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اساں مرنا ناہیں

اساں مرنا ناہیں

اج وی ساکوں یاد اے مرشد

پہرے دار دی گھات

یارہاں سال دی رات

پیریں اچ زنجیراں پا کے

نچدے گاندے لوگ

بلھے شاہ اساں مرنا ناہیں

وسدی راہسی جھوک

 

Istisnā’- a Realistic Approach to the Concept in Islamic Finance and its Application to the Agricultural Sector in Pakistan

Farmers predominantly belong to lower class of the society, particularly in developing and under developing countries. This actuality really put them on back-foot in every sphere of life, including their various agricultural activities.  For instance, they always face problems to fulfil their agricultural requirement, both for crop and non crop activities, and hence, not in position to get utmost benefits from their efforts. Being citizens of a developing country, Pakistani farmers come across the identical situation. As they are Muslims, therefore, avoid securing interest based loan from the financial institutions. Islamic financial system provides an alternate to such interest based arrangement in the shape of various financing techniques. Among these, Istisnā’ (manufacturing) is the most important one which can be used effectively for the fulfilment of various agricultural requirements. However, its role is more dominant in the satisfaction of non crop agricultural activities that is for example, manufacturing of some heavy agricultural machinery and equipments, installation of tube-wells and channels for appropriate irrigation system, construction of small houses for farmers in their lands etc. The present work discusses the theoretical background of this mode, available in the scholarly work of classical and contemporary Muslim jurists’ work, followed by the description that how it can be used for financing various sectors of agriculture. Study reveals the transaction is equally viable for the development of all sectors of agriculture like local farming, fish farming, dairy farming, poultry farming, horticulture etc. The intended results can be achieved when the financial institutions apply the transaction in its true spirit and philosophies envisaged for it by Islamic commercial law, and not mere a source of earning profit.

قومی شہری تعلیم کمیشن بل ۲۰۱۸ کا تحقیقی جائزہ، پاکستانی نوجوانوں میں جرائم کے بڑھتے ہوئے اسباب کے تناظر میں

قومی شہری تعلیم کمیشن بل ۲۰۱۸ کا تحقیقی جائزہ، پاکستانی نوجوانوں میں جرائم کے بڑھتے ہوئے اسباب کے تناظر میں، LLM thesis by Rehmat Aziz Khan Chitrali
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