Showing posts with label Education. Show all posts
Showing posts with label Education. Show all posts

Saturday 14 December 2013

Major Problems In Pakistan || 10 Major Problems In Pakistan || Major Problems In Pakistan Economy || Major Problems of Pakistan || Major Problems In Pakistan Essay || Problems of Pakistan & their solution || || Social Economic Problems Of Pakistan

Major Problems In Pakistan || 10 Major Problems In Pakistan || Major Problems In Pakistan Economy || Major Problems of Pakistan || Major Problems In Pakistan Essay || Problems of Pakistan & their solution ||  Social Economic Problems Of Pakistan

Pakistan is small but important country of the world which has huge role in the political world. But on the other side, Pakistan is facing lot problems in these days through which it has become one of the world’s worst countries of the world. Why is that? Last 60 years from its dependence, this country lived in different ruling systems, Dictatorship and Democratic System. Discontinuity of these ruling systems made confuse people of this country that are still confused to decide that which system suits their country. Every ruling time disappointed the public due to which Pakistanis are suffering and also unable to solve these crises.

Terrorism:

Terrorism is the major problem that is facing Pakistan which is root cause all problems. It has become more destructive than previous years. Due to this, foreign investment is stopped in the country. Anarchy is everywhere, nobody is certain about the situation that what is exactly going on in Pakistan? Are we fighting against terrorism or we are just seeing the events? Karachi, Lahore, Peshawar, Quetta and all parts of the country are at top hit list of terrorists and they are doing well with their barbarianism. Today or tomorrow Pakistan will have to eliminate terrorism from country Otherwise it would become another Somalia on the map of the world.

Poverty:

Poverty is also the 2nd organizations, about more than 60% population of Pakistan is under line of poverty. Even they are facing lot of difficulties for daily food. Every govt that ruled Pakistan was failed to facilitate these poor people but they facilitated to rich men to increase their wealth which is present in foreign banks. All these poor people of Pakistan are still seeing towards govt but Govt. is really busy in their political affairs and foreign tours.

Energy Crisis:

Energy Crisis is also another major issue of the country. Today Pakistan is facing all type of energy crises like electricity shortage, gas shortage etc. All these crises have made hell of people lives. So, Pakistani Govt. should also resolve this issue on priority basis.

Economy:

Pakistan’s economy is in worst condition ever in its history. Today it is declining fast and bank reserves have decreased up to just 5 Billion Dollars from 14 billion dollars which is really small amount. Many economic analysts say that if Pakistan won’t stable its economy then there will be very deadly consequences. but also major problem of Pakistan. According to recent survey of many


 Problems of Pakistan & their solution

    Islamic Republic of Pakistan, a country of 170 million people, full of natural resources and more than 60 years of independence but still not respected in the world community. In less than 30 years of independence, it’s one wing gets separated (Bangladesh). Remaining part till today is living on IMF, World Bank and foreign donations. Majority of the population is living in rural areas without basic necessities of life. It is a country where financial gap between rich and poor is widening day by day. From the last 10 years, extremism is increasing. What ever happens in the world it is almost understood even before investigations that it will have a link with Pakistan. Almost every kind of problem exists in Pakistan, including electricity load-shedding, bad economy, less educational facilities, less hospitals, inflation and no pure water in many parts. These problems exist in Pakistan right from its independence which as mentioned above was more than sixty years ago. Thus in these 60 years, why our beloved country is not among developed nations even with so many natural resources? Like China, it got independence after us and is now a super power in the world. Like Japan whose major cities were bombed to ashes and has no natural resources but still today they are world economic power. If one would think about the reasons for the problems which Pakistan is facing today, there are numerous. But above all is one. i.e., politicians. “Do our politicians represent our people”? In a democratic system, the elected people should represent the nation so that nation should have faith on their decision. They should think for the betterment of their people and country. In case of Pakistan, look at our politicians. Majority of them are only interested in securing their seat in national assembly through any means. Many of them have criminal cases on them. And above all, there are people who cheated constitution of Pakistan but still are part of parliament. It looks like the more corrupt you are, the more you will have chances of being a parliamentarian.After looking at these personalities, can one say that Pakistani politicians represents majority of Pakistani nation? Answer is NO. These elected people are from elite class. None of them is from a mediocre or poor family. None of them knows that what the feelings of a father or mother are when their children gets kicked out of the school because of not paying fees. None of them knows that how it feels when you are hungry and do not have money to feed you children. No one of them knows how it feels when parents bring their children on road for SALE because of poverty. None of them knows when a son, daughter, father or mother is dying and family members have no money to bring them to hospital.On the other hand, each and every one of the above mentioned people in the politician list and including many other parliamentarians have millions of rupees. There are many who are in the top 10 list of richest people of Pakistan. So how could they know the problems of a common person? All of them are busy in increasing their own assets.Pakistan can never make progress unless these people OR their family members are ruling. Leaders should represent the people. Look at the example of Hazrat Umar RA. Is our PM or president more capable or honorable than him? Are they ruling like him by providing justice to each and every one? He ruled the whole Muslim ummah but traveled on foot with his servant. Can we expect from the today’s politicians of Pakistan that they will not rest until every child in Pakistan will get education, every common person will get health facilities and every person will have a job? Answer is simple. NO we can not trust them for this.Now question is how we can solve problems of Pakistan. Answer is EDUCATION and JUSTICE. We need to change our educational system. A system which is based on MEMORISING can never give us desired outcomes. We need a system which will give education with understanding, wisdom and ability to think. When we will be able to think beyond our emotional attachments based on our education, only then we can chose good leaders. Education will give us opportunity to think about the betterment of our country by thinking beyond emotional attachment to our politicians, political parties, provinces and personal benefits.Justice is another key thing for any society. A society where leaders know that they can manipulate system according to their own benefits can not survive. That is evident from our own country. Look at the condition, only common people are accountable to law, not our politicians. A parliamentarian resigned because of a fake degree and now he is laughing at our nation and judiciary because no one punished him and he is again in parliament. Similarly, look at our government, Supreme Court asked government to write to Swiss government to open cases against Mr. Zardari and how bluntly government is saying we will not do so. Now suppose that these two charges (corruption cases and fake degree) were being faced by a common person. Don’t you think that person would have been behind the bars? YES. So, we have to make every one accountable to LAW and for that judiciary have to play a vital role. 

Socio-economic Problems Of Pakistan

Problems of Pakistan & their solution
Problems of Pakistan & their solution
 Social Economic Problems Of Pakistan

     People are the essential pillar of any country. It is the fundamental duty and responsibility of the country to fulfil the basic needs of its people. Basic needs of man comprises of shelter, food and clothing. When these needs are not fulfilled they bring about problems termed as socio-economic problems. Pakistan has also been suffering from these problems. The real issue is not the presence of these problems in the society. But the extent to which they are being paid attention and solved. When these problems are not met timely and the grievances of the people are not redressed they turn out to be a menace for the country. They assert a negative impact on society. The society deprived of basic necessities of life is ignorant of its obligations towards the country. This results in deviant behaviour, drug abuse, smuggling, corruption, poverty, illiteracy and many other social evils. The country beset with social crises and problems fails to attract foreign investment. Low investment results in economic breakdown and causes decline in export, low MNCs business, tumbling stock market and inflation.

    Pakistan has been facing a lot social problems since its inception in 1947. In the start there were the problems of lack of funds, rehabilitation of refugees, poor infrastructure and widespread poverty of masses. Quaid-e-Azam tried his best to solve these problems and get the state machinery working. Owing to his sudden death he could not eradicate these problems completely. Unfortunately, leaders after him did not pay considerable attention towards the solution of various problems. Subsequently, the problems have grown with the passage of time and become social evils.

    Pakistan is a developing country and faces all social problems that developing countries face along with political instability that aggravates the problems further. Currently, Pakistan has many challenges to face in the form of social and economic problems.

    Poverty has been one of the biggest problems that Pakistan faces today. It is rightly said that poverty anywhere is a threat to prosperity everywhere. 70 per cent of the population of Pakistan live in villages. According to an analysis, poverty has increased roughly from 30% to 40% during the past decade. It means that 40 per cent of the country’s population is merely earning their livelihood below the poverty line. In such condition people are deprived of their basic necessities of life. Proper education and medication are becoming distant from them. They are forced to think of their survival only.

    Perhaps the greatest loss comes in the field of education. The inadequacy of quality education renders our country incapable of dealing with the challenges of the 21st century. People marred by poverty are unable to afford quality education for their children. In addition, government’s negligence is aggravating the situation further. Despite various steps taken by different governments for the promotion of education, literacy rate lingers at 56% over the decade. Pakistan is spending only a meagre amount of its GDP on this vital sector. Owing to low investment, government run schools are deprived of basic facilities like proper classrooms, water and sanitation facilities, electricity. Private sector is doing a commendable job in this regard. But owing to money making objective of this sector, education has been beyond poor’s reach. The primary completion rate in Pakistan given by UNESCO is 33.8 % in females and 47% in males, which shows that people in the 6th largest country of the world are unable to get the basic education.

    Pakistan is facing the dragon of overpopulation. The growth rate of Pakistan is very high and is among the highest in the world. Since 1947, the population has become more than triple. Pakistan is almost touching 180 million mark. Population expansion has been a real issue of concern for all governments. With limited resources it is very difficult to cater to the needs of growing population. There is a great economic disparity among the people. Poor are committing suicides out of hunger while rich are busy in amassing more and more wealth. These social problems directly affect the masses. The massively increasing population has almost outstripped the resources in production, facilities and in job opportunities.

    Pakistan is poorly faced with the problem of unemployment. The existing unemployment rate is 15%. Pakistan is confronting cyclical, technical, structural and seasonal unemployment. It is always considered to be killing for an economy. The most horrible part is that it is rising every year which in long term will demonstrate to be hazardous for the economy of Pakistan. It has negative impact on society. It creates frustration and revengeful attitude. It leads to an increase in the incidences of crimes.

    Owing to poverty and unemployment, parents instead of sending their children to schools, prefer child labour for them. They make them do so to support their family and use them as earning hands from the early age. The Human Rights Commission of Pakistan estimated in 2005 that there would be 10 to 12 million child workers in Pakistan by 2010-11.But according to an All-Pakistan Labour Force survey, this number has doubled to about 21 million child workers. It shows the gravity of the situation. The main reason is poverty, while the low literacy rate has also contributed to the problem to a large extent. Child labour is a sort of deluge that is draining away our precious talent to be utilized in right place. Child labour pushes them into a bad company and immoral activities such as use of drugs, crime.

    Corruption is another huge social problem. Transparency International (TI) has ranked Pakistan 34th most corrupt nation in the world. The menace of corruption has links to a multitude of vices. Its roots are linked to injustice, mistrust, suspicion, extremism and terrorist activities. It creates a sense of insecurity, exacerbates poverty and adds to the misfortune of the vulnerable segments of the society. It also instils a sense of hopelessness and despondency and threatens the strength of good values which have been established over centuries of civilized struggle.

    Rising poverty in Pakistan necessitates that 10 per cent of the Gross Domestic Product (GDP) be spent on social sector including education, health, safe drinking water, sanitation and basic infrastructure to achieve Millennium Development Goals (MDGs) by 2015. At present, Pakistan spends only three per cent of its GDP on health and education whereas India allocates nine per cent for these sectors. Such a meagre amount which is already insufficient to cater to the needs is further misappropriated. There are less hospitals and medical centres. If there are any, the people are unable to afford their and their children’s health expenses. So the health problems grow unchecked. It is very depressing that basic health facilities are not available to the half of the population.

    We have seen phenomenal changes in the world. But the status and fate of women has not changed much in Pakistan. In Pakistan their situation has become worse. It comes as no surprise that we were recently rated as one of the worst countries in the world when it comes to the way we treat women. More than 60 years after independence, 80% of Pakistan women are still subject to domestic violence. One in three has to endure villainy like rape, honour killing, immolation and acid attacks.

    Pakistanis have suffered for decades because their human rights have not been protected in the communities as well the courts. Whether they are women or children, Ahmedis or Christians, Shiites or atheists, the rights of minorities are always threatened. Pakistan still struggles between the secular British and religious Arabic laws and traditions. The violation of human right can easily be attributed to the absence of timely justice to the masses.

    Justice delayed is justice denied. Dispensation of timely justice is the core essence of a welfare society. It is the duty of the state to promote justice. But in the case of Pakistan it has always been a day dream for the poor masses. Since the independence judiciary has been captive at the hands of establishment. Weak judiciary has been unable to redress the grievances of the masses. Under such conditions people resort to violent actions and resolve their issues by extreme methods.

    Religious differences such as Shia vs. Sunni are further adding fuel to the fire. Religious extremism that took its roots in Pakistan after the Islamic Revolution in Iran in 1979 is proving venomous for Pakistan. This religious extremism took a new shape of terrorism after 9/11. After the incident of 9/11 suicide bombing in Pakistan has become a norm of the day. Target killing is another menace which is claiming hundreds of innocent lives daily.

    Owing to poor governance, the government is losing control over law and order situation. When individuals put themselves ahead of institutions, they set a bad example. Suicide attacks, target killing, robbery and other crimes have become norm of the day. And government seems helpless in this regard.

    Social problems are interlinked with economic problems. Economic prosperity serves as a backbone for the overall progress of a nation. One thing is common in all developed nations- they are economically sound. When citizens of a country are freed from the worries of earning a livelihood to sustain their lives, they divert their attention to more useful things. They focus on education, improvise healthcare, develop technologies that make life easy and much more. Poor economic condition is the root cause of so many problems that exist in a society. Unfortunately, Pakistan’s economic conditions are pathetic. As if power crises, lack of foreign investment for the development of industrial zones, backward and out-dated technology were not enough, Pakistan’s indulgence in war on terrorism served as a fatal blow to the already crumbling economic state.

    Terrorism has emerged as a monster for the world in general and for Pakistan in particular. Pakistan’s involvement in War on Terror has proved a nightmare. The image of Pakistan as a peace loving country has been tarnished. Thousands of Pakistanis have lost their lives while millions have lost everything they had and are forced to migrate to relatively safer places. This war has destroyed our economy beyond imagination. Terrorism is very closely linked to the declining economic conditions and high rate of illiteracy prevailing in our country. The poor and illiterate become easy prey to the masterminds who can train and use them in whatever they want. Pakistan’s economy has suffered on two accounts: first large amount of money is being used on WoT, and second because we have lost many foreign investors and markets.

    Energy crisis has further crippled the already tumbling economy. It has almost jammed the industrial wheel of the country. Owing to frequent outages many industrial units have been closed. Closure of industries has caused a severe blow to economy. Energy starved economy fails to attract foreign investment badly.

    Poor economic condition of the country has not only kept the foreign investors away but the local as well. When the conditions for industrial sector are not healthy in the country, the inflow of foreign money to the country is checked causing decline in foreign reserves. Decline in foreign reserves compel the country to seek loans from the other countries. Owing to fragile economy, FDI is shrinking on account of terrorism and political instability. Another major problem is Pakistan’s huge debt and its continued dependence on financial aid.
    Moreover, tax system in Pakistan is also inefficient and unsatisfactory. Ratio of direct taxes is more than indirect taxes. Tax evasion is common. The rich are reluctant to pay tax, while the poor are paying tax even on the purchase of a match box.

    With unhealthy conditions and decline in foreign reserves, the country is destined to face low export and high import. It is also the case with our industrial sector. Due to inconsistent supply of electricity to industrial sector, our industry fails to give required output. Not to speak of surplus production, our industries are not able to meet the national requirement. The production of goods in lesser quantities has affected export from our industrial sector. This makes our country to import goods, in order to meet the needs of the masses causing inflation.
    Inflation provides an important insight on the state of the economy and policies that govern it. Stable inflation not only provides impetus for economic growth, but also helps uplift vulnerable strata of society. Pakistan, in recent years has been in the grip of high inflation, which amongst other things has adversely affected the economic health of the country. The overall Consumer Price Index (CPI), a key indicator of inflation, has swelled by 76% in the last four years, eroding the purchasing power of the people as the overall economy has not performed in line with ever-increasing prices.

    Moreover, local people of war-ridden areas are migrating to other areas of Pakistan. Country has seen the largest migration since independence in 1947. These people have left their homes, businesses, possessions and property back home. This large influx of people and their rehabilitation is an economic burden for Pakistan. Unemployment is already prevalent and now the question of providing employment to these migrants has also become a serious concern. This portion of population is contributing nothing worthwhile to the national income yet they have to be benefited from it. This unproductive lot of people is a growing economic problem of Pakistan.
    Last but not least, lack of tourism is also a cause of the declining in economy. Northern areas of Pakistan have been a place of great tourist attraction. The beautiful hills, the lush green valleys, shimmering lakes and flowing waterfalls brought many a tourist from all over the world to Pakistan. This contributed to foreign exchange. Tourism Industry was one of the booming industries of Pakistan. Besides attracting foreign exchange, it also provided employment to local people. Also, tourist industry was a source of friendly relations with other countries. Nevertheless, war on terrorism has served as a serious blow to the tourism industry of Pakistan. Local as well as foreign media has projected Pakistan as a dangerous and unsafe country. Its poor law and order situation has alarmed the tourist and thus Northern areas no more receive many tourists.

    For Pakistanis to make sure that Pakistan not only survives but also grows and thrives and joins the modern world by becoming a progressive and democratic state, they need to take following steps:

    • The gap between the rich and the poor must be decreased by ensuring equal distribution of wealth.
    • Dispensation of free and quick justice be ensured by strengthening judiciary.
    • There is a sheer need to curb corruption at all levels. The institutions of NAB and FIA should be made more powerful to curb corruption
    • The curriculum of schools need be reviewed so that children can receive scientific and secular education in their mother tongue. In addition, there is need to develop critical and creative thinking.
    • Health care education and free health care needs be provided to all citizens.
    • Provision of equal rights to all citizens especially women and minorities be ensured.
    • Poverty alleviation programmes be initiated to reduce poverty and child labour.
    • Population growth be controlled by spreading awareness about the advantages of small families among the masses through media.
    • Energy crisis must be resolved on priority basis to revitalize the dying economy.
    • New dams should be built and new methods of producing electricity should be utilized.
    • Youth be equipped with technical education and new industries be set up to provide employment.

    There are so many problems in Pakistan. There is only one thing that can help Pakistan in solving all the problems that is the self-improvement of each and every Pakistani. All of us should be patriotic, honest, and hardworking. Everyone should respect the laws of country and obey the laws. Only then we can change our Pakistan's condition. There is a famous saying "God does not change the condition of any country until the people of the country do not improve their selves. “It is true in the case of Pakistan.

Problems of Pakistan & their solution

Friday 13 December 2013

Prime Minister Youth Training Scheme Jobs || Prime Minister Youth Training Scheme || Prime Minister Youth Training Programme Jobs || PM Youth Training Programme Jobs

Prime Minister Youth Training Scheme Jobs || Prime Minister Youth Training Scheme || Prime Minister Youth Training Programme Jobs || PM Youth Training Programme Jobs

How To Apply For Prime Minister Loan Scheme 2013 || How To Apply For Prime Minister Loan Scheme Pakistan || Apply For Prime Minister Loan Scheme

How To Apply For Prime Minister Loan Scheme 2013 || How To Apply For Prime Minister Loan Scheme Pakistan || Apply For Prime Minister Loan Scheme
 
Prime Minister Youth Loan Scheme Application Form Download




Wednesday 11 December 2013

UBL Omni ATM Cards || UBL Omni Introduces ATM Cards

 UBL Omni ATM Cards || UBL Omni Introduces ATM Cards 

Cash withdrawals, till now, for mobile accounts were possible through retailers only. UBL Omni has taken the mobile banking services to next level by introducing “No Name ATM cards” for its Omni Account holders.
These No Name ATM cards are currently available for Level Zero accounts. UBL has said that the idea of launching this card is to bring maximum facility for Omni Account Holders.
With No Name ATM Visa Debit cards, Omni account holders will be able to withdraw cash from ATMs, pay bills at ATMs, transfer funds, Payments to Merchants through ATM Machine, 1-Link, POS Machines.
In other words, customers can now enjoy the luxury of regular bank account with their mobile Omni accounts.
Internet shopping is currently not available with Omni ATM cards.


With introduction of ATM cards for Omni account holders, UBL is aiming to minimize the operational cost involved in manual transactions.

How to Get Omni ATM Cards?

We are told that the process for getting this card is very simple. All you need to do is to go to a Omni Shop, and ask for No Name ATM Card. Retailor will instantly give out a card to you after filling a registration form.

Customers will have to call Omni Helpline (111-825-777) to get the PIN and card activated, just like we do with other debit/credit cards.

Following particulars are required at the time of opening of the account:

    Original CNIC
    Yearly Service Charges: Rs. 150/-
    Mobile Phone/Number

For more details call helpline or visit your nearest Omni Shop.

Easypaisa ATM Cards || Easypaisa Launches ATM Cards || Easypaisa Announces Commercial Launch Of ATM Cards

Easypaisa ATM Cards || Easypaisa Launches ATM Cards || Easypaisa Announces Commercial Launch Of ATM Cards

Easypaisa has officially launched the ATM cards for its mobile account holders
the soft launch of Easypaisa ATM cards earlier this year, Easypaisa has now commercially launched the cards for its mobile account holders.
Easypaisa Mobile Account holders can get their ATM cards from Telenor Service Centres or from Tameer Bank branches.

Card Issuance charges are set at Rs. 200 per ATM card, while transaction charges are Rs. 25 per transaction.
With ATM cards, Easypaisa mobile account holders will no longer be required to visit Easypaisa outlets, instead they will be able to withdraw the cash through any 1-link ATM machines across Pakistan.

Omar Moeen Malik, Head of Strategy for Easypaisa, Telenor Pakistan was quoted as saying that Pakistan is now one of the very few countries in the world, where any person with a CNIC can open a free bank account on his Mobile Phone in under two minutes, pick up an ATM card and link it to his account easily.

Mobile financial service providers are seeing strong growth in their person-to-person transactions, which do not require permanent mobile accounts.

Number of mobile account holders in the country, on the other hands, is not very impressive. However, services such as ATM cards may give required incentive to masses to ultimately have mobile accounts. More services such as netbanking and mobile apps to manage mobile account can further boost the usage.

It maybe recalled that UBL Omni already offers ATM cards to its customers. Other mobile financial services are also planning to launch ATM cards and mobile apps for their customers to manage their mobile accounts.

 
According To The Nation Newspaper 
Easypaisa ATM cards are highly secure and also extremely convenient for Easypaisa Mobile Account customers who are no longer required to visit an Easypaisa shop to withdraw cash every time from their Mobile Accounts. Easypaisa ATM cards work on all ATMs in the country and can be used to withdraw cash from the Mobile Account directly, at a much lower cost.
Commenting on the commercial launch, Omar Moeen Malik, Head of Strategy for Easypaisa, Telenor Pakistan said, “Pakistan is now one of the very few countries in the world, where any person with a CNIC can open a free bank account on his Mobile Phone in under two minutes, pick up an ATM card and link it to his account easily. Easypaisa is proud to be part of this innovation and link the existing ATM network in Pakistan to Branchless Banking. Easypaisa will continue to provide a wide range of financial services through its operations in the country, to ensure customers access fast, affordable and convenient services wherever they are.”
Mobile Account customers can pick up their ATM cards from their nearest Telenor Service Center or Tameer Microfinance Bank branch. There is no paperwork required and customers can have the ATM card linked to their Mobile Account instantly by paying a one-time ATM issuance charge of Rs 200 only.
The cash withdrawal fee is Rs 25 per transaction which includes all 1-link fees and taxes. Additionally, every ATM card withdrawal will have a free SMS message sent to the customer’s mobile phone. If a customer loses his ATM Card, he needs to simply pick up a new ATM Card and have it linked to his account again. The ATM card offering guarantees Easypaisa Mobile Account customers 24-hours/ 7 days a week cash accessibility from their nearest ATM location.

Sunday 8 December 2013

Orat Ki Kamzori In Urdu

                           Orat Ki Kamzori In Urdu

Importance of Gold In Women's Life

Gold is shiny, elegant and too much expensive metal. It is use everyday in life. It is use for marriage. Gold occupies a special place in human mind. Gold has use to symbolize power and purity of beauty. Gold as a jewellery is tradition. In this page you will read a article woman’s weakness gold ( gold aurat ki kamzori) in Urdu and Roman Hindi.

Gold Aurat Ki Kamzori


Sona Mehnga Hone Ke Baad Bhi No.1


Aurat ki kamzori kya hai? ye to sab hi jante hain ke gold aurat ki kamzori hai. Gold aurat ki kamzori apni jagah, magar yeh haqiqat hai ke gold rates barabar barh rahi hai aur aalmi satah par is ki qeemat mein record izafa ho chuka hai. Agarcha qeematon mein izafa hamare haan aam baat hai.
Haqiqat yeh hai ke rasm-o-riwaj aur numaiysh-o-namood ke shikanje mein jakrhe huye zindagi ke tamam shobon se talluq rakhne wali khuwateen shadi biyah ke mawaqey par apni bisat se barh kar gold ke zewraat khareedne aur is ki zebaiysh ke sath sath apni shan-o-shaukat aur imarat ki dhaak bithana chahti hain. Namood-o-numaiysh ka yeh izhaar sirf gold ke zewraat tak mehdood nahi hota, bal ke jehaz se lekar anwaa-o-iqsaam ke khano, aatish bazi, lighting, movie tak ja pohanchta hai. Jis se safed posh khandanon ki mushkilaat mein izafa hota hai.

Chand roz qabal hum ne Hydri Market mein aik shop par do tabqey ki khuwateen ko dekha, jo aik 20, 22 sala larhki ko mukhtalif qisam ke zewraat pehna kar aaiynon mein mukhtalif zawiyon se jaiyza le rahin thi. Yaqeenan shadi ke liye zewraat pasand kiye ja rahe the aur larhki ke chehre aur pasand ke mutabiq zewraat ka intekhab kiya ja raha tha. Aik khatoon jawan ke sath thin magar bazahir bezaar nazar aa rahin thi. Main ne unhe mukhtib kiya to wo be dili se muskura di aur boli main to larhki ki Maa ke sath aai hoon. Jo meri cousin hai aur us ki beti ki chand din bad shadi hone wali hai. Main in ke sath design pasand karne aai hoon.

Gold ki qeematen to aasmaan se baten kar rahi hain aur mujhe sun sun kar tension ho rahi hai. Larki ke walid Saudi Arabia mein hain, khoob paisa bhijwa rahi hain. Magar hum dono Miyan Biwi yahan mulazmat karne ke bawajood apni Betiyon ko zewraat nahi dila sakte. Sirf aik beti ke liye gold ka ek halka phulka sa set, do choriyan, chain ya tops banwaen hain to lakhon rupey kharch ho gaye honge, qadre tawaqquf ke bad khatoon ne phir kaha ke mehngai ke roz afzon izafey ne jahan zindagi ki roz marra zarooriyat ke husool ne mushkilaat ko barha diya hai, wahin ghareeb khandan ke liye beti ki shadi mazeed masla ban gai hai. Taleem dilwa den to jehaz ke liye paise nahi bachte, jis se unki umren nikal jati hain. Is dauran khatoon ki cousin ne unhe mukhatib kiya to wo udhar mutawajjah ho gaye jahan ameer baap ki beti zewraat pasand kar chuki thin aur Maa dukandaar ke sath peycheeda hisab kitab mein in khatoon ko shamil karna chah rahi thi, jin ka zehan apne he masaiyl mein uljha huwa tha.

Gold ke zewraat ki khareedari shadi biyah ki khareedari ka aeham juz tasawwur kiya jata hai aur sirf mutawassit tabqa he nahi ghareeb halqe mein bhi gold ke zewraat ko status symbol samjha jata hai. Bal ke is ke wazan se larki ki qadardani ka bhi andaza kiya jata hai. Waldain bhi jehaz aur dosre lawazmaat ke sath beti ko gold se ziyada se ziyada zewraat dene ki koshish karte hain. Ta ke us ki susral aur aehl-e-duniya ki nazar mein un ki naak unchi rahe, khuwa is ke awaz wo lakhon ke maqrooz he kyun na ho jaen.

Shadi biyah aur is se mutalliqa taqreebat mein sirf dulhan he ke liye zewraat ki aehmiyat nahi hoti hai, bal ke shadi mein shareek har aurat khuwa us ka talluq kisi umar ya kisi tabqe se ho, gold ke zewraat ka istemaal zaroor karti hain iss liye ke gold aurat ki kamzori hai. Bal ke aese mauqey par to aurtain naam-o-namood ke liye bhari zewraat banwati hain aur pehle se banwae gae zewraat ko bhi shadi ki un taqreebat mein badal kar pehanti hain ta ke azeez-o-aqarib par apni dhaak bitha saken.

Aik aam andaze ke mutabiq ammer khandanon mein zewraat bajat 25 se 30 lakh rupey se bhi barh jata hai. Jab ke kam aamdani wale gharanon mein kam az kam 80se 1 lakh ki maliyat ke zewraat khareede jate hain. Aehl-e-ilm ka to yeh kehna hai ke aurat ka asal zewar sharm-o-haya aur taleem hai, magar in zewraat ke sath sath khuwateen ne gold, silver and diamond pearl ke barhe zewraat mein bhi kashish mehsoos ki hai aur haya ki tarha in ko apni shakhsiyat ka aeham hissa samjha hai. Duniya bhar ki auratain herat angez taur par zewraat mein ziyada dilchaspi leti hain, albatta maghrabi khuwateen ke zewraat halke phulke hote hain.

Gold taqreeban har aurat ki kamzori hai, is ki khobsurti aur dilkashi ko nazar andaaz karna mumkin nahi, gold par jab roshni parhti hai to is se ek makhsoos qisam ke sonehri rang ki aankhon ko chundhiya dene wali roshni uthti hai jo khuwateen ke dil mein ja kar utar jati hai aur wo is ke tilesim ki aseer ho jati hain. Pehle zamane mein lig apni beti ya bahu ko ziyada se ziyada gold is liye dete the, ta ke wo aaiynda zindagi mein in ke kaam aa sake, ye husool itna mushkil bhi na tha ke us waqt gold chand sau rupey tola tha, magar aaj ke daur mein jab kitchen ka kharch he bamushkil pora hota ho, to kae hazar rupey tola gold khareedna bohat mushkil hai, magar taajjub hai ke is qadardani ke bawajood bhi hamari khuwateen gold khareedne ke liye sargira’an hain.

Friday 6 December 2013

Download Youth Loan Scheme Application Form

Download Youth Loan Scheme Application Form

            Youth Loan Scheme Application Form

Prime Minister Youth Loan Scheme Application Form Download


Click On the Above Download Button to Download Prime Minister Nawaz Sharif Small Business Loan Scheme Application Forms – PM Youth Schemes
How To Download PM Loan Scheme Application Form
  1. Click in Download Form Above
  2. Form Will be download automatically


 

Prime Minister Students Fee Embursement Scheme

PM Nawaz Sharif Fee Embursement for Poor Students of Masters and Phd Students Scheme Detail – Federal Govt. Prime Minister Nawaz Sharif Fee Embursement Scheme – PM Nawaz Sharif Youth Development Scheme 2013 – PM Nawaz Sharif Scheme for Reimbursement of Fee of Students from Less Development Areas of Pakistan Details
With the aim of encouraging pursuit of higher education, the scheme will provide scholarships for post graduate degrees (MA, MSc or higher level) to students, male and female, belonging to remote and under-privileged areas of the country.
The tuition fee of the program selected by the scholarship holder will be financed under this scheme and paid directly to the relevant university.

Eligibility Criteria
All students, male and female, registered in a Masters/Ph.D program in an HEC approved public sector educational institution are eligible to apply to the scheme.
Geographical Spread
Students domiciled in interior Sindh, Southern Punjab (Divisions of Multan, Bahawalpur and DG Khan), Balochistan, less developed areas of KP (Malakand, Kohistan and DI Khan), GB and FATA are eligible to apply for the scheme.
Average Tuition Fees
The average annual tuition fee to be financed under the scheme is Rs.40,000.
Total Number
A total of 30,000 students will receive scholarships.
Budget Allocation FY 2013-14
An annual budget of Rs.1.2 Billion has been allocated to the scheme for the financial year 2013-2014.
Executing agency
Higher Education Commission (HEC) would be the executing agency for the scheme. The Ministry of Education and Trainings will collaborate and be responsible for its implementation on the ground

Youth Loan Scheme Details

Youth Loan Scheme Details

Prime Minister Youth Loan Scheme Final Details

Brief Description Small business Loans will focus on (but will not be restricted to unemployed youth, especially educated youth looking for establishing or extending business enterprises.
Eligibility criteria All Men/Women holding CNIC, aged between 21 and 45 years with entrepreneurial potential to apply from designated branches mapped with area of residence/business.
Security Requirements One Guarantor
Permissible Collaterals Business hypothecation
Focus on women 50% of loans will go to women borrowers.
Debt-Equity ratio 90:10
The borrowers’ contribution of equity would be in the form of cash or immovable property and will be required after approval of the loan.

Loan Period The maximum tenor of the loan is 8 years, including one year's grace period
Pricing 8% fixed of borrower. Government will pay the difference of the cost of KIBOR + 500 bps.
Number of loans 100,000
Size of Loan Upto Rs 2,000,000 (Twenty Lacs)
Allocation in budget 2013-14 Rs. 5 Billion
Executing agency IIn the first instance, National Bank of Pakistan (NBP) and First Women Bank Limited (FWBL) under the guidance and supervision of State Bank of Pakistan( SBP) to ensure participation of private banks:
a) Private banks will be required to participate in this scheme on the basis of soundness of business proposals; and

b) SBP will encourage private banks to build this portfolio commensurate with their size.

c) SBP will arrange appropriate training for private banks to implement this scheme.

d) NBP will continue to play the lead role

Sectors and Products All sectors. Standardized schemes /projects/undertakings will be designed by SMEDA, projects designed by private sector service providers or individuals themselves will also be admissible.
Role of SMEDA:

a) The 50 feasibilities prepared and uploaded by SMEDA will b extensively publicized and their access to public made easier through multiple linkages with other relevant websites.

b) SMEDA will work closely with Punjab Information Technology Board (PITB) to ensure that the schemes are accessible to those who participate in PITB survey.

Application Form The Form would be both in English and Urdu, and required minimum essential information with simple format.
The processing time will not exceed 15 days and will be so stated clearly in the application form; and

The form would be readily available both in branches and through dedicated websites of the banks.

Non- refundable form processing fee will be Rs. 100 (One Hundred)

Monitoring SBP will publish consolidated information about the loans extended under the scheme for information of the public on quarterly bases on its website;
An effective Complaints Center to process and resolve complaints will be set up;

E-government directorate of Ministry of IT will provide support

Geographical Distribution Whole of Pakistan. In case of Baluchistan, at least one branch of NBP will be designated per Division.
All non-designated branches will also provide and receive filled application forms and dispatch them to the nearest branches.




Prime Minister Youth Loan Business Scheme Final Details – PM Youth Loan and Qarz e Hasana Scheme Detail, Application Forms, How to Apply, Application Procudure and Eligibility Criteria – PM Nawaz Sharif Schemes 2013
Guidelines for Prospective Loan Applicants
SMEDA has taken the initiative of developing pre-feasibility studies in fifteen sectors, and as per directions of the Prime Minister, has made them available to new start–up SMEs, through the SMEDA website, for the promotion of an entrepreneurial culture in Pakistan. To date, our website has recorded more than 117,000 downloads of the published pre-feasibility reports.
These prefeasibility studies provide a general understanding of the proposed business, and are structured like a business plan. However, to assist the prospective entrepreneurs / loan applicants, SMEDA will provide a template for business plan preparation and requisite guidelines for the loan applicants, as soon as the loan application forms are made available by the participating banks on their respective websites.
For further details, please contact: NBP, FWBL

Features of PM Youth Business Loan Scheme

Purpose of Scheme:
To provide small business loans in shape of Term loan focus on (but will not restricted to) unemployed youth, especially educated youth looking for establishing or extending business enterprise.
Eligibility Criteria
Females age between 21 to 45 year having ability to start their own business or intend to expand the existing business. Applicant should have some experience of relevant field or holds a business related diploma/certificate pertaining trade of proposed business setup.
Pricing / Markup Rate : 8%
Tenor
Maximum  7  years.  The  tenor  will  depend  upon  the  nature  of  business,  pattern  of  income  and repayment capacity.
Finance Limit
Minimum : 500,000 Rs.
Maximum : 2,000,000 Rs.
Processing Time:
Processing  time will  not exceed 15 working days after  submission of  complete basic documents by the applicant.
Borrower’s Capital : 10% of Loam Amount
Collateral / Security:
From Rs. 500,000/- to Rs 749,999/- will be secured against Hypothecation of stocks/Assets & two personal guarantees of high net/credit worthy individuals including one of government servants minimum in BPS 17.
From Rs. 750,000/= up-to Rs 2,000,000/= will be secured against tangible securities such as Lien on deposit certificates, property mortgage, pledge of gold ornaments, Pledge of stocks.
Repayment of the Loan
Equal monthly installments with grace period of 6 months for principal payment Sector and Products
Sectors and Products
All sectors. Borrowers will be encouraged to obtain standardized schemes/projects/undertakings from SMEDA or any other body but this will not be mandatory for the borrower.
For Prime Minister’s Youth Business Loan Scheme


 

Features of PM Youth Business Loan Scheme

Features of PM Youth Business Loan Scheme

Purpose of Scheme:
To provide small business loans in shape of Term loan focus on (but will not restricted to) unemployed youth, especially educated youth looking for establishing or extending business enterprise.
Eligibility Criteria
Females age between 21 to 45 year having ability to start their own business or intend to expand the existing business. Applicant should have some experience of relevant field or holds a business related diploma/certificate pertaining trade of proposed business setup.
Pricing / Markup Rate : 8%
Tenor
Maximum  7  years.  The  tenor  will  depend  upon  the  nature  of  business,  pattern  of  income  and repayment capacity.
Finance Limit
Minimum : 500,000 Rs.
Maximum : 2,000,000 Rs.
Processing Time:
Processing  time will  not exceed 15 working days after  submission of  complete basic documents by the applicant.
Borrower’s Capital : 10% of Loam Amount
Collateral / Security:
From Rs. 500,000/- to Rs 749,999/- will be secured against Hypothecation of stocks/Assets & two personal guarantees of high net/credit worthy individuals including one of government servants minimum in BPS 17.
From Rs. 750,000/= up-to Rs 2,000,000/= will be secured against tangible securities such as Lien on deposit certificates, property mortgage, pledge of gold ornaments, Pledge of stocks.
Repayment of the Loan
Equal monthly installments with grace period of 6 months for principal payment Sector and Products
Sectors and Products
All sectors. Borrowers will be encouraged to obtain standardized schemes/projects/undertakings from SMEDA or any other body but this will not be mandatory for the borrower.
For Prime Minister’s Youth Business Loan Scheme Support click here
Please contact on below mentioned Contact no. for Prime Minister’s Youth Business Loan Scheme : 03311006767

Prime Minister Qarz E Hasna Scheme

Prime Minister Qarz E Hasna Scheme

Qarz E Hasna Scheme 2013

Youth  Qarz E Hasna Scheme 2013

 
Prime Minister Qarz e Hasana Scheme Detail ( PM Micro Interest Free Loans Scheme Detail) – Prime Minister Nawaz Sharif Youth Schemes 2013

Brief descriptionQarz-e-Hasana (Micro Interest Free Loans) facility aimed at helping the industry raise current access level of 2.5 million people to 5.0 million in next 5 years.
Eligibility criteriaVulnerable rural and urban poor with a poverty score of up to 40
Focus on women50% of loans will go to women borrowers.
Geographical spreadAll Pakistan, preferably limited and un-served areas.
PricingIt is Qarz-e-Hasana (Micro Interest Free Loans) and will not carry any mark-up.
Size and number of loans250,000 loans of Rs.25,000 average
Government Grant 2013-14Rs.3.5 billion.
Executing agencyPPAF through enlisted partner organizations and community organizations having necessary expertise and experience.
Recycling Borrowers will be encouraged to return the loan that will go back to permanent fund available to the community for future lending. Fund will also educate the borrowers to convert from being “takers” to “givers”, so that the fund will continue to grow.

Prime Minister's Qarz-e-Hasana
                      Qarz-e-Hasana

Qarz-e-Hasana or the microfinance loan facility is aimed at helping the industry raise current access level of 2.5 million people to 5.0 million in the next 5 years.

Eligibility criteria:

Vulnerable rural and urban poor with a poverty score of up to 40.

Focus on women:


It is believed that increased economic participation by women can play a significant role in national development. In an attempt to encourage the same, 50% of loans will be given to female borrowers.

In addition, independent economic activity will empower Pakistani women both socially and in terms of finances.

Geographical spread:


The national outreach of the scheme would not be limited in geographic terms. However, preference would be given to limited and un-served areas.

This is aimed at engaging the population of these areas in greater economic activity and strengthening the process of development there.

Pricing:

It is Qarz-e-Hasana or interest free loan. Therefore, no mark-up would be charged.

Size and number of loans:

250,000 loans of an average amount of Rs.25,000 would be disbursed as part of the scheme.



Government Grant 2013-14:

Rs.3.5 billion have been allocated to the scheme by the Federal Government.

Executing agency:

PPAF would be the central executing agency of the scheme. Enlisted partner organizations and community organizations that have necessary expertise and experience will be engaged in the process.

De-centralization in the process of execution implies greater transparency and increased efficiency.

Recycling:

To make the fund sustainable, borrowers will be encouraged to return the loan. The amount returned will be deposited to the permanent fund available to the community and be used for future lending.

In addition, the process will introduce the borrowers to conversion from being âہ“takersâ€Â to âہ“giversâ€Â that implies positive social and financial effects.

Youth Laptop Scheme 2013

                        Youth Laptop Scheme 2013

      Prime Minister Nawaz Sharif Laptop Scheme Detail


Prime Minister Laptop Scheme Detail ( PM Scheme for Provision of Laptops Detail) – Prime Minister Nawaz Sharif Youth Schemes 2013

Brief descriptionAimed at spreading the use of computers amongst the college/university level students.
Eligibility criteriaAll students registered in an HEC approved educational institution. All masters/doctoral students and 50% under-graduate students will get the laptop.
Geographical spreadAll Pakistan.
Cost per laptopRs.40,000 approx.
Total number100,000 students
Budget Allocation FY 2013-14Rs.4.0 billion
Executing agencyHigher Education Commission (HEC)/Ministry of Education and Trainings. To be designed and implemented based on the same pattern and parameters as adopted in the Punjab.
Local manufacturingHEC is negotiating a deal from manufacturers for local assembly of laptop computers, which will become feasible in the face of such high demand from the present scheme as well that from Punjab.

Prime Minister Laptop Scheme  Application Forms & Procdure for How to Apply for PM Laptop Scheme  Will Announce Later 

 

Nawaz Sharif Loan Scheme 2013 For Youth

Nawaz Sharif Loan Scheme 2013 For Youth

                     Nawaz Sharif Loan Scheme 2013 

Punjab Youth Internship Program 2014

                Punjab Youth Internship Program 2014

 

              Punjab Youth Internship Program 2014 (Latest 21 Dec 2013)

Punjab Youth Internship Program 2014 Starts From January 15 at the web portal of Punjab Information Technology Board. Youth Placement Bureau has been established in PITB in this regard.


Particulars Of The Program Are As Follows:

1.Degree:

16 Year Master Degree From hec recognized institutions on 2011 Or Afterwards.


2. Age Limit:

18-30 Years


3. Duration:

3 To 6 Month


4: Reward:

12000


5: Starting Date:

May Start In The Month Of January Or Febuary


Number Of Internees:

20,000 To 30,000


6: Where To Apply Online:

http://youth.punjab.gov.pk/

Wednesday 4 December 2013

Free Computer Courses

                                                        Free Computer Courses


                                       CLICK HERE TO DOWNLOAD

Friday 8 March 2013

CNIC Last Digit Means

**CNIC (Computerized National Identity Card) Last Digit Reality**

Agar Ap K CNIC No. Ka Last Digit ODD Number Ho Ga,
To Ap Male Hon Ge.
Or
Agar Ap K CNIC No. Ka Last Digit EVEN Number Ho Ga,
To Ap Female Hon Gi.

ODD Numbers (1,3,5,7,9)
EVEN Numbers (0,2,4,6,8)

Egg boiling without water


National animal of Pakistan

                             National animal of Pakistan
Kya ap jante hain kai Pakistan ka Qomi janwar konsa hai?
Markhor



Markhor aam tor pe northern Pakistan mein paya jata hai,
Information About Markhor:-
The markhor (Capra falconeri) is a large species of wild goat that is found in northeastern Afghanistan, Pakistan (Gilgit-Baltistan, northern and central Pakistan), some parts of Jammu and Kashmir, southern Tajikistan and southern Uzbekistan. The species is classed by the IUCN as Endangered, as there are fewer than 2,500 mature individuals and the numbers have continued to decline by an estimated 20% over two generations.

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