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مدینے سے شاید پیام آگیا ہے

مدینے سے شاید پیام آگیا ہے
کہ لب پر درود و سلام آگیا ہے

مہکنے لگا ہے یہ ماحول سارا
کہ لب پر محمدؐ کا نام آگیا ہے

نگاہوں سے سجدے اُبلنے لگے ہیں
کہ اب شہرِ خیرالانامؐ آگیا ہے

حضورؐ اب نگاہِ کرم اپنی کر دیں
غلام آگیا ہے ، غلام آگیا ہے

ہوا پر قدم ہیں کہ صحن ِ حرم ہے
عجب ایک لطفِ خرام آگیا ہے

جہاں صرف سجدے نہیں سر لُٹیں گے
رہِ عشق میں وُہ مقام آگیا ہے

مرے لفظ اب نعت میں ڈھل رہے ہیں
سو رنگِ سخن میں دوام آگیا ہے

عطا ہوں گے حمدو ثنا کے ترانے
کہ عابدؔ یہ ماہِ صیام آگیا ہے

The Study of Possible Shariah Non Compliance Risks of Ijarah Along With Their Risk Management Mechanism

The main objective of this research paper is the study of possible Sharīʻaĥ non-compliance risks (SNCRs) of Ijāraĥ along with their risk management mechanism. As the activity of Sharīʻaĥ non-compliance is negligence or failure to comply with the Sharīʻaĥ rules and regulations as well as for some extent, the breach of the law of the land. Hence, Identification, Monitoring, Control and Mitigation of SNCRs need to be undertaken sensitively otherwise the spirit and objective of Islamic banks (IBIs) will be no more than different from Conventional banking system i.e. Interest based banking. Consequently, this new practice of Islamic banking will also be considered Sharīʻaĥ non-compliant. Because, failure in control and mitigation of Sharīʻaĥ non-compliance risks (SNCRs) may render the transaction into Null and Void (Bāṭil) or Voidable (Fāsid) as well as the return/rental would be considered impermissible (Ḥarām). Additionally, it may expose the status of IBIs at high risk regarding their reputation, profitability and confidence of their stakeholders which may lead the system towards collapse and downfall. Keeping in mind the need of the identification of SNCR along with estimated risk management/mitigation tools, this paper is developed to help the industry to develop their own Sharīʻaĥ non-compliance risk management system and to achieve the targeted outcomes i.e. Sound reputation of Islamic banking on the basis of Sharīʻaĥ principles, permissible proceeds/profits through genuine Sharīʻaĥ compliant activities and comprehensive knowledgeable material to understand distinctive and accurate Islamic banking system from Conventional. Targeting the abovementioned goals and aims, the answers of following questions are explored: What is SNCR? Is there any approved and authentic mechanism or SNCR management system in market to manage and mitigate them? Is the SNCR destructive for the profit and goodwill of IBIs? Principally, this research paper is an effort to uncover the SNCRs of Ijāraĥ Product along with the risk management mechanism keeping in sight the modern practices of Ijāraĥ Product.

The Impact of a School Leadership Training Program Sltp on the Knowledge and Practices of the Headteachers of the Aga Khan Education Service Schools in the North Areas

School leadership is the most important factor in the improvement of schools. Now it is widely accepted that headteachers need both pedagogical and managerial skills to lead a school. This can be achieved through leadership training programs. In many countries including Pakistan, teachers are mostly promoted to headship positions without their having management and leadership skills in schools. Therefore, the training becomes important for those headteachers who have been promoted to headship positions on the basis of their seniority or teaching experience. The School Leadership Training Program (SLTP) was an in-house training program, which was carried out for the headteachers of AKES, P schools in the Northern Areas. This study is about the impact of SLTP on the knowledge and practices of the Headteachers (HTs) who attended the training program. This inquiry presents the impact of the training program in terms of the sense of self-efficacy, knowledge acquisition, practices and performance of the HTs. The study was carried out in January- February 2004 in four schools of the Aga Khan Education Services, Pakistan, two Field Education Offices, and the Training Program Office of the AKES,P Northern Areas, Gilgit. Qualitative and quantitative research methods were used. Data was collected through interviews of the HTs, teachers, and education officers and a program coordinator, and through document study of schools, FEOs and SLTP related to the practices of HTs, and their staffs. For data analysis the grounded theory of data analysis was used. This study reveals that SLTP had made an impact on the perception, knowledge, practices and performance of the headteachers. The impact of the training program was ascertained on the beliefs, attitudes, and practices of the HTs as well. The research also exposed factors that facilitated or hindered the implementation of the knowledge and skills learnt by the HTs during the training. The major facilitating and hindering factors remained the innate qualities of individuals, system support, suitable working conditions, academic knowledge, and needs based training.
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