The potentials of internalising social banking among the Malaysian Islamic banks

Islamic banking has established for the last 40 years, yet only recently researchers acknowledge social failures of Islamic banking and finance. This has led to a proposition of forming new forms of banking and non-banking institutions that include social banking. It is argued that in considering the developmentalist needs of the Muslim societies in Malaysia, there is a need to go back to fundamentals of Islamic finance in realising the aspirational Islamic moral economy that emphasises on the social good, capacity development at the individual and social levels. This paper aims to explore the concept of social banking and search for the possibilities for internalisation in Malaysian Islamic banking. To gain understanding on this pertinent issue, an empirical investigation was conducted at 17 Islamic banks in Malaysia. A mixed method was employed. For the primary data collection, 477 respondents of Islamic banks clients and employees participated in a self-administrated survey, and 11 respondents from the executive and managerial level of eight Islamic banks involved in a semi-structured interview survey. The integrated analysis implies that Islamic banking significantly contributes to socio-economic development. On the contrary, financial and economic practices in everyday life do not reflect the social economic justice. The result further illustrates that the Islamic banks lack social contributions as they prone to practice efficiency-oriented institutions. Hence, a social banking model is needed to solve the lack of socio-economic development issue in the current practice of Islamic bank.     

Environmental forensic investigation of the air pollution from a cement manufacturing unit

Abstract

Cement manufacturing is a process that results in the emission of significant quantities of suspended particulate matter (SPM) to the ambient air. An environmental forensic investigation was carried out in the surroundings of a major cement manufacturing unit at a place called Coimbatore in the southern Indian state of Tamil Nadu. The investigation was carried out to identify the contribution of the cement manufacturing unit to the SPM concentration of the surrounding air environment. The sampling points’ selection and sample collection were done following the principles outlined in the INTERPOL Manual for Pollution Crime Forensic Investigation. On-site monitoring of the air samples was carried out using Mini Laser Aerosol Spectrometer (GRIMM, Mini-LAS Model 11R). The instrument was capable of measuring particles ranging from 0.25 to 32 µm and classifying them into 31 size channels. The test results at majority of the monitoring locations were well above the limits specified in the National Ambient Air Quality Standards of India. Microscopic studies of the dust samples were carried out for surface texture and particle shape. The spatial distribution of particles was analysed using geographic information system (GIS) for the visual identification of the extent of the pollution by keeping the cement factory as the focal point. The results from the GIS and microscopic analysis established the role of the cement factory in the particulate matter pollution of its surroundings, specifically in the areas North-West of the factory. The successfully adopted procedure can serve as a guideline for the environmental forensic investigation of similar pollution incidences.     

Sisal/Carbon Fibre Reinforced Hybrid Composites: Tensile, Flexural and Chemical Resistance Properties

The variation of mechanical properties such as tensile and flexural properties of randomly oriented unsaturated polyester based sisal/carbon fibre reinforced hybrid composites with different fibre weight ratios have been studied. The chemical resistance test of these hybrid composites to various solvents, acids and alkalies were studied. The effect of NaOH treatment of sisal fibres on the tensile, flexural and chemical resistance properties of these sisal/carbon hybrid composites has also been studied. The hybrid composites showed an increase in tensile and flexural properties with increase in the carbon fibre loading. The tensile properties and flexural properties of these hybrid composites have been found to be higher than that of the matrix. Significant improvement in tensile properties and flexural properties of the sisal/carbon hybrid composites has been observed by alkali treatment. The chemical resistance test results showed that these untreated and alkali treated hybrid composites are résistance to all chemicals except carbon tetra chloride. Hand lay-up technique was used for making the composites and tests are carried out by using ASTM methods.     

Molecular characterization of conjugative plasmids in pesticide tolerant and multi-resistant bacterial isolates from contaminated alluvial soil

A total of 35 bacteria from contaminated soil (cultivated fields) near pesticide industry from Chinhat, Lucknow, (India) were isolated and tested for their tolerance/resistance to pesticides, heavy metals and antibiotics. Bacterial isolates were identified by 16S rDNA sequencing. Gas Chromatography analysis of the soil samples revealed the presence of lindane at a concentration of 547 ng g⁻¹ and α-endosulfan and β-endosulfan of 422 ng g⁻¹ and 421 ng g⁻¹ respectively. Atomic Absorption Spectrophotometry analysis of the test sample was done and Cr, Zn, Ni, Fe, Cu and Cd were detected at concentrations of 36.2, 42.5, 43.2, 241, 13.3 and 11.20 mg kg⁻¹ respectively. Minimum inhibitory concentrations of all the isolates were determined for pesticides and heavy metals. All the multi-resistant/tolerant bacterial isolates were also tested for the presence of incompatibility (Inc) group IncP, IncN, IncW, IncQ plasmids and for rolling circle plasmids of the pMV158-family by PCR. Total community DNA was extracted from pesticide contaminated soil. PCR amplification of the bacterial isolates and soil DNA revealed the presence of IncP-specific sequences (trfA2 and oriT) which was confirmed by dot blot hybridization with RP4-derived DIG-labelled probes. Plasmids belonging to IncN, IncW and IncQ group were neither detected in the bacterial isolates nor in total soil DNA. The presence of conjugative or mobilizable IncP plasmids in the isolates indicate that these bacteria have gene transfer capacity with implications for dissemination of heavy metal and antibiotic resistance genes. We propose that IncP plasmids are mainly responsible for the spread of multi-resistant bacteria in the contaminated soils.     

Hybrid Composites Made from Oil Palm Empty Fruit Bunches/Jute Fibres: Water Absorption,Thickness Swelling and Density Behaviours

In this research, hybrid composite materials were prepared from combination of oil palm Empty fruit bunches (EFB) fibre and jute fibre as reinforcement, epoxy as polymer matrix. This study intended to investigate the effect of jute fiber hybridization and different layering pattern on the physical properties of oil palm EFB-Epoxy composites. Water absorption and thickness swelling test reveal that hybrid composite shows a moderate water absorption which is 11.20% for hybrid EFB/Jute/EFB composite and 6.08% for hybrid Jute/EFB/Jute composite. The thickness swelling and water absorption of the hybrid composites slightly increased as the layering pattern of hybrid composites changed. Hybrid composites are more water resistance and dimensional stable compare to the pure EFB composites. This is attributed to the more hydrophilic nature of EFB composites. Hybridization of oil palm EFB composites with jute fibres can improve the dimensional stability and density of pure EFB and Jute fibre reinforced composites has higher density of 1.2 g/cm³ compared to all other composites.     

Preparation and Fundamental Characterization of Cellulose Nanocrystal from Oil Palm Fronds Biomass

The objective of this work was to isolate cellulose nanocrystal (CNC) from oil palm fronds (Elaeis guineensis) and its subsequent characterization. Isolation involves sodium hydroxide/anthraquinone pulping with mechanical refining followed by total chlorine free bleaching (includes oxygen delignification, hydrogen peroxide oxidation and peracetic acid treatment) before acid hydrolysis. Bleaching significantly decreased kappa number and increased α-cellulose percentage of fibers as confirmed by Technical Association of the Pulp and Paper Industry standards. Transmission electron microscopy (TEM), X-ray diffraction, Fourier transform infrared spectroscopy and thermogravimetric analysis revealed that acid hydrolysis along with bleaching improved crystallinity index and thermal stability of the extracted nanocrystals. It was observed that CNC maintained its cellulose 1 polymorph despite hydrolysis treatment. Mean diameter as observed by TEM and average fiber aspect ratio of obtained CNC was 7.44 ± 0.17 nm and 16.53 ± 3.52, respectively making it suitable as a reinforcing material for nanocomposite.     

Environmentally compatible energy resource production—consumption pattern (case study: Iran)

Like all rapidly developing countries, the government of Iran (GOI) has to integrate environment priorities into its energy sector. In order to integrate environmental concerns into energy sector, an Energy-Environment Review (EER) may be considered as the mainstreaming tool capable of examining the interface between energy and the environment. The results of the EER should be interpreted, in the light of the objective of the 4th Five Year Development Plan in Iran, to achieve fast and sustainable growth and accelerate the transition to a market economy. In particular, the suggested actions will promote economic efficiency use of energy resources through a proper allocation of scarce resources, including environmental resources, so as to achieve economic efficiency and environmental and social protection. This paper comprises: (A) an analysis of the current situation with regards to energy production and consumption; (B) an evaluation of the growth prospects with regard to energy production and consumption; (C) the identification of environmental issues induced by the generation and use of energy and estimation of the associated costs of damages; (D) the evaluation of the extent of contribution to the climate-change phenomenon through emission of greenhouse gases; (E) the evaluation of the proposed mitigation measures for the previously identified environmental problems; and (F) conclusions and recommendations. The EER-Iran assessed the total health damage from air pollution in 2001 at about 56  ×  10¹² Rials (US $ seven billion); equivalent to 8.4% of nominal GDP. In the absence of the price reform and control policies, the EER-Iran estimated that the damage in Iran in the money of 2001, will grow to 155  ×  10¹² Rials (US $ nine billion) by 2019. This is equivalent to 10.9% of nominal GDP, i.e., a large percentage of a larger GDP. Of this total, 107  ×  10¹² Rials (US $ 8.4 billion) come from transport sector. The damage cost to the global environment from the flaring of natural gas, assessed on the basis of a carbon price of US $ 10/ton CO₂, is found to be approximately US $ 600 million per year. Readers should send their comments on this paper to: BhaskarNath@aol.com within 3 months of publication of this issue.     

Proposing of new building scheme and composite towards global warming mitigation for Malaysia

The building sector has been regarded as a potential sector where there is large capacity to reduce the climate change effect. This study has proposed solutions to mitigate environmental impacts and achieve low CO₂ emission from residential sector. Therefore, full life cycle assessment (LCA) has been run to assess the CO₂ emission and its effect on the atmosphere and climate change. Based on the result, timber scheme is the best choice due to releasing less CO₂ emissions to the atmosphere. However, house builders in Malaysia have almost completely neglected timber as a building material, with timber use as building components reduced to 5%. In this study, LCA Software was used to assess CO₂ emissions from different wall construction. The alternative building scheme has been made by reinforce steel stud, wooden beam and timber wall (S8) to improve the scheme deficiency while releasing less CO₂ emissions compared to other schemes. Therefore, S8 has a decreased CO₂ effect by 85% less than precast concrete frame and 90% less than brick over their lifetime. (S8) increased the load bearing compared to conventional timber beam. Thus, new scheme S8 could be replaced by current scheme and promote more adjustable scheme for Malaysian housing.     

Anti-oviposition activities of used sock media against a dengue vector: prospects of eco-friendly control and solutions to pollution

Yearly, huge amounts of sock refuse are discarded into the environment. Socks contain many molecules, and worn ones, which are rich in smell-causing bacteria, have a strong influence on animals’ behaviors. But the impacts of sock odor on the oviposition behavior of dengue vectors are unknown. We assessed whether Aedes albopictus changes its oviposition activity in response to the presence of used socks extract (USEx) in potential breeding grounds, using choice and no-choice bioassays (NCB). When furnished even chances to oviposit in two sites holding USEx and two others containing water (control), Ae. albopictus deposited significantly less eggs in USEx than in water sites. A similar pattern of oviposition preference was also observed when there were more oviposition options in water. When there were greater oviposition opportunities in USEx sites, Ae. albopictus oviposited preferentially in water. Females laid significantly more eggs during the NCB involving water than USEx. Also, significantly more mature eggs were retained by females in the NCB with USEx than in that with water. These observations strongly suggest the presence of molecules with either repellent or deterrent activities against Ae. albopictus females and provide an impetus to advocate the integration of used socks in dengue control programs. Such applications could be a realistic end-of-life recourse to reroute this waste from landfills.