فتوی اور فتاوی الکاملیہ کا تعارف و اہمیت

From the very beginning Islam has given great importance to discipline. In every facet of life discipline has a role to play. Today when we delve deep in to our lives, we are amazed as to how it has always proved its worth. It has brought the tide of revolution in everyone's mind. Similarly, the element of discipline saves a society from disruption and instability. It infuses in life satisfaction and contentment. Contrarily, indiscipline and mismanagement give birth to dejection and dissatisfaction. Time management plays a vital role in the establishment of discipline in a society. Considering the vast importance of time management in the light of discipline, the following article throws a great deal of light on it in the Islamic perspective.

A Comparative Analysis of Customer Awareness: Islamic Vs. Conventional Banking Products in Pakistan

Customer awareness plays a pivotal role in developing perceptions about products and Islamic banking products are no exception. This study was aimed at performing a comparative analysis of customer awareness levels about Islamic banking products (IBPs) vs. conventional banking products (CBPs) in Pakistan. A survey was conducted by using a structured questionnaire for this purpose, with close-ended questions adapted from previous studies, using Convenience Sampling method. A total of 285 responses were recorded from walk-in banking customers in both Islamic and Conventional branches in the two cities of Lahore and Sialkot and the data was statistically analyzed in SPSS using paired samples t-Test technique to determine if a statistically significant difference existed in the awareness level towards IBPs and that of CBPs. Overall results show that the awareness level of customers regarding IBPs was lower compared to CBPs. As regards the specific products, awareness level of Musharakah and Ijara was lower than their CBP counterparts, namely Joint Venture and leasing respectively. However, no significant difference was discovered in the awareness level of Mudarabah and Murabaha in comparison to their conventional banking counterparts, namely Passive Partnership and Deferred Payment Sale. The study will be assistive in ascertaining the role of awareness in building a favorable perception about IBPs being Shariah Compliant.