Friday 5 October 2012

Re: [PF:170748] Countless Blessings *

shukriah brother




2012/10/6 Hayat Khan <khanhayat454@gmail.com>
jazak Allah khair boht achi misaal di he

On 6 October 2012 09:23, abdul razzaq <abdulrazzaq99@gmail.com> wrote:
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بسم اللہ الرحمٰن الرحیم

السلامُ علیکم و رحمۃ اللہ و برکاتہ



اپنا  ماضی مت بھولئیے!

 

نہایت گہرے معانی لئے ایک  پُر اثر قصہ

 

ایک تھی لڑکی،اندھی اور  بصارت سے محروم،  اپنے اندھے پن کی وجہ سے نا صرف اپنے آپ سے نفرت کرتی تھی

 بلکہ اس دنیا اور اور دنیا کے ہر شخص سے  بھی نفرت کرتی تھی۔

 

 ہاں مگر ایک شخص تھا جس سے وہ پیار کرتی تھی اور وہ تھا اسکا محبوب دوست جو ہر وقت  اس کے ساتھ رہتا تھا اور اسکے ہر دکھ سکھ کا خیال رکھتا تھا۔

لڑکی نے اُسے کہہ رکھا تھا کہ وہ  جس دن اس دنیا کو اپنی آنکھوں سے دیکھ لے گی اُسی دن اُس سے شادی کر لے گی۔

 

ایک دن کسی نے اپنی دونوں آنکھیں اُس لڑکی کو عطیہ کر دیں،  اور جب آنکھیں لگا دینے کے بعد اُس کی آنکھوں سے پٹی اُتاری گئی تو، 

وہ ساری دنیا کو دیکھ سکتی تھی بشمول اپنے محبوب دوست کے!

 

اُس کے دوست نے پوچھا، اب تو تم اپنی آنکھوں سے ساری دنیا کو دیکھ سکتی ہو، اب تو مجھ سے شادی کروگی ناں!

لڑکی نے اپنے دوست کو دیکھا، حیرت سے اُسے صدمہ لگا کہ اُسکا دوست تو اندھا تھا، غیر متوقع طور پر اسکے دوست  کے چہرے پر خالی  آنکھیں اُسکا منہ چِڑا رہی تھیں۔

وہ لڑکی جو حسرت کرتی تھی کہ آنکھیں ملیں گی تو اپنی ساری  زندگی اسکے ساتھ بِتائے گی مگر۔۔۔۔ لڑکی نے شادی سے انکار کر دیا۔

 

لڑکا روتے ہوئے وہاں سے چلا گیا، کچھ دنوں کے بعد اُس نے لڑکی کو ایک رقعہ بھیجا کہ

 اے میری دوست اپنی اِن  آنکھوں کا بہت خیال رکھنا، کیوں کہ کچھ دن پہلے تک یہ میری آنکھیں تھیں۔

 

جی ہاں! اکثر اوقات انسانی ذہن  اپنی ذرا سی حیثیت یا سٹیٹس تبدیل ہونے پر  بالکل اسی طرح  کیا کرتے ہیں۔

بہت ہی کم ایسے لوگ ہیں جو اپنی سابقہ حیثیت کو  نہیں بھلاتے اور ہر حال میں یاد رکھتے ہیں کہ وہ کس قسم کے حالات سے گزر چکے ہیں۔

 

یاد رکھیئے! زندگی اللہ کی عطا کردہ نعمت اور تحفہ ہے۔

 

"آج کے بعد اپنی زبان سے کوئی ناشائستہ بات نکالنے سے قبل اُن لوگوں کے بارے میں ضرور سوچیئے گا جو بولنے سے محروم ہیں۔"

 

"کھانے کے ذائقہ پر اعتراض کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جن کو اس جیسا کھانا بھی میسر نہیں ہے۔"

 

"بعض تو اپنی زندگی پر ہی اعتراض کر جاتے ہیں، آئندہ اُنکے بارے میں ضرور سوچیئے گا جو تم سے پہلے آسمانوں کی طرف کوچ کر گئے۔"

 

"گاڑی چلاتے ہوئے مُسافت کی طوالت کا شکوہ کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جو یہ سفر پیدل کرتے رہے ہیں۔"

 

"اور جب کبھی اپنے کام سے تھکن یا بوریت کی شکایت ہو اُن لوگوں کا تصور ضرور ذہن میں لائیے گا جو بے روزگار ہیں اور اس جیسے کام کا محض تصور ہی کر سکتے ہیں ۔"

 

"اپنی بیوی یا خاوند کی شکایت کرنے سے پہلے ان کے بارے میں ضرور سوچیئے گا جو اللہ کے حضور اپنے اکیلے پن کی دوری کی فریاد کرتے ہیں ۔"

 

اور جب کبھی تم پر حد سے زیادہ یاسیت و قنوطیت چھا جائے تو اپنے چہرے پر یہ سوچ کر ایک  مسکراہٹ لانے کی کوشش کیجیئے گا کہ

 ابھی تم زندہ اور سلامت ہو اُن تمام نعمتوں کا شکر ادا کرنے کیلئے جو اللہ نے تمہیں نوازی ہیں۔
 
 


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All members are expected to follow these Simple Rules:
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SPAM, Advertisement, and Adult messages are NOT allowed.
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From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
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===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

Re: [PF:170743] Countless Blessings *

jazak Allah khair boht achi misaal di he

On 6 October 2012 09:23, abdul razzaq <abdulrazzaq99@gmail.com> wrote:
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بسم اللہ الرحمٰن الرحیم

السلامُ علیکم و رحمۃ اللہ و برکاتہ



اپنا  ماضی مت بھولئیے!

 

نہایت گہرے معانی لئے ایک  پُر اثر قصہ

 

ایک تھی لڑکی،اندھی اور  بصارت سے محروم،  اپنے اندھے پن کی وجہ سے نا صرف اپنے آپ سے نفرت کرتی تھی

 بلکہ اس دنیا اور اور دنیا کے ہر شخص سے  بھی نفرت کرتی تھی۔

 

 ہاں مگر ایک شخص تھا جس سے وہ پیار کرتی تھی اور وہ تھا اسکا محبوب دوست جو ہر وقت  اس کے ساتھ رہتا تھا اور اسکے ہر دکھ سکھ کا خیال رکھتا تھا۔

لڑکی نے اُسے کہہ رکھا تھا کہ وہ  جس دن اس دنیا کو اپنی آنکھوں سے دیکھ لے گی اُسی دن اُس سے شادی کر لے گی۔

 

ایک دن کسی نے اپنی دونوں آنکھیں اُس لڑکی کو عطیہ کر دیں،  اور جب آنکھیں لگا دینے کے بعد اُس کی آنکھوں سے پٹی اُتاری گئی تو، 

وہ ساری دنیا کو دیکھ سکتی تھی بشمول اپنے محبوب دوست کے!

 

اُس کے دوست نے پوچھا، اب تو تم اپنی آنکھوں سے ساری دنیا کو دیکھ سکتی ہو، اب تو مجھ سے شادی کروگی ناں!

لڑکی نے اپنے دوست کو دیکھا، حیرت سے اُسے صدمہ لگا کہ اُسکا دوست تو اندھا تھا، غیر متوقع طور پر اسکے دوست  کے چہرے پر خالی  آنکھیں اُسکا منہ چِڑا رہی تھیں۔

وہ لڑکی جو حسرت کرتی تھی کہ آنکھیں ملیں گی تو اپنی ساری  زندگی اسکے ساتھ بِتائے گی مگر۔۔۔۔ لڑکی نے شادی سے انکار کر دیا۔

 

لڑکا روتے ہوئے وہاں سے چلا گیا، کچھ دنوں کے بعد اُس نے لڑکی کو ایک رقعہ بھیجا کہ

 اے میری دوست اپنی اِن  آنکھوں کا بہت خیال رکھنا، کیوں کہ کچھ دن پہلے تک یہ میری آنکھیں تھیں۔

 

جی ہاں! اکثر اوقات انسانی ذہن  اپنی ذرا سی حیثیت یا سٹیٹس تبدیل ہونے پر  بالکل اسی طرح  کیا کرتے ہیں۔

بہت ہی کم ایسے لوگ ہیں جو اپنی سابقہ حیثیت کو  نہیں بھلاتے اور ہر حال میں یاد رکھتے ہیں کہ وہ کس قسم کے حالات سے گزر چکے ہیں۔

 

یاد رکھیئے! زندگی اللہ کی عطا کردہ نعمت اور تحفہ ہے۔

 

"آج کے بعد اپنی زبان سے کوئی ناشائستہ بات نکالنے سے قبل اُن لوگوں کے بارے میں ضرور سوچیئے گا جو بولنے سے محروم ہیں۔"

 

"کھانے کے ذائقہ پر اعتراض کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جن کو اس جیسا کھانا بھی میسر نہیں ہے۔"

 

"بعض تو اپنی زندگی پر ہی اعتراض کر جاتے ہیں، آئندہ اُنکے بارے میں ضرور سوچیئے گا جو تم سے پہلے آسمانوں کی طرف کوچ کر گئے۔"

 

"گاڑی چلاتے ہوئے مُسافت کی طوالت کا شکوہ کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جو یہ سفر پیدل کرتے رہے ہیں۔"

 

"اور جب کبھی اپنے کام سے تھکن یا بوریت کی شکایت ہو اُن لوگوں کا تصور ضرور ذہن میں لائیے گا جو بے روزگار ہیں اور اس جیسے کام کا محض تصور ہی کر سکتے ہیں ۔"

 

"اپنی بیوی یا خاوند کی شکایت کرنے سے پہلے ان کے بارے میں ضرور سوچیئے گا جو اللہ کے حضور اپنے اکیلے پن کی دوری کی فریاد کرتے ہیں ۔"

 

اور جب کبھی تم پر حد سے زیادہ یاسیت و قنوطیت چھا جائے تو اپنے چہرے پر یہ سوچ کر ایک  مسکراہٹ لانے کی کوشش کیجیئے گا کہ

 ابھی تم زندہ اور سلامت ہو اُن تمام نعمتوں کا شکر ادا کرنے کیلئے جو اللہ نے تمہیں نوازی ہیں۔
 
 


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All members are expected to follow these Simple Rules:
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Be Careful in Islamic Discussions;
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This is not Dating / Love Group, avoid sending personnel messages to group members.
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what was my fault

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All members are expected to follow these Simple Rules:
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Be Careful in Islamic Discussions;
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Re: [PF:170745] Eid gift for u

Eid k liay gift Eid se pehle hi dete hen na ! aap ko free mil rahi hen.

On 5 October 2012 18:34, <gujranwalafun@gmail.com> wrote:
Eid se pehlle hi
-----Original Message-----
From: Hayat Khan
Sent:  04/10/2012, 4:22  PM
To: undisclosed-recipients:
Subject: [PF:170706] Eid gift for u


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what was my fault

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All members are expected to follow these Simple Rules:
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Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
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Visit Group: http://groups.google.com/group/Karachi-786
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              ¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks



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what was my fault

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From:
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Visit Group: http://groups.google.com/group/Karachi-786
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===========================================================
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===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

Re: [PF:170747] Jab hum jawan hoon gy.....

mere khyal men thorhe difference ki koi baat nhi.

On 5 October 2012 18:25, <gujranwalafun@gmail.com> wrote:
Altaf hussain ko dekho or us ki begham ko dekho kitna diffrance hai .
-----Original Message-----
From: imbest
Sent:  05/10/2012, 3:38  PM
To: karachi-786@googlegroups.com
Subject: Re: [PF:170721] Jab hum jawan hoon gy.....


Gilaniiiiiiiiiiiiiiiiiiiiiiii

On Fri, Oct 5, 2012 at 11:09 AM, Hayat Khan <khanhayat454@gmail.com> wrote:

>
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> Jab hum jawan hoon gy..... ****
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> Here are some pictures of Famous Pakistani Politicians.****
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> yes this is their old pic...................................!****
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> ****
>
>  ****
>
> ****
>
>  ****
>
>  ****
>
>  ****
>
>  ****
>
>  ****
>
> And here is final one.****
>
> .****
>
> .****
>
> .****
>
> .****
>
> .****
>
> .****
>
> .****
>
> .****
>
> .****
>
>  ****
>
>  ****
>
> <http://www.nidokidos.org/threads/46691-Yousaf-Raza-Gillani>****
>
>  ****
>
>  ****
>
> ** **
>
> ** **
>
>   ****
>
>   ****
>
>                         ****
>
>              ****
>
> ** **
>
>  --
>
>
> [image: Picture]
>
> what was my fault
>
>  --
> From:
> [Pak-Friends] Group Member
> Visit Group: http://groups.google.com/group/Karachi-786
> Subscription: http://groups.google.com/group/karachi-786/subscribe
> ===========================================================
> ¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
> ===========================================================
> All members are expected to follow these Simple Rules:
> -~----------~----~----~----~------~----~------~--~---
> Be Careful in Islamic Discussions;
> Bad language and insolence against Prophets (and / or their companions,
> Islamic Scholars, and saints) is an Instant ban.
> Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
> SPAM, Advertisement, and Adult messages are NOT allowed.
> This is not Dating / Love Group, avoid sending personnel messages to group
> members.
> Do not post anything linked to (or in favor of) facebook.
> Thanks
>

--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
              ¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
              ¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks



--
Picture

what was my fault

--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

RE: [PF:170742] Countless Blessings

Beshak ji app ne boht tafseel se byan kiya hai
-----Original Message-----
From: abdul razzaq
Sent: 06/10/2012, 11:23 AM
To: star-friends-group
Cc: "School-of-friendz@googlegroups.com School-of-friendz@googlegroups.com"; vu-and-company; karachi-786@googlegroups.com
Subject: [PF:170724] Countless Blessings


------------------------------

*بسم اللہ الرحمٰن الرحیم*

*السلامُ علیکم و رحمۃ اللہ و برکاتہ*

------------------------------

اپنا ماضی مت بھولئیے!



نہایت گہرے معانی لئے ایک پُر اثر قصہ



ایک تھی لڑکی،اندھی اور بصارت سے محروم، اپنے اندھے پن کی وجہ سے نا صرف
اپنے آپ سے نفرت کرتی تھی

بلکہ اس دنیا اور اور دنیا کے ہر شخص سے بھی نفرت کرتی تھی۔



ہاں مگر ایک شخص تھا جس سے وہ پیار کرتی تھی اور وہ تھا اسکا محبوب دوست جو
ہر وقت اس کے ساتھ رہتا تھا اور اسکے ہر دکھ سکھ کا خیال رکھتا تھا۔

لڑکی نے اُسے کہہ رکھا تھا کہ وہ جس دن اس دنیا کو اپنی آنکھوں سے دیکھ لے گی
اُسی دن اُس سے شادی کر لے گی۔



ایک دن کسی نے اپنی دونوں آنکھیں اُس لڑکی کو عطیہ کر دیں، اور جب آنکھیں لگا
دینے کے بعد اُس کی آنکھوں سے پٹی اُتاری گئی تو،

وہ ساری دنیا کو دیکھ سکتی تھی بشمول اپنے محبوب دوست کے!



اُس کے دوست نے پوچھا، اب تو تم اپنی آنکھوں سے ساری دنیا کو دیکھ سکتی ہو، اب
تو مجھ سے شادی کروگی ناں!

لڑکی نے اپنے دوست کو دیکھا، حیرت سے اُسے صدمہ لگا کہ اُسکا دوست تو اندھا
تھا، غیر متوقع طور پر اسکے دوست کے چہرے پر خالی آنکھیں اُسکا منہ چِڑا رہی
تھیں۔

وہ لڑکی جو حسرت کرتی تھی کہ آنکھیں ملیں گی تو اپنی ساری زندگی اسکے ساتھ
بِتائے گی مگر۔۔۔۔ لڑکی نے شادی سے انکار کر دیا۔



لڑکا روتے ہوئے وہاں سے چلا گیا، کچھ دنوں کے بعد اُس نے لڑکی کو ایک رقعہ
بھیجا کہ

اے میری دوست اپنی اِن آنکھوں کا بہت خیال رکھنا، کیوں کہ کچھ دن پہلے تک یہ
میری آنکھیں تھیں۔



جی ہاں! اکثر اوقات انسانی ذہن اپنی ذرا سی حیثیت یا سٹیٹس تبدیل ہونے پر
بالکل اسی طرح کیا کرتے ہیں۔

بہت ہی کم ایسے لوگ ہیں جو اپنی سابقہ حیثیت کو نہیں بھلاتے اور ہر حال میں
یاد رکھتے ہیں کہ وہ کس قسم کے حالات سے گزر چکے ہیں۔



یاد رکھیئے! زندگی اللہ کی عطا کردہ نعمت اور تحفہ ہے۔



"آج کے بعد اپنی زبان سے کوئی ناشائستہ بات نکالنے سے قبل اُن لوگوں کے بارے
میں ضرور سوچیئے گا جو بولنے سے محروم ہیں۔"



"کھانے کے ذائقہ پر اعتراض کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جن کو
اس جیسا کھانا بھی میسر نہیں ہے۔"



"بعض تو اپنی زندگی پر ہی اعتراض کر جاتے ہیں، آئندہ اُنکے بارے میں ضرور
سوچیئے گا جو تم سے پہلے آسمانوں کی طرف کوچ کر گئے۔"



"گاڑی چلاتے ہوئے مُسافت کی طوالت کا شکوہ کرنے سے پہلے اُن کے بارے میں ضرور
سوچیئے گا جو یہ سفر پیدل کرتے رہے ہیں۔"



"اور جب کبھی اپنے کام سے تھکن یا بوریت کی شکایت ہو اُن لوگوں کا تصور ضرور
ذہن میں لائیے گا جو بے روزگار ہیں اور اس جیسے کام کا محض تصور ہی کر سکتے
ہیں ۔"



"اپنی بیوی یا خاوند کی شکایت کرنے سے پہلے ان کے بارے میں ضرور سوچیئے گا جو
اللہ کے حضور اپنے اکیلے پن کی دوری کی فریاد کرتے ہیں ۔"



اور جب کبھی تم پر حد سے زیادہ یاسیت و قنوطیت چھا جائے تو اپنے چہرے پر یہ
سوچ کر ایک مسکراہٹ لانے کی کوشش کیجیئے گا کہ

ابھی تم زندہ اور سلامت ہو اُن تمام نعمتوں کا شکر ادا کرنے کیلئے جو اللہ نے
تمہیں نوازی ہیں۔

--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

[PF:170724] Countless Blessings





بسم اللہ الرحمٰن الرحیم

السلامُ علیکم و رحمۃ اللہ و برکاتہ



اپنا  ماضی مت بھولئیے!

 

نہایت گہرے معانی لئے ایک  پُر اثر قصہ

 

ایک تھی لڑکی،اندھی اور  بصارت سے محروم،  اپنے اندھے پن کی وجہ سے نا صرف اپنے آپ سے نفرت کرتی تھی

 بلکہ اس دنیا اور اور دنیا کے ہر شخص سے  بھی نفرت کرتی تھی۔

 

 ہاں مگر ایک شخص تھا جس سے وہ پیار کرتی تھی اور وہ تھا اسکا محبوب دوست جو ہر وقت  اس کے ساتھ رہتا تھا اور اسکے ہر دکھ سکھ کا خیال رکھتا تھا۔

لڑکی نے اُسے کہہ رکھا تھا کہ وہ  جس دن اس دنیا کو اپنی آنکھوں سے دیکھ لے گی اُسی دن اُس سے شادی کر لے گی۔

 

ایک دن کسی نے اپنی دونوں آنکھیں اُس لڑکی کو عطیہ کر دیں،  اور جب آنکھیں لگا دینے کے بعد اُس کی آنکھوں سے پٹی اُتاری گئی تو، 

وہ ساری دنیا کو دیکھ سکتی تھی بشمول اپنے محبوب دوست کے!

 

اُس کے دوست نے پوچھا، اب تو تم اپنی آنکھوں سے ساری دنیا کو دیکھ سکتی ہو، اب تو مجھ سے شادی کروگی ناں!

لڑکی نے اپنے دوست کو دیکھا، حیرت سے اُسے صدمہ لگا کہ اُسکا دوست تو اندھا تھا، غیر متوقع طور پر اسکے دوست  کے چہرے پر خالی  آنکھیں اُسکا منہ چِڑا رہی تھیں۔

وہ لڑکی جو حسرت کرتی تھی کہ آنکھیں ملیں گی تو اپنی ساری  زندگی اسکے ساتھ بِتائے گی مگر۔۔۔۔ لڑکی نے شادی سے انکار کر دیا۔

 

لڑکا روتے ہوئے وہاں سے چلا گیا، کچھ دنوں کے بعد اُس نے لڑکی کو ایک رقعہ بھیجا کہ

 اے میری دوست اپنی اِن  آنکھوں کا بہت خیال رکھنا، کیوں کہ کچھ دن پہلے تک یہ میری آنکھیں تھیں۔

 

جی ہاں! اکثر اوقات انسانی ذہن  اپنی ذرا سی حیثیت یا سٹیٹس تبدیل ہونے پر  بالکل اسی طرح  کیا کرتے ہیں۔

بہت ہی کم ایسے لوگ ہیں جو اپنی سابقہ حیثیت کو  نہیں بھلاتے اور ہر حال میں یاد رکھتے ہیں کہ وہ کس قسم کے حالات سے گزر چکے ہیں۔

 

یاد رکھیئے! زندگی اللہ کی عطا کردہ نعمت اور تحفہ ہے۔

 

"آج کے بعد اپنی زبان سے کوئی ناشائستہ بات نکالنے سے قبل اُن لوگوں کے بارے میں ضرور سوچیئے گا جو بولنے سے محروم ہیں۔"

 

"کھانے کے ذائقہ پر اعتراض کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جن کو اس جیسا کھانا بھی میسر نہیں ہے۔"

 

"بعض تو اپنی زندگی پر ہی اعتراض کر جاتے ہیں، آئندہ اُنکے بارے میں ضرور سوچیئے گا جو تم سے پہلے آسمانوں کی طرف کوچ کر گئے۔"

 

"گاڑی چلاتے ہوئے مُسافت کی طوالت کا شکوہ کرنے سے پہلے اُن کے بارے میں ضرور سوچیئے گا جو یہ سفر پیدل کرتے رہے ہیں۔"

 

"اور جب کبھی اپنے کام سے تھکن یا بوریت کی شکایت ہو اُن لوگوں کا تصور ضرور ذہن میں لائیے گا جو بے روزگار ہیں اور اس جیسے کام کا محض تصور ہی کر سکتے ہیں ۔"

 

"اپنی بیوی یا خاوند کی شکایت کرنے سے پہلے ان کے بارے میں ضرور سوچیئے گا جو اللہ کے حضور اپنے اکیلے پن کی دوری کی فریاد کرتے ہیں ۔"

 

اور جب کبھی تم پر حد سے زیادہ یاسیت و قنوطیت چھا جائے تو اپنے چہرے پر یہ سوچ کر ایک  مسکراہٹ لانے کی کوشش کیجیئے گا کہ

 ابھی تم زندہ اور سلامت ہو اُن تمام نعمتوں کا شکر ادا کرنے کیلئے جو اللہ نے تمہیں نوازی ہیں۔
 
 


--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
Subscription: http://groups.google.com/group/karachi-786/subscribe
===========================================================
¸,.-~*'¨¯¨'*·~-.¸¸,.-~*'[PäK¤.¸.¤F®ï£ñD§]'*·~-.¸¸,.-~*'¨¯¨'*·~-.¸
===========================================================
All members are expected to follow these Simple Rules:
-~----------~----~----~----~------~----~------~--~---
Be Careful in Islamic Discussions;
Bad language and insolence against Prophets (and / or their companions, Islamic Scholars, and saints) is an Instant ban.
Abuse of any kind (to the Group, or it's Members) shall not be tolerated.
SPAM, Advertisement, and Adult messages are NOT allowed.
This is not Dating / Love Group, avoid sending personnel messages to group members.
Do not post anything linked to (or in favor of) facebook.
Thanks

[PF:170724] Simple but True






 

مختصر ۔۔۔ مختصر

یادیں: اس عمارت کی طرح ہیں جو ایک دفعہ ویران ہوجائے تو اس کو دوبارہ آباد نہیں کیا جاسکتا۔

زندگی: مانگا ہوا زیور ہے جس کو واپس کرنا اذیت ناک ہے۔

پیار: وہ جذبہ ہے جس کی پاکیزگی پر دنیا قربان کی جاسکتی ہے۔

تقدیر: ایک دھندلا سا ستارہ ہے جو کبھی افق کے بادلوں میں ڈوب جاتا ہے تو کبھی اتفاقات زمانہ سے ضوفشاں بن جاتا ہے۔

امید: ایک ٹھنڈی چھاؤں اور سکون بخش وادی ہے جو اپنے پرسکون دامن میں پناہ دے کر انسان کو مایوسی کے اتھاہ سمندر میں ڈوبنے سے بچاتی ہے۔

احساس: ایک عظیم جذبہ ہے جس کی عظمت و معراج انسانی بلندیوں کو چھوتی ہے۔

چاند :رات کا وہ خاموش مسافر ہے جو خود اندھیروں میں سفر کرتا ہے مگر دوسروں کو روشنی فراہم کرتا ہے۔

سوچ :ایسا سرمایہ ہے جو ہمیشہ ساتھ رہتا ہے او ر اسے کوئی چھین نہیں سکتا۔

 

 

 



--
From:
[Pak-Friends] Group Member
Visit Group: http://groups.google.com/group/Karachi-786
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[PF:170726] So You Have Lot Of Complaints With Your Life? .. Watch This Video


heart touching video.



So You Have Lot Of Complaints With Your Life? .. Watch This Video

The Girl (Tisha) Getting Dressed Without Arms & Showing you how she get dressed every morning.
 





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{Kantakji Group}. Add '11296' Fwd: Un nouvel article sur le blog www.islamicfinancialtimes.net

---------- Forwarded message ----------
From: Islamic Financial Times <noreply@islamicfinancialtimes.net>
Date: 2012/10/6
Subject: Un nouvel article sur le blog www.islamicfinancialtimes.net
To: kantakji@gmail.com


06/10/2012 03:19:04
Un nouvel article sur le blog www.islamicfinancialtimes.net

Lutte contre la pauvreté : La Bid injecte 1 milliard de FCfa pour la promotion de la microfinance islamique

Le ministre de la Femme, de l'Enfant et de l'Entreprenariat féminin, Mariama Sarr, a vivement remercié la Banque islamique de développement (Bid) d'avoir financé, à hauteur d'un milliard de francs…

Pour lire la suite cliquez ici

© 2012 over-blog.com - Tous droits réservés
Pour ne plus recevoir d'information provenant de www.islamicfinancialtimes.net, cliquez ici ou copiez et collez l'adresse ci-dessous dans votre navigateur Internet : http://ann.over-blog.com/desinscription.php?email=kantakji%40gmail.com&key=004dd9c73046e7acbb506f870845e528

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ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
 
 
 

[PF:170727] Re: How time changes


Yad a raha h mujko guzra hua zamanaaaaaaaaaaaaaaaaaa......................


On Thursday, 4 October 2012 16:10:33 UTC+5, abdul wrote:


sika.jpg


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[karachi-Friends] The Need to Think and Ponder in the verses of Holy Quran



 

اللہ تعالیٰ نے قران میں غوروخوض کرنے کی تاکید فرمائی ہے۔ ہوچھا ہے کہ لوگ آخر قران میں غوروخوض کیوں نہیں کرتے۔اس سے پہلے صحیفوں میں نویدآئی ہے کہ کھٹکھٹائو تمہارے لیے کھولا جائے گا۔ اللہ تعالیٰ کا فرمان عالیشان
ہے کہ جو لوگ سوچے سمجھے بغیر عمل کرتے ہیں وہ جانوروں
کی مانندہیں بلکہ ان سے زیادہ ہدایت سے دور۔اسی لیے علامہ اقبال نے ہمیں درس دیا ہے :

خرد کو غلامی سے آزاد کر  جوانوں کو پیروں کا استادکر

 جیساکہ نبی اکرم صلی اللہ علیہ وسلم نے پیشگوئی کی تھی۔ علم اُٹھ چکا ہے۔اورعلمائ کے نام سے جاہل دکان کھولے بیٹھے ہیں۔ان کا مقصد اپنی شہرت اوردولت کا حصول ہے۔
ایک نوجوان پرماضی کا کوئی بوجھ نہیں ہوتا اور وہ خوب چانتا ہے کہ اسے علم سیکھ کر کام کا آغاز کرنا ہوگا۔ وہ فرقہ واریت سے آگاہ تو ہوتا ہے مگراس سے وابستہ نہیں ہوتا۔ اس لیے غوروخوض سے اس پرحقائق کھلنے لگتے ہیں۔اس کلیے کے مطابق غور کریں تو معلوم ہوتا ہے کہ اللہ تعالیٰ نےکئی سورتیں آخری دور میں ہماری رہنمائی کے لیے نازل فرمائی ہیں۔مثلا سورہ بنی اسرائیل
سورہ الکہف اور سورہ الانبیا

نوجوانوں کے ساتھ یہ آسانی بھی ہوتی ہے کہ وہ قران کریم کی آیات پر ازسرنو غور کر سکتے ہیں۔ہم جانتے ہیں کہ سرکاری علما ہمیشہ حکومت کی حمایت کرتے ہیں خواہ وہ صحیح ہو یا غلط۔ ۔ممتاز مفتی نے لکھا ہے کہ جب حکومت کو کوئی فیصلہ کرنا ہوتا تھا انھیں حکم ملتا تھا کہ اسے قران وسنت کی رو سے درست ثابت کرو۔اور وہ ایسا کردیتے تھے۔ پھر کچھ عرصے بعد حکم آتا تھا کہ اس کے بالکل برعلس پالیسی کو قران کی رو سے صحیح کردکھائو۔اور وہ اُسے بھی صحیح ثابت کردکھاتے تھے۔ تو سرکاری علمائ یا تو حکومتی پالیسی کے تابع ہیں یا اپنے مفادات کے۔ لیکن ایک عام انسان جب کھلے ذہن سے قران پڑھتا ہے تو اس سے کم از کم بنیادی ہدایت پالیتاہے۔مثال کے طور پر میں رات کو ایک آیت پڑھ رہا تھا جس میں دین کے مکمل ہونے کا ذکر ہے۔تو میں نے دیکھا کہ دین اس بات پر مکمل نہیں ہو ا کہ کھانے کی کون سی چیزیں حرام ہیں۔ بلکہ اس پر ہوا کہ تم کسی سے نہ ڈرو ٗ فقط مجھ ہی سے ڈرو۔
 
اس لیے آزاد اور  خود مختار خارجہ پالیسی ایک اسلامی مملکت کی اساس ہونی چاہیئے۔ یہ نہیں کہ کبھی امریکہ کے کہنے پر اردن پہنچ گئے اور کبھی صومالیہ
اور کبھی افغانستان تاکہ وہاں امریکہ کے دشمنوں کا صفایا کرسکیں۔ ایک مسلمان کی حیثیت سے یہ انتہائی شرمناک اور ذلت آموز امر ہے کہ وہ  ایک سپر پاور سے ڈر کر
اللہ سبحانہ و تعالی ٰ کے احکام سے سرتابی کرے۔آج ہم اسی ذلت اور بے غیرتی کی لعنت سے گذر رہے ہیں۔

                           محمد جاوید اقبال






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RE: [PF:170729] +18 Modern Madness... Horrible....move forward ONLY if u can see the first 2 pics..

Tuba
-----Original Message-----
From: Hayat Khan
Sent: 04/10/2012, 8:24 AM
To: undisclosed-recipients:
Subject: [PF:170694] +18 Modern Madness... Horrible....move forward ONLY if u can see the first 2 pics..


*Please do not watch if u r heart patient .*































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{Kantakji Group}. Add '11295' cybercrime hits middle east banks


 

 

 

Banking / IT Risk

published in capitalissues magazine found on capitalissuesonline.com

CYBERCRIME: A Nation-State Sponsored Trojan Hits Middle East Banking System Why Lebanon? Why banks? Stealing financial transaction data is shadowy

 


T

he Russian security research group Kaspersky Labs announced they had found a new computer virus infecting thousands of computers in the Middle East. Called "Gauss," after a filename found in its codebase, the malware can capture information about the infected computer, including Internet browsing histories, user login details, and system configuration details. The existence of Gauss suggests that countries may be using cyber warfare for more than just countering imminent threats, and that, with the rules of digital engagement so ambiguous, there's little to restrain or guide cyberwar's development.

Kaspersky Labs was blunt: Gauss, it says, is likely a "nation-state sponsored banking Trojan" built by the same programmers behind Stuxnet and Flame, the recent, sophisticated digital pathogens often  speculated as designed by the United States and Israel.  However, unlike these viruses, which both targeted Iran, Gauss appears to have a very different target: the banking system of Lebanon.

Gauss is the latest in a line of massive malware attacks, and much like its predecessors, it appears to be so complex and sophisticated that it's assumed to have been built by a sovereign state. Gauss uses the same platform as Flame, a "cyber espionage" program that was found in a number of locations in Iran in early 2012 and was capable of omprehensive surveillance of infected computers. Flame itself bore a strong family resemblance to Stuxnet, a 2010 virus that targeted the Iranian nuclear research rogram.

Like Flame, Gauss transmits detailed records of user activity back to its central command. Like Stuxnet, it carries a special encrypted "payload" that targets machines that carry specific system configurations. Stuxnet's payload would identify and disable nuclear research systems, but the encryption for the Gauss payload has not yet been broken, and its purpose remains unknown.

Researchers have found evidence suggesting the United States may have developed three previously unknown computer viruses for use in cyber warfare. Anti-virus software makers Symantec of the US and Kaspersky Lab of Russia say about a dozen computers in Iran and Lebanon are infected. The researchers say the malware fits the profile of military operations. The US has already been linked to the Stuxnet Trojan that attacked Iran's nuclear programme in 2010 and the Flame cyber surveillance tool that was uncovered in May. However, unlike Flame and Stuxnet, which targeted a rogue state's government networks, Gauss goes after the commercial sector in a country that has normalized relations with the United States. Out of more than 2,500 identified instances of Gauss, nearly two-thirds of have been found in Lebanon. And, unlike the broad spying capacity of Flame, Gauss seems designed for the narrow purpose of capturing transaction data from financial institutions and digital payment providers; specifically, Lebanese banks Fransabank, Bank of Beirut, BLOM, Credit Libanais, Byblos Bank, and EBLF, as well as siphoning data from PayPal and Citibank.

 

Why Lebanon? Why banks? Stealing financial transaction data is traditionally the province of, say, shadowy underground criminal gangs. Lebanon is a small country better known for its vibrant nightlife and perpetual domestic volatility. Neither its banking sector nor the state itself are obvious targets for the U.S. or Israeli ntelligence services, which, though they haven't been connected to Gauss, are the only groups with both the know-how and, if they truly were behind Stuxnet and Flame, the track record.

 

However, Lebanon's size belies its importance as a regional entrepôt and banking haven; its cosmopolitan libertarianism, along with old-world discretion, have long made the country a popular choice for foreign depositors of all profiles and persuasions.

These are not mere corner retail banks serving up loans, mortgages, and checking accounts to Lebanese citizens. They are among the most private banks in the world, bound by genteel conventions of secrecy long since abandoned elsewhere. Since 1956, domestic and foreign banks operating in Lebanon have been legally required to protect the names and assets of their clients from all inquiring authorities.

U.S. financial regulators, concerned with money laundering and terrorism financing, have long given special attention to the opacity and reach of the Lebanese banking system. A 2000 advisory by the U.S. Department of Treasury Financial Crimes Enforcement Network instructed all U.S. banks to "give enhanced scrutiny to all financial transactions originating in or routed to or through Lebanon." In 2011, the Lebanese Canadian Bank was shuttered after the U.S. revealed that the Lebanese militant group Hezbollah was using the bank to launder money from cocaine profits, Mexican cartels, and African conflict diamonds. This year, the entire national banking system has come under scrutiny, accused of assisting members of the Syrian and Iranian regimes evade international sanctions and launder money that's also being funneled to Syria's ongoing conflict. The Kaspersky researchers think that Gauss first made its way onto Lebanese computers in late summer 2011, as violence worsened in Syria and Iranian nuclear talks stalled. Without the decrypted contents of the Gauss payload, it's impossible to know the virus' full capabilities, but it's not difficult to conjecture a likely purpose. Gauss appears to be capable of tracing the flow of illicit funds through some of the region's largest financial clearing houses, offering its designers unprecedented access to data on how money flows and between whom, on organizational networks, and on funding sources -- a veritable intelligence bonanza for anyone who might have an interest in that sort of thing.

The past few years have witnessed a remarkable evolution in cyber warfare. Only two years ago, Stuxnet seemed like science fiction: it stunned researchers with its scale, sophistication, and the sheer resources that had apparently gone into its development. Its deployment has raised serious questions about computer science and ethics, but was otherwise hailed as a non-kinetic, non-lethal way to temporarily derail Iranian nuclear ambitions. Flame -- an American-Israeli espionage effort against Iran -- received a similar reception in the U.S. But Gauss appears to be quite different, and is an indication of the slippery nature of the rules of engagement for cyberspace. It raises questions about the difference between private and public targets, the potential unintended consequences of malicious code reaching beyond its intended targets, and the security of the global financial transactions system -- if the bank vault is indeed a line that states are now willing to cross. And although Gauss appears to be primarily for surveillance, it's possible that it could also be a weapon, as it contains an executable payload of unknown scope. Even if it's not, Gauss's potential as spyware and attack software blurs the line between cyber war and cyber espionage, and its use may fall under the rules of engagement for cyber warfare set out by the U.S. Department of Defense.

The rules primarily sanction reactive defensive actions, with executive approval required for a targeted cyber assault against an enemy. However, these rules of engagement are currently up for revision, with greater power for proactive defense among the proposals.

 

--

Maan Barazy

Certified Shari'a Adviser and Auditor (CSAA- AAOIFI Certified) - MA Islamic Comparative Jurisprudence  - BS International Economics 

Managing Partner And CEO of Data and Investment Consult-Lebanon – The Centre For Islamic Finance - Consultant Researcher and Lecturer


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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
 
 
 

{Kantakji Group}. Add '11294' the ARAB FINANCE HOUSE to be or not to be



-- Islamic Banking

EXCLUSIVE REPORT Looking for an exit scenario: the ARAB FINANCE HOUSE to be or not to be

published in capital issues magazine

online version:

capitalissuesonline.com

 


A new chapter in the story of the Lebanese based Arab Finance House Islamic Bank will be in the making next October as the Qatari largely dominated assets institution will be seeking a where about to its losses and its final shareholder identity on the Lebanese market .

 

Reportedly the bank has been suffering from acute losses following its subscription to different funds prior to the 2008 international financial crisis without getting clearance from the Central Bank of Lebanon nor the Banking Control Commission; Lebanon's financial sector's regulating authorities. To date the bank has seen the resignation of three general managers.


M

 

ore than 4 general directors holding key positions in the bank have been sacked; banking sources confirm also a capital flight from the bank. Different irregularities were also spotted in the bank's internal auditing book keeping; sources confirmed. The newly appointed General Manager and its deputy handed out their resignation in August due to the Qatari partners relunctancy to find a where about of the Arab Finance House monetary shortfall. Lebanese financial authorities will be looking for an exit strategy to the bank in the coming months to prevent a new distressed bank scenario; banking sources say.

 

There are 5 banks enjoying an Islamic license and operating under foreign restrictions in Lebanon out of 63 banks statistics show. They are all operating under foreign licenses. Beirut-based Lebanese Islamic Bank started offering Shariah-compliant services in 2005 after receiving the first Islamic banking license from the central bank, according to data on its website. Albaraka Banking Group BSC, the biggest publicly traded Islamic lender in Bahrain, Arab Finance House S.A.L. (Islamic Bank) - 70 percent owned by Qatar investment bank - and Blom Development Bank S.A.L. are the other three shariah-compliant banks in the country.

 


Arab Finance House-Holding Company was founded in Lebanon in 2003 with a capital of 60 million American dollars and a plan to raise that capital to 100 million American dollars within three years. The Company established two banks in Lebanon: the Arab Finance House commercial bank, and the Arab Finance House investment bank; the bank say on its website. Under the decree number 9494 of the Central Bank of Lebanon dated26/12/2006, the two banks merged to become the Arab Finance House SAL(Islamic Bank) holding the number 125 on the list of Banks (commercial register #1002082). The Arab Finance House is an Islamic bank, and subsequently all its investments and products are Shari'a compliant while remaining under the realm of Lebanese banking laws; the statement added.

According to banking sources Arab Finance House was not able to cover its losses from three real estate denominated funds which latest one is expected to mature end of October. Funds under obligation sold to customers amount to Usd 10mln. The first two funds which did not accumulate to Usd 15mln in value were covered last year.

The debacle of the Arab Finance House started as the old management under the patronage of ousted general manager Fuad Matraji bought Qatari three funds in order to boost profits of the bank. The first two were reimbursed from the bank's profits. Worth to be noted that QIB helped other non Lebanese based financial institutions holders of the funds to meet maturity from direct cash injections; but failed to do so in the Lebanese case because of the irregularities of the transactions. Irregularities in the Lebanese operation was mentioned as main reason for failing to do so.

The Arab Finance House real estate holdings in Lebanon are ripe; it owns a Usd 40mln valued headquarter as retail operations were profitable for the last years; enough to raise for investors appetite in the institution. Last year the Central bank of Lebanon opposed the turnover of the bank to a group of Lebanese investors and bankers because of confessional reasons; sources who asked for anonymity say. If Arab Finance House will be allowed to be liquidated; this move will cause a serious blow to the fragile Islamic banking practice in Lebanon.

More than 8 years have elapsed since the ratification of the law pertaining to regulate Islamic banking in Lebanon however this practice is still a rare commodity in the market. Although central bank sources disclosed that they working with a group of local lenders to amend a 2004 law that allowed the establishment of Shariah-compliant banks, the interest for Islamic operations is yet to be seen in a country where more than 60 pct of the population is Muslim. Islamic banks consolidated balance sheet amounts to a shy 1 pct total of Lebanon's total consolidated balance sheet. Liquidity management in Islamic banks is profitless because of different restrictions in the work of Islamic banking.

 

Funds investments

Arab Finance House fund investments were as follows:

 

Alareen Real Estate Fund

The project consisted of acquiring and developing a land with an area of 245,165 sqm in the suburb of Dahiyat Al Areen located 25 km south of Manama, Kingdom of Bahrain. Al Areen is a luxurious urban mixed-use health and family tourism development spread over an area of 2 million square meters, and is located on an elevated desert plateau in the southern region of the Kingdom of Bahrain. The core components of the development are the Banyan Tree Desert Spa & Resort and "The Lost Paradise of Dilmun" Water Park, In addition to the recently announced Al Waha resort at Al Areen and the Domina Hotel & Resort-Al Areen. The project will feature additional development to be announced shortly varying from residential, commercial, hospitality, recreational, and entertainment facilities, and its location is close to the F1 racing circus. The Global Banking Corporation, the asset manager, declared in July 2008 the closing of subscription in AlAreen Real Estate Fund with an amount of USD 130 million in a record time frame of six weeks.

 

Al Danat Real Estate Fund

The project consisted of acquiring a parcel of land measuring approximately 500 acres to develop an integrated middle-income township in the area of Hanspur within the boundaries of New Delhi, India with a strategically ideal location adjacent to three fast growing cities namely: Ghaziabad, Greater Noida and Noida. Khaleeji Commercial Bank, the asset manager, and Gulf Finance house, one of the most respected investment banks in the Middle East region in terms of quality and innovation of product offering with credit rating upgraded to BBB+ by Capital Intelligence, have developed tremendous experience in project establishment and management.

 

Marsa Alseef Real Estate Fund (Issue 1 & 2)

The project will acquire a parcel of land measuring approximately 2,400 acres to develop an integrated high income township in the Al Seef area located few miles away from Manama, Kingdom of Bahrain. The land is in the northern part of Bahrain with a strategic location very close to the Bahrain International Airport and the Saudi causeway. The project is a celebration of maritime lifestyle and one of the most exclusive and innovative waterfront projects in the Kingdom of Bahrain with expectations to become the premier waterfront city in the Arabian Gulf. Global Banking Corporation, one of the leading Islamic banks in the kingdom of Bahrain, is the investment manager, placement agent and financial advisor.

 

Options

Qatari investors have been reluctant to boost their investments in the Arab Finance House; basically because of the ill performance of the bank. Political tensions in the region as well as the new Gulf nationals travel ban to Lebanon doesnot make the matter easier; the sources believe.

The main problem in resolving the issue of revitalizing the banks' resources lies today in sharing losses with customers; sources say,

Today Qatar Investment Bank has three options to help solving the ailing bank debacle.

Buy a 30 percent Kuwaiti partnership in the bank and turn the bank to a full Qatari branch to its mother financial institution. However this option has been disregarded for now since the Kuwaiti counterpart has asked for a high market value to let out; sources added. Under this option the Arab Finance House will be run totally by Qatari partners. The Arab Finance House will thus lose its Lebanese banking operation permit and will be muted to foreign branches management regulations.

Manage a sell out of Qatari shares under the supervision of the Central bank of Lebanon will be one of the most favored options for the banks; experts believe. According to the sources the BDL can find potential partners to run the operation as it has already saved banks in similar scenarios.

On the top of all those priorities Qatar Investment Bank need to cover for losses of Usd 10mln in the maturing October fund. On either scenarios the bank needs a serious shake up and an increase of its capital from Usd 30 mln to Usd 100mln according to new requirements of the Banking Control Commission. Qatari investors will have to abide by this regulation if they will opt for continuity of their Lebanese operations.

It is yet to be seen whether Islamic finance is a profitable business in Lebanon. The ministry of Finance failed to propose different amendments to the Islamic banking practice in Lebanon; including real estate tax exemptions; and the facilitation of shares trading. The  Central Bank of Lebanon seems reluctant in the time being to introduce new specific measures to liquidity and reserve requirements that will help Islamic lenders to manage their liquidity; sources stated.

Reportedly the Central Bank of Lebanon commissioned the Association of Banks of Lebanon in a May 21 2012 meeting to intervene with Ministry Of Finance officials to amend certain laws which prevent the development of Islamic finance here. The Central Bank governor Mr Salameh reportedly asked the Association to mediate with ministry officials to introduce laws that will help Islamic institutions to profit from the government program of subsidized loans; be exempted from direct taxation on their Murabaha transaction and be exempted from VAT.

Issuing Islamic denominated debt instruments directed to the public sector financing needs will have certainly helped Islamic institutions to invest their liquidity. Lebanon, which is a regular issuer of non-Islamic bonds doesn't plan to issue sukuk, especially if the transaction has to be backed by assets, as it will require a law that allows the state to pledge public assets

It was not until 2004 that Islamic banks were given authorization to operate in Lebanon. Under a law – law number 575 dated February 11, 2004, and supplemented by two circulars dated August 30, 2004 – the Central Bank of Lebanon set the regulatory framework for Islamic banking in Lebanon

 

AFH or Islamic banking to be or not to be?

Aside from the Arab Finance House debacle experts believe that Lebanese political authorities need to push harder for a ratification of different laws that hinges on islamic banking practice in Lebanon. It is true that the banking sector has accumulated buffers but is facing an increasingly challenging environment. Thanks to prudent management and conservative regulation, banks report capital above the regulatory minimum, high liquidity buffers, low levels of nonperforming loans and stable profits. However, the recent expansion cannot be left to conventional banking alone as more international banks are exposed to the heightened risks from the regional turmoil.

Further conventional banks stability is tied up to an economy which is becoming more resilient in recent years thanks to a marked reduction in the government debt-to-GDP ratio and a build-up of large foreign reserves. Islamic banks are suffering from higher risks in the market than their peers. Most income of banks is drawn out of subscribing to the government issued treasury bills; a source of net interest income they cannot afford the luxury to abide with.

 Also banks have to comply with new solvency regulation of Basle III and decisively, comply with requirements, restore their profit-generation capacity, and potentially revisit the way they do business in the future. The minimum Tier 1 capital requirement will increase from 4 per cent to 6 per cent under Basel III. These new requirements will also be phased in by 1 January 2015, with the phase-in period beginning on 1 January 2013. The minimum total capital requirement remains at 8 per cent under Basel III.

 

Cross Border expansion

Given local market exiguity, Islamic banks cannot as their peers embark on cross-border expansion which was a wise move in terms of market risk diversification and which proved to be a profitable enterprise in more cases than not. 

However, one may regrettably have to wonder now about the magnitude of the impact of the regional turmoil not only on the revenues from off shore operations but on the soundness of the loan portfolios themselves, especially in the absence of sufficient transparency regarding the nature and the quality of the upstream scrutiny process applied to these loans and transactions. 

 

Credits Subsidies

Islamic banks also fall short of benefitting from a subsidized interest rate on their credits.  The subsidized interest rate is funded by the Lebanese Treasury and managed by the Central Bank; it favors industry, tourism, agriculture, craft industry and high technology The loan amount: varies between LBP 50 million abd LBP 15 billion. The subsidized interest rate is calculated as 7pct % on the first share of LBP 5 billion and 5pct % on the remaining amount The subsidy stretches over a period of  7 years and has a grace period from  6 to 24 months interest rate in LBP with a maximum for the  2 years Treasury bills at + 1% Repayment modes should not exceed a maximum of 15% of the capital during the first 2 years. There is no refunding for such subsidies neither funding for working capital nor funding for equity participation or funding for working capital requirements or funding for debt restructuring plan; As the project has to be executed in Lebanon. Islamic banks also suffer from the lack of proper real estate collateral. Since they are considered as foreign enterprises they have to be included as a part of a 10pct foreign ownership quota of  real estate permitted to foreigners. 

Maan Barazy

Certified Shari'a Adviser and Auditor (CSAA- AAOIFI Certified) - MA Islamic Comparative Jurisprudence  - BS International Economics 

Managing Partner And CEO of Data and Investment Consult-Lebanon – The Centre For Islamic Finance - Consultant Researcher and Lecturer


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