Economic activities of man encompass most of his time and energy. All his life, from dawn to dusk, man keeps striving for a suitable living. Economic activities are linked with banking system in present era. But, unfortunately, the banking system across the world, by and large, does not base on the Islamic economic rules. In this research thesis such prospects have been discussed to see what guidance does Islam provides for the matters concerning to economics. The following question have been taken into account: What is the importance of wealth in Islam? What are the chief centers of wealth today? Do the economic activities of these financial centers consider the religious decorum? If not then does Islam provide us substitution for them? Truly, Islam provides a long list of substitutions, but in this thesis, the study has been confined to Musharka, Mudraba, Murabaha and Ijara, only. This thesis consists of five chapters. The first chapter discusses the concept of wealth in Islam, conventional and Islamic banking while the second to the fifth chapters describe above mentioned Islamic modes of financing. Initially, in each first section of all the chapters, rationales of these modes of Islamic finance have been discussed, relatively; in the second sections of each chapter, their conditions and rules have been discussed, whereas, the third section of each chapter consists of discussion on the applications of these modes of Islamic finance such that what Islamic mode of finance can provide substitution for what instrument of conventional banking; moreover, in the present time Islamic banking has been given a review, its limitations and shortcomings are discussed to see how they can be removed and improved. It has been discussed that what are the fundamental resources and Islamic methodology of Islamic banks in the present time and how the best implementation can influence them effectively. This study may help to solve some of the problems in the field of Islamic economics with the grace and the benevolence of Allah Almighty.
ڈاکٹر عبدالجلیل فریدی افسوس ہے گذشتہ ماہ ڈاکٹر عبدالجلیل فریدی اکسٹھ برس کی عمر میں ہم سے جُدا ہوگئے۔ مرحوم ایک نہایت بلند مرتبہ اور ماہرِ فن ڈاکٹر کی حیثیت سے ریاست میں ہرجگہ معروف اور مشہور تھے ، لیکن عملی سیاسیات کے میدان میں گامزن ہوئے ابھی انھیں دس بارہ برس ہی ہوئے تھے،اس کے باوجود وہ اس شان اور کروفرکے ساتھ اپنی ریاست کے آسمان ِ سیاست پر نمودار ہوئے کہ پرانے چراغ جھلملا کے رہ گئے۔ ان کی سیاست اگر چہ اتر پردیش تک محدود رہی،لیکن ان کی غیر معمولی شخصیت کاوقار اوروزن پورے ملک کے مسلمانوں میں ہر جگہ محسوس کیا جاتا تھا۔اس کی وجہ یہ ہے کہ مرحوم جذبہ اورعمل دونوں کے انسان تھے، نہایت جری،بے باک اورصاف گوتھے۔ان کی سیاست شترگربگی یامنافقت کے عیب سے پاک وصاف تھی۔اورسب سے بڑھ کریہ کہ سیاست کوجلب منفعت کا ذریعہ بنانے کے بجائے انھوں نے چند در چند مالی نقصانات برداشت کیے اور اپنی کمائی کے لاکھوں روپئے اپنے کازپر بے دریغ خرچ کرڈالے۔اخلاق وعادات کے اعتبارسے بھی وہ بڑی خوبیوں کے مالک تھے ۔عقیدہ اورعمل میں پکے اورسچے مسلمان، ہمدرد ومتواضع، خوش اخلاق وخوش طبع تھے، اس بنا پر مخالفین بھی ان کاادب واحترام کرتے تھے۔ عارضۂ صدر میں مبتلاتھے، روس اور یورپ میں اعلیٰ سے اعلیٰ علاج کرایا مگرمرض نہ گیا۔ایک مرتبہ بڑی حسرت سے بولے : میں نے ڈاکٹر کی حیثیت میں تین لاکھ مریضوں کے ہاتھ دیکھے ہیں،لیکن آج خود اپنا ہاتھ دیکھتا ہوں توحسرت ہوتی ہے ۔آخر یہی مرض جان لیوا ثابت ہوا اوروہ خدا کو پیارے ہوگئے۔ا للّٰھمَّ اغفرلہ وارحمہ۔ [جون ۱۹۷۴ء]
TechnoHeart is a digital way of monitoring heart rate using a Heart Rate Monitor device and an android phone. Moreover, this is made more special through its work-out training which is designed to help users set and achieve their target heart rate and monitor at what training intensity they are during a strenuous exercise. The training is made more interactive as the application has its real-time audio coaching. The need for this application comes from three sources; First, some athletes, non-athletes and even doctors are still using the traditional way of getting the heart rate; Second, training intensity is not monitored and target heart rate is not achieved; Third, most mobile developments do not tailor the need of users who undergo work-out training. With the following needs, objectives were set; First, to connect an HRM (Heart Rate Monitoring) device to an android mobile device and display individual’s heart rate in digital form through mobile; Second, to create a work-out training program using the Karvonen Formula; Third, to enable users know one’s target heart rate by using a Karvonen calculator; Fourth, to notify users in real time with every sudden change and the needed action in order to keep an effective training exercise. The project is to explore this and other similar concepts to develop a design that optimally satisfies all of these objectives. The project addresses all of these objectives while meeting the constraints given. The project was deployed in three different sets of users: The University of Mindanao Athletes, The elderly users aging from 50-80 years old and the other users aging from 12-49 years old. The researchers recommend the use of TechnoHeart for athletes and non-athletes who are aiming for an effective cardiovascular training. And for the next researchers, they can focus on the compatibility of the said application to other mobile platforms like iOS, Blackberry, Windows and etc. And also, they may upload application in the internet such as in social networking sites or any features that would make this project more usable.
Polycyclic aromatic hydrocarbons (PAHs) are a large group of organic compounds mainly consisting of benzene rings which have become the common threat to our environment as the grievous pollutants. The only cost effective and eco-friendly way to remove these pollutants from the environment is their degradation via microbes. In the present study bacterial cultures were isolated for degradation of Naphthalene (Nap) and Phenanthrene (Phe) representing low molecular weight (LMW) PAHs, Fluoranthene (Fla) representing high molecular weight (HMW) PAH and Iranian light crude oil (ILCO) representing mixture of hydrocarbons. Forty-four bacterial strains (CMG2001-CMG2044) were isolated from water and mud samples enriched on Nap. Two bacterial consortia HP and LP and one bacterial strain (CMGCZ) of LP consortium were isolated from oil contaminated soil samples by enrichment on Fla. Bacterial strains CMG2001-CMG2044 were screened for growth on Nap, Phe and Fla by 96 well microtiter plate assay. Among them eighteen bacterial strains exhibited growth on one or more tested PAHs while two of them (CMG2028 and CMG2042) were selected for further studies on PAHs degradation. CMG2028 and CMG2042 were identified by 16S rRNA gene sequencing as Kocuria flavus and K. rosea, respectively. In minimal medium 36% and 53% Nap (500mg l -1 ) was degraded in ten days of incubation by K. rosea CMG2042 and K. flavus CMG2028, respectively. Addition of yeast extract (YE) in medium as an additional carbon source resulted in enhanced degradation (59%) of Nap in K. rosea CMG2042 and reduced degradation (45%) in K. flavus CMG2028 within ten days. Although both the strains exhibited growth on Phe (10mg l -1 ) and Fla (10mg l -1 ) in YE added and omitted medium but only Phe (9%) was degraded by K. rosea CMG2042 as a sole carbon source. K. flavus CMG2028 and K. rosea CMG2042 exhibited growth on YE added and omitted minimal agar plates coated with ILCO and their colonies accumulated oil but did not grow in liquid medium with 0.5% ILCO. Bacterial strain CMGCZ, isolated from LP consortium, was identified as Rhodococcus erythropolis by 16S rRNA gene sequencing. R. erythropolis CMGCZ formed clear zones on Fla sprayed minimal and LB agar plates. In minimal medium degradation of Nap (500mg l -1 ), Phe (100mg l -1 ) and Fla (100mg l -1 ) by R. erythropolis CMGCZ in one week of incubation was 13.2%, 13.1% and 99.3%, respectively however YE addition in medium resulted in complete inhibition of Nap degradation, slightly enhanced degradation of Phe (14.8%) and a more rapid degradation of Fla (100%). R. erythropolis CMGCZ was capable of growing on xxii R. Z. A. Khan-PhD Thesis OPTIMIZATION OF BIODEGRADATION OF PAHs BY BACTERIA ABSTRACT 1% ILCO in liquid medium and degraded 13.2% and 11% aiphatic fraction of ILCO in YE added and omitted medium, respectively. LP and HP consortia enriched in minimal medium (HPMO/LPMO) and in YE added medium (HPMM/LPMM) were tested for degradation of Fla (100mg l -1 ). LPMM and HPMM consortia degraded 100% and 25.5% Fla, respectively in YE added medium in twenty days. In minimal medium 51.5% Fla was degraded by LPMO consortium but HPMO consortium failed to degrade Fla. Further subculturings of both the consortia in YE added medium resulted in improved Fla degradation by LPMM consortium but Fla degradation by HPMM consortium ceased. LPMM consortium degraded 98.6% and 95.7% Fla in YE added and omitted medium, respectively within a week of incubation. When LPMO consortium was incubated longer (35 days) in minimal medium without further transfer it degraded 97.6% Fla in a week which proved that longer incubation compensated deficiency of additional carbon source. Comparison of aromatic ring dioxygenase expressing bacteria (ARDB) of both the consortia revealed that increase in ARDB was observed only in LPMM and longer (35 days) incubated LPMO consortium. LPMM consortium was proved to be completely bacterial by adding microeukaryotic and different prokaryotic inhibitors in the growth medium. The optimized temperature and pH of the medium for LPMM consortium were found to be 30Ċ and 7.0, respectively. Degradation optimization for Fla concentrations ranging from 100mg l -1 to 1000mg l -1 with the difference of 150mg l -1 Fla resulted in 98.8%, 94.6%, 85.6%, 77.5% and 44.6% Fla degradation by LPMM consortium, respectively. Fla degradation optimization by R. erythropolis CMGCZ for same concentrations of Fla resulted in 100%, 100%, 57.2%, 19.1% and 12.6% degradation of Fla, respectively. PCR amplification of Rieske [Fe 2 -S 2 ] center of PAH dioxygenase genes resulted in 100bp PCR product in HPMM and LPMM consortia, R. erythropolis CMGCZ and only one type of blue colony (CMGBL) in ARDB population of LPMM consortium. Amplified PCR product of R. erythropolis CMGCZ exhibited homologies at nucleotide and deduced amino acid level mainly with Rieske [Fe 2 -S 2 ] domain protein of Mycobacterium species and pahAC gene of uncultured bacterium clones, known for degradation of PAHs. Bacterial strains and LP consortium isolated in the present study are efficient degraders of different PAHs and promising candidates for use in bioremediation operations at hydrocarbons contaminated sites.