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مرشد دا پیار

مُرشد دا پیار
(آنحضور قبلہ صوفی محمد اصغر سائیں آف جہلم والوں کی یاد میں جب آپ نے ہیڈ جالوالہ پر مور پالے ہوئے تھے )

موراں والیا سائیاں وے
تیتھوں جند کراں قربان
ہر دم تیریاں لوڑاں وے
توں ایں میرا مان تران

تیرے باہجھوں چین نہ آئوندا
ہر ویلے پیا دل گھبرائوندا
ویکھ لواں جے تینوں آئوندا
آوے میرے جثے جان

تیریاں راہواں پئی تکاواں
یاد کراں تے دل بہلاواں
بھلدیاں نہیں سجناں اوہ تھانواں
جتھے دلبر ملدے ہان

جس دم یار نے جھاتی پائی
میل دلے وچ رہی ناں کائی
بھاندے دل نوں بُوٹے کائی
جتھے وسدا بھٹی خان

تیرے موراں چال نیاری
ویکھو چلدے بنھ قطاری
جاندے نیں دل میرا ٹھاری
نالے دل میرا پرچان

موراں نوں میں چوگاں پاواں
نالے کر دی رہواں دعاواں
قادریؔ دی کرو معاف خطاواں
لکھ واری جاواں قربان

آزاد تجارت کے فوائد و نقصانات

On the one hand Islam espouses the notion of free trade, and on the other hand it frowns on state interference in trade. Developed and developing countries make head way freely in a free trading culture. This state of affairs buoys up the spirits of traders and inspires them to invest freely and lead to an economic upturn. Thus society flourishes. Foreign direct investment flows in a country from free trade. The scientificand technical expertise of industrialized countries is transferred to low income countries. Not only high quality products are available in abundance in the open market but also the moderation of prices is automatically established by the competition of business people. In this way, the free trading culture functions as a filtering device in the free market and,  without any artificial or external interference, discharges all the tasks efficiently from its own internal logic. Critics of free trade, on the other hand, demur the system fills the coffers of multinational corporations but suppresses the rights of workers,  locals and small industrialists. The real purpose of this system is to establish Western powers’ control over global resources. Taking advantage of the flexibility of the free trading culture,  traders artificially raise prices through monopoly and hoarding.

Customer Relationship Management in the Banking Sector of Pakistan

Thesis Title: Customer Relationship Management in the banking sector of Pakistan Banking sector all over the world facing immense competition and Pakistani banking sector is not an exception. It is an acceptable fact that acquiring new customer is more costly than retaining the existing customer. The researcher followed the same fact and developed the basic purpose of this research study, that is to discover the major factors that affect customer loyalty, which is a focus of Customer Relationship Management (CRM) for overcoming high competition in the banking sector of Pakistan. Although there are many aspects of Customer Relationship Management (CRM) in the banking sector, this research study focuses on its customer part. Understanding customers is the key to success of any bank. Banks having an in-depth understanding of their customers develop a better competitive edge over their competitors. The major focus of CRM is to not only to acquire new customers but also to retain the existing ones. This research study will help banks to build customer loyalty. Every bank tries its best to acquire and retain their customers but due to increased competition and rapid improvements in technology, customers have quick access to thousands and thousands of products and services. The researcher collected data from customers of banks with the help of questionnaire and for doing demographic, correlation, and regression analysis used SPSS software version 16.00. After detailed analysis and discussions, results of this research study indicate that identified factors do affect customer loyalty and their relationships with each other vary from bank to bank. These identified variations can help banks to overcome their existing weaknesses to develop better customer loyalty strategies. The researcher identified factors of trust, perceived value, satisfaction, switching barriers, and culture that affect customer loyalty. After measuring relationships of these factors with each other, researcher responded to this research study`s questions and hypotheses and developed a customer loyalty model for the banking sector of Pakistan for the mutual benefits of customers and banks. Furthermore, this research study`s findings and recommendations contributes towards improvement in existing customer loyalty strategies of banks. The researcher would also like to mention here that there is hardly any research study in Pakistan that has seen the affects of customer culture and customer trust on customer loyalty as the results of this research study indicate that these factors affect customer loyalty in the banking sector of Pakistan.
Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

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