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ڈینگی ایک چیلنج

ڈینگی ایک چیلنج
نحمدہ وَ نُصَلِّیْ علی رسولہ الکریم امّا بعد فاعوذ بااللہ من الشیطن الرجیم
بسم اللہ الرحمن الرحیم
صدرِذی وقار معزز اسا تذہ کرام اور میرے ہم مکتب ساتھیو! آج مجھے جس موضوع پر لب کشائی کی سعادت حاصل کرنی ہے وہ ہے:’’ڈینگی ایک چیلنج،،
جنابِ صدر!
آج کل پورے پاکستان میں جس بیماری نے پاکستانیوں کے اعصاب کو مضمحل کر رکھا ہے وہ ڈینگی ہے اور ڈینگی بخار ہی کی ایک قسم ہے، چھوٹے، بڑے، امیر ،غریب ، کالے، گورے سب اس سے خوفزدہ ہیں ، سب اس سے فرار کا رستہ اختیار کرنے کے متمنی ہیں، اس کے نام سے ہی رونگٹے کھڑے ہوجاتے ہیں۔
صد رِمحترم!
فرمان ِباری تعالیٰ ہے ’’کہ ایّا م لوگوں کے درمیان ایک جیسے نہیں رہتے، بدلتے رہتے ہیں۔ ‘‘ وقت کا دھارا گزر جاتا ہے۔ خزاں کے ختم ہوتے ہی بادِ بہاری کو اٹھکیلیاں سوجھنا شروع ہو جاتی ہیں۔ مردہ پتے گرنے لگتے ہیں، اورنئے شگو فے کھلنا شروع ہو جاتے ہیں،چمنستانِ ہستی میں بہار آ جاتی ہے، ستاروں کی گردش، اور زمین کی حرکت ارضی اور سماوی تبدیلیوں کی نشاندہی کرتی ہے۔
اے ہم نشیں ! کلام میرا لا کلام ہے
سُن! زندگی تغیّرِ پیہم کا نام ہے
صدرِذی وقار!
انسان پر بھی حالات ایک جیسے نہیں رہتے،کبھی مسرت و شادمانی کی کیفیت ہوتی ہے، کبھی غم اور اندوہ ساتھ نبھانے کا تہیہ کر لیتے ہیں، کبھی امارات کے بادل سایہ فگن ہو جاتے ہیں، کبھی غربت و افلاس کی چکی میں پسنا مقدر بن جاتاہے۔ کبھی بیماری کا بھیانک چہرا جیسے ڈینگی کی صورت میں سامنے آتا ہے دیکھنا پڑتا ہے اورکبھی تندرستی اور صحت کی نوید جانفرا سنائی دینا شروع کر دیتی ہے۔
جنابِ صدر!
انسان اشرف مخلوقات پیدا فرمایا گیا ہے۔ اس کونشیب و فراز سے واسطہ...

A Proposed Islamic Microfinance Impact Assessment Methodology

Impact assessment of microfinance programs have been remained the foremost concern of microfinance stakeholders for optimal policy measures. The existing literature regarding the impact assessment varies from parametric to experimental methods to evaluate the performance of microfinance programs across the world however; the literature is lacking a single measure to reveal maximum possible changes in socioeconomic variables resulting from microfinance institutions’ intervention. This study aims to develop a composite index for evaluating the performance of microfinance programs in multi-dimensional contexts. The study exposes a set of eight “diverse indicators” to evaluate the performance of a microfinance program on a wider socioeconomic scale. The dimensions of the index are consist of economic (Income, saving) and socioeconomic (poverty, access to basic facilities, family empowerment) indicators. The changes in deprivations of household, based on the selected indicators, reveal the intensity of success of a microfinance program towards their goals. Finally, we have developed an index by the interaction of incidence and intensity of socioeconomic deprivations. The index is named as “Multidimensional Microfinance Deprivation Index”. This is an index developed in the same line as multidimensional poverty index. The implications of this study are three folds; firstly, it will open up a new dimension of literature in the field of microfinance including Islamic microfinance by instigating an important area. Secondly, it may provide a better alternative to microfinance’s stakeholders to investigate the impact assessment of microfinance programs on a wider socioeconomic scale rather than a few economic. Last but not the least, the study integrates diverse socioeconomic indicators, after assigning weights and adjustment to portray an overall picture of the performance of microfinance in terms of uplifting the socioeconomic conditions of the poor and financially marginalized people.

Density Functional Studies of the Functional Magnetic Materials

Spin polarized calculations based on FP-(L)APW+lo method were performed on non-magnetic, ferromagnetic and antiferromagnetic phase of Bi2Fe4O9. Antiferromagnetic phase was energetically favourable. All exchange correlation functionals accurately describe structural properties of Bi2Fe4O9 but failed to calculate correct band structure. All exchange correlation functionals with U gave bandgap values (2.05 - 2.2eV) closer to experimental values (1.9 - 2.1 eV). The calculated DOS showed hybridization between Fe 3d and O 2p states along with minor overlap between Bi 6p and O 2p states in upper valance band. Lower conduction band was composed of Fe 3d states. Magnetic properties of Bi2Fe4O9 were due to Fe3+ ions having magnetic moment ~4μB. Induced magnetic moments at other atomic sites depend on their local environment. Charge density plots reveal slight covalent character and strong ionic character between Fe-O atoms and Bi-O atoms. In absorption spectrum peak at 1.5 eV was attributed to d-d transition of Fe3+ ions. While peak at 2.05 eV was ascribed to transitions from O 2p valence band to conduction band Fe 3d levels. Static dielectric constant and refractive index were 17.61 and 4.4 respectively. Reflectivity has peak at 15.75 and 18.37 eV (λ = 78.66 and 67.44 nm). Peak in energy loss spectrum at 21.99 eV corresponds to abrupt decrease of reflectivity. Spin polarized calculations of Fe doped ferromagnetic EuO (Eu0.75Fe0.25O, Eu0.50Fe0.50O and Eu0.25Fe0.75O) using mBJ+U method show that lattice constant linearly decrease with increasing doping concentration of Fe atoms. Semiconductor EuO shows metallic character when doped with Fe atoms. Doped EuO exhibit extra peaks of Fe atom 3d states between -10 to 3.5 eV in valence band. Decrease in bandgap was due to increased spd exchange interaction between band electrons and localized 3d electrons of transition atom. Effect of doping was found to be dependent on the location of dopant ions. Electronic and magnetic properties of ferromagnetic EuFeO3 were calculated using mBJ+U exchange correlation functional that better describe energy bandgap values of strongly correlated 4f system. The calculated bandgap 2.7 eV agrees with experimental value. EuFeO3 was found to be charge transfer insulator due to existence of bandgap between O 2p and Eu 4f states.
Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

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