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Dr. D.S. Merchant's Articles in Finance

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  • History of Stock Exchanges
    The courratiers de change were concerned with managing the debts of agricultural communities on behalf of the banks and these men also traded in debts. These men were the first brokers.

    In the middle of the 13th century, Venetian bankers traded in government securities. In 1351, the Venetian Government outlawed spreading rumors about lowering the price of government funds. Because of this rumor people in Pisa, Verona, Genoa and Florence also started trading in government securities which was possible because there were independent city states ruled by a council of powerful citizens during the 14th century.
  • Focus Humanitarian Assistance
    FOCUS Humanitarian Assistance is an international group of agencies established to compliment and facilitate the provision of emergency humanitarian assistance in specific regions of Africa and Asia. This global institution with an international mandate, seeks to enable the local jamats to prepare for hazards, respond to crisis situations, and where possible, to avert disaster or minimize its impact. FOCUS meets its challenging and growing mandate through the dedication, energy and intellect of hundreds of volunteers and professionals who form the backbone of FOCUS.
  • Dower and Dowry
    The word for dower generally used in the Koran is ajr (pl. ujur), meaning reward or the gift that is given to the bride. The word saduqat (pl. of saduqa) is also once used in the Koran to denote the nuptial gift (4:4), and the other words from the same root, signifying dower are sudaq and sidaq. The verbal root word sadaqa means he was truthful. Another word sometimes used in the Koran to indicate the nuptial gift is fariza means what has been made obligatory or an appointed portion. The word mahr used in the hadith means dowry or nuptial gift. It is a free gift by the husband to the wife at the time of contracting the marriage: "And give women their dowries as a free gift" (4:4).
  • Donation
    The English word donation is borrowed from the Latin, donaire means present. It is an action or faculty of giving or presenting. It includes presentation, grant, bestowal or gift. The tradition of donation goes back to the Islamic period. The Koranic message specifies to participate in the cause of God by giving money. The word infaq means to spending benevolently, occurring seven times in the Koran (2:195, 261, 262, 8:60, 9:34, 47:38, 57:10), such as: "The parable of those who spend their wealth in the way of God is as the parable of a grain growing seven ears with a hundred grains in every ear; and God multiplies it for whom He pleases" (2:261), and "And the parable of those who spend their wealth to seek the pleasure of God and for the certainty of their souls is as the parable of a garden on an elevated ground" (2:265).
  • Didar
    "The Persian word didar is derived from didan means meeting, beholding or seeing. In Ismaili terminology, it denotes the beholding the Imam of the age. It is a means to strengthen the heart, cooling the eyes, refresh the faith and earn guidance and blessings of the Imam. When one is graced with the didar, he feels that he is newly born, and acts what the Imam imparted. The didar does not mean mere an act of looking the Imam. It needs the eyes of the knowledge and faith and without it the purpose does not solve. The Koran says, "And you see them looking towards you, yet they do not see" (7:198). It implies that there was much difference between the looking of the believers and unbelievers to the Prophet. Generally speaking, there are three types of didar: the exoteric (zahiri), esoteric (batini) and spiritual (noorani), but our discussion here covers only the exoteric didar.
  • Dasond
    The culture of decima or tithe (old English teogothian) was common among the Babylon. The discovery of old clay tablets in 1966 however reveals that it was prevalent long before the civilization of the Babylon. Tithe or tenth part was a customary tax in ancient Egypt, Syria and Greece. Cyrus caused his soldiers to devote tenth of their booty to Zeus. Zoroaster imposed tithe on traders and market dealers for the welfare of the priests.
  • California Lemon Law
    Since Lemon Laws vary from state to state so accurate information on the scope and restrictions of Lemon Laws in a particular state can be obtained from an attorney practicing in that state.

    In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit.

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