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How to Start a Desi Ghee Business
Do you like desi ghee? Or maybe you’re already doing this business, or planning to start? If yes, then this article will be very useful for you, Insha’Allah.
I have only one request: please read the whole article carefully. Try to understand it fully. If something is unclear, ask me first before raising objections. Many ghee sellers sometimes get upset with me, thinking I write against them. That’s not true. I always clarify that yes, some people are dishonest in this trade, but there are also many who are doing excellent work.
So if your product is pure, why worry? As Muslims, we believe that what Allah has written in our destiny will reach us. Then why all the fear and panic?
Eight years ago, no one knew me. I simply worked hard, and today Alhamdulillah people know my name. You too should put in effort—you will succeed, Insha’Allah.
Now let’s get to the main topic.
A Real-Life Example
Recently, a religious scholar came to me. He said, “I want my son to start the desi ghee business on a big scale, just like you. We want to provide people with pure ghee.”
I asked him: “Have you or your son ever done business before?”
He replied: “No. I’ve always been in madrasa, and my son just completed his studies.”
So I said: “Then how will you manage? This work requires routine changes, physical effort, and hands-on experience.”
He quickly answered: “We’ll hire workers, and my son will just supervise.”
I smiled and explained: “If you don’t know the work yourself, how will you supervise others? Money alone doesn’t guarantee success. Skills and expertise make money, not just investment.”
In the end, we agreed that the best way is to learn the work yourself—make ghee with your own hands, understand the process, and only then expand.
Lessons From My 8-Year Journey
Here are some things I’ve learned in my 8-year journey with desi ghee:
1. Choose your field wisely – Just because someone else is successful in a business doesn’t mean you will be too. Think carefully: is this business suitable for you? Do you have the passion and resources?
2. Stick to your decision – If you choose ghee, then commit to it. Don’t keep looking left and right, thinking, “Oh, that person is earning more in another field.”
3. Learn from elders – Start with small experiments. I learned from my mother how to make butter and ghee. At first, I bought small tools like clay pots and hand churners. You can use steel ones (they are easier to handle).
4. Be ready for losses – In the beginning, you will make mistakes. I once lost 500 liters of milk, and another time even 1,000 liters went to waste. But I didn’t give up. Slowly, I understood the process.
5. Buy quality raw material – The foundation of good ghee is good milk or cream.
In our city, high-quality milk costs around 160 rupees per kilo, in villages 120, and sometimes even cheaper if bought in bulk.
Another shortcut: buy fresh cream directly from dairies where milk sellers separate cream in the morning. It costs around 1000–1050 rupees per kilo. Always buy fresh, not stored.
6. Simple process to start at home –
Take 5 kg of fresh cream and 5 kg of good-quality milk. Warm the milk, mix the cream into it.
Add a little yogurt and salt to set it like curd. Leave it for 24 hours. The more sour it gets, the better the ghee flavor.
After 24 hours, freeze it until firm.
Then churn it in a clay pot or even a blender. Butter will separate quickly.
Heat the butter slowly in a pan until foam disappears. Your pure desi ghee is ready!
Why Do It Yourself?
When you make ghee with your own hands, your heart will be satisfied. No chance of fraud, no doubts. You’ll know exactly what’s in it. And believe me, once you taste your own ghee, your heart will say: “This is the best!”
Yes, it requires effort and patience. But the happiness and peace you get from honest work cannot be described in words.
Final Words
Success doesn’t come overnight. It comes with:
Hard work
Patience
Consistency
Be the rider in the business field, not just a spectator. Either live life on your own terms—or spend your whole life working under others.
The choice is yours. [...]
Dubai Gold Rate Today – 24K, 22K & 21K Price Updates
As of 13th September 2025, gold price in Dubai is again catching attention, many peoples checking every hour to know the current rates, because it keep changing very fast in the market. Right now 24K gold was showing around AED 440.00 per gram, 22K gold stay approx AED 407.25 per gram, while 21K gold close to AED 390.75 per gram. These are the latest known figure but keep in mind, gold never stay same price for full day, sometimes it go up in few hours, sometimes down. So whoever planning to buy gold, it is better to keep eye on live gold rate providers or jewellery shops official rate board.
Gold price always changing because of global market
oil rates, doller strenght and also demand in UAE. Dubai is hub for gold shopping so many tourist and locals both watch daily rates, some buying small jewelry for wedding, some investors buy gold bar. Whatever the reason, price movement matter alot.
Now if we see detail, 24K is considered purest gold, its price on Friday was AED 440 per gram. This is the highest rate among others since purity is max. People who prefer quality always choose 24K even tho it is costly.
On other side 22K gold, which is also very popular specially in Middle East, was around AED 407.25 per gram. This type of gold often use for ornaments, rings, and necklace because little bit stronger then 24K.
Meanwhile, 21K gold price shown at AED 390.75 per gram. This is bit cheaper compare to 22K and 24K, so many families choose it for affordable jewelry while still good quality.
But remember, these price was only till September 13, and after few hours maybe it changed already. Market condition decide everything. That’s why experts always say “don’t rely on yesterday gold price, check today’s live update before making big decision.”
Many buyer get confused why price fluctuate so much. The reason is international gold rate, currency conversion with US doller, supply and demand inside UAE market. Even festivals and wedding season push gold rate high.
Jewellery shop in Dubai update their board multiple time in day. If you go morning you may see one price, in evening different price. So buyer need to be alert.
24K gold is most expensive but also most demanded by investors, some buy coins or bars just for savings. People believe gold is safe asset, no matter what happen with stock market, gold hold value.
22K is mostly family choice, specially for making sets and bangles. Dubai famous for wide range design, so rate update is important for daily shoppers too.
21K is balance option, good for those who want quality but also looking budget friendly.
Gold price also effect by oil market, when oil up, gold sometime go down, but not always. Also when dollar strong, gold often weak. So it’s like a see-saw game.
Tourists visiting Dubai from India, Pakistan or Europe also very interested in gold price. Because Dubai gold market is tax friendly compare to many countries. People wait for little dip in rates and then purchase.
If you planning to buy, best is to check Dubai Gold & Jewellery Group official site, they update rates regularly. But many people still rely on shop display because sometimes small variation happen.
Now let’s talk little about history, in 2023 and 2024 gold prices in Dubai was also high, sometimes crossing AED 250 per gram for 22K. Now in 2025 rates touching AED 400+ show how much increase happen. Investors who buy 2 years back already making profit.
Wedding season always see rush in gold shops, specially in Deira Gold Souk. Peoples crowd, bargaining and buying chains, bangles. Even small movement of AED 2-3 per gram matter when buying big quantity.
Financial expert also advise to not buy in hurry. Because market keep changing, sometimes waiting 1-2 days save good money.
On Sept 13, Friday, many shoppers was surprised
with high rate touching AED 440 for 24K. Some postponed buying, some still go ahead because of wedding deadlines.
Some casual buyers say “Gold price never come down much, so why wait, just buy now.” Others believe in waiting for dip.
Different communities in UAE also follow gold rate daily on WhatsApp groups, Facebook page, even family discussions always about “today rate kya hai”.
Dubai is called “City of Gold” and still true, every street has shops shining with jewellery. But the most important is to know daily rate otherwise you may pay more then needed.
Fluctuation also give traders chance to earn, they buy bulk in low rate, sell when rate rise. For normal buyer this is difficult, but for investor it is big business.
Many expats also send gold back home when price look favorable. For them every AED count.
Another point, making charges also add to final cost. So even if rate is 407 per gram, shop may add making charges 10-15 AED extra. Customers should check both rate and charges.
On September 13 rates was officially:
24K Gold: AED 440.00
22K Gold: AED 407.25
21K Gold: AED 390.75
But by September 13 morning maybe already changed, thats why live checking important.
“Dubai gold rate today”, “24K gold price in Dubai”, “22K gold price per gram UAE”, “21K gold Dubai today”
So if you are searching online, always type latest date with gold price, because old page show old rates.
Gold buying in Dubai always remain big tradition. Whether its Diwali, Eid, Christmas, or wedding, gold gifts is must.
UAE central market also monitor gold rate, but still daily fluctuation is part of global economy.
Final thought:
As of Friday, 12 September 2025, the official rate was AED 440 for 24K, AED 407.25 for 22K, AED 390.75 for 21K. But don’t forget, prices not fix for whole day, check before buying.
Some buyers say goverment should control fluctuation, but actually its not possible because rate depend on international market.
If you serious investor, better follow live charts, apps, or news portal. For casual buyer, just confirm at shop counter before payment.
End of the day, gold remain safe heaven, whether price high or low, people continue buying in Dubai. [...]
The Soaring Price of Sugar in Pakistan – Public Challenges and Possible Solutions
One of the most pressing issues in Pakistan today is the skyrocketing prices of daily necessities, and sugar remains at the center of this storm. Once considered affordable for every household, sugar has now reached an astonishing price of Rs. 195 per kilogram. This steep hike has not only burdened the public but also raised serious questions about government policies.
Reasons Behind the Price Hike
The sharp increase in sugar prices cannot be explained by a single factor; rather, it is the outcome of multiple interconnected issues:
1. Rising Production Costs – Farmers face higher expenses in sugarcane cultivation, which directly impacts the price of sugar.
2. Hoarding and Profiteering – Artificial shortages are often created in markets, pushing prices upward.
3. Import Pressures and Dollar Rates – Whenever the government imports sugar, the high dollar rate adds further strain on consumers.
4. Weak Governance – The inability of regulatory authorities to take timely action worsens the crisis.
Public Hardships
Sugar is not just a sweetener; it is a staple in daily life. Housewives, shopkeepers, and restaurant owners alike are distressed by this sudden price surge.
Low- and middle-income families are the hardest hit.
Small shops and tea stalls are forced to increase their prices.
The bakery and beverage industries are also facing setbacks.
Thus, the problem extends beyond sugar alone and has a ripple effect on the wider economy.
Government’s Responsibility
It is the primary duty of the government to provide relief to its citizens. Strict action against hoarders, a transparent market system, and policies that benefit farmers directly are essential. Without such steps, the price of sugar may climb even higher.
Public Opinion
Ordinary citizens say that with the pace of inflation, it feels like sugar will one day become as valuable as gold. They believe the government should move beyond statements and take practical measures to ease the lives of common people.
Possible Solutions
Strict action against hoarding and profiteering
Promotion of local production and farmer incentives
Effective import strategies
Bringing transparency to the market system
Conclusion
The soaring price of sugar is not just an economic issue; it has turned into a serious social concern. If immediate measures are not taken, the crisis may intensify further. The need of the hour is a joint effort by the government, industry stakeholders, and farmers to ensure that sugar remains affordable and accessible for ordinary citizens.
[...]
CM.govt.Loan.Scheme | CM Punjab Loan Scheme 2025 CM
Imagine fulfilling your dreams without worrying about paying the full amount at once. Under the leadership of Chief Minister Maryam Nawaz, the Punjab Government has introduced the CM Punjab Loan Scheme 2025.
This scheme allows students, entrepreneurs, and deserving citizens to access financial support through easy monthly installments with minimum markup. The initiative aims to empower people by providing them with affordable loans, making it easier to start businesses, continue education, or meet personal needs.
Quick Overview – CM Punjab Loan Scheme 2025
This year’s scheme brings forward new features with a focus on affordability, inclusivity, and transparency. Instead of relying on costly borrowing methods, students and citizens can now access government-backed loans on easy installments with minimum markup.
What’s New in 2025?
The scheme has introduced flexible loan options with minimal interest rates, ensuring that everyone—especially students and young entrepreneurs—can benefit. The program is structured to encourage inclusivity, with special quotas:
25% for female applicants
30% for rural applicants
5% for disabled individuals
A portion reserved for minorities and other disadvantaged groups
This balance makes the scheme more inclusive than any previous initiative.
Why the CM Punjab Loan Scheme 2025 Matters
Financial pressure has always been a challenge for families in Punjab. Whether it is higher education, business startups, or personal financial needs, access to affordable loans has remained limited. This scheme directly addresses these issues by:
Providing easy and transparent financial assistance
Supporting students in continuing their education
Helping small businesses grow
Empowering women and marginalized groups financially
Reducing the reliance on informal moneylenders
How to Apply – Step-by-Step Guide
The entire application process is completely online. Applicants need to:
1. Visit the official portal and click on “Apply Now.”
2. Enter CNIC, educational or business details, and contact information.
3. Upload required documents such as educational ID, business plan (if applicable), and guarantor details.
4. Submit the application and receive a tracking ID.
Verification and loan distribution will be handled by the Bank of Punjab, which will contact selected applicants for further processing.
Installment Plan – Affordable for Everyone
The installment plans are designed to be budget-friendly. Loan repayment will be spread over a flexible period (up to 2 years or more, depending on the loan category). The Punjab Government will subsidize a significant portion of the cost, ensuring that the monthly installments remain minimal and within the reach of students and low-income citizens.
Real-Life Impact – Voices from Beneficiaries
Early beneficiaries have already reported positive changes in their lives. For example:
Razia Fatima, a student from Bahawalnagar, shared that the loan helped her continue her studies without financial hurdles.
Danial Niazi, a young entrepreneur from Lahore, said the scheme allowed him to set up a small business, and the profits now easily cover his loan installment.
These stories reflect the scheme’s impact in reducing financial stress and creating new opportunities.
Background – Who’s Behind the Initiative?
The CM Punjab Loan Scheme 2025 is part of the Maryam Nawaz Youth Empowerment Program. Unlike previous efforts, this scheme focuses on economic empowerment, inclusivity, and transparency. It represents a people-first approach to governance, where financial assistance goes hand in hand with long-term development.
Conclusion
The CM Punjab Loan Scheme 2025 is more than just a financial aid program—it is a pathway to empowerment, education, and sustainable economic growth. With special quotas for women, rural citizens, disabled individuals, and minorities, it stands as one of Punjab’s most inclusive initiatives.
However, since quotas, deadlines, and repayment amounts may vary with each phase of the scheme, applica
nts are advised to apply early and stay updated through the official portal.
[...]
Prime Minister Launches Second Phase of CPEC, Invites Chinese Investors to Pakistan
Islamabad: Prime Minister has announced that the landmark economic initiative between Pakistan and China, CPEC 2.0, has officially entered its second phase. He said this phase will further strengthen economic ties between the two countries and play a vital role in Pakistan’s development.
Call for Chinese Investment
The Prime Minister urged Chinese investors to step forward and take full advantage of the golden opportunities in the second phase. He highlighted that the first phase of CPEC focused on infrastructure and energy projects, which successfully delivered:
Over 5,000 megawatts of electricity projects
More than 1,100 kilometers of modern motorways
Advanced port infrastructure facilities
Focus of CPEC 2.0
According to the Prime Minister, CPEC 2.0 will primarily focus on:
Industry and Manufacturing
Agriculture Development
Information Technology (IT)
Railway Modernization
Special Economic Zones (SEZs)
Advanced Technology Initiatives
He noted that SEZs are being established in Faisalabad, Rashakai, Dhabeji, and Gwadar, where investors will receive:
Tax incentives
Business-friendly facilities
World-class infrastructure
Agricultural and Digital Cooperation
The Prime Minister further stated that under CPEC 2.0, agricultural cooperation will be enhanced to boost Pakistan’s crop production through modern technology. In addition, IT and digital economy sectors have been opened for Chinese partnerships, creating new avenues for growth.
Employment and Export Growth
The Prime Minister emphasized that this phase will create millions of job opportunities within Pakistan and significantly boost the country’s export capacity. He stressed that CPEC is not only a gateway for Pakistan’s development but also a path to prosperity for the entire region.
Government’s Commitment
Reaffirming Pakistan’s stance, the Prime Minister assured that the government will provide:
Full security for investors
Transparent policies
Ease of doing business facilities
He concluded by expressing confidence that the second phase of CPEC will prove to be even more successful than the first. [...]
Electric Bills Surge Nearly 10% This Year—And Could Climb Higher
Electricity costs for U.S. households have surged almost 10% since the start of the year, with analysts warning bills could rise by an additional $170 annually by 2035. The increase is being linked to the repeal of clean energy tax credits, newly imposed tariffs, and the rapid growth of electricity-hungry data centers powering artificial intelligence.
According to the latest figures from the Energy Information Administration, residential electricity prices rose from 15.95 cents per kilowatt-hour in January to 17.47 cents in May—marking a 9.5% jump since President Donald Trump began his second term. Over the past 12 months alone, electricity prices have climbed 5.5%, nearly double the pace of overall inflation, which stood at 2.7%.
Although Trump has repeatedly pledged to reduce household utility costs, several studies released this summer point to his policies as a driving factor behind the surge. These include new tariffs, a rollback of clean energy initiatives, and his support for the expansion of data centers to back the country’s artificial intelligence and cryptocurrency ambitions.
A recent analysis by Energy Innovation, a climate-focused think tank, estimates that provisions in the One Big Beautiful Bill Act—signed into law on July 4—will push wholesale electricity prices up by 74% over the next decade. This increase would translate into an average household cost hike of about $170 per year by 2035.
Tariffs on steel, aluminum, and related materials are expected to raise construction and maintenance expenses for transmission lines, substations, and power plants. These added costs will likely be passed down to consumers. Meanwhile, energy imports from Canada and Mexico are also subject to new tariffs, further straining supply.
Adding to the pressure is Trump’s push to make the U.S. “the world capital of artificial intelligence and crypto.” The resulting boom in power-intensive data centers has accelerated demand for electricity, further fueling higher prices for American households. [...]
Target CEO Brian Cornell Steps Down After 11 Years
New York Target’s longtime chief executive, Brian Cornell, will step down from his role after serving nearly 11 years at the helm, as the retail giant struggles with declining sales and growing criticism over its shifting diversity and inclusion policies.
Cornell, who took charge in 2014, is credited with revitalizing the brand through store remodels and a stronger online presence, helping Target better compete with rivals like Amazon. However, in recent years the retailer has faced a steep downturn, hit by weaker demand for home goods and apparel, along with fierce competition from Walmart, Costco, and Amazon.
The leadership transition will take place on February 1, 2026. Cornell will be succeeded by Michael Fiddelke, Target’s current chief operating officer, who has been with the company for two decades. While some analysts pushed for an external hire to bring fresh perspective, Target’s board has chosen to stick with an insider.
On Wednesday, Target reported its third consecutive quarter of falling sales, pushing shares down by 8% in premarket trading. The company’s stock is among the S&P 500’s poorest performers this year.
This marks a pivotal moment for Target as it looks to regain customer trust and stabilize its business under new leadership. [...]