METODE PARTISIPATIF, CERAMAH, DAN DISKUSI PADA AL QURAN SURAT AS-SHAFFAT AYAT 102

This research is motivated by a phenomenon of poor communication between parents and children. In the world of education, there was a lack of approaches and methods used by educators in providing subject matter so that what was delivered by the educator did not achieve the expected goals. The problem in this research is how the participatory methods, lectures and discussions contained in the As-Shaffat letter verse 102. The purpose is to describe the educational methods contained in the As-Shaffat letter verse 102 in the form of participatory methods, lecture methods and discussion methods. This research is a Library Research. The method of interpretation used in this study is the method of interpretation of maudhu 'or thematic methods which interpret verses of the Qur'an based on specific themes. The method used in the explanation of the verse is the method of tahlili or analysis that explains the verses of the Qur'an by examining its aspects and revealing its whole purpose. The results of study and analysis, as well as data processing from various sources, obtained the first result that the educational method contained in the As-Shaffat verse 102 is a participatory method used by educators, which involves all elements in the educational process especially students, with active participation from participants students will facilitate educators in delivering the material to be given. Both lecture methods, in conveying information, especially learning materials can be done with the lecture method. An educator prioritizes good attitudes so that the material can be accepted by students. The third method of discussion is to involve students in giving their opinions. With the discussion in learning, the lessons will become warmer and will train students to be more courageous in opinion.

The Microfinance Paradigm: Poverty Alleviation and Economic Empowerment A Case Study of Bahawalpur Division

The focus of this study is mainly on impact of microfinance on poverty alleviation and economic empowerment as well as on the effectiveness of economic, social and institutional factors in manipulating the role of microfinance. It also investigates the impact of different microfinance models and gender differential on poverty alleviation and economic empowerment in the prospective of microfinance. It is a primary data research conducted in the Bahawalpur division, Pakistan. The study employed the tool developed in collaboration by Assessing the Impact of Microenterprise Services (AIMS) and Small Enterprise Education and Promotion network (SEEP). The tool has been modified in the local context. Like all the AIMS studies, the present study also used the group of incoming clients as the comparison group in order to deal selection bias. The sample consists of 1524 respondents, out of which 773 are established clients (treatment group ) and 751 are incoming ones (control group), belonging to different microfinance providers of Pakistan that are NRSP, AKHU, FMFB, KASHF, KB, NRSP-B, TMFB. Data has been collected through face to face structured interviewing using a questionnaire. Independent Sample T-Test, Logit and Multiple regression have been used for analysis. The main findings of the study are that microfinance alleviates poverty as the net difference of 23 percent between both groups with respect to category ‘non-poor’ can be attributed to participation in microfinance programmes, however it does not reach the poorest of the poor, as microfinance providers mostly targeted the moderate poor. The results show that participation to microfinance programme has negative effect on poverty status of borrowers, and substantial positive effect on income, food security, housing, household assets, household saving and decision making empowerment of borrowers. However its effect on education of children, household health, productive assets and employment presents a mix picture. Because microfinance has been found to have a strong positive impact on some indictors of these variables while very minute positive impact or even no impact on some other indicators. Female mature clients have been found poorer than male ones. However they have been found more conscious about quality of housing, education of children and household health as compared to male clients. Only 14 percent of female clients take the decision themselves about use of microloan. It has been found that economic wellbeing and economic empowerment of borrowers after availing microfinance is positively affected by consumer protection, education of borrowers, experience, business training, number of employed persons, length of membership, relation to household head, area and family reaction to business activity but negatively by diversion of loan, interest rate, age of the borrowers and number of dependents. It also has been found that gender does not matter in determining the role of microfinance in alleviating poverty and enhancing economic empowerment; however microfinance modelling matters in this connection.