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This is the VOA Dubai's recent debt problems have brought attention to the growth of Islamic finance. A government-owned group of companies, Dubai World, has been seeking to restructure twenty-six billion dollars of debt. air jordan NFL jerseys Nike Wholesale Cheap Shoes Designer HandbagsAbout six billion of it is in Islamic bonds, including a three and a half billion dollar bond set for repayment on Monday.The biggest difference between Western and Islamic finance involves beliefs about charging interest on borrowed money. In Islam, the basic idea is that you should not make money from money itself. Instead of interest, lenders charge fees.nfl apparel nike shox great wall of china Valve fittings Ed hardy clothing Ghiyath Nakshbendi at American University in Washington is an expert on Islamic financing. GHIYATH NAKSHBENDI: "The bank will estimate its costs based on its fixed costs, variable costs, the cost of their employees, the rent and so on and so forth. And from that they estimate how much they are going to charge." But he points out that this system can make Islamic financing costly. The costs of the system are shared by the borrowers. The fewer the borrowers, the more each has to pay. In many cases, Islamic financing requires the lender and borrower to share profits and losses. Ghiyath Nakshbendi explains what that means with Islamic bonds, called sukuk.GHIYATH NAKSHBENDI: "Ed hardy ball valve replica watches gucci shoes cheap shoesWhen we talk about sukuk, we don't guarantee a certain return."He says the bondholders are buying a share of a business or property. If business is good, then they could get back more than they expected. But if it fails, then there is no guarantee of repayment. Islamic bonds can be structured in different ways, but amajoridea is shared profit and loss.Professor Nakshbendi says Islamic lending practices are also supposed toray ban glasses nike air max rip blue-ray Wholesale Shoes blu ray be socially responsible. In world banking, the total share of Islamic finance is less than one percent. But it is growing at a rate of fifteen to twenty percent a year. There is growing interest in Islamic banking in the West. London is becoming a center of Islamic finance. And France recently proposed changes in finance laws to protect Islamic bondholders.Estimates differ, 2000 but as much as one and a half trillion dollars may be managed under Islamic rules. Last year, the International Monetary Fund studied the financial security of Islamic banks. It found that their lack of complex products like futures and derivatives limits the ability to spread risk.Professor Nakshbendi notes that Islamic finance does not appeal only to Muslims.nike max Gucci shoes sell Jordans Kobe shoes Cheap jeans GHIYATH NAKSHENDI: "In Malaysia, the majority of customers in Islamic banks are non-Muslims."And that's the VOA Special English Economics Report, written by Mario Ritter. Our reports are online at voaspecialenglish.com. I'm Steve Ember.Welcome to AMERICAN MOSAIC in VOA Special English.(MUSIC)I'm Doug Johnson. Today, we play music from a new album by Animal Collective And answer a question about funeral traditions in the United States But first, we tell about a new organization that is finding homes for animals and helping American soldiers at the same time.fashion clothes Cheap T-Shirt fashion sunglasses cheap handbags China travel agency(MUSIC)HOST:The United States military is dealing with more cases of post traumatic stress disorder among is soldiers than ever before. People with the condition often suffer continual frightening thoughts, feelings of anger and unease. They also may feel disconnected from people, especially family and close friends. PTSD often causes severe sleep problems. One soldier with PTSD recently found an unlikely source of healing for his condition -- his dog Cheyenne. So he started an organization to share his hope with other veterans. Mario Ritter has our story on the group Pets2Vets.MARIO RITTER: Precision Casting wholesale handbags amusement park soap dispensers supra shoesThe Washington Animal Rescue League center is modern, clean and bright. Classical music plays throughout the building. Water streams down the windows on the roof over every dog's room. The water and music are supposed to calm the dogs. But they still bark and jump up happily as people pass by.(SOUND)The center seems to have almost every kind of dog imaginable. nike sneakers Nike Dunk SB Air Jordan Shoes Cheap nikes gucci handbagsThere is even a dog that is half-wolf. She and about one hundred other dogs were rescued from a dog sled operation in Quebec, Canada. The center in Washington took in thirteen of them.But today at the shelter, there is one very little dog with a big job ahead of her. Xena is a Jack Russell mix puppy. She is recovering from a broken leg. Will Acevedo and Xena Will Acevedo, or Ace, is a retired United States Army veteran from Fayetteville, North Carolina. He was identified as having post traumatic stress disorder when he returned from service in Iraq. A new organization called Pets2Vets has brought these two together. Will Acevedo will give Xena a home and help heal her leg. Xena will help heal Will Acevedo's heart and mind.WILL ACEVEDO: "Interacting with the puppy'sWholesale shoes Gucci shoes Nike dunks ed hardy nike air max going to be great. I guess, you know, it will give me that feeling of closeness. And, sometimes animals can fill that void that human beings can't fill. Like the dog will love you unconditionally no matter what. You know, people, we judge each other because we're human. But pets, they don't judge you. They love their masters." Dave Sharpe is the founder of Pets2Vets. He had a terrifying experience serving in the United States Air Force in Saudi Arabia and suffered PTSD in silence for years after. His friends and family noticed the change in him. He had trouble controlling his anger.shopping bag PSP iphone software avi to 3gp youtube download His easy going personality disappeared. He would have terrible experiences at night. He would wake up scared or angry and get out of bed. He would start hitting and kicking the walls or furniture.