scholarly journals Factors Affecting Adoption of Takaful (Islamic Insurance) in the Maldives

Author(s):  
Ahmed Shabiq ◽  
◽  
Zubair Hassan ◽  
2019 ◽  
Vol 2 (2) ◽  
pp. 234-251
Author(s):  
Siti Nurbaya ◽  
Azhar Alam

Profitability is one benchmark to show a company operational performance. Various factors influence the amount of profitability. This research aims to analyze the influence of the amount of premium income, total investment, claims expense and operational costs on the profitability gained during the period 2011-2017. This paper conducts multiple linear analysis, namely OLS (Ordinary Least Square) with secondary data in the form of time-series data. The results of the t-test indicate that the claims expense variable has a negative and significant effect. Meanwhile, the operational cost variable has a positive and significant impact. On the contrary, the premium variable and the amount of investment both have a positive but not significant effect. Moreover, the results of the F test show that the variables of premium, investment, claims expense and operating costs have a considerable impact on the profitability of Sinar Mas Islamic Insurance.


2021 ◽  
Vol 2 (1) ◽  
pp. 39-59
Author(s):  
Umi Purwaningsih ◽  
Putri Nurmala ◽  
Muhammad Riza Hafizi

This studi aims to analyze factors affecting people become member of sharia insurance in Palangka Raya, Central Borneo, Indonesia. This research approach uses a quantitative approach. The variables used in this study, product, price, promotion, lifestyle and economic conditions. The method used in data collection using purposive sampling method, by distributing online questionnaires. The number of samples in this study were 42 respondents. The analytical tool used to determine the public's interest in participating in Prudential sharia insurance in Palangka Raya City is to use SPSS 23. The results of this study indicate that there is a significant positive effect on promotion and lifestyle variables on interest in Prudential sharia insurance, this is evidenced by the F test, which shows a significance level of 0.000. This is because the magnitude of the significance level of the F test from the F count value of 16,215 with the F table value of 2.5, this indicates that the F count value is greater than the F table value (16, 215 > 2.5). In this study, the magnitude of the influence of the Adjusted R Square of the promotion and lifestyle variables is 0,650 or 65% which affecting become sharia insurance participant in Palangka Raya. Meanwhile, based on the results of the T test, it shows that the variables of product, price and economic conditions are not significant. This is because the Palangka Raya is not as big as the cities in the capital, so people who use the services of Sharia Insurance are still not priority for the people of Palangka Raya. This study contributes empirically to the describe sharia insurance in Palangka Raya. In addition, the existing sharia insurance in the Palangka Raya should be re-socialized so that people are more familiar and using sharia insurance services compared to using conventional insurance. Islamic insurance uses the concept of protecting each other. This concept is different from conventional insurance, where participants pay premiums to insurance companies.


Author(s):  
F. A. Heckman ◽  
E. Redman ◽  
J.E. Connolly

In our initial publication on this subject1) we reported results demonstrating that contrast is the most important factor in producing the high image quality required for reliable image analysis. We also listed the factors which enhance contrast in order of the experimentally determined magnitude of their effect. The two most powerful factors affecting image contrast attainable with sheet film are beam intensity and KV. At that time we had only qualitative evidence for the ranking of enhancing factors. Later we carried out the densitometric measurements which led to the results outlined below.Meaningful evaluations of the cause-effect relationships among the considerable number of variables in preparing EM negatives depend on doing things in a systematic way, varying only one parameter at a time. Unless otherwise noted, we adhered to the following procedure evolved during our comprehensive study:Philips EM-300; 30μ objective aperature; magnification 7000- 12000X, exposure time 1 second, anti-contamination device operating.


Author(s):  
Christine M. Dannels ◽  
Christopher Viney

Processing polymers from the liquid crystalline state offers several advantages compared to processing from conventional fluids. These include: better axial strength and stiffness in fibers, better planar orientation in films, lower viscosity during processing, low solidification shrinkage of injection moldings (thermotropic processing), and low thermal expansion coefficients. However, the compressive strength of the solid is disappointing. Previous efforts to improve this property have focussed on synthesizing stiffer molecules. The effect of microstructural scale has been overlooked, even though its relevance to the mechanical and physical properties of more traditional materials is well established. By analogy with the behavior of metals and ceramics, one would expect a fine microstructure (i..e. a high density of orientational defects) to be desirable.Also, because much microstructural detail in liquid crystalline polymers occurs on a scale close to the wavelength of light, light is scattered on passing through these materials.


1990 ◽  
Vol 54 (11) ◽  
pp. 638-643 ◽  
Author(s):  
PC Damiano ◽  
ER Brown ◽  
JD Johnson ◽  
JP Scheetz

1976 ◽  
Vol 7 (4) ◽  
pp. 207-219 ◽  
Author(s):  
Constance P. DesRoches

A statistical review provides analysis of four years of speech therapy services of a suburban school system which can be used for comparison with other school system programs. Included are data on the percentages of the school population enrolled in therapy, the categories of disabilities and the number of children in each category, the sex and grade-level distribution of those in therapy, and shifts in case-load selection. Factors affecting changes in case-load profiles are identified and discussed.


2019 ◽  
Vol 62 (5) ◽  
pp. 1243-1257 ◽  
Author(s):  
Peggy Pik Ki Mok ◽  
Holly Sze Ho Fung ◽  
Vivian Guo Li

Purpose Previous studies showed early production precedes late perception in Cantonese tone acquisition, contrary to the general principle that perception precedes production in child language. How tone production and perception are linked in 1st language acquisition remains largely unknown. Our study revisited the acquisition of tone in Cantonese-speaking children, exploring the possible link between production and perception in 1st language acquisition. Method One hundred eleven Cantonese-speaking children aged between 2;0 and 6;0 (years;months) and 10 adolescent reference speakers participated in tone production and perception experiments. Production materials with 30 monosyllabic words were transcribed in filtered and unfiltered conditions by 2 native judges. Perception accuracy was based on a 2-alternative forced-choice task with pictures covering all possible tone pair contrasts. Results Children's accuracy of production and perception of all the 6 Cantonese tones was still not adultlike by age 6;0. Both production and perception accuracies matured with age. A weak positive link was found between the 2 accuracies. Mother's native language contributed to children's production accuracy. Conclusions Our findings show that production and perception abilities are associated in tone acquisition. Further study is needed to explore factors affecting production accuracy in children. Supplemental Material https://doi.org/10.23641/asha.7960826


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