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The Relationship Between Islamic Microfinance and Women Entrepreneurship: A Case Study in Malaysia
Md Amirul ISLAM,Seethaletchumy THAMBIAH,Elsadig Musa AHMED 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.5
This article aims to examine the intention to use Islamic microfinance by women entrepreneurs in Malaysia. Microfinance plays a significant role in developing the modern economy in the world by alleviating poverty, creating employment, and empowering women in society. The framework was built on Innovation and Diffusion Theory and Planned Behaviour Theory. The present study has adopted a quantitative research method, which focused on cross-sectional research design to address this problem. Primary data was collected and processed by using a 5-point Likert scale. For this research, a total of 178 questionnaires were distributed among women owners of micro-enterprises in Malaysia by using area collection sampling. To analyze the data, the SmartPLS 3 software package was used. This study developed seven hypotheses, all which have been supported both directly, indirectly, and mediated. This result will be beneficial in assisting policymakers, academics and future researchers who must consider the supported variables. Thus, the study contributes to developing a unique framework to assist women-owned micro-enterprise to success. It will be beneficial for practitioners to enhance women micro-enterprise success rate as well. Indeed, all of the grounded methods have implications both in theory and their main application for the business in SMEs.
Do Women's Attitudes Matter in Acceptance of Islamic Microfinance? Evidence from Malaysia
Md Amirul ISLAM,Muhammad Salah Uddin,Seethaletchumy THAMBIAH,Elsadig Musa Ahmed,Md Abdur Rauf 대외경제정책연구원 2023 East Asian Economic Review Vol.27 No.1
The study aims to investigate the factors pursuing the women entrepreneurs to accept Islamic microfinance (IMF) in urban and rural areas of Malaysia. For this purpose, the study applies the Theory of Planned Behavior (TPB) and Innovation and Diffusion Theory to explain Islamic microfinance adoption. Using the structural equation model (SEM) with primary data collected from 384-woman entrepreneurs in Malaysia, the current study uses a 5-point Likert scale. On the basis of theory and collected data, the seven hypotheses are developed. All hypotheses are validated by both directly and indirectly, as well as through a mediating factor. Among the factors, knowledge about IMF and subjective norms significantly influence the acceptance of IMF. On the other hand, the perceived complexity does not show any substantial relationship to the acceptance of IMF. This outcome will be helpful in supporting policymakers, academics, and future studies and must take into account the supported factors. Therefore, the study contributes to develop an innovative framework, to create self-employment for women entrepreneurs.
( Shafi Noor Islam ),( Nabi Noor Islam ),( Amirul Islam Sada ) 한국정책학회 2019 International Journal of Policy Studies Vol.10 No.1
The rural area of Bangladesh is gifted with vast natural resources, deltaic flat and rural ecological environment which is impending for communities’ survival. Rural landuse changes which have been extended a greater impact on culture, society and local economy. Over 65 % villagers are directly dependent on rural resources. The countryside natural resources are enormously important for socio-economic enhancement. Kalabadha is one of the villages of Jamalpur district in Bangladesh whose landuse pattern is continuously altering. The rural villages are tremendously changed due to rural development policy applications. Within this policy the rural urban migration, push pull factors, rural women micro entrepreneurship development and diversification of rural economic activities are remodeling the village character. As a result Kalabadha village is losing its geomorphological characters, but the socio- economic enhancement is getting speedily. The dwellers have improved their socio-economic status through application of livelihood framework with seven livelihood assets. The study seeks the rural landuse, landscape protection within a planning policy approach to ensure livelihoods sustainability as well as rural development of Kalabadha village of Jamalpur district besides other villages in Bangladesh.
A multifunctional bio-agent for extraction of aged bitumen from siliceous surfaces
Saba Shariati,Amirul Islam Rajib,Elham H. Fini 한국공업화학회 2021 Journal of Industrial and Engineering Chemistry Vol.104 No.-
This paper reveals the working mechanisms of a hybrid bio-oil (HY) which plays as a multifunctionalagent by desorbing bitumen molecules from siliceous surfaces and peptizing them within the bitumencolloidal structure. This in turn counteracts some of the negative effects of bitumen’s aging. Recently,it was found that aging increases associated interfacial bonds at the bitumen-stone interface and promotesself-association of bitumen molecules. These negatively affects bitumen extraction from siliceoussubstrates, such as shale, and bitumen recycling from aged roads, airports, bridge decks, and roofs toname a few. Abovementioned extraction and recycling involve detachment of molecules of aged bitumenfrom stone aggregates and adequately peptizing them within the bitumen matrix. Here, we used molecularmodeling and laboratory experiments to elucidate how HY facilitates the detachment and subsequentpeptizing of bitumen molecules while ensures the durability. Our modeling showed that HY hastwo important properties: HY is a strong peptizing agent due to its interactions with molecules in agedbitumen; and HY supersedes molecules of bitumen for adsorption to siliceous surface due to HY’s higheraffinity toward silica active sites. According to our results, heterocyclic HY molecules (1-butyl-Piperidineand N-methyl-2-Pyrrolidone) lead by neutralizing the polar interactions between oxidized bitumen andsilica, thus providing an opportunity for other HY molecules to intercalate into the interface and replacethe oxidized bitumen on silica. Thus, HY makes a promising rejuvenator, which can revitalize aged bitumenby simultaneously desorbing and peptizing aged bitumen molecules. HY’s preferential adsorption tosilica combined with its high resistance to be replaced by water further helps improve the resistance ofrevitalized bitumen to moisture-induced damages, evidenced in our experiment. Therefore, HY can be apromising multifunctional bio-agent for extraction and recycling of bitumen to promote environmentalsustainability and resource conservation.
Ankita Singh,Amirul Islam Mallick 한국미생물학회 2019 The journal of microbiology Vol.57 No.4
Among the major enteric pathogens, Campylobacter jejuni is considered an important source of diarrheal illness in humans. In contrast to the acute gastroenteritis in humans, C. jejuni exhibits prolonged cecal colonization at a high level with little or no pathology in chickens. Although several known virulence determinants of C. jejuni have been found to be associated with a higher degree of pathogenesis in humans, to date, little is known about their functions in the persistent colonization of chickens. The present study was undertaken to assess the role of C. jejuni in imparting differential host immune responses in human and chicken cells. Based on the abundance of major genes encoding virulence factors (GEVFs), we used a particular isolate that harbors the cadF, flaA, peb1, racR, ciaB, cdtB, and hcp genes. This study showed that hypervirulent C. jejuni isolate that encodes a functional type VI secretion system (T6SS) has a greater ability to invade and create characteristic “attaching and effacing” lesions in human INT407 compared to primary chicken embryo intestinal cells (CEICs). Furthermore, we demonstrated that the higher bacterial invasion in human INT407 triggered higher levels of expression of major proinflammatory cytokines, such as IL- 1β and IL-6, and significant downregulation of IL-17A gene expression (P ≤ 0.05). The findings of the present study suggest that the enhanced ability of C. jejuni to invade human cells is tightly regulated by proinflammatory cytokines in the gut and possibly holds the keys to the observed differences in pathogenesis between human and chicken cells.