abstract:the general perception of islamic finance is that it prohibits the practice of paying and receiving interest, but islamicfinance is much broader than interest rate prohibition. islamic financial services can be viewed as a set of financialservices which are diversified based on the needs of society.since in the iranian economy most of the enterprises are micro and/or small, micro finan...

a micro-channel heat exchanger reactor with different micro-baffle shapes has been studied numerically. governing equations were solved base on the finite volume method with fluent software. in upper section, oxidation reaction of methanol was occurred and in lower section, steam reforming of methanol was done. two sections were separated with solid part which played as heat exchanger and trans...

Modern projectors offer sufficient light intensity, contrast and resolution to perform highly accurate 3D measurements on a large variety of surfaces by projecting coded patterns observed by cameras. Yet, for mobile measurement systems or inspections of specimen which are hard to reach, common projecting devices are often too heavy and too bulky. Recently, a new projection technology has emerge...

The functional activities of serum samples from human infants immunized with a glycoconjugate vaccine for Neisseria meningitidis serogroup C were assessed in a complement-mediated antibody-dependent serum bactericidal assay (SBA) and in a neonate rat model of protection from bacteremia. Selective serum samples from individual human infants were combined to make a panel of 11 serum pools to obta...

We describe and analyse the portfolio structure of Dutch households using micro panel data from the CentER Savings Survey, 1993-1998. The data allows for a distinction between many types of assets. Moreover, we have information on mortgage debt, consumer debt, etc. We analyse the composition of household portfolios and the level of portfolio diversification, and its relation to age, birth cohor...

This paper presents the designing of a low powered (25-30 watts), portable and cost effective solar micro-inverter wherein the single solar panel is able to run the AC loads along with DC loads. The system consists of a solar panel, DC-DC push-pull converter, DC-AC inverter, LC filter and the test loads. The solar cell powers DC-DC push pull converter which boosts the input DC voltage into the ...

Chemical strengthening of aluminosilicate glasses through K+–Na+ ion exchange has attracted tremendous attentions because of the accelerating demand for high strength and damage resistance glasses. However, a paramount challenge still exists to fabricate glasses with a higher strength and greater depth of ion-exchange layer (DOL). Herein, aluminosilicate glasses with different contents of P2O5 ...

Micro-X-ray diffraction (Micro-XRD) offers many opportunities for non-destructive, in situ crystalline phase composition analysis of varied artworks. This paper discusses the application of this technique to paintings. Painting surfaces and cross-sections can be examined to characterise pigments and provide additional information complementary to existing investigative analyses, which often rel...

All micro studies of demand are based on using time series cross sectional data. Because in such data each household is only observed once, it is only under strong identifying restrictions that one can interpret the coefficients on consumer behavior. For example, if tastes are correlated with income, the usual estimates of income elasticities from cross sectional data are biased. In contrast, p...

This paper considers selection of the suitable simulation model for solar panels [1]. Two models for silicon polycrystalline photovoltaic solar cells [2], [3] were analysed. The selection is made by comparing the Power vs. Voltage and Current vs. Voltage curves obtained from the simulation to those obtained experimentally. The goal is to identify if a simulation model gives correct information ...