Ar-Rahnu (Islamic Pawning Broking) Opportunities and Challenges in Malaysia
This paper aims to identify the key factors that have contributed to the existence and the growth of Ar-Rahnu (Islamic pawn broking scheme) in Malaysia. Based on the previous studies and cost of borrowing analysis, this paper found that the need for interest (riba) free, transparent transaction and low cost short-term cash borrowing scheme is much preferred by the pawning customers. Besides that the cost of borrowing in this scheme is the lowest compared to the conventional pawn broking scheme. However, the Ar-Rahnu scheme needs to address central issues such as the marketing, public awareness and the locations of this scheme.
PELUANG DAN TANTANGAN GADAI EMAS (RAHN) DI INDONESIA: SEBUAH TINJAUAN KONSEPTUAL
Gold pawn (rahn) is needed as a new alternative for micro financing in Islamic financial institutions. This study aims to analyze opportunities and challenges of gold pawn (rahn) in Indonesia after release of Bank Indonesia Circular Letter No.14/7/DPbS about qardh gold-backed products for Islamic Bank and Islamic Business Unit. Gold pawn can be alternative for consumers to get easy money and have a fast process. Keywords: Gold pawn, Rahn, opportunities, challenges and Bank Indonesia Circular Letter No. 14/7/DPbS
Ceramic microwave antennas for mobile applications
Due to their medium to high permittivity values, ceramic microwave materials are attractive as building blocks for miniaturised antenna solutions. Further advantages are low dielectric losses and an excellent temperature stability of standard ceramic materials. Yet, the permittivity of the ceramic material also has a strong influence on the radiation efficiency and bandwidth of the antenna. This implies that in the design process a suitable compromise has to be found between the degree of miniaturisation on the one hand and the antenna efficiency and bandwidth on the other. We describe two approaches towards efficient miniaturised ceramic microwave antennas: the dielectric resonator antenna (DRA) with partial metallisation and the shorting post patch antenna. We focus on design steps taken to ensure both a high degree of miniaturisation and high values of the radiation efficiency, the choice of the ceramic material and the experimental performance of the antennas.