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“Transaction Cycle

1- Discuss in detail the various functions involved in “Transaction Cycle

2-Review the information about types of insurance and identify that in each of the following cases, which type of insurance will be applicable for insured:

Insurance that covers movable property. An example of such kind of property could be a tourist’s personal property.
Insurance that covers the loss that arises due to sickness and by visiting to a doctor.
Insurance covers the risk of insured arises because of an accident when he was driving his car and got damage in the vehicle.
Insurance that covers damage of the house property of policyholder.
Due to short circuit, building owned by insured got a fire and got loss of significant items.
3-. Differentiate between conventional insurance and takaful system focusing on the three elements that makes the conventional insurance (haram) prohibited under Islam laws

Sample Solution

m to another group. The most well-known moral dilemma is probably “The trolley problem”. In this story, a trolley that cannot be stopped is going to run over five people. The good news is, if someone pulls the brake, the track under would be switched to aside. Nevertheless, another person is tied on the track as well, if the person making decision wants to save five people, the redirected trolley would kill him. In general, is one life less valuable than five? For utilitarians, killing the one person does not seem to bother them. As mentioned before, utilitarianism is about maximising the happiness. Saving five lives would be more important for increasing pleasure overall. In Crockett’s (2016) explanation, “The utilitarian perspective dictates that most appropriate action is the one that achieves the greatest good for the greatest number.” Although killing one person seems wrong, the consequence of saving 5 lives would make it moral in utilitarianism. In contrary, deontology insists for no matter what reason, performing murder is always immoral and against basic principles. Crockett (2016) stated that from deontological point of view, killing is simply wrong, even if it brings benefit. Deontologists argue that human lives can definitely not be used as the means to an end, which means lives cannot be used as tools for an desired outcome. To summarise, morality theories disagree with each other in this dilemma. This conflict shows how different morality theories set various standards for what is moral as well. Morality causes controversy in not only dilemmas but also existing problems in the world right now. In particular, philosophers are now discussing if automatics should be programmed to kill in extreme situations, especially self-driving cars. The companies and the engineers for the driverless cars are now participating in studies of morality, to see who the car should kill when the brake does not work. Surveys about this question are put on a website called Moral Machine and people around the world are all taking part in the surveys. Yet the results have much diversity around the world, according to Maxmen (2018), and only some moral standards are shared globally, such as saving humans in the price of pets. Most people choose to save the most, which is quite a utilitarian decision, and it is acceptable in Edmonds’ (2018) opinion. He thinks “when it comes to machines we will be more tolerant of their making utilitarian decisions.” At the same time, deontologists refuse to make immoral choices in this case that is similar to the trolley problem. Edmond(2018) further argues as humans we still have some deontological sets of mind, that in instinct we would not be willing to use human to save a human. The Kantian theorists explain that it is always the best to stop the car instead of hitting someone. In this case, utilitarianism does seem more practical because decisions have to be made, whether moral or not, but deontology reminds us these situations are extremely rare. The self-driving car problem shows the same debate philosophers had as the trolley problems, and morality seems even more complicated when it is applied to the real possible problems. Despite the argument, there are some areas where utilitarians and deontologists reach to agreement with different perspective but the same conclusion. One of these issues is meat-consuming. Both theories state that it is immoral to eat meat out of different reasons. Bentham, the father of utilitarianism ment
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