Author: Khalil Ahmed

Govt must focus on exploiting indigenous energy resources Interview with Mr. Kalim A. Siddiqui — former Managing Director, Pakistan State Oil PAGE: Tell me something about yourself, please: Kalim A. Siddiqui: I am a former Managing Director of Pakistan State Oil and former President of Byco Petroleum. I am holding a Bachelor’s in Chemical Engineering from the University of Bradford in England (UK) and a Master’s in Chemistry from Karachi University, has broad-based, global experience working in the USA, UK, Australia, Vietnam and Pakistan for over 36 years. I am an enthusiastic and highly accomplished executive with 36 years of extensive…

 Climate-hit farmers are in dire need of support Interview with Mr. Riaz Javed Suleri — Resident Director, Faran Sugar Mills Limited PAGE: Tell me something about yourself, please. Riaz Javed Suleri: I have been associated with the sugar industry since 1983. Firstly, in the public sector and for the last two decades in the private sector. At present, I am working as Resident Director at Faran Sugar Mills, which is a progressive organization with special emphases on technological development at the project as well as in the field. Capacity enhancement from 5,500 tons per day crushing capacity to 10,500 TCD with…

An in-depth discussion on the future of the economy. Our interview with Mr. Zafar Iqbal — Managing Director, SAI Group PAGE: Tell me something about yourself, please: Zafar Iqbal: I am Managing Director SAI Group, Founder President Defence Residents Society, Founder SAMEA, Founder Bazme Kiran and President Society for Promotion of Arabic.  PAGE: How was 2022 for small and medium enterprises in Pakistan? Zafar Iqbal: The Year 2022 was full of struggle since Small & Medium Enterprises have been striving for survival. We all know the value of small and medium enterprises in the entire world. They are the engine of…

Expert opinion on the education upgrade in Pakistan. An interview with Dr. Asiya Saif Alvi — a dynamic young political analyst Profile: Dr. Asiya Saif Alvi is a dynamic young political analyst from Lahore. After finishing her school and college education, she went to Islamabad for a Master’s from Quaid-e-Azam University. After doing her Master, she joined a local college in Lahore to teach. Simultaneously, she got admission to Government College Lahore for her MPhil in the political science department. Meanwhile, she quit her job at college and started working at the Virtual University of Pakistan in 2009. After doing…

 Poor storage of POL products is a matter of concern Ease taxation policy; roads need improvement Interview with Mr. Barkatullah Lone — Chairman, GB International Economic Forum Profile: Mr. Barkatullah Lone is the Chairman of GB International Economic Forum and a renowned young Economist of Pakistan. He is a Chartered Accountant from England & Wales, a Chartered Management Accountant from UK, a Chartered Certified Accountant from UK, a Chartered Global Management Accountant from the USA, Gold Medalist Management Accountant and Public Finance Accountant from Pakistan plus he holds a master’s degree in Economics and Law from Karachi University. He has…

 Port services need to change to meet international standard Essential to bring out-of-the-box ideas to boost trade Interview with Malik Naeem Azam — President, Global Business Solutions Profile:  Global Ambassador Commonwealth Entrepreneurs Club President Global Business Solutions Pakistan CEO Millennium Pakistan Former Managing Director Deugro Projects & Logistics Pakistan PAGE: What is your perspective on Logistics and Transportation in Pakistan? Malik Naeem Azam: The transportation, shipping and logistics of any country depend on both imports and exports and strategic projects in Pakistan such as CPEC connected with SCPEC and RPEC in the future and Pakistan being gateway Transit Business for Afghanistan…

Conversation with Syed Imran Ahmed — Chief Manager, Corporate Communications, SSGC Profile: Syed Imran Ahmed is the Chief Manager at SSGC’s Corporate Communication Department where he is also the section head of advertising, publications and events. An MBA from IBA Karachi and a Master in International Trade from Melbourne University, Mr. Ahmed is also the Visiting Faculty at the Institute of Business Management (IoBM). He regularly writes in the top publications on energy and business-related topics. Mr. Ahmed is a content developer for a number of social media pages. Pakistan & Gulf Economist had an exclusive conversation with Syed Imran Ahmed about LPG – an…

Supporting potential youth helps achieve SDGs The biggest challenge is to bridge the digital divide Interview with Dr. Amna Khan — Director Computer Science Department, King Fahd University, Saudi Arabia Profile: Dr. Amna Khan is a Director of the Computer Science Department, at King Fahd University, Saudi Arabia. She is a Ph. D. in robotics from Korea University, Seoul, South Korea. She has been working as a visionary educationist for more than 18 years. She has numerous international publications in high-impact factor journals. Willingness to learn new trends and technologies, combating challenges, and motivation to strive for change in society…

Around 1.7 million Pakistani diaspora residing in the UAE send around $6 billion from the UAE every year which helps Pakistan economically. Bilateral relations between the Islamic Republic of Pakistan and the United Arab Emirates date back to the UAE’s formation in 1971. Both the countries have had 50 years of unique brotherly relations. The transformation of brotherly relations into growing trade and economic relations is praiseworthy. Bilateral economic cooperation in trade, energy, infrastructure, petroleum etc. has been instrumental for both the economies. The UAE-Pakistan bilateral trade is around $11 billion at this juncture which is anticipated to spike to…

The sprint session held for leading businesses in the private sector The Overseas Investors Chamber of Commerce & Industry (OICCI) and the Pakistan Business Council (PBC) collaborated to host a design sprint on best practices needed to develop an effective Environmental, Social and Governance (ESG) framework for Pakistan. The two-day workshop was facilitated by Unilever Pakistan Limited. Participants of the session included leading local and multi-national organizations. The objective of the workshop was to help participants develop strategies and frameworks to make businesses resilient to environmental, social and governance issues in the post-pandemic world. The design sprint helped participants…

 Borrowing still remains the better option for financing deficit Keenness on export, foreign ventures is the best support for forex reserves Interview with Dr. Ayub Mehar — an eminent economist  PAGE: Tell me something about yourself, please: Dr. Ayub Mehar: I have been serving as ‘Economic Advisor’ of the Economic Cooperation Organization (ECO) Chamber of Commerce for 3 years and also ‘Director General’ in the Federation of Pakistan Chambers of Commerce and Industry (FPCCI) for 7 years. I have completed and worked on various research assignments for Asian Development Bank Institute Tokyo, including ‘Measuring Impacts and Financing Infrastructure Development’, ‘Economic Integration…

 Need to boost the govt-people system of trust Ventures in real estate overseas likely The country’s potential IT workforce must exploit avenues for earnings Interview with Mr. Hamad Rasool Bhullar, an analyst PAGE: Tell me something about yourself, please: HRB: I have been working for both the private and public sectors over the last 32 years in multiple roles with almost 27 years in professional training. With respect to my work with the financial sector, I have been involved in research and training for almost 27 years so far, and conducted over 350 pieces of training on different aspects of Finance,…

Need of long-term reforms for fixing the export challenges Interview with Mr Azeem Hussain Siddiqui — Tax Expert  PAGE: Tell me something about yourself, please: Azeem Hussain Siddiqui:  Born at Hyderabad Sindh, I had my early education in that city and then settled in Karachi for last 30 years. I am a Fellow Member of Institute of Cost & Management Accountants of Pakistan as well as of Institute of Chartered Accountants of Pakistan. Currently serving as Partner at Naveed Zafar Ashfaq Jaffery & Co. Chartered Accountants. Previously have served KPMG Taseer Hadi & Co. Chartered Accountants. I am also Chairman of Karachi Branch…

Interview with Muhammad Azam Khan — Economist/Capital Market Expert PAGE: Tell me something about yourself, please: Muhammad Azam Khan: I have more than 22 years of professional experience (20 years in Pakistan’s financial sector including a capital market with primary and secondary market activities), mutual funds, equity brokerage (local and international), block deals & corporate finance. I started my professional career with international exposure in a highly proficient environment with dedication and commitment. My role was to maximize the efficiency and visibility of logistic operations while simultaneously achieving best practices in system, process and technology, continuous improvement, supply chain and delivery.…

Interview with Mr. Khalid Tawab — Chairman, F. Rabbi Steel (Pvt) Ltd PAGE: Tell something about yourself, please: Khalid Tawab: I am chairman M/s. F. Rabbi Steel (Pvt.) Ltd, M/s. Tawab Steel (Pvt.) Ltd, M/s. Qadria Board Mills (Pvt.) Ltd, M/s. Shariff & Co., (Pvt.) Ltd. I am also the Honorary Consul General Republic of Mozambique since 1989. I have also served FPCCI and Karachi Chamber of Commerce & Industry as Sr Vice President and Acting President respectively. My other prominent portfolios include Life Member Korangi Association of Trade & Industry Life member Federation of Pakistan Chamber of Commerce & Industry,…

The country’s law education needs to be raised and reformed Young lawyers must understand the whole judicial system before joining as a profession Interview with Mr. Muhammad Akif Khan — legal expert PAGE: Tell me something about yourself, please: Muhammad Akif Khan: I come from a typical middle-class Pakhtun family in Khyber Pakhtunkhwa. Luckily, in our family, education is always considered the priority for all. Both of my grandparents were in the teaching profession which then transformed the next generations and we have all shifted from lower middle to upper middle class because of making education our bread and butter. My…

Sacha’s Cakes taking your sweetness pleasure to next level Interview with Mr. Sajid Katiya, CEO Sacha’s Cakes PAKISTAN & GULF ECONOMIST had a conversation with Mr. Sajid Katiya, CEO of Sacha’s Cakes. Following are the excerpts: When you think of the best customized celebration cake shops, you simply cannot ignore Sacha’s Cakes. The cake place that has been whipping up some delicious and sweet cakes since 1976. Sacha’s Cakes was started by a lady Ms. Anwara Sheikh in 1979 to fulfill the birthday wish of her little nephew. The founder decided to bake a black forest cake in the shape of a…

Interview with Mr. Muhammad Farooq Afzal — President/CEO of ITN Group of Companies Profile:  Mr. Muhammad Farooq Afzal is a dynamic and profound professional in the realm of Textiles, Information Technology, Business Consultancy, Tourism, and Event Management. He is pursuing his entrepreneurial ambitions for the last 22 years, locally & internationally. He has been playing an instrumental role in promoting trade and business ties between Pakistan and other countries since 2004. Farooq has been continuously putting in his multifaceted efforts toward the cause of the promotion of bilateral and multilateral trade. Farooq has also been participating in TV talk shows…

ILMA’s teaching aims to help bridge the business and academia gap For business graduates case and real-time scenarios-based teaching is the only way forward Interview with Mr. Kashif Rafi — Registrar and Director of International Linkages & Opportunities, ILMA University PAGE: Kindly tell us about yourself and your career: Kashif Rafi: I have always been instituted at top posts throughout my career. I have exhibited diversity in reputable roles as an academician, educationist, entrepreneur, registrar and business strategist spanned over 22 years. Presently, I hold multiple positions of leadership in renowned organizations as Registrar & Director of International Linkages & Opportunities,…

Revolutionary steps need to attract management experts Still, room in the corporate sector to adopt good management practice Interview with Mr. Salah Uddin — former Executive Director, of the Management Association of Pakistan PAGE: Tell me something about yourself, please: Salah Uddin: I have recently stepped down as the Executive Director of the Management Association of Pakistan and as the Councilor of the Asian Association of Management Organizations after an eleven years stint at both organizations. Previously I have served the national airline, Pakistan International Airlines, in various positions for thirty-five years, the last ones being Director of Marketing, Director of…

Conversation with Syed Imran Ahmed — Chief Manager, SSGC Profile: Syed Imran Ahmed is the Chief Manager at SSGC’s Corporate Communication Department where he is also the section head of Advertising, Publications and Events. An MBA from IBA Karachi and a Master in International Trade from Melbourne University, Mr. Ahmed is also the Visiting Faculty at the Institute of Business Management (IoBM). He regularly writes in the top publications on energy and business-related topics. Mr. Ahmed is a content developer for a number of social media pages. PAKISTAN & GULF ECONOMIST had a conversation with Syed Imran Ahmed about the…

A conversation with Mohammad Iqbal Ghori — finance magnate Profile: Mohammad Iqbal Ghori, FCMA, Director of Finance & Strategic Planning at Sadaqat Limited – Pakistan’s most prominent home textile exporter, has established a corporate culture of formulating and analyzing business strategies. His presence has led to the transformation of a family-owned business into a corporate organization with incomparable compliance. Iqbal Ghori is a visionary, finance magnate, and a benefactor of technological innovation in the textile sector. With over 30 years of experience in finance, investment and management, and an extensive background in high-profile financial positions in the public and private…

Innovative ‘ABC Juice’ anticipates the need for fresh fruits IAC’s quality products gaining attentiveness in the export market Interview with Mr. Waheed Ahmed — Director, IAC Investment in manufacturing revitalizes the economy and health system, generates employment opportunities and there is a spike in exports which results in GDP growth. Some Pakistani organizations are rather agile in underpinning economic activities, therefore, Iftekhar Ahmed & Company (IAC) is one of the leading organizations in Pakistan in terms of investment and exports. Iftekhar Ahmed & Company has invested $10 million in Food and Beverages sector and will invest another $15 million in…

Interview with Ms. Natasha Haseeb — Analyst PAGE: Tell me something about yourself, please: Natasha Haseeb: I am a News Anchor at PTV News. I have done my MPhil in Political Science from the University of Karachi and I am doing a business show. I have a keen interest in business so I am doing a show named “Baat Karobar Ki” which includes the economy, stock market and business of the country. I am very friendly by nature. My strengths are my research and analytical approach. I like to conduct interviews. I have conducted a lot of interviews with different people…

RAC accepts expansion in the hospitality sector is the key to success Interview with Mr. Zahid Iqbal — CEO, Royal’s Adventure Club (Pvt) Ltd Royal’s Adventure Club (Pvt) Limited is one of the best and pioneer DMCs in Pakistan since 2009. The company is owned by young graduate Zahid Iqbal who himself is a passionate traveler and a mountaineer. Royal’s offers various tour packages for domestic and foreign tourists for different tourist places in Northern Areas of Pakistan like Hunza Valley, Skardu, Swat and Chitral. Not only this company also offers packages for honeymoon couples to spend quality time in…

PAKISTAN & GULF ECONOMIST sought views from Mehran Spice & Food Industries regarding the price hike of raw materials. The following details were shared by Mehran Spice & Food Industries: The impact of the 2022 floods on Pakistan’s rural communities and agriculture has been devastating, resulting in the loss of crops, livestock, and essential infrastructure. The unexpected hike in the price of raw materials is an alarming situation in the agriculture sector of Pakistan. Mehran Spice & Food Industries is a renowned and fast-growing FMCG organization. We are the biggest food export company in Pakistan and export to more than…

A spectacular spike in food prices is a double whammy for the impoverished stratum of society globally. There is no denying that the Russia-Ukraine conflict is the predominant factor in this regard. Russia invaded Ukraine in February 2022. Subsequently, food prices have skyrocketed over the course of the preceding ten months during the ongoing year. The worst is not over rather it is yet to transpire. Russia as well as Ukraine, are major producers of staple food for the world. Russia and Ukraine together have approximately 30 percent of the global trade in wheat. Global wheat production for the marketing…

Talking about the efforts required to overcome food overpricing with Mr. Kaukab Iqbal: PAGE: Tell me something about yourself, please: Kaukab Iqbal: I am the Founder & Chairman of the Consumers Association of Pakistan. The idea of the Consumers’ Association of Pakistan was initiated while I was in Malaysia on a business trip, where I witnessed World Consumers Day being celebrated with zest and harmony. I was very inspired by this as there was no such association of this sort in Pakistan. I started work on Consumers’ Rights & Protection. I am also Board Director of Universal Service Fund Ministry of…

An interview on growing the food processing industry, with Mr. Rafiq Rangoonwala — CEO of Quick Food Industry (Mon Salwa) PAGE: Tell me something about yourself, please: Rafiq Rangoonwala: Presently I am working as CEO of Quick Food Industry (Mon Salwa). I have extensive experience of over 40 years in creating, building, and leading key Fast Food Brands in Pakistan and across the globe including, KFC, Burger King, TGIF, Hardees, Pizza Hut, Wendy’s, and Harry Ramsden, etc. Currently, I am on the Advisory Board of Ijara Capital, an Advisor to Bahria University Karachi, a Member Scientific Panel at Sindh Food…

PAGE: How would you comment on Pakistan’s rice processing sector? Abdul Rahim Janoo: Rice export trade is the second largest export trade of Pakistan with more than US$ 2.5 billion of trade. Rice exports from Pakistan were previously dealt with by the Rice Export Corporation of Pakistan (REAP). After rice exports were allowed to the private sector, a new body of people emerged in the shape of rice exporters. I am very happy to say that rice exporters from all the provinces are united on the platform of REAP. REAP members are working very hard to fetch valuable foreign exchange for…

Internet is no longer a luxury rather it has become a kind of basic commodity since connectivity deprivation could restrain your access to virtually everything right from availing services for daily errands to obtaining education, health and a host of other services. There is no denying the fact that lack of good mobile phone sets is one of the key barriers to the growth of internet. The dream of Digital Pakistan in essence is viable with the use of technology. It is a fact that connectivity is the basic tool of lifestyle. The use of 5G in Pakistan is likely…

Musharakah is an accepted form of financing and growing rapidly Interview with Mr. Faisal Saifullah — Executive Vice President and Head of House Finance, Meezan Bank Limited Tell me something about yourself, please: Faisal Saifullah: Currently, I am working as Executive Vice President and Head of House Finance at Meezan Bank Limited. I have a well-diversified banking experience spanning over 22 years including 16+ years of experience in Islamic banking. During the journey, I was instrumental in setting up Auto & Mortgage business units from technical initiation to commercial implementation. I possess solid technical background and keen business development acumen…

Attaining Islamic products are best and beneficial Interview with Mr Abdul Rasheed — Regional Sales Head, Karachi & Balochistan National Bank PAGE: Tell me something about yourself, please: Abdul Rasheed: Currently, I am Regional Sales Head Karachi & Balochistan in National Bank. Prior to that, I was associated with Askari Bank and Standard Chartered Bank. I have diversified experience as I have worked in the areas of sales, product development, collections & credits. I started my career from Coca Cola International back in 2000 as salesman and worked on different positions and when I left I was Assistant Sales Manager and this…

Interview with Mr Ashfaq Yousuf Tola — President, TOLA ASSOCIATES Profile: Professional Accomplishments Memberships: Fellow Member of Institute of Chartered Accountants of Pakistan Fellow Member of the Institute of Cost & Management Accountants of Pakistan Life Member of Karachi Press Club Life Member of SAARC Chamber of Commerce and Industry Member of Karachi Tax Bar Association. Key Achievements: Presentation to IMF on Single Stage Sales Tax in December 2015 Visited Turkey as an official of Government of Pakistan to study Turkish Tax System and authored a report on Turkish Taxation System Knowledge of more than 40 Jurisdictions around the Globe…

LRBT has made an all-out effort to help the flood-stricken in the country. The following work was shared with PAKISTAN & GULF ECONOMIST. Pakistan has been hit by the most devastating calamity in its history. Super floods caused have submerged almost 33% of the country and infrastructural destruction of a mammoth scale has been seen. The statistics are horrifying as more than 30 million people have been rendered homeless and without jobs, more than 1000 people have lost their lives and those who have survived are living under the open sky with no access to food, clean water, or sanitation.…

Interview with Sarim Burney – a social activist and philanthropist Profile: Mr. Sarim Burney has more than 30 years of experience spread across various Humanitarian work such as providing emergency relief to flood victims and other natural calamity struck areas. He has an extensive experience in field research and surveying calamity-stricken areas. Mr. Sarim Burney has helped drought-stricken Tharparker. Water Wells was built in Balochistan by him. He has helped Tsunami victims in Malaysia, covered natural calamities disasters in Kashmir and Ziarat (Baluchistan), earthquakes in China, various floods, and other disasters after natural calamities have been covered by him. Mr.…

Conversation with Mr. Gul Muhammad Lot — Chairman, Mehran Group of Industries  Excerpts of the conversation with Mr. Gul Muhammad Lot are as follows: Mehran Spice & Food Industries is a renowned and fast-growing FMCG organization. It is the biggest food export company in Pakistan and exports to more than 60 countries throughout the world. It stands as one of the most reputed food company and a dominant global brand through delicious food solutions of premium quality under the categories of Recipe Mixes, Plain Spices, Paste, Pickles, Sauces, Rice, Salt & Desserts. With a vision to become a leading global…

Interview with Sardar Shoukat Popalzai – President, Balochistan Economic Forum Profile: Sardar Shoukat Popalzai, President Balochistan Economic Forum, gained his degree in International Relations with major on diplomacy, economics and anti-terrorism before spending nearly 24 years on professional career in the field of information service on International Diplomacy — Corporate Information and Media Monitoring. Over the years, he has made presentations at numerous important conferences and corporate briefings. He is also recipient of awards from the USA, Great Britain, France, the People’s Republic of China and the Federal Republic of Germany. Balochistan Economic Forum has completed 30 years of its…

After the successful completion of the combined seventh and eighth reviews, Pakistan has eventually received the long standing $1.16 billion from the International Monetary Fund (IMF) which is deemed to spur the economy, underpin the local currency and last but not the least inflate the confidence of our friendly countries in terms of financial help which is desperately requisite at this juncture. The approval of an extension of the IMF program until the end of June 2023 is accreditation for the economy of Pakistan in the given circumstances, to be precise. Pakistan’s perennial economic woes are the outcome of the…

FHM well positioned with strong equity base, sound assets size and profitability Interview with Muhammad Shoaib Ibrahim — Managing Director & CEO, First Habib Modaraba Profile: Muhammad Shoaib Ibrahim is the CEO of First Habib Modaraba, a 37 years old entity that has successfully maintained its leading position within Modaraba sector of Pakistan. Under his leadership, at present, FHM is well positioned in the Islamic financial market with a strong equity base, sound assets size and profitability within the Modaraba sector of Pakistan. FHM holds a strong credit rating scale of AA+ in long term and A1+ in short term.…

Interview with Muhammad Naveed Alam — Resident Shariah Board Member, Meezan Bank PAGE: Tell me something about yourself and your organization, please: Muhammad Naveed Alam: I hold a Master’s degree in Islamic Banking and Finance from University of Karachi and Shahadat-ul-Alamiyah and Takhassus (specialization in Islamic Jurisprudence and Fatwa) from Jamia Darul Uloom, Karachi. I am also a Certified Shariah Advisor & Auditor (CSAA) from Accounting and Auditing Organization for Islamic Financial Institution (AAOIFI). I joined Meezan Bank in 2013 as a member of the Shariah Compliance Department with primary responsibilities including Shariah Compliance review and Shariah Audit of different departments…

Interview with Mr. Barkatullah Lone – Chairman, GB International Economic Forum Profile: Mr. Barkatullah Lone is Chairman of GB International Economic Forum and a renowned young Economist of Pakistan. He was ranked in the top ten Economists of Pakistan in the year 2017. He is a Chartered Accountant from England & Wales, Chartered Management Accountant from UK, Chartered Certified Accountant from UK, Chartered Global Management Accountant from the USA, Gold Medalist Management Accountant and Public Finance Accountant from Pakistan plus he holds master’s degree in Economics and Law from Karachi University. He has been associated with the corporate sector in…

Interview with Mr Hamad Rasool Bhullar, an analyst Profile: Mr Hamad Rasool Bhullar is a freelance consultant/trainer and financial advisor with special reference to ethical and Islamic Financial system, for almost 25 years, both in public and private sectors in addition to being a passionate trainer on management and motivation to change the lives of the youth. He has a strong belief that we can shape our Pakistani community into a very efficient and productive community just through the right mix of training and motivation, while preserving the natural ethics and morality in our society. He did his graduation from…

Leasing companies play a vital role in capital formation Interview with Mr Shaham Ahmad — Honorary Secretary, ICMA-Pakistan PAGE: Tell me something about yourself and your organization, please. Shaham Ahmad: I am a Fellow member of ICMA and a member of the current National Council of the Institute for the three-year term from 2021 to 2023. The Council has nominated me as the ‘Honorary Secretary’ of the Institute in which capacity I am responsible to look after those affairs of the Institute as envisaged in the CMA Act and Regulations. I held the office of the Chairman of the Karachi Branch…

Interview with Mr Mustafa Mirchawala – CEO, Mirchawala’s Hub of Accountancy Profile: Mustafa Mirchawala is a compelling and sought after trainer and speaker, who helps his audience learn complex concepts in simple ways. Having a user friendly style, he speaks regularly at leading business schools and in the corporate fraternity with exposure of various universities, and corporate sector he brings with himself over 12 years professional training experience of IFRS, financial management and tax which is complimented by a rich blend of practical experience. Mustafa has served leading universities in Pakistan for training session like Bahria University, Commecs, Mohammed Ali…

Interview with Mr Farhan Saeed — Faculty Member, Tabani’s School of Accountancy PAGE: Tell me something about yourself: Farhan Saeed: I am a qualified accountant, full-time faculty member of Management Accounting by profession. I have been teaching professional accountancy qualifications; CA, ACCA, ICMA and ACCA since 1999. I have been associated with the Tabani’s School of Accountancy since 2004. Besides, I have also worked with The Centre for Management Sciences, Mithani’s House of Business Education, School of Business Studies and Escribir College of Advanced Studies not only as a teacher but as a key management person like Head of Academics, Vice-principal,…

Interview with Mr Azeem Hussain Siddiqui – FCA, FCMA PAGE: Tell me something about yourself and your organization, please Azeem Hussain Siddiqui: I am a Fellow Member of Institute of Cost & Management Accountants of Pakistan, Institute of Chartered Accountants of Pakistan and Institute of Corporate Secretaries of Pakistan. Having more than 30 years of working experience, I am currently Partner at Naveed Zafar Ashfaq Jaffery & Co. Chartered Accountants. Previously have served KPMG Taseer Hadi & Co. Chartered Accountants. Besides, I am current Chairman of Karachi Branch Council of ICMA Pakistan and Vice President of Pakistan Quiz Society International. I…

Interview with Mr Aamir Ijaz Khan — Executive Director, ICMA International PAGE: Tell me something about yourself and your organization, please. Aamir Ijaz Khan: By profession, I am a Fellow Cost and Management Accountant and have on my credit around 20 years of diversified experience in the areas of Client Servicing, Project Implementation, Business Repositioning, Financial Management, and Compliance. I am also a SAP, FICO Certified Consultant. Before joining ICMA Pakistan as Executive Director, I was serving as Head of Quality Assurance at M/s. Innovative Pvt. Ltd. I had also worked as an Audit MIS Expert (Punjab) in a World Bank-funded…

Interview with Lt. Col (R) Dr Malik Ahmed Saeed — Administrative Superintendent LRBT Hospital, Korangi Karachi PAGE: Tell me something about yourself and your career, please: Malik Ahmed Saeed: Talking about myself, I felt narcissistic so I asked some friends, family and colleagues. Their responses were as follows: – A veteran with a world of knowledge, who can write a very interesting memoir [My Friends] – An Army man tough on the outside, soft on the inside. A Messiah amongst us, being a Doctor by profession [My Colleagues] – Our Dad, has sacrificed his life and career for our wellbeing; he…

Interview with Dr Asia Saif Alvi — a dynamic young political analyst Profile: Dr Asia Saif Alvi is a dynamic young political analyst from Lahore. After finishing her school and college education, she went to Islamabad for Masters from Quaid-e-Azam University. After doing her Masters, she joined a local college in Lahore for teaching. Simultaneously, she got admission to Government College University Lahore for her MPhil in the political science department. Meanwhile, she quit her college job and started working at the Virtual University of Pakistan in 2009. After doing her MPhil, she enrolled in the PhD program at Punjab…

Interview with Mr Adnan Ghaffar – Principal, The Aura School PAGE: Tell me something about yourself and your school, please: Adnan Ghaffar: I am working as a principal in “The Aura School”. I have more than 15 years of teaching experience at the matric, intermediate, and undergrad level. I completed my degree of Master’s from the University of Karachi in 2003 and then MS from FAST and a Double MA in Economics from the University of Karachi in 2008 and 2009 respectively. The Aura School provides education from pre-school to matric. The vision of the school is to provide quality education…

Plenty of uncertainty across the globe Uncertainty is worse than bad news. There is plenty of uncertainty across the globe. The investors seem to be dithering whether to invest in gold or dollar as hedging. Sometimes it seems as if the entire world is going to invest in gold and at other times it is other way around. The investment scenario is in a state of flux. There was a drop of $79 per ounce in the world gold market in 2021. The uncertainty dragged international gold rates down to $1,820 versus $1,899 per ounce at the outset of 2021.…

Interview with Mr. Abbas Akberali — Chairman Amreli Steels Profile: Mr. Abbas Akberali is the Patron-in-Chief of Pakistan Association of Large Steel Producers. He is also Chairman Amreli Steels, which is the largest producer of world class steel bars in Pakistan. He is also Vice Chairman of National Steel Advisory Council. He is on the Board of the Engineering Development Board. He has spent over five decades in the steel sector of Pakistan and is regarded as a steel ICON and brings unparalleled experience with Metallurgical Engineering background combined with an MBA from Columbia University, NY, USA. Mr. Abbas Akberali’s…

Present political gimmickry is gruesome for investors Interview with Mr Sanie Khan — Independent Capital Market Expert Profile: Mr Sanie Khan has worked as Chief Executive Officer of many organizations and has extensive knowledge and capital to develop and grow the business from the scratch. He was the General Manager at the Pakistan Stock Exchange (PSX) for 22 years. He along with senior members of Exchange successfully negotiated Pakistan’s first ever Risk Management reforms with the Apex Regulator and implemented Client-Level Margining and VaR Risk Metrics at the Pakistani Capital Markets. Apart from designing and developing Pakistan’s first ever Islamic…

Interview with Syed Ali Raza Bukhari, National Investment Trust Limited PAGE: Tell me something about yourself, please: SYED ALI RAZA BUKHARI: Prior to joining National Investment Trust Limited  in 2018, I have had the opportunity to set up and successfully manage a Pakistan Stock Exchange Member Brokerage firm, bringing it up as a boutique institutional trading platform. I have also been associated with the asset management industry for quite some time now, spreading my 17.5 years of specialized financial services experience into a diversified landscape of multiple professional domains like investment and financial advisory, distribution, marketing & sales, specialized product development,…

Banks should keep focus on innovation Interview with Mr Salman Ahmed Khan — Unit Head Fraud Risk Management Department, Summit Bank Limited PAGE: Tell me something about yourself, please: Salman Ahmed Khan: I am working as Unit Head in Fraud Risk Management in Summit Bank. I am heading Fraud Monitoring Team for Digital Frauds and also looking after Periodic Regulatory Fraud Reporting to State Bank of Pakistan. PAGE: How would you comment on digital experiences for banking sector consumers? Salman Ahmed Khan: Future is of digital and branchless banking. Banks which are leading today is due to adoption of the state-of-the-art technology.…

Interview with Mr. Urooj Ul Hasan Khan — ACA, CFA (GM & Head Investment Banking & Shariah Advisory Meezan Bank Limited) PAGE: Tell me something about yourself, please: Urooj Ul Hasan Khan: I am a Chartered Accountant from the Institute of Chartered Accountants Pakistan (ICAP) alongside holding a charter from the CFA Institute (USA) and Chartered Institute of Management Accountants (UK). I joined Meezan Bank Limited in 2008 and currently holding the position of General Manager and Head of Investment Banking & Shariah Advisory group. My core responsibilities include managing Investment banking business origination, monitoring, execution and delivery of deals including…

Balochistan Economic Forum fully supports BRI Interview with Sardar Shoukat Popalzai – President, Balochistan Economic Forum Profile: Sardar Shoukat Popalzai, President Balochistan Economic Forum, gained his degree in International Relations with major on diplomacy, economics and anti-terrorism before spending nearly 24 years on professional career in the field of information service on International Diplomacy – Corporate Information and Media Monitoring. Over the years he has made presentations at numerous important conferences and corporate briefings. He is also recipient of awards from USA, Great Britain, France, the People’s Republic of China and the Federal Republic of Germany, Balochistan Economic Forum has…

Interview with Mr Saad Hassan — Wing Head Management Audit, National Bank of Pakistan PAGE: Tell me something about yourself, please: Saad Hassan: I work at NBP as Wing Head, Management Audit. I have gotten working experience in the areas of Regulatory Compliance, Service Quality, Training & Development and Audit & Inspection. I am an MBA from IBA coupled with Masters in Economics and Masters in Islamic Banking & Finance besides Associate of Institute of Bankers, Pakistan (IBP). PAGE: Creating better digital experiences for banking sector consumers is of paramount importance. How would you comment? Saad Hassan: This is of utmost importance…

Interview with Mr Amir Salman – CEO, ENA Pakistan Profile Amir Salman holds immense wisdom and expertise in the realm of multinational concerns, with a professional experience of around 30+ years. Amir Salman is known for his exceptional work and contribution in the development of new products/markets in his assignments with Schneider partners (CNS Engineering and Innovative Pvt Ltd), DuPont, Orix Leasing and Marubeni Corporation. He quotes saying that his time at JBS has been “an exciting one as the environment is very conducive”. In his professional experience and journey of almost 30 years, he has found JBS a very…

Govt must work hard on power supply improvements Energy through solar and wind most feasible Interview with Muhammad Abbas Sajid — former Chairman, Renewable and Alternative Energy Association of Pakistan, Karachi Chapter PAGE: Tell me something about yourself and your organization, please: Muhammad Abbas Sajid: I graduated as a Mechanical Engineer from the NED University of Engineering & Technology, Karachi, Pakistan in 1983 and studied Business Management at the Joseph M. Katz School of Business at the University of Pittsburgh, USA. I am a Registered Professional Engineer with the Pakistan Engineering Council and CEO of a Mechanical Engineering Company in Pakistan by the…

Conversation with Muhammad Farooq Afzal – CEO, ITN Group of Companies Profile: Muhammad Farooq Afzal is a dynamic and a profound professional in the realm of Textiles, Information Technology, Business Consultancy, Tourism, and Event Management. He has been pursuing his entrepreneurial ambitions for last 22 years, locally & internationally. He has been playing an instrumental role in promoting trade and business ties between Pakistan and other countries since 2004. Farooq has been continuously putting in his multifaceted efforts towards the cause of promotion of bilateral and multilateral trade. He has also been participating in TV talk shows regularly to speak…

Profile: Mr Khalid Tawab is an economics, finance and international trade expert. He is a prominent businessman and former Minister of Commerce & Industry Government of Sindh and former Senior Vice President of the Federation of Pakistan Chambers of Commerce and Industry (FPCCI). He has also served as Vice President and Chairman of various Advisory Committees. He is former Senior Vice President of Karachi Chamber of Commerce & Industry. The Government of Pakistan conferred the award of “SITARA-I-IMTIAZ” on him in 2008 for his services. He has visited various countries in order to accomplish Pakistan government’s objectives to enhance economic…

Potential of huge renewable sources, geothermal energy must be utilized fairly Country’s power generation from renewables will move up 30% by 2030 Interview with Mr. Shabbir Hassan Mansha — Acting President, FPCCI PAGE: Tell me something about yourself and your organization, please: Shabbir Hassan Mansha: I am a professional and tax law expert in all the matters related to imports and exports and have vast experience of more than 25 years in field of supply chain management that includes Trading, Tax advisory and logistics. I have also served the business community as elected office bearer in Key organizations some of which…

Interview with Mr Zia ul Mustafa Awan, President, ICMA International PAKISTAN & GULF ECONOMIST had an exclusive conversation with Mr Zia ul Mustafa Awan regarding Federal Budget 2022-23. Excerpts of the conversation are as follows: Pakistan is facing daunting economic challenges at the moment which require some sagacious policy-making to put the economy on the right track. A new coalition government has assumed power only two months back and it looks committed to meeting these challenges squarely. We have seen some tough and unpopular decisions by the government recently by increasing the petroleum prices as a preemptive measure to seek the…

Interview with Mr Ashfaq Yousuf Tola –President, TOLA ASSOCIATES Profile: Professional Accomplishments Memberships: Fellow Member of Institute of Chartered Accountants of Pakistan Fellow Member of the Institute of Cost & Management Accountants of Pakistan Life Member of Karachi Press Club Life Member of SAARC Chamber of Commerce and Industry Member of Karachi Tax Bar Association. Key Achievements: Presentation to IMF on Single Stage Sales Tax in December 2015 Visited Turkey as an official of Government of Pakistan to study Turkish Tax System and authored a report on Turkish Taxation System Knowledge of more than 40 Jurisdictions around the Globe and…

Conversation with Mr Majyd Aziz — Former President, Karachi Chamber of Commerce and Industry PAKISTAN & GULF ECONOMIST had an exclusive conversation with Mr Majyd Aziz regarding FEDERAL BUDGET 2022-23. Excerpts of the conversation are as follows: Sitting in front of the TV, watching and listening to a Finance Minister presenting the Federal Budget is an annual ritual that trade and industry performs, usually without fail. In the days of Ghulam Ishaq Khan, the radio was the main medium. GIK would present the entire budget in his monotonous voice and, by the time the speech would end, the business community…

Conversation with Dr. Ayub Mehar, a renowned economist PAKISTAN & GULF ECONOMIST had an exclusive conversation with Dr. Ayub Mehar regarding FEDERAL BUDGET 2022-23. Excerpts of the conversation are as follows: Though federal budget 2022-23 has been discussed by the various segments of the society including supporters of the coalition government, PTI supporters, business community, salaried persons and common people, however, the most considerable point is that all the comments on the budget are based only on the budget speech and the ‘Salient features of the budget’ prepared by the Ministry of Finance and presented by the Finance Minister. But, reality…

Interview with Mr Gul Muhammad Lot – Chairman, Mehran Spice & Food Industries PAGE: Tell me something about yourself and your organization, please: Gul Muhammad Lot: I was born in Pakistan in the Diplo area of Thar District in Sindh. At a very young age, I have joined my Father, (late) Mr. Ghullam Muhammad Lot in his business. As far as education, I have completed my bachelors in administration from the London School of Business and obtain master’s degree in political science from the University of Sindh, Hyderabad. I served as politician career as well and leave senate in 2015.…

Interview with Rafiq Rangoonwala – CEO, Quick Foods Industries (MonSalwa) PAGE: Tell me something about yourself and your organization, please: Rafiq Rangoonwala: I am presently working as CEO of Quick Foods Industries (MonSalwa). I have extensive experience of over 40 years in creating, building and leading key Fast Food Brands in Pakistan and across the globe including KFC, Burger King, TGIF, Hardees, Pizza Hu, Harry Ramsden etc. Currently, I am on the Advisory Board of Ijara Capital, Advisor to Bahria University Karachi, Member Scientific Panel at Sindh Food Authority and also I am the founder President of Pakistan Food Association.…

All possible assistance needed to meet export target Conversation with Mr Waheed Ahmed — Patron-in-Chief, All Pakistan Fruit and Vegetable Exporters Association (PFVA) PAKISTAN & GULF ECONOMIST sought perspective of Mr Waheed Ahmed about the decline in mango production during the current season. The excerpts are as below: Due to climate change, shortage of electricity and diesel, increase in cost of packaging processing and high freight charges, exporters as well mango growers have to face a crisis during the current mango season. Pakistan is facing a 50% drop in mango production this year due to the effects of climate changes…

Since its inception in 2020, Pakistan Stock Exchange’s (PSX) Growth Enterprise Market (GEM) Board is progressively gaining traction and now proudly lists the third growth enterprise on the Stock Exchange, Supernet Limited (SL). The GEM Board is a listing platform created to facilitate growth enterprises, whether small, medium or greenfield businesses, for their capital raising needs. A Gong Ceremony was held to announce the listing of Supernet on PSX’s GEM Board. The Ceremony was attended by COO PSX, Nadir Rahman; Advisor Supernet Limited, Shams Arfeen; CEO Supernet Limited, Jamal Nasir Khan; CEO Topline Securities, Mohammed Sohail and senior management of…

Interview with Dr. Syed Arif Hussain — General Manager Marketing and Compliance, Alpha Insurance Company Limited Profile: Dr. Syed Arif Hussain is General Manager Marketing and Compliance at Alpha Insurance Company Limited. He has gotten expertise in management, resource development, marketing and execution of business strategies. His professional experience is spread over 24 years at progressive senior level positions and has the experience of underwriting, reinsurance, claims management and marketing with the State Life Insurance Corporation of Pakistan, Dawood Family Takaful Limited and as a Chief Executive Officer. He also headed Takaful Pakistan Limited a Non-Life Takaful Company and Excel…

Interview with Muhammad Nasir Ali Syed — Executive Director Health & Emerging Lines, Salaam Takaful Limited PAGE: Tell me something about yourself, please: Muhammad Nasir Ali Syed: I did my master’s and gained my professional experience in Insurance & Takaful Industry. I chose that field because of my nature, and I’ve always been interested in helping people in a time of need. There is no bigger satisfaction in the world than to help a fellow human being and get his honest blessings in return. I firmly believe in developing a vision in life and planning accordingly. Without vision and purpose, one…

Interview with Mr Naim Anwar – Chairman, Pakistan Insurance Institute PAGE: Tell me something about yourself, please: Naim Anwar: I did my graduation from Karachi and then followed ACCA as a background. After working nearly ten years in London in textiles and leather sectors, came back to Pakistan in 1992 and since 1993 entered insurance industry by joining Adamjee Insurance Limited, where I parted as Executive Director and joined PICIC Insurance Limited as Deputy Managing Director. With the change of management at Crescent Star Insurance Limited, one of the oldest insurance firm in Pakistan, I got associated as Managing Director &…

Remittances from Gulf nations remarkable, need to improve relations with others for better outcome Interview with Mr Hamad Rasool Bhullar — an analyst PAGE: Tell me something about yourself, please: Hamad Rasool Bhullar: I am currently working with a large public sector organization. With respect to my work with the financial sector, I have been involved in research and training for over 28 years and so far, and conducted over 300 trainings on different aspects of Finance, Business Ethics, Audit and Corporate Governance from basic concepts to professional applications in Projects Finance, Shariah Compliant risk management, investment management and Corporate Governance…

Islamic mutual funds have the potential for unprecedented growth Sukuk issuances will keep growing in future Al Meezan hold on to offering valuable and advance products Interview with Mohammad Shoaib – CFA and CEO, Al Meezan Investments PAGE: Tell me something about yourself, please? Mohammad Shoaib: I have the honor of being the founding CEO of Al Meezan Investment Management Ltd (AMIM), which is the first and still the only full-fledged Shariah Compliant Asset Management Company in Pakistan. Al Meezan Investments is managing investments of over Rs.186 Billion USD 1.05 Billion (as on January 31, 2022) across 19 mutual funds/pension funds…

Gulf countries may continue to contribute over 50pc of remittances into Pakistan Inflows from the diaspora of US witnessed growth of 47pc Interview with Syed Ali Raza Bukhari — National Investment Trust Limited PAGE: Tell me something about yourself, please: Syed Ali Raza Bukhari: Prior to joining National Investment Trust Limited in 2018, I have had the opportunity to set up and successfully manage a Pakistan Stock Exchange Member Brokerage firm, bringing it up as a boutique institutional trading platform. I have also been associated with the asset management industry for quite some time now, spreading my 17 years of specialized…

Interview with Dr. Ayub Mehar — a renowned economist PAGE: Tell me something about yourself, please: Dr. Ayub Mehar: I am associated as ‘Economic Advisor’ with the Employers’ Federation of Pakistan and serving as ‘Professor’ in Iqra University Karachi (Pakistan). I have been serving as ‘Economic Advisor’ of the Economic Cooperation Organization (ECO) Chamber of Commerce for 3 years and also ‘Director General’ in the Federation of Pakistan Chambers of Commerce and Industry (FPCCI) for 7 years. Development Financing, Macroeconomic Policies, International Trade and Finance are areas of my interest. I have completed several policy research studies on strategic issues including,…

Interview with Syeda Saima Zaidi, — an analyst Syeda Saima Zaidi is a renowned academician. PAKISTAN & GULF ECONOMIST had an exclusive conversation with Syeda Saima Zaidi vis-à-vis ISLAMIC FINANCE. Following are the excerpts of the conversation: If we go through the last speech of Muhammad Ali Jinnah, he mentioned categorically that he wanted to see Islamic system of economy in Pakistan. “I will look very closely at the work of your Research Organization in developing banking practices that are in line with Islamic socio-economic ideals. In this way we will be fulfilling our mission as Muslims and delivering to…

Sukuks must also be allowed for public-private partnership projects Interview with Mr Hamza Khalil Chaudhry, an academician PAGE: Tell me something about yourself, please: Hamza Khalil Chaudhry: I am currently working as assistant professor at SZABUL. I have more than twenty two years of corporate, audit, law, in addition to teaching experience. I used to teach at many leading business schools of Karachi. PAGE: Although Islamic finance began in the seventh century, it has been formalized gradually since the late 1960s. How would you comment on it? Hamza Khalil Chaudhry: Paper currency and Bretton wood systems changed the shape of banking from…

Interview with Mr Rehan Waheed — Islamic Finance Expert Profile: Mr Rehan Waheed started his career with Meezan Bank in 2006 through its first batch trainee program and received comprehensive training at the Institute of Bankers Pakistan before his placement in the Bank. After serving at multiple positions in branch banking, he is currently leading the Bank’s Shariah Advisory Unit – a position he is currently serving at in the Investment Banking & Shariah Advisory department of Meezan Bank. At Meezan Bank, he has been actively engaged in developing unique and complex Sukuk structures including Sukuk at discount to face value,…

Interview with Mr. Barkatullah Lone, from Saudi Arabia Profile: Mr. Barkatullah Lone is Chairman of GB International Economic Forum and a renowned young Economist of Pakistan. He was ranked in the top ten Economists of Pakistan in the year 2017. He is a Chartered Accountant from England & Wales, Chartered Management Accountant from UK, Chartered Certified Accountant from UK, Chartered Global Management Accountant from the USA, Gold Medalist Management Accountant, Public Finance Accountant from Pakistan plus he holds master’s degree in Economics and Law from Karachi University. He has been associated with the corporate sector in Finance and Audit profession at…

Govt must produce more skilled workers to achieve better economic goals Interview with Mr Zaheer Ahmed — a Pakistani working in the UAE PAGE: Tell me something about yourself, please: Zaheer Ahmed: I am an overseas Pakistani residing in the UAE for more than 11 years. I got my all education in Pakistan. I started working in Pakistan after the completion of my education and later on got an opportunity in the UAE. I applied for the job and fortunately got the job and have been living in the UAE ever since. PAGE: What is your take on Roshan Digital Accounts? Zaheer…

Profile of Sarim Burney: Mr. Sarim Burney was born in Karachi on 2nd December 1970. He started human rights work in 1990 at age of 20. Being involved in social work, he saw and experienced unease, concerns and sufferings of the people which inspired him to establish organization/ trust to address the anxieties of the down trodden and oppressed segment of society. In fact Mr. Sarim Burney tried to find out a way to bring about awareness among people about their legal rights, and for that purpose he practically visited different places and studied the cases. During this period he…

IHHN opening up more healthcare facilities and benefits Indus Hospital & Health Network (IHHN) has become one of the leading organizations where the impoverished could get free-of-cost medical treatment with dignity. IHHN has made strides during 2021-22. The following were shared by the management of IHHN with PAKISTAN & GULF ECONOMIST. The COVID-19 pandemic was one of the most defining phenomena over the past year as it continued its 4th wave worldwide. While Indus Hospital & Health Network (IHHN) made remarkable efforts to contain the spread and causality rate of the virus throughout the year, 2021-22 marked many other notable…

Aaghosh Trust has been rendering its services since 2003 through different projects to provide essential and functional services to the senior citizens, handicapped, widows and helpless citizens who have no resources in this world. For last 18 years, Aaghosh Trust has been serving these people and providing 24-hour services through following different projects. Aaghosh Old Home is a major project through which elderly, disabled, orphans, widows and deserving helpless mothers who have lost their guardians, fathers, sons or husbands due to accidental or natural death and have no support in this world, are getting 24-hour shelter with three times hygienic meal, medical…

Green Crescent Trust (GCT) is among very few credible names with outstanding 3000+ existing and ongoing charity projects for the last 28 years. Green Crescent Trust intends to start 350 new schools in next 5 years. SAF-GCT charitable alliance: The alliance between two leading non-profit contributors of Pakistan to educate children of underprivileged communities was able to get massive support of leading businessmen and industrialists from Lahore for the schooling of at least 10,000 out-of-school children. The third joint fundraiser of Shahid Afridi Foundation (SAF) and Green Crescent Trust (GCT) was held in Lahore at a local hotel as it…

Every Pakistani remember this day with full zeal and fervour Interview with Dr Asia Saif Alvi — a dynamic young political analyst [box type=”shadow” align=”” class=”” width=””]Profile: Dr Asia Saif Alvi is a dynamic young political analyst from Lahore. After finishing her school and college education, she went to Islamabad for Masters from Quaid-e-Azam University. After doing her Masters, she joined a local college in Lahore for teaching. Simultaneously, she got admission to Government College University Lahore for her MPhil in the political science department. Meanwhile, she quit her college job and started working at the Virtual University of Pakistan…

SZABUL rightly committed to guide on Pakistan’s struggle for independence and unity Interview with Dr. Kashif Riaz — Associate Professor, Shaheed Zulfiqar Ali Bhutto University of Law (SZABUL) [box type=”shadow” align=”” class=”” width=””]Profile: Dr. Kashif Riaz, Associate Professor, PhD in Management Sciences is associated with Shaheed Zulfiqar Ali Bhutto University of Law (SZABUL). He has published several research papers in numerous national and international journals that are recognized by Higher Education Commission of Pakistan. Teaching and training have been his passion. He is associated with the education sector for more than 18 years. He has participated in numerous national and…