تم کو جو ہمیں ملنے کی فرصت نہیں ملتی
لگتا ہے کہ اب ہم سے طبیعت نہیں ملتی
بے چین جو رہتا ہوں تو صد شکر ہے یارو!
درویش کو دنیا میں تو راحت نہیں ملتی
اور ملنا کسی کا بھی ہے دشوار ہی تب تک
جب تک کہ ضرورت سے ضرورت نہیں ملتی
تب تک نہ غمِ ہجر کا کچھ ہو گا مداوا
جب تک کہ ہمیں آپ کی قربت نہیں ملتی
تائب جی تمنائوں کو پڑتا ہے مٹانا
یوں بار گہِ عشق میں عزت نہیں ملتی
A comparison of the Islamic Banking products offered in the two countries of Pakistan and Malaysia has been discussed in this paper. The research paper uses document analysis to identify different products offered by five full-fledged Islamic banks in Malaysia and Pakistan. It is evident from the research that Islamic banking sector in Pakistan is not tapping its full growth potential as in case of Malaysia. It is also concluded that the trade financing and asset financing products offered by Islamic banks in Malaysia are more diverse than the products offered by its counterparts in Pakistan. The paper gives insight to the Shariah complaint board to introduce new products while learning from the experience of other countries. This research does not focus on investigating the reasons behind these differences; however, it initiates a discourse in this direction.
This study was carried out by considering the importance of proper storage and composting of poultry litter (PL) for its nutrient conservation and stability. In the first experiment, five storage methods were compared for their effects on nutrient dynamics and microbial diversity in PL under composting and un- composting conditions. Storage methods included: shed, covered (plastic sheet), open-air, pit, and lined floor. The pile / pit size was 2 m × 2 m × 1 m (L × W × H or D), and the quantity of poultry litter in each one was 500 kg. Composite PL samples were collected after an interval of 15 days until 90 days for the determination of organic C, macro- (N, P and K) and micro-nutrients (Zn, Cu, Fe and Mn) contents and microbial population counts. Data recorded during storage and/or composting were statistically analyzed through three-way ANOVA including time, storage methods and composting conditions as variables. There was significant successive reduction of organic C contents / C:N ratio and improvement in macro- and micro-nutrient concentration in the processed PL with increased storage time both under composting and un-composting conditions. Composting proved statistically superior to un-composting for all the parameters tested. Among the storage methods, PL composted under plastic cover resulted in the highest nutrient contents and the lowest C:N ratio; while shed storage without composting gave the poorest results. Composting under covered storage method gave significantly higher Zn, Cu, Fe and Mn contents (487, 277, 778 and 331 μg g- 1 , respectively) compared to that with other methods. Microbial populations in the PL under various treatments also varied significantly during the study period. The highest count of bacteria (8.36×108) was under composting at 60 days, while PL filled in pits showed the highest number (8.42×108). Actinomycetes population was highest (8.02×106) at 75 days of composting, and pit storage method gave the maximum count (8.85×106). The highest population of fungi (7.06×104) was found at 45 days of composting and in pit storage method (7.83×104). In the second experiment, composted and un-composted poultry litter obtained from Experiment-I were evaluated for their effects on soil fertility and wheat production in the field by employing split plot design with three replications. Composted PL resulted in significantly higher contents of soil organic matter and NPK at crop harvesting stage; further, these components were higher with the PL stored under covered or pit storage method. Wheat grain yield was also greater under composted PL treatments, while PL from pit and lined-floor storage gave statistically higher yield than from other methods. Open-air stockpiling performed the lowest in statistical terms. It is concluded that composting of poultry litter under plastic sheet cover provides the best storage conditions to conserve nutrient elements. Further, composting conditions favor the microbial activities to degrade the organic wastes faster, and their population is further enhanced under moisture-rich condition in the pits. Storage of poultry litter without providing the composting conditions in any of the storage methods delays its decomposition and stabilization. Similarly, the composted poultry litter has better fertilizer value than the un-composted one, as its application improves the soil characteristics and crop yields considerably.