Where to Find How to Start a Paper about Yourself

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College Essay Samples - Where to Find Them

College Essay Samples - Where to Find ThemYou are now facing the difficult task of finding essay samples that would best fit your needs. Finding quality essay samples for college essays is more important than ever, because you will be expected to write a one-page college essay at your next writing assignment. It will not be easy, but there are several methods that you can use to find essay samples that are rich in detail and style.The first place to look for essay samples is in the writing software of the college that you want to attend. Your school's writing software program is likely to have sample essays available that can give you an idea of how a certain type of essay should be written. Often, writing programs can give you a list of samples that have been written by previous students, giving you a better sense of what it would be like to be writing a college essay for that particular student.It is also good to look at these samples before you begin working on your final product. Sometimes, there will be minor differences between what the writing program gives you and what the final product will look like. Some programs may allow you to insert photographs and diagrams for extra flair, while others may not. Make sure that you know ahead of time what type of essay will be required, and then use the sample to your advantage.The Internet resources listed below are some of the best resources to help you find college essay samples. A number of sites allow you to create your own unique website where you can showcase your essay, while others offer free essays. For those that need to print high quality essays, the best resource to turn to is usually a college writing program that offers ready-made worksheets. These types of programs make it easier to determine the type of college essay that you will be required to write.E-zine publications are another great place to find essay samples. Often, these publications will have a guest column from a professor of some kind. This allows you to hear directly from someone who has already written a college essay. This is a great way to get a sense of the requirements that are typical, and a fresh look at your own writing skills before you begin working on your final draft.Another great place to look for essays is in family heirlooms. Sometimes, an old essay gets passed down to the children as part of a family heirloom. You may find an essay that a brother or sister wrote for a class assignment, or that a father or mother wrote as a child.Listening to others talk about their own essays is another great place to look for essay samples. Many people love to speak about their favorite essays, especially those that are long over due for publication. In addition, the bookstore and college bookstore are other good places to find essay samples, but make sure that they are not stuffed into a volume that is too small for the essay to be fully appreciated.Once you have found the resources that you will use to find co llege essay samples, just remember that it is all up to you as to what format you will use. It can help to feel your way through it if possible, but that is up to you and your personality.

Use The UCDC Essay Samples For Your Essay

Use The UCDC Essay Samples For Your EssayWriting your UCSD Exam Center College Essay is not an easy thing to do, as it requires much passion and dedication. You have to make sure that your essay is organized, well-structured and all those vital points are included in it. However, the whole thing can be possible with the help of UCDC essay samples. It is indeed the best thing you could possibly do if you need to write an essay, especially UCSD one.Before you get started writing your UCSD College Essay, make sure that you have done some preliminary research. Make sure that you know what's needed in your UCSD College Essay. This way, you would not waste your time reading through pages of garbage that had already been written by other students. Moreover, you would know that you have done the right thing. After all, we all know that this is not easy to do at all.With the help of the UCDC essay samples, you would be able to write one essay after the other with no problems. It would take yo u less than an hour to write an essay. If you use a professional grade, you would find that it is well organized and has a great sense of style. This will definitely impress your professors and the rest of the exam center staff. What could be better than this?UCDC essay samples are made from many kinds of sources. However, most of them come in the form of scripts. Even if you use the paper of a college student, the assignments would still remain just the same.As you know, the content of the essay samples depends on the level of writing that you are doing. It would be more appropriate for you to understand and analyze the type of writing you are doing. If you arenot a natural writer, you may find the level of your writing very low. Therefore, you should choose something that is suitable for you. The best thing to do is to select a course of study that would enable you to handle writing and grammar.UCDC essay samples would surely help you with these things. With the help of these samp les, you would also be able to learn the tricks of the trade when it comes to writing an essay. What's more, it would definitely boost your confidence. All these would help you write well, as well as to choose the correct words and phrases in your paper. For that reason, you would find that you have more respect for yourself.Yes, the UCDC essay samples would truly help you with all your writing needs. What's more, they are an investment that you can benefit from. As you would never find yourself not knowing what to say in your UCSD College Essay, this would really be an investment for you. It is really worth it.

The Negative Effects Of Internet Essay - 2505 Words

The negative effects of Internet Nowadays, Internet become the most important thing in real life of each person because people can use the social network such as Facebook, Twitter, Instagram, and Youtube to communicate with each other.The fact is that most of people know how to use Internet from children to adult. The most common technology devices these days are tablet, computer, laptop, and smartphone. They like it because they can do whatever they want on the Internet with these devices. Besides communicating, people also use Internet to listen music, watch movies or films, and play video games. The social networks is created to help connect people with someone who far away or making new friends. Social networking will become the most helpful thing if people know how to use it in the right way. However, there are many negative effects from Internet to people. What is the negative effects of Internet to teenagers? In fact, besides the advantages of social networking, there are many disadvantages about using social network like Internet addiction, cyberbullying and miscommunicate with the world. Most of the suicide case of students relate with cyberbullying. Indeed, cyberbullying is one of the most dangerous thing which affects negatively to Internet users. Teenagers should be careful when making friends with unknown people on social Tran 2 networks and should try to avoid talking with them. Internet contains many negative effects like cyberbullying, virtual world, andShow MoreRelatedThe Negative Effects Of The Internet911 Words   |  4 PagesThe world wide web otherwise called the internet came about in the 1960s and was primary used for researchers and academia. But since the 1990s, the internet has had that revolutionary effect on the culture and commerce in our society. This includes communication by email, instant messaging, internet phone calls. In addition, there is also the world wide web with discussion forums, social networking sites, and online shopping sites which several amount of people, despite their generation have utilizedRead MoreThe Negative Effects Of The Internet885 Words   |  4 Pageshile the internet can be useful for some aspects of our lives, it also has negative effects on todays youth. It seems as if everyday technology is advancing to make our lives simpler. As it continues advanc ing to assist us, its taking away from important aspects of our lives. There are some reasons why the internet has negative effects towards our society. In todays society we do more more virtual communication rather than face to face communication. This is due to the internet and social mediaRead MoreInternet Negative Effects891 Words   |  4 PagesThe Internet is a technology that has negative impacts on our daily lives. It has changed aspects of our life for the last 50 years, and it has demonstrated the considerable influence on people’s lives. Almost 3.2 billion people in the world use the internet. The Internet has gained acceptance across the globe, and it has also become central to the critical changes experienced in today’s society. Some of the changes are social isolation, health disorder, a lack of privacy and internet addiction.Read MoreNegative Effects Of The Internet1229 Words   |  5 PagesJake Njootli MMC 110 23 September 2017 Negative impact of Internet convenience on its users The convenience the Internet provides in our daily lives is having an adverse impact on its users. Being able to socialize, shop, and access incredible amounts of information at the press of a button has swiftly changed the dynamics of society in the last 20 years. This sudden development of being able to manage our lives through the Internet has negatively affected those who rely on it too much. ConsumersRead MoreNegative Effects Of Internet Addiction808 Words   |  4 PagesNegative Effects of Internet Addiction Currently, people utilize the internet frequently a lot of type of internet addiction. Some youngsters, however, are addicted to the internet. They spend more time playing online games and watching TV shows on the internet, which means they stop going outside with their friends and even if stop going to schools. Internet should benefit people. But a number of people are controlled by internet. In other words, internet addiction will influence people in someRead MoreThe Negative Effects Of Internet Dependency1235 Words   |  5 Pages An Argumentative Essay on the Negative Effects of Internet Dependency How much mental capacity does an individual have? Cognitive physiologists have found that the length of a memory depends on how it is encoded. Encoding is the process in which information is computed and stored in the long term and working memory. Long term memory has an extremely large capacity and is able to hold information for months or even years, while working memory is very closely related to what we refer to as attention;Read MoreNegative Effects Of Internet Censorship791 Words   |  4 PagesInternet censorship is controlling the content that can be viewed on the internet. It is all around us and you may not even realize that you have encountered it, whether it has been at school or work. In school, you are not allowed to access certain websites and search results may be filtered. Schools do this to keep harmful content from the students, but it also limits research. When you are at work, your employer does not want you looking at inappropriate websites or things that may distract youRead MoreThe Negative Effect of the Internet on Children776 Words   |  3 PagesIt is researched that the internet has both negative and positive effect on children. According to the kaver S, Robert E, Patricia M, Galerie J and Colette B on internet and children, the use of computer is more of disadvantage than advantage. It is of good benefit for children to know how to use the computer for educational purposes, which may include surfing educational articles and school homework. The effect of children not having access to home computer can vary depending on the personalityRead MoreThe Negative Effects Of The Internet On Youth997 Words   |  4 PagesThe Negative Effects of the Internet on Youth â€Å"The internet has been a boon and a curse for teenagers†. This quotation by author, JK Rowling is really the basis of my paper. Rowling acknowledges that the internet is a blessing for teenagers to have. Which is very true; the internet is incredibly useful in many ways. It is an infinite wealth of information, a convenient communication tool, and makes completing school work easier than ever. However, in addition to noting that the internet can be aRead MoreThe Negative Effects Of Internet Addiction1134 Words   |  5 Pages The internet can change the life. Peoples lives are becoming more and more efficient, especially after the development of the Internet. Nowadays, internet addiction is beginning to spread among people, especially for people who do not have enough self-control and cognitive power. People tend to indulge on the internet, cut off the connection with the real society, and make the distance between people more and more far away. More terrible things are disorders will be born due to internet addiction

Jessicas Letter to Shylock Essay Example For Students

Jessicas Letter to Shylock Essay All you shall have left of me are mere words written upon a page and a memory. I hope it is a fond memory, despite what I have done. And although I very much doubt it, I hope and pray you may understand the reasons that led me to take such drastic measures. I hope and pray that somehow you may forgive me. Father, I understand that you tried to raise me as best you could when my mother sadly departed this world. But the truth is that no can ever take my mothers place. And despite your best efforts, you and I are simply not alike. Sometimes I admit I am ashamed to be your daughter, if for no other reason than how you act and what you say. It has come to a point where living In this very house is torture to me. It is foolish to pretend we are happy living together as father and daughter, for we are anything but happy. We are different people who merely lead live similar lives. It is something which I have been content with until now. However, circumstances have changed. I cannot continue to lead your life any longer, father. I must lead my own. And my own heart and soul now belong to the Christian Lorenz. I know you must feel outraged at this, and I know also that you would never accept a union of any kind between your daughter and a Christian. But have you ever asked yourself why, father? Why do you hate Christians? Is it because they despise you and your faith? If such Is the case, I see no deference between the atrocities Christians commit against Jewish people and what your own hatred leads you to do. That being said, I do not hope to convince you that not all Christians are to be hated. I know that your own stubborn mind will never agree with me, and I know that there is no other way for me to be with Lorenz. I have left because I want to become a Christian and marry the gentleman I love. I have left because I have decided that coexisting with my father Is unbearable. I have left because I had no other choice. I take some ducats with me merely to ensure my own survival. I take my mothers ring to remind me of her, but I promise you I shall never let it out of my sight. My mother will always be with me. And, if you wish me good fortune and a happy marriage in your prayers at night, then you shall be with me too. I will listen for your prayers. Forgive me. All my love,

Why do we see so many depictions of wild animals in ancient Mediterranean

Several animals were depicted in ancient Mediterranean. In Greece, Egypt, Cyprus, Crete and other kingdoms in Persia, animals were depicted for various purposes and meanings. Depictions were in different forms of art.Advertising We will write a custom essay sample on Why do we see so many depictions of wild animals in ancient Mediterranean? specifically for you for only $16.05 $11/page Learn More Most documented information in Egypt, Greece, Crete and Cyprus shows that animals were depicted mainly as statues and figurines. Some are common to all cultures while others are unique to one. In Egypt, animals living around Nile were depicted although many people had not seen them. Hunters occasionally saw and caught them while hunting. The most dominant animals in Egyptian depictions were falcon headed giraffes and leopards with long necks (Dunn, 2011). During the middle kingdom, dogs and monkeys were depicted on walls of tombs (homes) of high ranking official s in the kingdom (Edwards, 1977). Double headed bull was on some artifacts (Dunn, 2011). In Crete, several animals were depicted on walls. The most common animals included goats, monkeys and birds. Several bronze artifacts in Crete had depictions of lions. There were several animals depicted on seals in ancient Crete. Most seals had depictions of lions, cattle and monsters. Neopalian frescoes had depictions of lions and monkeys (Shapland, 2010). In his article, Kawani (1986) showed that the most common depictions in parts of Greece were large dogs, bulls and goats. Other common depicted animals were lions. Purposes of wild animals depictions in ancient Mediterranean Depictions on various surfaces had different purposes. The main purpose was to enhance religious connection with gods, and the dead. Sometimes depictions were used for aesthetic value. Others represent events or activities that had occurred.Advertising Looking for essay on archeology? Let's see if we can help you! G et your first paper with 15% OFF Learn More Some were done for intellectual reasons. During Predidynastic period in Egypt, luxury objects showing scenes of fantastic wild animals were made for royal kings and other prominent people. Depictions which represented prestige were made on ivory plagues and knives handles. In ancient Egypt, some depictions were done to create demonic animal not found in nature. Demonic were not considered evil but had the ability of protecting one from evil deeds. The ones found on ceremonial slates palettes, ivory plagues and knives handles represented inspired models from Mesopotamia. During middle kingdom, animals represented class. They were found at homes of powerful individuals only. However, some artist did depictions out of curiosity (Dunn, 2011). After hunting, prominent people made depiction of themselves hunting in the desert to act as reminder. Dogs depicted with features of wild animals increased prestige of the dog’s owner as a fierce, legendary or ferocious hunter. According to Dunn (2011), some depictions were thought to poses demons and had magical protective powers which frightened malevolent beings. They were offered to young mothers. The purpose was to protect them from demons which cause sickness. Surfaces of walls depicted with wild animals had scripts of sacred Osiris which showed that they were not considered evil. Many people in Egypt thought Serpopard had the ability to attack other animals and protect them. And just like in Egypt, bulls were considered a source of protection in Greece (Edwards, 1977).Advertising We will write a custom essay sample on Why do we see so many depictions of wild animals in ancient Mediterranean? specifically for you for only $16.05 $11/page Learn More In various parts of Greece, sculptures of small dogs were made in buildings mainly for protection. Dogs were chosen because they were faithful. They were also perceived to be a connecti on between god, man and the dead. In Athens, dog statutes were erected in front of tombs as guards. Statutes of dogs in several homes were erected to show that the owners were hunters Kawani, 1986). The purpose of some depictions in Greece was to strengthen cultures and ties between kingdoms. Sculptures of bulls appearing in cultures of two kingdoms showed strong connection between them. Some of the artifacts were made by same artists or were copied from the other cultures. Bronze and golden bulls were curved for aesthetic purposes. Some prestigious places including palaces had depictions of bulls with no religious purposes. Most of them were copied from Iranian depictions which were considered to have aesthetics value. There was a great love for animals in Persia which was signified using animal depictions. Wild goats in Persia were a sign of royalty. Depictions of wild goats were common in buildings of royal families and wealthy people. In Crete, depictions of lions showed that on e or some groups of people were hunters. Seals depicted with images of lions were worn by individuals so that they can be identified as hunters (Shapland, 2010). It has been argued that seals were used in documents. Owner of a seal depicted with a lion showed that he was as fierce as the lion. The seals represented characters of individual owners. Several individuals or groups of people who compared themselves to lions had depictions of this animal. Mycenaean depictions contained men tackling lions with daggers.Advertising Looking for essay on archeology? Let's see if we can help you! Get your first paper with 15% OFF Learn More This in itself shows that lion hunting was an important ideology for warriors in Mycenaean. Depiction of lions was a sign of strength. According to Shapland (2010), cattle were depicted more frequently than other wild animals because they had been domesticated. The artifacts reinforced multiple identities of cattle and their users. Various seals had depictions of cattle, goats and other wild animals being speared to show hunting. These animals were hunted and eaten as shown in some seals. To emphasize on their activities, owners of talisman seals had fish and nets depicted on them to show that they were fishermen. Depictions of wild goats on rocky landscape illustrated the place they used to hunt. Sometimes, goats were depicted together with women to illustrate females as deities. Various depictions of Minoan art had animals on varied landscapes which suggested a single assumption that the world had a lot to be discovered. Depiction of various animals on seals in ancient Catalhoyuk was a sign that its people were religious. Various rituals were shown using wild animals on walls. Hunting activities were directly linked to Mortuary in Catalhoyuk. As a result, wild bull horns were depicted on tombs and burial buildings. Furthermore, a depiction of wild bull and several hunters showed that many hunters were required to capture a bull. Social activities such as dancing, music and feasting were depicted by figurines of wild bulls accompanied with drums and music. Meaning of wild animals depictions in ancient Mediterranean Depictions on various surfaces had different meanings. Seals with lions depicted on them were used for economic transactions. Use.of lions on some seals meant they were used for legal exchange of property or services. Seals or fresco of lions meant that the owner was strong as a lion. Depictions on gates of buildings were meant that people could identify places where rulers lived easily. Rulers considered themselves to be strong politically, physic ally and emotionally. This was depicted by lion’s images on their seals and frescoes. Some depictions had lions attacking other animals like wild goats and cattle. This was meant to show that a lion was more dangerous than other animals. Some seals depicted with images of lions meant that the user had encountered lions (Shapland, 2010). Depiction of monkeys on frescoes meant that they were under human control. In some villas, monkeys were depicted climbing trees to show their main activities. In Egypt, Serpopards meant that its owner was a long distant traveler. Griffin depictions for kings meant that they were powerful in ancient Egypt. Desert animals on artifacts meant that its owner dwelled at the desert. Depictions of rare animals on artifacts meant success in hunting the animals. Lions were hunted and depicted on seals to prove the success. Domesticated animals like cattle and goats were not indigenous to Crete. Depictions showing them being speared, means that they were hunted (Shapland, 2010). According to Dunn, (2011), depictions of several animals on walls in ancient Egypt meant that the owners were zoologists. Though not entirely true, some prominent people wanted to be known as zoologists or great hunters. Depictions of dogs with lion’s features were meant to make them stronger in their guardian jobs (Kawani, 1986). Conclusion In ancient Mediterranean, dogs, bulls, wild goats and lions were depicted. Lions were common because of their superiority in the jungle. On the other hand, wild bulls were considered to be aesthetically valuable. Cattle and goats were wild but later domesticated in Crete and other cultures in Mediterranean. Depictions were generally used to protect individuals and communities against evil. Pride and prestige were common purposes of depiction especially for hunters and rulers. Some were used to pass information. Meanings of depictions included successful hunting, dwelling environment, power, security and individua l activities. The meanings varied from culture to culture but most of them were common. Works Cited Dunn, Jimmy. Beasts of Ancient Egypt. 2011. Web. Edwards, Ionwerth S. Tutankhamun: His Tomb and Its Treasures. New York: Alfred Knopf and the Metropolitan Museum of Art, 1977. Print. Kawani, Trudy S. â€Å"Greek Art and Persian Taste: Some Animals Sculptures from Persepolis.† American journal of archaeology 90.3 (1986): 259-26. Shapland, Andrew. â€Å"The Minoan lion: presence and absence on Bronze Age Crete.† World Archaeology 19.3 (2010): 27-109. This essay on Why do we see so many depictions of wild animals in ancient Mediterranean? was written and submitted by user Jocelyn King to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Islamic banking sector

Islamic banking sector Abstract Dubai, in the United Arab Emirates (UAE), has a vibrant Islamic banking sector. The region has over 50 banks with upwards of 40 foreign banks office representatives. Largely oil revenues fuel the United Arab Emirates economy, which serves as an enhancement for profitability of these banks.Advertising We will write a custom proposal sample on Islamic banking sector specifically for you for only $16.05 $11/page Learn More The key aspects of the Islamic banks in the region are the profit and loss sharing, transparent dealing, lack of interest, lack of speculation and no gambling. The banks also do not deal with unethical business and have just policies of employment. Dubai bank is the example used to support the Islamic bank concept in the Middle East. Many previous works have been undertaken in this field with no clear-cut research on its drawbacks. This document aims to support research on the customer perspective of the benefits and loops of the Isl amic banking concept. Customers of the Islamic banks weigh various options while considering the services offered. The banks are non-remunerative with extra returns for depositors of deposit accounts. There is greater risk in adjusted returns for customers who invest in Islamic banks indices. This study aims to characterize the problems endured by the Islamic banks and together with their customers. Secondary data studies were used as customer sample from Dubai bank. Findings will indicate the problems encountered by the Islamic banks. The study will look into the legal system, political issues, risks, low profitability, loans, lending rates, management and limited transparency. The quality of service that is offered and client problems will also be looked into. Introduction Background Information The new millennia brought in new features and changes in the banking industry key of them being banking systems. The tremendous changes in the industry can be linked to the need for better customer friendly service.Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More These custom-made changes were to aligned to maintain completion with other institutions in the same field and keep up with economic and political developments globally. The Islamic banks were developed due to religious requirements; hence, the competitive edge in the global field was edged out. The Islamic banks cannot compete globally and are ranked poorly out of the top hundred brackets. It is inevitable for the Islamic banking industry to explore future limits for a clearer vision to predict challenges obstacles and effective counter measures. Most of these banks operate well in specific environments. It is estimated that Islamic banking systems manage over US$ 250 billion with clientele around the world. Their client base is not restricted to Muslim countries but is spread well over Europe. The Isl amic banking system continues to grow tremendously. There are more than 260 worldwide Islam financial institutions in operation. Dubai Islamic Bank is the first fully-fledged Islamic bank. It has combined the best Islamic values and their traditional values as well. This is coupled with advanced technology and innovations of modern banking at its best. Dubai Islamic Bank was formed in 1975 and is established as a leader in the field of Islamic banking. The trend of Islamic banking is on the rise in the Arab world, and the Dubai Bank is a front-runner for others. Islamic banking is the fastest-growing economic agent in the world that comprises of many institutions with billions of dollars in assets under management. The role of Dubai Islamic Bank is impressive and the bank is true to its clients and roots. It is religiously and customer-centered institution with personal service and understanding. Significance of the study This study is vital for it will create information on the Isl amic bank clients’ reaction towards the Islamic institutions system of banking. The main consideration is the prohibiting of interest generation as per Islamic laws. The study is also aimed to provide more information on client benefits in the Islamic system compared to those in conventional systems of banking.Advertising We will write a custom proposal sample on Islamic banking sector specifically for you for only $16.05 $11/page Learn More The benefits of the Islamic banking system are also subject to customer satisfaction, therefore, it is vital that the customers opinion on this area be viewed which the study aims to do. The study aims to make contributions, based on client responses, to socio-economic grasp on the Islamic banking systems and assist the clients make decisions on which system comprehensive choice in conventional systems of banking or Islamic systems of banking. Problem Statement The key aspects of the Islamic systems of banking in the region are the profit and loss sharing, transparent dealing, lack of interest, lack of speculation and no gambling. The banks also do not deal with unethical business and have just policies of employment Dubai bank is the example used to support the Islamic bank concept in the Middle East. Many previous works have been undertaken in this field with no clear-cut research on its drawbacks. This document aims to support research on the customer perspective of the benefits and loops of the Islamic banking concept. Customers of the Islamic banks weigh various options while considering the services offered. The banks are non-remunerative with extra returns for depositors of deposit accounts. There is greater risk in adjusted returns for customers who invest in Islamic banks indices. The findings of the study will aim to assist clients and potential clients make a clear decision on the banking systems. The Islamic banks are flourishing due to demand rather than supply. Therefore, thei r customer feedback will give a clear picture of customer satisfaction. This will assist it attaining indicator from the banks growth. Sharia laws have been enforced in many Arab nations and its teachings and laws propel more and more Muslims to be clients of the Islamic banking systems. This can be seen as the driving factor to the banks development.Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More This will therefore, mean that the banks are profiting from a client base that dejects it. The faith based concept of the Islamic banking system drives of many potential non-Muslim clients. The fact that religious wars in Islam have caused many grievances to the rest of the society, many perceive association of the banks with funding of unjustified holy wars. The concept of behind running the Islamic banks is a key indicator of the clients’ belief in the system. If the clients do not comprehend the working of the system, they will feel oppressed in that their money does not earn interest and yet the banks gain from their deposits. Policies of customer assistance in Islamic products will seek to address their reaction towards the Islamic system and the understanding of its functionality. Objective of the Study The general objective of this comprehensive study is to examine the customer awareness of Islamic systems of banking; this will look into their reaction of the performan ce and profit-and-loss sharing and recommendations for improvement generated. Specific Objectives To understand the customer reaction towards the Islam banking system To create recommendations of Islamic banking improvement based of the client feedback Hypotheses What are the customers’ views on Islamic banking system? In which way do the Islamic banking clients want their banking institution to change? Literature Review Islamic banking uses the principle of moneys not earning interest (Duncan 97). This ban is based upon Islamic ruling called Shariah. Since Muslims are not allowed to gain or pay interest, they are cannot conduct business with many conventional banks. To service the Muslim market, Islamic institutions of banking developed a wide range of financing instruments that do not gain interest (halal). The halal conforms to the Shariah ruling and is acceptable to the Muslim fraternity. Many Arabians before Islam, and later in Islam practiced this interest-free conc ept. For centuries, the banking system was used on a small scale, in the early 1970’s its commercial application started being used in the public domain. From this time, the concept has become a worldwide phenomenon. The concept has succeeded in many Islam countries, hence, the study on customer opinion and recommendations on growth. The lack of awareness of the key principle is the main point behind the constricted growth. The system would have achieved worldwide success amongst non Muslim and Muslims if the principles were highlighted clearly to impending clients. The religious concept has kept constricting the growth of the institution. Several surveys have been undertaken in the area to assist researchers understand the attitudes towards Islamic banking systems (Gafoor 69). These researches provide useful background information in the area of study. Most of these researches show that the client would generally be accepting of the Islamic banking systems if they were educa ted on their policies. Better understanding of their policies would establish a good relationship between clients and the organization. Ghannadian (41) conducted a study on perceptions customers toward Islamic banking in Malaysia. Many respondents proclaimed the main reasons for Islamic banking selection are based equally on economic considerations and religion. Majority of the clients also found the marketing of the product to be vague. The media has also errantly portrayed the Islamic banking concept. The international media perception of the Islamic banking system is hostile and undermining according to Arab news chief editor. Despite this fact, many respondents of that study believed that the industry had grown tremendously. Ghannadian (32) put forward that Islamic banking organizations should tremendously improve their services for customers satisfaction in their wants and requirements. In another study, quality of service is portrayed to be very important as an indicator for c ustomer understanding and customer satisfaction. Quality service delivery as per to customers expectations is vital. Gounaris (64) looked into the quality of service in the banking industry in greece and found an alternating influence per dimension of quality of service to the customer satisfaction. To retain the long-term customers and maintain an edge in the market service quality, it is vital and the key differentiation. In the financial sector, understanding customer’s expectations and needs is essential as a prerequisite. In Dubai, customer perception of quality of service is significantly different from conventional banks in the Islamic banking system. There are four dimensions reflected when comparing the Islamic banking systems and conventional system of banking. The values, image, reliability and personal skills are significant for the running of the conventional banking system. On the other hand, only value and skills are important in the Islamic banking system. Bet ter service delivery will in turn generate a lot o satisfied clients and consequent growth of the organization and its concepts. There were investigations by Boyd on selection criteria used by the institution. He based the ideas on demography and found many differences in quality of service and demography. In Muslim countries, males are made to do the financial obligations. Methodology There is a requirement for convincing evidence base to carry out this study. The evidence will guide the general process that generates the document. This process will use information sources extensively utilizing both traditional and other sources. It will make sure that adequate resources and information on Islamic banking systems is sort from a large collection of literature on the subject matter. To gain the objectives targeted, a process will be put in place that fast tracks attainment materials. These processes will be interlinked, for efficiently generated information. The process will involve both quantitative methods and qualitative methods for the generation of information. The qualitative methods will entail Methods used quantitatively will entail the following: Desk reviews of important data and previously complied reports available to gain a variety of aspects to be analyzed. No Main Objective Approaches for methodology 1 Undertake a critical, elaborate and comprehensive analysis of the present customer opinions on Islamic banking system Desk review and analysis of available data Literature reviews 2 Develop key recommendations on issues affecting Islamic banking systems Literature review The process will need consideration before hand of data available and more information on the Islamic banks to assess their quality, efficiency and effectiveness. Study Design This will be a descriptive study. It will also contain cross-sectional study to determine the opinions of customers on Islamic banking systems. The study targets customers of Dubai bank in the Unite d Arab Emirates. The Study Population The study will target a general cross-section of customers of the Islamic banks. This is to attain first hand information from the situation experienced by customers of these banks. A specific target population of customers of the Islamic bank of Dubai will be used. Sample size Determination There will be a sample size of 500 Islamic bank customers.The sample size will be determined using Fisher et al, (1999) formula, i.e. n =Z ²*pq/d ². Where n is the needed sample size, z is the normal standard deviate which is given as a constant of 3.24 which corresponds to 99% confidence interval, p is percentage of targetable customers. This gives a prevalence of 45% d is the degree of accuracy, and q is given as (1-p) which is 1-0.45=0.55 The sample size will be based on the precision (p- value = 0.45), and so n= {(3.24) ²*0.045*0.55}/ 0.05 ² n= 380 The sample size is increased to 600 in order to account for potential missing clients, refusals, an d spoilt questionnaires. (5% of 380) Data collection instruments The study will utilize highly structured interviewer administered questionnaires will be used. The tool will be subdivided into sections. It will be written both in multiple languages including Arabic and English. Pre-Testing of Tools The data collection tool will be pre-tested in selected areas in to assess its effectiveness and the feedback from the pre-test will be used to make the necessary adjustments on the tool. Training of Research Assistants To ensure quality data is collected, the researcher will recruit exceptionally qualified local enumerators. They will be trained for 4 days to attain certain skills and knowledge required to enable them produces results. They will be made familiar with interview conditions and variables being studied. They will be taken through interview schedules, question by question and they will be shown how to conduct interviews. Data Analysis Different analytical techniques will be u sed. The analysis on the awareness level on cervical cancer among women will be analysed using percentages. This approach has been used to explain the determinants of customer relations in Islamic banks in India. Relationships between categories of variables will be analysed using the Chi-square test. Chi-square testing has been used to explain relationship of determinants of willingness to go for screening for breast cancer among women in United Kingdom (Bose 68). The data analysis was both manual and electronic. The initial exercise of the data analysis started with the harmonization of dummy tables required to guide on the variables for electronic manipulation. Frequencies of identified variables were run in SPSS some of which were exported to Microsoft Excel for generation of graphs and charts. Various variables were also summarized manually in tables to assist in the analysis. Data Computerization and Verification I entered the data. Data was entered into Key Informant Questio nnaire (KHI) files. Quality control was conducted by systematic checking for outliers, coding errors, and impossible results. Statistical Package for the Social Sciences (SPSS) was used for data analysis. Data cleaning At the end, of the data collection Manual data cleaning of questionnaires’ conducted. All queries and concerns were harmonized to ensure uniformity as prepared to develop the data entry screen. Data entry screen Data entry and manipulation was to be done in the Statistical Package for Social Scientists (SPSS). The screen merged and harmonized into one Master sheet. Data entry Data entry was conducted. All the entered data was merged into one data set Master sheet. Ethical Considerations The research will be presented to Universities administration for clearance and approval. The document will be presented to other interested stakeholders. Participants in the research will be required to consent to participate. The purpose and objectives of the study, assurance of confidentiality and voluntary participation, anonymity, perceived benefits and possible risks before participating in the study will be explained to them. The participation will be voluntary. Dissemination Plan The result will be disseminated to the University and required Islamic banks institution. Further dissemination shall be through seminar presentations, workshops and report prints Limitations, delimitations and assumptions Assumptions For the project, the researcher assumes that the participants of his survey differ in attitude, experiences and perceptions. Other assumptions are that the participants understand the purpose of the survey and they respond accurately and honestly to the survey. Delimitations The study delimits to a specific banking institution. The customers come from one institution for easier control of participants. Bose, McGee. Islamic Investment: Risks and Returns. New York: Cengage Learning, 2008. Print. Duncan, Edmund. Efficiency, customer service an d financial performance. Dhabi: Inter. J. Bank Mark, 2004). Print. Gafoor , Michael. Commercial Banking Interest-Free. Washington: Noordeen, 2006. print. Ghannadian , Fred. Economy banking development: Islamic banks. New York: Sage, 2004. Print. Gounaris Seth. Service quality: Islamic Banking. New York: Routlegde, 2006. Print.