The Literature of Medieval Research Paper Topics

<h1>The Literature of Medieval Research Paper Topics</h1><p>Medieval explore paper points can be utilized to give a connection between sociology and crafted by medieval history. These medieval papers can be utilized in one of two different ways. One, they can be utilized in the study hall as a major aspect of a bigger organization course, or two, they can be utilized as showing helps in the schools and universities.</p><p></p><p>There are numerous reasons that the medieval period in Europe is so persuasive in the scholarly field. For one, it is to a great extent viewed as the best time of cultural advancement on the planet. Nonetheless, it is likewise essential to consider the impact of medieval history as a result of the enduring impact it had on the present points of view of society and individuals who live in current times.</p><p></p><p>The medieval period in Europe was a one of a kind one for in any event four sign ificant reasons. For one, there was an absence of focal power to police the working of the normal man. For one, there was no settled legislature of the time. From numerous points of view, the various realms were a result of one another, every ruler filling the role of his lord.</p><p></p><p>Additionally, for some explanation, this additionally gives off an impression of being the first run through in history where all religions were viewed as the acknowledged rendition of their separate world perspectives. In spite of the fact that religion can be a zone of conversation for present day society, it appears that for some explanation, the individuals of medieval Europe saw themselves to be equivalent to every other person on the planet. Besides, they additionally tried to better themselves through information and comprehension. This expanded the intellectualization of life in general.</p><p></p><p>It is critical to recollect that the medi eval period and the utilization of the customary report and thinking of medieval history is just a single conceivable way that cutting edge society can gain from this exceptional period. Then again, it can likewise be utilized as a showing help in the schools and colleges. This should be possible by introducing the material in a type of a discussion or as a case study.</p><p></p><p>On the one hand, one of the upsides of utilizing medieval research paper themes as instructing helps is that understudies will see the a wide range of types of medieval investigations. This will be of specific assistance to those understudies who are keen on both the investigation of history and in the investigation of history as a piece of the investigation of sociology. Also, it can assist understudies with seeing the various perspectives that individuals used to reach resolutions. For instance, it can assist understudies with perceiving how individuals saw all the various things that are occurring at the time on the planet, which encourages them contemplate their dynamic process.</p><p></p><p>But there are likewise a few worries with utilizing medieval research paper subjects as educating helps. One of the fundamental concerns is that medieval creation of records is regularly questioned. For one, as a rule, the individuals who guarantee to have made the record are not the genuine creators of the document.</p>

Look Profitability Evidence From Bangladesh Finance Essay - Free Essay Example

Abstract: This study examines the impact of liquidity on Islamic banks profitability during an 11 years period of 2001 to 2011. To explore and interpret the results the study has taken samples from five Islamic banks that have been in operation in Bangladesh on or before 2001 to till date. In order to construct the liquidity model it used four liquidity variables namely cash due from banks to total assets (CDTA), cash due from banks to total deposits (CDDEP), investment to total assets (INVSTA) and investment to total deposits (INVSDEP). According to adjusted R squares profitability variables return on assets (ROA), return on equity (ROE) and return on deposits (ROD) are respectively 17.1%, 4.5% and 24.6% dependent on independent variables. The statistical results suggest that CDTA is found insignificant with all profitability variables, whereas CDDEP is individually significant with all profitability variables except ROE. On the other hand INVSTA and INVSDEP are recognized significant with all three profitability variables. However, when ROE stands for an insignificant relationship with the overall liquidity model, ROA and ROD are identified significantly correlated with the similar model at 1% significant level. The findings do strengthen the specification that the impact of liquidity reflects adequate imposition on profitability that the Islamic banks in Bangladesh must abide by. Keywords: Dependency level; Islamic Banking Goals; Liquidity ratios; Profitability ratios; Significance level. JEL Classification: G21 Introduction Business in Islam has always been viewed as an opportunity for potentials as long as it stands on moral and ethical grounds and conforms to the Islamic code of conduct. The actual role of Islamic bank inherits in promoting and empowering the banking services and product based on Islamic principles. The main principles of Islamic banking comprise of prohibition of interest in all forms of transactions, and undertaking business and trade activities on the basis of fair and legitimate profit (Haron and Shanmugan, 1997). But according to Islamic principles, reward, i.e. profit without sharing the risks or hazards in the economic understandings is totally prohibited. Perhaps, the most significant risk of an Islamic bank is to build a sound liquidity management. Islamic banking has gained much popularity in Bangladesh over the last few years. There is a high demand for interest-free banking services from a segment of people in Bangladesh who have a strong desire to abide by the rules and principles set by Shariah. Along with religious requirement, economic exigencies provide a new outlook to the role of banking in promoting investment / productive activities, influencing distribution of income and adding stability to the economy. The downturn in the United States in the late part of 2008 led to a dramatic downturn in businesses and financial institutions, not only in the United States but other countries as well (Lau, 2008). It affected the world stock markets and made large financial institutions to either go bankrupt or sell off their shares to the public (Anup, 2009). But surprisingly it could not affect the Islamic banking industry as much as expected. Most banks now keep protective reserves on top of planned reserves. Excess liquidity is reported in nearly all Islamic banks (Ali and Howlader, 2005). Due to unavailability of local capital market, Islamic banking sectors have been suffering from investing idle fund in liquid venture (Rashid and Nishat, 2009). Excess liquidity generated by Islamic banks cannot be easily shifted to conventional banks as the Islamic banks do not accept interest; however there is opportunity for exchange of excess funds among the Islamic banks on a Mudarabah / Musharakah basis. However, the scope of cooperation among this field can only be increased if their numbers are increased. So, what should be the crucial choice of an Islamic bank; whether to take fundamental choice of profit maximization or to concern more on assurance of liquidity in any banking business under Islamic principles? Possibly the answer could rise if we can have ideas on how liquidity position affects Islamic banks profitability. Analysis of financial statement has become very significant due to widespread interest of various parties in the financial result of a business unit. As a Muslim community, Bangladesh and its people are in greater interest for a Shariah approved banking system. The question from the people arise when t here are any lacking in response to customers demand (liquidity risk) as well as any deficiency in showing upward banks value (profitability risk). Consequently this is a demand of time now to evaluate the impact of liquidity risk on profitability for overall Islamic banking industry in Bangladesh, as this paper attempts to find. Literature Review Banks today are under great pressure to perform- to meet the objectives of their stockholders, employees, depositors and borrowing customers, while somehow keeping government regulators satisfied that the banks policies, loans and investments are sound (Rose, 2004-2005). At present a lot of countries around the world having twofold banking system, as interest free banks are functioning parallel to conventional banks (Akhtar, Ali and Sadaqat, 2011). In Islam, profit is simply a reward of taking risk. So, it should be a natural outcome of the fair play of the twin forces of demand and supply in the market (Latif, 1982). On the other hand liquidity implies availability of cash that how bank rapidly may convert its assets into cash to meet the need of short term. It is considered that it is life of the banks. Higher amount of the liquid assets reflect the greater liquidity of the firm (Akhter, Raza, Orangzab and Akram, 2011). The essence of liquidity management problem arises from t he fact that there is a trade-off between liquidity and profitability and mismatch between demand and supply (Khan and Ahmed, 2001). While the bank has no control over the sources of fund (deposits), it can control the use of funds. To support their depositors demand, banks need money, or in other sense the power to create money. That is why Akkas (1982) suggested that commercial banks should be compelled to keep reserves up to the full amount of their deposits, a reserve of 100 percent. Islamic principles are always in favor of non-inflationary economy. Therefore, bringing a kind of equilibrium between demand and supply for investible funds appears to be a major concern for financial intermediation (Siddiqui, 2010). But, it is to be noted that Islamic market mechanism does not support the concept of equilibrium price, rather, acts as the instrument to meet the effective demand of a consumer.  [1] Not only does Islamic banks profitability seem less volatile than that of convent ional peers, but it is also higher on average, at least in the GCC region (Hassoune, 2002). Haron (2004) said that liquidity, funds invested in Islamic securities, total expenditures and the percentage of the profit-sharing ratio between the bank and the borrower of funds are highly correlated with the level of total income received by the Islamic banks. At the same time external factors such as interest rates, market share and size of the banks produce the similar kind of effects. He also added that other determinants such as funds deposited into current accounts, total capital and reserves, the percentage of profit sharing between bank and depositors, and money supply also play a major role in influencing the profitability of Islamic banks. Return on assets is a good sign to determine banks financial performance and supervisory efficiency. It shows how competent the administration is in allocating asset into net profit. The higher the ROA, the higher is the financial performanc e or profitability of the banks (Samad, 2004). Return on equity measures the rate of return on the bases of capital and equity capital (Akhter, Raza, Orangzab and Akram, 2011). This ratio shows how bank can create profit with shareholders invested funds. Its increasing value indicates higher financial performance. Like ROA, ROE is also an indicator for managerial efficiency (Ika and Abdullah, 2011). Return on deposits shows percentage return on each currency of customers deposit. In other words, it indicates the effectiveness of bank in converting deposit into net earnings (Rosly and Bakar, 2003). However, profitability is only part of bank performance story (Samad and Hasan, 1999). Cash in a bank vault is the most liquid asset of a bank. Cash assets include vault cash held on bank premises, deposits the bank holds at the Central bank in its district, deposits held with other banks to compensate them for clearing checks and other interbank services, and cash items in the process of collection (Rose, 2004-2005). A higher cash-deposit ratio indicates that a bank is relatively more liquid than a bank which has lower cash-deposit ratio. Depositors trust to bank is enhanced when a bank maintains a higher cash-deposit ratio. On the other hand an increase in loan-deposit ratio indicates that a bank is in more financial stress by making too much loan. Therefore, lower loan-deposit ratio is always favorable to higher loan-deposit ratio (Samad and Hasan, 1999). Loans-assets ratio measures the percentage of assets that are tied up in loans. The higher the ratio, the less liquid the bank will be (Samad, 2004). While making significant progress in return on assets (ROA) and return on equity (ROE), the liquidity performance of Bank Islam Malaysia (BIMB, the single full-fledged Islamic bank in Malaysia) between 1984-89 and 1990-97 in various measures such as cash-deposit ratio, loan-deposit ratio and current ratio showed neither deterioration nor improvement (Samad and Hassan, 1999). Chowdhury and Ahmed (2009) investigated that total deposits of Islami Bank Bangladesh Ltd. was higher in comparison to some non-Islamic banks during 2002 to 2006. Saifullah (2010) argued that Islamic banks in Bangladesh are superior to Conventional banks after an overall assessment of financial performance including liquidity and profitability position. When making comparisons across firms (or over time), it is useful to control for differences in their resource base (Foster, 2002). At the same time liquidity of those resources is of paramount significance for banks (Maheshwari and Maheshwari, 2002). Akhtar, Ali and Sadaqat (2011) found positive but insignificant relationship of size of the bank and net-working capital to net assets with liquidity risk in Islamic banks. In addition return on assets (ROE) in Islamic banks is found to be positive and significant with liquidity risk at 10% significant level. A study over determinants of Jordanian Islamic banks pro fitability revealed that there are significant and positive relationship between Return on Assets and Provision for Credit Facilities + Interest in Suspense / Credit Facilities, Total Equity / Total Assets and Total Income / Total Asset of the Islamic banking, and there are significant and negative relationship between ROA and the Bank Size, Total Liabilities / Total Assets, Annual Growth Rate for Gross domestic product, Inflation Rate and Exchange Rate of the Islamic Banking. Also this study found that there are significant and positive relationship between Return on Equity and Log TA, TL / TA, TI /TA and ERS of the Islamic banking, and there are significant and negative relationship between ROE and PRFCFI / CF, TE / TA, GDPGR and INF of the Islamic Banking (Khrawish, Siam and Khrawish, 2011). Naceur and Goaied (2010) investigation regarding the determinants of the Tunisian banks performances during the period 1980-1995 showed that the principal determinants of a banks performan ce are by order of importance: labor productivity, bank portfolio composition, capital productivity and bank capitalization. Athanasoglou, Delis and Staikouras (2008) examined the profitability behavior of bank-specific, industry-related and macroeconomic determinants, using an unbalanced panel dataset of South Eastern European (SEE) credit institutions over the period 1998-2002. The estimation results indicated that, with the exception of liquidity, all bank-specific determinants significantly affect bank profitability in the anticipated way. The paper concludes with some remarks on the practicality and implements ability of the findings. Using bank level data for 80 countries in the 1988-1995 periods, a study suggested that interest margins differences and banks profitability reflect a variety of determinants such as; bank characteristics, macroeconomic conditions, explicit and implicit bank taxation, deposit insurance regulation, overall financial structure, and several underl ying legal and institutional indicators (Demirgà ¼Ãƒ §-Kunt and Huizinga, 1998). Shahchera (2012) analyzed the impact of liquid asset holdings on bank profitability for a sample of Iranian banks. Applying the Generalized Method of Moment (GMM), this study analyzed the profitability of listed banks using unbalanced panel data over the period of 2002-2009. An important finding of this study is that the business cycle significantly affects bank profits. The coefficient of regulation is negative and significant. Therefore if regulators reduce the constraints imposed on banks, banks obtain profit. Liquidity is of vital importance to the daily operations of a bank. Maintenance of a sound liquidity position of the bank is necessary to protect the bank against uncertainties of its business. Maintenance of liquidity bears both risk and return. A tradeoff between these two elements can minimize the conflict between liquidity versus profitability of a bank (Islam, 2008). As stated by Islam (2008) Koch (1992) believed that there is a short-run tradeoff between liquidity and profitability. The more liquid a bank is, the lower are its return on equity (ROE) and return on assets (ROA), all other things being equal. Therefore, statistical significance of liquidity on profitability can be a great factor for potential investors. In a nutshell the influence of Islamic banks liquidity cannot be negligible when considering profit as their most vigorous concern. Methodology 3.1 Sample Design and Data Collection In Bangladesh, currently seven Islamic banks are providing their services as pure Islamic banks and running their operations under the guidance of Islamic Shariah. Among them, five Islamic banks have been selected to investigate the impact of Islamic banks liquidity risk on profitability over the period of 11 years during 2001 to 2011.  [2]  Selected Islamic banks are- 1. Islami Bank Bangladesh Limited 2. Shahjalal Islami Bank Limited 3. Al-Arafah Islami Bank Limited 4. Export Import Bank of Bangladesh Limited 5. Social Islami Bank Limited The data used in this study are compiled from income statements and balance sheets of selected banks from their each year annual report. The study model is tested on time series cross-sectional bank level data in the context of Bangladesh over the period 2001 to 2011. Thus, present study has been conducted taking into account a total samples of [5ÃÆ'Æ’-11] 55 under each variable. 3.2 Explanatory Variables To analyze the liquidity impact on profitability using multiple regression analysis, variables were assigned into two sections- Dependent Variables: Return on Assets = Net Income after Taxes / Total Assets Return on Equity = Net Income after Taxes / Total Equity Capital Account Return on Deposits = Net Income after Taxes / Total Deposits Independent Variables: Cash Due from Banks to Total Assets = Cash Due from Banks / Total Assets Cash Due from Banks to Total Deposits = Cash Due from Banks / Total Deposits Investment (Loans Advances) to Total Assets = Investment / Total Assets Investment (Loans Advances) to Total Deposits = Investment / Total Deposits 3.3 Research Model and Hypotheses The current research is being conducted to evaluate the impact of liquidity on profitability by applying multiple linear regression model which had previously been developed and applied by Demirgà ¼Ãƒ §-Kunt and Huizinga (1999), Haron (2004), Athanasoglou, Delis and Staikouras (2008), Toni (2008), Naceur and Goaied (2008), Saleem and Rehman (2011), Khrawish, Siam and Khrawish (2011), Shahchera (2012) and many more in essence of their contribution to banking, economics and finance. Utilizing the similar model these preceding studies focused on assessing diverse determinants of Islamic banks profitability. Present study used the same model but for only to strengthening on liquidity variables in order to demonstrate their impact on profitability. Current research model is as follows- Where, ROA = Return on assets ROE = Return on equity ROD = Return on deposits CDTA = Cash due from banks to total assets CDDEP = Cash due from banks to total deposits INVSTA = Inve stment (loans advances) to total assets INVSDEP = Investment (loans advances) to total deposits ÃÆ'†°Ãƒ ¢Ã¢â€š ¬Ã‹Å" = constant term ÃÆ' ¡Ãƒâ€šÃ‚ µÃƒâ€šÃ‚ ¦ = slopes associated with the independent (liquidity) variables i = banks t = time ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ = error term To do the analysis following two hypotheses were designed: There is an insignificant relationship between liquidity and profitability, i.e. H0: b1 = b2 = b3 = b4 = 0 (null hypothesis) There is a significant relationship between liquidity and profitability, i.e. Ha: b1 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b2 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b3 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b4 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   0 (alternative hypothesis) 4 Statistical Results and Analyses The statistical analysis of secondary data has been divided into three dimensions, i.e. descriptive, correlation and regression. All the statistical tests have been performed through SPSS V15.0. 4.1 Descriptive Statistics Table 1 shows descriptive statistics for dependent and independent variables. The analyzed statistics figures illustrate the mean, standard deviation, maximum and minimum values of Islamic banks. The statistics suggest irregular drawbacks in minimum value of ROA ROD, even more in ROE, leading to a dramatic decrease in percentage return for overall Islamic banking industry.  [3]  The mean value of dependent variables imply that maximum portion of banks income goes for shareholders, as here ROE indicates greater outcome in percentage return in comparisons to ROA or ROD. However, according to the statistics, the fraction of investment in total assets and total deposits exceeds cash due from banks to a great extent if we take a look at their mean values. Table 1 Descriptive Statistics Minimum Maximum Mean Std. Deviation Dependent Variable ROA -4.85 3.07 1.2060 1.05572 ROE -176.07 38.81 15.8591 27.86636 ROD -5.20 3.66 1.4722 1.22965 Independent Variable CDTA 9.94 82.12 21.4307 12.59587 CDDEP 11.62 95.43 25.3715 14.06618 INVSTA 13.33 82.51 70.2224 11.45243 INVSDEP 15.49 103.86 84.2804 15.55431 Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) 4.2 Correlation Matrix The correlation coefficients are stated in Table 2. This gives information on the degree of correlation between all the dependent (profitability) and independent (liquidity) variables used in the analysis. The opportunity has been tested with the Pearson correlation coefficients test. The result indicates that the liquidity variables CDTA and CDDEP are negatively related with all selected profitability variables. On the other hand, the remaining two liquidity variables INVSTA and INVSDEP are positively related with all three profitability variables. Table 2 Correlation Matrix of Profitability and Liquidity Variables ROA ROE ROD CDTA CDDEP INVSTA INVSDEP ROA 1 ROE .905** 1 ROD .994** .867** 1 CDTA -.232 -.062 -.260 1 CDDEP -.206 -.048 -.226 .993** 1 INVSTA .222 .037 .252 -.945** -.936** 1 INVSDEP .326* .115 .376** -.896** -.856** .950** 1 Pearson Correlation Coefficient ** Correlation is significant at the 0.01 level (2-tailed) * Correlation is significant at the 0.05 level (2-tailed) Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) 4.3 Regression Results Tables 3, Table 4 Table 5 report the results of regression analysis in which four independent variables are regressed by using the data of Islamic banks of Bangladesh from 2001 to 2011. The adjusted value of R squares indicate that ROA, ROE and ROD of Islamic banks of Bangladesh are respectively 17.1%, 4.5% and 24.6% dependent on independent variables, i.e. CDTA, CDDEP, INVSTA and INVSDEP. Therefore, as liquidity factor, these four variables are considered major issues to defining profitability of Islamic banks in Bangladesh over eleven years period. Table 3 Regression Results of ROA (2001-2011) Model 1 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 2.125 3.118 .681 .499 CDTA .293 .186 3.502 1.576 .121 CDDEP -.274 .161 -3.652 -1.699 .096* INVSTA -.194 .074 -2.110 -2.630 .011** INVSDEP .159 .054 2.343 2.948 .005*** R squared .233 Adjusted R squared .171 F statistics esults 3.792 P-value .009*** Durbin-Watson 1.635 *** Significant at the 1% level ** Significant at the 5% level *Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) Table 3 shows that CDTA and INVSDEP are positively correlated with ROA. Alternatively CDDEP and INVSTA show negative relationship with ROA. With an exception to CDTA; rest independent variables CDDEP, INVSTA and INVSDEP are significantly correlated with ROA at 10%, 5% and 1% significant level in that order. Durbin-Watson test shows that the residuals are positively correlated. At overall 1% significant level as per p-value the liquidity model [Model 1] is significantly correlated with ROA. So the null hypothesis (H0) is rejected and alternative hypothesis (Ha) accepted here. Table 4 Regression Results of ROE (2001-2011) Model 2 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 77.929 88.349 .882 .382 CDTA 7.326 5.277 3.312 1.388 .171 CDDEP -6.960 4.571 -3.513 -1.523 .134 INVSTA -4.796 2.096 -1.971 -2.289 .026** INVSDEP 3.492 1.528 1.949 2.285 .027** R squared .116 Adjusted R squared .045 F statistics 1.637 P-value .180 Durbin-Watson 2.024 *** Significant at the 1% level ** Significant at the 5% level * Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) Table 4 represents that CDTA and INVSDEP are positively correlated with ROE. At the same time CDDEP and INVSTA create negative correlation with ROE. Here, only INVSTA and INVSDEP are found significant with ROE at 5% significant level. As Durbin-Watson statistic is approximately very close to 2, therefore the residuals are uncorrelated. However, according to p-value the overall liquidity model [Model 2] is not significantly related with ROE at any formulated level. Thus the null hypothesis (H0) is accepted for the relationship of liquidity and profitability (ROE). Table 5 Regression Results of ROD (2001-2011) Model 3 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 2.433 3.464 .702 .486 CDTA .340 .207 3.480 1.642 .107 CDDEP -.317 .179 -3.631 -1.771 .083* INVSTA -.245 .082 -2.284 -2.985 .004*** INVSDEP .202 .060 2.557 3.373 .001*** R squared .302 Adjusted R squared .246 F statistics 5.404 P-value .001*** Durbin-Watson 1.599 *** Significant at the 1% level ** Significant at the 5% level * Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) As demonstrated in Table 5 ROD has positive relation with CDTA and INVSDEP, and negative relation with CDDEP and INVSTA. Here, only insignificant variable is CDTA. CDDEP is significantly related with ROD at 10% level. At 1% significant level both liquidity variables INVSTA and INVSDEP are detected statistically significant with ROD. Durbin-Watson test indicates positive autocorrelation for the residuals. As per p-value the model [Model 3] is statistically significant with ROD at 1% significant level. As a result here the null hypothesis (H0) is rejected and alternative hypothesis (Ha) accepted. 5 Conclusion The current study marks the very first attempt to analyze liquidity impact on Islamic banks profitability in Bangladesh during the period 2001 to 2011. Major parts of the study results reveal greater dependency of banks profitability on liquidity. Specifically cash due from banks to total assets is not significant with any profitability variables. Cash due from banks to total deposits is found insignificant with ROE, but significant with ROA and ROD at 10% significant level. Other two independent variables investment to total assets and investment to total deposits are individually and significantly correlated with all selected profitability variables. Investment to total assets is significant with ROA and ROE at 5% significant level and with ROD at 1% significant level. On the other hand, investment to total deposits is significantly correlated with ROA and ROD at 1% significant level and with ROE at 5% significant level. The entire liquidity model is found statistically signifi cant with ROA and ROD at 1% significant level. The reason to discover ROE less dependent and insignificant with the overall liquidity model is possibly due to that huge loss in foreign transaction by Shahjalal Islami Bank Limited in the financial year 2004. However, adding further liquidity variable to the model may make it more or less significant with profitability. In addition, it should also be said that liquidity is not the single reason to defining Islamic banks profitability. Therefore, in any affair, current study serves as initial movement, leaving spaces for future researches to enhance and enrich its outlook.

Medicines Essay Topics - Helps You Write Essays That Stand Out

Medicines Essay Topics - Helps You Write Essays That Stand OutThere are many different topics in a medicine essay. While there is some duplication, it will be important for you to be able to differentiate between the various types of topic, and then come up with a unique argument or idea that will help to stand out from the rest. The first thing that you should do is to identify the sections in which you will need to focus.Some people will choose to focus on only one particular field, while others will need to go into detail about the medical perspective. One medical perspective can include a drug or chemical therapy, but another may focus on a family's stance on natural cures for cancer. There are many different methods to treat a disease, but each method can have its own set of advantages and disadvantages.This will depend on which type of medicine or medical perspective you choose to write about. As a rule of thumb, the more general the topic, the easier it will be to make an impa ct on the reader. This means that if you choose to talk about an autism patient, or a child with Tourette's Syndrome, you will need to be able to relate your writing to others who might be experiencing similar situations. You need to be able to explain what is common to both of these children so that they can relate to the medical treatment or care that you are describing.Medicine essay topics are divided into two main categories, primary and secondary. Primary topics, which are usually focused on children and teenagers, are focused on current health problems. Secondary topics may involve general health, the future, or events in the past. While some children and teenagers need to be written about older adults, as a rule of thumb, you will need to write about young adults if you want to achieve your goal of getting published.Of course, medicine essay topics may vary based on the type of medicine that you will be discussing. Natural cures and treatments for cancer are going to differ from alternative methods of treating a child with Autism. Many of the different topics involve different perspectives on an illness or treatment, which will also play a role in how you write about them. For example, a person who has had a long history of depression may be better served by writing about current treatments for depression rather than talking about natural cures.Of course, you cannot just look at a given subject and assume that your medicines essay topics will be similar to theirs. There will be many different opinions on a particular subject, and you will need to be able to make sure that you give strong arguments and represent all sides of the argument. To do this, you will need to take into consideration the background of the audience that you are writing for.Writing for a class, on the other hand, will be more one-sided, as the teacher will likely already have a view on what he or she would like to see written about. It will be important to remain objective, while w riting on the side of a doctor for example. If you are writing on behalf of a terminally ill cancer patient, it is important to write about treatments for their condition, and not about the possibility of the person living longer.It is important to write your medicine essay topics in a way that relates to the audience, as well as being impartial. Before you begin writing, take the time to think about what the topic will be about, and then let your natural sense of interest come into play. Being able to get a point across and be heard is essential, and you should know that you will need to write a lot if you want to stand out from the rest.

Get Better Results From Research Paper Examples

Get Better Results From Research Paper ExamplesResearch paper examples are not only for academic institutions but also for businesses and even households who want to improve their work performance. If you need a good way to present your ideas and show it in an entertaining way, a research paper is what you need.Research paper examples can be used for both internal and external purposes. One of the main objectives of such a paper is to present your ideas clearly and effectively. At the same time, it also provides you the flexibility to revise and refine your findings without feeling pressured to do so.You don't have to be an expert in order to write a research paper. You just have to be familiar with a certain topic and be willing to give it a try. With such guidance, it will be possible for you to write the best paper in the shortest time possible.Besides, such paper examples are also useful if you want to write the perfect proposal for a new product or service. By just showing it to some colleagues and friends, you will be able to determine which idea you really like and which one isn't worth investing your time in.In any case, the main objective of the research paper is to get your ideas across clearly and concisely. In this case, you would be able to develop your research into a systematic and well-structured document. Also, you will have the freedom to change any aspect of your work in the future.Turabian research paper examples allow you to write a rough draft on your own and then submit it to the publisher for consideration. In this way, you will be able to have a look at how it would turn out and if you think it can be revised, you will have the chance to do so without having to pay for a whole new document. With research paper examples, you can also get all the necessary information about the process. In other words, you can get a better understanding of the step-by-step procedure that you can follow. Plus, you will be able to find out which parts of th e procedure you will need to focus on and what things are essential in making your research paper successful.