Summer Vacation Extention

This news was published in daily express Lahore on 14 August.
According to the latest news Govt. of Punjab has decided not to extend the summer vacations. Schools has opened from 15 Aug 2011 although students presence is very low even none.

Insurance and Islam By Mufti Siraj Desai

In the Name of Allah, Most Gracious. We Praise Allah and send Special Durood and Choicest Blessings on His Noble Messenger, and upon the illustrious family and Companions of the Messenger.

This article outlines briefly the Shari’ah ruling on Life Insurance.

Insurance of any type is basically the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba or interest and riba is forbidden in the Qur'aan, in many verses. Riba is giving a fixed sum of money in return for a greater sum without running any risks, nor involving any physical work or service. This definition is found in insurance. Furthermore, insurance also comprises the principle of gambling, which is also Haraam according to the Qur'aan:

“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al‑Ansaab (stone altars for sacrifice to idols etc.) and Al‑Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan's (Satan's) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa'idah 5:90) All kinds of insurance are kinds of playing with chances. One never knows when and how much one will earn from an insurance payout. As in gambling, when a bet is placed, one is never certain as to the amount of money to be paid back, likewise in insurance one is not sure of the payout.

All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh Ahaadeeth, such as the Hadeeth narrated by Abu Hurayrah (may Allah be pleased with him):

“The Messenger of Allah (peace and blessings of Allah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).

[“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment.

All forms of commercial insurance are based on uncertainty of the most extreme kind. It may be argued that life insurance is different in the sense that death is certain for every human being. Our answer would be that while the occurrence of death is certain, its exact date is not known and this is enough to render the policy Haraam. The hadith prohibits fixing payment for an item “on the day a certain person arrives”, The arrival of that person is certain, yet the transaction is not valid because his exact date and time is uncertain.

Islam has awarded human life great prestige and honour. It is contrary to Islamic teaching to dishonour human life by subjecting it to monetary value and commercial interests. Hence from this angle too, life insurance is not permissible.

If a person had, out of ignorance, taken out a policy and was paying premiums then it is only permissible for him to take back whatever he had paid in premiums, and not permissible to use the excess which the insurance company normally pays out. Such money is Haraam and must be given out to charity as a compulsory measure.

Islam and Health Insurance

Praise be to Allah who is the Lord of the all the things and places; and may His blessings and peace be upon our Prophet Muhammad and upon all his Family and Companions. In brief, the medical insurance is forbidden since it includes high risk, aleatory interest and gambling. Therefore, any kind of commercial insurance is not allowed. On the other hand the cooperative insurance is lawful. Due to the above facts you are not allowed to have any medical insurance willingly. If you are forced to apply for such insurance and an amount is taken from you, in this case you have to take only the same amount that was taken from you. It is also permissible to use trickery or even forgery to escape from the insurance or to get your right if there is no other lawful way. As for the "fringe benefits", if the authorities consider them from insurance then you should take only the amount that is equal to the amount that was deducted from your rights. If they allot fringe benefits as gifts or bonus then it is permissible to use them. Allah knows best.

Onlie payslips Punjab Govt. Servants

Punjab Government had started to publish Government's Servants Pay Sips online. After some time there was break in this regard. Now PIFRA has started to issue payslips through Email. To register your self to get payslip in your email inbox. Click Link Below:

Male Employees

Female Employees
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Lecturer Jobs in Govt. Collages of Punjab

Government of Punjab is advertising jobs over 1250 male and 1160 female lecturers in Govt. Colleges of boys and girls of Punbjab in the subjects of English ,Urdu ,Islamic Studies, Pakistan studies, Chemistry, Physics, Botany, Zoology, mathematics, Punjabi, Saraiki ,Economics, stats, Library Science, Persian, Education,commerce ,Arabic , Sociology, by August/September 2011. Jobs will be advertised by Punjab Public Service Commission. It is being said that a subject test will be conducted through NTS (National Testing Service) for short listing the candidate. Currently jobs are in up coming job list of PPSC Lahore. For updates please visit this page regularly

JOBS OPPORTUNITIES

PROJECT MANAGER , SECURITY MANAGER , SUPERVISOR (CIVIL-STRUCTURE) , SUB ENGINEER (CIVIL-STRUCTURE) , SURVEYOR (CIVIL-STRUCTURE) , SITE ENGINEER (CIVIL)

SCHOOL STAFF REQUIRED

VICE PRINCIPAL (FEMALE) , PROGRAMME AND ACTIVITY CO-ORDINATOR (MALE/FEMALE) , P.R.O. (FEMALE) , INCHARGE STUDENT AFFAIRS (FEMALE) , PRINCIPAL SECRETARY TO PRINCIPAL (FEMALE) AND SUBJECT SPECIALIST

Punjab Govt Servants Online Pay Slips

In keeping with its mission of maximum Public Convenience, the Office of the Accountant General Punjab has taken another major initiative towards public facilitation and better service delivery. Monthly Payslips of Punjab Provincial and District Govt. employees are now available online at AG Punjab's website.These payslips can be viewed or printed by the employees.This new facility will allow govt. servants to access their monthly payslips at a click of a button and will save them the hassle of pursuing clerks and personal visits to AG office.
Please Click here

Male Employees

Female Employees

Carrier Opportunity: Punjab Information Technology Board

Application are invited for following posts on contract basis.
01-Joint Director (E-Government Applications)
Age:45years
Qualification:Master degree of Electrical Engineering or related
Experience:Minimum 10 years of relevant work.

02-Product specialist (CRM)
Age:35 years
Qualification:Master degree of computer science Electrical Engineering or related
Experience: Minimum 3 years
03-Product Specialist (ERP)
Qualification: Master degree of computer science / Electrical Engineering / Information Technology

FEMALE LECTURERS REQUIRERD

Job Opportunities

Windows7/Vista Boot From USB: Wonderful

Have u ever faced problem that laptop's DVD ROM Drive is not workink and your windows has stop to work. Try to install Windows7 or Windows Vista with USB Flash Drive. It is really amazing and so much fast. Win7 / Win Vista takes only 15 minutes to install. 4 GB Kingston is best for it. Make it bootable. Insert the Falsh drive into usb port. Start command prompt with administrator privilege.Copy all data from usb stick otherwise data will be destroyed. Write these commands on black screen windows:

disk part
(disk part will be started)
select disk 1
(disk 1 is usb stick. If you have more than one hard drives or usb drives than it can be different.)
clean
make partition primary
select partition 1
active

Than format usb either with windows interface or in command line interface.

After performing these tasks copy windows's file to the usb with the help of any PC attached with DVD ROM Drive. Now insert the usb int laptop / Computer where you want to install the Windows. Boot adopting option USB HDD or USB Stick boot. Install Windows just in 15 minutes and enjoy. If you face any difficulty, please feel free to write comments

Punjab Govt. Servants Online Pay Slips

Punjab Government has started to publish Government's Servants Pay Sips online. To view your pay slip you have to enter your personal# as user name and Date of Birth as password.