miscellaneous topics

  Getting rid of the global interest-based banking system is a massive political-economic project, but it’s possible to describe realistic routes, trade-offs, and concrete steps people and policymakers can take. Below I’ll outline what interest banking is, alternatives, policy levers, a practical transition pathway, actions individuals/communities can take now, and major risks to watch. What you’re asking to change (quick definition) “Interest-based banking” = financial system where banks create credit and charge interest on loans, and much of returns to capital come from interest. It’s built into modern fractional-reserve banking, debt markets, and investment returns. Big picture alternatives Profit-and-loss sharing finance (banking-as-equity): lenders become partners in projects (returns tied to profits, not fixed interest). Used in many Islamic-finance models (mudaraba, musharaka). Zero-interest or low-interest community/cooperative banking : credit unions, mutual ba...

  Rwanda’s history and transformation since the 1994 genocide against the Tutsi offer some of the most powerful lessons in resilience, governance, and reconciliation. Here are important lessons one can learn from Rwanda : 1. The Power of Reconciliation Despite the deep wounds of genocide, Rwanda invested in community-based justice (Gacaca courts) and truth-telling processes. Lesson: Even after extreme violence, reconciliation and forgiveness can rebuild societies. 2. Unity Over Division Ethnic identity was weaponized to fuel hatred, but the post-genocide government emphasized national unity over ethnic labels. Lesson: Prioritizing shared identity and common goals prevents divisions from being exploited. 3. Strong Leadership and Vision Rwanda’s recovery shows how determined leadership, with clear vision and accountability, can transform a nation. Lesson: Leadership rooted in discipline and long-term planning is key to post-conflict recovery. 4. Grassr...

  The world can learn several important lessons from Bangladesh , a country that, despite numerous challenges—including poverty, overpopulation, climate vulnerability, and political instability—has made notable progress in several key areas. Here are the main takeaways: 🌾 1. Grassroots Development & Social Innovation Lesson: Bottom-up development works. BRAC (Bangladesh Rural Advancement Committee), the world’s largest NGO, started in Bangladesh and has pioneered scalable models in education, microfinance, healthcare, and disaster relief. Bangladesh showed that community-based models , especially empowering women and the poor, can deliver high-impact, sustainable development. 👩‍⚕️ 2. Health & Family Planning Success Lesson: Investing in women’s health leads to long-term national gains. Bangladesh drastically reduced its fertility rate from over 6 in the 1970s to about 2 today—without coercion. With low-cost, female-led rural health programs, it al...

  The best AI video-making tool depends on your specific needs—like whether you want to create animated explainers, talking avatars, real human-style presenters, marketing content, or realistic deepfakes. Here's a breakdown of the top options in 2025 , categorized by use case: 🔹 Best Overall for Business/Marketing 1. Pictory Use : Turn long-form content (blogs, scripts) into short, branded videos. Strengths : Text-to-video, stock footage, voiceover, auto-subtitles. Best For : Social media, content marketing, YouTube. 2. Synthesia Use : Create professional videos with AI avatars speaking multiple languages. Strengths : Corporate training, explainer videos. Best For : Businesses, e-learning. 🔹 Best for YouTubers & Creators 3. Runway ML (Gen-2) Use : Text-to-video, image-to-video, video editing with AI. Strengths : Creative visual storytelling, advanced effects. Best For : Creators, filmmakers, music video makers. 4. InVideo AI Use : ...

  BY  Dr.Zakir Naik     This is a very important question. No lecture of mine on this topic of ‘Qur’an and Modern Science’, is complete without this question. I have given this talk in various places in Canada, in U.S.A, in U.K, in Saudi – Never is this topic complete – never is the Question and  Answer  session complete, without this important question of ‘Theory of Evolution’… Charles Darwin. Sister has posed the question – how can you reconcile the Qur’an, with Darwin’s ‘Theory of Evolution’? Sister, I have not come across any book which says… ‘Fact of Evolution’. All the books say ‘Theory of Evolution’ – there is no book  I have come across saying fact of evolution. If you read the book by  Charles Darwin ‘The Origin of Species’ – It says that… “Charles Darwin went on an island by the name of ‘Keletropist’ on a ship named as ‘HMS Beagel’ and there he found birds pecking at niches. Depending upon the Ecological niches they peck, the beaks ...