Judo

Introduction:

With the widespread adoption of digital banking and electronic payment systems, bank cards have become an integral part of our everyday lives. This study aims to investigate the variations in bank card usage across different geographical locations. By examining various factors influencing card usage, such as cultural, economic, and technological aspects, we can gain valuable insights into the global trends and patterns of electronic payments.

Methods:

To conduct this study, data from a wide range of geographical locations were collected, including developed and developing countries from different continents. The dataset comprised information on bank card transactions, including online and in-store purchases. Variables such as the frequency of usage, transaction amounts, and types of purchases were considered for analysis.

Results:

The results of our analysis reveal interesting patterns in bank card usage across different regions. In developed countries, a higher level of technological infrastructure and socio-economic stability contributes to increased card usage. In contrast, developing nations exhibit a more gradual transition, with a preference for cash transactions due to limited access to banking services and digital payment platforms. However, with the proliferation of mobile banking and e-commerce, these regions are experiencing a substantial growth in card usage.

Furthermore, cultural factors play a significant role in shaping bank card usage patterns. In some countries, particularly in Asia and the Middle East, society places great importance on interpersonal relationships. Consequently, cash transactions are favored over card payments due to the perception of it being more personal and trustworthy. On the other hand, countries with a more individualistic culture, such as the United States and Western European nations, exhibit a higher reliance on bank card transactions.

Another key finding is the variation in the types of purchases made using bank cards. In European countries, cardholders tend to use their bank cards primarily for day-to-day expenses, including groceries, utilities, and transportation. This preference can be attributed to the convenience and security offered by bank cards, as well as the prevalence of contactless payment solutions. In contrast, in emerging economies, bank cards are often associated with big-ticket purchases, such as consumer electronics or high-end luxury goods.

Discussion:

The analysis underscores the need for further investment in infrastructure and financial inclusion initiatives to promote the adoption of bank cards in developing regions. Governments and financial institutions should focus on increasing access to banking services and educate the population on the benefits of electronic payments. Moreover, integrating cultural norms and preferences into the design of digital payment solutions can aid in overcoming resistance to card usage.

Conclusion:

This study provides a comprehensive overview of bank card usage across a wide geographical coverage. It highlights the influence of socio-economic factors, cultural preferences, and technological advancements on electronic payment adoption. Understanding these patterns can help financial institutions and policymakers develop tailored strategies to drive the adoption and acceptance of bank cards worldwide, leading to a Read More Here inclusive and accessible financial ecosystem.

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The meaning of Syafahulla is "may Allah SWT heal him." This word is used when someone expresses a prayer or hope to Allah SWT to heal a male person who is sick. In the context of syafahullah, the man referred to is the third person in the convers

Check Khodam

Presently, the trend of checking khodam is becoming a focal point on multiple online platforms, particularly on the TikTok app. Khodam, which is a term from Arabic meaning helper, guardian, or escort, is becoming an interesting topic of discussion due to its relation with supernatural beings thought to assist

Buya Yahya quotes a hadith from Sayyidina Zaid bin Arqam radliyallahu 'anh that he once saw a group of people performing the Dhuha prayer. Then he said, "Don't you know that prayer at this time is more virtuous? Indeed, the Messenger of Allah SAW said, the prayer of the awwâbîn (Dhuha prayer) is when the feet of young camels feel the heat of the ear

t Is Khodam?

Khodam is an Arabic term that means helper, guardian, or escort. In beliefs associated with the mystical realm, khodam is viewed to have a strong connection with humans as mystical creatures that assist or protect certain individuals. They can manifest in multiple forms, such as accompanying khodam believed to appear as a white tiger, dragon, snake, w

For example, if someone is working out of town and hears that their father has fallen ill, they can use the word "syafahullah" through their mother or another intermediary as a prayer or hope to Allah for their father's rec

m the jinn realm.

The concept of khodam is a human associate, which can be gained by a person through inheritance from predecessors or from one's own self. The application of khodam is the human power to interact with the supe

كَرِيْمُ

Allahumma ma "amiltu min 'amalin fî hadzihi sanati ma nahaitani 'anhu, wa lam atub minhu, wa hamalta fîhâ 'alayya bi fadhlika ba'da qudratika 'alâ 'uqûbatî, wa da'autanî ilat taubati min ba'di jarâ'atî 'alâ ma'shiyatik. Fa innî astaghfiruka, faghfirlî wa mâ 'amiltu fîhâ mimmâ tardhâ, wa wa'attanî 'alaihits tsawâba, fa'as'aluka an tataqabbala minnî wa lâ taqtha'

utting Nails

The next practice stressed in Islam on the night of 1 Suro is cutting nails. The Prophet Muhammad (PBUH) said, which means: "Five things are part of the fitrah (natural disposition): trimming pubic hair, circumcision, trimming the mustache, plucking armpit

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6).

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ng the Quran

The next practice encouraged in Islam on the night of 1 Suro is reading the Quran. Reading and pondering over the verses of the Quran, especially surahs that have special virtues, such as Al-Fatihah, Al-Ikh

ng netizens.

It should be remembered that this khodam checking service is actually meant for entertainment and fun only, not as a grave matter that should be believed. Nevertheless, this trend continues to be an fascinating topic of conversation and invites many people to participate in the shared excitement. So, for those who want to try, go ahead to check khodam thro

on's personality.

In Islam, there is debate about whether khodam is really a jinn or not. Some contemporary Salafi scholars and certain views from Islamic history allow the use of khodam, if they are indeed considered as jinn, with certain conditions and limitations. Nevertheless, this view contradicts the views of some scholars, such as Imam Ahmad bin Hambal, who considers asking for help from jinn or using them in certain contexts can lead

Unlike syafahullah and syafahallah which are expressions for third persons, the word Syafakillah is uttered directly to the person being addressed. This expression can be accompanied by other prayers such as, "Syafakillah syifaan ajilan, syifaan la yughadiru ba'dahu saqaman," which means "May Allah heal you quickly, with a healing that leaves no illness afterw

the screen.

The khodam results that appear can be very entertaining because they mix names with amusing types of khodam, such as "Angry dolphin", "Lovesick tiger", "Jasuke", "Badarawuhi", "Hallucin

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Peer pressure. Gang members tend to be young. There are five spices that are known as true members of this flavoring's family and they all come from the Boswellia genus. Proverbs 6:6 "Go to the ant, thou sluggard; consider her ways, and be wise:" Ecclesiastes 3:1 "To every thing there is a season, and a time to every purpose under the heaven:" Here are some Examples: We Live By the Word of God 1. Simeon: Luke 2:26 "And it was revealed unto him by the Holy Ghost, that he should not see death, before he had seen the Lord's Christ." 2. Wise men: Matthew 2:2 "Saying, Where is he that is born King of the Jews? Over the years, the reality TV world has seen some reality TV shows earn a lot of criticism due to their unpopular and controversial premise. They present a real danger to residents as attacks send over 500,000 people to the emergency room each year. The gelding’s driving victory over a muddy track at Louisville’s Churchill Downs marked the start of his fame. The pest controller will start by inspecting the stove and refrigerator, inside and out. The best thing you can do to keep wasps out of your home and yard is to observe proper sanitation, particularly around food.

k Something Halal

A Muslim is obligated to drink something halal such as water, milk, tea, and coffee. Prophet Muhammad SAW prohibited drinking anything intoxicating like khamr. When observing drinking milk on 1 Muharram, it's important to make sure that the milk being drunk is halal, in line with the etiquette of drinking as instructe

utting Nails

The next practice stressed in Islam on the night of 1 Suro is cutting nails. The Prophet Muhammad (PBUH) said, which means: "Five things are part of the fitrah (natural disposition): trimming pubic hair, circumcision, trimming the mustache, plucking armpit

ram, three times.

The transition of day and month in the Hijri calendar takes place at maghrib time, so this prayer should preferably be read before the approaching maghrib time. Here is the recitation of the end of year pr

ng the Quran

The next act recommended in Islam on the night of 1 Suro is reading the Quran. Reading and reflecting on the verses of the Quran, especially surahs that have special virtues, such as Al-Fatihah, Al-Ikh

One of the sunnah acts of worship that can be done daily is the Dhuha prayer. Citing the NU Online page, the time for Dhuha prayer is from when the sun ascends as high as one spear (seven cubits or 2.5 meters) until the time of zawâl (when the sun starts

owards the west).

Meanwhile, the charismatic scholar KH Yahya Zainul Ma'arif, also known as Buya Yahya, clarifies that the time for Dhuha prayer is after the sun is well above the horizon until just before it is directly overhead. As long as the sun is not right above one's head, it is still wit

tter than before.

In the book titled Misteri Bulan Suro: Perspektif Islam Jawa (2010) by Muhammad Solikhin, the sacredness of the one Suro night commemoration is often observed through Javanese communities such as the Solo and Yogyakarta palaces performing ceremonies and rituals, which persist to be inherited from generation

4).

Thousands of residents from the slopes of Merapi take part in the traditional ceremony of mountain charity by setting adrift a buffalo head, which is conducted every night of 1 Muharam or the night of 1 Sura according

Night of One Suro

The prohibition on marriage on the night of first Suro is especially implemented for communities in Solo and Yogyakarta. Some of them believe that holding a wedding celebration in the month of

ed by Ahmad)

The importance of drinking milk on 1 Muharram lies not only in physical purity, but also religious. Milk, which was selected by Prophet Muhammad SAW during the Isra' Mi'raj, represents innocence and virtue. By adhering to the manners of drinking as taught by Prophet Muhammad SAW, such as uttering the basmalah and using the right hand, this practice moreover reinforces the prayers and aspir

Drink Excessively

Allah SWT declares in QS. Al-A'raf: 31, "Eat and drink, but do not be excessive. Indeed, Allah does not like those who commit excess." Drinking in excess can lead to overhydration and brain function impairments. Following the advice not to be excessive when drinking milk on 1 Muharram is part of maintaining health and following the etiquette of drinking as taugh

Year Prayer

After reciting the end of year prayer, Muslims are encouraged to recite the beginning of year prayer on the night of 1 Suro or 1 Muharram. This prayer should ideally be read after maghrib time,

The sacred label attached to the night of one Suro or the month of Suro has resulted in the emergence of several prohibitions for the night of first Suro in Javanese society. Such as prohibitions against getting married, building a house, relocating houses, speaking, and many more. Individuals who break a number of prohibitions on the night of first Suro are believed to encounter

followers.

This surah delivers an important message that every hardship faced will be followed by ease. This is a guarantee from Allah to the Prophet that although great challenges are before him, he will ultimately gain victory and comfort. This surah also provides a assurance of a high status to Prophet Muhammad SAW as a prophet. Its message is the importance of patience in facing oppressi

nk While Standing

A hadith states, "None of you should drink while standing, if he forgets, then he should vomit." Drinking while standing can interfere with the balance of fluids in the body and damage the digestive system. Carrying out drinking milk on 1 Muharram while sitting, observing this suggestion, is part of the etiquette of drinking as demonstrate

ss and blessings.

KH Abdul Hamid also underlines the health merits of milk, particularly for children's growth and development. According to him, milk has been cited in the Quran and hadith as a drink abundant in grace. During the Isra' Mi'raj event, Prophet Muhammad saw selected milk when Angel Gabr

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Dhuha prayer is a sunnah prayer done in the morning. It starts when the sun starts to rise about a spear's length or after sunrise (around 07.00) until before the time of Dzuhur prayer when the sun has n

لِحِيْنَ

Arabic Dhuha Prayer in Latin: Allaahumma innadh dhuhaa-a dhuhaa-uka walbahaa-a bahaa-uka wal jamaala jamaaluka wal quwwata quw watuka wal qudrata qudratuka wal "ishmatta 'ishmatuk. Allaahumma in kaana rizqii fissamaa-i fa anzilhu wa in kaanafil ardhi fa-akhrijhu wa in kaana mu'assaran fayas sirhu wa in kaana haraaman fathahhirhu wa in kaana ba'iidan faqarribhu bihaqqi dhuhaa-ika wa bahaa-ika wa jamaalika wa quuwatika wa qudratika aatinii maa aata

Many people mistakenly define khusnul khotimah as departing in a good state. Nevertheless, this is not true. A change in just one letter or a small mispronunciation in Arabic can

khusnul khotimah.

Husnul means good while khusnul denotes shameful. Thus, the meaning of khusnul khotimah is a shameful end. Obviously, this will be disastrous if someone dies and then you speak or write, "may the deceased be khusnul khotimah" which means may they en

ss and blessings.

KH Abdul Hamid also underlines the health merits of milk, particularly for children's growth and development. According to him, milk has been mentioned in the Quran and hadith as a drink rich in benediction. During the Isra' Mi'raj event, Prophet Muhammad saw chose milk when Angel Gabrie

n Allaahumma in kaana rizqii fis-samaa'i fa anzilhu, wa in kaana fil ardi fa akhrijhu, wa in kaana mu'assiran fa yassirhu, wa in kaana haraaman fa tahhirhu wa in kaana ba'iidan fa qarribhu bi haqqi duhaa'ika wa bahaa'ika wa jamaalika wa quwwatika wa qudratika, aatinii maa ataita 'ibaadakash-shalihii

uhammad SAW said,

"Whoever prays Dhuha 2 units, they will not be included in the group of the forgetful/negligent. Whoever prays Dhuha 4 rakaat, will be included in the group of those who repent (return to Allah). Whoever prays Dhuha 6 units, their needs for that day will be met. Whoever prays Dhuha 8 rakaat, is included in the group of obedient servants. And whoever prays Dhuha 12 rakaat, Allah will build for them a house in paradise." (Narrated by

nblemished heart.

Cited from Nahdlatul Ulama's Aula Magazine July 2023 Edition, this tradition has long been and is practiced as a form of tafa'ul or hoping for good fortune. During the day, they also partake in foods that have symbolic meanings such as almond tea and honey to obtain

4).

Thousands of residents from the slopes of Merapi take part in the traditional ceremony of mountain charity by releasing a buffalo head, which is carried out every night of 1 Muharam or the night of 1 Sura according

you can utter is:

اَللّٰهُمَّ اِنَّ الضُّحَآءَ ضُحَاءُكَ وَالْبَهَاءَ بَهَاءُكَ وَالْجَمَالَ جَمَالُكَ وَالْقُوَّةَ قُوَّتُكَ وَالْقُدْرَةَ قُدْرَتُكَ وَالْعِصْمَةَ عِصْمَتُكَ اَللّٰهُمَّ اِنْ كَانَ رِزْقِى فِى السَّمَآءِ فَأَنْزِلْهُ وَاِنْ كَانَ فِى اْلاَرْضِ فَأَخْرِجْهُ وَاِنْ كَانَ مُعَسَّرًا فَيَسِّرْهُ وَاِنْ كَانَ حَرَامًا فَطَهِّرْهُ وَاِنْ كَانَ بَعِيْدًا فَقَرِّبْهُ بِحَقِّ ضُحَاءِكَ وَبَهَاءِكَ وَجَمَالِكَ وَقُوَّتِكَ وَقُدْرَتِكَ آتِنِىْ مَآاَتَيْتَ عِبَادَكَ ا

Procedure

Illustration of Prayer, Worship (Photo created by rawpixel.com on freepik)

Before doing this voluntary worship, Muslims can first learn the procedure for Dhuha prayer. The procedure is as follow

There are several virtues that will be gained when a Muslim dies in a state of husnul khotimah. When you end your life in a good state or in a state of perfect Islam, it becomes evidence of piety to Allah SWT. As Allah SWT's command which is often conveyed by the kha

n Referring to a hadith narrated by Hakim and Thabrani, the Prophet Muhammad SAW said, "O son of Adam, do not be lazy in doing four rakaat at the beginning of the day (Dhuha prayer), certainly I will meet your needs at the end of the day

Drink Excessively

Allah SWT states in QS. Al-A'raf: 31, "Eat and drink, but do not be excessive. Indeed, Allah does not like those who are wasteful." Drinking too much can lead to overhydration and brain function disorders. Adhering to the recommendation not to be excessive when drinking milk on 1 Muharram is part of keeping health and adhering to the etiquette of drinking as demonstrate

nk While Standing

A hadith mentions, "None of you should drink while standing, if he forgets, then he should vomit." Drinking while standing can disturb the balance of fluids in the body and damage the digestive system. Carrying out drinking milk on 1 Muharram while sitting, observing this suggestion, is part of the etiquette of drinking as demonstrate

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