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۹۔ رشتے برائے فروخت

رشتے برائے فروخت

آئو …آئو…خدا کے بندو!

عیش کے فرزندو

میں تمھیں آج ایک چیز دکھائوں

ایک انوکھی ،تمھارے مطلب کی چیز

جس سے تمھیں سکون ملتا ہے

اور لبوں پہ طنزیہ مسکراہٹیں سجتی ہیں

یہ لیجیے……!

مفاد پرستی کی محبت

 حسدکی آگ میں جلتے رشتے

ایذا کے کیچڑ میں لتھڑے رشتے

آنسو بہاتے اور سسکتے رشتے

پتھر کی طرح سخت ،مگر کانچ سے نازک رشتے

بانسری کی طرح کھو کھلے ،عداوت کے سُر نکالتے رشتے

پیاروں کے خون میں رنگے رشتے

جن کا کوئی نعم البدل نہیں

خلوص کا زہر اگلتے رشتے

ایسا زہر جس کا کوئی تریاک نہیں

سب …لے جائو

اور بدلے میں چند مسکراہٹیں دے جائو

جو ان رشتوں کے باعث چھن گئی ہیں

چند خوشیاں دے دو

جو ادھوری خواہشوں کی مانند چبھ رہی ہیں

Relationship of Customer Relationship Learning to Service Quality of Regional Development Banks

This study aims to analyze the relationship between customer relationship learning and service quality at Bank Pembangunan Daerah Jawa Timur Plc, Surabaya Region. This research uses quantitative methods with a descriptive research approach. The population was 1,329 savings customers in 10 locations of the Bank Pembangunan Daerah Jawa Timur Plc network in the Surabaya region, representing the eastern, western, northern and southern regions of Surabaya with 307 respondents. The results showed that customer relationship learning had an effect on the quality of PT Bank Pembangunan's service. The area of East Java Plc in the Surabaya area, this shows that with a customer relationship learning strategy, it will be able to increase service quality. Service quality is the totality of the characteristics of goods and services that demonstrate its ability to satisfy customer needs.

Islamic Vs Conventional Banking in Pakistan Financial Performance Evaluation Using ?M-Scales?

Purpose: The purpose of this research study is to evaluate and explore the financial performance of Islamic and conventional banks in Pakistan. The study discovers the effecting variable(s) on the financial performance of banking sector of Pakistan. The research study has conducted an analysis using ?M-SCALES? for Islamic and conventional banking sector. Methodology/Design/Approach: Primary and secondary data collection is applied to gather the data. A primary data based study from 105 respondents from Islamic and conventional banking executives/advisors has been conducted to collect data for ?Shariah Compliance? variable on 5-point likert scale. Secondary data collected for CAMELS model from financial reports of selected banks. ROA and ROE are used as a proxy for performance. 2-Stage Least Square (2-SLS) model is used to investigate the relationship between financial performance and CAMELS approach, with Shariah Compliance as an instrumental variable. Findings: The study concludes that there is a statistically significant relationship among earnings, sensitivity and performance (ROA and ROE) of banking sector. The study also found significant relation between ROE and asset quality. The F-statistic being significant indicates reasonable overall fit at the 5% level of significance for both models. Research Limitations: Islamic banking industry have limited banks operating in Pakistan and from six (6) banks we have limitisizaed to five (5) Islamic banks due to the Burj Bank has been merged into Al Baraka Bank Pakistan effective 1st November, 2016. MCB Islamic Bank Limited added with 8 branches as of 30 June, 2016. Managerial Implications: The study assist investor?s and decision making authorities of domestic and international banks to have a better look of Islamic banking and conventional sector banks performance.
Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

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