IUB Journals (Islamia University of Bahawalpur)
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Exploring the Drivers of Pension Fund Growth: An Empirical Study of Direct and Indirect Factors in OECD Economies
No full textPurpose – The purpose of the study is to investigate the relationship between pension funds’ growth and macro factors like dependency ration, replacement rate, average wage, working wage etc. The study aims to demonstrate the variation observed in behavior of these factors in high and low growth-oriented OECD countries and helps to have better understanding of the macro factors to support huge asset holding financial sector of OECD economies.
Design/methodology/approach – To bring out the core macro factors determining pension fund growth hierarchical regression technique was used on dynamic panel data model to check the individual significance of included variables in the model progressively and for this purpose R2-change was observed.
Findings – The study explores that OECD economies behave differently on the bases of their growth perspective i.e. Average Age, Working Wage, Personal Income Tax and Inflation are positively contributing to pension funds in HGO economies and negative in LGO ones.
Originality/value – The approach used in the paper could be of practical benefit to policy makers and data analysts of OECD pension funds departments in their decision-making regarding pension fund management and core determinants behind it. The macroeconomic factors used in the study have been identified by going through a literature survey of research carried out in various economies. Therefore, the study could be applicable in different economies at a time for a cross-country analysis of pension funds growth
الإبتكارات الأدبية في كتابة السيرة الذاتية: الأساليب، والخصائص أنموذجا: Literary Innovations in Writing a Biography: Methods and Characteristics as a Model
No full textThe research aims to discuss the literary innovations in writing a biography its methods and characteristics. Autobiography is a form of literature. The art of autobiographical writing is an ancient type of literature and has undergone changes over time because the Arabs knew this art in the pre-Islamic era as well. This means that this art is not new to Arabic literature but rather a well-known type of Arabic literature. The research examines the art of writing autobiography in Arab history and traces its origins to the ancient Arab customs and traditions. There are several examples of autobiographies in classical Arabic literature that shed light on the art of writing autobiography in Arabic literature
ملامح الجهد المتواصل في السيرة الذاتية لفدوى طوقان: Features of Continuous Struggle in Fadwa Tuqan’s Autobiography
No full textThe purpose of this research paper is to study the hardships and difficulties encountered in the life of the famous Palestinian writer and poet Fadwa Tuqan and her continuous struggle which she mentions in her autobiography. An autobiography is a self-written life story. It is different from a biography, which is the life story of a person written by someone else. Reading autobiographies may be more interesting than biography because you are reading the thoughts of the person instead of someone else’s interpretation. Fadwa’s autobiography combines her literary, historical, social and political aspects in which protest poetry appears as a prominent form in her poetry. This study focuses on exploring the breaking the taboos of family oppression as well as colonial practices and political repression and the constant quest for freedom and freeing oneself from the social confinement of a male dominated society. Tuqan works reveal her inner work as she struggles with personal conflicts over many things, and she try to get rid of them and succeed in doing so. This paper consists of a preface, two sections and a conclusion. The 1st section gives brief introduction of Fadwa Tuqan and the 2nd describes her continuous efforts and struggles which she describes in her autobiography.  
Unlocking E-Commerce Potential in SMEs: The Role of National, Organizational, and Industry Readiness
No full textThe study explores the determinants of e-commerce adoption by small and medium-sized enterprises (SMEs) in Pakistan regarding organizational, industry, and national readiness, the mediating role of perceived strategic value. This was done with a quantitative study utilizing structural equation modeling (SEM) to test the hypothesized conceptual model by using the data obtained in a sample of SME managers. The results show that the three dimensions of readiness have significant and positive impacts on the adoption of e-commerce, where national readiness plays the most significant impact. In addition, perceived strategic value was discovered to privately moderate the interrelations between organizational and national preparedness and e-commerce adoption. These findings illustrate the importance of managerial perceptions in converting readiness to adoption choices and provide practical guidelines to make SME managers and policymakers in emerging economies more successful in establishing an environment of digital transformation
The First Rhymed Translation of the Holy Qur'an in Hindko: An Analytical Study: ہندکو زبان میں قرآن مجید کا پہلا منظوم ترجمہ: ایک تجزیاتی مطالعہ
No full textThis research article presents a linguistic and intellectual analysis of the Hindko poetic translation of the Holy Qur’an by the renowned poet and scholar, Abdul Ghafoor Malik. The study situates the translation within the broader historical and literary context of the Hindko language, aiming to understand its impact on religious expression in a regional linguistic framework. The article begins by outlining the historical development and cultural relevance of the Hindko language, thereby establishing a foundation for assessing the Qur’anic translation’s reception and significance.
It further explores the tradition of poetic translations of the Qur’an in Islamic history, shedding light on how, across different eras, the meanings of the Qur’an have been conveyed through verse in various languages. The paper also examines the Islamic legal discourse concerning the permissibility and limits of rendering the Qur’anic text into poetry, with reference to classical jurists and contemporary scholars.
Through a critical linguistic analysis of Malik’s poetic style, diction, rhythm, and semantic clarity, the article highlights the effectiveness of conveying the Qur’anic message in Hindko. The findings reveal that this translation not only enriches the religious and intellectual heritage of Hindko literature but also serves as a distinguished example of local-language Qur’anic understanding. It also illustrates that while religious writing in Hindko has historically been limited, Abdul Ghafoor Malik’s work represents a significant milestone.
The study recommends the promotion of Qur’anic expression in regional languages like Hindko and calls for further scholarly exploration in the domain of vernacular religious literature. It also suggests incorporating such translations into the curricula of religious seminaries and universities to strengthen grassroots comprehension of Islamic teachings
طرق التزکیة في عصرنا الراھن لطلبة العلم وعامة الناس في ضوء الكتاب والسنة: Methods of Purification in Current Era for Students and General Public in the Light of Qur’an and Sunnah
No full textThis study explores contemporary methods of self-purification (Tazkiyah) for students of religious knowledge and the general public in light of the Qur’an and Sunnah. It examines the significance of spiritual purification as a fundamental principle in Islam, emphasizing its necessity in an era overwhelmed by distractions and moral challenges. The research delves into the role of the heart and soul in achieving self-discipline, highlighting how internal purification leads to overall righteousness and success in both this world and the Hereafter. It further discusses the impact of modern distractions such as social media, unethical content, and materialism, which obstruct spiritual growth. The study presents practical approaches to self-purification, including adherence to daily prayers, seeking beneficial knowledge, avoiding negative influences, and maintaining self-discipline through remembrance of Allah and ethical conduct. Drawing from Islamic scholarship and prophetic traditions, the research provides a comprehensive framework for fostering spiritual well-being in contemporary society. This study contributes to the ongoing discourse on ethical and spiritual development, advocating for a balanced approach that integrates religious teachings with modern challenges
خوراک کی اہمیت اور اس کی حفاظت: تعلیمات نبوی کی روشنی میں تحقیقی جائزہ: The Importance of Food and Its Safety: A Research Review in the Light of Prophetic Teachings
No full textFood is one of the fundamental necessities of human life, not only serving as a means of physical survival but also influencing health, character, and spiritual well-being. As a comprehensive code of life, Islam provides clear guidance on all aspects of human existence, including the ethics of food consumption and preservation. The Prophetic teachings (Sunnah) of the Prophet Muhammad ﷺ offer profound insights into the responsible and balanced use of food. This research article aims to analyze the importance of food, the etiquettes of its consumption, the condemnation of extravagance, and the emphasis on its protection and preservation as reflected in the Ḥadīth literature. It explores various dimensions of the Prophet’s ﷺ guidance, such as moderation, gratitude, avoidance of wastage, and respect for leftover food to present a holistic Islamic perspective on food ethics. Moreover, the study attempts to contextualize these teachings in light of contemporary global challenges such as food insecurity, wastage, and environmental concerns. This research seeks to highlight the moral and social responsibilities that Islam places on individuals and societies to ensure sustainable and ethical food practices
منتخب اردو کتب میں منعکس اخلاق نبوی: ایک موضوعاتی وتجزیاتی مطالعہ : Prophetic Ethics as Reflected in Selected Urdu Works: A Thematic and Analytical Exploration
No full textThis article deals with the concept of Akhlaq-e-Nabawi (Prophetic Ethics) based on selected Urdu literature. The moral conduct of Prophet Muhammad (PBUH) holds a central place in Islamic thought, as emphasized in the Quran: “Indeed, you are upon the highest standard of character” (Al-Qalam: 4). The article highlights the significance of prophetic ethics and the extensive documentation found in Urdu literature, which serves as a crucial source for understanding this aspect of the Prophet’s life. The study presents an annotated bibliography of key Urdu works on Prophetic ethics, spanning classical texts to contemporary writings. Selected publications are studied based on their structure, content, methodology, and scholarly contributions. Notable works such as Akhlaq-e-Rasool by Ikhlaq Hussain Qasmi, Akhlaq-e-Muhammadi by Saeed Ahmed Farooqi, and Akhlaq-e-Nabawi compiled by Hakeem Muhammad Saeed are critically examined. The article explores the moral, social, and political dimensions of the Prophet’s ethics, addressing core values such as truthfulness, justice, compassion, and humility. By reviewing these Urdu writings, the study contributes to the understanding and dissemination of Islamic ethics, encouraging contemporary scholars to explore further this essential aspect of Seerat-un-Nabi (Prophetic Biography)
EMPOWERING YOUTH THROUGH TVET: AN EVALUATION OF SKILLING YOUTH FOR INCOME GENERATION TRAINING INSTITUTES IN PUNJAB
No full textObjective: This study offers a comprehensive evaluation of the Skilling Youth for Income Generation (SYIG) program, a public initiative for skill development managed by the Punjab Skills Development Fund in Pakistan. Research Gap: Although investments in technical and vocational education are increasing, there is limited evidence on how institutional structures and the provision of services influence training results. Design/Methodology/Approach: The study presents a thorough institutional analysis of the SYIG program's training institutes, examining their governance structures, funding mechanisms, and stakeholder coordination. It also evaluates the quality, relevance, and accessibility of the training programs to assess their alignment with industry standards, learner needs, and goals for equitable access. The in-depth analysis was conducted through focus group discussions and key informant interviews with training service providers (TSPs), government officials, policy experts, and employers. The Main Findings: Content analysis reveals that though SYIG has effectively engaged marginalized groups, promoted demand-driven trades, and maintained transparent governance, its overall impact faces limitations due to institutional, financial, and operational challenges. Theoretical / Practical Implications of the Findings: The To develop into a comprehensive workforce platform, SYIG needs to implement a long-term, politically neutral skills roadmap backed by steady funding, district-level job market assessments, and stronger ties with industry. Important reforms may involve updating training content to emphasize practical and soft skills, improving trainer qualifications, and redesigning the funding system to balance costs with quality. Increasing access for women, rural communities, and people with disabilities, along with better placement services, certification reforms, and employer collaborations, is vital for improving employment outcomes
الأسلوب المقاصدي عند الشيخ يوسف القرضاوي: دراسة تحليلية في فكره الدعوي
No full textThis research explores the purposive approach in the missionary thought of Sheikh Yusuf al-Qaradawi, a method that connects Islamic preaching with the overarching objectives of Sharia while maintaining a conscious awareness of societal realities and modern transformations. It highlights al-Qaradawi’s adoption of a balanced methodology that integrates religious texts, intended purposes, and contextual jurisprudence, enabling him to deliver a flexible and balanced discourse capable of addressing contemporary Muslim concerns. The study focuses on the key objectives that shaped his preaching, such as preserving religion, refining the soul, establishing justice, promoting ethics, achieving benefit, and preventing harm. It also illustrates how this approach manifested in his writings and lectures through facilitation, moderation, dialogue, and contemporary scholarly effort. Ultimately, the research concludes that al-Qaradawi’s purposive method represents a significant model in missionary studies, as it goes beyond understanding legal rulings to grasp their deeper objectives and spirit, offering an accessible and constructive message that responds to human needs in today’s world