شرح خواندگی اور معاشی خوشحالی
پڑھو گے، لکھو گے بنو گے نواب
جو کھیلو گے، کُودو گے، ہو گے خراب
خواندن مصدر ہے اور اس کے معنی ومفہوم پڑھنے کے بارے میں ہے۔ اور معاشی خوشحالی سے مراد یہ ہے کہ انسان معاشی لحاظ سے خوش حال ہو، ان کا اٹھنا بیٹھنا، کھانا پینا، سفروحضر ایک معیاری قسم کا ہو، ان کے رہن سہن، چال ڈھال میں ایک پر مسرّت اور خوشحال انسان کی جھلک نمایاں ہو۔ معاشی طور پر خوشحال انسان ہی اپنے بارے، اپنی اولادکے بارے میں، اپنے خویش و اقارب کے بارے میں، اپنے احباب کے بارے میں مثبت سوچ کا حامل ہوسکتا ہے، اور اس معاشی خوشحالی کے لیے ایک انسان کا رشتہ تعلیم سے استوار ہونا انتہائی ناگزیر ہے۔
تعلیم انسان کو ایک عظیم انسان بناتی ہے، ایک صاحب شعور فرد بناتی ہے ،تعلیم سے روشنی میسر آتی ہے، علم ایک ایسا نور اور روشنی ہے جس سے جہالت کے اندھیرے دور ہوتے ہیں، انسان کے دل و دماغ عرفان وآگہی کے نور سے منور ہوتے ہیں ،علم ہی کی بدولت انسان حق و باطل اور خیر وشر میں فرق کرنا سیکھتا ہے۔ علم ہی کی بدولت انسان کی خوابیدہ صلاحیتیں بیدار ہوتی ہیں اورعلم ہی کی وجہ سے انسان کے رہن سہن اور طرزِ زندگی میں تہذیب وشائستگی پیدا ہوتی ہے۔ اس میں تعصب اور تنگ نظری کی بجائے فراخ دلی اور رواداری ، خودغرضی کی بجائے ایثار، غرور ونخوت کی بجائے عجز و انکسار ، حرص اور لالچ کی بجائے صبر و قناعت ، حسد اور نفرت کی بجائے محبت اور اخوت جیسے اوصاف پیدا ہوتے ہیں۔
تعلیم ہی کے ذریعے مرصعّ انسان ہی معاشی خوشحالی کا ضامن ہوتا ہے، اگر کسان پڑھا لکھا ہوگا تو اس کی کھیتی بھی زیادہ ہوگی ، اس کی فصل میں اضافہ...
Muhammad ibn ‘Umr Al-Wqid is considered to be one of the most famous early Muslim historians. Despite being disputed among the circle of Muhaddithn, he was popular among the early Muslim historians. He got recognition and fame as a historian in the 2nd half of 2nd century of Hijrah. In fact, he was an outstanding historian who introduced new trends in writing and composition of historic narratives. The early Muslim historians cited and quoted Al-Wqid freely where they needed him without any kind of reluctance. It is well to know that western orientalists pay special attention to AlWqid and his book "Al-Maghz ". Perhaps it is not due to their biasness or impartiality, but for the excellent work of Al-Wqid. In this regard, they think that Al-Wqid is more accurate and clear in giving details and judgments about historical events than any other early Muslim historian. Al-Wqid 's dating of historical events is more acute and correct. He owns what he produces and narrates. Moreover, he seems to be sensitive and aware of consequences of what he writes in his book " Al-Maghz ", that is why we see him sometime indulging in some issues extra-ordinarily and proving and disproving what he thinks right or wrong by logical (internal and external) criticism. Al-Wqid explores historical events and tries to know about root causes of their happening and finally analyzes their consequences. These are some special qualities of Al-Wqid 's work in the eyes of western orientalists. In this article, I have tried to highlight these aspects of Al-Wqid 's work from the oriental literature.
The study analyzed the constraints faced by the farmers to rural credit by utilizing two household level data sets. The first survey Pakistan Rural Household Survey (PRHS) 2001 was utilized to study the purpose, source structure and utilization of rural credit and; the second which covered nearly 160 households from Sargodha District 2007 was used to calculate the demand and interest rate function by applying Heckman two stage procedures. The focus of this study was to find out the affect of credit constraints of institutional credit on consumption and production pattern of the rural farm households. After measuring the probability of being constrained used to study affect on consumption pattern of farmers who were credit constraint. The frontier production function was used to study the affect of credit constrained and un-constrained farmers. The analysis revealed that agricultural production loan was found as 45.8 percent. ZTBL was providing most of the loan to the farmers for their agricultural needs. The interest was ranging between 10 to 20 percent in all agro-climatic regions. The logit model was applied to determine the nominal interest rate and borrowing function of the farmers. The results showed that the transitory income, predicted interest rate, and farm size were significant. Credit constraints were determined by using Heckman’s two stage procedure. The results showed that the coefficient of education of male household was significant showing that education function as a facilitator to enter into credit market. The farmers faced many constraints namely: lower literacy rate, small and fragmented holdings, uneven access to agricultural extension and information and in ability to obtain adequate irrigation water, less access to agriculture credit institutions, and inequitable distribution of land and water. The results of the frontier production revealed that credit users and non credit users were allocatively inefficient, especially irrigation water. The mean technical efficiency of credit users was 90 and that of non-credit users was 79 percent, respectively. The high technical efficiency of credit users was attributed to better market access to the farmers to new technology through the availability of agricultural credit. The low level of technical efficiency of non-credit users as compared to credit users implied that potential for improvement exists. The high technical efficiency of credit users was safely attributed to credit availability through which farmers have an access to new technology. With respect to policy implication, the study suggested that development and dissemination of low cost and site-specific production technologies for the farmers. In this regard formation of Credit Assessment Bureaus for the risk assessment of the borrowers as it done in urban areas. Better dissemination of information and technology for improved decision making regarding use of credit.