دور جدید میں بینک کے فرائض و وظائف: ایک تحقیقی جائزہ

In our contemporary world the role of bank has increased manifold. Banks whether it be traditional or Islamic play a pivotal role in the economic life of a nation. In fact, modern banks are instrumental in shaping destiny of nations and thus are responsible for the growth and development of societies. Banks perform multiple functions such as safeguard people’s wealth, create jobs, provide capital for new ventures, generate investment opportunities and enhance business environment.  Modern banks are the main source of circulation of money leading to wealth multiplication in the national economy. Parallel to traditional banking there exists Islamic banking system which not only prohibits interest but lays emphasis on cent percent obedience to the laws and injunctions laid down by Islamic principles. Islamic bank forbids money earn through nefarious means and allows only permissible means according to the principles of shariah. The Islamic banking system is based on principles beneficial to the society as well guarantees stability and better prospects for the people of a country. In modern times the role of institutions like banks has grown to such an extent that their existence has become inevitable for socio-economic survival and progress.

Epidemiology of Newcastle Disease Viruses in Poultry and Non-Poultry Avian Species in Azad Jammu Kashmir

The current research work was conducted to examine, the isolation and phylogenetic analysis of Avulavirus-1 (AAvV-1) that affected different avian species, in past this virus is known as Newcastle disease virus (NDV) or Avian paramyxovirus-1 (APMV-1) causing Newcastle disease (ND) in both poultry and non-poultry avian species in Azad Jammu and Kashmir (AJK) during 2017-18. AAvV-1s are distributed worldwide and the global risk of ND and there are some needs of safe and consistent approaches to elucidate its epidemiology. Hence, the aim of this study was to pathotyped and genetically characterized AAvV-1 isolated from diseased and clinically healthy poultry and multiple non-poultry avian species in AJK. Genetic and phylogenetic analysis based on complete fusion gene sequences showed that fifteen AAvV-1 isolates obtained from poultry, ducks and peacock belonged to sub-genotype VIIi. Though, one pigeon-origin AAvV-1 isolates were clustered in sub-genotype VI-g and three in recently designated new sub-genotype VI-m of class II. Interestingly, the AAvV-1 isolates of genotype VI and VII had epidemiological connections with viruses isolated recently from different locations in Pakistan. The pigeon-origin isolates had the following two motifs 112-RRKKRF-117 and 112-RRQRRF-117, while all other isolates possess the polybasic sequence of amino acid 112-RRQKR?F-117 at the cleavage site F, which is an important characteristic of virulent strains. Our findings, together with recent AAvV-1 studies, suggest possible virus interspecies transmission between poultry and non-poultry avian species and the potential for an AAvV-1 epidemic in the future. The viruses are prevalent in AJK, this work highlighted the need for continuous and large-scale surveillance studies to control and eradicate the disease.