better light a candle than curse darkness

from the editor

Islamic Banking and Finance:
A Proximate Possibility?

The great economic recession that we hear and experience today has probably taken the lives out of many of us. News of economic crunches, layoffs, low productivity, and increasing prices are becoming common and widespread with each passing day. To the extent that the once affluent IT sector is now under a grievous threat of existence. Some experts have even gone to the extent that they are comparing this recession with the Great Depression of 1930-40, following the Industrial Revolution. What has brought about this great recession? Experts in economics say that recession is a cyclic phenomenon that touches the world economy at regular or irregular intervals. The extent varies depending upon various parameters of global economics. They fail to realize that it is an imbalance in the laws of nature that causes it.

Almost all major industrial sectors have been badly hit by recession, IT sector being the most affected of all. Banking and financial sectors are next in line. Except for one sector, which has probably seen an upward swing – Islamic Banking and Finance. As a single instance, HSBC-Amanah, the Islamic Finance wing of HSBC operating in the UK has registered an increase of almost 209% in its saving deposits, and about 60% increase in home finance products since January 2009 [Data from Islamic Finance News- www.islamicfinancenews.wordpress.com]. Islamic Development Bank estimate that the Islamic financial services industry worldwide, including banking assets, may grow to US $ 2.8 trillion by 2010 from US $ 1 trillion at present (an increase of almost 180%). The potential of Islamic Banking and Finance has also been reinforced by Indonesian President Susilo Bambang Yudhoyono, who states that it has all the more potential to cope with crisis and economic slowdown that we are witnessing today. It does not leave any doubt that probably Islamic Banking and Finance would be at a promising and flourishing edge by the time the present recession subsides. The primary reason for this is that Islamic Banking is based on interest-free financial activities. The present recession has been initiated and fuelled by the huge amount of virtual plastic money in circulation, resulting from interest-based financial activities.

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It is something similar to accounting for a virtual entity when it does not actually exist in reality. This is what I meant by an imbalance in the laws of nature. However, in case of Islamic Banking, only the real tangible value of money is considered, which implies that we account for only what we actually have.

If losses happen, an Islamic Bank would probably be better prepared to counter the same, as compared to a conventional bank. This comparative performance of Islamic Banks has motivated, and is continuously motivating various conventional banks to pry on the subject. To sum up – this economic recession has presented an opportunity in disguise for us!!

The big question is, are we ready to accept this grand opportunity? A difficult question, with an even difficult answer. Transitioning from an interest-based system to an interest-free system would not be an easy aspect. This is one domain that promises of vast scope in terms of research, analysis, and implementation. In addition, we need to look at the opportunity not from the religious angle alone; but from the professional angle as well. To elaborate, if we have an Islamic financial institution run by Muslims in India, and a reputed conventional bank such as HSBC or ICICI enters the arena, their professionalism and astute strategies would not take much to outwit the insipid competition. This domain calls for qualified personnel from amongst us to stand up and take charge. I take this opportunity through this editorial to encourage youngsters, students, and future leaders of our Community to take up this lucrative and promising domain as their career. I wish to end by this quotation:

“Let's not just succeed, let's get used to success. The Integrated Percept of Islam will rise; irrespective of whether or not you contribute. If you do not contribute, Allah has promised to nurture and foster others; who would surely be better than you…”

(Sharjeel Ahmad, sharjeel.ahmad@gmail.com)

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A solution…..

by S. Abdullah Tariq

Each of the groups (and there are others) has Khair (good things) in them. Tablighi jamat has the spirit of sacrifice and reaching the Muslim masses to call them to Masjid.

Jamat-e-islami has invaluable literature for the understanding and propagation of all aspects of deen. Ahle hadiths haves contributed in creating awareness against a blind following of "fiq'h schools" that was resulting in change of priorities in respect of hadith and fiq'h. The institution of deoband has a great contribution in spreading `Ulemas' and the schools of learning through every nook and corner of thr country. Brailvis has kept the candle of intense love of prophet (pbuh) alive. But all of them have their shortcomings too. People belonging to Tablighi Jamat need to give more importance to understanding of Quran than they have been giving. The members of Jamt-e- Islami need to give more importance to the field work than the seminars, big meetings and weeks they organize. Ahle-hadiths need to be more positive and softspoken in their approach and check the reactionary tendencies among their ranks. Deobandis need open up to the present day Knowledge in the foot step of the founder of Darul uloom, Maulana Quasim nanutvi who was very progressive. The brailvis need to eradicate such evils from their ranks which Maulana Ahmed Raza was dead against, like bowing to graves of saints and the gathering of women on graves.

But the biggest drawback of different Islamic group is their tendency to become a sect. The prophet(pbuh) had the unparalleled wisdom, vision, strength and capability under the direct supervison of almighty and he had a small geoghraphical area as his field of action. None of us is capable of his shoes' dust and we have the whole of world to cope with. Whichever individual or a group claims that it alone has the capability of bringing about an Islamic revolution, is deceiving itself. In the vast expanding world of knowledge and the earth becoming practically one place, specialization has replaced generalization. Today none can encompass all the spheres of even a single field. All the parts of a car viz. engine, chasis, wheels and body are vital. A car can not run without anyone of them. No car company in the world today can manufacture all the parts of its products but an integrated efforts of all these brings about a car running on the road. Every single product we use from a needle to an aeroplane needs a coordination of specialists of different departments for its existence. An ENT specialist does not attempt a bypass surgery of heart on a patient and physician sends one to a dentist when he develops a cavity in teeth.

Our Jamat should understand that every one of them can utmost become a department of Al- Jamaat.They should have a true brotherly feelings of cooperation and coordination to run Al-Jamaat. My advice to you is not to become a member of such group or jamaat which claim that it alone is perfect; at the same time you should always join and cooperate in those of their activities and our good for Islam and humanity.

Cooperate (with every one) in righteousness and piety. Help not one anther in sin and transgression (The Holy Quran 5:2). You can not become a master of Quran and sunnah overnight to judge between them but it is not difficult when a member of any one of them (or any other group) calls you to join or cooperate in a particular activity, take a little time to find out if it is good in the eyes of Quran and Sunnah. It will gradually increase your knowledge and perception and your confusion will slowly evaporate

From November 2000 Issue of Islamic Voice, Source:
http://www.islamicvoice.com/november.2000/dialogue.htm


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Publisher: biharanjuman.org


Chief Editor:

Sharjeel Ahmad, New Delhi

Editor:

Md.Shameem Ahmad, New Delhi

Graphic Designer:

Seraj Akram, Riyadh

Editorial Communication:

Email: bakhabar@biharanjuman.org

Feeback:

Email: bakhabar@biharanjuman.org



BaKhabar is your own News Magazine. Share your information and articles with community members...Editors






Publishers Note:

Bihar Anjuman does not guarantee the originality and accuracy of any information, interpretation, opinion, or view presented in this newsmagazine. The views and opinions expressed in this online magazine are strictly those of the author and do not necessarily reflect that of Bakhabar. Bihar Anjuman, however, reserves the right to edit any material submitted for publication for reasons of clarity and space.



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Dawah – Are We Wasting Our Precious Resources on It?
Part-2

by Shakeel Ahmad, shakeeluae@gmail.com

When we talk of Islamic Dawah (inviting people to Islam), what do we really invite them to? Surely, to the five pillars of Islam! What are these five pillars for? Nobody should doubt the importance of these pillars, which serve as a strong support-base for the building that the invitee will ultimately construct over these pillars. Are pillars, alone, enough, for a building – a contractor once told me he was not interested in executing building contracts because they have hundreds of items to do? Hundreds of items, but just a few pillars! Pillars of Islam purify us (faith or eiman, prayers, fasting, zakat, hajj, all of them are just for purification, and perhaps no more), build our character, and prepare us for carrying out the responsibilities of a Muslim. Only water can quench our thirst, and only Oxygen can keep us alive – that is the mechanism devised by Allah. Similarly, we can become capable of fulfilling our responsibilities, and delivering acceptable results, only when we purify ourselves through the five pillars of Islam. By any means, can these pillars alone truly justify the purpose of our existence?

Imagine an engineer who spends sixteen years in preparing himself, academically, to deliver some tangible products to the society, finally spends just praying and fasting, confining himself to a room, doing no work at all! Of course, zakat may not be due on him, nor is Hajj obligatory on him, because he does not earn anything. Are the resources of the society spent on preparing this Allah-fearing person, to bring about some good to the society, well-spent? He says this is the only way to bring him spiritually closer to the Almighty, and to purify him. I guess some of you would consider this as a subconscious attempt at committing suicide, since he will not even be able to earn a living for himself. There is, of course, no question of raising any offspring or earning a living for his family. Is he anywhere closer to the teachings of Islam? A Muslim is not allowed to live a life of seclusion, his spiritual closeness to Allah comes through the efforts he makes towards the zikr, prayers, fasting, giving away zakat (earn so that he may pay sadaqah and zakah), and do good deeds.

Will Allah not ask what we did in this world, other than worshipping Him [please check Quran, 17:36, for an answer]? In His Book of guidance (Quran) - the operations manual for technical people, like me, Allah commands us to race with each other in performing good deeds [Quran, 5:48].

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Throughout this operations manual, we are urged and commanded to do good deeds [e.g., in Quran, 2: 25, 2: 62, 2:82, 2:110, 2:215, 3:57, 3;172, 4;16, 4:124, 4:146, 4;149 …. - we have just covered four Surahs] - and this is apart from giving away part of our earnings in charity (sadaqah or zakat). We are urged to establish a system that can impart justice, promote peace, goodwill, and everything that is good, and stop all that is evil (Quran, 3;104, 3:110, 3;114). It is not difficult to understand, then, that the main purpose of purifying ourselves is to be able to follow God's operations manual - act honesty on its clauses (commandments), that is, implement them in our own lives and preach them to others. We can clearly see that the Dawah (invitation) includes inviting people to do good deeds, not merely to purify themselves by following the five pillars of Islam - that is, to make the best use of whatever talent, energy, strength, power, resources, etc., Allah has bestowed them with. Let's now turn to the question that has been raised in part-1 of this article: why is our Dawah ineffective (or, not as effective as that by others)? Before we try to answer this question, let's also keep this in mind that many of those who accept Islam mention that they do so not because of the actions of Muslims, but because of the inspiration and learning they receive from Allah's operations manual.

Don't we all believe in the axiom "actions speak louder than words"? The best way to make people understand is through action. For example, if I ask people to do good deeds, what would they understand as "good deeds"? If we do those good deeds as our normal way of life, and show them by way of examples, they not only understand the term easily, but also know that we walk our talk! If I ask my son to stop smoking because it is harmful, but continue smoking myself, would my words be effective? Is there an iota of doubt that my Dawah (invitation) to quit smoking would carry no impact, and would actually be a sheer waste of my time and effort (resources), unless I quit it myself (better still, if I have never touched a cigarette, myself)? That's one part – preventing what is evil. A more important part is doing something good. For example, if I ask my son to say Salam to whoever he meets, and I don't do it myself, would he internalize this and turn it into a habit? "Be the change you want to see in the world", Gandhi is believed to have said, and possibly learnt from the Quran:

How is it that you enjoin others to follow the Right Way, but forget it yourselves, though you read the Scriptures? Have you no sense at all? [Quran, 2:44]

Now, we invite others to Islam, areligion that focuses on spreading knowledge, but we hardly build quality academic institutions for that! Similarly, we invite others to Islam, a religion that focuses on caring for all human beings, but do not build quality hospitals, do we have a chance to be heard? If we invite others to Islam, a religion that focuses on helping every human being through charitable deeds , but do not have institutional mechanism to help the needy, the downtrodden, the oppressed, those under the burden of debt (please go through the examples of tribal areas, cited in Part-1 of the article), would people be ready to pay any attention to our preaching? If we accept that actions speak louder than words, we must also accept that people will be more attracted towards those who are known to deliver the best. In marketing terms, reputation or brand image will make the product sell much more easily. What about the poor products, then, or the manufacturers carrying bad reputation or poor brand value (even if they try to deliver a quality product)? Is it any surprise, then, that we are losing the race in the area of Dawah, as well?

Coming to how spending on Dawah may be a waste of resources, let's take the example of a person who manages to produce an electrical bulb which does not light up. Should we consider his efforts, and the resources that he spent on his work, as a waste or not? If he was the person inventing the bulb, his efforts may prove to be worthwhile at some point of time, in the future, but if a tested technology was available, along with an operations manual, and he did not use either of them, was it not a waste? Some brothers are tempted to produce the argument that results are not in our hands; therefore, we need not care for the outcome, rather continue with our efforts. If we agreed with the argument that results are not in our hands, what do you suggest? Should we continue to do whatever we do, in the shoddy ways we are currently doing? Suppose, I need to reach Chennai, and I hire a bullock-cart, do not buy a route-map to Chennai, start my journey towards the Himalayas, and continue with my sincere efforts to reach Chennai, will I ever be able to reach Chennai? Allah says, don't you have sense (Quran, 21:67)? Should we not seek knowledge, and learn the best ways of doing what we intend to do, before we start (Quran, 17:36)? Can we justify our role as the "best of the nations, raised for the benefit of mankind" (Quran, 3:110), by pursuing mediocrity? How long shall we remain deaf, dumb, and blind - are we void of wisdom (Quran, 2:171)? When shall we start applying our minds according to the Message of Wisdom (Quran, 3:58)?

Send your views to bakhabar@biharanjuman.org.



How to fight against Illiteracy

  1. Spread Islamic education; motivate people to read Qur'an with meaning.
  2. Spread the fact that caste system doesn't exist in Islam. All Muslims are equal in all respects except in terms of virtues. Inter-caste marriages must be encouraged.
  3. Spread the fact that to legalize the marriage, the groom has to give Mahr(gift) to his bride instead of demanding dowry from the bride's family. In addition, demanding dowry is totally Un-Islamic
  4. Ensure that in every marriage ceremony, khutba-e-Nikah is read in the regional language (such as Urdu) also. For this, the groom should specially arrange a mike and loudspeaker because this Khutba adequately describes the meaning and stature of marriage in Islam.
  5. People should be discouraged from spending lavishly in marriages.
  6. They should also be discouraged from including large number of people in the Barat party.
  7. The girl's family has to specially come forward to eradicate this evil from our society. They have to believe in Allah that it's He who governs our lives; therefore, they must turn down any prospective alliance based on dowry.

Md. Shamim, (Hazaribagh), IIT Kanpur, samidifferent@gmail.com.

_______________

- Encourage girls to go for formal and technical education.
- Establish organization to monitor and identify those who take or give dowry and advertise in newspaper.
- Imarat Sharia should black-list those who are involved in dowry transactions.
- Imarat Sharia should instruct to all Ulema not to conduct Nikah if there is dowry involved.
- Make people aware that dowry is strictly haram and how it's destroying the society.

Seraj Akram, Riyadh, serajakram@yahoo.com


Books: BaKhabar Recommends

  1. Islami Moashrat (Urdu) - A nice book to improve character
    Writer: Hafiz Salahuddin Yousef
  2. Asas-e-deen ki Tameer (Urdu
    Writer: Maulana Sadruddin Aslahi
  3. Mazaahiyaat - A nice book on Mazahiyaat (humour)
    Writer: Dr. Younius Butt
  4. Islam hi Hamara Intekhab kyon?
    Writer: Mohd. Hanif Shahid

Bakhabar Poll: Vote now

How can Indian Muslims get their political right?:

  1. Establish their own political party
  2. All Muslims must join politics
  3. Join any party collectively, but conditionally
  4. Keep away from politics; build strong social, educational and economic foundation
  5. Everything is just fine, as it is.

[Vote now @ http://bakhabar.biharanjuman.org/]


Poll Result of May 2009 issue

What is the main reason of backwardness of Indian Muslims:

  1. Partition of the country - 2%
  2. Lack of Leadership - 31%
  3. Illiteracy (lack of education) - 59%
  4. Government suppression - 6%

Prayers in Islam

by Gheyas Hashmi, hgheyas@savola.com

Dear Brothers & Sisters: Thanks to Allah Almighty that we have born in Muslim families and thereby we call ourselves believers (Muslims). In fact, a person merely born and brought up in a Muslim family or community can't be a true Muslim unless his whole life is a manifestation of what Islam teaches. We lack the characteristics and traits that make us true Muslims. The lacking of these traits can be attributable to the parents and guardians' ignorance and negligence in providing the necessary Islamic education and training to their children. Hence, we grow up in complete or partial darkness. Subsequently, all actions arising from us are contrary to Islam and its teachings

Man's activities, good or bad can be judged only in the light of Islam. That is why it is incumbent upon all Muslims, irrespective of their sects, to acquire Islamic education even if a great distance needs to be travelled. Due to the lack of this education, we have been lagging far behind of our duties towards Allah and the mankind. We have been ignorant of the importance of Islam's 5 pillars. The first is Tauhid that means, "Declaration of the unity of Allah and to believe in His Oneness, all His Messengers and Books". Immediately after this declaration, a man enters into the fold of Islam and is instantly required to act upon this declaration in his life. Salah (Prayer), the second pillar, is at forefront. It is only unconditional worship that makes us quite different from other religions. Otherwise, fasting, Zakat and pilgrimage are available in othe religions too in different forms.

My Brothers & Sisters: A man from Muslim family, with only an Isla name, can never be a Muslim without true belief in the unity of Allah, all H Prophets and Books and subseque application of its teachings in his lif Without its proper application a implementation, the belief becom futile. Most of us have such hallow belief that puts a question mark on our being a true believer. Allah says in Sura (Rum):

"Establish regular prayers, and be not among those who join gods with Allah"

Those who join Allahs with Allah are Polytheists. Do Salah and don't be a Polytheist. A Polytheist can never be given a place in the Heaven. One who desists from Salah is similar to a Polytheist, and hence, his fate may be alike. It is also authentically reported that our prophet (pbuh) said: "The difference between belief and disbelief is to stop Salah” ....To be continued.

Mr. Hashmi lives in Jeddah




Ideas of the month

Indian Muslims are crying hoarse, over their rights and solution for the main problems, for 62 years but still there is no ray of hope from any side. Why do we cry without any goals in sight? How long shall we rely on those who just treat us as vote banks? Is it not time to prioritise the targets and strive to achieve them? Why don't we think about our real problems and their solutions? Bakhabar strongly urges all intellectuals of the community to think about it and set a vision for next 25 years.

Do you carry ideas on any topic that you would like to share, or implement? Do not hesitate to express your ideas boldly, and frankly. This is the place where your ideas can take shape, and your dreams can turn into reality.

Send your views to : bakhabar@biharanjuman.org


Urdu Diary


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Best Quote of the Month

You sow a thought, you reap an action. Reap an action, you sow a habit. Sow a habit, you reap a character. Sow a character, you reap your destiny.


Fine Urdu Poetry Collection


urdu

Compiled by Seraj Akram



Khush Aamdeed @ Bihar Anjuman

Ayaz Ahmad Haidry, Current Location: Jeddah,Native Place: Muzaffarpur, Bihar Customer Service Engineer Mabani Steel L.l.C, Jeddah, KSA
ayaz.ahmed@mabanisteel.com

Anwer Hayat Khan, Mr. Anwer Hayat Khan of Patna in Khober; hayatmeridien@yahoo.com

Masroor Ahmad Mr. Masroor Ahmad of Patna in Dammam ahmad_masroor@hotmail.com

Gulam Rabbani Operation supervisor Alrashed Transport, Dammam; Gulam.Rabbani@alrashedTransport.com Website: www.alrashedtransport.com

Nasim Akhtar; Lecturer in King Abdulaziz University; nasimakhtar@email.com

Mohammad Iqbal Naim; HomeTown: Patna, Current Place of stay: Bangalore; Telephone no: 9980142058; Job Title: Oracle DBA; Email: naim.iqbal@gmail.com

"Zamir Iqbal" Home town: Kishanganj Current place of stay: Bangalore Contact telephone number: +91- 9008682682, Email: zsmile4u@yahoo.com


Anyone willing to accept this Challenge?

Can any one make software for Urdu Or urdu to be compatible with design software like corel, adobe illustrator etc.?

Can any one make a software of Hadith in different languages (at least, Arabic, English, Urdu) with explanation, and with reference to authentic sources, etc.? Let us know if you know of any existing software, write to bakhabar@biharanjuman.org, today.



How to be a Better Employee?

As an employee, we all spend a major part of our time working as per our knowledge and experience. The ever-increasing responsibilities that we shoulder on a day-to-day basis compel us to try and improve ourselves to be a better employee.

Here are some tips that I would like to share with you, which will guide you to become better employees:

  1. Know the mission. Align yourself with your company's goals and values. Prioritize your work based on the priorities of your boss.
  2. Be dependable. Do what you say you're going to do. Still better, under-promise and over-deliver.
  3. Project positive energy. Don't be the one to whine or criticize your boss or company. Be a motivator with a positive attitude. 4. Make your boss look good. Finish your work on time and with a high level of professionalism. Think about good ideas and execute them with the inputs from your boss and offer to take charge and implement them.
  4. Own up. Take the responsibility of your mistakes by focusing on what you've learned rather than what you've done wrong. For example, "I think this project could have been better if we'd gotten the group's buy-in early on," or "Next time I would talk more with the end-users up-front...”
  5. Be organized. Plan your next day before you leave for work. Rank your tasks by their urgency and importance, and make a point of completing at least the top two items on your list.
  6. Be punctual. Arriving for work or meetings on time (even early) shows you're enthusiastic, dependable, and able to manage your life effectively. 8. Be resourceful. Don't run to the boss with every question you have or setback you encounter. Think things through first. If you must report a problem to the boss, develop possible solutions to present.
  7. Broaden your horizons. Take advantage of company-sponsored training courses and volunteer for projects in areas outside your everyday expertise.
  8. Stay informed. Keep abreast of industry and company trends by reading trade journals and attending professional association events.
  9. Be trendy. Stay current with technological, legal and knowledge advances in your area. Upgrade your skills and learn new ones.
  10. Go beyond the call of duty. Take on added challenges, put in extra hours, and never use the phrase, "That's not in my job description.”
  11. Be a team player. Show your boss and co-workers you have their best interests at heart by being empathetic and offering to help out when they need it.
  12. Leave your personal life at the door. Using your co-workers as therapists not only hurts productivity; it damages your credibility and can contaminate your work relationships. Use office hours for work related issues only.
  13. Take care of your health. When you're run-down , productivity and ambition suffer - as does your image. Do regular exercise after office hours and keep yourself fit, after all… Health is Wealth.
... ... by Kaunain Shahidi, a freelance writer based at Buraydah, KSA. (Kaunaingayawi@gmail.com)

Rahmani-30 gets 100% results in IIT-JEE 2009

Patna: The first batch of Rahmani-30, the free coaching centre of IIT- JEE for Muslim students, has got 100% results in IIT-JEE 2009. Rahmani-30, established by Rahmani Foundation of Munger under the guidance of Mr. Abhayanand (ADGP), came into existence last year for Muslim aspirants of IIT-JEE. Rahmani-30 coached 10 students in the first batch who appeared in IIT-JEE 2009.

The results of IIT-JEE 2009, declared on 25th May, brought smiles on the faces of Rahmani-30 students, teachers and administration. All the 10 students of Rahmani-30 qualified for this prestigious exam in flying colours - a feat never heard of, in any Muslim circle arounf the world! MABROOK!!

Name of the Students:

  1. Shadman Anwar
  2. Md. Alishan Mustafa
  3. Naque Imam
  4. Md. Akram Saba
  5. Alique Ahmad
  6. Shahbaz Haider
  7. Saquib Mustafa
  8. Md. Abshar Alam
  9. Md. Haseeb Raza
  10. Nazish Alam



BaKhabar: A platform to Express

BaKhabar is your platform to express yourself, with quotes, articles, poems, shayaree, ideas, news and views, or comments regarding any article of BaKhabar. Readers are requested to send anything they wish to be published. We encourage and appreciate original contributions and ideas of our readers.

From the Doctor’s Desk

Contributed by Dr. Moiz Shamsh

DO YOU KNOW THE ROLE OF CHOLESTEROL IN YOUR BODY?

Knowing about the Cholestrol- the good and the bad is very important to your health.

The knowledge about the cholestrol can help you avoid heart disease later in life, because risk of heart disease increases as the blood level of bad cholestrol increases.

If you have high cholestrol, changes in your eating habit and other life styles should change, and if necessary, drugs can help you lower your cholestrol level.

HIGH CHOLESTEROL IS AN IMPORTANT CONCERN FOR EVERY ONE.

WHAT IS CHOLESTEROL?

Cholesterol is a substance that your body needs in order to make hormones and vitamin D, and that helps your body to process the fats you eat. It is known, hemically, as a LIPID.

Cholesterol levels are affected by a number of factors, including eating foods, with too much saturated fat for cholesterol , being overweight , physical inactivity, inherited health traits, and your age and gender.

When there is too much BAD cholesterol in the blood, the excess can build up on the walls of the arteries and cause a number of health problems. You need to be aware of your cholesterol levels, because if your HDL level is too low or your LDL or VLDL levels are too high, you may be on your way to developing heart disease.

PLEASE REMEMBER:
1-All adults 20 years or older should have their cholestrol checked at least once every 5 years.
2-You should have your checked more frequently if you are older than 45 (MEN) or 55 (WOMEN), or have a family history of high cholestrol.

HOW YOU CAN LOWER YOUR CHOLESTEROL?
1-Eat foods low in saturated fat, total fat, and cholesterol.
2-Eat foods high in starch and fiber (fruits, vegetables, breads, cereals, are considered bad cholesterol. grains, beans etc)
3-Exercise regularly
4-If you are overweight, lose weight.


Congratulations for GRAND success!

Bakhabar team congratulates Hammad Yousuf, son of brothet Rehan Yousuf (a very active member of BA), a student of IIS Jeddah, on obtaining the fisrt rank in the kingdom, with 95.4% in the 10th Grade CBSC Exam and Ms Sumayia Zafar daughter of Brother Zafar Alam ,(also a very supportive and active member of BA) who passed XII (Science) with 82.5% .

Congratulations to Samreen Naz, daughter of Shakeel Ahmad,from Samastipur, living in Dubai, on securing 90.4% marks in ICSE (10th Board). She was a student of The Modern High School, Dubai.

Congratulations to Sania Zeya, daughter of Ziaul Hassan, active member of BA, in Abu Dhabi, on securing 94.4% in CBSE (10th Board). She was a student of Indian High School, Abu Dhabi.

Congratulations to Shabi Hashmi for PhD from UK

Shabi Hashmi (shabihashmi@yahoo.com) comes from village Basant of Darbhanga Distt. Graduated with B.Tech from AMU in 2001 and pursued MS from Germany on a scholarship from the German conglomerate Siemens. After working with Philips Technology Center in Germany for around 1 year, moved to UK in October 2005 for a PhD, in radio electronics, with sponsorship from UK govt and Nokia Networks Finland. Received accolades from London Diplomatic Science Club and was one of the winners in the IEEE MTT-11 contest 'Originality and Creativity in Microwave Measurements' held in Atlanta, USA in June 2008. Towards the end of the PhD, received the prestigious ARFTG Microwave Measurement Fellowship. He is only the 7th in recipient in the last 32 years. Completed PhD formalities in April 2009 at Cardiff University

Indian Parliament Election 2009


Muslim winners of Election 2009

No. State Constituency Muslim Candidat Party
1 Andhra Hyderabad Asaduddin Owaisi Ittehadul Muslimeen
2 Assam Dhubri Badruddin Ajmal Assam Un. Dem. Front
3 Assam Barpeta Ismail Hussain Congress
4 Bihar Kishanganj Mohd. Asrarul Haquei Congress
5 Bihar Begusarai Dr. Monazir Hassan Janata Dal (United)
6 Bihar Bhagalpur S.Shahnawaz Hussain Bharatiya Janata Party
7 J. & Kashmir Baramulla Sharief Ud Din Shariq National Conference
8 J.& Kashmir Srinagar Farooq Abdullah National Conference
9 J.& Kashmir Anantnag Mirza Mehboob Beg National Conference
10 J.& Kashmir Ladakh Hassan Khan Independent
11 Kerala Malappuram E. Ahamed Muslim League
12 Kerala Ponnani E.T. Muhd. Basheer Muslim League
13 Kerala Wayanad M.I. Shanavas Congress
30 Lakshadweep Lakshadweep Mohd.Hamdulla Sayeed Congress
14 Tamil Nadu Vellore Abdulrahman DMK
15 Tamil Nadu Theni Aaron Rashid.J.M Congress
16 Uttar Pradesh Kairana Tabassum Begum Bahujan Samaj Party
17 Uttar Pradesh Muzaffarnagar Kadir Rana Bahujan Samaj Party
18 Uttar Pradesh Moradabad Mohammed Azharuddin Congress
19 Uttar Pradesh Sambhal Dr. Sh. Rahman Barq Bahujan Samaj Party
20 Uttar Pradesh Kheri Zafar Ali Naqvi Congress
21 Uttar Pradesh Farrukhabad Salman Khursheed Congress
22 Uttar Pradesh Sitapur Kaisar Jahan Bahujan Samaj Party
23 West Bengal Maldaha North Mausam Noor Congress
24 West Bengal Maldaha South Abu Hasem Khan Ch. Congress
25 West Bengal Murshidabad Abdul Mannan Hossain Congress
26 West Bengal Basirhat Sk. Nurul Islam Trinamool Congress
27 West Bengal Uluberia Sultan Ahmed Trinamool Congress
28 West Bengal Burdwa -Dur Sk. Saidul Haque CPI (Marxist)
29 West Bengal Jadavpur Kabir Suman Trinamool Congress

Gulam Nabi Azad and Farooq Abdullah are Cabinet Ministers. However, Sultan Ahmad, Salamn Khursheed
and Muhd. Basheer are Ministers of State, in the new UPA govt.

State-wise Deficit in Muslim Representation to the Indian Parliament

No. State Total Population Muslim Pop. % Muslim Total MPs

Muslim

MPs

Mus. MPs

Fair

Share

Deficit
1 Andaman & N 356,152 29,265 8.22% 1 0 0.0% 0 0
2 AP 76,210,007 6,986,856 9.17% 42 1 2.4% 4 3
3 Arunachal 1,097,968 20,675 1.88% 2 0 0.0% 0 0
4 Assam 26,655,528 8,240,611 30.92% 14 2 14.3% 4 2
5 Bihar 82,998,509 13,722,048 16.53% 40 3 7.5% 7 4
6 Chandigarh 900,635 35,548 3.95% 1 0 0.0% 0 0
7 Chhattisgarh 20,833,803 409,615 1.97% 11 0 0.0% 0 0
8 Dadra & Nagar 220,490 6,524 2.96% 1 0 0.0% 0 0
9 Daman & Diu 158,204 12,281 7.76% 1 0 0.0% 0 0
10 Delhi 13,850,507 1,623,520 11.72% 7 0 0.0% 1 1
11 Goa 1,347,668 92,210. 6.84% 2 0 0.0% 0 0
12 Gujarat 21,144,564 4,592,854 9.06% 26 0 0.0% 2 2
13 Haryana 50,671,017 1,222,916 5.78% 10 0 0.0% 1 1
14 H P 6,077,900 119,512 1.97% 4 0 0.0% 0 0
15 J & K 10,143,700 6,793,240 66.97% 6 4 66.7% 4 0
16 Jharkhand 26,945,829 3,731,308 13.85% 14 0 0.0% 2 2
17 Karnataka 52,850,562 6,463,127 12.23% 28 0 0.0% 3 3
18 Kerala 31,841,374 7,863,842 24.70% 20 3 15.0% 5 2
19 Lakshadweep 60,650 57,903 95.47% 1 1 100% 1 0
20 MP 60,348,023 3,841,449 6.37% 29 0 0.0% 2 2
21 Maharashtra 96,878,627 10,270,485 10.60% 48 0 0.0% 5 5
22 Manipur 2,166,788 190,939 8.81% 2 0 0.0% 0 0
23 Meghalaya 2,318,822 99,169 4.28% 2 0 0.0% 0 0
24 Mizoram 888,573 10,099 1.14% 1 0 0.0% 0 0
25 Nagaland 1,990,036 35,005 1.76% 1 0 0.0% 0 0
26 Orissa 36,804,660 761,985 2.07% 21 0 0.0% 0 0
27 Pondicherry 974,345 59,358 6.09% 1 0 0.0% 0 0
28 Punjab 24,358,999 382,045 1.57% 13 0 0.0% 0 0
29 Rajasthan 56,507,188 4,788,227 8.47% 25 0 0.0% 2 2
30 Sikkim 540,851 7,693 1.42% 1 0 0.0% 0 0
31 Tamil Nadu 62,405,679 3,470,647 5.56% 39 2 5.1% 2 0
32 Tripura 3,199,203 254,442 7.95% 2 0 0.0% 0 0
33 UP 166,197,921 30,740,158 18.50% 80 7 8.8% 15 8
34 Uttaranchal 8,489,349 1,012,141 11.92% 2 0 0.0% 1 1
35 WB 80,176,197 20,240,543 25.25% 42 7 16.8% 11 4
  Total 1,028,610,328 138,188,240 13.43% 543 30 5.2%% 73 43


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