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Describe the three models of Islamic banking in practice Islamic banking component..
Low Morale
A condition in organizations where employees feel dissatisfied and unmotivated, often leading to decreased productivity and retention issues.
Absenteeism
The habit or practice of frequently being absent from work or other duties without good reason.
Personal Communication
Direct exchange of information, thoughts, or messages between individuals through verbal or non-verbal means, emphasizing the personal context.
Active Listening
The practice of fully concentrating on what is being said rather than just passively 'hearing' the message of the speaker.
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