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قندیلِ محبت کے دیے نعت کے الفاظ


قندیلِ محبت کے دیئے نعت کے الفاظ
چمکے ہیں دل و جاں میں مرے نعت کے الفاظ

آیاتِ مقدُس میں ملے نعت کے الفاظ
قرآن کے الفاظ بنے نعت کے الفاظ

دل اہلِ قلم کا ہوا سرشار خوشی سے
قرطاس پہ جس وقت لکھے نعت کے الفاظ

گل ہائے عقیدت کی ہے مہکار سرِ بزم
پھولوں کی طرح لب پہ کھلے نعت کے الفاظ

اس مشقِ سخن کی ہے جزا کوثر و تسننیم
میزان پہ خود بول پڑے نعت کے الفاظ

اعمال کے دفتر کی مجھے خوب خبر تھی
بخشش کا وسیلہ ہی بنے نعت کے الفاظ

الفاظ کی پرواز کوئی جامی سے پوچھے
خود جا نہ سکے اُڑ کے گئے نعت کے الفاظ

بوصیریٔ بیمار شفا یاب ہوئے تھے
جب جانِ مسیحاؐ نے سُنے نعت کے الفاظ

اللہ کی رحمت نے کیا صاحبِ دیوان
عرفانؔ کی خواہش تھی کہے نعت کے الفاظ

خاندانی کاروبار میں جانشینی کی منصوبہ بندی اور اس سے متعلق وصیت ووراثت کے شرعی احکام

Family Business is a very important form of business in this era and especially because of this it merely does not matter the business, but more sensitivity is of close relatives and relationships. That is why it has many administrative, Shariah and ethical complications. That is why, this theme has been created as a field of discussion and research. The most important thing in the family business is to successfully move to the next generation. It is very important to successfully succeed in transferring business towards next family generation. The “Succession Planning” is very important for this purpose. We would like to describe this plan with brief detail in this article. Along with this, whatever is written by Shariah, it will also be mentioned. The most important point is that it should be documented when the business is transferring from one generation to another generation. In this article, you will be able to get special guidance on both aspects of topic: management and sharia law.

Effect of Explicit Deposit Insurance on Moral Hazard of Banks Risk-Taking: in Cross Section of Supervision

The adoption of explicit deposit insurance increases the moral hazard of bank’s risktaking triggered by the reduction in depositors’ discipline. In the light of economic and contract theories, the main objectives of this study are; to analyze whether the implementation of risk-adjusted deposit insurance premium shrinks the bank’s risktaking, to examine that the allocation of appropriate supervisory powers and suitable supervision structure to a banking supervisor reduces the bank’s risk-taking, to scrutinize whether to allocate the additional supervisory power to a deposit insurer in the presence of banking supervisor which more likely to decreases the moral hazard of bank’s risk-taking. This study comprises the secondary data of publically traded deposit-taking banks of 125 countries from 2002 to 2014 period. In this scenario, the bank-level data is collected from the Bankscope database while country-level data is collected from the surveys of World Bank and global financial development database. This study uses the Hierarchical Linear Modelling (HLM) technique which takes into account the nested effect of the dataset. The findings reveal that enactment of risk-adjusted deposit insurance premium decreases the moral hazard of bank’s risk-taking initiated by the adoption of explicit deposit insurance. Though, this effect is higher for the small banks as compared to large banks. Furthermore, the allocation of greater supervisory powers to a banking supervisor, reduces the moral hazard of bank’s risk-taking in non-crisis affected countries and uplifts the financial health of banks in both crisis and non-crisis affected countries. Moreover, a central bank with greater supervisory powers, appears to mitigate the moral hazard of bank’s risk-taking adopted by explicit deposit insurance. Whereas, the allocation of low supervisory powers to a central bank has a little or no impact on the bank’s risk-taking. The allocation of supervisory powers to a deposit insurer decreases the moral hazard of bank’s risk-taking and enriches the bank’s soundness in non-crisis effected countries. Furthermore, the allocation of additional supervisory powers to a deposit insurer, appears as the additional force to mitigate the moral hazard of bank’s risk-taking in the presence of a banking supervisor. However, this effect is more significant in non-crisisaffected countries. Therefore, the regulatory institutes can reform their strategies and surveillance policies under the verdicts of this study, as it intensifies the depositors and investors’ confidence in the banking system around the globe.
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