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Home > Effect of Islamic Banking on Financial Deepening Among the Pakistani Muslim [Ms Islamic Banking and Finance]

Effect of Islamic Banking on Financial Deepening Among the Pakistani Muslim [Ms Islamic Banking and Finance]

Thesis Info

Author

Sadia Sanam, Hafiza

Department

UMT. Islamic Banking and Finanace

Program

MS

Institute

University of Management and Technology

Institute Type

Private

City

Lahore

Province

Punjab

Country

Pakistan

Thesis Completing Year

2018

Thesis Completion Status

Completed

Page

79 . CD

Subject

Islam

Language

English

Other

Eng; Call No: TP 297.273095491 SAD-E

Added

2021-02-17 19:49:13

Modified

2023-01-06 19:20:37

ARI ID

1676713908939

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98. Al-Bayyinah/The Clear Evidence

98. Al-Bayyinah/The Clear Evidence

I/We begin by the Blessed Name of Allah

The Immensely Merciful to all, The Infinitely Compassionate to everyone.

98:01
a. Those who disbelieve from among the Followers of the Former Scriptures and the idol- worshipers,
b. will not give up their disbelief until a Clear Evidence was presented to them,

98:02
a. through a Messenger from Allah, reciting purified scripts, and

98:03
a. containing clear instructions for them.

98:04
a. Yet those who were given the former Scriptures did not challenge and become divided into factions until after this kind of Clear Evidence came to them.

98:05
a. Even though all they were commanded to:
- submit to Allah alone in awe, reverence, and worship,
- sincerely devote religion exclusively to HIM, being Haneef, and
- establish the Salat/Prayers and
- pay out Zakat/annual charity
b. for that is/are the parameters of a Religion – Right and Straight.

98:06
a. Indeed, those who continue to disbelieve – even after Clear Evidence has come to them
- from Followers of the Former Scriptures and the idol-worshipers will be in the Fire of Hell - there to remain - never to leave, never to die.
b. Those - they will be the worst of created beings.

98:07
a. However, those who believe and practice righteousness,
b. those - they will be the best of created beings.

Surah 98 * Al-Bayyinah 749

98:08
a. Their reward is going to be with their Rabb - The Lord:
b. Gardens of Perpetual Bliss - through which rivers/streams flow - to live therein forever,
never to leave, never...

الوحدة العضوية في القصيدة العربية قديما وحديثا

The issue of harmony and unity in the Arabic criticism and poem is of prime concern, which gained the great importance in modern criticism; as various critiques are of the different opinions regarding its existence, significance, applications and concepts even; in both ancient Arabic criticism and modern poetry. The present study will investigate to find out its roots in the ancient Arabic criticism and poetry; and to prove its references in modern Arabic criticism and poetry while indicating how this issue is kept alive by contemporary poets.

Production and Characterization of Xylanase for Utilization in Baking Industry

Present research was conducted to synthesize xylanase enzyme by Aspergillus niger using local agricultural wastes/by products for its utilization in baking industry. Wheat bran, corn cobs and sugar cane bagasse were used as carbon source at different concentrations i.e. 2.5, 3.0 and 3.5% employing submerged fermentation. The factors like temperature, pH and incubation time affected the xylanase synthesis significantly at various levels of substrates. The outcomes of the fermentation process showed that culture conditions i.e. 30°C, pH 5.5, 72 hrs & 3% substrates concentration were optimum for xylanase production. Wheat bran showed maximum xylanase activity 78.03±2.73 IU/mL followed by corn cob, 60.03±1.83 IU/mL and sugar cane bagasse 44.03±1.98 IU/mL. Large scale production of xylanase was carried out using wheat bran as carbon source at preoptimized conditions. Purified enzyme showed the specific activity of 613.13 IU/mg protein as compared to crude enzyme 41.85 IU/mg protein. Characterization of xylanase indicated that pH 7.5 and 55°C were optimum for maximum activity. As the ultimate goal was to apply xylanase in food products i.e. bread, so it was subjected to efficacy studies using experimental poultry birds. It is deduced that values for body growth performance, serological and hematological parameters were within normal ranges showing the safety of enzyme. In order to assess the potential of xylanase in bread making; a comparative study was conducted in which enzyme was applied in various doses at two different stages i.e. tempering of wheat kernels before milling and mixing of dough. Xylanase addition modified the rheological attributes of dough, especially farinographic, mixographic and amylographic characteristics. Furthermore, xylanase decreased dryness and stiffness of the dough whereas, resulted in increased elasticity, extensibility and coherency. It is concluded from the rheological and allied characteristics that enzyme addition improved the dough handling properties. Bread volume was increased in response to xylanase addition during tempering up to 600 IU/kg and during mixing stage up to 800 IU/kg. Additionally, specific and relative volume increased whereas, density decreased in response to xylanase application. Moisture retention capacity of bread samples also improved as a result of enzyme treatments. Lastly, sensory evaluation was conducted to study the effect of xylanase treatments on the external and internal characteristics of the bread. Enzyme treatments resulted in marked improvement in these traits, though in most of the cases, T3 (600 IU/1kg) showed better performance. The statistical results indicated that addition of xylanase during tempering is more beneficial and cost effective in enhancing the hedonic response as compared to mixing. In the nutshell, wheat bran at 3% concentration can be used as a potential carbon source for the production of xylanase enzyme under pre-optimized conditions. Overall, improvement in dough handling characteristics and bread quality traits indicates that xylanase has potential to be used in the baking industry.