This dissertation explores three important aspects of Islamic banking and finance (hereafter IBF). First, attitude of key stakeholders: depositors/customers, general masses, religious scholars, Islamic political parties, employees of Islamic banks, officers State Bank of Pakistan and officers Ministry of Finance towards IBF. Secondly, factors responsible for converting IBF into a mass movement by boosting its adoption. Thirdly, some stakeholders are opposing the promulgation of IBF in Pakistan. Chapter 1 highlights the introduction and identifies gap in the area of research for Pakistan. Chapter 2 discusses the historical evolution of IBF in the Muslim World. Islamic concept of wealth accumulation is developed from divine sources of Quran and Sunnah. Chapter 3 focuses on the literature review in a thematic way.Chapter 4 traces out the linkages between IBF: A new paradigm in I.R. The IBF has a lot of scope due to the vast geography it covers and the huge population that is more than 1.6 billion Muslims in OIC. This chapter concludes that IBF is a mean to win friends by cooperation among the Muslim countries and other nations by interfaith dialogue. Chapter 5 discusses the data and methodology. We use online questionnaire to collect primary data of 1008 respondents. Further, our questionnaire is pre-tested before it is uploaded through establishing a website. We use descriptive analysis to explore the most important factors influencing political, economic, religious and social dimensions of IBF. Moreover, we use ordered logistic regressions to estimate the probability of adoption and non- adoption of IBF in Pakistan. In Chapter 6, we perform the descriptive analysis of each stakeholder group. We construct frequency tables, bar charts and histograms to explain our data. Our results show that despite the awareness of IBF, the said stakeholders are opposing the paradigm as it does not offer attractive, cheaper and need compatible products to customers and general masses. The Shari''a consistency of IBF is not supported by the majority of Ulema on the basis of its practices. Moreover, the religious forces of Pakistan are not aware of IBF opportunities such as political alliances, winning more assembly seats, job opportunities, dialogue with other nations, education and research. However, it is found that the religious consensus on IBF is possible by conducting conferences, establishing district boards and constituting dialogues among various sects of Ulema. The employees of Islamic banks, in general, lack in education and long run trainings, hence are unable to execute it properly. The IBF in Pakistan is suffering from the lack of political will and has been used by the successive regimes to achieve their political goals. Further, the bureaucracy opposes the implementation of IBF as they consider it a threat to their vested interests. Chapter 7 focuses on the logistic regression analysis. We conclude that majority of the Ulema demotivate their followers to adopt Islamic banking as they do not consider it truly Shari’a compliant. Similarly, no religious consensuses of ulema coupled with un-addressed social issues by IBF may decrease its adoption domestically and damage the cooperation among the Muslim world.Moreover, lack of political will coupled with opposition by the policy makers is a hurdle for the promulgation of IBF in Pakistan. Lastly, the unclear mechanism of IBF is the main hurdle faced by the employees of Islamic banking in its execution. Chapter 8 covers summary and conclusion along with policy implications.
عمل سے زندگی بنتی ہے جنت بھی جہنم بھی نحمدہ ونصلی علی رسولہ الکریم امّا بعد فاعوذ بااللہ من الشیطن الرجیم بسم اللہ الرحمن الرحیم والعصر ان الانسان لفی خسر . الا الذین امنو وعملو الصلحت ط صدر ِذی وقار اور میرے ہم مکتب ساتھیو! آج مجھے جس موضوع پر لب کشائی کا موقع ملا ہے وہ ہے ڈاکٹر علا مہ محمد اقبال رحمۃ اللہ علیہ کے شعر کا مصرع:’’عمل سے زندگی بنتی ہے جنت بھی جہنم بھی‘‘ جنابِ صدر! اگرچہ پڑھنے میں قاری کو ایک مصرع نظر آتا ہے۔ لیکن اپنے اندر مفا ہیم اور مطالب کا ایک جہان آباد کے ہوئے ہے۔ علامہ اقبال رحمۃ اللہ علیہ قوم کو خواب غفلت سے بیدار کرتے ہوئے فرماتے ہیں کہ عمل کے بغیر تصور زیست ممکن ہی نہیں، زندگی حرکت وعمل کا دوسرا نام ہے۔ اوربے عملی یا جمود کا دوسرا نام موت ہے، عمل سے ہی زندگی کا بگاڑ ہے، اورعمل سے ہی زندگی کا نکھار ہے۔ جام زندگی کے دوام کا راز گردش پیہم میں پوشیدہ ہے۔ بے عملی نہ صرف انسان کو کاہل ، سست اور کمزور بناتی ہے بلکہ بے یقین اور بزدل بھی بناتی ہے، اس کے برعکس عمل انسان کومستعد ،معتمد اور معزز بناتا ہے۔ اقبال کے الفاظ ہیں : چلنے والے نکل گئے ہیں جو ٹھہرے ذرا کچل گئے ہیں کلام پاک میں یہ بات قسم اُٹھا کر بتائی جارہی ہے کہ انسان نقصان میں ہے لیکن جو لوگ ایمان لائے اور نیک کام کرتے ہیں وہ نقصان میں نہیں ۔معلوم ہوا کہ انسان کا انسانیت کی معراج پر فائز ہونابغیر عمل کے ممکن نہیں۔ بقول شاعر:۔ خود عمل تیرا ہے صورت گر تری تقدیر کا شکوہ کرنا ہو تو اپنا کر مقدر کا نہ کر جو انسان صاحب عمل ہوتا ہے وہ اپنے کسی کام...
In its development, madrasas have undergone various changes, namely from the pesantren learning system to the madrasa system; from traditional to classical methods; from halaqah system to benches, desks and blackboards; from traditional to modern curricula; from classical education to modern educational reform. The change indicates the existence of process or efforts of development of madrasah education in the direction of more advanced, qualified and competitive from time to time. Conceptually, one way to improve the quality of education and competitiveness of madrasah in the era of globalization competition is to implement strategic management which includes 4 stages such as environmental analysis, formulating, implementing and evaluating strategic decisions between functions that enable an organization to achieve its goals in the future. Strategic Management is based on the entire scope of the work. Thus it can be utilized well for makronya environment for example in government management and also can be utilized also for in mikronya environment for example in company management or organization or pengeloalan Madrasah. However, it should be understood only here that in the use of macro and micro scope there are a number of fundamental differences such as the following exposures.
The interaction between teachers and students is one of the aspect that helps the students in their career grooming because teachers’ personality and their behavior is responsible for his/her effectiveness in the teaching, and plays an important role in learning process in terms of achievement and success in the classroom as well as in their entire life. From various studies, it has been proven that the personality factors such as extraversion, conscientiousness, openness to experience, neuroticism and agreeableness are the key characteristics of teachers’ personality and behavior. Based on this, the purpose of this study is to investigate the effect of teachers’ personality on students’ academic achievement particularly in mathematics subject. In order to pursue the objectives of the study, researcher used sequential explanatory mixed method approach; both quantitative and qualitative paradigms. Researcher adopted the survey research design for collection of quantitative data. In this way, Big Five Inventory (BFI) is used to identify the teacher’s personality type. This inventory comprised of forty statements about big five personality traits (eight statements about each personality trait). Moreover, the quantitative data is also collected from students’ midterm examination results from the chosen schools. In contrast, qualitative data were collected through in-depth interviews with the students of selected schools. Concerning to the sample, stratified random sampling method was adopted, where, fifty seven (57) schools were randomly selected from public sector and forty five (45) schools were selected from the private sector the participants of the study comprised of 486 public and private sector elementary 6th -8thgrade school teachers in Karachi, Pakistan. Out of them, 278 schools were selected from public sector elementary schools and the rest 208 were selected from private sector elementary schools. In addition, a mathematics score of Effect of Personality Styles of Teacher on Academic Achievement of Students in Mathematics 3224 students from both chosen private and public schools was collected for the research. For the data analysis, the quantitative part is analyzed through statistical analysis in which independent sample t-test, ANOVAs, stepwise multiple regression analysis and Corelation are computed through Factor Analysis to test the hypothesis and make predictions. Besides, qualitative data are analyzed, coded and themes are generated to get the clear picture about the research problem. In result, it is obtained that that the study variables, Extraversion, Conscientiousness, Openness to experience, Neuroticism and Agreeableness, are the significant predictor of student achievement. Since, there is strong and positive correlations are found among the variables, it implies that the teacher personality has a positive and strong association with students’ achievement in Mathematics in Karachi''s public and private schools. Other factors like teachers’ qualification and years of experience in teaching mathematics showed low associated with students’ academic achievement in Mathematics.