Prime Minister Youth Program Loan Scheme 2013

Prime Minister of Pakistan Mian Muhammad Nawaz Sharif has announced Small Business Loans Scheme for unemployed educated youth to establish new enterprises across Pakistan. 100,000 loans would be disbursed under the scheme..

Prime-Minister-Small-Business-Loans-Scheme-2013

How To Apply and Registration Process

You can apply in PM’s Scheme for Small Business Loans Scheme as per eligibility criteriamentioned below. The federal cabinet has already given approval to all these initiatives.

All arrangements for the implementation of these programs have been completed. TheSmall Business Loans program will be completely on merit basis and transparent.

Therefore only eligible people should apply for this program. Government of Pakistan will announce the registration procedure with application forms after November 2013 and beregistered soon.

Eligibility criteria:

An individual, male or female, of age not more than 35 years and has an entrepreneurial potential is eligible to apply for the scheme.

Focus on women:

It is believed that increased economic participation by women can play a significant role in national development. In an attempt to encourage the same, 50% of loans will be given to female borrowers.

In addition, independent economic activity will empower Pakistani women both socially and in terms of finances.

Debt-Equity ratio:

A 90:10 debt-equity ratio would be followed with tenor of up to 7 years.

Pricing:

It is fixed at 8% for the borrower. However, the difference in the cost will be paid by the Federal Government at KIBOR+500 bps.

Refinancing:

The State Bank of Pakistan shall explore providing 50% refinance at the risk of participating banks.

Risk mitigation:

Government will share 50% of losses subject to a maximum of 10% of the loan amount.

Number of Loans:

100,000 loans would be disbursed under the scheme.

Size of Loan:

The amount of each loan can range from Rs.0.5 million to Rs 2.0 million.

Average Loan Size:

The average loan size would be Rs.1.25 million.

Allocation in Budget 2013-14:

Rs.5 billion have been allocated in the budget for the financial year 2013-2014.

Executing agency:

In the initial phase of the scheme, the National Bank of Punjab and First Women Bank would act as the executing agencies of the scheme under the guidance and supervision of the State Bank of Pakistan. Other Banks will be encouraged to join.

Sectors and Products:

The scheme encompasses all sectors of the economy. Standardized schemes,projects, undertakings will be designed by SMEDA. Additionally, projects designed by private sector service providers and individuals are included in the scope of the scheme.

HOW TO APPLY

You can apply in PM’s Scheme for Provision of Qarz e Hasna as per eligibility criteria mentioned below. The federal cabinet has already given approval to all these initiatives.

Therefore only eligible candidates should apply for this program.

Prime Ministry Youth Program Loan Scheme Application Form (Coming Soon) 
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Are you Ready for Ramadan?

Before embarking on a journey, most travellers will prepare for it either physically or mentally. Since Ramadan is just around the corner, here is a quick checklist to better prepare ourselves for this journey of test…..Let’s start from head to toe:-

1. Head (Brain)
Are our minds clear on what are we expected or required to do and why?

a. YES. (it’s the third pillar of ISLAM and to seek ALLAH’s mercy and love).
b. NO.. (check again..!! This is not a joke!).

2. Eyes
Are we ready to even lower our gazes further?..

a. YES.. (Hopefully, our eyes will be “shut” to anything “haram” even more than our normal days)…
b. NO… (please get hold of a blindfold!)..

3. Ears
Are we ready not to listen to anything but only good such AL QURAN recital, religious speeches etc.?

a. YES.. (All radio and television programmes are tuned to ISLAMIC channels).
b. NO… (Earplug anybody?).

4. Mouth
Are we going to blabber unnecessarily?

a. YES.. (Silence is golden applied here).
b. NO… (Allhumdulilah, only Quranic verses will come out from the mouth this Ramadan!..SURE?..TRY no harm trying, Insha’Allah).

5. Heart
Are we doing it for the sake of ALLAH SWT alone or are we doing it to loose weight?..

a. YES… (Only ALLAH will know our true “niat” (our intentions) and feeling).
b. NO…. (Throw that weighing scale, diet manual, exercise machine…clean your heart and focus)..

6. Hands
Are we going to give alms, zakat and be helpful (lending a hand)..?

a. YES.. (Allhumdulilah, make sure what the right hand gives the left hand does not know).
b) NO… (Cut your hand..(KIDDING)..ISLAM is not cruel! Just do not do any harm to others with your hands).

7. Private Part (Sex)
Lets keep this very private..however for those who are married please exercise restrain? Those who are not married …DON’T EVEN THINK ABOUT IT (period!)..

a. YES.. (Allhumdulilah fasting is not only avoiding eating or drinking but to curb our other lusts too).
b. NO… (I do not know what to say….will chastity belts for both men and women do?)..

8. Legs
Are we going an extra mile to make sure our legs are going to ferry us to and fro the mosque?

a. YES.. (Every step to the mosque is a blessing for us).
b. NO… (get ready the chain..?).

Now if your answers are all YES (except for question 4) then you are ready to embark on this “tough” 30 days journey…..If not please go to your nearest convenient store and do a restocking fast!!

I wish all Muslims the best of IMAN and happy travelling. Rasulullah saw ever mentioned that there are some who fast but gain nothing, only hunger and thirst..we do not want to
be in these category.

ramadan karim mobarak

Elections 2013 Results And Party Position In National Assembly

Following are the general election results 2013 for Pakistan National Assembly  held on (today) 11th may 2013. See which party got the most seats and win from which cities or villages. Complete score card of Election Results 2013 for Pakistan National Assembly (NA).

Khyber Pukhtunkhwa KPK  (Total Seats 35)

Name of City & Constituencies Winner Party
Winner Candidates
Votes
NA-1 Peshawar-I  PTI  Imran Khan  90434
NA-2 Peshawar-II  PTI  Hamid Ul Haq  78948
NA-3 Peshawar-III   PTI  Sajid Nawaz  67214
NA-4 Peshawar-IV  Awaited
NA-5 Nowshera-I  PTI  Pervez Khattak  69873
NA-6 Nowshera-II  PTI  Siraj Muhammad Khan  54140
NA-7 Charsadda-I  JUI (F)  Muhammad Gohar Shah  53492
NA-8 Charsadda-II Qaumi Watan Party (Sherpao)  Aftab Ahmad Khan Sherpao 37005
NA-9 Mardan-1  ANP  Amir Haider Khan  44701
NA-10 Mardan-II  PTI  Ali Muhammad Khna  46236
NA-11 Mardan-III  Awaited
NA-12 Swabi-I  Awami Jamhuri Ittehad Pakistan  Usman Khan Tarrakai  56148
NA-13 Swabi-II  Awaited
NA-14 Kohat  Awaited
NA-15 Karak  Awaited
NA-16 Hangu  PTI  Khial Zaman  23909
NA-17 Abbottabad-I  PTI  Dr Azhar Khan Jadoon  96185
NA-18 Abbottabad-II  Awaited
NA-19 Haripur  PTI  Raja Aamer Zaman  116579
NA-20 Mansehra-I  Awaited
NA-21 Mansehra-II  PML (N)  Capt R Muhammad Safdar  90408
NA-22 Battagram  JUI (F)  Qari Mohammad yousif  18075
NA-23 Kohistan  Independent  Sarzameen  16766
NA-24 D.I.Khan  JUI (F)  Molana Fazal Ur Rehman  91834
NA-25 D.I.Khan-cum-Tank  Awaited
NA-26 Bannu  Awaited
NA-27 Lakki Marwat  Awaited
NA-28 Bunair  JI  Sher Akbar Khan  28264
NA-29 Swat-I   PTI  MURAD SAEED  88291
NA-30 Swat-II  Awaited
NA-31 Shanglapar  PML (N)  IBADULLAH  29728
NA-32 Chitral  All PML  Iftikhar ud Din  29772
NA-33 Upper Dir-cum-Lower Dir                     JI  Sahibzada Tariq Ullah  41573
NA-34 Lower Dir  JI  Shahib Zada Muhammad Yaqub  46968
NA-35 Malakand

Fata (Total Seats 14)

NA-36 Tribal Area-I
NA-37 Tribal Area-II
NA-38 Tribal Area-III
NA-39 Tribal Area-IV
NA-40 Tribal Area-V
NA-41 Tribal Area-VI
NA-42 Tribal Area-VII
NA-43 Tribal Area-VIII
NA-44 Tribal Area-IX
NA-45 Tribal Area-X
NA-46 Tribal Area-XI
NA-47 Tribal Area-XII

Federal   (Total Seats  02)

NA-48 Islamabad-I
NA-49 Islamabad-II

Punjab  (Total Seats  145)

NA-50 Rawalpindi-I
NA-51 Rawalpindi-II
NA-52 Rawalpindi-III
NA-53 Rawalpindi-IV
NA-54 Rawalpindi-V
NA-55 Rawalpindi-VI
NA-56 Rawalpindi-VII
NA-57 Attock-I
NA-58 Attock-II
NA-59 Attock-III
NA 60 Chakwal I
NA-61 Chakwal-II
NA-62 Jhelum-I
NA-63 Jhelum-II
NA-64 Sargodha-I
NA-65 Sargodha-II
NA-66 Sargodha-III
NA-67 Sargodha-IV
NA-68 Sargodha-V
NA-69 Khushab-I
NA-70 Khushab-II
NA-71 Mianwali-I
NA-72 Mianwali-II
NA-73 Bhakkar-I
NA-74 Bhakkar-II
NA-75 Faisalabad-I
NA-76 Faisalabad-II
NA-77 Faisalabad-III
NA-78 Faisalabad-IV
NA-79 Faisalabad-V
NA-80 Faisalabad-VI
NA-81 Faisalabad-VII
NA-82 Faisalabad-VIII
NA-83 Faisalabad-IX
NA-84 Faisalabad-X
NA-85 Faisalabad-XI
NA-86 Chiniot (Jhang-I)
NA-87 Jhang-II
NA-88 Jhang-III
NA-89 Jhang-IV
NA-90 Jhang-V
NA-91 Jhang-VI
NA-92 T.T.Singh-I
NA-93 T.T.Singh-II
NA-94 T.T.Singh-III
NA-95 Gujranwala-I
NA-96 Gujranwala-II
NA-97 Gujranwala-III
NA-98 Gujranwala-IV
NA-99 Gujranwala-V
NA-100 Gujranwala-VI
NA-101 Gujranwala-VII
NA-102 Hafizabad-I
NA-103 Hafizabad-II
NA-104 Gujrat-I
NA-105 Gujrat-II
NA-106 Gujrat-III
NA-107 Gujrat-IV
NA-108 M.B.Din-I
NA-109 M.B.Din-II
NA-110 Sialkot-I
NA-111 Sialkot-II
NA-112 Sialkot-III
NA-113 Sialkot-IV
NA-114 Sialkot-V
NA-115 Narowal-I
NA-116 Narowal-II
NA-117 Narowal-III
NA-118 Lahore-I
NA-119 Lahore-II
NA-120 Lahore-III
NA-121 Lahore-IV
NA-122 Lahore-V
NA-123 Lahore-VI
NA-124 Lahore-VII
NA-125 Lahore-VIII
NA-126 Lahore-IX
NA-127 Lahore-X
NA-128 Lahore-XI
NA-129 Lahore-XII
NA-130 Lahore-XIII
NA-131 Sheikhupura-I
NA-132 Sheikhupura- cum- Nankana
NA-133 Sheikhupura-II
NA-134 Sheikhupura- cum-Nankana Sahib-II
NA-135 Nankana Sahib-I
NA-136 Nankana Sahib-cum- Sheikhupura
NA-137 Nankana Sahib-II
NA-138 Kasur-I
NA-139 Kasur-II
NA-140 Kasur-III
NA-141 Kasur-IV
NA-142 Kasur-V
NA-143 Okara-I
NA-144 Okara-II
NA-145 Okara-III
NA-146 Okara—IV
NA-147 Okara-V
NA-148 Multan 1
NA-149 Multan II
NA-150 Multan-III
NA-151 Multan-IV
NA-152 Multan-V
NA-153 Multan-VI
NA-154 Lodhran-I
NA-155 Lodhran-II
NA-156 Khanewal-I
NA-157 Khanewal-II
NA-158 Khanewal-III
NA-159 Khanewal-IV
NA-160 Sahiwal-I
NA-161 Sahiwal-II
NA-162 Sahiwal-III
NA-163 Sahiwal-IV
NA-164 Pakpattan-I
NA-165 Pakpattan-II
NA-166 Pakpattan-III
NA-167 Vehari-I
NA-169 Vehari-III
NA-170 Vehari-IV
NA-171 D.G.Khan-I
NA-172 D.G.Khan-II
NA-173 D.G.Khan-III
NA-174 Rajanpur-I
NA-175 Rajanpur-II
NA-176 Muzaffargarh-I
NA-177 Muzaffargarh-II
NA-178 Muzaffargarh-III
NA-179 Muzaffargarh-IV
NA-180 Muzaffargarh-V
NA-181 Layyah-I
NA-182 Layyah-II
NA-183 Bahawalpur-I
NA-184 Bahawalpur-II
NA-185 Bahawalpur-III
NA-186 Bahawalpur-IV
NA-187 Bahawalpur-V
NA-188 Bahawalnagar-I
NA-189 Bahawalnagar-II
NA-190 Bahawalnagar-III
NA-191 Bahawalnagar-IV
NA-192 R.Y.Khan-I
NA-193 R.Y.Khan-II
NA-194 R.Y.Khan-III
NA-196 R.Y.Khan-V
NA-197 R.Y.Khan-VI

Sindh (Total Seats 61)

NA-198 Sukkur-I
NA-199 Sukkur-II
NA-200 Ghotki-I
NA-201 Ghotki-II
NA-202 Shikarpur-I
NA-203 Shikarpur-II
NA-204 Larkana-I
NA-205 Larkana-II
NA-206 Larkana-III
NA-207 Larkana-IV
NA-208 Jacobabad-I
NA-209 Jacobabad-II
NA-210 Jacobabad-III
NA-211 Naushero Feroze-I
NA-212 Naushero Feroze-II
NA-213 Nawabshah-I
NA-214 Nawabshah-II
NA-215 Khairpur-I
NA-216 Khairpur-II
NA-217 Khairpur-III
NA-218 Hyderabad-I
NA-219 Hyderabad-II
NA-220 Hyderabad-III
NA-221 Hyderabad-IV
NA-222 Hyderabad-V
NA-223 Hyderabad-VI
NA-224 Badin-I
NA-225 Badin-II
NA-226 Mirpurkhas-I
NA-227 Mirpurkhas-II
NA-228 Mirpurkhas-III
NA-229 Tharparkar-I
NA-230 Tharparkar-II
NA-231 Dadu-I
NA-232 Dadu-II
NA-233 Dadu-III
NA-234 Sanghar-I
NA-235 Sanghar-II
NA-236 Sanghar-III
NA-237 Thatta-I
NA-238 Thatta-II
NA-239 Karachi-I
NA-240 Karachi-II
NA-241 Karachi-III
NA-242 Karachi-IV
NA-243 Karachi-V
NA-244 Karachi-VI
NA-245 Karachi-VII
NA-246 Karachi-VIII
NA-247 Karachi-IX
NA-248 Karachi-X
NA-249 Karachi-XI
NA-250 Karachi-XII
NA-251 Karachi-XIII
NA-252 Karachi-XIV
NA-253 Karachi-XV
NA-254 Karachi-XVI
NA-255 Karachi-XVII
NA-256 Karachi-XVIII
NA-257 Karachi-XIX
NA-258 Karachi-XX

Baluchistan  (Total Seats 15)

NA-259 Quetta
NA-260 Quetta-cum-Chagai-cum-Mastung
NA-261 Pishin-cum-Ziarat
NA-262 Killa Abdullah
NA-263 Loralai
NA-264 Zhob-cum-Killa-Sherani Saifullah
NA-265 Sibi-cum-Kolhu-cum-Dera Bugti
NA-266 Nasirabad
NA-267 Kachhi
NA-268 Kalat-cum-Mastung Haidri
NA-269 Khuzdar
NA-270 Awaran-cum-Lasbella
NA-271 Kharan-cum-Panjgur
NA-272 Kech-cum-Gwadar
NA-273 Kachhi

Reserved seats for women (59)

Khyber Pukhtunkhwa (8)
Fata (0)
Federal (0)
Punjab (34)
Sindh (14)
Balochistan (3)
Reserved seats for non-muslim (10)

Salaries Increase in Budget 2012-13 Pakistan

Islamabad: Ministry of Finance will Announce his 5th Budget for 2012-13 in Pakistan in June and its Expected to Increase in Salaries of Federal Government Employees and As well as Provincial Government employees up to 35% to 50%,Also House Rent Allowance expected to raised 50%.

We will update final increment in salaries here for you as announced so plz keep visiting this page and share with ur friends so everyone can know about his salary increment in Budget 2012-13

 

 

 

 

 

 

 

 

 

 

 

 

Top 5 Websites for Video Chatting with Strangers Online

Are you bored of chatting with friends and relatives? You can have some wonderful time while video chatting with strangers from all over the world without disclosing your identity. This is a best alternative for facebook video chat, Google Hangouts that only permit chatting with your friends.You can make new friends or just kill some time.

 Omegle

Omegle is the most popular website for video chatting with strangers. This is creation of just 18 years old boy in 2009. There is no age limit and no registration is required to chat with the strangers. Omegle server picks the random person for you to chat. In this you can also save the conversation log into your Pc and share it on Social Networking Sites like Facebook

Click Here to visit the site
ChatRoulette 
ChatRoulette is another good website to chat with strangers. This is created by the Russian school boy. There is no age limit and registration required to get start with this. This web based application uses peer-to-peer connection. You can also report the inappropriate videos and users, which is the good feature of this site.
CLICK HERE to visit the site
TinyChat 

TinyChat is the fastest growing network over the internet. In this you can make friends and also can chat with strangers. You can also create your own chat rooms to have private conversation with people from all around the world. To get started with this you must have latest adobe flash player installed on your PC. You can Sign in via your Facebook and Twitter account and share YouTube videos as well.
CLICK HERE to visit the site
LolliChat

LolliChat is the best alternative of Omegle and ChatRoulette. In this you can chat with strangers with no age limit and registration. This will randomly select your partner. This will automatically delete all your chat logs when you disconnect.
CLICK HERE to visit the site
6Rounds 

6Rounds is the only online website available on the internet where you can do more than chatting with strangers. Here you can play online real time games, Listen Mp3 songs, Watch youtube videos and Intract with facebook friends as well. The only limitation of this site you have to register yourself to get started and you must be atleast 18 years old.
CLICK HERE to visit the site
There are lots of another websites on the internet but these the best sites that we have ever experienced for chatting with strangers online.

Kashmiri Chai – Gulabi Chai

Occasion: Any Number of persons this dish serves.Total servings: 8-10
What international cuisine this dish belongs to.Cuisine: Pakistani Number of Calories in dish.Calories: 35 k/cal
How much effort it takes to make this dish.Effort: Average Pre-Preparation time. For example marinating etc.Pre-Prep time:
This dish is best suited for. For example Diabetes, Cholestrol reducing etc.Best for: All Time it takes to prepare the dish.Preperation time: 1 hour
How is this dish served.How to serve: Hot

recipe by Kishwar.

Kashmiri Chai is prepared by green tea with a required quantity of milk. Kashmiri tea is a favorite tea in Pakistan. It looks more delicious when serves with crushed Almonds and Pistachio.

Ingredients
6 tsp. green tea leaves
15-20 seeds of green cardamomClick to find more about cardamom plus 1-2 tsp. ground cardamomClick to find more about cardamom
1-2 tsp. bicarbonate of soda
1-2 ltr. full cream milk e)Fresh cream ( malai)
6 tsp. ground pistachio/almondsClick to find more about almonds
6 cups water
SaltClick to find more about Salt to taste


Preparation
Pour water in a heavy based large pan. Add tea leaves,saltClick to find more about salt, seeds of greencardamomClick to find more about cardamom and bicarbonate of soda.
Bring to boil reduce heat and simmer briskly for 4-5 minutes or until it reduces to 13 its quantity.
While it is still boiling pour in it about 2-3 cups of cold water or enough water to make four cups in all.
Bring to boil and simmer for 4-5 minutes.
Remove from heat, strain and keep aside.
Boil the milk with ground cardamomClick to find more about cardamom over low heat.
Pour prepared tea water (Qahwa) in the milk.
Bring to boil, add saltClick to find more about salt and simmer for 3-5 minutes over low heat.
Remove from heat and pour into 6 cups.
Pour 1 tablespoon of cream or malai.
Sprinkle 1 teaspoon of pistachio/almondsClick to find more about almonds over it.