ﷺ
میں صحنِ دل کے پت جھڑ کو ، بہارِ جاوداں کر لوں
محبت جانِ عالمؐ کی ، اگر روحِ رواں کر لوں
غم و آلامِ دنیا سے ، ذرا سا بھی جو گبھرائے
تو یادِ مونسِ جاںؐ سے ، میں دل کو شادماں کر لوں
سجائی بزمِ عالم ؛ جنؐ کی خاطر ؛ خالقِ کُل نے
اُنھیؐ کا ذکر کرنے کو ، میں بزمِ دوستاں کر لوں
سمائی نکہتِ بادِ بہاری میں مہک جنؐ کی
اُنھیںؐ سے خوشبوئیں لے کر میں دل کو گلستاں کر لوں
یہی سالک کو لے کر جا رہا ہے منزلِ حق پر
اسی نقشِ قدم کو چوم کر ، منزل نشاں کر لوں
اِدھر کر لوں زبانِ اشک سے عرضِ تمنا بھی
اُدھر چشمِ تصور میں سنہری جالیاں کر لوں
ادب گاہِ عقیدت میں کہاں الفاظ جچتے ہیں
’’طریقہ سب سے بہتر ہے کہ اشکوں کو زباں کر لوں‘‘
دلِ بے تاب کے لمحات اُنؐ کی یاد میں گزریں
جہانِ رنگ و بُو میں کیوں انھیں میں رائیگاں کر لوں
دلِ فرقت زدہ عرفانؔ! اُنؐ کے ذکر سے خوش ہو
میں صبح و شام اُنؐ کے نام کو وردِ زباں کر لوں
Science and technology is on top position contemporary now it is need of our masses to compare these formulas with holy Quran because Quran is miracle and implementable till the day of Judge ment lot of scientists have benefited by Quran and they also agree up on the excellence of Quran. Hence in this research we have to prove dominancy of Quran over on the science and technology the hints of new inventions and discoveries are available in Quran if we study the Quran deeply we will find in it complete agreement with modern science however it was revealed in that time people were not aware from scientific inventions and they have not know-how of it. Comparatively this time is well advanced period and lot of things invented while concept of these things was present in this sky book I have drawn intention of readers on these points. In this research I would discussed that importance of science and technology specially the sub subjects of the modern science math and statistics geology, astronomy, space sciences, Embryology, Genetics and computer technology. It should be remember that the exposition of this book is also two types scientifically and logically because Quran invites us towards intelligence and wisdom. It is responsibility of scholars to interpret the Quran contemporary because this is not merely ancient book but it is for all times and not for Arabs but for guide line of whole humanity of entire universe. It is challenges itself that no any kind of error or mistake in it foes of Islam tried to find faults but they not succeeded to do so resulting they affirmed dignity of it over on all the books.
The aim of this research is to investigate the weaknesses of the banking sector in Pakistan by contributing to the understanding of banking sector fragility. Prior literature suggests that the banking sector fragility is the result of high levels of non-performing loans (NPLs) as well the lack of an efficient banking supervision. Thus, this study investigates why Pakistan falls in the high levels of NPLs countries by examining the banking sector of Pakistan with respect to NPLs and its determinants. To examine the determinants of NPLs, this study uses data at the individual bank level as well as country level. The study investigates NPL as driven by factors such as macroeconomic factors, microeconomic banks specific factors, country level institutional factors and company level institutional factors (corporate governance). The empirical analysis initially focus on the sensitivity of the NPLs to macroeconomic and country level institutional factors in Pakistan. Subsequently, the analysis is extended to micro economic and company level institutional factors (corporate governance). In order to account for time persistence in the structure of NPLs, a linear and dynamic panel approach is used. For this purpose four different estimation methods are used (Pooled OLS, fixed effect, random effect and GMM estimators). The empirical investigation suggests that strong performance in real economy results in a lower ratio of NPLs. Moreover, country level institutional factors suggest a negative and significant effect on NPLs with exception to rule of law. Furthermore, the results indicate that microeconomic factors need to be used as an early warning system regarding banking sector vulnerability. Company level institutional factors are also effective in reducing the NPLs. Specially, the board of directors, transparency, disclosure, and accountability are the main factors in reducing the level of NPLs in Pakistani banks. However, ownership and shareholding shows an insignificant relation because of the concentrated ownership or bulk shareholding by individuals. The study concludes that regulatory authorities should expand their regulatory framework to include both economic and institutional indicators in assessing the stability of the banking sector.