Thursday, March 19, 2020
The History of Chemical Explosives An explosion can be defined as the rapid expansion of a material or device that exerts a sudden pressure on its surroundings. It can be caused by one of three things: a chemical reaction that occurs during conversion of elemental compounds, a mechanical or physical impact, or a nuclear reaction on the atomic/subatomic level. Gasoline exploding when ignited is a chemical explosion brought about by the sudden conversion of a hydrocarbon to carbon dioxide and water. The explosion that occurs when meteor strikes the earth is a mechanical explosion. And a nuclear warhead explosion is the result of the nucleus of a radioactive substance, like plutonium, suddenly splitting apart in an uncontrolled fashion. But it is chemical explosives that are the most common form of explosives in human history, used both for creative/commercial and destructive effect. The strength of a given explosive is measured that the rate of expansion it exhibits during detonation. Lets look briefly at some common chemical explosives. Black Powder It is unknown who invented the first explosive black powder. Black powder, also known as gunpowder, is a mixture of saltpeter (potassium nitrate), sulfur, and charcoal (carbon). It originated in China around in the ninth century and was in wide use throughout Asia and Europe by the end of the 13th century. It was commonly used in fireworks and signals, as well as in mining and building operations. Black powder is the oldest form of ballistic propellant and it was used with early muzzle-type firearms and other artillery uses. In 1831, William Bickford an English leather merchant invented the first safety fuse. Using a safety fuse made black powder explosives more practical and safer. But because black powder is messy explosive, by the end of the 18th century it was replaced by high explosives and by cleaner smokeless powder explosives, such as what is currently used in firearm ammunition. Black powder is categorized as a low explosive because it expands and subsonic speeds when it detonates. High explosives, by contract, expand as supersonic speeds, thereby creating much more force. Nitroglycerin Nitroglycerin is a chemical explosive that was discovered by Italian chemist Ascanio Sobrero in 1846. It was the first explosive developed that was more powerful than black powder, Nitroglycerin is a mix of nitric acid, sulphuric acid, and glycerol, and it is highly volatile. Its inventor, Sobrero, warned against its potential dangers, but Alfred Nobel adopted it as a commercial explosive in 1864. Several serious accidents, however, caused pure liquid nitroglycerin to be widely banned, leading to Nobels eventual invention of dynamite. Nitrocellulose In 1846, Chemist Christian Schonbein discovered nitrocellulose, also called guncotton, when he accidentally spilled a mixture of potent nitric acid on a cotton apron and the apron exploded as it dried. Experiments by Schonbein and others quickly established a means of manufacturing guncotton safely, and because it had a clean, explosive power almost six times greater than black powder, it quickly was adopted for use as means for propelling projectiles in weapons.Ã TNT In 1863, TNT or Trinitrotoluene was invented by German chemist Joseph Wilbrand. Originally formulated as a yellow dye, its explosive properties were not immediately evident. Its stablity was such that it could be safely poured into shell casings, and in the early 20th century it came into standard usage for German and British military munitions. Considered a high explosive, TNT is still in common use by the U.S. military and by construction companies around the world.Ã Blasting Cap In 1865, Alfred Nobel invented the blasting cap. The blasting cap provided a safer and dependable means of detonating nitroglycerin. Dynamite In 1867, Alfred Nobel patented dynamite, a high explosive that consisted of a mixture of three parts nitroglycerine, one part diatomaceous earth (ground silica rock) as an absorbent, and a small amount of sodium carbonate antacid as a stabilizer. The resultant mixture was considerably safer than pure nitroglycerine, as well as being much more powerful than black powder. Other materials are now used as the absorbent and stabilizing agents, but dynamite remains the premier explosive for use in commercial mining and construction demolition. Smokeless Powders In 1888, Alfred Nobel invented a dense smokeless powder explosive called ballistite. In 1889, Sir James Dewar and Sir Frederick Abel invented another smokeless gunpowder called cordite. Cordite was made ofÃ nitroglycerin, guncotton, and a petroleum substance gelatinized by addition of acetone. Later variations of these smokeless powders form the propellant for most modern firearms and artillery. Modern Explosives Since 1955, a variety of additional high explosives has been developed. Created mostly for military use, they also have commercial applications, such as in deep drilling operations.Ã Explosives such as nitrate-fuel oil mixtures or ANFO and ammonium nitrate-base water gels now account for seventy percent of the explosives market. These explosives come in various types including: HMXRDXHNIWONC
Monday, March 2, 2020
40 Helpful Words Ending in -Ade 40 Helpful Words Ending in -Ade 40 Helpful Words Ending in -Ade By Mark Nichol Words ending in -ade (or -cade) have a certain panache to them, often denoting a vivid action (including, frequently, military activities or endeavors) or a product or outcome of an action hence several words referring to food or drink. Most terms in English are borrowed from the French suffix -ade, cognate with the Italian form -ata (which also appears, for example, in inamorata, meaning Ã¢â¬Å"loverÃ¢â¬ ) and the Spanish -ada (found in such words as armada, meaning Ã¢â¬Å"armed fleetÃ¢â¬ ); all three elements are derived from the Latin suffix -atus (as in apparatus). In several words with -ade endings, such as brocade, decade, invade, pervade, and pomade, the suffix is not derived from -atus, but check out this list of those that are: 1. Accolade: an award or an expression of praise, or a ceremony at which one or both are given 2. Ambuscade: an ambush 3. Aquacade: an aquatic entertainment in which participants swim and dive to music 4. Balustrade: a row of vertical supports for a railing, or any barrier 5. Barricade: a barrier or other obstacle, or the action of creating one (unrelated to barrier, which comes from the Anglo-French word barre, meaning Ã¢â¬Å"barÃ¢â¬ ) 6. Blockade: an obstruction to prevent supplies or military personnel from moving from one place to another by land or sea, or any similar preventive action, or an interruption of physiological processes; also, to undertake such an action 7. Brigade: a large military unit, or an organized group (as a bucket brigade, a line of people relaying buckets full of water to douse a fire) 8. Cannonade: a bombardment, or the figurative equivalent, as in a verbal attack 9. Carronade: a short-barreled cannon (unrelated to cannon, the word is from the place name of Carron, Scotland) 10. Cascade: one or more steps in a waterfall or any similar movement, a cascading pattern in material, or a process that occurs in stages in which each one causes another; also, used as a verb to describe one of these actions 11. Cavalcade: a procession of people riding on animals or in vehicles or vessels, or a series 12. Charade: a puzzle or game (the latter referred to as charades) in which participants try to guess a word or phrase, or a pretense 13. Chiffonade: a vegetable or herb serving or garnish 14. Crusade: an enthusiastic effort to remedy or improve a situation; also a verb and, as crusader or crusading, an adjective 15. Colonnade: a line of regularly spaced columns 16. Defilade: a fortification that narrows the enemyÃ¢â¬â¢s maneuvering area, or the area in a structure or in a terrain out of the enemyÃ¢â¬â¢s line of fire 17. Enfilade: a flanking attack along the enemyÃ¢â¬â¢s line of fire, or a series of rooms, each of which opens into the next 18. Escalade: an act of climbing, especially a fortification 19. Escapade: an unapproved or unconventional activity or adventure 20. Esplanade: an open area for walking or driving, especially on a shoreline 21. Fusillade: shots fired simultaneously or in succession, or a similar attack of projectiles or the figurative equivalent, as in an outburst of spoken or written criticism 22. Gallopade: a type of spirited dance 23. Gasconade: boasting or bravado 24. Glissade: a gliding or sliding ballet step, or any movement suggestive of one; also, to undertake this action 25. Lemonade: a drink made of lemon juice, sugar, and water 26. Limeade: a drink made of lime juice, sugar, and water 27. Marinade: a savory sauce used to flavor and/or tenderize meat; the verb form is marinate 28. Marmalade: a jelly that includes pieces of fruit and fruit rind 29. Masquerade: a party whose attendees wear masks and costumes, or the costume itself; also, something done for show or to deceive, or to disguise, or a verb describing this type of behavior 30. Motorcade: a procession of motorized vehicles 31. Orangeade: a drink made of orange juice, sugar, and water 32. Palisade: a protective fence made of pointed stakes, or one such stake, or a line of cliffs suggesting a barrier 33. Parade: a procession or mobile array, a formation of troops or the site of the formation, people strolling or the place where they stroll, or a spectacle or a series of actions or efforts suggestive of such an exhibition; also, to perform one of these activities 34. Pasquinade: a satire 35. Promenade: a place where people stroll, or a public walk or ride undertaken for enjoyment or to show off, a march at the beginning of a formal ball in which all guests participate, or a movement in square dancing (in addition, the word from which prom is truncated); also, to undertake any of these activities 36. Renegade: one who defies normal standards of behavior or abandons one cause for another 37. Scalade: an archaic variant of escalade (see above) 38. Serenade: a musical performance intended to compliment the listener, especially one performed as part of a courtship, or a specific type of musical composition for a small group of performers 39. Stockade: an enclosure of posts or stakes constructed to keep prisoners in or the enemy out 40. Torsade: an ornament, especially for a hat, of twisted cord or ribbon Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Arrive To vs. Arrive At"Gratitude" or "Gratefulness"?20 Ways to Cry
Saturday, February 15, 2020
Small Business Advise and Discussion - Essay Example These ground works includes the following: 1. Proper Market Study: Analyzing the attractiveness of the industry, demand and supply analysis, customer, competitor analysis, SWOT analysis of the company, capital budgeting and financial planning for the business will help the business owner to understand all the small and big issues involved in the particular business. The target market should be identified and segmented. The small business owners face problems in raising the capital due to various reasons. These reasons can be risk, credibility of the business owner, market value of the projects, expected growth of the project or the business, customer base, business know-how of the owners, qualifications, experience and backup to support any kind of financial crisis. There are various alternative sources of finance available for the small investors. These are Boot Strap, Angel, Initial Public offering and private placement.1 In the Boot Strap funding the funds are raised with family, friends and others. In the case of Angel the investment is done by wealthy individuals. Private placements are done through banks and various other investments companies. Companies also access to the market through IPO to raise the capital. Boot Strap is a funding option available for all kind of business. Most of the companies start up with the investments like this. These kind of investments which are done with the h elp of various close circle members like family, friends, colleagues and sometimes good customers help small business owners for their initial stages of developments. Small business owners can effectively utilize these investments. The results produced like profitability, increased market value, customer base and demand of the products can attract investors for the further investments. These can be new investors, banks and other potential investors. This can help the small business owners to raise the funds in the expansion and growth phases of the
Sunday, February 2, 2020
Determine whether compensation and overtime applies to exempt and non-exempt security personnel in your state - Essay Example in our numbers lately and we need to play catch up.Ã¢â¬ Ã¢â¬Å"Will we be receiving overtime?Ã¢â¬ Bob the employee inquires, though he already knows the response. Ã¢â¬Å"Good one, thatÃ¢â¬â¢s why we moved you to salary remember?Ã¢â¬ Joe chuckles as he walks back to his office. Fairness, in workers time and effort, versus pay has long been a minefield for dispute in the workplace. Typically speaking the worker tends to feel overworked and underpaid, and the owner tends to feel the employee is underworked and overpaid. Over the years lawsuits on compensation and overtime have arisen many times, and the decisions made by the Supreme Court in interpreting the constitution have greatly impacted the way these two are handled. So in order to investigate these laws and how they are applied in greater detail we are going to take one group of employees, security personnel, and see how overtime and compensation are regulated for them in the state of Texas. We will do this by defining overtime, by looking at what FLSA and the states say, by determining who is considered exempt and non-exempt employees, and by looking at how the United States Supreme Court case of Garcia v. City of San Antonio applies. The exact definition of overtime is any work done in addition to regular working hours (Lovett, 2011). However this leads to the question what are regular working hours? Regular working hours can be determined in several ways. The first way is by custom. This means the amount of hours that is considered healthy or reasonable by society. In the United States the custom for regular working hours is forty hours a week. The second way regular working hours can be defined is by the practices of a given trade or profession. A regular working week for an air traffic controller, for example, is anywhere between fifty Ã¢â¬â seventy hours. The third way regular working hours can be determined is by legislation. This occurs through bills being passed through congress to regulate the work environment and
Saturday, January 25, 2020
Consequences of Conformity in The Chocolate War Throughout Robert CormierÃ¢â¬â¢s The Chocolate War, the theme of the consequences of conformity, or nonconformity, is expressed. Although The Chocolate War was first published in 1974, this theme still pertains to the youth of today. This novel is timeless because teenagers will always face the choice of whether to be true to themselves, or to conform to what otherÃ¢â¬â¢s expect of them. In response to this theme, David Peck states, Ã¢â¬Å"what this idea becomes is the concept of being true to oneself and standing up to the evil that one perceives in the worldÃ¢â¬ (Peck 2). Furthermore, this idea is conveyed when Jerry refuses to participate in his schoolÃ¢â¬â¢s chocolate sale. At first he refuses to participate in the fundraiser because of an Ã¢â¬Å"assignmentÃ¢â¬ gi...
Friday, January 17, 2020
Civil disobedience is state in which people do not follow the rules and laws of a country as a form of political protest. The people who practice civil disobedience refuse to disperse; they block access to some buildings and block some roads or may disobey the laws of the country. A good example of civil disobedience in the Bible is when Jesus shut down the temple. Scholars say that this was one of the causes of his death on the cross. Civil disobedience is acceptable if the people feel they have to do it so long as they do not infringe in other peopleÃ¢â¬â¢s business. Civil disobedience did not start recently but has been in existence during the past. In the Bible, a few instances of civil disobedience can be noted. According to the Bible, Daniel disobeyed the king so that he could have the right to worship. He refused to worship as the king had instructed and decided to worship his God. This led to the king throwing him in a den of lions. This disobedience to the king and doing what he pleased can be viewed as a form of civil disobedience (2 Kings). Another instance of civil disobedience can be sited when Ester went to the kingÃ¢â¬â¢s chamber without the king summoning her. It was a law that nobody went to the kingÃ¢â¬â¢s chamber without being summoned. However, Ester defied the law and went to the kingÃ¢â¬â¢s chamber (the book of Ester). In the New Testament, civil disobedience is portrayed by Peter and John. Peter had healed a lame man and this led them to be arrested by the authorities. Even after being arrested, Peter and John remain fi rm and insist that they will continue worshipping their God and preaching the gospel about Jesus (the book of Acts). Another instance is in the book of revelation when John writes and says that the Christians will go against the rule of the antichrist during the end times. He states that the Christians of that time will refuse to bow to his image. (Dictionary of Biblical Imagery 115) From the instances above, the characters that practiced civil disobedience broke some laws so that they could have their way or do what they thought was right. Civil disobedience can therefore, be viewed as a sort of rebelliousness by a person so that they can have their way. The person who practices civil disobedience can feel that he is oppressed and not allowed to do what he wants. He may result to practicing civil disobedience so that the authorities can take note of him. It is also good to note that the civil disobedience is practiced when there is a conflict between manÃ¢â¬â¢s laws and GodÃ¢â¬â¢s laws. Daniel did not follow the kingÃ¢â¬â¢s laws but followed GodÃ¢â¬â¢s law (worshipping). Ester on the other hand went against the law of the land so that she could save her people from being killed. Civil disobedience can be taken as a course of action if the individual feels oppressed and has to follow GodÃ¢â¬â¢s law rather than manÃ¢â¬â¢s law. Some people may oppose the use of civil disobedience but Christians can put civil disorder into action because of their religious beliefs (Mott 105). Christians can non-violently oppose the government that promotes evil. This implies that they can peacefully work to change the government of the country while working with the laws of that country. Besides that, the Christians may also result to civil disobedience if the laws of the land conflict with the laws of God. Good examples where this comes into action are stated earlier in this article. However, Christians are subject to the laws of the country unless they flee from that country. If they disobey the laws of the country, they will be caught and cannot escape justice. In accordance to that, the decision to use civil disorder by an individual is according to the religious beliefs of a person or what he believes is right for him but is not allowed to do it. Civil disobedience has been used by other people other than in the Bible. A good example is when Gandhi of India decided to have a salt march (Falcon 135). He rallied the people and they had a salt march due to the high taxes of the salt. The march was also a good step for the attainment of independence of India. Civil disobedience was also put into action by the leaders of the black in South Africa. They did peaceful marches and the police did not arrest them. This yielded the desired effect since Nelson Mandela was freed from prison and led the country to attain its independence. The use of civil disobedience can therefore, be termed as an important tool to voice oneÃ¢â¬â¢s displeasure. The examples cited have shown how civil disobedience can yield results. Whenever it has been put into action, the civil disobedience yields the desired effect. Mostly, the authorities give in to the demands and the people have their way. Reference Dictionary of Biblical Imagery. Place of publication not identified: Ivp Academic, n.d.. Print. FalcoÃ n, y T. M. J. Civil Disobedience. Leiden [u.a.: Nijhoff, 2004. Print. Mott, Stephen C. A Christian Perspective on Political Thought. New York: Oxford University Press, 1993. Internet resource. Bottom Source document
Wednesday, January 8, 2020
Sample details Pages: 12 Words: 3489 Downloads: 5 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? Over the last ten years, Islamic banking has developed significantly. It has evolveded global rates of 10-15 % per year and has gotten an increasing number of conventional financial systems. At present Islamic financial institutions have stretched through 51 countries all over the world. As a result, the modern banking system was introduced to Islamic nations during the time when these countries were economically and politically at low recede i.e. the late 19th century. (, 2009). Most of the banks in the home countries of the Islamic regions established home branches in the capitals of the subject nations and they provided mainly to the import / export needs of the overseas businesses. Banking industries were generally limited to the capital cities as well as the local population remained largely unaffected by the banking system. The local business community barred the foreign banks both for religious and nationalistic reasons. However, as time went on it became difficult to involve in trade and other tasks such as current accounts and money transfers. Scrounging from the banks as well as depositing their savings with the bank was strictly prevented so as to keep away from carrying out business with interest which is prohibited by the religion Islam. (1991). DonÃ¢â¬â¢t waste time! Our writers will create an original "Analysis For Growth Of Islamic Banking In Pakistan Finance Essay" essay for you Create order Yet, with the passage of time and other socio-economic factors which require more involvement in national monetary and financial activities, evading the interaction with the banks became impossible. Islamic banking is a depository activity which is consistent with the Islamic law. It is carried out in line with the rules of Shariah which is known as known as fiqh muamalat which means Islamic regulations on transactions. Islamic Banking does not allow the receiving and paying of riba (interest) and persuades greater degree of justice as well as equity in the performing of banking operations. Within Pakistan marketplace the Islamic banks have witnessed average growth rate higher than the benchmark growth average rate. Such growth rates are said to be spirited as compared to other banking industries. Being able to realize the speedy growth of Islamic banking, it is important to find out the factors or the reasons for its expansion and development. For this research, the study will endeavour to identify the factors that influence the development of Islamic banking and how it has surfaced as a competitive industry in the worldwide market. This paper also aims to establish the difference or resemblance of Islamic Banks with other conventional banks. 1.1 OBJECTIVE Our chief purpose of the study of this topic is to converge on the increasing acceptance and growth of Islamic Banking industry in Pakistan. It has been discovered through analysis that despite being slow in economic activities, Islamic banking sector developed at an increasing rate than the traditional banks in the country, therefore, we will draw attention to the growth in all facets of banking i.e. growth in Market segment it has been able to capture, Investment, Branch set-up, Depositors and some other factors will analyzed in this report. This paper aspires on analyzing the key reasons for an increase in acceptance and adapting to Islamic baking during last ten years; from different angles that include current schemes and offers by Islamic banks as opposed to traditional banks, along with an analysis form customers view point. In short, this paper intends to acquire these objectives: To find out the reasons for the growth of Islamic banking. To find out if the profit-sharing concept is actually the reason for growing acceptability for Islamic banking. To find out what the masses feel about Islamic banking. To find out the reason for growth of Islamic banking in the country, along with the acceptance level and functionality for both corporate and general consumers. To study and analyze the background and its eventual growth in Pakistan. This will make it possible to understand how Islamic banking has evolved over a period of time which could help us determine its usefulness for us. To focus on the growth of Islamic banking system in Pakistan, as declared in the report of the state bank of Pakistan that Islamic banks have shown more growth than the conventional banks in Pakistan. To weigh the differences between traditional banking i.e. with the normality of interest based transactions and Islamic banking. This will assist us in deducing as to whether Islamic Banking does indeed look after the interests of the debtor and will highlight noteworthy advantages and disadvantages of the two systems. To find out if Islamic banking technique is considered reasonable enough by local as well as foreign banks in Pakistan. If traditional banks are to start this banking technique along with the conventional banking methods, it has to incorporate some changes so that it can merge in the stream easily. To establish what the attitude of corporate as well as individual consumer is when contemplating to opt for either type of banking. Only then can we conclude whether this system is successful or not. When creating a new product for a market, it is necessary to know its demand and acceptance that is expected. For instance, if the expected market for a service that the banks have to offer not attractive enough, they would certainly try to make it come up to the consumers expectations to make it acceptable, such as Islamic Car Financing Schemes. 1.2 Overview / Description Muslims are not entitled by their religion to carry out business in interest (riba) in whatsoever means. Contributing and getting as well as observation are all banned. Therefore an Islamic banking technique cannot give any interest to its investors; neither can it entail or get hold of any interest from the receivers. Nor could the banks observe or hold accounts of these transactions. Simply the lender is allowed to the return of his funds fully. This is a Quranic enjoining. The recommended method of banking abides by with these core Islamic prerequisites. On the other hand an essential doctrine of commercial banking is funds guarantee. The funds given to the bank by an investor must be brought back to him entirely. The imagined method totally follows with this necessity. Islamic banking as exercised today does not provide a guarantee for the deposits in consumers accounts. This probably is the most vital expostulations in many countries to consent to the organization of Islamic banks. There is no opposition to giving zero interest on deposit. 1.3 Significance of the Study This study provides comprehensive information on the field of Islamic Banking. This study would be of great help to researchers who are planning to carry out a research on other issues related to the subject. This study could serve as an intellectual tool in informing its reader about the reasons for the growth of Islamic Banking. This investigation will help in adding to literature that will be supportive to many companies and organizations in the field of banking and finance; it might also open up opportunity for other researches in this area. The researcher thinks that this research might help in responding, to some extent, to the questions above. Although a general overview of literature on Islamic Banking will be assessed. 1.4 Limitation of the Study The research is carried out within the following confines: To keep the study controllable research is conducted on limited grounds. The study is conducted on small level and only the vital aspects are considered. There was a shortage of time, that is why some degree of data is collected. Still the researcher has tried to assemble sufficient data to make an effective analysis. While conducting the survey through questionnaire, the time available and allocated, as well as the sample size had to be kept within strict confines. The results presented in the report may not represent general or collective attitude of the population at large Some respondents, who have inadequate familiarity of what Islamic banking techniques are and on what principles does this concept stand also came back with the answers; for this reason their input in the research might be based on their own judgment. Chapter 2 Review of Relevant Literature 2.1 Introduction 2.2 Overview of Islamic Banking 2.3 Reasons for Islamic Banking Growth 2.4 Other Factors affecting Islamic Banking Competencies Chapter 3 Research Methodology 3.1Research Approach The study merges qualitative and quantitative approach. The qualitative approach is used to draw from accounts and/or descriptions from people that can provide first hand information on the circumstances or observable fact being studied ( 2003). The purpose of this approach is to describe thorough information on a specific phenomenon to derive rationalization, understanding, and simplification. It is aimed to gather an in-depth understanding of human actions and the reasons that administer such behavior. The qualitative method looks into the why and how of decision making, not only what, where, when. For this reason smaller but focused samples are more frequently needed, rather than large samples as talked about earlier in our limitations of the study. The study makes use of qualitative approach to derive accounts and/or descriptions from banking experts. The quantitative approach is used to draw measurable or scientific information on the phenomenon subject of the study ( 2003). Thi s reason for assembling quantifiable data is to determine the association between or among variables through descriptive statistics (i.e. frequencies and comparative data) articulated in the tables and graphs. In quantitative research your intention is to determine the association between one thing (an independent variable) and another (a dependent or outcome variable) in a population. In the study, scientific data is collected to determine the explanation for Islamic Banking growth. Although quantitative investigation is a powerful tool for evaluating investments, it rarely tellsan inclusive story without the help of its opposite qualitative analysis. This research will be supported on real-practices information available in the financial market; pertinent to Islamic financial institutions within Pakistani financial markets. 3.2 Data Collection Method To be able to collect applicable data and to achieve the objectives of the study, primary data and secondary data will be used. Primary Research Primary data is imperative for every kind and field of research as it is unembellished information about the fallout of an experiment or observation, similar to the eyewitness authentication at a trial. No one has mottled it or molded it according to their own view point. So it can form the starting point of objective wrapping up. Primary research will be performed based on: Interviews with CFOs and executives of Islamic and conventional banks. Research and questionnaire with commerce experts. Research and questionnaire with depositor/business owners. Secondary Research Secondary data is brought together by someone other than the user. Universal sources of secondary data for social science take account of censuses, surveys, organizational records and data collected by means of qualitative methodologies or qualitative research. Secondary data analysis avoids time that would otherwise be depleted collecting data and, above all in the case of quantitative data, provides superior and higher-quality databases than would be unable to be realized for one person to collect all by himself. Apart from that, people studying socio-economic developments deem secondary data crucial, as it is not possible to do a new survey that can sufficiently capture past change and/or incidents. Secondary research will be performed on the basis of Data on hand within the Islamic and Conventional banks annual reports, websites and marketing resources. Data accessible through international organizations and annual industry review reports. The secondary supply of data will come from the companys annual report, in print articles, business journals, research papers, and related studies on banking and financial industries, in particular Islamic Banking. On the other hand, primary research was drawn in using the survey strategy, which allowed the collecting of a large amount of data from a significant population in an financially viable way ( 2003). The interview method provides a way of collecting insights or similes of experiences of the respondents on a given phenomenon or state of affairs with answers expressed in words and analysed to draw insight from and meaning (2003). 3.3 Sample Participants Sampling is the progression of selecting units (e.g., people, organizations) from a population of interest so that by studying the sample we may comparatively take a broad view of our results back to the population from which they were chosen. The population for this study comprises of managers, CFOs, banking experts and business owners. To make certain that the sample for this study is characteristic of the population, the researcher will conduct a random sampling. The sample will be made up of 50 respondents. 3.4 Survey/Questionnaire Survey research is one of the most key areas of measurement in applied social research. The expansive area of survey research takes in any measurement procedures that engage in asking questions to the respondents. The survey method is applied in collecting primary data. Survey consists of a descriptive and non-experimental data collection method anticipated to draw information from a large sample. The survey method allowed the exploration to derive accurate and objective data to support conclusions and generalisations. This applies in studies having need of the determination and investigation of links or relationships between or among variables (2003). On the other hand, there are advantages and disadvantages in using the survey method so that, the disadvantages should be dealt with to justify the method and make certain the dependability and authority of the data collection process. An advantage is the capability to establish a relationship among variables but a parallel disadvantage is the failure of the method to point towards the direction of the relationship (1994). In the current study, uniting the quantitative and qualitative approaches led to the determination not only of the existence of a relationship but also the direction of the relationship and the rationalization for this. Another advantage is the ability of the survey to represent data from many respondents but a related disadvantage is the heavy dependence of the method on self-reported data ( 1994) by the respondents making it very important for the researcher to apply ways of ensuring the enthusiasm of the respondents to participate and freely share information to maintain research validity. In the study, respondents were contacted ahead of time to seek their readiness to cooperate in the data collection process by explaining to them the intention of the study and the need for their involvement in the data collection process to ensure that answers given can validly support conclusion. In addition, merging survey with interview method also allows the company to draw explanations for answers. Still another advantage is the capability of the data collection method to derive a extensive range of experiences and opinions on the subject of the study but this also entail the concurrent disadvantage of requiring a monotonous process ( 1994). The current study worked through a timetable that fixed sufficient time for data collection especially because of the call for to draw willing respondents and hang around for replies to the questionnaire. The survey employed a questionnaire, composed of two parts. The first part of questionnaire enclosed demographic information while the second part concerned the survey proper. The questionnaire was managed to the chosen respondents. In addition, a supplementary primary data collection method is interview with selected survey respondents carried out to derive insight on the answers. Method adopted for data collection would be a structured questionnaire would be founded on Likert scale. A Likert Scale is a rating scale that calls for the subject to specify how much he agrees or disagrees with the statement provided. The scales are going to be the same as usually used in all such kinds of surveys, for instance to find out if an object has or does not have a particular feature, like or dislike towards some feature, or the importance attached to a characteristic. The equivalent weights for the responses would be: Range Interpretation 4.50 5.00 Strongly Agree 3.50 4.00 Agree 2.50 3.49 Uncertain 1.50 2.49 Disagree 0.00 1.49 Strongly Disagree The assistance of the questionnaire would provide the project owner the capability to analyze the insights of the people taking the questionnaire, and what they feel towards the subject in question. The distribution and collation methods used to deal with the questionnaire process would ensure anonymity. For substantiation purpose, the survey will only be conducted among five respondents. After tabulating results for these five respondents, the researcher will ask them if they want to make any corrections in their answers, or if they feel any attitude change towards any question to ensure its further perfection and soundness. The answers and the content of the survey questions/statements will then be again scrutinized to find out the consistency of the instrument. Afterwards, the researchers will leave out unnecessary questions and change any technical jargon that might not be understood by the respondents to much simpler terms. The five respondents used in the beginning will not be included in the actual sample for conducting the research in order to get unbiased results. The researcher will then tallies score and tabularize all the responses in the provided questionnaire. 3.4Ethical Considerations There are a number of crucial phrases that describe the system of moral protections that the modern social and medical research establishments have shaped to try to protect better the rights of their research contributors. The principle of voluntary participation requires that people not be intimidated into participating in research. This is more than ever relevant where researchers had in the past relied on captive audiences for their subjects, prisons, universities, and places like that. Closely related to the impression of voluntary participation is the requisite of informed consent. In essence, this means that potential research participants must be fully informed about the dealings and perils involved in research and must give their assent to participate. There are two standards that are put into operation so that the confidentiality of people participating in the research is not jeopardized. Almost all research guarantees the participants confidentiality they are assured that discovered information will not be made on hand to anyone who is not unswervingly involved in the study. The stricter standard is the rule of anonymity which essentially means that the participant will linger anonymous throughout the study The ethical reflections arising in the exploration cover the permission of the respondents to the data collection course and the confidentiality of the information given by the respondents. This could lift concerns on the part of the respondents. Answering and mailing back the questionnaires specifies consent and intentional participation to the data collection process. In addition, shielding the confidentiality of identities of the respondents and the information given would also be guaranteed to the respondents during the interview process. These steps are obligatory to ensure that the respondents on purpose and willingly extend their assistance and participation to the research process. 3.5 Data Processing The method of data analysis for the qualitative data is drawing from and interpreting meaning and deriving connotations in relation to the aspiration and objectives of the study. Results and analysis are offered in text discussions and graphs or charts to assist readability. In relation to the quantitative data, correlation analysis ascertains the subsistence of a relationship between the dependent and the various independent variables. 3.6 Statistical Treatment of the Data After the compilation of information from self-administered questionnaire, and related studies, the researcher brought together all the data. The statistical analysis for the information from semi-structure questionnaire was conducted Percentage to find out the extent to which answers to the questionnaire were obtained: Where: n = number of responses N = total number of respondents Weighted Mean: Where: f weight given to each response x number of responses xt total number of responses To appraise the information gathered, the percentage analysis and mean analysis are used.