میرا ملک پاکستان
نحمدہ ونصلی علی رسولہ الکریم امّا بعد فاعوذ بااللہ من الشیطن الرجیم
بسم اللہ الرحمن الرحیم
معزز اسا تذہ کرام اور میرے ہم مکتب ساتھیو!
آج مجھے جس موضوع پر اظہار خیال کرنا ہے وہ ہے:’’میرا ملک پاکستان‘‘
صدرِذی وقار!
جہاں تک میرے ملک کا تعلق ہے تو یہ مجھے جان سے بھی زیادہ عزیز ہے، اس کے کھیت وکھلیان عزیز ہیں، اس کے کوہ ودمن عزیز ہیں، اس کے گلستان و چمن عزیز ہیں ، میرا ملک پاکستان ایک ایسی سرزمین ہے کہ جس پر جملہ عالم اسلام ناز کرتا ہے۔ جس کا وجود ہرمسلم کے لیے ناگزیر ہے۔ جس کی بقاء وسا لمیت پرکلمہ گو کا مقصد حیات ہے۔
محترم سامعین !
پاکستان کا قیام ایک نعمت غیر مترقبہ ہے، ہم نے یہ آسانی سے حاصل نہیں کیا، اس میں لاکھوں شہیدوں کا لہو شامل ہے، اس شجر ثمر دار کی بنیادوں میں کئی یتیموں کی یتیمی بھی شامل ہے۔ کئی بیواؤں کے اشکبار آنسوشامل ہیں ، کئی نئی نویلی دلہنوں کی شبہائے عروس شامل ہیں۔ کئی نوجوانوں کی اُٹھتی ہوئی جوانیاں شامل ہیں۔
محترم صدر!
پاکستان ہم نے اس لیے حاصل کیا تھا کہ ہم اپنی عبادت آزادانہ کریں گے، ہم آزادی کی نعمت سے مالا مال ہوں گے۔ ہمیں رکوع وسجود میں آزادی ہوگی ، ہمیںصدقہ و خیرات کرنے میں آزادی ہوگی ہمیں تعلیم کے حصول میں آزادی ہوگی، ہمیں خدمت خلق میں آزادی ہوگی ،ہمیں تبلیغ دین میں آزادی ہوگی، ہمیں تفہیم قرآن میں آزادی ہوگی، ہم جملہ امورِ حیات سرانجام دینے میں آزاد ہوں گے۔
صدرِ ذی وقار!
ہم قائد اعظم محمدعلی جناح اور سلف صالحین کی کوششوں سے آزاد تو ہو گئے لیکن ہم نے آزادی کا مطلب غلط سمجھ لیا، ہم مادر پدر آزاد ہو گئے ، ہم اقرباء پروری...
Imam Khattabi is considered as a glorious scholar of the fourth century. He has written several books in various scholarly traditions. One of them an important book is "Ghareeb ul Hadith". In this, he has not only interpreted the difficult words but also referred to as Ayaat, Ahadith and verses etc. Then, he also described the jurisprudential commandments existed in these Ayaat and Ahadith. Furthermore, in many places, hadith terms, legal maxims and wisdom of law are also part of this book. This book also holds a significant correlation with knowledge of Imam Khattabi's teachers because he mentioned the ahadith and sayings of scholars with his own chain. Due to these qualities of this book, not only did the scholars of language use it, but also magnificent mohaddiseen, jurists, explainers and researchers have also quoted it in their own books. Of course, it will not be unwise to say that like previous scholars and mohaddiseen this book is also important and need for today's scholars.
Banks plays vital role in capitalist economy. During the period of financial turmoil, it has been viewed that
banks lost a huge capital due to non-recovery of loans from customers. Since there are two type of banks
working in Pakistan therefore this thesis analyse which banks performance was better during the financial
crunch. The objective of this thesis is to determine the factor affecting the profitability of Islamic and
Conventional banks in Pakistan during the period 2008 — 2012.
Data was collected through financial books of seventeen conventional and five Islamic banks. Two dependent
variables i.e. Return on Asset and Return on Equity were used to determine the profitability of Islamic and
conventional banks in Pakistan. Whereas Liquidity, Credit Risk, Capitalization, Efficiency, Bank Size, Economic
Performance, Inflation and a dummy variable were used as Independent variables. Panel Data analysis is used
to find out the result of secondary data. Initially the analysis was conducted on whole industry, which then
applied on Islamic and Conventional banks separately.
The results shows mixed trend for whole industry as well as separately. Liquidity is insignificant in the industry
whereas the same result was obtained in separate analysis of Islamic and Conventional banks. Credit risk is
significant and negatively correlated for whole industry as well as for separate banking segment i.e. Islamic and
Conventional. Capitalization is significant in industry with ROE but showing a direct relationship. Same result
is shown in Islamic and Conventional Banking Industry. However, it is also significant with ROA in Conventional
banks showing an inverse relation. Efficiency is positively correlated and significant with ROA and ROE in
industry and Islamic banks, whereas it is insignificant with ROE in conventional banks. Bank size shows same
result for all analysis i.e. positive correlation and significance.
The results of inflation and GDP are significant for conventional banks but having an inverse relation. Whereas
GDP showing insignificant results in Islamic banks. While inflation is, significant but positively correlated with
ROA. The results depicts that certain factor plays different role while determining the profitability of banks
during certain conditions and type of banks. A same factor may be beneficial for conventional banks in certain
time period whereas the same may be impacting negatively due to change of circumstances.