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Evidence from developed countries shows debt and bankruptcy to be correlated with medical expenditures. In Mexico, the formal financial sector does not lend for health needs. So, the solution is often found by borrowing from relatives, friends, and moneylenders, or pawning belongings after using savings, if any. Despite the recent and growing literature on income and health, and health financing, we have not come across a single study analyzing pawning and health. Our study fills this gap using a sample of 400 government owned pawnshop users from Puebla, Mexico. The findings from the study revealed that health expenditures are a significant reason for pawning and having medical insurance does not reduce the probability to pawn. Also, catastrophic health expenditures are correlated with a higher probability of not redeeming the pledge. We found that most pawnshop users have low income and losing a pledge is positively correlated with low or middle income and the number of people in the household.

This study aims to explore how informal pawnbrokers and informal pawners interpret the existence of the informal pawnshop in the traditional market in Surakarta, Indonesia, with the main focus to determine the applicability of informal pawnshop development model.

The research used the qualitative method with the phenomenological approach using interview method to fully comprehend the informants’ views regarding the informal pawnshop existence in traditional markets in Surakarta, Indonesia. The applicability of informal pawnshop development model is required for Muslim market vendors. Charitable institutions shall participate in the development of the model by empowering (zakat, infaq, shadaqah and waqf) funds to help Muslims vendors in the traditional markets for additional capital in accordance with Islamic laws for a pawnshop.

The result of the research shows that the existence of informal pawning in the traditional markets is difficult to avoid as both informal pawnbrokers and informal pawners need one another. Most vendors in the traditional markets are Muslims. Islam teaches that loan interest is categorized as forbidden riba. Meanwhile, in the informal pawning practices, the informal pawnbrokers charge loan interest to the informal pawners.

The objective of this study is to investigate to what extent the Islamic pawn shops motivated the people through interest-free system. However, in past, tradition markets facilitate the people, but they charged a huge against it with interest (riba).

This paper aims to evaluate different approaches for the parallelization of compute-intensive tasks. The study compares a Java multi-threaded algorithm, distributed computing solutions with MapReduce (Apache Hadoop) and resilient distributed data set (RDD) (Apache Spark) paradigms and a graphics processing unit (GPU) approach with Numba for compute unified device architecture (CUDA).

The paper uses a simple but computationally intensive puzzle as a case study for experiments. To find all solutions using brute force search, 15! permutations had to be computed and tested against the solution rules. The experimental application comprises a Java multi-threaded algorithm, distributed computing solutions with MapReduce (Apache Hadoop) and RDD (Apache Spark) paradigms and a GPU approach with Numba for CUDA. The implementations were benchmarked on Amazon-EC2 instances for performance and scalability measurements.

The comparison of the solutions with Apache Hadoop and Apache Spark under Amazon EMR showed that the processing time measured in CPU minutes with Spark was up to 30% lower, while the performance of Spark especially benefits from an increasing number of tasks. With the CUDA implementation, more than 16 times faster execution is achievable for the same price compared to the Spark solution. Apart from the multi-threaded implementation, the processing times of all solutions scale approximately linearly. Finally, several application suggestions for the different parallelization approaches are derived from the insights of this study.

There are numerous studies that have examined the performance of parallelization approaches. Most of these studies deal with processing large amounts of data or mathematical problems. This work, in contrast, compares these technologies on their ability to implement computationally intensive distributed algorithms.

The purpose of this paper is to examine the factor persuading the acceptance of Islamic pawn broking (Ar-Rahnu) among Islamic bank customers.

The authors collected the data using a self-administered questionnaire design and analysed using SPSS Statistics and smart partial least square. The study is restricted to only respondents who are based in the area of Klang Valley (Selangor and Kuala Lumpur), as these two areas have a larger number of Islamic banks and a decent number of Islamic banks’ clients. A total of 381 respondents’ responses are used for this study, and the constructs involved for analysis purpose are affect, social factor, facilitating conditions, perceived financial benefits and perceived risk constructs.

The finding suggests a significant positive association for social factor and perceived risk, while negative association learnt for affect on acceptance of Ar-Rahnu financing. On the same note, the facilitating condition and perceived financial benefit are found insignificantly related.

The findings generated from this study are expected to enrich the literature on the body of knowledge, as it has served to broaden the understanding of the Ar-Rahnu acceptance level in Malaysia. As mentioned, there is limited literature available using this type of financing. Existing studies focus too much on conventional financing products such as personal financing, credit card, short-term loan and many others. Less attention is given to Ar-Rahnu financing. Thus, this study expected to add value to the literature available in the context of Islamic pawn broking business. Moreover, the findings of this study will be very helpful for the Islamic financial institutions to find the best way to retain Ar-Rahnu clients and encourage more client to choose Ar-Rahnu as a mode of financing.

This study owns greater potential to assist Islamic financial institutions to discover the best techniques to retain and encourage the grander number of clients for Ar-Rahnu as a mode of financing.

The purpose of this study is to reveal empirical facts that literacy and marketing strategies effectively impact people using Sharia pawn products during the COVID-19 pandemic because of the pressure of capital needs and financial difficulties.

This study used an exploratory qualitative research approach through semi-structured interviews with six partners of different productive ages and social, economic and educational backgrounds. After data reduction, presentation, description and validation, this paper develops the theory and presents it as a qualitative thematic analysis.

The findings of this study revealed that those who had socialised Sharia pawnshops had a low literacy level. Nonetheless, the socialisation of Sharia pawnshops increases literacy and public understanding of pawnshop products in Sharia pawnshops. This issue arises because of the COVID-19 pandemic, which makes it impossible for Sharia pawnshops to hold an event or socialise.

The authenticity of this study proves that literacy and marketing strategies can increase public awareness of Sharia pawn products during the COVID-19 pandemic.

A QUESTION On 1 January 1973 Knight, Bishop and Pawn were in partnership as architects on the following terms:

The case is suitable for use in the topics related to the functions and roles of Islamic pawn-broking and the Islamic risk management framework.

The case is designed for undergraduate and postgraduate students taking courses in Islamic Banking, Islamic Finance and Risk Management for Islamic Banking Institutions.

This case is meant to explain the mechanics of pawn-broking (Ar-Rahnu) in Islam as well as to understand the risk management of Ar-Rahnu in the bank. Ar-Rahnu is discussed, in general, from the perspective of muamalat and then is related to the financing service offered through Ar-Rahnu scheme at Al-Qamari Bank Berhad (a disguised bank). Ar-Rahnu means making an asset as a security or collateral for a debt. The collateral will be used to settle the debt when the debtor is in default. It may also be known as borrowing with either collateral or pawn-broking. In Al-Qamari Bank Berhad, gold and jewellery are the subject of collateral for Ar-Rahnu. In return, customers will get the cash based on the margin of loan with regards to the current market value of gold/jewellery as determined by the bank. The operation of Ar-Rahnu is discussed in Exhibit 1, while the risk management of Ar-Rahnu is discussed in Exhibit 2.

The learning outcomes include: to identify a problem and issue related to Ar-Rahnu; to evaluate the modus operandi of Ar-Rahnu; to analyze the risk management practices of Ar-Rahnu; and to develop decision criteria on whether Ar-Rahnu in Al-Qamari bank is Shariah-compliant or not.

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This paper delineates the proprietary contest developed around a highly valued prestige item: a silver roofed tankard owned by a Romanian, Gabor Roma man.

The author applies “methodological fetishism” (Appadurai, 1986, p. 5), the perspective of things-in-motion, as well as the biographic method to interpret data collected during 31.5 months of multi-sited anthropological fieldwork carried out in the Transylvanian Gabor and Cărhar Roma groups.

As the tankard in question crossed the borders of three Transylvanian Roma groups, and thus went through the processes of de- and re-contextualization three times, it is characterized by a transethnic/transcultural biography. This paper pays special attention to the agency associated with the tankard (the social and economic practices, processes and emotions it caused or influenced), the transformations concerning its symbolic properties, and its movement between various social contexts and value regimes. Furthermore, it examines how the analysis of these issues contributes to a deeper understanding of prestige relations and consumption, morality and business ethics, and measures of success in two Transylvanian Roma groups.

This paper reveals how subjects create, manipulate, and represent their identities, and social and economic differences through the construction of commodity biographies and ownership histories interpreted as symbolic pantheons. By combining the terms of Marcus (1995) and Fowles (2006), it argues that analyses based on multi-sited fieldwork focusing on commodities crossing cultural or social boundaries, and their transnational/transcultural biographies, should be defined as multi-sited commodity ethnographies.

To invoke Julian Le Grand's conceptual model of the interaction between human motivation and policy formulation in order to explain how motivational endogeneity in the university environment has distorted policy outcomes in the Australian higher education reform program.

Le Grand contends that changes in the perception of policy makers of both motivation and agency in the public sector have transformed public sector reform programs in the past two decades. However, because producers and consumers of public services react vigorously to different policy presumptions of their behaviour, a problem of endogeneity arises that may distort the intended outcomes of reform processes. This conceptual framework is applied to higher education reform in Australia from the so‐called Dawkins reform program in the late 1980s onwards.

Argues that the Le Grand model can shed light on the changes in Australian higher education that have occurred as a consequence of the ongoing reform process and account for at least some of the unintended negative consequences of the reforms.

The paper represents the first application of the Le Grand model to higher education reform.

Secondary markets provide a place for unwanted items to be bought and sold, which diverts them from landfills, reducing the products' ecological impact and creating economic value. The purpose of this paper is study the secondary markets to understand the size of this important portion of the US economy.

The data were collected from financial reports, news articles, and interviews with subject experts. From all of these sources, the scope and size of secondary markets can be estimated.

Secondary markets are effective in diverting a large number of products from landfills, creating numerous jobs, resulting in substantial economic value in the process. Although not reflected in current government metrics, a conservative estimate is that the secondary market represents 2.28 percent of the 2008 US gross domestic product.

Several of the secondary markets have many small players, with no strong trade associations or other authorities to estimate their size. The paper's estimates based on known sources are very conservative, perhaps underestimating the size of these sectors.

As society increasingly pays attention to the ecological impact of its products, secondary markets will play an important role in supply chains. Understanding the magnitude, structure and reach of these markets can help firms develop better product stewardship and lifecycle management.

Individuals will not directly change their behavior from this research, but the findings should help companies behave differently, which in the end will offer products with lower ecological impact.

Secondary markets are an integral part of the US economy, and have not been adequately studied.