Archive of Journal
Volume 77, Issue 11, Nov. 2021

THE PROCESS OF RISK MANAGEMENT: SKETCHING THE PROVIDERS OF ISLAMIC MICRO-FINANCE

Volume 77, Nov 2021
doi: 10.21506/j.ponte.2021.11.5

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Abstract: With the assistance of using comparative analysis and interviews, we have formulated study on two discreet types of Islamic microfinance institutions: Non-government organizations & Commercial financial institutions. This has relatively been done with the help of taking into consideration the systematic disbursement and repayment methods. Conclusively, both of the companies were susceptible to Shariah risk, operational risk and credit risk. Furthermore, company B has a well renowned goodwill in the market therefore, it is prone to reputational risk as well.

Author(s): Muhammad Awais, Mohamed Asmy bin Mohd Thas Thaker, Asif Raza, Usama Usman, Muhammad Mohsin, Omar Khalid Bhatti


ASSESSMENT OF THE REGIONAL SIGNIFICANCE OF INVESTMENT PROJECTS USING A FUZZY INFERENCE SYSTEM

Volume 77, Nov 2021
doi: 10.21506/j.ponte.2021.11.6

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Abstract: Analysis and evaluation of the economic efficiency of investment projects is one of the difficult problems in the economy, production and management. Its complexity is specified, on the one hand, the presence of uncertainty, because when problem solving on investments always it is necessary to anticipate the future, and the other – the presence of set of knowingly conflicting criteria that are both quantitative and qualitative nature. The paper proposes an approach to assessing the regional significance of investment projects claiming to receive budgetary allocations from the National Investment Fund for the Support of Entrepreneurship in Azerbaijan. This approach is based on a verbal model, which is implemented through the use of a fuzzy inference system on the example of six real alternative investment projects.

Author(s): Emin Garibli, Rovshan Akbarov


PARALLELISM IN ISIZULU HYMNS OF TWO CHURCHES

Volume 77, Nov 2021
doi: 10.21506/j.ponte.2021.11.3

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Abstract: The aim of this study is to discuss some poetic aspects in isiZulu hymns of two churches; the Methodist Church of Southern Africa’s hymn book titled: Incwadi Yenkonzo Nezingoma and the Seventh-day Adventist Church hymn book titled: UKrestu EsiHlabelelweni. The main poetic aspect that is examined is parallelism. This study reveals that music and poetry cannot be entirely separated and that good songwriters know how to play with language in an attempt to communicate their message to the audience, as poets also do. In the discussion, parallelism is divided into complete parallelism, incomplete parallelism and parallelism by linking. The concept of parallelism will be defined as part of the introductory section of the discourse. A concluding remark, which contains the summary of the study, evaluation and recommendations, will be included towards the end of the essay.

Author(s): Zilibele Mtumane, Gcinile Beuty Thwala


THE PROCESS OF DEVELOPING CURRICULUM MATERIALS: SHARING EXPERIENCES

Volume 77, Nov 2021
doi: 10.21506/j.ponte.2021.11.2

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Abstract: The purpose of this article is to explore the process of developing curriculum materials that involves the following stages, planning, drafting, editing, refining and reviewing course materials and also to explain what is involved at each stage by giving examples from an area of specialization. This article elaborated that lecturers could recognize the mindset of the student and that lecturers are conscious around the learning approaches and education plans. It was demonstrated in this article that lecturers perform the part as assessor as well for the valuation of education products. This further provided a surety that the lecturer can play different roles such as a developer, leader, constructor of information, manager, investigator, and systems analyst. This in conclusion means that lecturers could contribute an essential part in the development of curriculum expansion for lecturer teaching and students learning.

Author(s): Jeremiah Madzimure

MORPHOLOGIC INVESTIGATION OF SUBCHRONIC FORMALDEHYDE INHALATION ON RAT BRAIN TISSUE

Volume 77, Nov 2021
doi: 10.21506/j.ponte.2021.11.4

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Abstract: Background/Objectives: The purpose of our study was to investigate the effect of formaldehyde (FA) on different parts of rat brain tissue. For this purpose, we determined BDNF and S100 expression levels by immunohistochemical methods and examined cell death via TUNEL method in rat brains exposed to subchronic FA doses. \nMethods: 24-Wistar albino rats were randomly divided into three groups: control group (CG, n=8), low dose FA group (LDG, n=8) and high dose FA group (HDG, n=8). LDG and HDG were exposed approximately 1 ppm and 10 ppm FA, respectively. Implementations lasted for 12 weeks. Inhalation period was 5 days a week and 4 hours a day. Finally, rats were sacrificed and brain tissues were gently removed. Brain tissue sections were stained with Haematoxylin-Eosin (H&E) for histopathologic examination whereas TUNEL method, BDNF and S100 antibodies were performed for immunohistochemical examination under light microscopy. \nResults: There was a significant decrease in body weights of rats belonging to HDG compared to the CG and LDG (p?0,05). In cortex, significant difference was detected between CG and LDG in terms of BDNF immunreactivity, whereas in thalamus and hippocampus, significant difference were seen between CG and both FA groups (p?0,05). Similarly, in cortex, there was a statistically significant difference between all groups for S100 immunreactivity. In thalamus and hippocampus, significant difference was only seen in LDG and HDG (p?0,05). In the TUNEL analysis, a statistically significant increase was observed in the apoptotic index values of both FA groups compared to the control group.\nConclusions: According to our findings, in FA groups, BDNF expression decreased while S100 expression increased. Apoptotic cell index results also supported increased S100 immunreactivity in FA groups. We suggested that FA exposure damaged to the different parts of brain tissue, caused neuronal-glial cell death and altered protein expressions.

Author(s): Rabia Tasdemir, Tuncay Çolak, Belgin Bamaç, Süreyya Ceylan, Selenay Furat Rençber