Saturday, December 31, 2011

December..!


Aao K DECEMBR Ko Rukhsat Karen..
Kuch Khushiyon Ko Sambhaal Kar,
Kuch Aansu'on Ko Taal Kar..
Jo Lamhy Guzry Chahaton Mein,
Jo Pall Beety Rafakaton Mein..
Kabhi Waqt K Saath Chalty Chalty,
Jo Thak K Ruky Raaston Mein..
Kabhi Khushiyon Ki Umeed Mili,
Kabhi Bichrey Huon Ki Deed Mili..
Kabhi Be'Panah Muskura Diye,
Kabhi Hansty Hansty Ro Diye..
In Saary Lamhon Ko
Ab Mukhtasir Karen,
Aao K DECEMBR Ko Rukhsat Karen....,,,!

November aur December

November guzr chuka hai,
December guzr raha hai,
Aj (31) ho chuki hai,
Umeed kho chuki hai,
Tak tak k tera rasta
Har dharkan thum chuki hai,
Ratein hain boht stati
Kuch aur din hain baqi,
Phir naya Saal ho ga
Phir wohi haal ho ga,
Dhondon gi tujhe din ko
Har lamha har sa'at ko,
Ik bar tu ayega
Keh de k tu ayega
Is Saal nahin lakin!
Aglay bars ayega
Ye dil behl jayega,
Jhotey tery wadon par
Qasmon par iradon par,
Behla hai ye pehly b,
Ye phir behl jayega
Novembr guzr chuka hai
December guzr raha hay .

Sunday, December 18, 2011

Saving Habit in minor

When I was below the age majority - 18 years (Pakistan) - my parents used to say Beta don't spend all of your money rather you must save some of Rupees from your pocket money. They used to buy ceramic/clay pot (اردو: غلّہ)  for me, so I can put some of my pocket money in the pot for future use. This was the move of my parents to inculcate saving habits in me.

Today - in the technological era; strong financial system; Banking institutions - the use of those ceramic/clay pots is almost dying perhaps died. Many banks offer account services for the age group of new born upto the age of majority to motivate young generation to save for their future needs. In Pakistan following bank offers following accounts with different benefits and features:


Bank Al Habib, one of the growing bank in the metropolitan city Karachi, with over 350 branches countrywide icluding more than 100 branhces alone in Krachi offers account for young generation with the name of Bank Al Habib Young Savers Account with following features:

Start Early, save Wisely!
  1. It can be opened for youngsters up to the age of 18 years.
  2. One can open an account with Minimum of Rs. 5.
  3. Rate of return is expected to be above return on normal saving accounts, which is usually 5% p.a. Currently indicative rate of return on balance up to Rs. 500,000 is 10% p.a. 
  4. Internet banking facility and ATM/Debit card is available for the parent/guardian of the young saver
  5. Young savers of 16 years and above eligible for ATM/Debit Card if authorized by their parents/guardians. 
  6. Account will be operated by the parents/guardian of young saver.
  7. Bank Officers also visit schools to collect deposits. 
Profit would be subject to Zakat. withholding tax, and other Government levies unless exempted.



The Bank of Punjab was established in 1989, having network of 279 branches countrywide. It is one of the Bank wiht so many scams, scandals, emezzlement, fraud, etc. Recently the Bank of Punjab has moved in the line of offering to the minors with the name of Young Lions. The features are as follow:
  1. The product is available for the youngsters below the age of 18 years. 
  2. The account will be opened with parents/guardian
  3. The rate of return on account is 6% p.a. on all balances, the minimum or maximum balance limit is removed from here.
  4. The profit will be calculated on daily product basis.
  5. Withholding tax at 10% will levied on the profit at source, it means when profit will be paid on account, tax of 10% will be deducted at the same time
  6. Zakat will be deducted as per applicable law. 



United Bank Ltd. (UBL), one of the leading bank of Pakistan, with more than 1220 branches nationwide and some branches is other countries, was founded in 1959 by Agha Hasan Abedi.  It is one of the top five bank in Pakistan deposit wise, profit wise, assets wise, and share wise. 

UBL offers account for youg generation in the name of UBL First Minor Savings Account, popularly pronounced as UBL 1st. UBL promotes this account aggressively in schools all over the country, which inludes giving presentations, gifts, souvenir, etc. UBL 1st has following features: 

Pehli bachat, Pehla Account
  1. UBL 1st account is opened in the name of father/mother or guardian. The name of account is follows the pattern i.e. Arfeen (M) / Aleen (G). 
  2. UBL 1st is available to the age group of 1 day baby up to 18 years of age. 
  3. Two accounts are opened at the opening of minor account; one is principal account in which money is deposited, other will be the account in which profit on principal to be credited. 
  4. On the opening of account a Welcome Pack is sent.
  5. Two Visa ATM/Debit cards are provided;one is specially designed UBL First Pocket-Money (complimentary) for the withdrawal of profit from linked account and other is standard UBL Wallet Visa Debit card to withdraw money from the principal account.
  6. Account opening anniversary, birthday wishes, surprises, and gifts are sent to 1st holder. 
  7. Free E-Statement
  8. Free E-Banking
  9. No minimum balance penalty is levied on this account.
  10. Free accedintal death & disability insurance coverage up to Rs. 2.5 million.
These are the some prominent banks that offer saving accounts for the youngsters below the age of 18 years. In my opinion, this is the great move by banks to cater the needs of minor and to inculcate the saving habit in the minor, which is very crucial for the country like Pakistan. 

The benefit is that on savings minor will be entitled some profit. If minor puts some portion of of his/her pocket money regularly in the account, this will pile up his/her wealth. At the end he/she will be having huge sum of money to use at the age of majority. 


Hurry Up! give your child the account as Gift....

Tuesday, December 6, 2011

HBL moves into branchless banking


HBL signing ceremony of branchless banking



Habib Bank Ltd. (HBL), the largest branch network with more than 1450 branches nationawide and presence in more than 25 countries around the globe, ready to move into the branchless banking in Pakistan with the collaboration of Ufone, Sybase 365, and AbacusConsulting by 2012. 

HBL sources suggests that they have invested millions of rupees in the pipeline to step into branchless banking in Pakistan, which will create healthy competition among the other existing operators of branchless banking in Pakistan. Currently EasyPaisa, joint venture of Telenor Pakistan and Tameer Bank; UBL Omni, a venture of United Bank Ltd. (UBL); NADRA's E-Sahaulat, a joint venture of Mobilink and NADRA are working in the industry. Moreover, MCB Bank Ltd. with the collaboration of Nokia and Bank Al-Falah with collaboration of Warid got the liscence of branchless banking from the State Bank of Pakistan (SBP), which will further make market more tougher. 

Ufone, one of the leading cellular operator of the country, will facilitate HBL by providing the SMS service and other mobile related services pertaining to the branchlike banking at initial stage. HBL will take other mobile operators of the country i.e. Mobilink, Telenor, Warid, Zong, Vfone, Wordcall, etc. on board by the passage of time. 



According to the SBP reports branchless banking enjoyed the impressive growth of more than 51% in the first quarter of the fiscal year 2012 as compared to the first of quarter of fiscal year of 2011.  

HBL claims that its branchless banking will provide much more than what current players are offering. HBL through its distinguished service will cover the service of paying taxi fare, gas station charges, airline fare charges and other related services with the mobile banking. 

Account opening, cash deposit, cash withdrawals, bill payments, mobile payment vouchers are the services provided by the current player of the industry namely EasyPaisa and UBL Omni. 

In last, we can safely say HBL's move into the branch banking will set new benchmarks in the branchless banking, which will ultimately lead to the healthy competition among the players. 



Sunday, December 4, 2011

Moharram Poetry

Keh Do Gham-E-Hussain Manane Walon Ko,
Momin Kabhi Shohada Ka Matam Ni Karte,

Hai Ishq Apni Jan Se Zyada Aal-E-Rasool Se,
Yun Sar-E-Aam Hum Unka Tamasha Ni Karte,

Royen Woh Jo Munkir Hain Shahadat-E-HUSSAIN K,
Hum Zinda-O-Javaid Ka Matam Ni Karte..!

(Allama Iqbal)

Tuesday, November 8, 2011

LGBT movement in Pakistan

LGBT Flag
Lesbian, gay, bisexual, and transgender (LGBT) is movement, which has been loudly voiced since long. It advocates the freedom of sex orientation to be decided by one self rather than by his/her religion, social class, community, or any other body.

In Pakistan - an Islamic Republic, governed by Constitution of 1973, which is based on Shariah (Islamic laws) - LGBT term was not much common until few years back, but today, almost everyone living in the big cities - Islamabad, Karachi, Lahore, Peshawar (A notion that People living there are gay, I don't wish to use that term but it's perception of Pakistani people) knows what LGBT means and what they praise about.

What motivated me to write on this issue is articles in Express Tribune since long. One might think why I'm writing on this topic, don't you? Huh? Let me clear, I'm not adovcate of LGBT movement. Numerous writers had and have been using ink to write about this topic e. g.: Let’s get one thing straight...I’m not, Nuwas Manto (An 18 years olg youth activist of LGBT movement in Pakistan), Because I'm a lesbian, but fortunate enough they are not gaining support of minds except by few tot like minds.

On June 26, 2011 US embassy have organized some event about the gays in Pakistan, which instigated masses of Pakistan to that surged the hater for US and other organizations working for LGBT movement.

Who says there is no gay/lesbian in Pakistan, huh? There may be thousands, if not thousands, hundreds of people having LGBT sex orientation, it is acceptable only if it is observed in bedroom, but when it comes to publicize in the streets, not body going to accept. A sin committed alone in privacy  isn't worth to be discussed, but when it comes to the interest of large population, it should be disgraced.
Following is the discussion of LGBT on media in Pakistan:


According to my opinion, if religion has prohibited the sexual relationship with same gender, there must be some dark side pertaining matter. So allowing LGBT would be harmful for the society in terms of values, ehtics and taboos.

Have your say? 

Tuesday, June 28, 2011

Entrepreneurship Trail - Day-2

The fervor, zeal, keenness and enthusiasm was at the highest velocity among the participant of the Spark, Entrepreneurship Trail on the second at IBA, main campus Karachi.
Had not slept well yesterday night despite this the energy level and motivation to attend and listen the distinguished speakers triggered to be there till the end of the day.

The day started with the finding ways to raise money - Everyone wants money, don't you? - for the start up. Mr. Ayaz and Mrs. Kazi were the guests who imparted us with the knowledge and information on how to raise capital for the new venture. As everyone know, borrowing money from the banks is the most difficult for the business, which is at the initial stage, so do opined by the guest speakers. According to Mr. Kazi, Banks must be pursued to put notice on their website "Borrowing from Banks for the start ups is injurious to the venture."
The most favorable and easiest way to raise the capital for the start up is from family and friends circle who are always to give you some of the money because of the trust vested by them in you.

Umair Jaliawala, a renowned trainer of the country and who is very much loved by Young generation, started his training session with his crazy style.
He lecture was concerned with the sales, turning into Cheetah. His energy level was so high that he infused some of his energy into the audiences. Applause to him!
The session started with the question "Who loves sales?" Surprisingly, none of the participants raised the hand. Interestingly, "Everyone is selling some idea, service, or convincing; said Jaliawala." 
Following this every participant was directed to sale anything he/she has for Rs. 50. The auditorium turned into Sales Hub where everyone was selling something - idea, service, product, etc. Some of the participants sold mobile credit, perfume, tissue paper, etc.
The most strange, one of the participant sold his body for beating purpose that raised him revenue of Rs. 600. 

Ramesh Patel from Tanzania was the another distinguished entrepreneur who shared his experience of his business life. He was the most inspiring for the participants who wish to start up their business. Despite having less eye sight, poor education, indebted companies he managed to get from all these hurdles. Now he owns 6 companies with 100% shareholding, 5 companies with smart amount of shareholding.

Ramiz Allahwala, a distinguished trainer, trained thousands of people in middle east, US, and many other countries imparted with the ideas. His focus was revolving around following principles:

  1. Details: Entrepreneur must know about the everything - Customer, Operations, Financial, Partnering, etc.
  2. Rules: Businessman must be adept to learn about the changing rules, changing partners' heart, customers' promises and suppliers change plan.
  3. Odds: One must be prepared for the odds - failure, bad plan. In the end 'Don't be fool, be vigilant'
In the last, we presented our business plan, each group was entitled three minutes to present problem and the solution of that problem from the perspective of business. 

Recommended book on Entrepreneurship

Entrepreneurship Trail

Spark is the name of the event organized by IBA Entrepreneurial Society, which has started today and it will last till June 29, 2011. This event consists of address of Distinguished speakers and trainers from Pakistan and around world, obviously via 'Skype.'  Some of them are Mr. Naeem Zafar, Umar Saif, and many more address in the coming two days.

The day-1 started with the Tilawaat of Quran. After the recitation, IBA Entrepreneurship Center head formally announced the conference open with short speech of welcoming guests, participants and organizers.

Mr. Naeem Zafar, an Engineer, Entrepreneur by an accident as he defined,  and writer of many books delivered his speech on the topic of 'Entrepreneurship.' I loved the definition of entrepreneurship he told, which is: "It is the pursuit of an opportunity with resources that you don't yet control." Look at the beautiful and motivational words in the definition, which you don't yet control. One need to understand Entrepreneurship is not attached with resources that you own but it is the pursuance of wealth that you don't own. 

After that it was time to make network while having hot tea.

Now it was time to move for Penal discussion, the panelists consisted of Mr. Azhar Rizvi, Mr. Husnain Khalid, IBA Entrepreneur Center Head and Mr. Rehan Allahwala who joined from Singapore via Skype. There was hot discussion whether Entrepreneurs are  born are made? Although it is very controversial subject, but I believe Entrepreneurs can be made by giving them environment, education and training.

Sumair Abro, VP and Head of Organizational Strategy KASB Securities came on stage with tons of energy. He was very energetic and young guy who not only delivered lecture on entrepreneurship but also energized all of the participants.

At the end we were blessed with the lecture of the LUMS graduate who had studied and worked in US but returned to the Pakistan with the intention of creating value for the society by means of being an Entrepreneur. His journey of success isn't simple rather he ran two businesses - Bumpin.com and chopaal.pk - with loss.


At the end what I have learned is that Business graduate must be job giver rather than job taker, that's how we can get true spirit of business student and create value for the economy.






Monday, June 6, 2011

Comment on Budget 2011-12

Federal Budget of Pakistan has been presented in the National Assembly of Pakistan on June 03, 2011. On that day, it didn't look like a Parliament rather it was looking like fish market. Traditional opposition from 'Opposition' branches with chaos of daunting and chanting of slogans like 'Go America', 'Budget Na-Manzoor'.
At one occasion, one of the member of the parliament presented 'Meal' to the Finance Minister Mr. Abdul Hafeez Sheikh. In addition to this, female parliamentarians were not behind the row, they thrown 'Bangles' at Finance Minister, which was ridiculous act.

As a student of Business and one of the common man, taking current economic and social conditions in the consideration, I must say, budget 2011-12 is a balanced budget.
Government of Pakistan (GoP) reduced sales tax from 17% to 16%, which is a good move to give relief to the poor and needy people of the country. Moreover, GoP has levied taxes on many items, which previouslt exempted from the tax like - Defence equipment, defence products, cement, etc. This will surely increase the tax revenue for the next financial year.

The dark side of the budget is GoP has lifted subsidy from many items. Sugar is subjected to the Federal excise Duty and textile products too. This will bring the relaxation in tax at neutral point.

GoP announced the 15% increment in the salaries of government employees up till BSP-16, which is good move indeed to cater the increasing inflation. 15-20% increment in the pensions of Ex-government employees.

Gop has also allocated Rs. 730 billion for PSDP. From which Rs. 430 is to allotted to the provinces, and remaining amount will be Federal share.

The tax collection targeted has been increased from the previous year. Rs. 1952 Billion has to collected in the financial year 2011-12 as compare to the Rs. 1542 billion of the fiscal year 2010-2011.


Monday, May 30, 2011

State Bank of Pakistan (SBP) announced new account opening policy

Karachi: State Bank of Pakistan (SBP) announced new policy for account opening for individuals- students, low-income people and Zakat entitled people specially.
A new policy release by SBP depicts that any individual can open bank account with minimum of Rs. 100, which will be implemented from July 1, 2011.

In addition to this, SBP directed all scheduled banks to lift the service charges on the minimum balance. Previously banks were entitled to receive some charges as account balance decrease from minimum level, which was Rs. 500.

This has been welcomed largely in the masses and economist too. Experts view this policy as blood to the economy. According to the opinion, most of the population of the country belongs to the lower income group, which was deprived of banking services due to high service charges and minimum balance requirement. Now those people will access the banking services at cheaper price like never offered before. There is trickle down effect of the policy, those deposits, expected to grow manifolds, will be injected in the economy in the form of investment.

Many steps are to be taken in future to prosper the economy.

Saturday, May 14, 2011

Pornography found in Osama's hideout in Abbottabad, Pakistan


Officials: Pornography found in Osama's hideout in Abbottabad, Pakistan, consists of latest and modern, lustful video. An officials said on the anonymity basis.
Moreover, officials claimed they are unable to say whether Osama was viewing those videos or anyone else.
According to the Osama's wife, living with him, he remained in the compound for five years, he never came out of it. This makes suspicious whether he had been viewing those videos.
Someone said he never came out of it, so he could have desire of waxing his carrot, might be the reason of viewing those films.
According to earlier US Officials statements, Osama's compound was cut off from internet and other wires, so question arises whether those DVDs are left by US army over there?

Monday, May 9, 2011

Pakistan's economic condition after OBL's death

May 02, 2011 was the day of celebration around the world because world's most wanted man ($ 250 million) was killed in Abbotabad Pakistan. An operation was taken place by US military at 1 am PST. In the morning President of United States Barak Obama announced the news.
Here I'm not going to discuss what happened on that day because you people are much vigilant than me. Moreover, I'm not looking into conspiracy theories. The purpose of putting words here is to describe economic conditions of Pakistan after the event.

It was very difficult to get gasoline on the very first day when Osama was killed. The fiasco doesn’t end until now. It is very difficult to get tanks of vehicle filled at premium price even.

If I depict the picture of the stock market of Pakistan - Karachi stock market pronounced widely as KSE, is very horrible. Since January it was observing the bullish trend and touched the level of 12000 points. But on the second day of OBL’s death it started losing the confidence of foreign investors and punters too. On that day KSE-100 index lost more than 300 points and it is declining.

Moreover, US aid is the big injection in the economy of Pakistan but yesterday US senator has asked president to stop supporting Pakistan, which is ruining the economy. Foreign investors are reluctant to invest in such situation.

I must say world should back the Pakistan in this critical situation because it has suffered a lot due to terrorism, it’s time to support Pakistan at very front.

Saturday, April 30, 2011

Royal Wdding Localised


KARACHI: His Royal Highness Nawab Shahabuddin Mohammad Akbar the XXIII (popularly known as Prince Akbar) is all set to marry Sonya Usmani in what is marked to be ‘the’ wedding of modern day Pakistan. As the country winces under inflation and instability, many are making discounts for a day that’ll bring a spirit of celebration, formerly expected from the cricket team.

The government, as expected, has announced Friday, April 29, as a national holiday.

Critics believe the royal display of wealth is a show of apathy towards the nation’s crumbling economy. “They’re using the taxpayers’ money to pay Nizamuddin’s bill,” argued one socialite who wasn’t on event manager Frieha Altaf’s guest list. But the royal family’s spokespeople are arguing that since most people in Pakistan don’t pay taxes, this doesn’t apply.

The bride, Sonya Usmani’s dress is under great speculation and the ISI has been guarding the designer’s identity as a trade secret. Rumours are rife that it will be Bunto Kazmi, Faiza Sami or Sana Safinaz — Pakistan’s top bridal couturiers. But the already elusive designers have become more unapproachable and have refrained from commenting. HXY, also incredibly popular for bridal wear, was never in the running as the Royals believed it would be impossible for him to undertake a project so mammoth and not to talk about it.

While the groom will be wearing an Amir Adnan sherwani, topped with a regal ancestral turban, the bride will most certainly be dressed in a farshi gharara.

Whether she’ll cover her face with a traditional ghungat is also under discussion, given her French connections and the recent French ban on face veils. Her jewels, however, are believed to be over 300 years old and are priceless.

“I was asked to make the sherwani but the Royals were not willing to pay me,” designer Deepak Usmani, also a distant relative of the bride, told The Express Tribune exclusively. “After having worked so long in the industry, we expect at least that much respect yaar!”

The wedding procession will begin from the Governor House in Lahore, where Prince Akbar will ride his noble steed across the length of Mall Road. He will make a brief stop at Data Darbar (to offer a chaddar prepared by Junaid Jamshed) after proceeding to the Badshahi Mosque, where he will say his Friday prayers before the Nikkah officiates.

The royal couple will then be travelling back the same route in a bridal buggy (much after the Jumaa break) and will be entertained on route by the Royal Band, comprising of Atif Aslam and Ali Zafar. It is feared that Ali and Atif may refuse to share the stage at the eleventh hour so the ever-dependable Strings have been kept as a backup. Ali Azmat has been sent on a one-way trip to London.

The Mall Road, it must be noted, has been hit by a grand ‘clean up’ mission in preparation of the wedding procession that will include some of the nation’s top dignitaries.

In fact, ‘all’ dignitaries will participate in the wedding procession as not too many qualify as ‘dignified’ to begin with.

Beggars have been transported off to Gujranwala and socialites desperate to be on the Page 3 coverage of the wedding have been allowed to position themselves behind the pickets. Many of them have travelled from Karachi.

Unilever has sponsored the tents and has requested that all interviews be recorded against the branded backdrop.

Other than the usual politicians and government officials, a large number of fashion and entertainment celebrities will also be seen in their finery. “This will be the grandest and longest red carpet I’ve ever done before,” Frieha Altaf has boasted on record.

While most people are honoured to be invited to the royal wedding, film actor Praan, unfortunately, has asked for three million rupees to make an appearance and therefore, his invitation has been withdrawn.

“We don’t need them; they need us,” he went on record to say. “They are paying Shah Rukh Khan to come and perform at the after-party tonight, aren’t they? I am offended.”

Meera, Reema and Veena Malik have been forcibly sent across to India (not that they needed much persuasion) to create a diversion (in India) from Praan and the occasional rioters and trouble-makers that are protesting outside Badshahi Mosque. Also because it is feared that they will try and upstage the bride.

The royal wedding is being estimated as the most watched live TV coverage since Raymond Davis’ court hearing. This day has been long awaited in Pakistan, where weddings are always celebrated with fanfare and aplomb. 54 other channels (many of which we have never heard of) have been awarded permission with only a 10 per cent commission going back into the government’s ‘fun-raising’ charity for earthquake and flood victims.

Source: Tribune Pakistan

Wednesday, April 20, 2011

Entrepreneurship

Entrepreneurship is not only attached with starting a new venture. Entrepreneur is the one who absorbs the risk and turn that risk in making profit, building goodwill, getting contracts and making business more prosperous day by day.

So what are the ingredients to be a successful entrepreneur. Is it Fund that make a business successful, marketing activities or something else?

A Pakistani businessman, Majyd Aziz in seminar told the ingredients as follows:

1. Desire
2. Development.
3. Determination
4. Dignity
5. Dare
6. Discipline
7. Dedication

He argued finance, marketing, human resource activities are important but 7 D's are the ingredients for a successful entrepreneur.
As student of business I must say dedication is the most important for turning any business into a successful venture.

Friday, April 15, 2011

Jobs market of Pakistan for Business Graduates

Graduating from business school is the dream of every candidate in Pakistan, no matter where he/she comes from - Engineering, medicine, arts, humanities, etc. Is it worthwhile to be a business graduate in today's economical conditions of world generally and Pakistan specifically? This question can be answered by looking at the job market of the country.
In 2008, worldwide recession had deteriorate the economic conditions of the big economies – USA, UK, UAE, etc. and developing economies – Pakistan, India, Brazil, etc. too. However, big economies recovered from this slump but developing countries like Pakistan, Bangladesh and others too are paying price in terms of high inflation, unemployment, poverty, etc.
The highly indebt country Pakistan is suffering from the problem of liquidity, the main source of generating its liquidity is taxes, tariffs, aid and IMF loans. In recent years Govt. has raised taxes and tariffs at highest level of the history, which masses of the country are not accepting at all.
In respect to all of this condition the job market is very destructive as ever happened. The main reason for the destruction according to me is that everyone from every field wanted to be an MBA, despite of his/her strength in other fields.
However, aid from International donors for the development projects is good trigger. This is creating jobs for the business graduates as accountants, managers, field officers, etc. In addition, world’s largest bank in terms of value, Industrial and Commercial Bank of China Limited (ICBC), is about to enter in Pakistan. This investment will surely help economic conditions to recover and create jobs for the business graduates.
Last but not least political condition is getting better along with the social and economic conditions, which is strengthen the confidence of investors and I hope very soon there will be good news for business graduates.

Sunday, March 27, 2011

Mini Battle will begin on March 30

The two countries, which always have been anti to each other in every walk of life ranging from politics to game, will play ICC World Cup 2011 semi-final on March 30.

In this connection experts have been naming this match as mini-battle between both of the countries. The situation for both the teams is like 'Do or Die'.

What record says? India have never been defeated in world cups matches by Pakistan. Has Pakistan need to worry little bit about the situation? The Odds of Indian team are higher than Pakistan? Will Odds favor the Indian team?
Certainly not, because if we look at other side of the coin. Pakistan have never lost any match at Mohali cricket ground from India. This makes very interesting to the match. Both of the team posses some records but unpredictability of Pakistani team makes it hot favorite team of the tournament.

Ultimately,people of sub-continent see the victory of game no matter who wins the battler..

Tuesday, March 8, 2011

US have made more than 1 million fake Facbook Accounts!

In the age of technology where the whole world - Asia, Africa, Europe, America, Australia, is considered as a Global village. People of every country are so close to each other that they can hear voice from one remote place of the world to another, this has been blessed only because of Internet.
Technology has been considered the key of every invention, modernization, change, in short, of everything.
Tunisia, Egypt, Libya and many other revolutions have been correlated with the technology; Egyptian revolution has been considered technological revolution, which merely came into being via Facebook.

Apart from all this, one of the US newspaper claimed that US have made more than 1 million Facebook accounts to instigate agitation in the countries like Tunisia, Egypt, Libya and many more.
Experts claiming that US is controlling Facebook, through, they wish control the world or masses of the every country.

So, in gist, I'm fearing about the use of my name by US officials!!

Thursday, March 3, 2011

Pakistan vs Canada

Pakistan has been all out on 184, which is very meager score to win the match despite low score the morale of team is very high to win the match.

Experts opined that Canada is not a experienced team, hence, there are very bright chances that Pakistan will celeberate the victory in this match.

Lets how Green shirts can manage the vitory.

Best of Luck!

Monday, February 21, 2011

Year of Revolutions

After the big chnage of technology, which changed the world totally from seperate villages to a one single global village. Now it has been experiencing the utter change in many nations in terms of REVOLUTIONS.
After the change is Tunisia and Egypt, many Arab nations are expecting to chage theri leadership. Now its turn of Bahrain, Yemen, Libya and Algeria.
Masses of the each country are on the roads to claim leadership chnage, which is two to three decades old.
We hope for the best for those nations.

Saturday, February 12, 2011

Bravo Egyptian People!

After the struggle of 18 days, President of Egypt, Mr. Hosni Mubarrak resigned from the chair.
Thousand of Egyptian people gather at Tahrir Square to celeberate the most memorable day of thier history.


When masses stand no governement can stand to resist them, this has been proved in recent revolution of Egypt.

Monday, February 7, 2011

Zaradari lodged case against Jang group of Publication of $100 million

President Asif Ali Zardari lodged case against the Jang group of publication on telecasting the rumor of his marriage.
Sources said some days before many website including Jang group of publication on spreading false rumor of his maariage with Tanveer Zamini.
He was opined that his credibility has been damaged by the false information.

Thursday, February 3, 2011

Rumors affloat on President of Pakistan Asif Ali Zardar's marriage with Tanveer Zamani




Asif Zardari got married to Tanveer Zamani according to Muslim Shiyat Bylaws in Dubai last week.
The ceremony has not been held. However the marriage religious vows, paper work and prenuptials have been confirmed. Nine black goats, 6 cows and 1 camel was sacrificed at this sacred occasion.
Many websites are confirming the news as the event occured in recent days.

She is a Mediterranean descent American resident, and she lives in Gramercy Park, Manhattan, New York.
Zamani is a practicing physician and known to be a Bhutto party loyalist.
She earned PhD degree in International Politics from UK. She owns estates in London, Dubai, Islamabad and Manhattan.
However, world is eagerly waiting for the official announcement.

Tuesday, February 1, 2011

Raymond (US Citizen) name has been put on ECL



Davis Raymond has killed two Pakistani's in Lahore, which at first point has been said to be the employee of US embassy, later news confirmed he was not employee there.
Raymond's name has been put on Exit Control List (ECL).
The Lahore high court bench is listening the case of Raymond.

Tuesday, January 25, 2011

Facebook acquired fb.com

Kindle Wireless Reading Device, Wi-Fi, Graphite, 6" Display with New E Ink Pearl Technology
Facebook has paid $ 8.5 million to acquire www.fb.com
Now users need not to type 'facebook.com' rather it can be poped up by simply typing 'fb.com'.
This is the way to make facebook unique and make it alive for ling time. This stratgey will work for organisation like social media for long time.
Best of FACEBOOK!
The King Is Dead

Sunday, January 23, 2011

Pakistan Army Charged $1.4 billion for illegal use of public land

about $1.4 billion by the Auditor General of Pakistan after an audit report showed that the army had been using government land for commercial purpose illegally for decades.
Auditor-General of Pakistan, Tanveer Agha, has charged the Pakistan Army a mind-blowing sum of 120 billion rupees based on an audit report that reveals illegal, commercial use of public land by the army for decades.
According to the country's famous English daily The Express Tribune, the audit report was brought up before the Public Accounts Committee (PAC) in a meeting held on Thursday, January 20, 2011, in Islamabad. It showed illegal commercial use of Lahore’s Fortress Stadium by the army for decades without paying anything to the government. The Auditor General told the committee that the army should pay the government 120 billion rupees (about $1.4 billion), the amount they have generated over the years by the unfair use of public land in question.
Retired Lieutenant General Athar Ali, Pakistan’s Defense Secretary, defended the army in the meeting, regarding the report as nothing else but the auditor’s attempt to malign the army. He called the report’s figures “laughable”. The committee’s chairman, Chaudhry Nisar Ali Khan, commented that some people were trying to malign the army, though he didn’t name anyone.
The discussion is said to have got so heated that one member, named Zafar Padhiar, warned he’d quit the committee since a friend of his had advised to write his will for putting army officers to question.

In this connection, masses of Pakistan generally and Political figures particularly raised voice to make army accountable in the court of law. People who are talking about this accountability also give example of recently alleged Indian Army General who is suspended.

Saturday, January 15, 2011

Pakistan: More than 3,000 companies registered in 2010

The Securities and Exchange Commission of Pakistan (SECP) registered 3,151 companies during the outgoing year – a 12 per cent increase from the 2,762 registered in 2009.
According to figures released by the SECP on Friday, new registrations included 2,881 private companies, 142 single-member companies, 46 public unlisted companies and 42 foreign companies among others.
The country’s total corporate portfolio as of December 31 stood at 57,689 registered entities.
The total authorised capital and paid-up capital of the companies registered during last year was Rs43.5 billion and Rs16.9 billion, respectively.
During the same period, 910 companies increased their authorised capital with an aggregate increment of Rs163.16 billion, while 171 companies raised their paid-up capital with the total increment amounting to Rs38.67 billion.
The number of new registrations has gone up from the preceding year because of SECP’s online registration facilitation mechanism – eServices, which has made the registration process simpler and encouraged companies to abide by SECP regulations.
Almost 40 per cent of the companies were registered online, indicating the growing acceptability of the platform.

Friday, January 14, 2011

A new Wave of Target Killing in Karachi, Pakistan

A new target killing wave is on surge in Karachi, which claimed the life of 22 people in 24 hours including one of Geo TV reporter Wali Khan Baber.
Pehlwan Goth and Orangi are the main areas, which have been affected since the target killing has been started.
In addition, Police and Rangers is seraching for the agitators in Pehalwan Goth.

This is main the game of Political Parties, which for their interest boost members of its party to achieve theri hidden agenda, says on fo government official.

Thursday, January 13, 2011

Reviving the Memories of Ashfaq Ahmed

Ashfaq Ahmed, (August 22, 1925 – September 7, 2004) was a distinguished

writer, playwright, broadcaster, intellectual and spiritualist from Pakistan. His prime qualities of heart and hand earned appreciations across the borders. He was regarded by many as the best Urdu Afsana (short-story) writer after Saadat Hasan Manto, Ismat Chughtai and Krishan Chander following the publication of his famous short-story "Gaddarya" [The Shepherd] in 1955.


Works

Aik hi boli
Aik Mohabbat 100 Dramey
Aik Muhabbat So Afsaney
Arz-e-musannif
Aur Dramey
Band Gali
Baba Sahiba
Dhandoraa - Talqeen Shah
Gadaria - Ujlay Phool
Gulldan
Hairat Kaadah
Hasart-e-Tameer
Jung Ba Jung
Khail Tamasha
Khatiya Watiyaa - Poetry
Man Chaley Ka Soda
MehmaansaraeyNangey Paoon
Safar Dar Safar
Safar e Maina
Shahla Kot
Shehre Aarzoo
Shora Shori - Talqeen Shah
Subhaey Ifsaney
Talism Hosh Afza
Tota Kahani
Uchay Buraj Lahore Dey
Waday e Jang
Zaviya - 1
Zaviya - 2
Zaviya - 3
Zaviya - 4
Zaviya - 5
Zaviya - 6

He used to say 'Allah aap ko aasaniyan ata farmaye aur aasaniyan taqseem karni ki toufeeq ata farmaye.' These words were from his hearts that nobody cab forget.

Monday, January 10, 2011

FACEBOOK WILL END ON MARCH 15th!

PALO ALTO, CA –Mark Zuckerberg announced that Facebook will be shut down in March. Managing the site has become too stressful.
“Facebook has gotten out of control,” said Zuckerberg in a press conference outside his Palo Alto office, “and the stress of managing this company has ruined my life. I need to put an end to all the madness.”
Zuckerberg went on to explain that starting March 15th, users will no longer be able to access their Facebook accounts.
“After March 15th the whole website shuts down,” said Avrat Humarthi, Vice President of Technical Affairs at Facebook. “So if you ever want to see your pictures again, I recommend you take them off the internet. You won’t be able to get them back once Facebook goes out of business.”
Zuckerberg said that the decision to shut down Facebook was difficult, but that he does not think people will be upset.
“I personally don’t think it’s a big deal,” he said in a private phone interview. “And to be honest, I think it’s for the better. Without Facebook, people will have to go outside and make real friends. That’s always a good thing.”
Some Facebook users were furious upon hearing the shocking news.
“What am I going to do without Facebook?” said Denise Bradshaw, a high school student from Indiana. “My life revolves around it. I’m on Facebook at least 10 hours a day. Now what am I going to do with all that free time?”
However, parents across the country have been experiencing a long anticipated sense of relief.
“I’m glad the Facebook nightmare is over,” said Jon Guttari, a single parent from Detroit. “Now my teenager’s face won’t be glued to a computer screen all day. Maybe I can even have a conversation with her.”
Those in the financial circuit are criticizing Zuckerberg for walking away from a multibillion dollar franchise. Facebook is currently ranked as one of the wealthiest businesses in the world, with economists estimating its value at around 7.9 billion.
But Zuckerberg remains unruffled by these accusations. He says he will stand by his decision to give Facebook the axe.
“I don’t care about the money,” said Zuckerberg. “I just want my old life back.”
The Facebook Corporation suggests that users remove all of their personal information from the website before March 15th. After that date, all photos, notes, links, and videos will be permanently erased.

Well, my analysis is that its a rumor becuase Facebook has recently signed an agreement to issue IPO of $50 billion. Its almost impossible to believe that an organsiation which is enjoying the rule on social websites world is about to finish its operations.
Moreover, sources suggest that Facebook earns $2 billion a year, which is a handosme amount, which no body is going to forgo!

Cheers Buddies, there will be no end of Facebook in coming 2 years atleast!

Saturday, January 8, 2011

Facebook's Initial Private Offering

As investors enjoy their second straight January with positive brokerage statements in the mail, there's more than a whiff of optimism in the air. The Dow Jones Industrial Average is on course for its biggest two-year bull run since 1932, and individual investors are finally showing signs of getting back into stocks. The period Dec. 1 to Dec. 29 saw a total of $14.90 billion move out of bond funds and $5.51 billion into stock funds.
The appetite for risk is back. For better or worse, people are ready to get in on the next hot play. America, after all, has always been a place where investors could ride the good fortunes of its most innovative companies. Hasn't it?
In 1995 the locus of innovation was Web pioneer Netscape Communications, whose initial public offering ignited five of the most lucrative years in market history. In 2004 it was Google (GOOG), whose "Dutch auction" IPO invited anyone to bid on a share price; those who bid over $85—small and large investors alike—got in on what has turned out to be a 618 percent return.
Today, the It company is Facebook, the seven-year-old social network that last summer bagged its 500 millionth active user and whose founder and chief executive officer, Mark Zuckerberg, was named Time's Person of the Year for 2010. When a privately held company displays this level of innovation and enjoys this level of success—when it captures the public imagination to such a remarkable degree—it's only natural that investors want to own a piece of it. Secondary exchanges such as SharesPost have been trading insiders' shares of Facebook at a level that values the enterprise at $42 billion. A Facebook IPO would benefit insiders and investors alike; all the 26-year-old Zuckerberg needs to do is reserve the ticker symbol—FACB? FRND?—and say the word, and the wealth-creating magic of democratic capitalism would unfold.
It isn't unfolding, however—at least for now. In what feels like a profoundly unfriendly move for a company with 500 million friends, Facebook has struck a private deal with Goldman Sachs (GS) and Russian investment firm Digital Sky Technologies (which is full of Goldman veterans) to sell them a $450 million and $50 million stake, respectively, in the company. A preferred and limited roster of Goldman clients would also buy in to the tune of about $1.5 billion. The deal, which values the social network at $50 billion, or more than two Yahoo! (YHOO)s, is expected to be structured by Goldman to allow Facebook to remain below the 500-investor threshold that would force it to make an array of Securities and Exchange Commission disclosures. A special Goldman fund with numerous client investors, the legal thinking goes, could be counted as a single investor.
Some funds within the wealth management division, such as the hedge fund Goldman Sachs Investment Partners, are also likely to get some of the private Facebook stock, according to two people familiar with the matter who requested anonymity because they weren't authorized to discuss the deal. Clients are being offered the opportunity to invest as much as $2 million apiece with Goldman taking a 4 percent placement fee and 5 percent of any investment profits plus an annual servicing fee, according to two clients who were offered shares. "If you're an underwriter, you love this kind of discretion," says Jay R. Ritter, a University of Florida professor who studies public offerings. "It gets you the maximum pay-to-play benefit."
The structure of the deal is also novel. While Goldman Sachs routinely distributes offerings to its institutional and high-net-worth brokerage clients (minimum account size: $10 million), interested buyers this time would have to agree to hold on to their shares until 2013 and keep a lid on material nonpublic information. Stephen Cohen, a Goldman Sachs spokesman, declined to comment.

As for as, my point of view is concerned, I would Facebook will not sustain for long. The investment in facebook is like a buble, which may vanish anytime. In social websites, there is very short life time, we saw the boom of 'orkut', its no more used by anybody. Likewise, no body is sure that Facebook will remain in the world.

In addtion, the hatered against Facebook in Muslim world is also a concern becuase it has hosted the Cartoon contest of Prophet PBUH.

Best of luck Facebook!!

Friday, January 7, 2011

Africa's impressive growth

Africa is now one of the world’s fastest-growing regions
MUCH has been written about the rise of the BRICs and Asia’s impressive economic performance. But an analysis by The Economist finds that over the ten years to 2010, six of the world’s ten fastest-growing economies were in sub-Saharan Africa. On IMF forecasts Africa will grab seven of the top ten places over the next five years (our ranking excludes countries with a population of less than 10m as well as Iraq and Afghanistan, which could both rebound strongly in the years ahead). Over the past decade the simple unweighted average of countries’ growth rates was virtually identical in Africa and Asia. Over the next five years Africa is likely to take the lead. In other words, the average African economy will outpace its Asian counterpart.

Thursday, January 6, 2011

Motorola unveils tablet computer, the Xoom


LAS VEGAS: US telecom maker Motorola Mobility has jumped into the bustling tablet computer market with a touchscreen device powered by "Honeycomb," the latest version of Google's Android software.

Sanjay Jha, the chief executive of Motorola Mobility, also presented three new Android-powered touchscreen smartphones to reporters on the eve of the annual Consumer Electronics Show (CES).

Motorola Mobility's hotly awaited tablet computer, the "Xoom," will be available in the first quarter of the year, Jha said.

With a 10.1-inch (25.6-centimeter) screen, the Xoom is about the same size as Apple's iPad, which hit stores in April and has other leading technology companies around the world scrambling to catch up.

More than 100 firms are expected to unveil tablet computers at CES, which officially opens on Thursday and features more than 2,600 exhibitors of the latest gadgets.

Jha said the Xoom will be the first tablet computer to hit stores featuring Android 3.0, or Honeycomb, an operating system developed with tablets in mind instead of smartphones.

"It's been designed ground up for the tablet, the user interface, the whole interaction," Jha said. "It has multi-tasking capability."

"All of these things, I think, deliver an experience which make Android 3.0 on our tablet probably in my opinion the most competitive product in the marketplace," he said.

Jha pointed out several features on the Xoom that the iPad does not have including front- and rear-facing cameras and the ability to play Adobe Flash video software, which is banned from the Apple device.

He said the first Xooms to hit the market will feature 3G connectivity to the Internet through US carrier Verizon Wireless. A 4G Xoom will come out later in the year and 3G versions can be upgraded to 4G.

Jha also unveiled three new smartphones, the Atrix 4G, available through US telecom giant AT&T in the first quarter of the year, the Cliq 2 and the Droid Bionic.

A laptop dock for the Atrix 4G allows a user to connect the phone to a computer monitor and surf the Web using a full Firefox desktop browser.

The Cliq 2, available through Deutsche Telekom's T-Mobile in the United States from January 19, features a slide-out keyboard and was described as a device offering "business-ready features and robust entertainment options."

The Bionic Droid, which will be available in the second quarter of the year, is designed specifically for Verizon's 4G network, which was launched in December and currently covers about one-third of the US population.

It offers mobile Internet speeds up to 10 times faster than 3G and will, for example, allow high-quality streaming of television shows.

Chief executive Jha rolled out the new products here a day after the Illinois-based Motorola split into two companies, Motorola Mobility and Motorola Solutions.

Motorola Mobility will focus on mobility, the Internet and computing markets while Motorola Solutions will target next-generation communications solutions to government, public safety and enterprise customers.

Tuesday, January 4, 2011

Pakistan: Governor Punjab has been killed

ISLAMABAD: Governor Punjab Salman Taseer was dead after one of his guards, named Malik Mumtaz Hussain Qadri, opened fire on him when he was going towards his car in Kohsar Market here today.

Interior Minister Rehman Malik confirmed to the media that the guard has been arrested. He has confessed that he opened fire on the governor because of his support to Asia Bibi, he added. Asia Bibi was convicted on blasphemy.

A policeman of elite force opened burst on the governor. He received bullets on his chest and neck. He was rushed to Poly Clinic but succumbed to the injuries.

The police have also arrested six suspected people from the spot.

Salman Taseer, 66, appointed governor of Punjab in 2008, was killed by one of his bodyguards opposed to his public criticism of controversial blasphemy laws.

"He was a very good friend, a politician and a businessman. He was a national hero we have lost him," said interior minister and PPP stalwart Rehman Malik.

He named the assassin as Malik Mumtaz Hussain Qadri, a guard assigned to the governor from the garrison city of Rawalpindi on at least five or six previous occasions.

"He confessed that he killed the governor because he had called the blasphemy law a black law," Malik said.

Police and anti-terror forces surrounded the area and closed the market after the attack. A silver Toyota car with a flat wheel was parked on one side.

Blood was smeared on the road in two places, said a reporter.

The body of deceased has been shifted to PIMS hospital where autopsy is underway. According to initial post-mortem report there were 27 bullet wound on the body of Salman Taseer, adding that 22 bullets have been removed from the body.

Meanwhile, PPP Punjab senior leader Raja Riaz while talking to media said that the body of deceased would be brought back to Lahore tonight. The funeral prayer of Salman Taseer would be held at governor house tomorrow.

Monday, January 3, 2011

Musharraf to return homeland before elections

Former president and head of All Pakistan Muslim League (APML)has announced that his party members are preparing ground for his return.
He was very optimistics about the election, according to him people love him and he will surely hit high score in upcoming elections.

On the other hand government led by Pakistan Peoples Party (PPP) said that Judiciary is ready to welcome Former President Musharraf who is said to be accused in Benazir Bhutto assassination.

Lets wait for the time to decide :)

Sunday, January 2, 2011

Weekly review: KSE ends week, year with bang.




KARACHI: The Karachi Stock Exchange (KSE) witnessed the traditional year-end rally to give a cheerful farewell to 2010. Despite late selling on the last trading day of the year, KSE-100 index registered an increase of 1.4 per cent to end the outgoing year at 12,022 points – its highest since July 2008.
Overall, the benchmark index provided returns of about 28 per cent year-on-year.
Foreign inflows for the week clocked in at higher levels with the net amount standing at $12.2 million, compared with just $5.5 million in the preceding week. The net inflow of foreign investments for the year tallied at an impressive $526 million.
United Bank Limited (UBL) and Fauji Fertiliser Company (FFC) dominated discussions at the bourse during the week. Bestway Group’s acquisition of an additional 20 per cent stake in the bank encouraged positivity amongst investors, as did the disbursement of $633 million to the country as part of the Coalition Support Fund from the United States.
FFC’s stock ticker continued to rise despite an explanation call issued by the government to fertiliser companies over the increase in the price of fertiliser.
Although the market did not immediately respond positively to the International Monetary Fund’s nine-month extension for meeting conditions attached to the standby arrangement, the decision eased uncertainty on the political front to some extent.
Market activity during the week was heavily concentrated in blue-chip stocks, particularly from the energy sector as investors took cue from rising international oil prices. “Despite political noise, the oil and gas sector along with the banking sector stole the show at the bourse during the week,” read a KASB research report.
While the index ended the year at its highest level since July 2008, market volumes told a different tale. Average daily volumes were down 30 per cent compared with 2009, standing at a meagre average of 121 million shares.
What to expect this year?
InvestCap analyst Imran Safdar termed the immediate outlook for equity prices ‘neutral’, citing the tug of war on the political front, coupled with the silver lining of earnings growth and economic recovery.
“With the election of new directors at the exchange, a new round of negotiations on the leverage product may start and any positive outcomes should drive the index up,” stressed analyst Imtiaz Gadar in a research report. The report also termed the commencement of trial operations at Engro’s new urea plant positive for future trade sessions at the bourse.
After a difficult year, analysts maintain a positive view on the market on the back of foreign inflows, strong growth in earnings, potential introduction of a leverage product and post-flood reconstruction activities.
Nonetheless, it is important to note that higher-than-anticipated commodity prices and discontinuation of the IMF programme remain key risks.
Monday, December 27
The stock market opened the week with a bang as the bourse surged 52 points to close at a 30-month high while volumes remained at a month low.
The Karachi Stock Exchange benchmark 100-share index ended 0.43 per cent or 51.56 points higher at 11,909.73.
Tuesday, December 28
The conflict between the government and coalition partners caused jitters among investors who trimmed their positions especially in oil and fertiliser stocks, according to analysts.
The 100-share index ended 0.52 per cent or 61.68 points lower at 11,848.05.
Wednesday, December 29
Renewed local buying interest in banking stocks helped the index rise 38 points on Wednesday, in line with regional markets.
The benchmark index ended 0.32 per cent higher at 11,886.02 points.
Thursday, December 30
Investors welcomed the newly elected board members at the KSE as the benchmark index at the bourse closed at a 30-month high on Thursday.
The 100-share index rose 145.44 points, or 1.22 per cent, to end the day’s trade at 12,031.46 points.
Friday, December 31
Mixed performance was witnessed on the last trading session of the year and the index managed to close flat at 12,022.46 points after a decline of nine points, or 0.07 per cent.

Sourcse: Tribunre

The Real Blasphemers

Express Tribune Reports:

The issue of Aasiya Bibi’s alleged blasphemy became one of the hottest topics for debate in 2010. At a very basic level, the question that everyone sought to answer is this: How are we, as Muslims, meant to deal with blasphemy?
This question has a simple answer: we should ignore people who are accused of blasphemy and tell them that the great man whom they are supposedly targeting in their acts of blasphemy was the one who taught us to ignore their actions and focus on more positive things in life.
There are several passages in the Quran which mention acts of blasphemy committed against the prophet and the message of Islam, three of which are more important than the others. None of these passages contains any indication that those found guilty of blasphemy ought to be killed. If there was a punishment for blasphemy in Islam, it should have been clearly mentioned in the Quran, especially in the passages where occurrences of it during the prophet’s lifetime are mentioned.
In the first passage that refers to blasphemy, the Quran informs us that hypocrites used to attend the Prophet’s (PBUH) gatherings intending to tease him. They used to say “ra‘ina” (please say it again), twisting their tongue to prolong the vowel sound ‘I,’ so it sounded like they were saying a different word which meant “our shepherd”. Instead of condemning the perpetrators to a punishment, however, the Quran said: “Believers, don’t say ra’ina; instead say unzurna and listen carefully (so that you don’t need to ask the Prophet to repeat his statements),” (Quran; 2:104). The word unzurna, like ra’ina, served the same purpose.
Another passage says: “Believers, don’t make such individuals from amongst the people of the book and the disbelievers (of Makkah) your friends, who tease and make fun of your religion. And fear Allah if you are true believers. When you are called for prayers, they make it an object of ridicule. This they do because they are a group of people who don’t know (the truth),” (Quran; 57-58). Had the intent of the divine law been to kill those who made fun of religion, this passage would have been an appropriate occasion to make this fact unambiguously clear. Instead, the believers were asked to ignore ‘blasphemous remarks’ and were told to refrain from befriending these people.
A third passage in the chapter titled “Hypocrites” talks about the designs of the leader of the hypocrites and his followers, who, during one of the expeditions of Muslims beyond Madinah, blasphemed against the Prophet (PBUH) and his companions in the following words: “They (the hypocrites) say ‘When we shall return to Madinah, the honorable shall expel the mean from there’, even though honour is for Allah and His messenger, and believers, but these hypocrites are unaware,”
(63:7-8). Indeed what Abdullah Ibn Ubai’i, the leader of the hypocrites, and his followers said was blasphemy. The message of God, however, only clarified the truth in response to the blasphemy they had uttered. Abdullah Ibn Ubai’i later died a natural death in Madinah. Despite the fact that he was living in the very city that was ruled by the Prophet (PBUH), he wasn’t put to death nor did he suffer any lesser punishments in retribution for the act of blasphemy he and his companions were guilty of committing.
If the Quran does not sanction specific punishment for blasphemy, why then are Muslims bent upon demanding death for blasphemy? The answer is that according to some Hadith, some disbelievers were killed for being guilty of blaspheming against the Prophet (PBUH) during his lifetime.
The reality is that, as has been clarified above, there is no punishment for blasphemy in Islam. The only exception is this: according to divine law, those people who directly received the message of God through His messengers were destined to be killed if they rejected and condemned it. This was a law that was specific to the direct addressees of the prophet only. It has been clarified in the Quran that such people were destined to receive the punishment of death, in one form or the other, after a certain God-ordained deadline was reached. That deadline had already arrived for the disbelievers of Makkah thirteen years after the prophetic mission had started, at the time when the Prophet (PBUH) and his companions were forced to migrate from the city to Madinah. The first phase of that punishment took care of the entire leadership of Quraish, the clan that ruled Makkah, two years after the migration in the Battle of Badr. That process continued for different people on different occasions. When the people of the book, the Jews and the Christians, denied the Prophet’s (PBUH) message, they too became eligible for the same punishment. However, in their case the punishment was relaxed: they were forced to live the life of second-rate citizens and pay Jizya, the non-Muslim tax (Quran; 9:29). Only those Jews and Christians who had not only denied the Prophet’s (PBUH) message but had also gone on to tease, insult, and threaten his life, were considered worthy of being killed like their counterpart polytheist disbelievers of Makkah.
Clearly, such punishments were meant to be applicable only to a certain group of people living in a particular era. Their crime and the rationale for their punishment have both been mentioned in the Quran. Their punishment wasn’t based on a Shari’ah law; instead it was based on God’s own direct intervention. For the rest of the people, the general rule mentioned in the Quran states that blasphemers are meant to be ignored- this was meant to continue to remain applicable for all times to come.
According to the Quran, only two types of criminals can be sentenced to capital punishment: those who are guilty of murder, or those who create mischief on earth. Anyone who took the life of another soul for reasons other than these two, according to the Quran, would be as if he killed the entire mankind. (Quran; 5:32) The law stipulating capital punishment for the act of blasphemy therefore is clearly against the Quranic message of the verse referred to above.
Of course, one could say that blasphemy is a form of ‘creating mischief on earth’ — but this argument is not valid because ‘creating mischief on earth’ has been described in the Quran like this: “Those who wage a war against Allah and His messenger and strive to create mischief on earth.” That crime is committed when an individual or a group commit murders, burglaries, or rapes and cause the life, property, and honour of innocent citizens to be harmed. Indeed, making profane remarks about the prophet is a crime, but the one committing it neither declares a war against Allah and His messenger nor does he struggle to create mischief on earth.
Islam’s message is of peace and tolerance. Bigotry, aggression, and extremism have nothing to do with it. Those who promote the latter evils in the name of Islam are the real threat to the propagation of its message.

The author is the Dean of the Faculty of Arts and Social Sciences, University of Central Punjab.
Published in The Express Tribune, January 2nd, 2011.

Saturday, January 1, 2011

The ‘Bestway’ for United Bank Limited?

Despite a restructuring in the shareholding of United Bank Limited (UBL), management control of the bank shall remain unaffected.

A letter sent by the UBL to Securities and Exchange Commission of Pakistan cited that “the consortium of Bestway Group (BG) and Abu Dhabi Group (ADG) hold 61.37 per cent shares in and control of UBL”. The letter explained that management control of the bank will remain with this consortium.

On the other hand, some analyst believe that Bestway will take over the management of UBL in the mid of 2011.

Welcome January 2011

aey naey saal bata tujh main naya pan kia hai
her taraf khalq nay kiun shor macha rakha hai
roshni din ki wo hi taaron bhari raat wo hi
aaj hum ko nazar aati hai her baat wo hi
aasman badla hay afsos na badli hay zameen
...aik hindsay ka badalna koi jiddat to nahi
aglay barson ki tarha hongay qareenay teray
kisay maaloom nahi bara maheenay teray
janwari,farwari aur march main pare gi sardee
aur aprel ,maee ,joon main hogi garmee
tera san e dehar main kuch khoaey ga kuch paey ga
apni meeaad basar kar k chala jaay ga
be sabab detay hain kiun loag mubarak baadain
ghaliban bhool gay waqt ki karrwee yaadain
teri aamad say ghatti umer jahan main sab ki
faiz ne likhi hai ye nazm niraalay dhab kPoet: Faiz


Janaury
i
Dil behlaane ki nahi koi sabeel
january ki sard raatein hain taveel
daalta hoon apne maazi par nigaah
gaahe-gaahe kheenchta hoon sard aah
kis tarah ab dil ko raah par laoo’n main
kis bahaane se usse bhulaaoo’n main
sab ko mahv-e-khawab raat chhod ke
neend aati hai mere shabistaan mein mere
mujh ko sote dekh kar aata hai koi
mere seene se chimat jaata hai koi
dekhta hoon aa ke aksar hosh mein
koi zaalim hai mere aagosh mein
khud ko magar tanha hi paata hoon main
phir ghadi-bhar baad so jaata hoon main
phir kisi ko dekhta hoon khawaab mein
iss dafa pehchaan leta hoon tumhe
bhaag jaate ho qareeb subha-dam
chhod dete ho raheen ranj-o-gham
mujh ko tum se ishq tha mudaat huee
unn dino tum ko bhi ulfat mujh se thi
kam nigahi iqtasa-e-saal-o-sun
kya huee thi baat jaane ek din
band apna aana jaana hogaya
aur uss par ek zamaana hogaya
tum galat samjhe hawa mein baad-gumaan
baat chhoti thi magar pahonchi kahaan
jald hi main to pashemaan hogaya
tum ko bhi ehsaas kuch aisa hua
nasha pindaar main lekin thhey mast
thi giraa’n dono pe tasleem-e-shiqast
hijr ke sehra ko tay karna pada
mil gaya tha rehnuma ummeed sa
hai meri jurrat ki asal ab bhi yahi
dil ye kehta hai ke dekhein to sahi
jis mein utra tha hamaara kaarvaa’n
ab bhi mumkin hai wo khali ho makaa’n
aaj tak dete rahe dil ko fareb
ab nahi mumkin zara taab-e-shakeb
aao mere deeda-e-tar mein raho
aao,is ujde hue ghar mein raho
hausle se main pehal karta to hoon
dil mein itna soch kar darta bhi hoon
tum na thukra do meri daawat kahee’n
main ye samjhunga agar kehdo nahi
gardish-e-ayaam ko lauta liya
main ne jo kuch kho diya tha paa liya.Poet: Ibn-E-Insha