Background and Aims: HIV is spreading rapidly among people word wide. Infection with this virus leads to immune suppression and finally acquired immune deficiency syndrome (AIDS).Early HIV detection is depended on antibody screening against virus by Enzyme Linked Immunosorbent Assay (ELISA).Some confirmatory tests such as Western Blot and Recombinant Immunobloting Assay (RIBA), are used to ve...

Development of information technology in the last few years, have brought about a lot of changes in almost all facets of life. In the banking industry, it has been in the form of banking services offered through an electronic channel. Electronic banking is the wave of the future, it has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings ...

Penelitian ini bertujuan untuk menganalisa praktik qardh paylater , tepatnya pada aplikasi Shopee mengetahui aspek pengharaman menurut pandangan ulama-ulama. Metode yang dipakai ialah dengan menggunakan metode deskriptif kualitatif mejelaskan data aktual sesuai kondisi di lapangan, buku dari Wahbah az-Zuhaili dan sumber jurnal lainnya. Teknik analisa analisis induktif menghasilkan bahwa Paylate...

With the time, the way banks used to operate has changed due to advent of internet in banking institutions. The implementation of internet in banking organizations has modernized the banks. Implementing the internet banking approach has benefited the both i.e. consumers as well as banks. Considering the benefits, the banks all over the globe have implemented the internet banking and banking org...

Islam melarang riba dalam segala bentuknya. Larangan ini berkaitan erat dengan manfaat yang ingin dicapai dan mafsadat harus dihindari. Tujuan pelarangan adalah untuk menjaga kesejahteraan manusia, baik secara individu maupun kolektif, masalah ekonomi, moral, sosial sebagainya. Sedangkan dihindari karena ada unsur kezaliman terhadap satu pihak beberapa sekaligus. akan menghilangkan menghancurka...

This study investigates mobile banking systems adoption in two countries; Korea and Finland, and proposes a mobile banking resistance model. Both Korea and Finland are currently using the most advanced wireless infrastructure and mobile banking systems. However, numerous inhibitors of mobile banking systems have delayed the widespread use of mobile banking systems. This study reports the signif...

Technology plays an important role in banking sector. Banking is one of the largest financial institutions constantly explores the opportunity of technology enabled services to provide better customer experience and convenience. Mobile phone is a common technology device that became part of every individual in the information era. Mobile Banking is an emerging alternate channel for providing ba...

The aim of this paper is to evaluate the nature and changes of market concentration in the Malaysia’s Islamic banking due to the restructuring of Islamic banking industry within the liberalization wave in the banking market. A total of 17 Islamic banks operating over the period of 2000-2010 had been considered. The structural approach framework was used to evaluate the nature and changes of mar...