اسلامی معاشیات میں امداد باہمی کا تصور

Islamic finance is simply a different way to structure or to create products that are consistent with the Islamic faith. Shared risk and joint profit are also important elements of Islamic finance, and various cooperative frameworks are employed in housing and other sectors. When you look at global finance, [Islamic finance] is a very, very high growth. Islamic finance is a socially responsible financial system and uses Islamic law (sharia) to regulate various sectors, including banking, investments, and insurance. Under the system, Islamic investments are often referred to as halal investments, or sharia-compliant investments. However we will discuss in this Paper the concept of mutual cooperation in Islamic finance.

Material and Design Optimization of Micro-Sensors

Measurements of three fluidic parameters i.e. velocity / flow rate / wall shear stress, pressure and temperature are crucial in many industrial applications including aerospace, automobile, bio-medical and process control etc. The key requirement is to measure these parameters at very fine spatial resolutions, which ultimately depends upon the size of measuring device. Size minimization is possible only through Micro-Electro-Mechanical Systems (MEMS) or mirco-fabrication technology. Therefore, using a novel SOI CMOS fabrication process, this thesis develops a multi-sensing platform that measures these three fluidic parameters, simultaneously.The developed chip has dimensions of just 1.6 mm × 1.6 mm as compared with the minimum chip size of 3.8 mm × 3.8 mm reported previously, thus improving the flow spatial resolution by 82.2%. The developed multi-sensing chip includes a thermal flow sensor, a piezoresistive pressure sensor and a Resistive Temperature Detector (RTD) based temperature sensor. Before integrating these sensors in a single chip, their material and design optimization have been carried out. Ashby‟s materials selection methodology has been used to select the optimum materials for these sensors. Since no MEMS compatible materials database having micro-scale material properties was readily available, therefore first a MEMS materials database has been developed and integrated with a material selection software. The developed materials database along with the derived performance indices for these sensors has then been used to select the candidate materials. Additionally, performance of these candidate materials and the variety of promising designs has also been evaluated experimentally in a two step iterative process using SOI CMOS fabrication technology. In a first iteration, eight thermal flow sensors (i.e. having square / circular membranes and four membrane to heater length ratios), six piezoresistive pressure sensors (i.e. having square membranes, three piezoresistor materials and two piezoresistor layout designs) and twelve RTDs temperature sensors(i.e. having five different materials and six layouts) have been fabricated andexperimental characterized. The best sensor of each type in the first iteration has been further improved when integrated in the final optimized multi sensing chip. The results showed that a thermal flow sensor with a silicon oxide square membrane having a membrane to heater length ratio of 3.35 has the highest sensitivity to area ratio. Similarly, a piezoresistor pressure sensor with a square membrane having p-doped silicon piezoresistors planted at the center of each membrane edges gives maximum sensitivity. The RTDs made of p-doped silicon and having higher L/W ratio exhibited the highest sensitivity and linearity. The optimized thermal, pressure and RTD sensors are much more sensitive than the previously reported such type of sensors. .It is worth highlighting that in addition to being highly sensitive, optimized sensors reported in this research are also CMOS compatible, which make them attractive considering their low cost and ease of integration with other CMOS devices, sensors and circuits.