اسلم عارف (۱۹۴۲ء۔پ) پسرور کے ایک گاؤں بن باجوہ میں پیدا ہوئے۔(۱۰۰۱) اپنے وقت کے نظم،غزل اور قطعات کے اچھے شاعر ہیں۔ ان کے قطعات میں جدت پائی جاتی ہے۔ چند قطعات ملاحظہ ہوں:
قبر کے پھول
اے حسینہ سنوارلے گیسو
%اشک کب تک بہائے گی
3قبر کے پھول سوکھ جائیں گے
-زندگی لوٹ کر نہ آئے گی
â۱۰۰۲)
آخری انسان
ایک مفلس بندۂ مزدور پر روئے گا کون
زندگی میں بھی اگرچہ بے سرو سامان تھا
مر کے لیکن رہ گیا اس طرح بے گورو کفن
جیسے اس دنیا کا بس یہ آخری انسان تھا
۱۰۰۳)
۱۰۰۱۔رخشہ نسیم،’’سیالکوٹ میں اردو شاعری‘‘(بیسویں صدی کے دوران )ص:۳۲
۱۰۰۲۔ایضاً،ص:۳۳
۱۰۰۳۔ایضاً،ص:۳۴
Islam is a complete system of life to raise all aspects of human life and the guiding thought and action which offers a system according to the changing conditions of human actions that affect. Up until then, it will not be possible to regulate the texts should not be considered deeply profound to contemplate the Holy Quran "jurisprudence" word is used. Islamic Finance in respect of any individual earning a living is not completely confined (like communism) or full independent (like capitalism), but the income in the struggle meant that the economy was bound by the rules the life of the individual and the protection of irregular economic Charities (Rifāhy) also adhere with religious and moral exaltation, is always in the pursuit of individual economic will be tow rule: First, they get the "halal" is. Secondly, the ways they acquire "Tayyab".
Economies of the world encounter financial crises time and again and the main stream researchers are in search of some solution to insulate the economies from crises but no plausible solution has surfaced as yet. The crises majorly erupt through banking channels because of systemic problems in banking. The systemic fault of contemporary banking ignites crises which ultimately transform into financial and economic crises which may not be limited to any specific country or region.This dissertation is aimed to identify the systemic problem in the banking domain and to provide its solution. The study follows positivism as research philosophy and uses mathematical logic as methodology to map the contemporary banking model for uncovering the systemic problem. A formal system has been compiled for the study. The techniques of rewriting with equational reasoning and summations of terms of identified sequences have been used for formalization. The quality of autopoiesis (self-sustainability and self-reproduction of system) has been checked through logic whereas validity and sustainability of the model have been checked against objective criteria. The study shows that there is gap between conventional structure and operational behavior of contemporary banking model which emanates crises. This gap is the seed for crises which dictates the behaviors of banking system. The review of contemporary banking model has revealed that an ex-ante levy (a charge levied before production of goods and services) in the system is one of the main reasons of banking crises. It has also been found that there are certain actors of banking system which have conflicting dual roles. The banks (one actor) bind the firms (other actor) by way of contracts to collect a levy from households (yet another actor) in lieu of providing them loans which do not have logically plausible justifications. There are certain implicit presumptions attached to conventional structure of contemporary banking model which too are problematic. The study presents a new self-sustainable (i.e. autopoietic) banking model which is based on ex-post instead of ex-ante levy. The comparison of autopoietic banking model with contemporary banking model shows that the proposed model will be more responsive to financial distractions and will be helpful in reducing financial crises as there will be lesser chance of mismatch between conventional structure and operational behavior of the system.