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This study aims to explore the COVID-19 impact on the sustainability of gharimin (genuine debtors) in Islamic financial institutions (IFI) in Malaysia. The analysis was further conducted to expand the interpretation of gharimin in zakat institutions (ZI) to use the role of zakat distribution during the post-pandemic period due to income shock and long-term unemployment.

This study adopted a qualitative research approach with grounded theory analysis to integrate theoretical insights into the interpretation of gharimin and current practices from the perspectives of ZI and IFI. An in-depth interview with 18 informants was conducted, and data were collected from senior management positions in the zakat distribution department, academicians who are experts in the area of zakat, and heads of Shariah departments in IFI.

Expanding the interpretation of gharimin could help ZI and IFI recover the sustainability of gharimin for preparedness during post-pandemic and any emergency crisis in the future.

This study implies the potential role of ZI in combating the risk of defaulting debtors in IFI to prepare for pandemic recovery in the future.

The new interpretation assists gharimin in reducing the burden debt using the zakat fund and protects genuine debtors by preventing IFI from declaring default or bankruptcy.

This study narrows the literature gaps about gharimin in IFI in the context of the pandemic. To the best of the authors’ knowledge, this is, perhaps, the first paper to present the expansion of interpretation for gharimin into mu’sir in IFI in Malaysia.

Natural convection in finite enclosures is a common phenomenon in various thermal applications. To provide the thermal design guidelines, this study aims to numerically explore the potential of using internal baffles and nanofluids to either enhance or suppress heat transport in a vertical annulus. Furthermore, the annular-shaped enclosure is filled with aqueous-silver nanofluid and the effects of five distinct nanoparticle shapes are examined. In addition, the influence of baffle design parameters, including baffle position, thickness and length, is thoroughly analyzed.

The finite difference method is used in conjunction with the alternating direction implicit and successive line over relaxation techniques to solve nonlinear and coupled partial differential equations. The single phase model is used for nanofluid which is considered as a homogeneous fluid with improved thermal properties. The independence tests are carried out for assessing the sufficiency of grid size and time step for obtaining results accurately.

The baffle dimension parameters and nanoparticle shape exhibit significant impact on the convective flow and heat transfer characteristics, leading to the following results: sphere- and blade-shaped nanoparticles demonstrate around 30% enhancement in the heat transport capability compared with platelet-shaped nanoparticles, which exhibit the least. When considering the baffle design parameter, either a decrease in the baffle length and thickness or an increase in baffle height leads to an improvement in heat transport rate. Consequently, a threefold increase in baffle height yields a 40% improvement in thermal performance.

Understanding the impact of nanoparticle shapes and baffle design parameters on flow and thermal behavior will enable engineers to provide valuable insight on thermal management and overall system efficiency. Therefore, the current work focuses on exploring buoyant nanofluid flow and thermal mechanism in a baffled annular-shaped enclosure. Specifically, an internal baffle that exhibits conductive heat transfer through it is considered, and the impact of baffle dimensions (thickness, length and position) on the fluid flow behavior and thermal characteristics is investigated. In addition, the current study also addresses the influence of five distinct nanoparticle shapes (e.g. spherical, cylindrical, platelet, blade and brick) on the flow and thermal behavior in the baffled annular geometry. In addition to deepening the understanding of nanofluid behavior in a baffled vertical annulus, the current study contributes to the ongoing advancements in thermal applications by providing certain guidelines to design application-specific enclosures.