Pakistan
Thank you President Dr. Arif Alvi for your kind Consideration
Fariyal Mir
Published
5 years agoon
Women’s financial inclusion, digital empowerment vital to improving economy: President. women are capable of doing anything. They just need support and encouragement.
ISLAMABAD, Sep 17 (APP): President Dr. Arif Alvi Friday said that the inclusion of women in the financial mainstream, as well as their digital empowerment, would bring about economic stability besides many other intangible benefits to the society.
The president, addressing the launching ceremony of State Bank’s policy on “Banking on Equality” to ensure women’s financial inclusion, said a financially independent woman could not be exploited.
First Lady Samina Alvi, parliamentarians, State Bank Governor Raza Baqir, SBP Deputy Governor Seema Kamil, CEOs of banks and financial institutions attended the event.
The president said the women’s financial inclusion would also significantly improve the country’s GDP as women were more reliable handlers of the financial products as had also been experienced in Bangladesh as well as Pakistan.
He said with the changing dynamics of the society marking minimizing needs of physical labor, the women could easily play their role in the society by using the internet and other digital tools.
With the five pillars of diversity, inclusion, accessibility, transparency, and leadership, the policy has set a target of around 20 million women’s bank accounts by 2023. Currently, only 13% of the bank staff and 1% of branchless banking agents are women.
Under the policy, the financial institutions would be asked to ensure a minimum of 20% female participation in the workforce by 2024.
President Alvi told the gathering that opening a bank account of women was just one method of financial inclusion as it would open up more avenues.
He said a secure environment was inevitable for the women to make them play a productive role as the security of their children was always the family’s top priority.
At the same time, the president said it was also equally essential to teach the society on ethics and its responsibilities, exemplifying the Minar-e-Pakistan incident where the people opted to film the female harassment scene instead of forbidding the wrongdoers.
The president said it was unfortunate that Pakistan lagged behind in the number of women bank account holders comparing other Muslim countries and appreciated the SBP’s target of 20 million women bank accounts by 2023 as proposed in the policy.
He also suggested that the number of women’s bank accounts could have a quantum jump if Ehsaas disbursements to all 17 million women were switched through banking channels instead of cash. It will also ensure women’s enhanced control over the money, he added.
Referring to the passage of a law to protect women’s property rights, the president also appreciated a decision of the Balochistan High Court barring women from gifting their inherited property to anyone unless it was transferred to her.
President Alvi urged the women parliamentarians to be aware women about the loan amount specified by banks for women which currently remained under-utilized.
At the end, the president also reiterated his message for self-examination and early diagnosis of breast cancer as October would be observed as a month for awareness on the disease. He said owing to delayed diagnosis, the mortality rate in Pakistan was 50%, comparing just 2% in the world.
Earlier, State Bank Governor Raza Baqir presented a copy of the policy to the president which will assign outreach targets for saving and credit products to enhance access, usage, and quality of financial services to women.
In his address, Raza Baqir said the policy had been finalized after detailed consultation with all the stakeholders.
He said Pakistan lagged far behind among Muslim countries vis-à-vis the number of women bank account holders which were 70% in Saudi Arabia, UAE 76%, Turkey 54%, and Malaysia 82%.
He said the extension of the digital account opening facility across Pakistan would also help enhance the number of account holders including men and women. He also thanked the banks and other financial institutions for supporting the central banks in policy formulation and also urged them to own and implement the document.
Earlier, Seema Kamil said it was a historic day for women of Pakistan as financial inclusion was their right. She said being gender-neutral had not been enough, so it was required to adopt a gender intentional approach.
She asked the banks to provide a conducive environment, welcome, value, and respect their women customers to encourage their financial inclusion.
CEO of Froward Sports Khawaja Masood, whose company was effectively promoting the objective, said women’s financial inclusion would cast a substantial impact on the national economy. He said the financial institutions should ensure that their respect and grace were not compromised. CEO of Standard Chartered
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Pakistan
Lalak Jan; The living hero of the Kargil war
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Published
2 weeks agoon
July 7, 2026By
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Lalak Jan the living hero of this land can never be forgotten. The legend was a Havaldar in the Pakistan Army who was in the Northern Light Infantry regiment during the Kargil battle fought between Pakistan and India from May to July 1999. Lalak Jan lost his temporary life in the war but gained forever life eternally and also in the heart of the people. And he was awarded Pakistan’s highest rank military award, Nishan-e-Haider. Today on his death anniversary people are paying tributes to him. It has been almost 22 years of his death but he is living in the heart of Pak-army and all the nation. As ISPR has paid homage to Lalak Jan on his great day.
ISPR stated that: “Nation pays homage to Havaldar Lalak Jan, NH, who laid his life defending the motherland against (great) odds in most challenging battlefield environment during the Kargil conflict on 7 July 99. His fortitude and selflessness will keep inspiring the indomitable defenders of Pak for times to come.”
Lalak Jan belonged to Gilgit Baltistan but he is the legend of the nation. Indeed Lalak Jan can never be replaced by anyone but there are many Lalak Jan for our piece of land. We are one nation (AikQaum), we are Pakistanis.
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Captain Karnal Sher Khan Shaheed: The Invader
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Captain Karnal Sher Khan Shaheed had fought no less than an invader during the Kargil war at the Line of Control. He defended five strategic posts and countered the continuous attack by chasing and raids.
The face of bravery was born on the 1st of January 1970. He belonged to the land of Swabi in KPK and from there he completed his intermediate from Government Post-Graduate College Swabi and then joined Pakistan Army. He was commissioned in the 27th Sind Regiment on 14 October 1994. Captain Karnal Sher Khan emerged as the symbol of mettle and courage during the Kargil conflict at the Line of Control. He set up personal examples of bravery and inflicted heavy losses on the enemy.
He defended five strategic posts, which he established with his soldiers at the height of 17,000 feet in the Gultary area. On 5 July 1999, Indians, with the help of two battalions, managed to capture some portion of one of his posts. Despite facing all odds, he led a counter-attack and re-captured the lost portion. Captain Karnal Sher Khan also chased the enemy and conducted many raids in the enemy area. During one such raid, he went inside the enemy camp where he inflicted heavy losses. During the battle, he received a burst of fire in the chest and embraced ‘SHAHADAT’ on 5 July 1999.
He was awarded Nishan-e-Haider for all his bravery. The notion of all martyrs is well described in this verse:
“Ham Haq Par Jan Lutayan Ga Ham Shoq-e-Shahadad Wala Hay
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Markhor: The Majestic National Animal of Pakistan
Published
3 weeks agoon
June 29, 2026By
EDITOR
The Markhor, Pakistan’s national animal, is a symbol of the country’s natural beauty, resilience, and strength. With its striking, spiral horns and graceful stature, the Markhor is one of the most distinctive and remarkable wild goats found in the mountainous regions of northern and western Pakistan. As a creature of both cultural significance and ecological importance, the Markhor represents Pakistan’s commitment to preserving its wildlife and natural heritage.
Physical Characteristics: Nature’s Masterpiece
The Markhor is renowned for its majestic, corkscrew-shaped horns, which can grow up to 1.5 meters (5 feet) in length in males. These horns are its most striking feature and distinguish it from other wild goats. The animal’s name, “Markhor,” is believed to be derived from the Persian words “Mar” (snake) and “Khor” (eater), referring to the belief that the animal has the ability to kill or fight off snakes, though this is more folklore than fact.
Male Markhors are larger than females, and their horns are more prominent and elaborately twisted. They also have a longer coat, especially during the colder months, with a thick beard that gives them a regal appearance. Females, while smaller and with less prominent horns, are equally agile and graceful.
Habitat: Mountainous Majesty
The Markhor thrives in rugged, mountainous terrains at elevations ranging from 600 to 3,600 meters (1,970 to 11,800 feet). It is primarily found in the northern and western regions of Pakistan, particularly in the Himalayas, Hindu Kush, and Karakoram mountain ranges. The provinces of Gilgit-Baltistan, Khyber Pakhtunkhwa, and parts of Balochistan serve as key habitats for these wild goats.
Adapted to the harsh, rocky landscapes of these regions, the Markhor is a skilled climber, able to traverse steep cliffs and narrow ridges with ease. This agility not only helps it evade predators but also aids in foraging for food in difficult terrain.
Conservation Status: A Story of Recovery
The Markhor was once on the brink of extinction, largely due to illegal hunting, habitat loss, and competition with domestic livestock. By the late 20th century, its population had dwindled alarmingly, and the species was classified as endangered by the International Union for Conservation of Nature (IUCN).
In response, the government of Pakistan, along with international conservation organizations, launched several initiatives to protect the Markhor. Strict hunting regulations were imposed, and community-led conservation programs were introduced. These efforts have been remarkably successful, leading to a gradual recovery in the Markhor population. In 2015, the IUCN downgraded the Markhor’s status from “endangered” to “near-threatened,” recognizing the positive impact of conservation efforts.
One of the most successful conservation models has been the community-based trophy hunting program. Local communities are given a quota for limited hunting permits, which are auctioned to international hunters. A significant portion of the revenue generated goes back to the local communities, providing them with a financial incentive to protect the Markhor and its habitat.
Cultural and National Significance
The Markhor holds a special place in the cultural and national identity of Pakistan. As the country’s national animal, it represents the resilience, strength, and beauty of Pakistan’s wilderness and people. Its unique appearance and ability to survive in challenging environments resonate with the values of courage and endurance.
In local folklore, the Markhor is often seen as a creature with mystical powers. The spiral horns are sometimes viewed as a symbol of wisdom and leadership, reflecting the Markhor’s status as the “king” of the mountain goats. Additionally, the animal is associated with bravery and strength, qualities that align with the spirit of Pakistan.
The image of the Markhor is also featured prominently in various emblems and logos throughout Pakistan, including the insignia of the Pakistan Army’s elite Special Services Group (SSG). Its representation in official symbols highlights the national pride and reverence the country has for this majestic animal.
Behavior and Diet: A Survivor of Harsh Environments
Markhors are primarily herbivores, feeding on grasses, leaves, and shrubs, depending on the season. During the summer, they graze on a variety of plants found in the high-altitude meadows. In the winter months, when food is scarce, they move to lower altitudes, foraging for any available vegetation, including leaves, twigs, and bark.
They are social animals, often found in small herds, typically consisting of females and their young. Males tend to be solitary, except during the mating season, when they join the herds to compete for mates. The rutting season, which occurs in the winter, is marked by intense competition among males, with dramatic horn clashes that can last for hours.
Challenges and Future of the Markhor
Despite the success of conservation efforts, the Markhor still faces significant challenges. Habitat loss due to deforestation, expanding agriculture, and infrastructure development continues to threaten the regions where they live. Additionally, climate change poses a long-term risk, potentially altering the ecosystems that support the Markhor.
Continued conservation efforts are crucial to ensuring the long-term survival of the Markhor. Sustainable management of its habitat, strict enforcement of anti-poaching laws, and ongoing community involvement in conservation programs are all vital to maintaining and expanding the Markhor population.
Conclusion: A Symbol of Pakistan’s Natural Heritage
The Markhor is more than just a wild goat; it is a symbol of Pakistan’s natural beauty and the country’s commitment to preserving its unique wildlife. Its recovery from the brink of extinction is a testament to the power of conservation and the importance of protecting the natural world for future generations. As Pakistan’s national animal, the Markhor stands as a proud representation of the country’s strength, resilience, and rich ecological heritage.
To see the Markhor thriving in the mountains of northern Pakistan is to witness nature at its most magnificent—a reminder of the beauty that still exists in our world and the responsibility we all share to protect it.
Lalak Jan; The living hero of the Kargil war
Captain Karnal Sher Khan Shaheed: The Invader

