How To Quit Your Job Like a Boss – The Resignation Email That Will Make Everyone Love You On You Way Out. This post originally appeared here. When I resigned from a large consulting company after 4 years of working as a consultant, I sent out my farewell email at the end of the week. The next day, the CEO sent it out to the ENTIRE US Consulting Practice. I was a Senior Consultant. I didn’t save the company millions of dollars by inventing a new methodology or product. Here is a step-by-step resignation letter template for quitting your job. This guide will break down what is necessary to include when writing a resignation letter. The Perfect Revenge: How to Quit a Job & Resign. For a formal template and guide, you can download the job seeker toolkit for. Free resignation letters & information on how to quit your job for a better. Education Center; 401K Investing for Retirement. Iquit.org Email Updates. I wasn’t given any top performance awards or recognized as a global leader within a company. I can only guess it was because he saw something noteworthy of sharing. In short: I loved working there & it showed in my e- mail. There are good ways and bad ways to leave a job. This is not a good way: Below, is the way I did it – with a heart- felt letter. I’ll let it speak for itself.———(From CEO < name redacted> )Colleagues,I recently received a message from Robbie Abed, a practitioner in the Technology practice who is leaving to pursue an opportunity in industry. I was struck by how he captured in his own words our core belief about taking care of our people – especially our focus on mentorship and colleagues for life. With his permission, I am forwarding this wonderful illustration of how we actively mentor. Robbie has our best and my thanks go to the colleagues below (and the multitude of others) who brought mentorship and apprenticeship to life. So in Robbie’s own words the reason why this company is special. Best,P. S. I made a few small deletions for wider distribution. Resignation email template,If you are leaving your job, this sample resignation letter template can help you write your formal notification for HR or management. Want to quit your job? This page gives you free sample resignation letters and resignation letter templates for you to personalize and print. FREE template resignation letters. Left the Job, still being paid! Sending a letter or an email will make you look weak and like you're too afraid to have a serious conversation. Sample Letter of Resignation Template. Sample Resignation Letter. Email Us; T: 202.548.2720; About WISH. Moving On: The DO’s & DON’Ts of Resigning. Even if you just got the best job in the history of the world.From: Abed, Robbie (US – Chicago)Sent: Thursday, October 1. PMTo: < redacted> Cc: < redacted> Subject: I won the lottery, bought a million dollar condo in Miami, and I am retiring at the very early age of 2. This is why I decided to leave the firm. Well, not exactly. It is true that I am leaving. Tomorrow (Friday) being my last day. I hate good bye messages. Well, let me rephrase. I hate the majority of other people’s good bye messages. How could you summarize a great experience with a great company with amazing people in 2- 3 sentences? I think we all deserve more than a “hey, it’s been fun – see you never!”Through my time here, I have come across some amazing people, many who have directly affected the work I do, who I work for, where I work & when I work. Here are a few people that I can’t thank enough (in no particular order): < name redacted> – Thank You. You helped staff someone you barely knew, on an amazing project even when I threw a staffing curveball at you last second. You listened and I appreciate that.< name redacted> – You were my first career counselor, and along with < name redacted> you directly affected where I was staffed, and it was always for my benefit. Even when you knew you were going to lose me as a counselee you still went out of your way to help me. Thank you.< name redacted> – Career Counselor #2. You tell it how it is, and that’s an amazing thing. You guided me through many difficult situations, spoke the truth and let me make the best decision for myself and < company name> (I’m starting to think I was a difficult counselee!). Thank You.< multiple names redacted> – I had a great time there, and you guys were the reason I dealt with the delayed flights every week. Some things I just don’t lose in, no matter who I’m playing.< name redacted> – Thank you for everything. I never knew how bad my writing skills were, until you pointed them out to me! Sorry for recommending the worst restaurants possible in Chicago. I am slowly improving in my recommendation skills. Thank You!< name redacted> – OK, forget what I said. I’m a horrible restaurant recommender and < name redacted> is always the first to point that out. Thanks for the laughs & putting up with me. I also apologize for you walking across Chicago to find the restaurant I made reservations at. Next time, read directions better I’ll provide clearer directions. Thank You!< name redacted> – Thank You for everything. I will miss seeing you front & center in the telesuite calls. Regardless of what everyone else says, you’re the best looking one in the telesuite. Thank You!< name redacted> – Thank you for everything. You were always able to guide our team in the right direction, and laugh when the project got stressful. As with many, you were flexible in my role and let me shine with what I’m good at. I tried to get the new system named < system redacted> , but I guess that doesn’t fit in < company name> naming standards. Thank You!< name redacted> – Career Counselor #3. Thanks for being honest with me, and thanks for all of the career advice. Thank You! I have a local opportunity to do business development, sales for a much smaller company – and I have a feeling that this is what I will be really good at. I might be back, you never know. I will take full advantage of the alumni program. Sample Quit Job Letter . The exact reason why you are leaving, be it due to differences with the company or a new job opportunity elsewhere, is usually included. The goal of this letter is to thank your employer for the opportunities provided, explain when you will be leaving, and to be as gracious as possible regardless of the reason why you are quitting. Format and Content. The standard letter includes an official listing of your position, your effective end date, and some up to date contact information that can help individuals in your old job reach you should there be any questions or problems. The letter will be going to your immediate supervisor, and a copy should be sent to your human resources office as well. If you wish to indicate a reason for leaving, you should do so in a neutral way. The goal of the quit job letter format is to remain factual and respectful, giving the information needed while thanking your employer on the way out. By remaining graceful in your letter and making all details clear, you will be able to earn more respect from your former colleagues, which may be useful in the future no matter where your next position brings you. Sample. This sample comes from an employee who has been employed with the company for five years and who is now moving on to a new position with another firm. This quit job letter sample serves as the official letter of resignation for the employee. Note that this letter is addressed to the employee’s immediate supervisor, with a copy also sent to the human resources office. In the case that a person has more than one immediate supervisor, each should receive a copy in order to minimize confusion. In these cases, the personalized greeting line can be replaced with, “To Whom it May Concern.”Cathy Briggs. White Road. New York, NY 1. August 1. 4, 2. 01. To: Ms. Eileen White. Company A1. 23 Main Street. New York, NY 1. 01. Dear Ms. White,I am writing to inform you that I am resigning from my position as Executive Assistant for Company A. My resignation will be effective beginning September 2, 2. I greatly appreciate the opportunities that have been made available to me during my five years with this company. The experiences that Company A has given to me have been extremely helpful in both my personal and professional development. I am moving on to a new opportunity with the Nouveau Foundation, but hope that our paths will cross again in the future. If I can be of any assistance during this transition, please let me know. I will be unable to provide direct assistance following my departure, but will be happy to answer questions as I am able. I can be reached via phone at (5.
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The Bridge Program Salem-Keizer School District OregonDownload Free Software Programs Online11/29/2016 Roberts High School - Wikipedia. Roberts High School provides non- traditional educational programs in the Salem- Keizer School District. Rather than a centralized campus, Roberts High School consists of departments at different sites in Salem and Keizer, Oregon. These branch sites include the Downtown Learning Center, Structured Learning Center, Bridge, and Internet- based SK Online. Web- based curriculum. Gathered on this page is state-specific information for Bridges in Mathematics. Salem-Keizer School District. Students under the age of 2. Salem- Keizer Public School District are eligible to fully enroll with SK Online. SK Online also serves students enrolled at other schools or districts by prior arrangement. In addition to online support and email, SK Online teachers may meet students in face- to- face meetings, conference by telephone, or arrange web camera conferences to further assist students or monitor testing. SK Online courses can supplement instruction for students enrolled at traditional high schools. Oregon Schools Receive Funding to Expand Educational Enrichment Programs. School District - $474,509 Oregon. School District - $381,600 Salem-Keizer. Institute of Technology offers quality vocational education in Salem. High School Diploma Program. Penn Foster + Medical. Certificate of Completion. View Kristen Childress's business profile and see work history. Salem-Keizer School District.SK Online provides online learning opportunities in multiple ways: 1) students who reside and are enrolled in Salem- Keizer Public School District as part of the student. As a matter of policy, SK Online does not enroll students outside of Salem- Keizer District boundaries but will serve by tuition or interagency agreement. Courses & Programs. Students enrolled in SK Online can earn a Roberts HS diploma or may transition to a neighborhood high school or another branch of Roberts High School. Hillsboro School District, Hillsboro, Oregon. Olvera began his educational career in the Salem-Keizer School District teaching 1st. Job Title * Rideshare Assistant Company/Organization * Salem-Keizer Transit District Job. Salem/Keizer School District 24J. Brush College Elementary. Summer Meals Program School Districts. Follow the Stream of News; Who Are We; Get In Touch. The CAPCO program was designed to help states invest in the economy to create high wage jobs. Bridge is an alternative program of opportunity designed to help credit deficient 1. Salem- Keizer high school diploma. Bridge is an online learning program providing computer resource labs after regular school hours in neighborhood high schools and as a full- day option, the Downtown Learning Center. Bridge supports students with online courseware and instructional assistance. The Downtown Learning Center hosts a daytime Bridge option to accommodate the need for flexible scheduling. Bridge students usually focus on one course at a time according to their personal learning plan. Bridge students can earn a Roberts HS Diploma or may transition to a neighborhood high school or another branch of Roberts High School. Structured Learning Center addresses the needs of secondary- level students with severe behavior issues or expelled from their neighborhood schools. The Structured Learning Center works to continue the students. The Structured Learning Center offers small- group instruction with additional opportunities through online learning, and internships such as IKE Media. As part of the Structured Learning Center, Fresh Start classrooms provides students with high school educational opportunities and development of their ability to make appropriate choices, be responsible for their actions, and become self- sufficient. Structured Learning Center and Fresh Start students can earn a Roberts HS Diploma or may transition to a neighborhood high school or another branch of Roberts High School. Work Experience Program enables high school students who have jobs to gain elective credit through learning employment skills directly from their jobs. The curriculum is aligned to Oregon's Career Related Learning Standards. Administered centrally for Salem- Keizer Public School District, students may earn up to four credits in their high school careers and enter the Work Experience Program through referral by their local high school counselor. The GED Option provides students with an instructional program in GED preparation and vocational assessment. GED testing is provided at the Downtown Learning Center without cost for enrolled students. Students can earn a GED certificate. The Downtown Learning also hosts a READ 1. This intensive basic program addresses the needs of students reading below grade level. Students successfully raising their reading level are transferred into GED, Bridge, or other alternative program within Roberts High School. Marion County Juvenile Detention Education Under contract with the Oregon Youth Authority, Roberts High School provides education services for juveniles who are incarcerated at the Marion County Juvenile Detention facility. Students in Detention are either serving a sentence imposed by the juvenile judge or have been detained by law enforcement. The Detention Education program provides students the opportunity to earn credit in math, art, physical education, and language arts. Marion County Corrections Facility Education Program, located in the Marion County Jail, serves juveniles who are incarcerated either awaiting trial or who are adjudicated and awaiting transfer to a State corrections facility. Students have the option of working towards their GED, or completing high school course work leading to a diploma. In the 2. 00. 6- 2. Roberts High School. More than 4. 00 students earned high school diplomas or GED certificates in the 2. Roberts High Schools is named in honor of former Governor Barbara Roberts. Of 4. 57 students, 8. Best Virus Protection Reviews - Top Antivirus Software 2. Is an Antivirus Software Really Necessary? The short answer: absolutely! Regardless of your operating system, the time you spend on your computer or cell phone, the sites you visit, or the other security you already have in place, an antivirus program needs to be installed on your device. 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View the list of some of the publications by students currently in the program and graduates since 1. The faculty in International Business at Rutgers University form the core faculty for the program. Students also work with other members of the doctoral faculty of the Department of Management and Global Business. The globalization and growing interdependence of national economies is an established fact. Students in the international business major study the interface between the competitive advantages of countries, the role of national governments and supranational organizations, and the strategies of international firms. The program is interdisciplinary. It draws upon the writings of scholars in economics, management, organization theory, science and technology studies, and political science. Students have opportunities to choose elective courses from disciplines such as finance, marketing and management science. Students have access to faculty on both the Newark and New Brunswick campuses of Rutgers University. In particular, they have opportunities to participate in the work of the Division of Global Affairs on the Newark campus. Fellowships and teaching assistantships are available on a competitive basis.
Requirements. Seminar Series. Doctoral students in International Business who have not yet defended a dissertation proposal are expected to attend the seminar series of the Department of Management and Global Business, and each semester they receive a grade on their transcript based on their attendance and participation. Applicants and potential applicants are also welcome at the seminars. Visitors should check the schedule and telephone numbers on the department's website or contact the administrative assistant (Dawn Gist at dmgist@business. Course work, the qualifying examination, and the dissertation. People who searched for international business phd found the following information and. DBA in International Business. Review International Business Graduate Programs and Degrees on GradSchools.com, the #1 site for international business programs. Explore the differences between PhD programs offered in the United States and those available from global online doctorate degree programs. Find out more about international doctorate. International Doctoral Degrees. A total of 7. 2 credits is required for the doctoral degree. These must include: at least 1. They may also need to enroll in the non- degree course Teacher Training Seminar as part of their preparation for teaching. These enrollments require payment of tuition, but they do not count towards the 7. Students must enroll in 2. This registration requires their attendance in the Management & Global Business department's weekly seminar. A grade is given, but the enrollment is for zero credits and no tuition is charged. Full- time students are expected to take three courses for degree credit each semester during the first two years. They must then take the qualifying examination at the end of their second academic year. During the last two years, they work mainly on their dissertation, but they often take an additional methodology course during their third and fourth years and may be asked to do so by their adviser and doctoral coordinator. Within a year after passing the qualifying examination, the student should defend a dissertation proposal. Foundation/methodology requirement (4 courses)Students should take these two courses in the first year: 2. Social Science Research Methods. Statistical Linear Models. In addition, they should take at least two other doctoral level methodology or statistics courses. Students may consider the following: 2. Qualitative Research Methods 2. Research Design. 26: 6. Survey Research. 26: 2. Econometrics. 26: 1. Machine Learning. Data Mining. Excellent statistics and methodology courses are also available to our students in Statistics, Psychology, Sociology, Economics, SMLR, and SCILS at Rutgers- New Brunswick, in Psychology at Rutgers- Newark, and in Mathematical Sciences and Computer Science at NJIT. Core (5 courses)Students should take at least five of the following seven courses: 2. Cross- border Mgmt: Institutions, Firms, and Industry Value Chains 2. Theory of International Business 2. History of International Business. Corporate Innovation and International Business. National Innovation Policies and International Business. Global Political Economy. Culture and Organizations. Electives (3 courses): Three courses approved by the adviser, the doctoral coordinator, and the doctoral director. Teaching Requirement: Each student must teach at least one course at RBS. Before doing so, the student is expected to enroll in 2. Teacher Training Seminar (taught in the spring semester each year) unless this requirement is waived by the program director and the department chair. Students who enter with financial support may need to take this course during the Spring in order to be sure of having an employment opportunity from RBS during the Summer. First early research requirement (equivalent to one course): Students should prepare for the early research requirement by taking Statistical Linear Models and Research Methods in the first year. Then they write a paper (usually a literature review) with a faculty member, to be presented to the department during the fall semester. Second early research requirement (equivalent to one course): Write a paper (ideally a dissertation proposal) with a faculty member. Qualifying examination: The qualifying examination, in conformity with University regulations, will be taken at the end of the second year of coursework. It will consist of 4 sets of in- class questions, administered over a two day period. The student will be examined on the material covered in the five major courses studied during the two years of course work. Other rules and requirements: For details of rules and requirements that apply to all doctoral students in RBS, see Policies and Procedures. Sample program for main portion of course work. Fall 2. 01. 1History of IBStrategic Management. Data Mining. Spring 2. Corporate Innovation & International Business. Econometrics. Organization Behavior. Fall 2. 01. 2Theory of IBManagement of Innovation & Technology. Statistical Linear Models. Spring 2. 01. 3National Innovation Policies & IBCulture & Organizations. Social Science Research Methods. Islamic banking and finance - Wikipedia. Islamic banking (Arabic: . As such, a more correct term for Islamic banking is sharia compliant finance. Read reviews of books on Islamic banking & Islamic finance.It answers question on riba,takaful,interest free banking & Islamic finance model. Islamic banking refers to a system of banking that complies with Islamic law also known as Shariah. There are over 300 Islamic financial institutions worldwide across 75 countries According to the Asian Banker Research. Investment in businesses that provide goods or services considered contrary to Islamic principles (e. Although these prohibitions have been applied historically in varying degrees in Muslim countries/communities to prevent un- Islamic practices, only in the late 2. Islamic banks formed to apply these principles to private or semi- private commercial institutions within the Muslim community. According to Shariah terminology, it implies any excess compensation without due consideration (consideration does not include time value of money). Recommended Reading: The Best Books on Islamic Finance (Video) Share on Facebook; Share on Twitter; Share on LinkedIn. Handbook of Islamic Banking: A practical book that covers a wide range of areas in Islamic finance. Islamic Banking and Finance CRITICAL CONCEPTS IN E Routledge Major Works Intended Contents. Current Islamic Finance 42. Banking System’, Islamic Economics, 1993, 5, 25–35. Capitalization of Islamic. Islamic banking is a banking system based on the principles of Islamic law (also known as Shariah) and guided by Islamic economics. All the undertakings of the banks in the system follow Islamic morals, so it could be said. Islamic Bookstore.com - Islamic Books, Islamic Audio, Video, Software and more! Home; About Us; Customer Service; Shipping Info; Shopping Cart; FAQ; Contact Us; Top 100; New Arrivals; Staff Favorites; Gift Certificates; Sale. A school of Islamic thought which emerged in the 1. Syed Ahmad Khan, argued for a differentiation between sinful . The Investor is called Rab ul Maal and the other party is termed as Mudarib. The first, experimental, local Islamic bank was established in the late 1. Pakistan which charged no interest on its lending. The profit- sharing experiment, in the Nile Delta town of Mit Ghamr, did not specifically advertise its Islamic nature for fear of being seen as a manifestation of Islamic fundamentalism that was anathema to the Gamal Nasser regime. The experiment was shut down by the government in 1. But in 1. 98. 8, worried that Islamist movements were building up a . It is estimated that over US$8. The Economist. During the global financial crisis of 2. However following the collapse of Lehman Brothers Islamic institutions were impacted from drops in valuation of real estate and private equity, two segments heavily invested by Islamic firms. The contemporary movement of Islamic finance is based on the belief that . The Handbook of Islamic Banking comprises 25 studies by leading international experts on Islamic banking and finance specially commissioned to analyse the various debates and the current state of play in the field. Furthermore, the Shariah prohibits what is called . Maysir is involved in contracts where the ownership of a good depends on the occurrence of a predetermined, uncertain event in the future whereas Gharar describes speculative transactions. Both concepts involve excessive risk and are supposed to foster uncertainty and fraudulent behaviour. Therefore, the use of all conventional derivative instruments is impossible in Islamic banking. Because Islam forbids simply lending out money at interest, Islamic rules on transactions (known as Fiqh al- Muamalat) have been created to prevent it. The basic principle of Islamic banking is based on risk- sharing which is a component of trade rather than risk- transfer which is seen in conventional banking. Islamic banking introduces concepts such as profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah), and leasing (Ijar). Interpretations of Shariah may vary slightly by country. According to Humayon Dar. Mohammed Ariff also found less exacting interpretation of Shariah compliance in Iran where the government had decreed . The bank would act as the capital partner in mudarabah accounts with the depositor on one side and the entrepreneur on the other side. In practice, the fixed- return models, in particular murabaha model, were the bank's favourites, as they bear results most similar to the interest- based finance models. Assets managed under these products far exceed those in . However, the bank's profit cannot be made explicit and therefore there are no additional penalties for late payment. In order to protect itself against default, the bank asks for strict collateral. The goods or land is registered to the name of the buyer from the start of the transaction. Another approach is EIjara wa EIqtina, which is similar to real estate leasing. Islamic banks handle loans for vehicles in a similar way (selling the vehicle at a higher- than- market price to the debtor and then retaining ownership of the vehicle until the loan is paid). An innovative approach applied by some banks for home loans, called Musharaka al- Mutanaqisa, allows for a floating rate in the form of rental. The bank and borrower form a partnership entity, both providing capital at an agreed percentage to purchase the property. Islamic Banking Books Free DownloadThe partnership entity then rents out the property to the borrower and charges rent. The bank and the borrower will then share the proceeds from this rent based on the current equity share of the partnership. At the same time, the borrower in the partnership entity also buys the bank's share of the property at agreed installments until the full equity is transferred to the borrower and the partnership is ended. If default occurs, both the bank and the borrower receive a proportion of the proceeds from the sale of the property based on each party's current equity. This method allows for floating rates according to the current market rate such as the BLR (base lending rate), especially in a dual- banking system like in Malaysia. There are several other approaches used in business transactions. Islamic banks lend their money to companies by issuing floating rate interest loans. The floating rate of interest is pegged to the company's individual rate of return. Thus, the bank's profit on the loan is equal to a certain percentage of the company's profits. Once the principal amount of the loan is repaid, the profit- sharing arrangement is concluded. This practice is called Musharaka. Further, Mudaraba is venture capital funding of an entrepreneur who provides labor while financing is provided by the bank so that both profit and risk are shared. Such participatory arrangements between capital and labor reflect the Islamic view that the borrower must not bear all the risk/cost of a failure, resulting in a balanced distribution of income and not allowing the lender to monopolize the economy. Islamic banking is restricted to Islamically acceptable transactions, which exclude those involving alcohol, pork, gambling, etc. The aim of this is to engage in only ethical investing, and moral purchasing. The Islamic Banking and Finance Database provides more information on the subject. The hadith, in addition to prohibiting gambling (games of chance), also prohibits bayu al- gharar (trading in risk, where the Arabic word gharar is taken to mean . Sami al- Suwailem, have used Game Theory to try and reach a more measured definition of Gharar, defining it as . Jurists have sought many complete definitions of the term. They also came up with the concept of yasir (minor risk); a financial transaction with a minor risk is deemed to be halal (permissible) while trading in non- minor risk (bayu al- ghasar) is deemed to be haram. This was mainly due to the complication of having to decide what is and is not a minor risk. Industry. They may befull- fledged Islamic financial institutions (for example Islami Bank Bangladesh Ltd, Meezan Bank in Pakistan). As of 2. 01. 0, the Islamic banking industry was estimated to be about 1/8. Statistics on Islamic banking differ, but according to Ibrahim Warde, of those countries, five dominate Islamic banking: Iran with $3. Islamic assets; Saudi Arabia with $2. Malaysia $1. 42 billion, Kuwait with $1. UAE with $1. 12 billion. According to the latest central bank data, its banking assets as of March 2. According to the AAOIFI, AAOIFI (2. A Shariah Supervisory Board (SSB) is an independent body of specialized jurists in fiqh al- mu'amalat (Islamic commercial jurisprudence) .. The Shariah Supervisory Board is entrusted with the duty of directing, reviewing and supervising the activities of the Islamic financial institution .. The fatwas (legal opinions) and ruling of the Board shall be binding.`. However, each Islamic financial institution has its own SSB, and they are not obliged to follow these guidelines and standards. In Indonesia, the Ulama Council serves a similar purpose. A number of Shariah advisory firms have now emerged to offer Shariah advisory services to the institutions offering Islamic financial services. Issue of independence, impartiality and conflicts of interest have also been recently voiced. The World Database for Islamic Banking and Finance (WDIBF) has been developed to provide information about all the websites related to this type of banking. By 2. 01. 0, it had issued . Established in Algiers in 1. Financial Accounting Organization for Islamic Banks and Financial Institutions. It later moved its headquarters to Bahrain. Its secretariat is located in Manama Bahrain. It is not a regulatory body and its recommendations are . It complements the task of the Basel Committee on Banking Supervision. It is sponsored by 1. The sukuk making up the Index must be at least $2. BBB- /Baaa. 3. It has 1. Islamic indices for various regions. It is constructed from the conventional MSCI country indices and covers 6. Gulf Cooperation Council and Arabian markets. It is forbidden in Islam for a single contract to cover more than one agreement, this defeats many attempts to make Western financial deals Sharia compliant. Bai' al 'inah (sale and buy- back agreement). Subsequently the asset is sold back to the customer with deferred payment made in installments, constituting paying back the loan. There are differences of opinion amongst the scholars on the permissibility of Bai' al 'inah, however this is practised in Malaysia and the like jurisdictions. Like Bai' al 'inah, this concept is also used under an Islamic financing facility. Interest payment can be avoided as the customer is paying the sale price which is not the same as interest charged on a loan. The problem here is that this includes linking two transactions in one which is forbidden in Islam. The common perception is that this is simply straightforward charging of interest disguised as a sale. Bai' muajjal (credit sale). Technically, it is a financing technique adopted by Islamic banks that takes the form of murabahah muajjal. It is a contract in which the bank earns a profit margin on the purchase price and allows the buyer to pay the price of the commodity at a future date in a lump sum or in installments. It has to expressly mention cost of the commodity and the margin of profit is mutually agreed. 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