How to Monetize YouTube Channel And Start Earning

It seems very tough to monetize your YouTube channel and start earning in 2025. But nothing is impossible if you work hard and using the right strategies, you can monetize your channel honestly quickly.

This guide will help you unlock the potential of your channel and make money doing something you love.

How to Monetize YouTube Channel And Start Earning

Understand YouTube's Monetization Requirements.

It is essential to know YouTube requirements for monetization before starting.

Understand YouTube's Monetization Requirements.

1. You must have at least 1,000 subscribers on your channel.

2. Your channel must have at least 4,000 valid watch hours in the last 12 months.  

3. Make sure your content meets the guidelines set out by YouTube including community guidelines, terms and monetization.

4. Connect your active AdSense account to YouTube to receive earnings.

Create Quality Content Consistently.

1. Identify Your Niche.

- Pick a niche which you are passionate and knowledgeable about. Make sure that whichever content you focus on is exactly your target audience.

2. Develop a Content Calendar.

- Schedule your videos ahead in order to maintain consistency. Your audience will keep coming back, and you will also gain more subscribers.

3. Optimize Video Quality.

- To improve the quality of your videos, invest in good camera equipment and editing software. Quality visuals and audio make a real difference with retaining views.

4. Enhance Channel Branding.

- Use an attractive display picture and cover photo. Make a powerful channel description that informs your target audience about what to expect.

5. Use SEO Best Practices.

- Searching for keywords related to your niche will help your video show up in the YouTube search results. Have these keywords strategically placed throughout your video title, description, tags, and thumbnail. 

6. Design Engaging Thumbnails.

- Thumbnails are the first things your audience notices. Make interesting thumbnails and increase clicks on your videos or articles. 

7. Respond to Comments.

- Interact with your audience by answering comments. Creating a community helps to build viewer loyalty and watch time.

8. Promote Viewer Interaction.

- At the end of your videos, ask people to like share and subscribe. Think of unique calls to action that spark engagement.

9. Leverage Social Media.

- Distribute your stuff on social networks. Post the link on Instagram, Twitter, Facebook, etc. You will get traffic from these social platforms.

10. Collaborations.

- Network with other content creators in your niche. By doing this, you will expose your channel to unfamiliar audiences and quickly grow your subscribers.

11. Use YouTube Analytics.

- Monitor your channel analytics to learn what works best. Use this data to refine your content strategy.

12. Continuous Improvement.

- Continuously tweak strategies and content based on feedback and analytics to grow and meet audience demands more efficiently.

Start Earning.

After you have met the requirements of your channel and have applied for the YouTube Partner Program, you will start getting monetization features like ads and channel memberships. Also, think about increasing your sources of income by.

- Affiliate Marketing: It’s about promoting the products that relate to your niche.

- Storefront: Sell branded merchandise from your own merchandise shelf.

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The Myth of the Jessica Redcliffe Dolphin Incident: Separating Fact from Fiction

Recently, the story of Jessica Redcliffe (dolphin trainer) and one of her dolphins has gone viral. The concluding Jessica was killed by a whale which left many confused. This piece of narrative that often circulates on social media, evokes emotional fury and questions on animal and human interactions. Is this real or made up? That is the real question!

The Myth of the Jessica Redcliffe Dolphin Incident: Separating Fact from Fiction

The Alleged Incident.

The story starts with Jessica Redcliffe, who is a talented and passionate training of dolphins and has a special bond with one she raised since its youth. At a public demonstration, this trust and harmony got shattered, as the dolphin reportedly acted aggressively and attacked Jessica, injuring her badly. The people at the event were apparently shocked, and they have become headlines.

 

Scrutinizing the Story.

Looking carefully, you’ll see that the details about this incident aren’t verified yet. This story gets shared a lot on the Internet and other social media but there are no trustworthy news reports or facts proving that something like this even happened. This indicates that the story is probably just a made-up myth or fiction and didn’t happen for real.

 The story of Jessica Redcliffe the dolphin shows how urban legends—tales that have no basis in fact but bump on human emotions—catch on and spread online. It often conveys moral lessons or social messages through their tales. They also raise relevant issues including human-animal relationships, wildlife training ethics, and nature’s unpredictability.

A Reflection on Human-Dolphin Interactions.

True or not, this tale does encourage a reflection of some humans’ interactions with dolphins.

1. Dolphins are wild animals with unpredictable behavior. Such stories show us how important it is to let them be themselves.

2. The story leads us to anticipate the ethics of training dolphins for display purposes. Are such practices truly caring for the well-being of dolphins?

3. Believing marine animals that aren’t real can be dangerous. Rather, it is important that people understand the ocean ecosystem and its conservation.

Summary about Jessica Dolphin Accident

Claim	Reality
A real orca or dolphin attacked and killed a trainer named Jessica Radcliffe	False – No verifiable evidence or credible reporting supports this
The video is genuine footage from a marine park	False – Entirely AI-generated footage with obvious visual glitches
The trainer exists	Unverified – No reliable sources confirm her identity or existence
Public and social media took it seriously	True – The content went viral, but was ultimately debunked

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Management & Leadership Lessons from the Kung Fu Panda Series (1–4)

The Kung Fu Panda franchise is full of martial arts, comedy, action, and animated chaos. The four movies series show numerous leadership and management insights that are relevant for professionals working in growth, team management, succession and personal growth.

KUNG FU PANDA

Let’s take a look at important leadership lessons from different movies and their application to the management world.

Kung Fu Panda (2008): Discovering Hidden Potential.

Core Themes: Empowerment, Talent Development, Diversity, Self-Belief.

The first movie shows us “Po” who is quite fat, clumsy, and very funny. Doubtful people ridicule him, but he proves them wrong.

• A boss must not overlook the potential of an unexpected employee. The most unusual people can be the most powerful.
• Master Shifu learns to personalize Po’s training as per the latter’s X-factor. Leaders need to change their coaching style according to learners.
• The Furious Five are all unique because they have different skills. High-performing teams draw strength from diversity.
• When Po believes in himself, he undergoes a transformation. Confidence-inspiring leaders unlock the full potential of their teams. 

Kung Fu Panda 2 (2011): Emotional Intelligence & Vision.

Core Themes: Emotional Intelligence, Strategic Thinking, Resilience.

In the second film, Po takes on **Lord Shen**, an evil schemer with a vision and a mission to control destiny through fear.

• To conquer his haunting past: Po must get in touch with his inner self. Great leaders make better decisions and build healthy relations through emotional intelligence.
• Avoiding Crisis: Shen's weapon doesn't appear to be any direct threat, or at least much threat to kung fu. In crisis management, having the ability to think strategically is crucial.
• Shen had a great idea but lacked ethics, which was dangerous in his case and led to his downfall. Striking a balance between strategy and empathy is vital for great leaders.
• Resilient Teams Win: Team remains united through tremendous adversity. Trust and shared purpose help teams endure adversity.

Kung Fu Panda 3 (2016): Empowering Others.

Core Themes: Succession Planning, Cultural Intelligence, Leadership Development.

Po meets his real father and learns of the panda village. There, he empowers the peaceful pandas to fight a supernatural threat.

• Master Shifu steps aside for Po. Great leaders don't leave to meet their maker. They groom successors to take over.
• The movie Kung Fu Panda includes a scene where Po learns to embrace his panda heritage. This teaches the viewer how incorporating a wide range of cultural and personal heritages can lead to a more effective and empowering leader.
• Stay Empowered: Po acts as a “master” who trains the pandas to utilize their strengths instead of making them do the same thing.
•  Modern leaders foster autonomy, not dependency.
• In “Kung Fu Panda,” Po shows how to empower others (i.e. multiplying leaders) rather than being the singular hero. The highest form of leadership is creating more leaders.

Kung Fu Panda 4 (2024): Letting Go & Embracing Change.

Core Themes: Legacy, Change Management, Trust, Transformation.

Po is made **Spiritual Leader** and asked to choose a Dragon Warrior. He is worried about his selection decision. Ron faces self-doubt, betrayal, and a new villain, The Chameleon, who can recreate the styles of previous enemies.

• Po’s challenge of letting go of his role is a challenge that many leaders face. When a leader steps out of a role, they have to redefine what they are doing in place of that one thing.  Growth requires letting go.
• Deciding who will take over is not just about the name you give but also about developing a successor who can make their own mark.
• Po teams up with Zhen, a fox who may have a hidden agenda. This dynamic shows that in the real world, trust should be earned and people deserve a second chance.
• The Chameleon is something that is able to change its form but not its essence. The change must be internal. Only through internal change can a leader grow.
• The quote “be the pit” shows us that legacy is a living thing, a seed that continues to grow long after the leader is gone.

Final Takeaway: Leadership is a Journey.

All four films from the Kung fu panda series conveys a powerful message about leadership: it’s not about having all the answers, but the discovery of self, enabling others, embracing change and growing together. 

Summary Table:.

KFP 1: Trust in potential; Train with empathy; Celebrate diversity.

KFP 2 - Learn to master emotions, be adaptable and use vision without losing ethics.

KFP 3 - Make others capable, honor your culture, groom successors.

KFP 4 - Remove ego; mentor future leaders and embrace transformation from within. 

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Common Interview Mistakes and How to Avoid Them

Knowing what prevents people from getting a job can make you less nervous during your interview and help you get it. Interviews can make many candidates nervous. Nevertheless, if you know what to avoid, you will be able to approach interviews sans any nerves and confidence.

In this guide, we will see some of the biggest interview mistakes candidates make. And also how to avoid them. When you learn these mistakes, it can help you to enhance your performance at the interviews and with the right fix till you get the job you intend.

Going through the key interview mistakes and fixing them is important so you are able to showcase your skills well.

1. Lack of Preparation.

Falling short on interview prep is one of the most common mistakes. It demonstrates a lack of interest that creates awkward silences .

To ace your interview in 2025, you need to research the company and the job description carefully. Further, prepare some answers to the most common questions that recruiters ask. Practice your responses to ensure clarity and confidence.

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2. Poor Body Language.

Not Making Eye Contact, Slouching, and Fidgeting Shows That You Are Not Interested.

Keep your back straight, accord eye contact and gesture with your hand. To enhance your body language, practice in front of a mirror or with a friend.

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3. Overemphasizing Salary.

Getting involved in salary negotiations and benefits too early gives the impression that you are more interested in money than the work.

Just hold back till the interviewer broaches the salary subject. Highlight your abilities and skills, and how they may benefit the company.

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4. Not Asking Questions.

Not asking any questions could imply you’re uninterested or lack initiative.

Ask questions about any challenging aspect which came up in the interview. This shows your enthusiasm and engagement.

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5. Speaking Negatively About Past Employers.

Don't criticize past employers or coworkers - it makes you look bad.

It is essential to focus on what you learn from your past experiences and how they will help you qualify for this opportunity. Keep your tone positive and constructive.

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Conclusion.

By not doing these common interview mistakes, you'll increase your chances of getting hired. You will be alienating yourself from the audience if the first impression is not good.

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Sometimes You Win by Losing: Embracing Defeat for Greater Success

Often, we find ourselves in a place where it appears we have lost. What if I told you that sometimes you can win by losing?  If you wish for a successful long-term career, it often pays to think long-term – not just short-term. In this article, we will explore how accepting loss can lead to changes in oneself, resilience, and success.

 Sometimes You Win by Losing: Embracing Defeat for Greater Success

Understanding the Concept: Winning by Losing.

The concept of “winning by losing” start from the belief that losing is not always a bad thing.  In fact, some lost giving you are insight and a second chance, The BIG second chance.  Here are a few ways in which losing can be beneficial.

1. Learning from Mistakes.

Every loss is an opportunity to learn. If your focus is on progress, you will learn from every setback or failure. This process of learning is necessary for personal and professional development. Thomas Edison once said, "I have not failed. I've just found 10,000 ways that won't work.". So don't give up. 

2. Building Resilience.

Experiencing defeat builds resilience. It helps you learn to move on from problems and come back stronger. Resilient people are those who succeed in life regardless of how troubleshows up to test their mettle.

3. Gaining Perspective.

When you experience a loss in life it provides insight into your goals and what is truly of value to you. You can change the strategies to make necessary changes. At times, what we may interpret as a ‘loss’ may actually redirect us towards our true goal.

4. Fostering Humility.

It can humbling to lose, that you won’t always come out on top. This arrogance will damage your relationships and make people resent you.

Real-Life Examples of Winning by Losing.

1. Steve Jobs and Apple

Steve Jobs, co-founder of Apple, endured a massive failure being fired from a company he had co-founded and built. However, this loss became a turning point in his career. While Steve Jobs was away from Apple, he founded NeXT and acquired Pixar, both of which taught him a lot. Upon his return to Apple, it has tasted unprecedented success under him.

2. J.K. Rowling and Harry Potter

Before being known for Harry Potter, J.K. was Rowling faced numerous rejections from publishers. Although she failed at first, she did not let this get the better of her.

 Despite initial failures, she was more successful authors in history.

How to Embrace Losing for Success.

In order to win by losing, the first step would be to lose the fear of failure. Here are some strategies to help you do just that.

1. Reflect on Your Losses

Take time to analyze your defeats and learn their lessons. Looking back on what you experienced can help with what you do in the future.  

2. Set Realistic Goals

Set goals to learn new skills, making room for expansion. You should know that delays happen, so it’s better to lower your expectations.

3. Cultivate a Growth Mindset

You should change your mindset so you view challenges as information meant to help you grow. When you have this mindset, you accept failure as being part of the learning process.

4. Seek Support and Feedback

It is important that you surround yourself with supportive people. Their viewpoints provide valuable insights to tackle difficulties or discover new solutions.

Conclusion: Embrace the Paradox.

In conclusion, sometimes you win by losing. When you accept loss as a chance to grow. It can lead to better success later on. Transform your loss into gain by learning from the mistakes, being resilient as it will not define you, gaining perspective and cultivating humility. The path to success is bumpy and a defeat can make you learn things that many successful peoples cannot learn.

A Salary Increase Makes You Happy Once A Year, But A Healthy Culture Keeps You Happy Everyday

Imagine for a instance waking up on a Monday morning, feeling truly happy to go to work. The salary is not the only thing that drives you. The workplace’s friendliness towards colleagues complements the work purpose you engage in every day. A pay rise may bring you joy for a moment once in a month, but it is a healthy workplace that delivers all year long. A good work environment is the key to long-term satisfaction. Let’s find out how.

The Temporary Joy of a Salary Increase.

Imagine this: You got a notification from HR that your salary has increased! The thrill is palpable. You begin to think of that ideal travel or the latest device. But as the weeks roll by, the excitement diminishes. Why? According to studies, the happiness you get from getting a raise does not last long, as we adapt to it. Spending more on goods does not result in higher happiness levels due to “hedonic treadmill” effect.

The Importance of a Healthy Workplace.

Let’s see what makes a workplace fulfilling from a different angle. A healthy workplace is like a well-tuned orchestra, where every aspect works together to create a satisfying sound.

- Imagine having a manager who will listen to you and help you prosper.  This creates a sense of belonging and purpose.

- Work-life balance basically means a flexible schedule that allows you a chance to attend your child’s school drama or enjoy your hobby. This balance is crucial for overall well-being.

- Try to imagine a culture that appreciates diversity, teamwork, recognition, and more! It's like a garden where every plant is nurtured to bloom.

Benefits of a Healthy Workplace.

The ripple effects of a healthy workplace are profound. Firms that invest in helping employees do better typically see the reverse of these trends, that is, an increase in productivity and creativity and drop in stress and greater loyalty.

Example from Pakistan: Engro Corporation.

Join us on a trip to Pakistan where you will see Engro Corporation – a great workplace. Famous for innovation, Engro has created a healthy workplace for the employees. Through flexible work hours, health insurance, and continuous learning culture, Engro improved employee satisfaction, which has enabled the firm to achieve great business success. A healthy workplace, they told us, makes more productive employees and lower turnover.

Creating a Healthy Workplace.

So, how can companies cultivate such an environment? Here are some strategies.

1. Make it easy to talk honestly and openly about problems and issues and do so with empathy.

2. Provide opportunities for promotion, taking goals from the workplace to the galaxy.

3. Acknowledgment is important for motivation. It is essential to appreciate employees for their efforts. 

4. Encourage a wholesome work-life balance by allowing employees personal time as and when required to help them recharge.

Employees, too, play a vital role. Team building and helping each other build a culture of togetherness and respect.

In an overall work life, salary hike is just one thread in the tapestry. A healthy workplace is what makes a true masterpiece. When companies invest in employee wellness, employees feel happier, and so do the organizations. Happiness and productivity depend upon a positive workplace.

BankIslami’s Aik App – Your Bank in Your Pocket

In today’s world, time is becoming very precious.  Moreover, no one has the time to stand in long lines at the bank. We all want easy, fast, and safe money management solutions that enable us to channel our energies toward the things that really matter. This is where BankIslami Aik App a smart mobile application that is revolutionizing banking by bringing the bank in your hands on your mobile phone. In other words, that you will turn your mobile phone into a bank.

https://bankislami.com.pk/

Now you can perform numerous banking transactions through the mobile application of BankIslami instead of your conventional way of banking. With this app, managing our finances is no longer a tedious task! Whether it’s checking your account balance, transferring funds, or paying bills, this app makes it easy. The app features the latest security and safety measures to ensure the safety of your funds and personal assets at all times.

BankIslami's Aik App has emerged as a one-stop solution in this digital era world when technological solutions are now becoming the need of the hour. With the app, you don’t need to depend on banks branch anymore.  Welcome to the future of banking! Take control of your finances with a swipe of your finger by downloading our app.

What is the Aik App?

Whether you're a student, a working professional, or a busy parent, the Aik App helps you take control of your banking — anytime, anywhere. It’s fast, reliable, and follows Islamic banking principles, just like BankIslami. Actually Aik App is a banking app developed by BankIslami Pakistan. The Urdu word “Aik” means “One” reflecting the vision of the app which is to be the one place for all your banking needs. No matter if you want to check the balance or send money, the app will give you the perfect help.

What Makes Aik App Unique? (USP)

“Shariah-compliant digital banking – secure, convenient, and all in one place.”

Pakistan Ki Pehli Digital Islamic Banking

Here’s what makes it stand out:

•First Sharia Compliant Digital Banking App having full alignment with Shariah norms.

•All-in-One-Platform all transactions card transfer bill payments donations and everything can be done through a single app

•Get biometric login, instant card lock and control facilities with real-time alerts!

•Effortlessly complete your payments at your favourite stores using a simple QR code – no cash or card needed!

•Make donations of Zakat/Sadaqah from your Smartphone. 

•The design is easy to use and allows even someone who has never used it to use it with ease.

Key Features of the Aik App

1. Check Your Account Anytime

2. Send Money with Ease

3. Pay Bills Instantly

4. Mobile Top-ups

5. Scan & Pay with QR Code

6. Secure Login

7. Block or Manage Your Debit Card

8. Donate to Charity

How to Get the Aik App

Using the Aik App is easy:

1. Go to the Google Play Store or Apple App Store

2. Search for "BankIslami Aik App"

3. Download and install the app

4. Register using your BankIslami account details

5.    Link Of Bankislami Aik Application

Is It Safe?

Absolutely! The Aik App uses strong security like biometric login (fingerprint or face) and end-to-end encryption to keep your money and personal details protected.

How to Start Blogging and Achieve Success 2025

In spite of new technologies, blogging is still a good way to market a brand.  As we enter 2025, blogging is becoming something different due to new technologies and trends. A complete blogging guide to kickstart your blogging in 2025 so you can earn a lot from it.

1. Choose Your Niche.

The right niche will help you succeed with your blog. For 2025, consider working on trendy or niche viewers focused areas for a better audience. Some popular niches include.

- “More people are becoming conscious of climate change. Eco-friendly living has become popular.”

- Topics of mental health fitness nutrition etc are still directional in terms of popularity.

- As technology became more advanced people became interested in AI, blockchain technology, and other developments.

- Personal finance refers to financial literacy and investment strategies that are always in demand.

2. Set Up Your Blog.

Choose a Blogging Platform.

A lot of platforms are going to be user-friendly in 2025. Consider using.

- WordPress is well-known for its versatility and plug-in library.

- Best for writers who want to focus on content without the hassle of design.

- Ideal for newsletter-type blogs

- Blogspot.com the most user-friendly platform available; perfect for newbies. It works with Google apps and you can also customize it.

3. Select a Domain Name.

A good domain name should be easy to remember and spell and relevant to your niche. Try Namecheap, GoDaddy, or other competitors to find and register your domain.

4.Design Your Blog.

A clean, responsive design is essential. Use themes that are mobile-friendly and visually appealing. Explore the various themes available on platforms such as WordPress and Blogspot.com of your choice.

5. Create High-Quality Content.

In 2025, the content is king but quality will be essential.  Focus on.

- Provide unique viewpoints and insights.

- Optimizing your content with keywords and important Meta Tags. Also, don’t forget to include the alt text of your images.

- Ask for comments, shares and engagement from your audience.

6. Promote Your Blog.

• Leverage Social Media.

Share your blog on social media sites like Instagram, Twitter, TikTok, etc. Make great content that leads back to your website.

• Collaborate with Influencers.

Collaborating with influencers in your niche can help you reach a wider audience. Find Influencers A Potential Client Backbone That Matches with Target  Audience

• Utilize Email Marketing.

Build an email list to keep your audience engaged. To send each newsletter or update, use Mailchimp or ConvertKit.

7. Monetize Your Blog.

Once you build a steady audience, monetize your blog through.

- Advertising other company’s products and receiving commission on the sale of the product.

- sponsored content a great way to earn through your blog

- Sell e-books, courses or other exclusive content.

8. Stay Updated with Trends.

The blogging world is dynamic. Stay up to date with the latest development to stay trendy with your blog. Participate in webinars, read industry blogs, and socialize with bloggers.

Conclusion.

Starting a blog in 2025 can be a lot of fun and profitable as well.  Success in Blogging in 2023 is achieved only by choosing the right niche, creating quality content and promoting your blogging  smartly. But remember, a little consistency and authenticity can help you gain loyal readers and thrive in blogging. You can choose WordPress, Medium, Substack or blogspot.com; all tools are at your disposal to make you win.

Discover the Remarkable Health Benefits of Ladyfinger

Ladyfinger or okra is not only uniquely tasty but also very healthy.  This little food in green pods that is used in cooking around the world is not just a green vegetable. It is a whole food that is packed with goodness. This food is the mighty pea that can add to one’s well-being greatly. 

Let’s find out why a vegetable like this must be incorporated into the daily diet for healthy living.

Okra's Worth Its Weight in Gold.

Consuming okra will help you to boost your immunity and reduce the risk of chronic diseases. Okra’s medical benefits stem from its richness in vitamins, manganese, antioxidants, and other beneficial compounds.  You get plenty of water, protein, carbohydrates and dietary fiber in 100 grams of okra. It is rich in content having high protein level, vitamins, minerals, and dietary fibre content. Okra has thiamine, riboflavin and ascorbic acid in its nutrient values. The seeds are also a good source of protein, fat and fibre. As it is a hardy vegetable with a unique balance of seeds protein, it is a “perfect villager’s vegetable”.

Unlocking Key Health Benefits of Ladyfinger.

The ladyfinger's rich composition offers many health benefits. Using okra may helpful for blood sugar management and diabetes support. According to studies, okra may lower blood sugar level by affecting sugar absorption and improving insulin sensitivity. Its constituents had favorable effects on glycemic indices. Studies found that substances in okra pods may work like anti-hyperglycemic drugs, even after cooking, helping to control blood sugar levels.  Ladyfinger is a dietary medicine which is beneficial for type 2 diabetes.

Increasing digestion, ladyfinger is full of fiber and hence helps in easy digestion. The soluble fiber helps to stabilize blood glucose levels in the body.  Okra’s mucilage, which makes it slimy when cooked, binds cholesterol and bile acids and helps detoxification by the liver. This supports overall digestive function and gut health.

Ladyfinger supports heart health and cholesterol levels. The vegetable is good for the heart. Okra contains soluble fibre, mainly gums and pectins, which lowers blood cholesterol and reduces the risk of heart disease. Heart disease can be defined as any disorder of the heart.  Okra is a great food to keep the heart healthy and it can help in preventing various human diseases including CVD.

Okra is known for being high in antioxidants and has anti-inflammatory properties. It contains compounds named phenolic compounds and many of them are very important biologically. These include quercetin and flavonol derivatives, catechin oligomers, and hydroxycinnamic derivatives. Research has been conducted on these potent phytochemicals for their antioxidant capacity and anti-inflammatory action. Okra extract helps the immune system by controlling metabolism and reducing oxidative stress. This minimizes damage from negative external causes in the human body. Additionally, okra pods extract proved to have antioxidant effects on toxicity, it was discovered. Ladyfinger contains a wealth of vitamins and minerals, including ascorbic acid, which helps build the body’s immune system. An extract from the okra can boost our immune system and prevent oxidative stress.

Simple Ways to Enjoy Ladyfinger.

Ladyfinger is amazingly adaptable in the kitchen. You can eat its immature dark-green fruits fresh in salads, or cook in soups and cooks. It can be fried, boiled, or added to curries and gumbos. It can also be used as a thickening agent for dishes.

Ladyfinger is more than a vegetable. It is a rich source of nutrients. They help manage blood sugar. They are beneficial for the heart. They boost digestion too. And they have antioxidants too. Including ladyfinger in your meals regularly will help to keep you healthy and fit. It is advisable to include ladyfinger in your diet due to its health benefits.

People who avoid failure also avoid success

The paradox of Failure And Success! We unconsciously want to hide away from what hurts us, and failure definitely qualifies as something that hurts, so we all seek out comfort. We all have life and career goals. We work hard to achieve these goals. Avoiding failure prevents success. It actually delays success. If you never take a chance and fall down, you may be missing out on your biggest gift.

Failure And Success The Two Sides of Same Road

Now the question is why are we so afraid of failing?

The fear of failure is deeply embedded. It stems from various sources.

• The world demands perfection but hardly ever shows anything other side than the best; just look at Instagram. Social media shows victories but not the losses.

• Sometimes we just really don’t want to get hurt again after a bad experience at a past event.

• People want to do everything perfectly so they do not act for something new

• People becoming scared of people judging them for not achieving in life is certainly one reason which holds people back.

They do nothing but postpone things all thanks to this fear or stick to exactly what is known. The thought is, "If I do not try, I cannot fail." But the unvoiced truth is "If I do not try, I cannot succeed either."

Failing: The Unsung Hero of Success. 

Throughout history, failures have given us many great creators and inventors who changed the world. Thomas Edison said “I have not failed 10,000 times. I have successfully found 10,000 ways that will not work”. If you think about this statement, he reminds us to not consider failure as the end. Failure is actually feedback.

That's why failure is part of the formula for success.

1. The Ultimate Teacher.

Failure offers lessons that theory simply cannot. It shows us what doesn’t work, makes us think deeply, and shows us where a strategy/assumption falls apart. We can use errors that occur in the process to improve the work that we are doing. . It’s hands-on learning in its purest form.

2. Building Resilience and Grit.

Navigating setbacks builds mental toughness and resilience. When you get up after falling down then you will discover an inner strength you didn’t know you had. To succeed, you need grit as success is almost never a straight line.

3. Fostering Innovation.

Countless amazing things wouldn’t be here today if people had just stopped after their first try. There were countless other deaths in trying out strange things before discoverers seem to have just one single shot. Failure is inherent in any new innovation or technology.

4. Defining True Success.

If you achieve success without facing any challenges, it may seem pleasant. But it really doesn’t compare to coming through a struggle successfully. Going through failure makes success all the more meaningful and clear.

Stepping Beyond the Comfort Zone.

In order to achieve success, one first must be able to step outside of his/her comfort zone. This means.

• You might feel nervous or uncertain about taking action that could get you one step closer to reaching your goal.

• Learning that not every step has to be certain   Sometimes, exploration is key.

• Using a growth mindset means you will think that your abilities and your intelligence aren’t fixed traits. In other words, they can be developed through hard work. (Carol Dweck) People grow by exploring why they fail at something and not giving up.

Turning Setbacks into Stepping Stones.

Changes it from avoiding failure to embracing risk is life-changing. It's about reframing the narrative.

• I failed; instead, I just learned!

• It’s too hard (bigger challenge) to This challenges me to grow.

• What if I do something wrong? What to Expect When I Find Something Fantastic?

This mindset allows people to tackle problems with curiosity and tenacity, not fear.

Conclusion: Embrace the Journey.

The track to major achievement is not often plane. It's often paved with trials, errors, and moments of doubt. People who avoid failure also avoid success. This doesn’t mean you’re judging them. Instead, it is an invitation. Stop worrying that whatever you try will turn out wrong or fail, it’s a very good way to live life in whatever messy attempt, a fall, a learning, and a rise of the smile of your soul. Real success isn’t not failing; it’s being willing to keep going in spite of that.

Does KIBOR Make Islamic Banking Haram? A Deep Dive into Sharia Compliance

Islamic banking, founded on the principles of Sharia, aims to provide financial services that are ethically sound and free from practices deemed impermissible in Islam. Central to its philosophy is the prohibition of Riba (interest), Gharar (excessive uncertainty), and Maysir (gambling). However, a frequent point of contention and inquiry arises when discussing the benchmark interest rates, such as KIBOR, and their apparent connection to Islamic financial transactions. Does the use of KIBOR indeed render Islamic banking Haram (forbidden)? This article explores the nuances of this complex issue.

Understanding KIBOR

KIBOR, or the Karachi Interbank Offered Rate, is a benchmark interest rate used in Pakistan's conventional financial markets. It represents the average rate at which major banks lend unsecured funds to one another in the interbank market. Similar to LIBOR, KIBOR serves as a reference point for pricing various financial products, including loans, mortgages, and derivatives. In conventional finance, it is directly associated with the cost of borrowing money.

The Foundations of Islamic Finance: A Brief Overview

To appreciate the controversy surrounding KIBOR, it's essential to grasp the core tenets of Islamic finance:

• Prohibition of Riba: This is perhaps the most fundamental principle. Any predetermined payment over and above the principal amount of a loan, without a corresponding risk or genuine commercial activity, is considered Riba and is strictly prohibited. Islamic finance focuses on profit-and-loss sharing and genuine trade activities.
• Prohibition of Gharar: Transactions must be transparent and clearly defined to avoid undue speculation or elements of deceit.
• Prohibition of Maysir: Speculative activities that involve pure chance and no productive economic activity are forbidden.
• Asset-Backed Transactions: Islamic finance emphasizes that financial transactions must be linked to tangible assets or productive economic activities. Money is seen as a medium of exchange, not a commodity to be traded for profit on its own.
• Ethical and Social Responsibility: Islamic finance promotes fairness, justice, and community well-being.

The Controversy: KIBOR's Apparent Conflict with Sharia

The primary concern regarding KIBOR in Islamic banking stems from its very nature: it is an interest-based benchmark. Critics argue that if Islamic banks are using an interest rate to determine the pricing of their products, they are indirectly engaging in Riba, thus making their operations Haram. They contend that merely relabeling an interest-based transaction does not change its underlying nature.

This perspective emphasizes that Islamic finance should be entirely detached from conventional interest rate mechanisms and should develop its own independent, Sharia-compliant benchmarks based on real economic activity, such as profit rates from actual asset-backed transactions or commodity prices.

The Islamic Banking Perspective: KIBOR as a Benchmark, Not Riba

Islamic financial institutions and a majority of Sharia scholars offer a nuanced explanation for the use of KIBOR, arguing that its application does not inherently lead to Riba. Their arguments are typically based on the following points:

1. KIBOR as a Pricing Benchmark, Not the Transaction Itself  Islamic banks differentiate between the benchmark used for pricing and the nature of the transaction. They assert that KIBOR is merely a practical market indicator for pricing various Sharia-compliant contracts (like Murabaha, Ijarah, or Musharakah), much like commodity prices or inflation rates might be used. The underlying contract itself is structured in a way that avoids Riba.
• Example: Murabaha In a Murabaha transaction, an Islamic bank purchases an asset (e.g., a car or house) at the client's request and then sells it to the client at a pre-agreed higher price, which includes a profit margin. The payment is deferred. The profit margin might be referenced to KIBOR + a certain percentage, but the transaction is a sale of goods, not a loan with interest. The bank takes ownership and risk of the asset, fulfilling the Sharia requirement for a tangible asset transaction. The variable rate derived from KIBOR is linked to the profit on a sale, not interest on a loan.
• Example: Ijarah In an Ijarah contract, the bank leases an asset to the client for a specified period for a determined rental fee. The rental fee can be periodically adjusted based on market conditions, and KIBOR might be used as a reference point for this adjustment. Again, this is a lease contract where the bank owns the asset and bears its associated risks, not a loan.
2. Addressing Market Realities In a global financial ecosystem predominantly operating on interest-based models, totally divorcing from established market benchmarks like KIBOR can put Islamic banks at a significant disadvantage, hindering their competitiveness and growth. Using KIBOR as a reference allows Islamic banks to price their products competitively while maintaining their Sharia compliance through the underlying contractual structures.
3. Absence of Pure Islamic Benchmarks While efforts are underway to develop truly Sharia-compliant benchmarks based on real economic activity and profit-and-loss sharing, a universally accepted and liquid alternative to interest-based benchmarks is yet to fully materialize. In the interim, KIBOR serves as a pragmatic solution.
4. Sharia Advisory Boards All Islamic financial institutions are overseen by independent Sharia Supervisory Boards comprising respected Islamic scholars. These boards review and approve every product and transaction to ensure compliance. The use of KIBOR as a pricing benchmark, within the confines of Sharia-compliant contracts, has generally been approved by these boards.

Conclusion |

The question of whether KIBOR makes Islamic banking Haram highlights a critical debate within Islamic finance. While the direct imposition of interest is unequivocally forbidden, the dominant view among Islamic banks and Sharia scholars is that using KIBOR as a mere benchmark for pricing Sharia-compliant contracts does not, in itself, render the entire operation Haram. The legitimacy lies in the underlying contractual structure, which must conform to Islamic principles of asset-backed transactions, risk-sharing, and the absence of Riba.

As the Islamic finance industry continues to mature, there is an ongoing push for the development of alternative, purely Sharia-compliant benchmarks. However, for now, the pragmatic use of KIBOR as a reference point, carefully integrated into permissible Islamic contracts, is widely accepted as a mechanism to facilitate financial transactions while upholding the core prohibitions of Riba.

 

Understanding KIBOR: How It Works in Pakistan?

In Pakistani Banks, KIBOR is a term that frequently pops up. But what exactly is KIBOR?, and how does it affect the people and financial institutes of Pakistan? In this article, we'll break down KIBOR, explain its significance, and explore how it operates within Pakistan's financial system.

KIBOR

What is KIBOR?

KIBOR stands for Karachi Interbank Offered Rate. It's essentially the average interest rate at which banks in Pakistan are willing to lend money to each other. Think of it as the "wholesale" price of money for banks. This rate is used as a benchmark for many other interest rates in the economy, influencing everything from personal loans to corporate financing.

Key Functions of KIBOR:

·         Benchmark Rate: KIBOR serves as a benchmark for pricing various financial products.

·         Indicator of Liquidity: It reflects the overall liquidity and credit conditions within the banking sector.

·         Monetary Policy Tool: Indirectly, KIBOR is influenced by the State Bank of Pakistan's monetary policy decisions.

How is KIBOR Calculated?

The calculation of KIBOR involves a panel of select banks (usually those with the highest credit ratings and largest asset base) that submit their offered rates to the Financial Markets Association of Pakistan. FMAP then calculates the average of these rates, after discarding the highest and lowest quotes to avoid outliers. This average becomes the KIBOR for various tenors (e.g., 1-week, 1-month, 3-month, 6-month, 1-year).

Steps in KIBOR Calculation:

1.      Submission of Rates: Selected banks submit their offered rates for different tenors.

2.      Data Collection: FMAP collects all the submitted rates.

3.      Outlier Removal: The highest and lowest rates are discarded.

4.      Averaging: The remaining rates are averaged to arrive at the KIBOR for each tenor.

5.      Publication: FMAP publishes the KIBOR rates daily.

 

 

How KIBOR Impacts the Economy

KIBOR's influence extends far beyond the banking sector. Here's how it affects different aspects of the economy:

·         Loan Interest Rates: Banks use KIBOR as a base rate when determining interest rates on loans to consumers and businesses. This includes personal loans, auto loans, mortgages, and corporate financing.

·         Savings and Investments: KIBOR can indirectly affect the returns on certain savings accounts and investment products.

·         Government Securities: The yield on government securities like Treasury Bills and Pakistan Investment Bonds are often linked to KIBOR.

·         Overall Economic Activity: Changes in KIBOR can influence borrowing costs, investment decisions, and overall economic growth.

Factors Influencing KIBOR

Several factors can cause KIBOR to fluctuate:

·         Monetary Policy: The SBP's decisions regarding the policy rate (the rate at which it lends to commercial banks) have a direct impact on KIBOR.

·         Inflation: Higher inflation expectations can lead to an increase in KIBOR as banks demand higher returns to compensate for the erosion of purchasing power.

·         Liquidity Conditions: If there's a shortage of liquidity in the banking system, KIBOR tends to rise.

·         Market Sentiment: Economic uncertainty and market sentiment can also influence KIBOR.

KIBOR vs. Policy Rate

It's important to distinguish between KIBOR and the policy rate (also known as the discount rate). The policy rate is the interest rate at which the SBP lends money to commercial banks. While the policy rate directly influences KIBOR, KIBOR is a broader measure of interbank lending rates and is affected by various market forces.

Conclusion

KIBOR is a vital benchmark in Pakistan's financial system, influencing lending rates, investment returns, and overall economic activity. Understanding how KIBOR works can help individuals and businesses make informed financial decisions. By keeping an eye on KIBOR and the factors that influence it, you can gain a better understanding of the economic landscape in Pakistan.

Keywords: "KIBOR," "Karachi Interbank Offered Rate," "Pakistan," "Interest Rate," "Loans," "Economy," "SBP," "Policy Rate."