92. Al-Layl/The Night
I/We begin by the Blessed Name of Allah
The Immensely Merciful to all, The Infinitely Compassionate to everyone.
92:01
a. By the night when it covers,
92:02
a. and the daylight when it reveals its brightness.
92:03
a. And the One WHO created the male and the female.
92:04
a. Indeed, your endeavors in this life are diverse.
92:05
a. Consequently, as for the one who:
- gives out in the Cause of Allah, and
- fears Allah’s disobedience, and
92:06
a. affirms what is good/the best outcome of the righteous.
92:07
a. WE shall facilitate his way towards the state of ease- the paradise.
92:08
a. But as for the one who:
- is miserly with what is due to Allah, and
- considers oneself above the need of HIS bounties, and
92:09
a. denies and belies what is beautiful/the best,
92:10
a. for him WE shall facilitate the way towards the state of hardship - distress of Hell.
92:11
a. And his amassing of wealth will not benefit him when he perishes.
Surah 92 * Al-Layl 741
92:12
a. Surely, it is upon US to guide,
92:13
a. and, indeed, to US belong the end of this life and the beginning of the next life.
92:14
a. So I warn you all of a Blazing Fire,
92:15
a. which none will experience it except the most wretched of all people:
92:16
a. the one who would persistently deny and belie...
Fiqh Islami or Islamic Jurisprudence is Muslim sacred law based on primary Islamic sources i. E. Quran and Sunnali and which provides code ofconduct to Muslims in all spheres of life. Manu Dharam Shastra or laws of Manu is one of the standard books of Hindu religious law. This article aims at comparative study of 'lawsuit in Hinduism and Islam' in light ofFiqh Islamic and Manu Dharam Shastra.
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.