Czym jest BIK

BIK – niektórzy dostają dreszczy, gdy słyszą ten skrót. Ale tak de facto niedużo osób wie czym jest BIK. BIK to skrót oznaczający Biuro Informacji Kredytowej. Czym jest Biuro Informacji Kredytowej? To organizacja, która kumuluje wszystkie dane o zaciągniętych kredytach. W BIK przetrzymywane są historie kredytowe (zarówno te pozytywne jak i negatywne).

Każdy bank ma dostęp do bazy BIK, na skutek czego w każdej chwili może stwierdzić, czy zadłużenia regulujemy na czas. Wobec tego bank sprawdza, czy jesteśmy wiarygodnymi i pewnymi klientami. Jeśli w bazie BIK wszystko wygląda pozytywne, to bank spokojnie udzieli nam następny kredyt .

Co publikowane jest w bazie danych BIK? Otóż umieszczone są tam głównie daty zaciągnięcia kredytów, wysokości i waluty kredytów. Nieterminowe spłaty kredytów także są rejestrowane w tej bazie.

About the Center

Founded in April of 2004 with a $5 million endowed gift from Dr. Milton and Mrs. Laurie Boniuk, the Boniuk Center promotes conditions conducive to sustainable peace among persons of different religions. A more complete history of the center’s origins is available here.

Our Vision: Building Peace

Imagine a multi-media library?books, images, and movies?containing accurate, up to date information about the world?s religions and about building peace among them. Imagine that this library is freely accessible in many languages to people living all over the world. Teachers across the globe could build customized curricula based on sound, reliable scholarship. Students everywhere could learn about faiths other than their own. Knowledge could combat propaganda and quell fear. Sustainable peace could become possible.

Using technologies developed at Rice through the Connexions Project (, ?Building Peace? will package the Center?s work on the web so that it can be used in multiple educational contexts, from elementary schools to universities to institutions that train religious leaders, around the world and in different languages. This site will index our research so that it is maximally useful to scholars working on a wide range of topics as well as to policy makers and activists seeking to resolve real-world problems. As the Center grows and supports more and more programs, the Building Peace website will develop into a comprehensive, indeed an unrivalled, research, teaching, and policy resource accessible easily and for free all over the world. It insures that our work makes a difference.

Houston and Rice University

Our inspiration is Houston, one of the most religiously and ethnically diverse cities in the country. A global force in the energy, medical, space, and applied technology industries, Houston attracts scientists and researchers from around the world. Over sixty languages other than English are spoken in the homes of Houston?s school children.

Houston 4

Houston is home to the faithful of every living major world religion: Hindus, Buddhists, Sikhs, Zoroastrians, Muslims, Jains, Jews, Christians, and dozens of others. The largest megachurch in North America, Lakewood, is a few miles from Rice?s campus. Whether they welcome us or challenge us, these religious communities and Houston provide our Center with an ideal laboratory and an ideal home.

Innovative, multi-disciplinary research and excellent teaching; A commitment to public policy and civic engagement; New partnerships with nearby museums, the Texas Medical Center, and Houston-area schools. These great strengths of Rice University are the Boniuk Center?s foundation.

What Sets Us Apart?

We are risk-takers. We reach out to those who question or reject tolerance, and we facilitate conversations among groups who disagree. This risk-taking sets us apart from organizations that promote interfaith dialogue, for these attract only persons who already embrace diversity. Our Center seeks out communities for whom pluralism is a problem, and we create contexts in which such groups can become agents for peace.

We translate research into action. The Center uses university research to develop educational programs on world religions and peaceful co-existence. We are committed to making all of our work available globally and free of charge. Through its outreach projects, media presence, and work with the Baker Institute, the Center shapes public debate on issues related to tolerance.

Our work matters. Given the growing and tragic toll exacted from us, as individuals and communities, by religious intolerance, the Boniuk Center can capitalize on the strengths of Rice and of Houston to make a difference in the world.

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Do you screen the presentations of your speakers?

No, and we never will. To do so contradicts the central commitments of a research university. We ask speakers for a title and a blurb for the presentation. They do not submit their notes or manuscripts to us beforehand. While we have a general idea of what they will present, we are never sure until they give the presentation ?live? to the audience. Therefore, there is always an element of risk in inviting speakers. This is one of the reasons we reiterate that the views expressed by speakers are not necessarily those of the Boniuk Center, its staff or of anyone at Rice University.


7. Why are some presentations not available as webcasts?

Some presenters are sharing works in progress or feel a need to protect their intellectual property; they withhold the rights to webcast the event. In most of those cases, the Boniuk Center attempts to secure a limited use agreement in which a video copy of the presentation can be made available to researchers and students on loan. If there is a presentation or event for which there is no webcast available online, contact us to see if a research copy of the presentation is available.

8. How is the Boniuk Center funded?

The Boniuk Center for the Study and Advancement of Religious Tolerance was established at Rice University with a $5 million endowment gift from Dr. Milton and Laurie Boniuk in April of 2004. Our basic operating budget comes from the interest earned on that endowment. That income provides funding for our current salaries, lecture costs, publicity, and our other activities. The Center also seeks donations from individuals, corporations, and others for the support of our grassroots activities promoting tolerance, respect, and compassion as the values and principles that build understanding amid difference. The Center also seeks additional major gift and endowment funding to support its on-going projects and future initiatives.

9. Why does the Boniuk Center need additional funds?

We hope to create a truly international presence that studies and promotes peaceful coexistence and religious understanding and tolerance. The planned growth will take additional personnel and expanding programs in educational research and curriculum development, and additional bandwidth on the worldwide web, for example, to develop programming in concert with other organizations for an internet radio station, podcasting, and webcasting of events. Our plan to provide a growing curriculum for grades K-12 in comparative religions will involve a number of contributors and the creation of video and photographic resources. The Center has been invited to join with a coalition of other university centers and programs to create a scholarly conference on the issues of coexistence that will draw top public intellectuals as contributors. Last, but not least, the Center has begun a grassroots movement to get individuals to commit to the principles of tolerance, respect and compassion, through the distribution of its Boniuk Center Lapel Pin. These and other plans for the future will require additional funding.

10. What can I do to help and join the Boniuk Center achieve its mission?

Become a sustaining member of the Boniuk Center by making an annual donation in the range of $250 to $2000. Make a major gift to increase the endowment of the Center through a pledge or through estate planning. If you are interested in either of these options, please contact the director or associate director by email or by phone. You can also make a direct gift in any amount from $10 to $10,000 by using the Giving To Rice website and your credit card. It can be reached from the Boniuk Center homepage by clicking on the link for DONATE.

Recommended website :

Do you only seek speakers who are academicians or scholars?

No. While many of our speakers are scholars who are trained in academic disciplines and hold conventional academic credentials, we also host others from non-academic or para-academic backgrounds. These include, but are not limited to: journalists, artists, political practitioners, NGO representatives, diplomats, theorists, activists, researchers, and any others who have something informed and substantial to contribute to the conversation for peaceful coexistence.

5. How does the Boniuk Center choose to co-sponsor an event with another organization?

Generally, organizations, departments, centers, or institutes at Rice University approach us with a request or offer of co-sponsorship. We are eager to work with our colleagues at the university and with other community organizations whose missions are compatible with ours. Therefore, when we agree to co-sponsor, we do so because one or more of the following are true:

? We believe the proposed program to be beneficial toward fulfilling our mission.

? We view the requesting organization as a reputable entity whose mission, either as a whole or in this particular event, coincides with ours.

? We see the requesting organization as representative of a group in the community with which we would like further or continued good relations.

? We assess the program, and our co-sponsoring of it, to be an opportunity for gathering a diverse audience that may not otherwise assemble together.

? We view the event as an opportunity to share resources with other organizations for larger impact in the community.

? We can provide opportunities for Rice students, faculty, staff and the public that would not be otherwise possible.

Other factors at play in our decision to co-sponsor or not include: our Center schedule, our available staff for event production, our available financial resources, and the extent to which we have hosted a similar theme, topic or program in recent months.

Over time, after several co-sponsorships, we have developed fruitful relationships with many community organizations. We often say ?yes? to their requests for co-sponsorship not because the program meets any of the above criteria in every respect, but out of professional courtesy and in a spirit of collegiality and community partnership.

FAQ?s about Boniuk Center Event Sponsorship

1. What are the central criteria for the Boniuk Center to sponsor or co-sponsor an event or speaker?

We sponsor or co-sponsor events that offer a promise of support for our mission, which is to understand and facilitate the conditions that lead to peaceful coexistence among people of different faith traditions. This mission includes an educational component that calls for engagement with our students, with people in the larger Houston area, and with people throughout the world via our web-based materials. Generally, we seek speakers who have something to share ? a hypothesis, analysis, experience, perspective, etc. ? that is of value for the quest for coexistence.

2. Does the Boniuk Center prefer speakers who represent the Center?s political or religious positions?

No. The Boniuk Center, being housed at a secular research university, does not advocate specific political or religious positions. The Center has no political position, for example, on conflicts in the Middle East, Kashmir, Shri Lanka or other places. Nor does the Center have a position on, for example, what or who defines ?true? Christianity, ?true? Islam, or anything else of a religious or theological nature.

The views expressed by speakers we sponsor or co-sponsor are not necessarily those of any of the Boniuk Center staff, anyone at Rice, or any of our affiliates. The simple fact of our sponsorship or co-sponsorship does not indicate our agreement with a stated perspective.

3. Why do you host controversial speakers who sometimes upset people?

We do not deliberately seek speakers who will provoke people or whose comments will cause upset. More often than not, however, someone will be offended or upset with the comments of a speaker. Virtually all our speakers upset someone.

As a Center housed at a research university, we are committed to the free expression of ideas in a spirit of honest inquiry and respectful exchange. Short of direct calls for violence against individuals or groups, all ideas may be expressed no matter how upsetting some may find them. Therefore, the speakers we sponsor or co-sponsor are found on all points of the social, religious, or political spectrum. Over time, we present speakers from many different perspectives. We do not seek to privilege any one perspective or position.

Because of our deep commitment to the free exchange of ideas and our neutrality on religious and political issues, our parameters for sponsorship are wider than those of other organizations with discernable social, political or religious agendas. Moreover, our parameters are often wider than those of most individuals. In both instances, our speakers may present views far outside the ?comfort zone? of many individuals and groups.

We invite all interested parties to attend our programs so as to challenge those ideas that they find objectionable. The public exchange and contestation of ideas contributes to the value of our programs and is, we believe, a value to society at large.

The Boniuk Center Inaugural Conference

The Boniuk Center for the Study and Advancement of Religious Tolerance will hold its Inaugural Conference on the theme of “Tolerance and Its Limits” September 19 through September 21, 2005, on the Rice University campus. Featured among the events are a presentation by Rev. Prof. Peter J. Gomes, a world renowned theologian, of Harvard University’s School of Divinity, on Monday evening, September 19th. Details about the conference are available at 2005 Inaugural Conference with an on-line registration process. Registration for the conference session is free.


Among the other speakers during the conference are Prof. John Esposito, University Professor and Founding Director Center for Muslim-Christian Understanding, Georgetown University; Mark Juergensmeyer, Director, Global & International Studies, University of California Santa Barbara; Prof. Joseph Montville, Senior Fellow, Center for World Religions, Diplomacy, and Conflict Resolution, George Mason University; Prof. William C. Martin, the Chavanne Professor of Religion and Public Policy and Senior Scholar in the James A. Baker III Institute for Public Policy, Rice University; Prof. Elora Shehabuddin, Assistant Professor of Humanities, Rice University; Prof. Adam Seligman, Professor of Religion, Boston University, and representatives of the U.S. Commission on International Religious Freedom, Chair of the Commission Michael Cromartie, and Commissioner Dr. Richard D. Land, who is President, Southern Baptist Convention’s Ethics & Religious Liberty Commission.

The presentations by the Dalai Lama on September 22 will provide the capstone. At 10 a.m. the religioius leaders of Tibetan Buddhists will speak on “The Meaning of Compassion in Everday Life,” and at the 2 p.m. event he will be speaking on “Tolerance and Universal Understanding.”

Boniuk Center Offices Now in Herring Hall

The Boniuk Center has relocated to new offices in recently renovated Herring Hall on the Rice University campus. Center Assistant Director, B. Jill Carroll, and Center Coordinator, Calvin Preece, have moved into the new space. Near the West end of the building, the Center has two offices, Rooms 120 and 122. The new offices provide additional space for the Center and will offer an opportunity for some growth in the next year.

U.S. Fiqh Council Issues Fatwa Against Terrorism

U.S. Muslim scholars released a fatwa, or judicial ruling, in Washington, D.C., on July 28th, saying that Islam condems terrorism, religious extremism and any violence against civilians, including suicide bombings. They are hoping that the message of the ruling will reach both non-Mulsims and Muslims in North America and in other locations. A pdf version of the fatwah is now available on our Tolerance Resources page on this website.

The Center’s Background
Established in July of 2004, the Center supports research on a wide range of topics related to religious tolerance and promulgates this knowledge with the aims of understanding and promoting conditions conducive to sustainable, peaceful co-existence among people of different religions.

Some arguments for tolerance are well developed. However, these usually rely on historically contingent ways of thinking that emerged comparatively recently, in societies where an idea of inalienable human rights together with a conceptual distinction between ?public? and ?private? produced a putatively secular public sphere. Such arguments have, not surprisingly, proven most persuasive in communities that accept both a clear public/private distinction and the relegation of religion to the private sphere. The Boniuk Center exists to deepen and enrich these ideas of tolerance while simultaneously seeking others that have emerged or that might emerge in different contexts and from different assumptions.

Our underlying principle is simple: just as religious conflict cannot be analyzed independently of political, cultural, economic, and social contexts, so a meaningful international commitment to religious tolerance requires that we understand religious identities, traditions, and histories in light of other spheres of human life. The Center fulfills its mission by supporting scholarly projects that study religious difference from this broad perspective and thus lay the groundwork for pluralism and tolerance in many modern societies. Because it seeks not only to understand but also to promote conditions conducive to religious tolerance, the Boniuk Center makes its research findings available with the eventual aim of supporting, in collaboration with political and religious leaders, a set of principles conducive to tolerance that could command respect and allegiance among diverse religious communities.

Rice University’s faculty provides a strong foundation on which to build this Center. The School of Humanities and the allied departments of Sociology, Anthropology, and Political Science now house leading scholars of religion and history whose work is directly concerned with issues of persecution, religious extremism, and the impact of religion on contemporary political processes around the globe. At this moment individual Rice Faculty are examining the meanings of jihad and martyrdom within Muslim communities over time; the persecutions of Jewish populations in medieval Europe; the role of African American churches in the nineteenth-century battle against slavery; the political and ethical implications of the critical study of gender and sexuality in the world religions; and the relationship between religion and freedom of expression in Arab and Israeli media.

Rice is also home to the James A. Baker III Institute for Public Policy now under the leadership of Edward Djerejian, who has served as Ambassador to Syria and Israel and as Assistant Secretary of State for Near Eastern Affairs. Through the Baker Institute, Rice attracts leading policy makers and governmental officials from around the world, many of whom deal with various aspects of religious conflict. The Baker Institute can, among other functions, provide a forum for the findings of the Center and a venue for conferences and other gatherings on religious tolerance. By building on these formidable strengths at Rice, the Boniuk Center will develop new perspectives from which to study and promote tolerance across religious communities and within many different political and social contexts.