immigrants problem

Are Immigrants the Problem?

A rise of anti immigration policies have been emerging rapidly across North America and Europe, especially in the United Kingdom and USA. The blue collar politicians and white people living there have expressed their concerns over these often labeled “illegal” immigrants causing crime and stealing the jobs of the “rightful” citizens. If looked closely upon, this is not about illegal immigration, rather it is a form of racism against the blacks, the Indians and rather anyone who is not white.

 

The United Kingdom had colonized a great part of the world which included the Indian subcontinent and a vast part of Africa along with other European colonizers whom they wanted to “civilize” as for them they were a “savage” race. This colonization resulted in thousands of black and Indian families migrating to Europe, especially the upper class who ought to receive English education and work in the British government.

 

This seems like a normal history dilemma where colonization led to great migrations and mixing, which the Europeans have now mayhaps forgotten. All over the UK, many rallies of white people have emerged in which they protested against immigration- however they in reality spread their similar racist views.

These citizens may not realize the extent to which immigrants aided in growing the economy. If kicked out, the economy will collapse and suffer tremendously.

 

In recent years these anti immigration policies have caused major hurdles for students all over Asia, South America and Africa who are ambitious enough to study in the ivy leagues and settle abroad- however their visas being rejected have deteriorated their ambitions otherwise. This is being seen as a great disadvantage all over the world especially for the students who are forced into putting a hold on their education.

 

No more than the student, this poses a great threat to the Western countries themselves. Without the hands and minds of these students who are the future workforce who help stabilize and grow the economy, the countries will often suffer. Unlike most nations, Germany is seen as offering free education to these immigrants which has definitely bore the result making Germany one of the most powerful economies despite the restrictions imposed on them (after world war II).

 

The other side of this argument initiates from the government of respective countries like Pakistan whom the students and workers emigrate from- their government stating that they are much needed to support their own respective economies. Nevertheless, the great amount of corruption, instability and discrimination are the reasons in the first place for workers to emigrate seeking better secure jobs abroad. It is hard to revive the patriotic heart of civilians when the governments do not work in favour of them.

 

“France for the French” was said by Jean-Marie Le Pen since the immigrants are apparently threatening the French identity. The same french is spoken in 20 African countries who were forcefully colonized and turned into slaves, the countries who had their own languages (hundreds of them), cultures and identities. So it often seems extremely hypocritical to hear statements such as these.

 

Consequently, the immigrants framed as criminals are the result of centuries old racist ideologies. They pose no threat but the threat of looking different, which is again ironically hypocritical since white race is a minority in the world. Hence, even in the ripe year of 2026 racism thrives and the rest of the world suffers. Comments like “Immigration is not an opportunity. It is a tragedy.” ( by Marine Le Pen) are made openly without facing any backlash- instead receive grave support. Mayhaps immigration can stop once the British return the koh-e-noor, jewels and trillions of dollars worth of resources stolen from the sub continent.

Similar Posts

  • More Than “Just a Joke”

    Walk into any classroom and everything seems perfectly normal. Students are taking notes, chatting before class, and waiting for the lecture to begin. No one is arguing, no one is fighting, and everything appears calm on the surface. Yet for many students, there is a side of campus life that often goes unnoticed: bullying. For years, bullying has been treated as just a normal part of growing up, and honestly, many people will still argue that it is. Plenty still see it as harmless teasing, or worse, some rite of passage every student is simply expected to survive. The common response is often, “ignore it,” or “everyone deals with it, get over it,” as if that settles the matter. But ask the person actually on the receiving end, and it rarely feels harmless at all. What one student brushes off as a joke can leave another feeling embarrassed, isolated, and like they don’t belong anywhere in that room. The moment passes, but the hurt from it usually doesn’t, it lingers quietly while everyone else has already moved on. A student who gets mocked enough times eventually just stops raising his hand, or talking at all. Someone left out again and again stops trying to be included and stops showing up for activities.  Confidence is often the first thing to suffer, and academic performance also follows, when a student’s energy goes into avoiding attention rather than engaging in the class. By the time anyone notices, the damage is usually already done. Many would agree that this is because it does not appear all at once, it builds gradually and people mistake it for a bad mood, a phase, or anything but what it really is. As a student myself, this isn’t just something I’ve read about, I’ve seen how it feels to watch someone go quiet, to sit in a room that should feel safe and doesn’t. What I believe makes bullying so difficult to address is that it does not always look the way people expect. When people hear the word “bullying,” they often imagine physical confrontations. That’s not always how it turns out, though. In many cases, it is far less obvious and therefore much easier to overlook. It can take the form of repeated jokes at someone’s expense, hurtful nicknames, deliberate exclusion from social groups, or rumours spread behind a person’s back, things many of us have seen or experienced at some point. These behaviours are often considered as “just joking,” so a student ends up laughing along anyway, just to avoid seeming too sensitive, even when the comment is genuinely hurtful.  Emotional bullying is another common form including constant criticism, manipulation, or certain behaviours that slowly damages a person’s confidence and sense of belonging. This is probably the one most of us have gone through at some point in our student life, quietly, without ever really talking about it. And these days, it doesn’t even need a classroom to happen in. Social media, group chats, and anonymous messages have given it a whole new stage, extending its reach far beyond the campus walls. There is also a less-discussed form of bullying that affects some students whose parents work at the same school or college. These students are assumed to receive special treatment regardless of their actual performance. Their achievements may be dismissed as favouritism, and their hard work can be unfairly questioned. I admit it sounds strange, but it is a reality many students live with. While this may not involve insults or physical intimidation, constantly feeling judged for something beyond your control can be frustrating and humiliating. So why does bullying continue? Part of the answer is that mostly people underestimate its impact. A comment that seems minor to one person may stay with someone else for days or weeks. When unkind behaviour is overlooked, it can become normalized. What starts as a joke can slowly turn into a pattern. Worth asking too, is what drives a bully. Often, it is not insecurity but the confidence that comes from believing there will be no consequences. When nobody challenges the actions, it becomes a way of gaining attention, influence, or social status. That does not excuse the harm, but it helps explain why simply telling victims to ignore it doesn’t solve the problem. Now, the good part is that bullying is not inevitable. Small actions can make a meaningful difference. Teachers who recognize warning signs and students who choose to speak up when they witness unfair treatment all help create a better environment. Educational institutions should also make it easier for students to report problems without fear of embarrassment or retaliation. Perhaps most importantly, students themselves have more influence than they realize. A kind word, an invitation to join a group, or simply refusing to laugh at someone can change the atmosphere of a classroom.  Creating a respectful environment isn’t really about rules on a wall. It just needs one person willing to say something when everyone else stays quiet.

  • Frozen in the Dark: Why Is Gilgit-Baltistan Left O…

    Connecting Gilgit-Baltistan (GB) to the National Grid—and guaranteeing a dedicated clean hydro quota—is not merely an infrastructural goal; it is an ecological imperative and the definitive key to realizing the region’s full potential. High in the Karakoram and Himalayan ranges, where soaring glaciers feed the roaring Indus River, sits Gilgit-Baltistan—a land defined by its breathtaking landscapes, strategic geopolitical footprint, and an excruciating policy failure. Though this high-mountain region acts as the primary water tower of Pakistan, generating the very lifeblood that sustains the nation’s agricultural heartland and downstream hydroelectric dams, its own citizens spend their lives in perpetual darkness. For nearly eight decades since independence, the people of Gilgit-Baltistan have endured a chronic, soul-crushing energy crisis. In the harsh high-altitude winters, when temperatures plunge far below freezing and regional run-of-the-river hydel plants freeze solid or lose flow, power outages stretch to an agonizing twenty-two hours a day. Entire cities like Skardu and Gilgit grind to an absolute halt. Modern medical facilities run on expensive, precarious diesel generators, students study by the dim flicker of kerosene lamps, and families are forced to strip fragile mountain ecosystems of firewood simply to survive the winter. This domestic isolation becomes outright tragic when set against the backdrop of broader South Asian regional integration. Today, cross-border grid interconnections are becoming standard practice across the subcontinent. India has built high-voltage transmission lines linking its power architecture with Bhutan, Nepal, Bangladesh, and Myanmar, while making major technical strides to link Sri Lanka across the Palk Strait. Under frameworks like the “One Sun, One World, One Grid” initiative, neighboring nations seamlessly buy, sell, and route cross-border electricity to balance seasonal surpluses and deficits. Bhutan finances its national development by wheeling clean hydro power directly into the Indian market. Nepal trades its monsoon hydro surpluses across borders to avoid spilling water, pulling power back when river flows decline. Even nations separated by deep political, geographic, and sovereign boundaries manage to run copper and steel across international borders so their citizens do not sit in the dark. Yet, after 79 years of shared history, Pakistan presents an embarrassing anomaly. The state has built a national power grid that spans thousands of miles from the Arabian Sea to Khyber Pakhtunkhwa, and downcountry Pakistan often wrestles with systemic generation capacity surpluses, yet it has failed to link its own sovereign territory of Gilgit-Baltistan to the National Grid. Gilgit-Baltistan remains an island—an off-grid enclave stranded inside its own country, cut off from the main transmission backbone. While foreign nations in South Asia trade thousands of megawatts in real time across sovereign borders, Pakistan’s own northern frontier cannot draw a single kilowatt from the national thermal and solar reserves down south during the freezing winter months. This policy neglect is even more absurd considering that mere miles from where local populations freeze, one of the greatest engineering feats in South Asian history is taking shape. The Diamer Basha Dam Project, currently under construction near Chilas on the River Indus, boasts an astounding installed generation capacity of 4,500 megawatts and an expected annual output of over eighteen billion units of clean, renewable energy. The dam will transform Pakistan’s national economy, but it raises a fundamental moral and legal question: will it transform the lives of the people living in its shadow, or will the power simply pass over their heads to serve distant urban centers while local towns remain dark? To correct a structural imbalance that has persisted since 1947, the Federal Government of Pakistan and the Water and Power Development Authority (WAPDA) must formally dedicate a guaranteed quota of 500 megawatts of power from the Diamer Basha Dam directly to Gilgit-Baltistan. This allocation is not an act of federal charity; it is a pragmatic, economically transformative, and ethically mandatory policy that aligns local resource rights with national progress. To understand why a 500-megawatt direct allocation is essential, one must look at the region’s fragile, isolated micro-hydel infrastructure. Historically, Gilgit-Baltistan has relied on small-scale localized plants built on seasonal mountain streams. While these plants function adequately during the summer melt, they are acutely vulnerable to climate shifts and freeze cycles. When winter arrives and glacial run-offs plummet, local power generation drops by over eighty percent. Because the region is not connected to the main transmission grid, it cannot import balancing power, leaving the local economy frozen. Despite possessing immense potential as an international hub for eco-tourism, organic agriculture, high-altitude software hubs, and gemstone processing, serious industrial investors routinely stay away due to acute energy insecurity. The cost of doing business is artificially inflated by reliance on imported fossil fuels, creating a cycle of underdevelopment that forces educated, talented youth to migrate to major cities downcountry in search of basic livelihoods. Allocating 500 megawatts out of Diamer Basha’s 4,500-megawatt capacity represents just eleven percent of the dam’s total output. For the national power sector, absorbing this slight allocation is negligible. For Gilgit-Baltistan, however, this capacity is transformative. It represents complete regional energy self-sufficiency, year-round grid stability, and surplus capacity to fuel industrial growth for generations. To execute this vision cleanly and equitably, a structured cost-sharing implementation model must be established between the federal center and the region. The federal government and WAPDA must formally ring-fence a 500-megawatt generation quota from the powerhouse specifically for the region at concessional local tariffs. In return, the regional government of Gilgit-Baltistan must take complete ownership of downstream execution. The regional government must build high-voltage transmission lines connecting the powerhouse at Chilas to major regional load centers like Gilgit, Skardu, Hunza, and Ghizer, while overhauling local grid stations and distribution lines. By dividing responsibility—federal generation matched by regional distribution—both parties build a long-overdue partnership rooted in shared accountability. An allocation of this scale does far more than illuminate living rooms; it fundamentally reshapes the socio-economic trajectory of the entire northern frontier. With a dependable baseload, Gilgit-Baltistan can transition from a subsistence economy to a value-added manufacturing and processing hub. Local mineral wealth—including high-grade marble, granite, and precious gemstones—can be processed

  • The Future of Provinces in Pakistan

    The debate over the creation of new administrative units and provinces in Pakistan has once again occupied the national discourse after Federal Interior Minister Mohsin Naqvi declared that the country’s existing governance system had “collapsed” and argued that governance must be brought closer to the people through new administrative units. His remarks have revived an issue that has periodically surfaced since independence but has rarely moved beyond political rhetoric. While some interpreted his statement as a call for creating additional provinces, others argued that he was advocating broader administrative restructuring. Regardless of terminology, the debate has exposed the structural weaknesses of Pakistan’s governance architecture and compelled policymakers, constitutional experts and political parties to revisit an important question: can Pakistan continue to be governed effectively under its existing administrative framework, or has demographic growth, urban expansion and governance complexity made institutional restructuring unavoidable?  Pakistan today is home to more than 250 million people, yet it continues to function primarily through four provinces established under historical rather than administrative considerations. At independence in 1947, the population and governance challenges were dramatically different. Since then, urbanisation, economic diversification, internal migration and increasing demands for public services have transformed governance requirements. Provincial capitals often remain geographically and administratively distant from citizens living in peripheral districts. Residents of South Punjab, Hazara, southern Balochistan, merged districts of Khyber Pakhtunkhwa and interior Sindh frequently complain that decision-making remains concentrated in provincial capitals, resulting in unequal development, delayed service delivery and inadequate representation. Mohsin Naqvi’s argument rests on the proposition that governance has become excessively centralised and that citizens are compelled to travel long distances merely to access basic government services, courts and administrative offices. He further argued that countries with expanding populations have responded by creating additional administrative units rather than maintaining outdated structures. Whether one agrees with his assessment or not, his central observation deserves serious consideration because governance effectiveness is measured not by the size of government but by the accessibility, responsiveness and accountability of institutions.  The debate itself is not new. Successive governments have proposed South Punjab Province, Bahawalpur Province, Hazara Province and even administrative restructuring in Karachi and Balochistan. Parliamentary resolutions regarding South Punjab have previously been adopted, yet constitutional consensus has remained elusive. Political parties have often supported new provinces while in opposition but have shown considerably less enthusiasm after assuming power. Consequently, proposals have become election slogans rather than governance reforms.  Critics of creating new provinces argue that administrative fragmentation alone cannot solve governance failures. They point out that Pakistan’s primary problem is not necessarily the number of provinces but weak institutions, bureaucratic inefficiency, political interference, corruption and inconsistent implementation of laws. According to this perspective, multiplying provinces without institutional reform merely replicates existing inefficiencies across additional administrative boundaries. New provincial governments would require assemblies, governors, chief ministers, secretariats, police structures, judicial infrastructure and enormous recurring financial expenditures. Unless accompanied by governance reforms, decentralisation may simply increase administrative costs without improving public service delivery. Supporters, however, contend that administrative proximity improves governance outcomes. Comparative international experience demonstrates that countries such as India have periodically reorganised states to improve administrative efficiency and political representation. Smaller administrative jurisdictions often enable faster decision-making, improved monitoring, stronger accountability and more equitable distribution of development resources. Citizens generally experience better governance when government institutions are physically and administratively closer to them. These arguments have gained renewed attention following Naqvi’s intervention.  However, the current debate suffers from one significant omission. It largely ignores Pakistan’s weakest democratic institution: local government. Before creating additional provinces, policymakers must honestly evaluate why local governments have repeatedly failed. Pakistan has experimented with local government systems under different constitutional and political arrangements, yet these institutions have rarely been allowed to function independently and consistently. Elected local governments are frequently dissolved, elections are delayed and financial autonomy remains severely restricted. Provincial governments often resist devolving meaningful authority because local governments are perceived as political competitors rather than governance partners. This brings the issue of local body elections to the centre of the discussion. The Constitution envisions democratic decentralisation, yet local government elections have remained irregular across several provinces. In many cases, elected councils complete only partial terms or remain financially dependent upon provincial governments. Consequently, citizens seeking municipal services, sanitation, water supply, local roads, building regulation or community development frequently confront administrative paralysis. A country that struggles to sustain functioning local governments cannot realistically expect that merely creating additional provinces will automatically improve governance. The experience of Pakistan’s devolution reforms provides valuable lessons. The Local Government reforms introduced in the early 2000s attempted to decentralise authority by empowering districts and local councils. Although those reforms had weaknesses and generated political controversy, they demonstrated that bringing government closer to citizens can improve responsiveness when accompanied by fiscal authority, administrative autonomy and institutional accountability. Unfortunately, subsequent governments reversed or weakened many of these arrangements, resulting in repeated cycles of centralisation and decentralisation. Political reactions to Mohsin Naqvi’s proposal reflect Pakistan’s broader constitutional divisions. Some leaders have welcomed discussion on governance reform while supporting greater administrative decentralisation. Others have questioned both the timing and constitutional implications of the proposal, expressing concerns that restructuring provinces without broad political consensus could intensify ethnic, linguistic and regional sensitivities. There are also concerns that debates over provincial boundaries could distract attention from more immediate governance priorities, including economic recovery, inflation, institutional reforms and electoral credibility. The political diversity of these reactions demonstrates that constitutional restructuring cannot succeed through executive statements alone; it requires sustained parliamentary dialogue, provincial participation and national consensus.  The constitutional dimension cannot be overlooked. Creating new provinces requires constitutional amendments and political agreement among federal and provincial stakeholders. Such reforms inevitably involve questions relating to resource distribution, National Finance Commission allocations, Senate representation, civil service restructuring, judicial jurisdictions and provincial assets. Therefore, any attempt to redraw administrative boundaries without extensive consultation risks generating political instability rather than administrative efficiency. The opportunities nevertheless remain significant. Properly designed administrative restructuring could reduce regional disparities, improve public service delivery, enhance

  • The AJK Unrest

    Distrust in Azad Jammu and Kashmir is linked to a small but organized group that allegedly used social media manipulation, propaganda, and genuine public grievances to create an impression of widespread support disconnected from reality, deepening divisions within society and straining relations between the state and its citizens. The Rawalakot protests are said to have involved only a small fraction of AJK’s population of about four million, with fewer than 40,000 participants at peak attendance and likely around 10,000–15,000 overall, while more than five times that number reportedly traveled from Rawalakot to Rawalpindi on June 6 and 7. Many families moved weddings to Rawalpindi and Islamabad, sick people and schoolchildren left the town, and hundreds of families delayed school and college admissions until August because of the disruption. Most residents remained away from the protests to protect their families, forming a “silent majority,” while around 90 percent of people in other districts are said not to support the protesters’ agenda. Large political rallies in Muzaffarabad, Kotli, Dhirkot, and Bhimbar are taken as evidence of stronger support for the constitutional political process than for the Rawalakot sit-in. Around 10,000–15,000 protesters are held responsible for disrupting daily life, damaging the economy, creating fear and uncertainty, and causing disorder over an issue that could have been resolved through legislation, dialogue, and democratic institutions rather than confrontation and violence. Aided by a few journalists acting as propagandists, the movement is accused of using manipulated images, fake news, and emotional appeals to create the impression that the whole of Azad Kashmir supports it, even though the participants are said to constitute less than 10 percent of Rawalakot’s own population.   The government has addressed many demands by reducing electricity and flour prices, abolishing refugee ministries, reducing the number of ministers, halving the property transfer tax, completing the Rathwa Hariyam Bridge, withdrawing FIRs and legal cases, compensating the families of those killed and 56 injured people, providing a government job to Azhar’s brother, approving a Rs. 5.5 billion PC-1 for MRI facilities, and approving a Rs. 9 billion PC-1 to improve the power transmission system.   The application to make Azad Kashmir Bank a scheduled bank has been submitted to the State Bank of Pakistan, a move that will strengthen the financial sector and provide greater access to banking services for the people. The health card has been restored, a vital social safety net program that provides access to medical care for those who cannot afford it, and its restoration was a major victory for the people. Two new boards of education have been established, decentralizing the education system and allowing for more focused and effective administration of schools. The Mansehra, Muzaffarabad and Mangla expressways are included in the CPEC project, a game-changing development that will bring massive investment, improve connectivity, and create economic opportunities for the region. The establishment of Mirpur Airport was announced by the Prime Minister of Pakistan on live television, a major milestone that will open up the region to the world and facilitate trade and tourism, and work on the feasibility has started, with the project now moving from the planning stage to reality. The quota system has ended, a long-standing demand that was seen as discriminatory and unjust, and its abolition was a major step towards equality and fairness. Additional departments were abolished and merged with existing departments, a move that reduced bureaucracy and made the government more efficient. The e-tendering of electricity meters was approved, a reform that will ensure transparency and fairness in the procurement process. The demand for 30 KVA for schools and colleges was approved, and the notification has been issued, ensuring that educational institutions will have access to a reliable power supply. Now, among the remaining demands, there is a demand for 4 tunnels and bridges, infrastructure projects that are undeniably needed and would greatly benefit the people, but in reality one single tunnel is estimated to be completed in 10 billion rupees, and the total development budget of Azad Kashmir is less than 40 billion rupees, meaning that these projects cannot be built overnight. The government or no one has any magical capabilities, and no airport, bridges, and tunnels can be built overnight, as they require years of planning, feasibility studies, environmental assessments, and massive financial outlays that must be spread over many years.   In fact, after approving so many demands, after demonstrating such a clear willingness to address the grievances of the people, to insist on only one remaining demand and to lay siege to the entire region and paralyze the lives of millions, one must ask a crucial question: is it the stubborn government or the action committee that is being unreasonable?   The so-called peaceful revolutionary sit-in of the banned Joint Action Committee has been completely exposed for what it really is, and the mask of peaceful protest has slipped to reveal the ugly face of violent insurgency. Their so-called rational teams, which were presented as peaceful negotiators and organizers, are in fact positioned on rooftops with state-of-the-art SMG guns and ultra-expensive military binoculars, and their purpose is not to maintain order but to monitor the security forces on the ground, tracking their movements and planning for a confrontation. This is not a political sit-in, which is a legitimate form of protest in a democracy, but a planned military confrontation against the security forces of the state, a deliberate strategy to provoke a reaction and to create martyrs. Recently a banned Action Committee’s leader made a revealing statement, admitting to the supply of modern US-made M4 rifles to troublemakers, a serious accusation that confirms the armed nature of the group and its intent to use violence against the state. The banned JAAC is using fake and AI generated videos and posts to get the support of the people, manufacturing evidence and creating a false reality to manipulate public opinion, and these fabricated materials are spread widely on social media to create a sense of crisis and to incite hatred.

  • Before We Map New Provinces: Replacing Colonial Bu…

    For eighteen years, I have made a quiet, sometimes lonely case: that technology, not more paperwork and more offices, is the only honest path to good governance in Pakistan. I did not arrive at this conviction from a textbook. I arrived at it from a desk inside the Planning Commission, watching a system that was designed — on paper — to deliver development, and instead delivered delay, opacity, and grievance. Anyone who has sat through the sanctioning of a Public Sector Development Program (PSDP) project knows the ritual. The feasibility study is glowing. The PC-1 is approved with confident projections. Committees nod. Funds are released. And then the project disappears into the machinery of provincial implementation, where oversight thins out and accountability evaporates. What was promised on paper and what is delivered on the ground are, more often than not, two entirely different stories. I watched this happen again and again, and each time the gap between sanction and delivery was not explained by a shortage of money or expertise. It was explained by bureaucracy — a system built not to serve citizens but to preserve itself. This is not an abstract observation. It is the root of a very real and very dangerous problem. A significant part of the unrest we see in Balochistan, in Azad Jammu and Kashmir, and in Khyber Pakhtunkhwa is not simply about resources or geography. It is about the absence of transparency and the absence of governance that people can see, question, and trust. When a citizen cannot find out where a development fund went, when a project sanctioned in Islamabad never materializes as promised in a district headquarters, when the only visible authority is a bureaucrat with a stamp and a discretionary signature, resentment grows. People do not rebel against distance from the capital. They rebel against being governed by a system that treats them as subjects to be managed rather than citizens to be served. And here is the tragedy that too few are willing to name plainly: the bureaucratic architecture we still operate under was never designed to serve the governed. It was designed by the British Raj to control a colonized population — to extract revenue, maintain order, and ensure that authority always flowed downward from a distant center, never upward from the people. Files, layers of clearance, and the personal discretion of an officer were features of a colonial control system, not instruments of democratic accountability. We inherited that machinery at independence and, astonishingly, kept it largely intact. The tool built to pacify a colony has been repurposed, with barely a redesign, to govern a republic. It should trouble us deeply that a structure engineered to keep a colonized people in check is now one of the principal reasons that Pakistan’s most marginalized regions distrust their own government. So when the conversation turns, as it periodically does, to creating new administrative units — carving out new divisions, new districts, new tiers of provincial machinery — as the answer to Balochistan’s or KPK’s grievances, I feel obligated to push back, loudly. Before we draw a single new administrative boundary, we must confront the core disease, not multiply its symptoms. New units will not dilute bureaucratic power; they will replicate it. Every new administrative tier is another office, another set of discretionary signatures, another opportunity for the same colonial-era logic of gatekeeping to entrench itself further. For the aggrieved citizen in Turbat or Muzaffarabad or Bannu, a new secretariat is not relief. It is simply a new address for the same unaccountable authority. We would be handing the bureaucracy — an institution that has shown a consistent instinct for self-preservation — more territory to govern, not less power to abuse. Real relief requires shrinking the space in which discretion operates unchecked, not expanding the number of desks where it can be exercised. This is precisely why the moment for AI-enabled local governance has arrived, and why Pakistan can no longer afford to treat it as a distant aspiration. Around the world, and notably across India, urban local bodies and municipalities are moving beyond basic digitization toward what might be called algorithms of accountability — systems purpose-built to increase transparency, limit human discretion where it invites abuse, and protect citizen data. These frameworks generally rest on a few consistent pillars: ensuring that automated public decisions on things like welfare disbursement or tax assessment can be audited and challenged rather than buried in a file; protecting citizen data through clear legal safeguards; requiring any private vendor supplying government technology to disclose how its systems work; and actively checking automated tools for bias against marginalized communities. The Indian experience offers concrete, transferable lessons. Municipal bodies in cities like Delhi and Bengaluru now use satellite imagery and mapping systems to flag unauthorized construction and property tax discrepancies — but critically, they pair this with a human-verification step, so an algorithm’s flag is only ever an advisory alert, not a final punishment, creating a documented trail a citizen can actually contest. States such as Telangana and Maharashtra have deployed multilingual citizen chatbots to handle civic complaints, built with data-masking safeguards that strip personal information before it ever touches a broader system. Smart-city command centers in Surat and Pune operate under strict data retention rules, so surveillance footage is automatically deleted unless tied to an active investigation, preventing the machinery from becoming a permanent surveillance state. And where facial-recognition attendance systems have been used to track municipal staff, unions pushed successfully for dispute mechanisms so that a technical glitch never costs a worker their wages. None of these systems eliminate human judgment. What they eliminate is unaccountable, invisible, discretionary human judgment — the exact currency the colonial bureaucracy was built to trade in. That is the reform Pakistan needs at the local government level: not another administrative layer, but a transparent, auditable, citizen-facing system that makes it structurally difficult for a project to vanish between sanction and delivery, and structurally easy for a citizen in the

  • Riba elimination ‘strategy paper’

    The Post-2027 Financial System in Pakistan strategy paper, released by the Ministry of Finance, is an important acknowledgement that the elimination of Riba [Quranic term for unjust gain and enrichment by exploitative use of capital without any real underlying economic activity] can no longer remain an open-ended constitutional promise. The paper correctly links the transition to the Federal Shariat Court judgment of April 28, 2022, and the Constitution (Twenty-sixth Amendment) Act, 2024, which inserted a deadline into Article 38(f) for the complete elimination of Riba before January 1, 2028. The main weakness is that the paper converts a binding constitutional requirement into a gradual, conditional and partly voluntary programme. The strategy therefore supports the objective of eliminating Riba while simultaneously preserving routes through which interest-based finance could continue after the constitutional deadline. The Islamic legal standard is stricter than the strategy’s policy language. The Federal Shariat Court held in Shariat Petition No. 30-L of 1991 and connected matters that Riba is prohibited in all its forms and manifestations, while the International Islamic Fiqh Academy’s Resolution No. 10 (10/2) of 1985 treats any stipulated increase on a loan or overdue debt as prohibited Riba. The Qur’anic rule permits the creditor to recover the principal but not an agreed increase merely because time has passed, while Sahih Muslim 1598 condemns the receiver, payer, recorder and witnesses of an interest transaction. The legal test is therefore based on economic substance rather than terminology. The contract does not become Islamic merely because interest is renamed as profit or mark-up where the financier receives a predetermined debt increase without genuine ownership or risk. The strategy’s most serious contradiction concerns foreign-owned financial institutions. The paper expects most domestically owned institutions to convert, but it makes the transformation of majority foreign-owned banks voluntary and later suggests that such banks may continue offering both conventional and Islamic products. The exemption is inconsistent with Article 38(f) of the Constitution because the constitutional character of Riba cannot depend on the nationality of shareholders. The same interest-bearing loan cannot be prohibited when issued by a Pakistani-controlled bank and acceptable when issued by a foreign-controlled bank [Rethinking Pakistan’s economic model—III: Banking, debt & Illusion of Reform, Minute Mirror, May 3, 2026] The exemption would create a two-tier market in which domestic banks bear conversion costs while foreign institutions retain conventional products. The strategy should instead impose an activity-based rule under which no licensed institution, regardless of ownership, may originate a new interest-bearing contract in Pakistan after December 31, 2027.   The treatment of existing conventional debt creates a second constitutional problem. The strategy promises that obligations contracted before the deadline will continue according to their original terms and that conventional public debt will be replaced only when each instrument matures.  The approach may preserve interest payments for years after January 1, 2028, where sovereign bonds, multilateral loans or syndicated facilities have long residual maturities. The concern does not mean that Pakistan should repudiate contracts, because unilateral default could trigger litigation, acceleration, cross-default and loss of market access. The Government must distinguish unavoidable transitional obligations from liabilities that can be refinanced, converted or redeemed early. The policy should require a debt-by-debt register showing principal, interest, maturity, governing law, conversion options, creditor consent and final sunset dates rather than granting a blanket exception until maturity. The language governing new finance is also too weak. The strategy says that the Government will “explore all options” for Shariah-compliant domestic funding and will “strive” to obtain Islamic foreign financing where reasonable and commercially viable options are available. The constitutional obligation is not a best-efforts commitment conditioned on pricing convenience. The revised policy should prohibit new interest-bearing public borrowing after the cut-off and require every proposed Murabaha, Ijarah, Istisna, Salam, Musharakah, Mudarabah or Wakalah structure to receive documented legal, fiscal and Shariah approval. The legislative programme must also identify the precise amendments required to the State Bank of Pakistan Act, 1956, the Banking Companies Ordinance, 1962, the Financial Institutions (Recovery of Finances) Ordinance, 2001, the Government Securities Act, 2006, the Securities Act, 2015, the Companies Act, 2017, the Deposit Protection Corporation Act, 2016, the Insurance Ordinance, 2000 and relevant tax, insolvency and provincial laws. The paper’s assertion that banking-law amendments are “minor” understates the scale of the required transformation. The monetary policy framework requires scrutiny because Shariah compliance cannot be achieved merely by relabeling conventional central bank instruments [Who will draft Riba Prohibition Law? Minute Mirror, April 7, 2026]. The strategy states that the State Bank will use Shariah compliant open market operations and standing facilities, yet SBP’s DMMD Circular No. 24 of 2021 provides that the expected return on its Mudarabah based standing facility equals the conventional overnight reverse repo ceiling rate. The use of a conventional benchmark does not automatically invalidate a genuine Mudarabah, but mechanical replication creates a material form over substance risk. The revised framework should require transparent profit pools, ex-post reconciliation of returns, genuine exposure to permissible assets and clear treatment of losses—Is Riba free banking possible?, Dawn, April 27, 2012. The framework should also explain how reserve requirements, lender-of-last-resort support, liquidity absorption, foreign-exchange operations and monetary transmission will function without continuing dependence on an interest-rate corridor. The proposed hybrid Ijarah-cum-Murabaha Sukuk and Assets Registry Company are practical responses to the shortage of sovereign assets, but they require stronger safeguards. The paper states that the hybrid structure could support Sukuk issuance approaching twice the value of underlying assets and that registered federal assets would remain in governmental use. The International Islamic Fiqh Academy requires Sukuk to establish true ownership, effective disposal rights and corresponding liability rather than fictitious or circular asset transfers. The registry should disclose title, valuation, encumbrance, beneficial ownership, usufruct and the exact risk transferred to investors. The treatment of retained earnings also requires a purification methodology separating lawful capital and trading income from identifiable interest-derived earnings. The paper’s statement that converting banks may keep retained earnings is incomplete unless independent Shariah audit, charitable disposal of prohibited income and transparent

Leave a Reply

Your email address will not be published. Required fields are marked *