Monthly Archives:

March 2021


Islamic Banking And Finance

March 29, 2021

This course provides rigorous training in the theory and practice of conventional financial services management and strategy; specialized modules in Islamic banking and finance provide a particular focus on the theoretical foundations, products, performance, financial instruments, and risk management issues of what is now the preferred form of banking for 1/5 of the world’s population.

Admission requirements

Entry to the MBA in the Islamic banking and finance program requires a 2 (ii) university degree in a relevant subject, for example, economics, finance, accounting, administration from a university or a similar qualification from any other institution. A lower or higher second-class Honors degree, or equivalent overseas qualification and qualification, is required. Alternatively, possession of an appropriate professional qualification and relevant practical experience can also be accepted. For MBA degrees, while work experience is desirable, it is not essential.

Why study at Widad university?

Gold classified teaching

Widad University has achieved a gold award, the highest possible rating, in the national teaching excellence framework (TEF). The TEF valuation considered the quality of teaching, the environment of learning, and student consequences and learning gain. 

Wide range of courses.

Hundreds of courses are there in the arts and sciences. Widad pride themselves on the quality of their teaching and courses and teachers have been rated in the top 10 in the country.

World-class teaching and research

Study at a world-class university, recognized for the quality of teaching and research. Widad university is in the Malaysia’s top 40 for research according to the 2014 research excellence framework.

Work experience and internships

There are variety of options for acquiring valuable employability skills, including supporting you with your desired internships and internships.

How does Islamic banking work?

When speaking of Islamic banking, what catches the interlocutor’s attention in the first place is precisely the prohibition of interest. But Islamic finance is much more than that. The sector has knowledgeable substantial growth in new times. Its principles based on ethics and its attractive financial instruments have positioned it as a possible alternative to traditional banking.

Principles on which Islamic banking is based

Islam has its own paradigm of economic relations based on rules derived from sharia. The sharia specifies, among other things, the rules for the allocation of resources, property rights, production and consumption, the functioning of markets and the distribution of wealth. Likewise, it also stipulates the necessities that describe the framework in which the financial and banking system can function. The core of this framework is that, as a mechanism for the allocation of financial resources, the interest rate is replaced by a rate of return on actual activities.

Read here for more articles.…


Curing in Concrete

March 28, 2021

Curing is a process whereby concrete formed with hydraulic cement matures and hardens over time, as a result of continued hydration of the cement in the presence of sufficient amounts of water or heat.

The purpose of curing is to promote the hydration of the cement avoiding the loss of moisture and keeping the temperature in a suitable range for the concrete to develop the strength and durability properties for which it was designed.

In addition, great care must be taken to cure all exposed surfaces, not just the one on top of the concrete slab, immediately after finishing operations are complete.

If in a given case the environmental conditions are very adverse (temperature, low humidity, wind, sun, concrete temperature) then the constructor of the work should assess the application of the curing agent after leveling to prevent cracking due to loss of moisture.

Two types of curing can be named for concrete pavements:

The moisture – curing , either by water spraying or coating of the slab with a material that will damp consecutively, and methods moisture barrier, which do not add water but prevent the passage of moisture of the mixture to the outside through the use of plastic covers or membrane-forming chemical compounds.

When using membrane-forming chemical compounds, it is recommended that they be white, this helps to reduce heat absorption while providing a better visualization of the treated area.

The curing can also be done manually or automatically depending on the logistics of the work. If it is decided to cure with water, the contractor must be aware that the slab will have to be damp, if the concrete is allowed to dry and then rewet, then it is exposing the slab to possible thermal shocks that can create cracks.


Curing procedures are grouped into 3 categories …

Those that keep the mixing water present in the initial hardening periods.

Those that avoid or reduce the loss of water by interposing an impermeable medium that controls evaporation.

Those that accelerate the development of strength by artificial stearic acid Malaysia application of heat and additional moisture to concrete.

Do not use curing compounds on surfaces that will receive additional concrete, paint or mosaic, unless it is stated that the membrane can be removed or serves as a base for an upcoming application.

You can click here for more content.…


Dangers of Gambling

March 22, 2021

People perceive gambling addiction to be less harmful because it is not a drug or an alcoholic beverage. However, the fact is that gambling by playing games such as slot casino malaysia will devastate a person’s life. Overdosing does not cause suicide, but it does cause significant harm to people’s well-being and anything associated to them.

We’ve seen firsthand the destruction that gambling can cause. A member of our family battled a gambling addiction. This addiction had a negative effect on many facets of their lives, but one of the most important was their financial condition. From digging a deep hole in debt to stealing cash, there’s a lot you could do. Our family member’s life was so severely impacted by gambling that they are now struggling to rebound from the repercussions.

Because of our own experience of gambling addiction, I decided to raise consciousness about the disorder and the complications that come with it.


  1. Being tight-lipped about gambling – People who have a gambling problem tend to conceal it from others at all times. As a result, they would deceive their families and friends.
  2. Running after losses – Gamblers sometimes blame their defeats on chance. And in order to recoup their losses, they become engrossed in the game. The pit gets deeper as they pursue their losses.
  3. Betting more funds -Gamblers get a surge of dopamine from gambling. Gamblers who are addicted borrow more money in order to get the thrill they want. However, the more they gamble, the more likely they are to lose.
  4. Borrowing dollars – Gambling addicts still find a way to settle their bills, no matter what. They can also borrow money to cover their loans because the compulsion is too intense.
  5. Not able to stop gambling – Despite being aware of the dangers of compulsive gambling, they are unable to control their desire to play.
  6. Gambling to distract – People get addicted to gambling as they use it to relieve themselves from their troubles and tension. For them, it’s more than just movies. It’s as if it’s a way out of their issues.
  7. Performing fraud – To keep cheating, problem gamblers use lies and deceit. To fund their addiction, they engage in criminal activity and misdeeds. 
  8. Getting irritated – When substance abusers or alcoholics are prevented from using drugs or drinking alcohol, they become irritable. Gambling addicts are on the same boat. When they are unable to gamble, they get anxious and irritable.


  1. Financial crisis – The first and most noticeable impact of gambling is on one’s finances. Gamblers would spend all of their savings in order to keep playing, resulting in a financial crash. Addicts also sacrifice or abandon their careers in order to satisfy their gambling addiction. As a result, they are obstructing their primary source of revenue.
  2. Troubled relationships – When gambling becomes an epidemic, not only do investments struggle, but so do relationships. The primary link that ties people together is trust. When people lie about gambling to their families and friends, trust is lost and relationships are severely harmed.   
  3. Health hazards – Gambling addicts are under a great deal of tension. They are concerned about the lies they have said and the financial trap they have dug for themselves. High blood pressure, psychiatric illnesses, insomnia, cardiac attacks, and other ailments may be caused by prolonged high stress. For facts about e-sports betting, click here.

Exceptional Options With The Best Condo In klang

March 13, 2021

When buying a high-end property it is important to be prepared to be very patient – making hasty decisions is highly inadvisable, especially if a large financial expense is involved. If you are particularly struck by a house, rather than embark on a reckless purchase, it is better to think about the reasons why this house has struck us, so as to have more and more clear what we are looking for. It is also essential not to be afraid of missing an opportunity: the market for luxury homes is large and expanding, and the dream condo in Klang is just waiting for the right owner.

Opt for a high resale value

It is a rule that applies to any purchase, but even more so when it comes to extra-luxury properties: always make sure that the amount spent on the house is easily recoverable in case of need. Location and renovation conditions, for example, are two factors that strongly determine the value of a property: buying a home in a unique location is the key to ensuring that its value always remains high.

Do not overdo it

It is understandable to wish for a home worthy of the achievements, but it is necessary to avoid that this short-term goal has a negative impact on the long-term ones. We therefore recommend a preliminary assessment with your accountant to determine how the purchase will affect taxes and what will be the most suitable payment method for your finances.

Sounds reasonable, right? Yet there are many people who would like to move but are not fully convinced. Agencies go around to “look at what the market offers ” and “are in no hurry to buy”.

The reason?

As an old saying goes: ” Whoever leaves the old house for the new one, knows which house he is leaving but does not know what he finds ” (yes I know that it is revisited in a real estate key, pass it to me for good). In your current home you have all things in their place. You know what the neighbors are like. You know the neighborhood well and your children have their friends.

Find a real estate consultant

Once you have truly decided to buy new house for sale in Klang, the next step is to find a Real Estate Consultant. No. The next step is not to search for your future home on “specialized” sites and “real estate portals”. And it’s not even going into every real estate agency and asking if they have homes to sell (unless you want to get trapped in a whirlwind of scheduled appointments to see homes that aren’t right for you).

For more articles, visit this website. …


What You Need to Understand about KLCC property Sale

March 13, 2021

Have you always wanted a condo in the mountains or at sea, but the prices far exceed your budget? Think of alternatives: localities or areas that are developing now and that have tourist and economic potential. Instead of a seaside house, you can buy a condo near KLCC or a KLCC apartment for rent, for example.

Don’t be afraid of compromises

Even if you have some very well-established criteria, think in advance which of them you can give up and which you can’t. It is almost impossible to find a house that fulfils them completely.

He knows the market well

It is important to make short documentation and find out the prices before you start watching. This way you will avoid opportunists.

Talk to a trusted real estate agent

A specialist who knows the market well can help you find something convenient in your budget.

Consider the additional costs 

The loan that the bank grants you will cover the cost of the house, but you must also consider the other costs with the notary, compulsory insurance, etc.

Don’t go for big changes

If you want to move immediately, look for a house to live in. Although it seems easy to make the changes you want, evaluate how this will affect your budget.

Don’t be afraid to ask questions

Ask the owner if the apartment or house you want to buy has certain problems that you need to know.

Put your finances in order

If you want to access a real estate loan to buy a house, you will have to keep your finances up to date when you go to a bank. Whether you take out a real estate loan or use your personal savings to buy a home, the investment is substantial. Browse the list of criteria and make sure that the home you want to buy meets the most important ones.

When you are looking for a home, everything can seem overwhelming at first. The process can have many unknowns, and useful tips are hard to find. Especially for young people who are looking for their first home, it is important to have some tips on buying a first home or apartment.

This buying decision is important because it relates to all aspects of life, both to one’s inclinations and preferences, to one’s lifestyle, to one’s professional side, and to one’s financial planning. Many times young people make this buying decision together, so it is important to get some advice.

Head on to our website for more articles.…


What You can Do to Save for Your Future House

March 12, 2021

If you want something so much, you tend to really work for it, right? This is just the same when you want to buy a ampang hilir condo for rent in the future, so you won’t have to rent anymore. You want to provide a house for your family to secure their future. 

One of the best ways to do this is to save. Yes, and when you say save, it means even those little things. How to do that? Here are some really effective means:

  • Have you set a budget already? If not yet, it’s high time you should and when you are done with it, you should still review it once a month to see if you are on the right track. Sometimes, all we do is make a budget, but we don’t really care if the set budget is followed. 
  • Another way to make sure that you can keep your budget is to track your spending. You can do it manually or you can use some apps. You can easily find one online. You can even find a mobile app for that matter. This way, you will be able to see if there are expenses that could have been omitted. 
  • Sometimes, it is hard to save money just for the heck of it and a property is such a long-term goal. You can create some goals that you need to accomplish in a weekly or monthly basis like for example, if you will make a goal that you should save a certain amount every week. This should make saving more interesting and a challenge at the same time. 
  • And the last but not the least is to take this as a challenge you should overcome. You should not give this challenge as this is like finding a pot of gold at the end of the rainbow. 

Are you from Malaysia? Do you have a property in mind already? Real estate is without a doubt booming in this country and thus if you are looking for a property to buy here, you should easily find one. 

That is right and in fact, I suggest you check Ampang hilir and Bangsar South first as they have great yet affordable properties. The mentioned places might not be the capital city, but they have so many opportunities as well. So, if the property you plan to buy is for business, it should flourish in any of these areas. 

You can find more content here.


Perfect Bukit jelutong house for sale Just The Way You Need

March 12, 2021

With the regime of the community reduced to acquests, the property acquired during the marriage is all common, excluding donation or inheritance.

Buy under the universal community regime for better equity

The universal community regime is an extension of the community reduced to acquests since this contract implies that all property is common to both spouses and belongs to them equally, whether they were acquired before or during the marriage. This is particularly the case with real estate that they acquire jointly: whatever the contribution of each of the spouses, the property belongs to both equally. It is also the plan that offers the best protection to spouses, especially in the event of death. Indeed, when one of the spouses dies, the inheritance is not opened, and all the property goes to the surviving spouse without any inheritance tax to settle. Go for the Bukit Jelutong house for sale or maybe Puteri Puchong condo for sale in this case.

Investing in a home that has worked can be a good deal, provided you correctly assess the amount of the renovation. 

Buying a home with work, a good deal?

Buying a home with work allows you to buy less expensive, but it is about having the time and being able to coordinate everything during the work.

It is obvious that a house or an apartment requiring work has a lower price than an equivalent property that does not require work. The price is supposed to present a discount equivalent to the amount of the work to be done, but it can be higher, in particular, because the goods requiring work find buyers less quickly, and sellers generally do not hesitate to lower the price, likewise, the margin for negotiation is generally greater. Buying a property with work can therefore be interesting from a financial point of view, provided you are fully aware of the extent and price of the work to be done.

In addition to the cost of the work, consider evaluating the cost of a possible relocation during the duration of the work, the move, the furnishings.

Correctly estimate the amount of work

You can easily find your way financially by doing work on a property to renovate, as the purchase price is lower and is generally negotiable, and the amount of the work can also be partly negotiated. On the other hand, it is imperative that you bring in several professionals before buying the accommodation, so that they can make an estimate.

For more, visit this website.


Housewarming gifts you can get someone

March 10, 2021

When you’re buying a new home, you’re pretty much in the red and you don’t have any furniture. Maybe your parents and siblings will buy you a piece of two to ensure your home is not bare empty and that you’ll have something to sleep on at night. Now that you’re buying a house warming a gift to someone, and you’re thinking what does someone need as a housewarming gift? It’s a confusing exchange and you would definitely want to give something more meaningful than overpriced flowers.  There’s a list of things you can get the person who’s moving into their new home and here is our list of some housewarming gifts you can get someone.

Parents Visiting Hispanic Daughter In New Home

The first thing you can get a new homeowner is a mini fridge. When they are starting out, they wouldn’t have much in their home besides a table and maybe some couches but be a good pal and get them a mini fridge. Some people would not have even thought of needing a fridge in the midst of buying a home. This way now they can have at least a way to preserve their food. If they already have one you can get them a wine cooler to cool their beverages and sometimes their food. They can also cool their wines and spirits if they are interested in drinking them.

Next, you can get the new homeowner paintings or framed art of some sort. Buying a home, doesn’t come with the interior design art in it. You can get some recommended by an interior design company in Malaysia. There you can find great mock pieces or any prints that can be sold. Some put no significance on art but the reality is art pieces have a great value and they make your home look  better than they appear.

Next you can also get the new homeowner a plant subscription box. Subscription boxes are everywhere these days and by giving your homeowner a subscription box, they’ll be able to add plants into their home. After down payments and putting on a closing payment on their home, they probably are broke or have lesser liquidity. You can give them a lending hand by giving them plants that they can’t afford to spend. This will make their home po in colour and it will also grow in time to trees to which they can enjoy in a few years.

Finally, when there’s a new homeowner, what they lack is plates and mugs. You can get the new homeowner some plates and cups as a gift. They will be grateful because in the housewarming party, it’s a possibility that most of you are eating out of plastic or paper plates. By doing so, they’ll be more inclined to having more guests around in the future. They also don’t have to fork out extra cash in the future for dining sets.

Now that you have a comprehensive list of what a homeowner needs, we hope you take our advice and give gifts that matter. Your gifts don’t have to be overpriced but they should matter as buying a home is a milestone. 

For more articles like this, visit this website.


Facts About The Maldives You Did Not Know Before

March 9, 2021

The Maldives is a beautiful tourist destination. It has been named under seven wonders of the world, and the locals of the country truly take pride in the beauty of the country. The Maldives, officially known as the Republic of Maldives situates in the Indian Ocean. It is neighboring countries such as India and Srilanka. The country lies about 700 km away from the Asian continent’s mainland. 

The Maldives is known and beloved by all, yet it is truly misunderstood by a lot of people. It is visited by celebrities, investors, and the best forex brokers in the world. Visiting a country is not the same thing as truly getting to know the country. Here are some facts about the most romantic country on earth. 

  1. The Maldives is an Islamic Country 

Islam is the state religion of Maldives, and adherence to it is legally required for citizens. Non-Muslims cannot become citizens of Maldives 

  1. They Have Their Own Language Called Dhivehi 

Maldivians have their own language called Dhivehi, belonging to the Indo-Aryan Language family. The language is a close descendent of Elu Prakrit and is closely related to Sinhalese but many other languages such as Arabic, French, and Urdu have influenced the language. 

  1. It is the Lowest And Flattest Nation In the World 

The Maldives is only 1.5 meters above sea level and that puts it in grave danger as a result of climate change. 

  1. The Maldives Once Had An Underwater Cabinet Meeting To raise awareness For Global Warming

As a symbolic cry for help from the rising situation of global warming, The president of Maldives along with ministers held an underwater cabinet meeting, which is one of the world’s first to be held. 

  1. Alcohol Is Forbidden In this Country (Except for on resorts, no worries)

Islamic countries normally don’t allow alcohol as it is forbidden. But resorts of course have a supply of alcohol for the tourists. 

  1. The Weekend In Maldives Is Friday And Saturday 

The weekdays for Maldivians are from Sunday to Thursday. Friday is the day of celebration and prayer in the country.  

  1. It Is A Democratic Country 

The country has a democratic system. They vote for their presidents and parliament and are given complete freedom of speech. 

  1. The Maldives Has 1190 Islands, Only 185 islands Occupied people

The Maldives consists of many small islands and people center themselves on specific islands of each atoll. There are around 26 atolls in the country. 

  1. The Population Is only Around 500,000

Incredibly shocking to most people. But the country has a small population and rarely anyone live below the poverty line. 

  1. Has the Record For Highest Divorce Rate In The World. 

Again, another shocking fact which is true for this romantic country. According to the UN, Maldives has the highest divorce rate with 10.97 divorces per 1,000 inhabitants per year.

The Maldives has a lot of interesting facts, legendary stories and rich history behind their country. The country is also said to be established by an exiled prince and there are many stories of the reigning queens and sultans of the country. It is both a fascinating and beautiful country. 

Like our content? Click here for more!


Ways You Can Get Information About Skincare

March 7, 2021

You know how much information we can access these days especially with the accessibility of the Internet, almost every kind of information we are able to retrieve as long as we have access to the Internet. Types of information including political issues, histories, tips and tricks, online games, and skincare. The practice of using the right skincare for any type of skin has been spread massively over all the platforms on the Internet. Every brand, company, and supplier makes sure to come up with useful content based on the products they are selling. Even so, not everyone knows which way to go if they would like to know about skincare. Hence, let us start.

The first way that you can get is always through websites. Websites have many kinds of articles that have been written for any of your concerns. Websites also have many kinds of brands that you can check out that directly sell their products that you straight away but after reading the reviews. Most customers like to go to websites as it is general and you find about any products based on the keywords you type on Google Search. But bear in mind that normally high-end products would come out first on your Google Search as they paid Google more in ranking and advertising their products. Thus, it is normal. For more info, click here.

The second way you can check out this kind of information is through social media. Social media has many types, including Instagram, Tiktok, Twitter and so much more. You should know as well that different social media have different ways of marketing and choosing content. For example, Instagram is more on the graphics and right wordings of marketing. While TikTok videos are mostly on daily routines, short explanations on relatable issues, that is how they can attract more engagements with their followers. Twitter is more of wording in the threads, they would usually construct their words properly and attract curiosity. If you are interested in having your social media personalized, try and check out online marketing social media Malaysia to see KL best social media and marketing in Malaysia or to learn more social media and marketing in Malaysia.

That is why it is important to have the Internet nowadays, it contributes a lot of useful information that we could not simply have anywhere else. Skincare is the same as the Internet to us nowadays. Do you know how stressful and disturbed we can get knowing our skin is not doing okay? Because in a way, our skin is showing how we are taking care of ourselves. Hence, us going out and being self-conscious about our current skin condition lower down our self-esteem and build up insecurities. There are many specialists that you can make appointments with. They would usually be more straightforward on what your skin really needs but normally it is more expensive because you are expected to pay for the consultation as well. Regardless, now that you know the ways to get more useful information, you can be able to make the right decision to purchase any product. 


Benefits In Getting Your Groceries Online

March 4, 2021

Nowadays, technological changes have made our life a lot easier if we were compared to our ancestors in all the past years, things were so much harder. Now, having technologies made our communication easier with our loved ones, gaining knowledge, and including online shopping. Online shopping these days has been getting a lot of attention from users. People now, like seeing the catalogs online, making purchases whenever they feel like doing it, and the only place you do it at shops that are on online platforms. There, you can buy shoes, clothes, makeup, something that is entirely not essential. But what we are going to discuss today is online groceries. You should know that online groceries have so many advantages you could get. 

The first benefit you can get out of buying your groceries online is the promotions. Do you realize every time you get into an online shopping application, it will show a pop-up of promotions and discounts? If you do not, you might as well check. Because these promotions and discounts are for us to use, and if we do not use them, I can say that we are missing out on the benefits. 

Furthermore, normally when you shop in an online shopping application, you would usually be required to create an account. This is for the company to keep track of their users and at the same time, when you purchase something, they will use all the details you have given when you register to deliver the things you have purchased. Not to forget, when you search up for anything in the online shopping application, they will keep track of whatever you are looking for and they will suggest the things that might be similar to the things you are looking for. Hence, by now it is good for you to purchase local vegetables online delivery malaysia.

Last but not least is that they will send all the stuff you purchased to your front door so you do not have to drive or walk to grocery stores and walk pushing trolleys, grabbing and touching stuff because you know with the current situation, we do not know what kind of germs or virus that we might take back. With online groceries, you are able to sit at home, eat, enjoying your Netflix, and choose your groceries through your phone and once the payment has been done, they will send your groceries to your home address or to whichever address you put. 

To conclude, you can see that the benefits are somewhat for us to enjoy. Of course, the brands or the companies would make a profit out of it but in the end, you choose what kind of way you prefer to enjoy it. Because no matter what, we are never going to stop purchasing groceries because it is considered essential and sometimes we do cook at home even if it is a lazy recipe. Now that you have all the reasons, you can share them with your family members and friends so everyone could save their time and energy. 


Pros And Cons Of Buying Property

March 2, 2021

If you’re in your twenties and looking for a job, you’re probably looking for a place to stay too, right? Now you’re thinking about whether you want to buy or just rent a property. Well, both buying or renting a property has its pros and cons. If you plan on staying with your family throughout your working life then this is not a problem. Plus, it’s not wrong to stay with your family. People sometimes look down on adults living with their family because they view it as you not becoming an adult and fending for yourself. But hey, there are so many benefits of staying with your family. You’d save a lot on costs and you’d have company throughout living there. So no, it is not bad to keep on living with your family be it with your parents or siblings. 

That is unless you have a bad relationship with your family and you just want to get away and live however you want since you’d be working and earning your own money. So, if you’re planning to move out, you have to set a budget first. If your budget isn’t that much, you could just rent a property and save money and eventually buy a property. However, if you have the budget to buy a property then why not go for it? You’d need to plan out your budget thoroughly and make sure you’re able to though. Before you make your decision, you should know the pros and cons:

Pro: Your Land, Your Choice

Buying your own property means you’d have pride of ownership. Pride of ownership is one of the best benefits of buying a property, be it an apartment, condo or a house. This means you can do whatever you want to your property because you are the owner of said property. You can paint the walls, you can install an operable glass wall with Hufcor Glasswall Specialist and even bring down walls if you want. Make renovations or decorate according to your own taste. Like I said, your land, your choice.

Pro: You Can Make Money

When you buy a property, it does not mean you have to live there. What I mean is, you could rent it out. Either rent out the rooms or the whole property. This way, you can earn back the money you’ve put into buying the property. This is called earning a passive income. You could charge maintenance fees or tax fees to your tenants too, within reason of course. Thus, within a couple of years, or months, you could already earn the money you’ve put into the property.

Con: You’re Practically Stuck

So, here’s the catch. If you’re not renting it out and you are living there, then it’d be a little bit harder for you to move around. For instance, you get a job offer that is better than your current job and you’d have to move, selling your property is hard. Especially if you’ve made permanent changes to the property. 

Con: It’d Probably Cost You A Lot Of Money

Remember what I said about renting out your property? Well, that doesn’t come cheap. Before you even rent it out, you’d have to furnish it and maybe make a few changes to the property and that will cost you a lot of money. Plus, throughout owning the property, you’d have to pay maintenance costs as well. 

For more articles like this, click here!