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The purpose of this study is to examine how the Islamic banks fix their mark-up for Murabaha contract strategically when traditional banks also co-exist in a country. This study also aims to investigate what role the varying degree of Iman (faith) plays in shaping the preferences of the consumers to choose between the services of Islamic banks and the traditional banks.

This paper constructs a mathematical model like the Bertrand competition in neo-classical economic theory. A religiosity parameter for the consumers has been inserted into their demand functions for their products. A simple optimization technique from mathematics has been used to arrive at the results.

This paper applies game theory to analyze how Islamic banks determine their mark-up when they are facing competition with traditional banks. It considers the demand functions of the consumers for the products of Islamic banks and traditional banks. The demand functions depend on the mark-up, as well as on the interest rate with the difference that they also depend on the religiosity of the consumers. The paper shows that Islamic, as well as the conventional banks charge lower prices for their loans if there is consideration of religiosity aspect of the consumers. Further, it shows that as religiosity increases in a country, the lending rates decrease. The theoretical result is also consistent with the real practices of the banks. Therefore, the dual banking system is welfare enhancing for the customers.

The Islamic banks can leverage the religiosity aspect of the consumers and expand their business competitively by charging them lower mark-up. The adherence of religious customers to the services of Islamic banks creates some kind of loyalty premium for them. This could lead to the reduction of mark-up price triggering competition between both types of banks to attract more customers. Therefore, it is prudent for the government to develop a system for furthering the quality of honesty that is an integral part of Islam.

To the best of author’s knowledge, this is the first paper where it has been analyzed theoretically how the Islamic banks determine their mark-up for Murabaha contract strategically. This approach explains why the rate of return of Islamic banks hinges on the interest rates of traditional banks. One of the novel feature of this paper is that religiosity character of the consumer is good for banks because religiosity prohibits the people to default on their loans.

Automation of detecting cracked surfaces on buildings or in any industrially manufactured products is emerging nowadays. Detection of the cracked surface is a challenging task for inspectors. Image-based automatic inspection of cracks can be very effective when compared to human eye inspection. With the advancement in deep learning techniques, by utilizing these methods the authors can create automation of work in a particular sector of various industries.

In this study, an upgraded convolutional neural network-based crack detection method has been proposed. The dataset consists of 3,886 images which include cracked and non-cracked images. Further, these data have been split into training and validation data. To inspect the cracks more accurately, data augmentation was performed on the dataset, and regularization techniques have been utilized to reduce the overfitting problems. In this work, VGG19, Xception and Inception V3, along with Resnet50 V2 CNN architectures to train the data.

A comparison between the trained models has been performed and from the obtained results, Xception performs better than other algorithms with 99.54% test accuracy. The results show detecting cracked regions and firm non-cracked regions is very efficient by the Xception algorithm.

The proposed method can be way better back to an automatic inspection of cracks in buildings with different design patterns such as decorated historical monuments.

The purpose of this paper is to discuss the capability of finite element analysis (FEA) in performing the virtual thermal cycling reliability test to evaluate the reliability of solder joints in a ball grid array (BGA) package.

Thermal cycling test has been used to evaluate the reliability or fatigue life of the solder joints in BGA package using commercially available FEA software, ANSYS™. The effect of different temperature cycling condition is studied by applying different value of dwell time and ramp rate. Two types of analyses are used namely, the physics‐based analysis and the statistical‐based analysis. Two screening design methods namely, central composite design (CCD) and Box‐Behnken Matrix Design method are used to isolate the most important factors amongst six selected design variables. The optimization process is carried out using response surface methodology (RSM).

It is observed that changes in ramp rate produce significant effect in solder fatigue life than changes in dwell time but the dwell time at high temperature has a negligible contribution to solder fatigue life. It has been found that the thickness of the mold has a significant effect on the performance of the solder joint reliability (more than 50 percent) as compared to that from other factors. Besides, the effect of individual factor, the interaction among factors also changes the solder joint reliability. RSM based on Box‐Behnken Matrix design offers the highest characteristic solder joint fatigue life with a value of 2,861 cycles.

This paper provides a comprehensive method to evaluate the reliability of solder joints in terms of physics and statistical‐based analysis.

The aim of this study is to investigate the effects of offset angle in wave soldering by using thermal fluid structure interaction modeling with experimental validation.

The authors used a thermal coupling approach that adopted mesh-based parallel code coupling interface between finite volume-and finite element-based software (ABAQUS). A 3D single pin-through-hole (PTH) connector with five offset angles (0 to 20°) on a printed circuit board (PCB) was built and meshed by using computational fluid dynamics preprocessing software called GAMBIT. An implicit volume of fluid technique with a second-order upwind scheme was also applied to track the flow front of solder material (Sn63Pb37) when passing through the solder pot during wave soldering. The structural solver and ABAQUS analyzed the temperature distribution, displacement and von Mises stress of the PTH connector. The predicted results were validated by the experimental solder profile.

The simulation revealed that the PTH offset angle had a significant effect on the filling of molten solder through the PCB. The 0° angle yielded the best filling profile, filling time, lowest displacement and thermal stress. The simulation result was similar to the experimental result.

This study provides a better understanding of the process control in wave soldering for PCB assembly.

This study provides fundamental guidelines and references for the thermal coupling method to address reliability issues during wave soldering. It also enhances understanding of capillary flow and PTH joint issues to achieve high reliability in PCB assembly industries.

The financial crisis of 2007/2008 has caused many to question the basic premises of the current business system. Porter and Kramer suggest that the purpose of the corporation needs to be redefined. They posit that the corporation, rather than merely pursuing financial value creation set out to pursue shared value creation. They further declare social entrepreneurs the paragons of said shared‐value creation. The purpose of this paper is to explore that claim.

This paper critically analyzes the pathway of shared‐value creation in three leading social enterprises employing a genealogical perspective.

It is found that very innovative shared‐value creating ventures opted out of balance‐oriented, shared‐value creation strategies and embraced either financial or social‐value primacy strategies over time. The findings thus question the power of the shared‐value creation notion when viewed as balance orientation.

The paper presents a new concept, a new methodology, and interesting case studies.

“Business as usual” has come under heavy scrutiny. The financial crisis has caused many to question the basic premises of the current business system. In the following chapter, I will examine how organizations can cope with the current crisis by creating sustainable value. I propose that businesses learn from a newly emerging field called social entrepreneurship. The concept of social entrepreneurship is discussed and examined for its potential to support for sustainable value creation. A detailed case study of bracNet provides an example of shared-value creation. bracNet is a for-profit enterprise in Bangladesh aiming to close the digital divide globally and regionally. New business models and cross-sectoral partnerships allow bracNet to implement a social and financial value creation strategy. Key for success seems to be the shared ownership of bracNet, by BRAC, a nonprofit organization, and various for-profit entities (including VCs, industrial conglomerates, and hedge funds).

A simplified general purpose analytical finite element model has been developed to analyze the thermal performance of a continuous flow polymerase chain reaction (CPCR) microdevice. The corresponding governing differential equations along with the appropriate boundary conditions have been solved using a self‐developed code in Matlab®. Results obtained from the finite element simulations have been validated with available published results and also showed good agreement with those obtained from commercial FEA package, ANSYS®. The present methodology has an added advantage due to its flexibility where the unit cell of the finite element model can be arranged into different orientation for analyses of different CPCR microdevice configuration. In microchannel heat sinks, the results obtained agree well with the published result which demonstrates the flexibility and robustness of present methodology to be used for various applications.

This paper aims to investigate whether the effect of competitive strategies on the performance is significantly different for fully fledged Islamic banks vis-a-vis conventional banks with Islamic window. Specifically, two competitive strategies namely the low-cost strategy and the differentiation strategy were considered. In addition, we examined further the competitive strategies–performance nexus by introducing enterprise risk management as a mediating factor.

This study used structured questionnaires to collect data from 506 respondents (251 from fully fledged Islamic banks and 255 from conventional banks with Islamic window). A disjoint two-stage approach was employed to analyze a hierarchical component model. Construct Level Correction and Measured Latent Marker Variable approaches were employed to assess the common method variance. As a robustness check, two-stage approach was used to explore the curvilinear relationship, and the Gaussian copula approach was adopted to address the endogeneity issue.

The findings show the evidence of complementary partial mediation in the relationships between low-cost strategy, differentiation strategy, and performance through enterprise risk management practices in both types of banks.

Competitive strategies are essential as they send signals to owners, managers, policymakers, and regulatory authorities. On the one hand, fully fledged Islamic banks face dual competition from pure conventional counterparts as well as conventional banks with Islamic window. On the other hand, Islamic window banks also face strong competition from the fully fledged Islamic banks due to their strong Shariah roots. Hence, this competitive pressure on both types of banks calls for more attention to focus on competitive strategies and enterprise risk management practices to accelerate their performance and overcome the bank risk. Moreover, these competitive strategies can be used as a tool to enter into a new market by reducing costs and risks. Besides, banks cannot achieve a competitive advantage without implementing enterprise risk management practices because competitive strategies are significant antecedents of enterprise risk management practices. Therefore, this study recommends both types of banks to focus on enterprise risk management practices to make these strategies successful.

To the best of our knowledge, this is the first study to examine the competitive strategies–performance nexus and the mediating role of enterprise risk management practices in an unexplored area of Islamic banking.

This paper aimed to investigate reading format preference of undergraduate students with regard to various categories of information sources and use of social media information sources for academic and non-academic activities.

An exhaustive literature review was carried out in a very well organised way using total 56 publications which include 48 research papers, four conference papers, two books and two reports, which were selected for analysis on the basis of prescribed data schema and adopting the inclusion and exclusion criteria matching with the research objectives of the study.

Undergraduate students preferred text books in print format for passing the exams, and use of search engines and Internet sites were rated as the most crucial source for the academic information. In particular, Wikipedia, YouTube and Blogs were the most frequently used social media information sources by undergraduate students for their academic activities. However, Facebook and Twitter were most prominently used for social interaction.

The population of the study was restricted to the homogenous group of users, i.e. undergraduate students to examine their choices and preferences for their academic and non-academic activities. Further research studies may be conducted covering the more diverse and heterogeneous user group of postgraduate students and research scholars of different disciplines.

Generally, many previous research studies depicted users' preference for print and electronic media format without paying special attention on the usage of a variety of information sources by user groups. However, the present study is a value addition to the existing literature which emphasised the use of various categories of information sources, particularly by undergraduate students in print and digital format for different purposes in the digital environment. A major shift from the use of print media to digital media to social media information sources by undergraduate students for their academic and non-academic activities.