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Journal articles on the topic 'Interest-free cooperatives'

Author: Grafiati

Published: 5 June 2025

Last updated: 20 July 2025

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1

Cook, M. L., and C. Iliopoulos. "Generic solutions to coordination and organizational costs: informing cooperative longevity." Journal on Chain and Network Science 16, no. 1 (2016): 19–27. http://dx.doi.org/10.3920/jcns2016.x001.

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For years, scholars and policy makers have ar gued that cooperatives, particularly agricultural cooperatives, exhibit organizational inefficiencies primarily caused by individual member behavior that is often independent and non-cooperative conflicting with the formation of effective coalition building. This free riding tendency creates significant challenges for a continued joint collaboration between and among member patrons. Yet, agricultural cooperatives have a long history of surviving as successful business enterprises. This paper presents a framework that proposes generic solutions effe

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Wailare, Nasiru Bello. "Interest Free Salary-Workers Savings and Credit Co-Operative Society as A Panacea to Economic Hardship Faced By Workers in A Depressed Economy." International Journal of Business Administration and Management Research 3, no. 4 (2017): 15. http://dx.doi.org/10.24178/ijbamr.2017.3.4.15.

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The conventional cooperative societies dated back to 1844 were built on interest-based operations, where interest is charged and paid on any financial advance to members and deposits made by members, respectively. Interest based transactions are not only forbidden by the two major religions in Nigeria, but are perceived to be negating the principle of mutual help and economic stability; which cooperatives are out to achieve. This paper examines the operations of interest free cooperative societies formed by salary-workers; with the aim of exploring the concept, objectives, activities, manageme

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Citrasari, Andi Tenri. "Sharia Cooperatives as an Inclusive and Ethical Financial Alternative for Economic Development." PINISI Discretion Review 8, no. 1 (2024): 201. https://doi.org/10.26858/pdr.v8i1.71141.

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Sharia cooperatives are economic institutions based on Islamic law that prioritize justice, mutual benefit, and balance in all their activities. These cooperatives operate under the fundamental principles of fairness and transparency, ensuring that financial transactions comply with Islamic ethical standards. The main principles of the sharia cooperative system include the non-riba (interest-free) principle, avoiding speculation (gharar), and ensuring that every transaction is conducted by sharia provisions. This system fosters ethical economic activities that emphasize real asset-based transa

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4

Arsana, I. Nengah, and I. Wayan Nuada. "ANALISIS KINERJA KEUANGAN KSP. DHARMA SARI BUMI PAGUTAN DITINJAU DARI RASIO LAPORAN ARUS KAS." MEDIA BINA ILMIAH 13, no. 10 (2019): 1715. http://dx.doi.org/10.33758/mbi.v13i10.253.

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This study is entitled "Financial Performance Analysis of KSP. Dharma Sari Bumi Pagutan Viewed From the Ratio of Cash Flow Reports". The type of research used in this study is descriptive research. Data collection techniques carried out in this study were observation, interviews and documentation. The results of this study in general in terms of the ratio of cooperative cash flow statement shows good financial performance, where the ability of cooperatives to meet short-term liabilities is in the range of 10% <X <15%, cooperative ability to pay commitments (interest, tax, SHU divided) ve

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Adele, Hasimiyu Ademola, Muibat Oluwakemi Oriola, and Opeyemi Temilade Adewale. "Interest-Free Cooperative Societies as a Survival Mechanism for MSMEs." Journal of Research and Review in Accounting, Business & Finance Management 1, no. 2 (2024): 36–44. https://doi.org/10.5281/zenodo.13437623.

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<em>That MSMEs are engines of economic growth and development across contexts has been acknowledged in literature. The incredible effort it will take for them to live longer than five years is also acknowledged. Thus, this paper examined membership of interest-free cooperatives as a means to circumvent administrative bottlenecks, access informal trade education and lessen transaction risks with a view to ensure business survival. In order to sample the twenty (20) registered interest-free cooperative societies for the study, a census-based survey of these societies was conducted. A total numbe

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Adele, Hasimiyu Ademola, Muibat Oluwakemi Oriola, and Opeyemi Temilade Adewale. "Interest-Free Cooperative Societies as a Survival Mechanism for MSMEs." Journal of Research and Review in Accounting, Business & Finance Management 1, no. 2 (2024): 36–44. https://doi.org/10.5281/zenodo.13437623.

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<em>That MSMEs are engines of economic growth and development across contexts has been acknowledged in literature. The incredible effort it will take for them to live longer than five years is also acknowledged. Thus, this paper examined membership of interest-free cooperatives as a means to circumvent administrative bottlenecks, access informal trade education and lessen transaction risks with a view to ensure business survival. In order to sample the twenty (20) registered interest-free cooperative societies for the study, a census-based survey of these societies was conducted. A total numbe

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7

Adele, Hasimiyu Ademola, Muibat Oluwakemi Oriola, and Opeyemi Temilade Adewale. "Interest-Free Cooperative Societies as a Survival Mechanism for MSMEs." Journal of Research and Review in Accounting, Business & Finance Management 1, no. 2 (2024): 36–44. https://doi.org/10.5281/zenodo.13437623.

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<em>That MSMEs are engines of economic growth and development across contexts has been acknowledged in literature. The incredible effort it will take for them to live longer than five years is also acknowledged. Thus, this paper examined membership of interest-free cooperatives as a means to circumvent administrative bottlenecks, access informal trade education and lessen transaction risks with a view to ensure business survival. In order to sample the twenty (20) registered interest-free cooperative societies for the study, a census-based survey of these societies was conducted. A total numbe

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8

Adele, Hasimiyu Ademola, Muibat Oluwakemi Oriola, and Opeyemi Temilade Adewale. "Interest-Free Cooperative Societies as a Survival Mechanism for MSMEs." Journal of Research and Review in Accounting, Business & Finance Management 1, no. 2 (2024): 36–44. https://doi.org/10.5281/zenodo.13437623.

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<em>That MSMEs are engines of economic growth and development across contexts has been acknowledged in literature. The incredible effort it will take for them to live longer than five years is also acknowledged. Thus, this paper examined membership of interest-free cooperatives as a means to circumvent administrative bottlenecks, access informal trade education and lessen transaction risks with a view to ensure business survival. In order to sample the twenty (20) registered interest-free cooperative societies for the study, a census-based survey of these societies was conducted. A total numbe

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9

Adele, Hasimiyu Ademola, Muibat Oluwakemi Oriola, and Opeyemi Temilade Adewale. "Interest-Free Cooperative Societies as a Survival Mechanism for MSMEs." Journal of Research and Review in Accounting, Business & Finance Management 1, no. 2 (2024): 36–44. https://doi.org/10.5281/zenodo.13437623.

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<em>That MSMEs are engines of economic growth and development across contexts has been acknowledged in literature. The incredible effort it will take for them to live longer than five years is also acknowledged. Thus, this paper examined membership of interest-free cooperatives as a means to circumvent administrative bottlenecks, access informal trade education and lessen transaction risks with a view to ensure business survival. In order to sample the twenty (20) registered interest-free cooperative societies for the study, a census-based survey of these societies was conducted. A total numbe

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10

Elfaki, Hamida, and Nor Azizan Che Embi. "ISLAMIC COOPERATIVES: OPERATIONS AND EVIDENCE FROM ORGANIZATION OF ISLAMIC COOPERATION (OIC) COUNTRIES." International Journal of Islamic Business 8, no. 1 (2023): 1–14. http://dx.doi.org/10.32890/ijib2023.8.1.1.

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The Islamic finance industry has only been dominated with Islamic banking, Takaful, Islamic capital, and the money market, although, the Islamic cooperative (I-Coop), which is a non-financial institution in most cases is yet to be fully adopted in the contemporary Muslim societies. The Islamic cooperative can be a development reform tool or a social and economic growth method, it can be used to offer interest-free loans and to cover specific demands in rural and urban settings. The main purpose of this study is to investigate Islamic cooperative operations in some OIC countries. This study ado

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Lewa, Lukas Nusa Wedo, and Gabriel Tanusi. "PENGUKURAN KINERJA KEUANGAN BERDASARKAN LAPORAN ARUS KAS PADA KOPERASI PEGAWAI REPUBLIK INDONESIA KABUPATEN ENDE TAHUN 2017 - 2019." ANALISIS 11, no. 2 (2021): 226–38. http://dx.doi.org/10.37478/als.v11i2.1261.

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The purpose of this study is to examine and analyze the financial performance of cooperatives in the Ende regency of Indonesia from 2017 to 2019. This study is descriptive in nature. Documentation and interviews were utilized to obtain data. Cash flow ratio analysis was used in the data analysis, which included the following cash flow ratios: operating cash flow ratio, fund flow coverage ratio, cash to interest coverage ratio, cash coverage ratio to current liabilities, capital expenditure ratio, total debt ratio, cash flow coverage ratio, and free net cash flow ratio. The findings of this stu

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Hakim, Abdul, and Setya Pramono. "Positive Impact and Benefits of Syariah Cooperatives in Boarding School Students." International Journal of Advanced Technology and Social Sciences 3, no. 2 (2025): 233–44. https://doi.org/10.59890/ijatss.v3i2.312.

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Sharia cooperatives in Islamic boarding schools are a form of economic business based on Islamic sharia principles which aims to economically empower Islamic boarding schools and the surrounding community. It is hoped that this cooperative concept can create financial independence for Islamic boarding schools and provide fair and transparent economic benefits for their members. Sharia cooperatives in Islamic boarding schools adopt sharia principles in every transaction, such as avoiding usury, gharar (obscurity), and maysir (speculation), as well as using a profit sharing system (mudharabah) a

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Setiaji, Eko. "Empowering Woman Through the Sharia Savings and Loan Program in an Effort to Survive During the Covid-19 Pandemic." Sunan Ampel Review of Political and Social Sciences 1, no. 2 (2022): 167–78. http://dx.doi.org/10.15642/sarpass.2022.1.2.167-178.

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The Covid-19 pandemic has encourage more women not to return to work during the pandemic. This adversely affects not only women's welfare but also economic progress and women's independence. The Sharia Borrowing Program from the Sharia Cooperatives assisted by Rumah Zakat is one of the efforts to provide capital to women who have micro businesses in order to be able to maintain their business activities during the Covid-19 pandemic. This study aims to determine the impact of empowering women by Rumah Zakat through the sharia savings and loan program during the Covid-19 pandemic. This research

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Harmoyo, Dwi, and M. Arif Kurniawan. "SUPERVISION OF SHARIA COOPERATIVES BASED ON FINANCIAL STATEMENTS." NUsantara Islamic Economic Journal 1, no. 1 (2022): 97–117. http://dx.doi.org/10.34001/nuiej.v1i1.64.

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This research discusses the supervision of sharia cooperative with financial statement basic, the document study of BMT Tumang Financial Statement from 2015 to 2019 Year. The research is sequential exploratory research, it's mean to mix between quantitative research and qualitative research, quantitative method to use financial statement analyze approach next to explained in qualitative descriptive approach. The purposes of the research to assess and describe into criteria (disobedient, less obedient, quite obedient, obedient) of cooperative compliance, financial compliance, and sharia complia

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Putri, Annie Mustika, and Rio Andisfa. "Sosialisasi Dan Edukasi Software Accounting Dalam Pencatatan Laporan Keuangan Pada Bmt Dmi Kota Pekanbaru." Jurnal Pengabdian UntukMu NegeRI 6, no. 2 (2022): 100–105. http://dx.doi.org/10.37859/jpumri.v6i2.4026.

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Islamic financial institutions or can be called interest-free banks are finance/banking whose operations and products are developed based on the arguments of the Qur'an and the Hadith of the Prophet SAW. Islamic financial institutions are banks whose working mechanism uses a profit-sharing system. Currently IAI (Indonesian Accounting Associations) has issued a statement of financial accounting standards (PSAK) which regulates Islamic Financial Accounting. The purpose of this activity is to provide knowledge and insight to readers about the role of the importance of accounting software in shari

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ANDISFA, RIO, and Annie Mustika Putri. "SOCIALIZATION OF COOPERATIVE ACCOUNTING SOFTWARE BMT DMI PEKANBARU CITY." JUDIKAT: Jurnal Pengabdian Kepada Masyarakat 2, no. 2 (2022): 52. https://doi.org/10.35145/judikat.v2i2.2493.

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Islamic financial institutions or can be called interest-free banks are finance/banking whose operations and products are developed based on the arguments of the Qur'an and the Hadith of the Prophet SAW. Islamic financial institutions are banks whose working mechanism uses a profit-sharing system. Currently IAI (Indonesian Accounting Associations) has issued a statement of financial accounting standards (PSAK) which regulates Islamic Financial Accounting. The purpose of this activity is to provide knowledge and insight to readers about the role of the importance of accounting software in shari

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Захария, Сергей, and Иван Бузаджи. "PARTICULARITIES OF THE PROCESS SS SS OF INHERITANCE OF RIGHTS RELATED TO PARTICIPATION IN TRADE ORGANIZATIONS." Supremația dreptului 1-2 (October 15, 2020): 74–86. https://doi.org/10.5281/zenodo.4159346.

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One of the important guarantees for the free development of the individual is the recognition by the state of the right of citizens to engage in entrepreneurial activity. In the Republic of Moldova, every year, more and more citizens create different commercial organizations, becoming their participants, investors, shareholders. The formation of a “family” business, the interest of the owners in its succession and its development made the problems of the legal regulation of the relations regarding the transfer of properties involved in the commercial turnover by inheritance to be u

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Nasada, Kayla Zahara Putri, Hendra Harmain, and Nur Ahmadi Bi Rahmani. "Application of Islamic Accounting and Benefits in Rahn Tasjily Financing in the Management of Islamic Multipurpose Cooperatives." Tazkia Islamic Finance and Business Review 19, no. 1 (2025): 140–66. https://doi.org/10.30993/tifbr.v19i1.399.

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Non-bank financial institutions are very often challenged to implement Islamic financing, especially in the standard of financial records. The purpose of this research is to evaluate the implementation of the rahn tasjily financing system, the application of sharia accounting to rahn tasjily, compliance with the DSN MUI fatwa related to rahn tasjily, compliance with Qanun on Islamic financial institutions, and the benefits of financing for members and employees at the Wangi Sari Selamat Jaya Sharia Multipurpose Cooperative (WASSALAM) Aceh Tamiang. The novelty of the research lies in the Qanun

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Smidth, Margrethe, Pedro Byron Blandon, and Chris Kuylenstierna. "O-212 AN INTERVENTION TO IMPROVE HEALTH AMONG SMALL-SCALE GOLD MINERS IN NICARAGUA BY ELIMINATING THE USE OF MERCURY." Occupational Medicine 74, Supplement_1 (2024): 0. http://dx.doi.org/10.1093/occmed/kqae023.1007.

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Abstract Introduction Small-scale gold mining is a big mercury polluter worldwide and not just locally among the miners and their community. Although most countries find it difficult to follow the intentions of the Minamata Convention there seem to be more activities to effectuate the ban among the 123 signatories. Law enforcement, support of new technologies, community awareness and focus on health and environment are pivotal in the National Plan model suggested by United Nations Environmental Programme, UNEP. Diálogos has for many years worked all over the World with different models to impl

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Naszalyi, Phillipe, and Arnaud Slama-Royer. "An “adhocracy” of stakeholders, the case of ADSA in France (Essonne)." Journal of Accounting & Organizational Change 12, no. 1 (2016): 8–23. http://dx.doi.org/10.1108/jaoc-09-2015-0076.

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Purpose – The purpose of this paper is to analyze the structural problems emerging in the course of managing and safeguarding a French association for home care to a thousand elderly or disabled people between 2007 and 2012, employing 150 - 190 people and on the verge of bankruptcy. In France, small local businesses not only compete with major capital outlets in this sector but also with associations of varying size and origin. Free market rules apply, under the legislation of 2003, to what is, in part, “competition free”, being “in the public interest” and within the framework of local and na

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Maruf, Ahmad, and Imamudin Yuliadi. "Increasing Sharia Financial Literacy of the Ngaglik Disabled Savings and Loans Cooperative." Proceeding International Conference of Community Service 1, no. 2 (2023): 348–55. http://dx.doi.org/10.18196/iccs.v1i2.237.

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Abstract. Management of Savings and Loans Cooperatives (KSP) for people with disabilities is a breakthrough for empowering people with disabilities, especially from the aspect of capital to be independent in trying to build an economic unit. Islamic financial literacy is an effort to increase the understanding of the Ngaglik Disabled Bank KSP management in the financial system and operations at the Disabled Bank KSP in accordance with Islamic sharia principles, namely free from usury, maisir and ghoror. KSP Bank for the Disabled Ngaglik is a financial institution engaged in the financial secto

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Acharya, Abhijeet, and Lisa A. Cave. "Feed-in-Tariff Removal in UK’s Community Energy: Analysis and Recommendations for Business Practices." Journal of Sustainable Development 13, no. 4 (2020): 1. http://dx.doi.org/10.5539/jsd.v13n4p1.

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This paper aims to analyze the implications of Feed-In-Tariff (FIT) support removal in the UK&rsquo;s community energy sector and make recommendations for future business practices. European countries, including the UK, have recognized the critical role of Community Energy Cooperatives (CECs) in achieving low-carbon-energy transition targets through citizen engagements. However, due to the withdrawal of FIT support and other incentives in the UK, CECs struggle to sustain their profitability and growth. The subsidy-free, market-oriented policies have necessitated that CECs explore new busin

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Priyadi, Rohman, Rifki Imal, and Arip Rahman. "DOES INTENTION MATTERS FOR BMT MEMBER TO INVEST IN MUDHARABAH MUQAYYADAH DEPOSIT?" Airlangga International Journal of Islamic Economics and Finance 7, no. 01 (2024): 29–55. http://dx.doi.org/10.20473/aijief.v7i01.58237.

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Baitul Mal wat Tamwil (BMT) plays an important role in collecting and managing funds, as well as channeling them to mikor business actors with the principles of justice that are free from usury. However, it was found that members' interest in investment products in cooperatives is still relatively low. This study aims to analyze the intention of BMT members to invest in mudharabah muqayyadah savings by using the Theory of Planned Behaviour (TPB). The sampling method uses cluster random sampling by distributing online questionnaires to all investors in muqayyadah mudharabah deposits whose BMTs

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Parmaksiz, Osman, and Gokhan Cinar. "Technology Acceptance among Farmers: Examples of Agricultural Unmanned Aerial Vehicles." Agronomy 13, no. 8 (2023): 2077. http://dx.doi.org/10.3390/agronomy13082077.

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Agricultural drones (AUAVs) contribute greatly to sustainable agriculture by reducing input use. The literature on this topic is scarce, so there is little information on the adoption of agricultural drones by farmers. The purpose of this paper is to investigate the factors affecting farmers’ intention to adopt drones for agricultural tasks. Within the scope of this study, face-to-face surveys with 384 farmers were conducted. The obtained data were analyzed using different statistical, econometric, and decision techniques, including the conditional valuation method, lower payment bound estimat

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McAuliffe, Eilish, Moayed Hamza, Thérèse McDonnell, et al. "Children’s unscheduled primary and emergency care in Ireland: a multimethod approach to understanding decision making, trends, outcomes and parental perspectives (CUPID): project protocol." BMJ Open 10, no. 8 (2020): e036729. http://dx.doi.org/10.1136/bmjopen-2019-036729.

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IntroductionThe aim of this project is to determine the patterns, decision-making processes and parental preferences associated with unscheduled paediatric healthcare utilisation in Ireland. Unscheduled paediatric healthcare is outpatient care provided within primary care settings by general practitioners (GPs), emergency departments (EDs) located in paediatric and general hospitals, and out-of-hours services provided by cooperatives of GPs operating on a regional basis. This project will take a multimethod approach to analysing the utilisation of unscheduled paediatric healthcare nationally w

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Rahmah, Maulidatur, Zahida I’tisoma Billah, and Moh Samsul Arifin. "Optimalisasi Peran Peer-To-Peer Lending Syariah dalam Meningkatkan Kesejahteraan UMKM di Kabupaten Probolinggo: Pendekatan Inklusif di Era Digital." Eksis: Jurnal Ilmiah Ekonomi dan Bisnis 16, no. 1 (2025): 9. https://doi.org/10.33087/eksis.v16i1.520.

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The development of Islamic financial technology has opened new opportunities to support the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, particularly in Probolinggo Regency. One rapidly growing instrument is Sharia Peer-to-Peer (P2P) Lending, which offers interest-free financing access through digital platforms. This study aims to analyze the role, challenges, and optimization strategies of Sharia P2P Lending in improving MSME welfare through an inclusive approach in the digital era. The approach used is qualitative descriptive-explorative, with data collection techniqu

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Fitrianisa, Elsya, Anda Dwiharyadi, and Zalida Afni. "Persepsi Pelaku Usaha Mikro Kecil Dan Menengah (UMKM) Terhadap Minat Penggunaan Aplikasi Akuntansi Digital Di Kota Padang." Akuntansi dan Manajemen 18, no. 2 (2023): 51–69. http://dx.doi.org/10.30630/jam.v18i2.238.

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The continue development of digital technology has had a major impact on the business world. Especially MSMEs. The most noticeable impact is the shift in data processing from manual system to computerized system. The existence of MSMEs, has not been separated from the obstacles, one of which is related to bookkepping or making financial reports. Digital based accounting applications exist as one of the technologies that are expected to overcome the problems faced. Even though digital accounting applications are available, both free and paid, there are still business actors who don’t use these

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Shaik Mohammed, Wasiullah, and Khalid Waheed. "Interest-free microfinance in India." Journal of Islamic Accounting and Business Research 10, no. 5 (2019): 695–709. http://dx.doi.org/10.1108/jiabr-11-2017-0176.

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Purpose The purpose of this study is to understand the operations of interest-free microfinance institutions, find the issues and recommend possible solutions in the Indian context. Design/methodology/approach This paper is based on the case study of Sanghamam Multistate Cooperative Credit Society. This research uses both primary and secondary data. The institution is assessed in terms of two major performance aspects, namely, outreach indicators and financial performance indicators. A brief comparative study of Sanghamam with the aggregate performance of the Indian microfinance industry has a

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Karyy, O., О. Grytsay, P. Sorokovyi, and T. Khomuliak. "FINANCING OF HOUSING THROUGH REAL ESTATE FUNDS: THE RELATIONSHIP BETWEEN LEGAL, TAX AND ACCOUNTING ASPECTS." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 68–77. http://dx.doi.org/10.18371/fcaptp.v3i38.237421.

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Abstract. The article examines the processes of housing construction financing through the mechanism of creating funds for real estate transactions from the standpoint of legal and scientific-theoretical justification. The interrelation of legal, tax, and accounting aspects in the process of housing financing through real estate funds and the impact of the issuance of property certificates as equity instruments on the activities of managers of real estate funds are determined. In the context of providing the housing with financial resources, the dynamics of the index of capital investmen

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Shaik Mohammed, Wasiullah, and Khalid Waheed. "Interest-free microfinance in India: a case study of Bait-un-Nasr Urban Cooperative Credit Society." ISRA International Journal of Islamic Finance 11, no. 2 (2019): 322–37. http://dx.doi.org/10.1108/ijif-10-2018-0114.

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Purpose The purpose of this paper is to understand interest-free microfinance practices in India, identify issues and recommend possible solutions. Design/methodology/approach To achieve the proposed objectives, Bait-un-Nasr (BuN) Urban Cooperative Credit Society, located in Mumbai, India, is considered for the case study. The study is based on both primary and secondary data. The primary data are collected through questionnaires and secondary data from various sources. Performance of the institution is assessed in terms of growth and sustainability indicators. Findings It is found that BuN ha

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Wasiullah Shaik Mohammed, Wasiullah Shaik Mohammed. "Interest-free Microfinance in India: A Case Study of the Al-Khair Cooperative Credit Society." journal of king Abdulaziz University Islamic Economics 31, no. 1 (2018): 47–66. http://dx.doi.org/10.4197/islec.31-1.3.

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Interest-free microfinance institutions are providing efficient services around the globe including in India. The current paper is a case study research of Al-Khair – a well-known interest-free credit cooperative society in India. In this paper, the authors try to understand the modus operandi of the selected institution. The selected institution has also been evaluated in terms of various parameters such as its current status, outreach, beneficiaries, growth, and financial health. In conclusion, the authors highlight the potential challenges facing this institution and make a few recommendati

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Hryshchuk, Nadiia. "THE KEY BASIS OF THE FINANCIAL SECURITY MECHANISM REPRESENTATIVES OF SMALL BUSINESSES." Green, Blue and Digital Economy Journal 3, no. 2 (2022): 9–20. http://dx.doi.org/10.30525/2661-5169/2022-2-2.

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The purpose of the work is to study the importance of the appropriate level of financing of the small business sector, as an integral component of the market economy, which provides solutions to a number of urgent needs of society, the determination of priority financial programs for their financing in conditions of military aggression. Methodology. The theoretical and methodological basis of the research is general scientific and special methods. Scientific knowledge: generalization, analogy, analysis and synthesis, induction and deduction (for clarifying the conceptual apparatus, theoretical

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Assyifa, Zubaidah, Mohd Winario, Mifta Hasda, et al. "Penerapan Qardul Hasan Di Koperasi Syariah Sman 1 Bangkinang Kota." Multidisciplinary Journal of Religion and Social Sciences 2, no. 1 (2025): 27–37. https://doi.org/10.69693/mjrs.v2i1.120.

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This study aims to analyze the implementation of qardhul hasan in the Sharia Cooperative of SMAN 1 Bangkinang City as a form of financing that is in accordance with sharia principles. Qardhul hasan is a sharia financial product in the form of an interest-free loan that aims to help cooperative members in need. The research method used is a qualitative descriptive approach, with data collection techniques in the form of in-depth interviews, observations, and document studies. Data analysis was carried out through data reduction, data presentation, and drawing conclusions. The results of the stu

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J, Agusti Cullell. "Interest in Reality." Philosophy International Journal 7, no. 2 (2024): 1–9. http://dx.doi.org/10.23880/phij-16000329.

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I have broaden the notion of interest seeing it as the quiet, serene energy of sentient intelligence, the intelligence of the creative freedom of reality embodied in all forms of life, from the simplest such as bacteria to the very complex such as cultural human life where I focus my attention. There are many forms of interest, as seen hereafter. However, I will emphasize the primordial interest in reality itself, the unwavering foundation of all interest proper of a mature and healthy, free and creative intelligence, hence the name a give it. The strong symbiotic and cultural constitution of

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Rohmah, Aljunda Intana Inayatur. "The Implementation of Collaborative Strategic Reading in Teaching Reading Comprehension at SMK Nurul Islam Pongangan." IREELL: Indonesian Review of English Education, Linguistics, and Literature 3, no. 1 (2025): 37–52. https://doi.org/10.30762/ireell.v3i1.5244.

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Students have difficulties in understanding an English text because they lacked vocabulary mastery, which made them lazy to read and feel bored in the learning process. In the teaching and learning process, teachers need methods to make the lesson easier. Collaborative Strategy Reading is an excellent teaching technique to teach students to navigate comprehension and build vocabulary as well as work together cooperatively. Klingner and Vaughn (1998) in Nurhayati (2015) state that Collaborative Strategic Reading is an excellent strategy for teaching students reading comprehension and building v

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Basu, Kaushik. "THE MORAL BASIS OF PROSPERITY AND OPPRESSION: ALTRUISM, OTHER-REGARDING BEHAVIOUR AND IDENTITY." Economics and Philosophy 26, no. 2 (2010): 189–216. http://dx.doi.org/10.1017/s0266267110000192.

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Much of economics is built on the assumption that individuals are driven by self-interest and economic development is an outcome of the free play of such individuals. On the few occasions that the existence of altruism is recognized in economics, the tendency is to build this from the axiom of individual selfishness. The aim of this paper is to break from this tradition and to treat as a primitive that individuals are endowed with the ‘cooperative spirit’, which allows them to work in their collective interest, even when that may not be in their self-interest. The paper tracks the interface be

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KULKARNI, ANJALI. "INNOVATIONS IN FINANCIAL INCLUSION OF THE URBAN POOR: A MODEL OF RAHAT CREDIT COOPERATIVE SOCIETY, INDIA." Hong Kong Journal of Social Work 51, no. 01n02 (2017): 27–50. http://dx.doi.org/10.1142/s0219246217000043.

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Most of the Asian countries face challenge of poverty which is linked with unemployment. Lack of assets and income make poor unable to invest for self employment or for knowledge /skill development leading to employment. Access to financial services may help people to come out of poverty through variety of ways like availing credit, insurance and saving facilities. In India, in spite of several initiatives for financial inclusion, field level data shows that by merely opening bank account the access to credit may not be there and financial inclusion in true sense may not happen. The microfinan

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Minteer, Ben A. "Environmental Philosophy and the Public Interest: A Pragmatic Reconciliation." Environmental Values 14, no. 1 (2005): 37–60. http://dx.doi.org/10.1177/096327190501400104.

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Most environmental philosophers have had little use for ‘conventional’ philosophical and political thought. This is unfortunate, because these traditions can greatly contribute to environmental ethics and policy discussions. One mainstream concept of potential value for environmental philosophy is the notion of the public interest. Yet even though the public interest is widely acknowledged to be a powerful ethical standard in public affairs and public policy, there has been little agreement on its descriptive meaning. A particularly intriguing account of the concept in the literature, however,

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Okolo, Julius Emeka. "Integrative and cooperative regionalism: the economic community of West African states." International Organization 39, no. 1 (1985): 121–53. http://dx.doi.org/10.1017/s0020818300004884.

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The Economic Community of West African States (ECOWAS), the most recent effort at regional integration in the Third World, is the first potential success for such endeavors among less developed countries (LDCs). Deficient in some of the neofunctional variables of regional integration, ECOWAS differs from similar LDC groupings. Its formation was the result of high-level political support. The terms and provisions of its treaty create a harmonious political environment for cooperation, and the community has so far been free of the conflicts that destroyed several similar LDC ventures. A quasi-su

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Lee, Hansol, and Hyunwook Kim. "Analysis of the constructs of Cooperative learning perceived by elementary school students." Korean Journal of Teacher Education 39, no. 6 (2023): 431–50. http://dx.doi.org/10.14333/kjte.2023.39.6.19.

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Purpose: There has been inadequate research on how elementary students perceive Cooperative Learning (CL). Therefore, the purpose of this study was to identify the concepts of CL as perceived by elementary students and to discuss improvements to CL based on these findings. Methods: To accomplish this purpose, the characteristics of CL as recognized by elementary school students were analyzed using the Repertory Grid technique, a prominent technique in Personal Construct Psychology. Results: The constructs of CL are as follows: ‘Willingness to cooperate’, ‘Acceptance of evaluation r

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Guidotti, Rolandino. "The European Private Company: The Current Situation." German Law Journal 13, no. 3 (2012): 331–44. http://dx.doi.org/10.1017/s2071832200020526.

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The goal of the European Union is not only to harmonize the different national legislations but also to create new company models. These new company models are not intended to replace the national models, but instead to offer a new and free choice to business operators in addition to the national models. It is predictable that among these models will be the European Private Company (Societas Privata Europaea or SPE) regulated by the Proposal for a Council Regulation (presented by the Commission) of 25 June 2008. The other preceding European legal forms have been the European Economic Interest

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Fabian, Najwan, Rabiatul Adawiyah, Fajrul Ilmi, and Muhammad Syarif Hidayatullah. "PERAN PEMERINTAH MELINDUNGI USAHA RITEL TRADISIONAL DALAM PANDANGAN HUKUM EKONOMI SYARIAH." Mitsaqan Ghalizan 3, no. 2 (2023): 32–43. http://dx.doi.org/10.33084/mg.v3i2.5543.

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This study aims to determine the role of the Banjarmasin city government in protecting traditional retail businesses and to analyze it in view of sharia economic law and also to find out the obstacles faced by the Banjarmasin city government in protecting traditional retail businesses. This research is a field research (field research) with a qualitative approach and using interviews and documentation methods. The results of research conducted by researchers indicate that the government has protected traditional retail businesses in the city of Banjarmasin, so that they continue to run well, s

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Pavlovic, Branka. "Partner relations in teaching as a factor encouraging learning and cognitive development." Zbornik Instituta za pedagoska istrazivanja, no. 36 (2004): 151–67. http://dx.doi.org/10.2298/zipi0436151p.

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The paper discusses the role of partner relations established between teacher and student in encouraging learning and cognitive development. Partnership means a relationship where there exists equal mutual respect of partners. Learning is viewed as a construction process not as knowledge transmission and emphasis is placed on the importance of the "zone of subsequent development for asymmetric partner communication in the process of building up knowledge". Attention focuses on two methods of learning in the teaching process: teacher-student cooperative learning and modeling. Several forms of p

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Utkin, A. "The modern tendencies in music education in Hungary: cooperative learning method." Bulletin of Science and Practice, no. 12 (December 15, 2017): 529–33. https://doi.org/10.5281/zenodo.1116637.

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The modern music pedagogy in Hungary continues the traditions, founded in the middle of the last century by outstanding musician and teacher Zoltán Kodály. However the Kodály concept leaves the teacher free to choose methodological solutions. Whereby the common goal and the unified focus of the music education have maintained, but there is a rethinking of the methods of work, updating of the teaching material and orientation to the new pedagogical trends. Particularly, research in psychological sciences, which with the development of computer technologies and medicine, car

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Luesma, Mª José, Irene Cantarero, and Jesús Sergio Artal-Sevil. "Space Race: An Interactive Digital Tool in the Classroom. Are You Ready?" Proceedings 2, no. 21 (2018): 1319. http://dx.doi.org/10.3390/proceedings2211319.

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This document presents an interdisciplinary teaching experience based on Game-based Learning as an educational methodology complementary to the Flipped Classroom pedagogical approach in higher education. The tool used was the Space Race application integrated into the free Socrative software. A more active and meaningful learning has been promoted in the student with its implementation. Likewise, it has allowed the face-to-face classes to be energized, creating a relaxed atmosphere. The reflective and critical use of technological applications and mobile devices in the classroom has also been

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Salimibeni, Mohammad, Arash Mohammadi, Parvin Malekzadeh, and Konstantinos N. Plataniotis. "Multi-Agent Reinforcement Learning via Adaptive Kalman Temporal Difference and Successor Representation." Sensors 22, no. 4 (2022): 1393. http://dx.doi.org/10.3390/s22041393.

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Development of distributed Multi-Agent Reinforcement Learning (MARL) algorithms has attracted an increasing surge of interest lately. Generally speaking, conventional Model-Based (MB) or Model-Free (MF) RL algorithms are not directly applicable to the MARL problems due to utilization of a fixed reward model for learning the underlying value function. While Deep Neural Network (DNN)-based solutions perform well, they are still prone to overfitting, high sensitivity to parameter selection, and sample inefficiency. In this paper, an adaptive Kalman Filter (KF)-based framework is introduced as an

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Ayub, Muhammad. "Editorial: The Riba¯ Case Pending for three Decades: The Federal Shar¯ı‘at Court, Pakistan may Fulfill its Constitutional Responsibility by Outlawing the Interest." Journal of Islamic Business and Management (JIBM) 11, no. 01 (2021): 1–13. http://dx.doi.org/10.26501/jibm/2021.1101-001.

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While Islamic banking is being promoted by the State Bank of Pakistan (SBP) working parallel with theconventional banking since 2002, the Constitution of Pakistan requires that interest must be outlawed from The economy as early as possible [Article 38 (f)]. The legal trajectory of interest made its way to the Federal Shar¯ı‘at Court (FSC) after the 10-years moratorium on adjudicating fiscal and banking matters ended at the end of May 1990. The FSC and subsequently the Shar¯ı‘at Appellate Bench (SAB) of the Supreme Court of Pakistan delivered their landmark judgments in 1991 and 1999 respectiv

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Berríos, Rodrigo, and Rodrigo Saens. "The country-brand in the wine industry: how important is variety specialization?" Academia Revista Latinoamericana de Administración 28, no. 4 (2015): 484–501. http://dx.doi.org/10.1108/arla-12-2014-0230.

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Purpose The purpose of this paper is to analyze whether or not the reputation of a region/country in the international wine market depends on a region/country’s efforts to specialize in a specific grape variety. Design/methodology/approach Data on 19,959 bottles of wine corresponding to six vintages across ten wine producing regions worldwide are used to estimate a hedonic price model that measures consumer valuations of the different wine attributes. Findings The results of this study show that although variety specialization has successfully underpinned the reputation of some New World regio

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Abdi, Mohamed Khadar, Daniela Lupi, Costanza Jucker, and Ian C. W. Hardy. "Kinship effects in quasi-social parasitoids I: co-foundress number and relatedness affect suppression of dangerous hosts." Biological Journal of the Linnean Society 130, no. 4 (2020): 627–41. http://dx.doi.org/10.1093/biolinnean/blaa046.

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Abstract Explanations for the highest levels of sociality typically invoke the concept of inclusive fitness. Sclerodermus, a genus of parasitoid hymenopterans, is quasi-social, exhibiting cooperative brood care without generational overlap or apparent division of labour. Foundress females successfully co-exploit hosts that are too large to suppress when acting alone and the direct fitness benefits of collective action may explain their cooperation, irrespective of kinship. However, cooperation in animal societies is seldom free of conflicts of interest between social partners, especially when

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Burtness, Barbara, Meredith A. Goldwasser, William Flood, Bassam Mattar, and Arlene A. Forastiere. "Phase III Randomized Trial of Cisplatin Plus Placebo Compared With Cisplatin Plus Cetuximab in Metastatic/Recurrent Head and Neck Cancer: An Eastern Cooperative Oncology Group Study." Journal of Clinical Oncology 23, no. 34 (2005): 8646–54. http://dx.doi.org/10.1200/jco.2005.02.4646.

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Purpose Therapy of recurrent/metastatic squamous cell carcinoma of the head and neck results in median progression-free survival (PFS) of 2 months. These cancers are rich in epidermal growth factor receptor (EGFR). We wished to determine whether the addition of cetuximab, which inhibits activation of EGFR, would improve PFS. Patients and Methods Patients with recurrent/metastatic squamous cell carcinoma of the head and neck were randomly assigned to receive cisplatin every 4 weeks, with weekly cetuximab (arm A) or placebo (arm B). Tumor tissue was assayed for EGFR expression by immunohistochem

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