Islamic Banking

Banking system is one of the wonders human revolution has brought along. It does not any more leave the need of locks and heavy weight obstacles with the treasures at home. The basic purpose of the banking system was to get benefitted from the money people deposited and in return to give the profit to the account holders. This led more and more people heading towards the banks to deposit their funds and get a fixed amount of interest that went on ever increasing every month.
In the beginning, many Islamic countries could not give out the best business to such banking systems as it was prohibited in Islam to receive the money without any effort. This school of thought was very rigid and was presented by a particular sect of religious leaders so; strict believers did not go for the interest receiving very often. However, soon Muslims realized that there must be a system which could ease Muslim society with the banking facility without countering the Islamic laws and regulations. It was thus a banking system named “Islamic Banking” was brought in practice. Let me tell you what the term Islamic banking signify and how it works in differently than other banks.
Before you know about Islamic banking; you must get educated on the term Riba; Riba means the profit that you get without investment. This is known as interest in the common commerce language. Riba is strictly prohibited in Islam. The Holy Book has warned the believers several times to keep away from such trade that brings Riba in. even the persons dealing with such business are declared surely to go to punishment on the day of judgment. These kept Muslim communities not go for saving accounts or the loans with which they have either to pay extra money or to receive extra money.
Islamic banking was aimed at the purpose of facilitating the Muslims to have an ease of taking loans without paying heavy interests. This could have saved Muslims economy from being going against the Islamic laws. The purpose of Islamic banking was to bring the Islamic economic laws in practice which must be done especially in Islamic states where Islam is declared as the state region. This banking introduced a new system where Muslims can enjoy the profit as the shared profit rather than taking it as interest.
It also offers loan offers. In the procedure, one has to give the documentation showing that he is able to pay or return the loans in the specific duration of years or months as dealt. After completing the documentation, the bank issues the requested amount of money take for either to make a purchase of car or to build a home or to run a business. Instead of giving loan to buyer, the bank purchases the item or the product from the seller and resells it to the buyer or the person who has applied for the loan. The person is given the facility to pay in installments. However, late payment brings penalties to the buyer.
Islamic banking works on the principles of sharing loss or sharing profit. Here the bank and the customer share the loss or the profit faced. So, none of the party neither suffers with the complete loss nor enjoys the whole of the profit. The profit or the loss is equally shared by the both parties as it is done in the business by the business partners. This is somehow is considered as per shriah and is opted in many Muslim countries. It has brought a great change and has marked great business in the Muslim states.
Many banks also have a separate department in the system dealing with the Islamic ways of banking. Such departments are termed as Islamic banking department. State bank of Pakistan has the largest Islamic banking department. This department is only concerned with the people who want to take loans through Islamic banking system and are hesitant or not confident for applying their loans through other banking network working in the state. This department receives the applications and considers them as per the bank policy and the rules.
These banking networks have tremendously become popular in the Islamic states but have failed to win the global market in the banking system. Pakistan is making the major part of Islamic banking as here it has won the religious opinion thus people are paving their way through this to take the advantage of easy payable loans to return the money. It helps them to make their job easy as it gives loans people to run their own business on comparatively easy terms which other banks do not. It also helps them to buy a home and gives them option to return the money in the fixed installments.
International and global community does not like the way Islamic banking operates its system. The reason behind is they are not restricted to take or pay interest by their religious sermons. So, they feel it a hassle to opt the way Islamic banking leads. Therefore, they are very comfortable with the international and usual banking systems which provide a lot of interest returns on the fixed deposits made in these banks. Another reason of its unpopularity is perhaps its long time duration payment tenure which makes people bound to the monthly installments and brings unease to them.
Islamic banking is passing through embryonic phases. It is travelling to reach at the established state where it can be successful in winning a secure part of international market as well. Islamic states also need to support this Islamic banking on their lands. The government must play an important role in making this popular in the public first and then to propose its business on the international platform. Islamic states must focus in its growth as they must have their own ways of dealing money issues.
Some people do not consider it a true way of Islamic banking and claim it to be against shriah.

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Attitude Management

Everyone wants to be popular and prestigious among people around him. All the time people try to impress others without good reasons and impose their material thoughts upon them. Most of people perform certain acts just for the sake of being noticed by others and winning their praise all the way. They try to wear different clothes and adopt modern fashions which they think make them look impressive. Apparently they get an abrupt attention but it remains a fake attitude to be admired for a long time.
What is your real worth? It will be revealed by others when you are not present. People remain observing us all the time and we cannot deny this factor yet we are also afraid being witnessed continuously. This feeling keeps us uncomfortable and we are not relaxed or at ease all the time, which is quite natural.
If we want to manage our attitude we should change from within, we have to work on our attitude. We have to behave and take actions according to our inner motives, thinking and ego. One must be strong enough to mould his or her attitude according to situations and tough times.
It is a challenging job to be performed with inner decision and if somebody tries to handle tough situations by maintaining good gestures he or she must be appreciated and recognized within the people or if somebody fails to do so, he or she may become the laughing stock for others.
If somebody behaves in a strong manner with a positive thinking no doubt he or she will earn the respect from the other people and they will start admiring and giving value as a high profile personality. The popularity may come to uplift that person in the eyes of fellow beings. This will be quite satisfying and honorable too.
So it is the attitude which becomes so important rather than adopting the latest fashion and doing certain things which can bring a change in a positive manner. Superficial activities have a very timely and temporary effect rather good and positive attitude really makes you distinguished all the way.

IMPORTANCE OF CORRUPTION

Today corruption is almost world phenomenon. It is in fact, universal problem having existed in all ages. It has clung to mankind like an incurable disease. The true reason for corruption is desire to get rich by any means. In a free and competitive society, investment of capital can yield only reasonable returns in the long run. But corruption or acceptance of bribes promises rapid change in financial conditions. In a society governed by corrupt officials the whole system of moral, ethical and religious values is impaired. The distinction between right and wrong disappears.
The factors that contribute to the prevalence of corruption differ from country to country. Those that are common to most countries including Pakistan are seven. First general economic condition of the country is poor and everyone tries to feather his nest. secondly the rates of remuneration of public functionaries are low and they are tempted to accept bribes. Thirdly the general price level and the standards of living are very high and honest means of earnings fail to achieve it.. Fourthly social conditions and customs demand lavish expenditure of money. Fifthly there exists no strong opinion against corruption it has been accepted as common thing. Sixthly laws confer on the public servants vast powers and discretions. They take undue advantage of that.
To root out corruption, a complete change of the political, social and economic system is necessary. However liberal can reduce corruption. The reason is wealth targets aimed at by corrupt official are very high. The new government has to rely on permanent services for its day to day administration. It is very difficult, though not impossible to solve the difficult social problem of corruption. Lastly the punishment for corruption should be more exemplary.

Play to win Minute Office

Okay, I know we all know the minute to win game ideas. I do not need to shake things like – is a popular game show hosted by Guy Iron NBC. These fighters’ final minutes to win it in under 60 seconds offered activities. If they are successful, a financial reward, and the largest proportion earn here is $ 2, 00,000 / – reward. So, let us to our original topic minute to win, free back office. If you are looking for some fun team building games at work, then look no further. There are a lot of minutes; it’s easy to win games, to the office, play the expensive props or special talent. To extract these minutes easy game ideas fit well within your budget and help you get your original goal of team building in your employees. Let’s take a minute to win it games office procedures in the following paragraphs.
Minutes to win games list
There are many great games you can play as a team building activity for work. If you have a minute to get on a list, you will find there are a lot of games for the office. Not only are these fun-filled games, but all involve the participants in the logic, analytical skills, and to use them physically healthy. What’s more, most of those minutes to win games for him to play in the office of office requires easily accessible. Let’s look at the minutes following instructions it look like Win Games, which helps the structure of competition in an elegant office.
Clipper
A very interesting minutes to win this challenge match, tilted the marketing binder clips on a table so that it resembles a pinball game features. You must place to three binder clips in a row, then two one parallel, so that they form a triangle. Challenge is inclined to run a ping pong ball across the table as to the binder clips country. The participant gets three chances to achieve that feat.
Back Flip
Back flip’s about a number of pins on the back of the hand and then they flip in the air. The object is to provide a safety gear all pencils without falling down.
They are just a few minutes to win, to play games in the office. These games show that all office staff involved competitor egging the task completed in a minute. This helps to provide full health and the environment in the office. You can even see the games link office for further information. This is where I write. Try these minutes in the office win games and it was fun completing the tasks before the deadline of 50 seconds.
Speed ​​Eraser
this is a difficult task if the participant is required to jump from 7 pins in glasses. What is so difficult to vigorous pencil? You need a place in every eraser and turn it lined up in jars. You can look at how to play games of minutes for him to understand better the challenges to win.
Office Fling
 No, not throw an office literally. Official minutes will win this match stretched it with a giant rubber band over the feet of an office chair. Then, to stretch the rubber band start a sheet of folded paper that is placed on a table about 12 meters. You have to play an office on fun games.
Maximums Office
One minute it is easy to win games for the office, which includes a lot of talent. The participant must bounce giant rubber band ball on the ground that it would beat the two stacks of copy paper on the table. The table is about 16 meters provided by the competition.
Tennis Office
Tennis enthusiasts are in the office? The minute the game will pound to win a piece of paper back and forth, end up in a trash can in the game. This is a team activity where players work together to beat crumbled paper with the clipboard.

To avoid this disastrous Christmas sales

The first thing you should have in hand when ever you travel is your passport with the visa. It is necessary to check the expiration date of the passport. Necessary documents and visa issues can be addressed by the embassy. As an example, Saudi Arabia visa before your foot in this country needed. But if you are a citizen of Bahrain, Oman, Qatar, Kuwait and the United Arab Emirates, a visa may be needed at all. For the first time traveler in a country like this, make sure you know every single thing that should be familiar.
In addition, not only solve the amount of deferred travel because they can occur at any time. One must always be prepared for it. A standby torch and an extra battery cell phone could easily, while bidding on a journey. Your travel clothing must stand by the weather. In relation to the safety of your important things a small bag easy when you bring your ID card, passport and money. It is also possible to be placed separately so that they do not all together lose.
Arrange a holiday with your relatives and employees a lot of emotions. However, it is not impossible that this forecast could be a catastrophe if it failed to carefully plan. Taking into account all important aspects can be very confrontational, if you think it over and over again. Just think it is really inappropriate, with a checklist is extremely necessary.

A nation that is Zambia requires each traveler to its first reason for the visit to be identified. Zambia Visa will, together with the required fees is mandatory when you are not a citizen of a Commonwealth country like Bangladesh, Brunei, Cyprus, Maldives and many others that no specific visas.
However, if you want to splurge on holiday in India, again, a visa is not required if you are a citizen of Bhutan and Nepal. Indian visas can be granted by the Embassy by a tourist or business visa, student visa or a transit. As you noted, the visa is the number one state. Every visitor should be aware of all the conditions.
Besides a passport, visa and necessary traditional, should detail things like cash and drugs will be carefully checked. A medical identification is bracelet to be worn on your journey. Prescription drugs and OTC drugs (painkillers, anti-motility and anti-histamine) should not be considered because there is no guarantee you will see a pharmacy in the whole street.

Holiday plans, fun and good times for everyone and certainly not present a problem. Careful preparation is all you need to have a pleasant trip.

(RAFTAR) read and feel think and receive

SELF IMPROVEMENT SECRET
Self discovery is a great achievement which results into stunning performances by the individuals who manage to explore themselves. Once an individual identify various aspects of his being, he does not only try to improve them but also try to maintain a good balance so as to live a happy and successful life.
RAFTAR (Read and Feel Think and Receive) Equanimity elaborates the self improvement secret for a happy, progressive and successful life. Thus the equation of Balance/Equanimity is
The Main Constituents of human beings are
S          -           Spiritual                       i.e        (spirit)
I           -           Intellectual                              (Mind)
E          -           Emotional                                ( Heart)
P          -           Physical                                   (Body)

These four constituents not only grow with time but improve with energy and in order to maintain a successful balance or equanimity human beings need power and skill. Thus these four factors i.e. Skill, Time Energy and Power (STEP) directly influence the four main constituents of human beings
In this article which is a part of Raftar series an endeavor is made to explain in crisp and short way as to how we can create equanimity in our life by pondering upon these four constituents of human beings and relating them with four STEP factors.
It is a known fact that the progress of any aspect is directly related to the time and energy spend upon that aspect. Any one can achieve great power and skills in any field if he spends desired amount of time and energy. Therefore human beings need to gain power and skill in spiritual, Intellectual, emotional and physical aspects of their beings. Any aspect neglected will create an imbalance that will cause failures in other fields.
The importance of having the power and skill can well be estimated from the verse 47, Sura 51 ‘Adh Dahriat’ which says.
“With the power and skill did we construct the firmament for its we who create the vastness of space”
Spiritual
The matters related to spirit, Higher power and soul. The balancing and growth of spiritual aspects are as follows
Spiritual Power: -      Human beings can grow this aspect by practicing gratitude and thanks to    Almighty Allah for all His provisions and blessings.
Spiritual Skills: -        Spiritual well being connectedness and inner satisfaction can only be achieved through regular rituals of faith, prayers and religious practices.
Spiritual Equanimity: -         Thus we can achieve spiritual equanimity by combining both           the power and skill which is
Spiritual Equanimity = Gratitude + Rituals
Intellectual
An aspect of human mind in which a person uses intelligence (thought and reasons) and critical or analytical reasoning. No one can deny the power of mind and the feats which it can perform. Thus the skill with which a person uses his or her mind determines the course of a successful life or otherwise
Intellectual Power: – This power is achieved through knowledge. Human mind or intelligence works best once it knows the truth and regularly updates itself with requisite knowledge of all the things with which one interacts.
Intellectual Skills:-     These skills can only be achieved through continuous and never ending improvement and learning. Mind stops working only once it stops to learn more and new. Japanese have used the word ‘Kazen’ (Continuous improvement) for acquiring this skill.
Intellectual Equanimity :  Knowledge + Continuous Learning
Emotional
These are those aspects which directly relates to ones heart, feeling, moods and emotions. Emotions are a great force multiplier and a great source of energy for all human beings. Their control and use have a pronounced effect on any outcome.
Emotional Power: -   The strength of emotional power lies in love. All the great thinkers writers, poets, intellectuals and even the prophets propagate that love is the only strongest force of our existence. Every thing one wants to be, do or have comes from love.
Emotional Skill:-        The skill is the learned capacity to carry out predetermined results often with the minimum outlay of time, energy or both. Thus the emotional skills can be achieved through humbleness and showing kindness to all. A humble and kind person is the strongest man who generates the great emotional power of love.
Emotional Equanimity: -      Love + Humbleness/Kindness
Physical
An aspect which relates to human body or appearance. This is the only visible aspect which can never be neglected and bears a paramount importance for the overall well being or happiness. The physical power and skill distinguish a person from a normal to a hero, champion or an adorable figure.
Physical Power:-        This can be achieved through good diet and habits. Any human being can be a strongest or a weakest person on this earth by changing or varying his diets and habits. Thus anyone desiring for a physical power should ponder upon these aspects.
Physical Skill:-           These skills can be achieved through proper and regular use of body and its muscles. Repetitive exercises and proper use of body enhances cardio vascular endurance, stamina, strength flexibility, power, speed, coordination, accuracy agility and balance.
Physical Equanimity = Good diet/habits + Regular Exercise
Conclusion: -  As equanimity is a state of being calm, composed and stable, especially under stress.
However this equanimity can not be achieved unless a balance in physical, spiritual and emotional aspects is created along with the intellectual/mind Facet of human being. If we ponder upon these four equations and spend time and energy to gain power and skill on these basic constituents of human being then we can be confident to have a Rafter Equanimity.
Raftar Equanimity:-
Spiritual Equanimity   (Gratitude + Rituals)
Intellectual Equanimity (Knowledge + Continuous learning)
Emotional Equanimity (Love + Humbleness/Kindness)
Physical Equanimity    (Good diet/habits + Regular Exercise)