Card Concept Research Articles

Awareness towards Selection of Islamic Credit Card Among Malaysian Consumers

This study aimed to explore the level of awareness and understanding of Malaysian bank consumers on Islamic credit cards. The majority of bank consumers still lack awareness and knowledge in understanding about Islamic contracts in the bank. Still, only a few consumers are aware and choose Islamic credit cards facilities to avoid the prohibited element and get more benefits from Islamic credit cards. This study has used the quantitative method research. This study uses questionnaires to achieve the objectives of the research. A questionnaire has been designed and data was collected from 100 respondents of bank consumers in Malaysia. According to the findings, religious beliefs and attitudes were the most influential factors among Malaysian bank consumers' decisions to use Islamic credit cards. All of the hypotheses have been accepted. The limitation of this study was that only the employed respondents could answer this survey for the scope of this research. Furthermore, consumers who use Islamic credit cards are still the lowest compared to Conventional credit cards, thus the difficulty in collecting the data. The outcomes of this study will be used as a framework for future research in Islamic card usage and design. The Islamic credit card concept may also be applied to other Islamic products and services. These findings contribute to the level of knowledge of bank consumers in deciding to use Islamic credit cards.

Engaging young people in the design of a sexual reproductive health intervention: Lessons learnt from the Yathu Yathu (\u201cFor us, by us\u201d) formative study in Zambia

BackgroundMeeting the sexual and reproductive health (SRH) needs of adolescents and young people (AYP) requires their meaningful engagement in intervention design. We describe an iterative process of engaging AYP to finalise the design of a community-based, peer-led and incentivised SRH intervention for AYP aged 15–24 in Lusaka and the lessons learnt.MethodsBetween November 2018 and March 2019, 18 focus group discussions, eight in-depth interviews and six observations were conducted to assess AYP’s knowledge of HIV/SRH services, factors influencing AYP’s sexual behaviour and elicit views on core elements of a proposed intervention, including: community-based spaces (hubs) for service delivery, type of service providers and incentivising service use through prevention points cards (PPC; “loyalty” cards to gain points for accessing services and redeem these for rewards). A total of 230 AYP (15 participated twice in different research activities) and 21 adults (only participated in the community mapping discussions) participated in the research. Participants were purposively selected based on age, sex, where they lived and their roles in the study communities. Data were analysed thematically.ResultsAlcohol and drug abuse, peer pressure, poverty, unemployment and limited recreation facilities influenced AYP’s sexual behaviours. Adolescent boys and young men lacked knowledge of contraceptive services and all AYP of pre and post exposure prophylaxis for HIV prevention. AYP stated a preference for accessing services at “hubs” located in the community rather than the health facility. AYP considered the age, sex and training of the providers when choosing whom they were comfortable accessing services from. PPCs were acceptable among AYP despite the loyalty card concept being new to them. AYP suggested financial and school support, electronic devices, clothing and food supplies as rewards.ConclusionsEngaging AYP in the design of an SRH intervention was feasible, informative and considered responsive to their needs. Although AYP’s suggestions were diverse, the iterative process of AYP engagement facilitated the design of an intervention that is informed by AYP and implementable.Trial registrationThis formative study informed the design of this trial: ClinicalTrials.gov, NCT04060420. Registered 19 August, 2019.

PENGEMBANGAN INDIKATOR PENILAIAN KINERJA PENERAPAN FAKTOR LINGKUNGAN SUPPLY CHAIN UMKM

This research is conducted with the aim of developing SMES performance assessment indicators by implementing the supply chain environmental factors so that it can be used to assess the performance of SMES not only financial based but to non Financial. Data is collected by sending queitioner and interviews to MSME managers, employees and consumers are obtained sixty SMES. The research variables are developed from the Balance Score Card concept and supply chain management. Data analysis techniques are done with qualitative descriptive. And then the analysis of factors to determine the indicator in the determination of SMES performance. The results showed that there are four factors that can be used to determine the SME performance indicators: resource factors, financial factors, customer factors and the SCM (Supply Chain Management) factor.

Adopt Balanced Scorecard (BSC) Using Hexagonal Diffraction to Enhance Quality of Educational Service

Several researchers dealt with the balanced performance card, notably Kaplan and Norton, as they tried to use this card to measure the strategic performance of economic units across its four dimensions. This card is one of the most important approaches to measuring and evaluating the performance of economic units. The different units of their activities identify strengths and reinforce them, and deficiencies and treatment, and hence emerged the importance of adoption of the card in the economic units in general and educational in particular, to measure and evaluate performance by adopting the card in the field of education In addition, there are additional benefits to the previous benefits, which may include the continuous development of the curricula, tools and methods used by the faculties at the university to achieve its objectives in raising the level of education at this stage and measuring its impact on the quality level using the hexagonal diffraction and developing its objectives to meet the evolving needs of society, By improving quality by reducing defects and obstacles.
 The aim of the research is to clarify the concept of the four-dimensional performance card concept and the concept of educational quality, in addition to the concept of hexagonal diffraction, and the relationship between the balanced performance card on educational quality and measuring its effect using hexagonal diffraction.

SYARIAH CARD PESRPEKTIF AL-MAQASID SYARIAH

Islamic Banking in this era is booming. Also its product, such as product Syariah Card (Islamic Credit Card). This paper examines a system and concept Syariah Card with al-Maqhasid Syariah Perspective. We found a Syariah card concept is acceptable with Fiqh concept, but there are many qualifyings. One of The qualifying is must consumer priority, meaning is consumer not be improvident.Key Word : Syariah Card, al-Maqhasid Syariah

Performance measurement system using balanced score card and tracking tool - a case study in a pharmaceutical company

Every organisation needs to measure where they are before they can make further improvement. In supply chain management, where suppliers and customers involved, it is important to have a comprehensive and aligned performance measurement system. The study is based on a multinational pharmaceutical company in Indonesia. It aims to refine the performance measurement system (PMS) for its export department. The export activities involve multiple logistic service providers as their suppliers and several inter-market customers. The PMS is done based on balanced score card (BSC) concept. The study gives practical approach on implementation of PMS in middle and part of organisation, aligning its internal needs and external environment, without losing BSC integrity. A tracking tool is also developed to assist in measuring and monitoring the KPIs.

Performance measurement system using balanced score card and tracking tool - a case study in a pharmaceutical company

Every organisation needs to measure where they are before they can make further improvement. In supply chain management, where suppliers and customers involved, it is important to have a comprehensive and aligned performance measurement system. The study is based on a multinational pharmaceutical company in Indonesia. It aims to refine the performance measurement system (PMS) for its export department. The export activities involve multiple logistic service providers as their suppliers and several inter-market customers. The PMS is done based on balanced score card (BSC) concept. The study gives practical approach on implementation of PMS in middle and part of organisation, aligning its internal needs and external environment, without losing BSC integrity. A tracking tool is also developed to assist in measuring and monitoring the KPIs.

IMPACT OF STRATEGIC HUMAN RESOURCE MANAGEMENT PRACTICES ON ORGANIZATIONAL PERFORMANCE (A CASE STUDY OF SAFARICOM)

Purpose: The purpose of the study is to investigate the impact of strategic human resource practices on performance of Safaricom Ltd Methodology: The study adopted a cases study research design. Stratified random sampling technique was applied to select the managers from various departments in order to best inform the study results. A questionnaire was the preferred data collection instrument due to its convenience and confidential nature. The data was analyzed using descriptive statistics. Specifically, means, mode and median were the preferred descriptive statistics. The findings were presented in bar charts and graphs.Results: Findings indicated that that the human resource factors, personal factors and firm level factors contributed to the vertical and horizontal firm between strategic human resource management and competitive strategy. Consequently, it was concluded that Strategic Human management impacted on the superior performance of Safaricom Ltd.Unique contribution to theory, practice and policy: Since the study established the presence of horizontal fit among human resource function factors, the researcher recommended that Safaricom should continue to align its human recruitment policy with its motivation policy, compensation policy and training policy. For instance, Safaricom should continue recruiting highly qualified individuals, compensate the individuals highly, motivate the individuals highly and train them effectively. In addition, the Safaricom management should allow the HR function to operate flexibly such that the department is able to exercise all the available options relevant to carrying out human resource activities. Furthermore, the investment budget towards Safaricom HR function should be increased so as to enhance the strategic fit and the consequent superior organization performance. The study further recommended a causal study on the statistical relationship between investment in HR function and the performance of Safaricom using the balanced score card concept advocated by Kaplan and Norton

Perpetrators and Social Death: A Cautionary Tale

AbstractUnderstanding evil requires both addressing the grave wrongs done to the victim and addressing the perpetrator who does these wrongs. Claudia Card's concept of social vitality was developed to explain what génocidaires destroy in their victims. This essay brings that concept into conversation with perpetrator testimony, arguing that the génocidaires’ desire for their own social vitality, achieved through their destruction of the social world of their targets, in fact boomerangs to corrode the vitality of their own lives. This is true whether they succeed or fail in their genocidal project. Card's recent analysis of “being a badass” is brought to bear on the cultivation of evil, and the essay suggests four strategies for meeting Card's “moral challenge of avoiding evil responses to evil.”

Claudia Card's Concept of Social Death: A New Way of Looking at Genocide

AbstractScholarship in the multidisciplinary field of genocide studies often emphasizes body counts and the number of biological deaths as a way of measuring and comparing the severity and scope of individual genocides. The prevalence of this way of framing genocide is problematic insofar it risks marginalizing the voices and experiences of victims who may not succumb to biological death but nevertheless suffer the loss of family members and other loved ones, and suffer the destruction of relationships, as well as the foundational institutions that give rise to and sustain those relationships. The concept of social death, which Claudia Card offers as the central evil of genocide, marks a radical shift in conceptualizing genocide and provides space for recovering the marginalized voices of many who suffer the evils of genocide but do not suffer biological death. Here her concept of social death is explored, defended, and criticized.

Tres maneras de llevar el carnet de la biblioteca en el móvil

Three solutions, along with their advantages and disadvantages, are shown to bring the library card to the smartphone: barcode reproduction, Passbook type applications, and NFC technology. Some are simple to implement and others more complex, but all are technically feasible and can be implemented immediately. The smart card concept, which provides a new avenue of communication between the library and the user, is also introduced. Finally, uses of iBeacons are explored.

Potential Jurisprudential Adaptation for the Tripartite Credit Card Transaction from an Islamic Perspective

The credit card represents one of the most important financial instruments at present. The credit card concept originated and was developed in the West under the rules of conventional law. Over time the credit card has invaded the Islamic markets. A credit card transaction does not fall under any of the known financial contract categories in Islamic principles. Therefore, determining the Islamic rulings and finding a jurisprudential adaptation for such credit card transactions is essential for clarifying relevant jurisprudential rulings, as one cannot specify whether a specific transaction is permitted or prohibited without a jurisprudential adaptation on the matter. Islamic researchers have taken great effort to clarify the jurisprudential adaptation of a credit card transaction. This article will examine the potential legitimate nature of the credit card transaction in order to determine Islamic rulings. The concept ‘credit card’ originated in the West and developed under the rules of conventional law. Although credit cards have since invaded the Islamic markets, their transactions do not fall under any of the known categories for Islamic financial contracts; therefore, one must determine the Islamic rulings that relate to such transactions. Islamic scholars have exerted much effort to find a jurisprudential adaptation for the credit card transaction, which is essential in order to clarify jurisprudential rulings on transactions and to specify whether a transaction is permitted or prohibited. This article examines the potential legitimate nature of the credit card transaction in order to determine the Islamic rulings.

Training of public health personnel in handling CBRN emergencies: A table-top exercise card concept

There is a large concern in the society today about the threat posed from releases of chemical, biological, radiological or nuclear (CBRN) materials, whether accidental or malicious. A rapid and adapted response to a CBRN incident combined with a thorough public communication is believed to decrease the detrimental impacts on health and to reduce the psychosocial effects. To facilitate CBRN exercises, which often can be regarded by non-specialists as rather complicated, a tool in the form of a set of Exercise cards for CBRN emergency response table-top exercises has been developed. The exercise tool is a generic tool intended for an exercise director and consists of a set of adaptable scenarios with supporting instructions and questions that deal with preparedness, acute response and mitigation efforts. The exercise tool was tested in three different settings with positive results and has been assessed to be a cost-efficient means to train and test public health response to CBRN incidents.

A municipal forest report card: Results for California, USA

This study integrates two existing computer programs, the Pest Vulnerability Matrix and i-Tree Streets, into a decision-support tool for assessing municipal forest stability and recommending strategies to mitigate risk of loss. A report card concept was developed to communicate levels of performance in terms that managers and the public easily understand. Grades were assigned to four aspects of a stable and resilient municipal forest: Species Dominance, Age Structure, Pest Threat and Potential Asset Loss. The data pool of 29 California municipal forest inventories contained information on 836,943 trees. Letter grades (A–F) were assigned to the four criteria and each city received customized recommendations for improving its grades. Three inventories received final grades of As, 18 received Bs, 6 Cs and 2 Ds. Twelve inventories received their highest grade for Species Dominance. Thirteen inventories received their lowest grade for Age Structure, largely because juvenile trees were underrepresented. Pest Threat received the lowest grade in 11 inventories and reduce Pest Threat was the top priority recommendation in 18 inventories. Four multi-host pests posed the greatest risk: Granulate ambrosia beetle, Asian longhorned beetle, Armillaria root rot and red palm weevil. Sycamore/plane was the most vulnerable taxon, followed by oaks, ash and eucalyptus. Eliminating or limiting the use of highly vulnerable tree species was recommended in nearly every city to reduce Pest Threat and improve Species Dominance. Increased planting of vacant sites with species not vulnerable to the most abundant and severe pests was a frequent recommendation for improving Age Structure. Another common recommendation to improve Age Structure was planned removal and replacement of overabundant mature and senescent taxa such as pear, eucalyptus, jacaranda and carrotwood.

Critical people considerations when designing e-health solutions: the importance of barrier-free e-kiosk systems

The e-health sector in Germany is currently focused on the e-health card concept. This e-health card will totally change the current system, since it will allow several new functions. Because enrollees have concerns about their data, the health insurance companies have to ensure that enrollees have the possibility to check and manage their data. Therefore, electronic kiosk systems (e-kiosks) are being developed and must be useable by all citizens. Hence, this paper serves to identify possibilities pertaining to how these terminals can be adapted to ensure that all people can use these e-kiosks effectively and efficiently.

The Telematics Infrastructure

Today all OECD (Organization for Economic Cooperation and Development) countries are faced with the challenge of escalating healthcare costs. Most are agreed that e-health appears to offer a solution and thus we are witnessing the design, development and implementation of various e-health solutions. This is also true in Germany where the current focus is on the new e-health card concept. It is anticipated that the introduction of this e-health card will totally change the current healthcare system within Germany, primarily because it offers several new functions. Some of these functions are mandatory, while other functions are optional. Such an initiative however, brings with it several advantages and disadvantages. A particularly sensitive aspect here concerns data protection and data security. To address this consideration, the development of a new telematics infrastructure is critical and in some respects the backbone for the e-health card. Thus, the following provides an assessment of the telematics infrastructure behind the German e-health card.

The Donation-Payment Card Concept: How to Give Twice with One Card

Currently, there are large amounts of unused funds associated with Prepaid Stored Value cards. These funds are being claimed by either the companies that issue the cards, or State Governments. This has given rise to many complicated legal issues whose outcome does not remove the basic fact that the consumer has no power of decision over the final destination of these funds. We propose a Donation-Payment card that automatically donates all unused funds to the consumer's preferred charity, which reinstates their choice and resonates with the innate altruistic human desire. The partnership with charities should increase significantly the number of people who use this Prepaid Stored Value card, ensuring its development as the fastest growing new payment instrument to arrive since the introduction of debit cards.

Structural Knowledge Assessment with the Team Performance Lab's Knowledge Analysis Test Suite (TPL-KATS)

Card sorting and concept mapping are two popular techniques used for assessing structural knowledge. However, manual administration of these tasks has been cumbersome in the past. This demonstration serves as an introduction to the TPL-KATS – Card Sort and Concept Map software tool developed at the Team Performance Lab at the University of Central Florida. TPL-KATS is presented as a possible solution to the problems of manual administration. The software contains computerized versions of both techniques, with automatic administration and scoring capabilities. This demonstration provides an introduction to the card sort and concept map tasks, and describes the basic need for this software tool. A full description of TPL-KATS – Card Sort and Concept Map software is presented, along with a demonstration of its advantages over current techniques.

Understanding and Auditing Procurement Card Systems

Procurement cards are a orm of what might be termed a “commercial credit card.” Procurement cards are held by specific authorized employees within an organization. The purpose of a procurement card system is to simplify the purchasing process and to reduce the cost ordinarily associated with the operation of this mechanism. This article briefly presents the procurement card concept and its dilemma or IT auditors, explains the importance of cardholder signoffs on cyclic bills (or statements) and cardholder use of procurement card transaction logs, and discusses some of the control problems that can be ound in an audit of a procurement Card system and suggests remedies or them. This article also of ers a detailed audit work program or examining such a system.

Affinity Credit Cards: Card Issuer Strategies and Affinity Group Aspirations

Examines the history and economics of the credit card before describing the origins of the affinity card concept both in the USA and the UK. Explores different strategies of some major UK affinity card issuers and the aspirations of the affinity groups with whom a mutually beneficial relationship is sought. Successful affinity cards occur where the expectations of the card issuer are met by the aspirations of the affinity group and examples are used to illustrate a good and bad “fit”. Considers the current pressures on affinity cards and offers some thoughts on the need for a mutual understanding of the aspirations of both issuer and affinity group.