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Syed kamal Hayder Kazmi

The future of Islamic banking

  Islamic Banking and Financing has gained a foothold both nationally in Muslim countries and internationally in the financial world. For years, many Islamic banks have registered double-digit growth rates, surpassing their conventional peers. At first glance, all seems well for the Islamic banking industry. There is ample room for growth as Islamic banking rarely exceeds a 3rd of total market share, even in GCC countries and Malaysia. Many potential …

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Banking sector

  Banks perform various roles in the economy. First, they ameliorate the information problems between investors and borrowers by monitoring the latter and ensuring a proper use of the depositors’ funds. Second, they provide intertemporal smoothing of risk that cannot be diversified at a given point in time as well as insurance to depositors against unexpected consumption shocks. Because of the maturity mismatch between their assets and liabilities, however, banks …

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Transportation in Pakistan

  Transportation in Pakistan is extensive and varied but still in its developing stages and serving a population of over 180 million people. Construction of new airports, roads and railway lines has led to an employment boost in the country. Much of Pakistan’s road network and railway network were built before 1947. Presently, roads carry over 96 percent of inland freight and 92 percent of passenger traffic and are undoubtedly …

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Contribution of agriculture in GDP

  Agriculture is a predominant activity in most developing countries. As economic growth and development take place, importance of agriculture tends to decline according to the sources. The declining share of agriculture is, however, a slow phenomenon and is felt only over a relatively long time horizon. In Pakistan, the agriculture sector continues to be an essential component in the economy. It currently contributes 21 per cent to GDP. Agriculture …

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Coal power generation in the world

  Coal is a valuable and plentiful natural global resource. Not only does coal provide electricity, it is also an essential fuel for steel and cement production, and other industrial activities. World coal consumption was about 7.25 billion tones in 2010 and is expected to increase 48 per cent to 9.05 billion tones by 2030. Total world coal production reached a record level of 7,678 million tones (mt) in 2011, …

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SAARC

  The South Asian Association for Regional Cooperation (SAARC) is an organization of South Asian nations, providing for the promotion of economic and social progress, cultural development within the South Asia region and also for friendship and cooperation with other developing countries. It is dedicated to economic, technological, social, and cultural development emphasizing collective self-reliance. SAARC was established on December 8, 1985 and its seven founding members are Sri Lanka, …

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Consumers protection in telecom: A right step taken

  Rights of the telecom clients, particularly the cellular subscribers in Pakistan, have lately been under focus mainly in relation to unverified SIMs and unlawful use of SIMs by other users without the information of the genuine subscriber. However, it has been believed that a lot of telecom clients are still unaware of their rights and the mechanism to defend consumer rights. Protection of consumers’ interest is one of the …

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PEMRA smoothing the process of fair, free media

  In a world influenced through cyber-space and satellite and cyber-space technology, e-media has a very important and vital role to play in shaping the destiny and life of states. The visual media, particularly television, has a stupendous, impact upon moulding human views and minds. In the given situation the e-media has an burdensome accountability in addressing the socio-economic issues of societies and disseminating un-baised knowledge. This accountability can be …

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Agriculture, livestock contributing GDP growth

  In Pakistan, the key objective of agriculture sector is to ensure proper production and availability of food for the citizens and also offers livelihoods to people directly involved in the sector along with the value adding chain. The achievement of sustainable progress in agriculture sector (contributes over 22 percent to GDP) completes macroeconomic objectives by its forward and backward linkages with the other sectors. Pakistan agriculture and food security …

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Advantage & disadvantage of online banking

  Worldwide, governments transfer trillions in cash for salaries, pensions and welfare payments to persons, Pakistan is no exemption. Automating government to Person (G2P) presents tremendous merits. Firstly, the government can save great sums of amount. Secondly, recipients will have advantage from rapid payments with few leakages in the system. Most significantly, a growing body of evidence explains that with suitable delivery replicas, (G2P) payments recipients can be simply brought …

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