Mulk Default Karne Wala Hay. Economy Ki Haalat Kharab Hay. IMF Qarz Nahi Day Raha. Pakistan Mein Har Dahai Mein Aisi Duhaiyan Sunai Deti Rahi Hain. Shuru Din Se Qarz Par Chalnay Walay Mulk Mein Aisa Hona Koi Anokhi Baat Bhi Nahi. Magar Guzishta Chand Mahinon Se To Yeh Shor Bohat Barh Gaya Hay. Aik Tarf Covid-19 Ke Baad Se World Economies Pressure Ka Shikaar Theen Tou Is Ke Baad Russia Ukraine War Se Duniya Bhar Mein Mehengai Ka Jo Toofaan Aaya Is Se Bhi Har Mulk Mutasir Hua, Khaas Tor Par Kamzor Economy Walay Mulk Shadeed Mushkilaat Se Dochar Hain.
May 2022 Mein Sri Lanka Ke Dewalia Honay Ke Baad Se Pakistan Mein Ghabrahat Barh Gayi Thi. July Mein International Institutions Ne Mazeed 10 Se Ziyada Mulkon Ke Default Honay Ka Khadsha Zahir Kya Tha Jin Mein Pakistan Bhi Shaamil Tha. Lekin Us Waqt IMF Ki Qist Aur Dost Mulkon Se Qarz Milnay Se Pakistan Khatray Se Nikal Gaya Tha.
Flood Ki Tabah Kariyon Ne Bhi Pakistan Ki Economy Ko Sakht Nuqsaan Pohanchaya. Exports Na Barhnay Aur Foreign Remittances Mein Kami Se Rupee Par Dabao Barqarar Hay. Aisay Mein Political Uncertainty Ke Sabab Awam Mein Be Cheni Aur Be Yaqeeni Barh Rahi Hay. Yahi Wajah Hay Ke Pakistan Mein In Dinon Logon Par Gold Ki Kharidari Ka Junoon Chaaya Hua Hay. Sonay Ki Qeemat Aik Saal Mein 41 % Barh Chuki Hay. Interest Rate Mein Izafay Ke Bawajood Log Bankon Mein Paisay Rakhnay Ke Bajaye Dollar, Pound Aur Gold Khareed Rahay Hain.
Wazeer-e-Khazana Baar Baar Awam Ko Yaqeen Dila Rahay Hain Ke Khatray Ki Koi Baat Nahi. Mulk Default Nahi Hoga. Forex Reserves Kam Honay Ke Bawajood Pakistan Ko Payment Ke Kisi Crisis Ka Saamna Nahi Hay. Dost Mulkom Aur IMF Se Muamlaat Set Ho Jayen Gay. Lekin Khuda Na Khwasta Aisa Na Hua Tou Kya Hoga? Kya Mulk Default Kar Jaye Ga? Is Soorat Mein Kya Hoga?
Default Hona Kya Hota Hay?
Jis Tarha Koi Fard Ya Company Kisi Dosray Fard, Bank Ya Company Se Apni Zaroorat Poori Karne Ke Liye Qarz Letay Hain Aur Aam Tor Par Qiston Mein Qarz Wapas Kar Detay Hain. Isi Tarha Mulk Bhi Doosray Mulkon Aur Idaron Se Lone Letay Hain Aur Is Par Interest Ada Karte Hain Aur Qistoon Mein Qarz Wapas Kartay Hain. Ab Agar Koi Insaan, Company Ya Mulk Liye Gaye Qarzon Ki Qist Muqarara Muddat Par Jama Na Kraske. Ya Qarz Ki Wapsi Ki Muddat Honay Par Raqam Ada Na Kar Sakay Tou Usay Default Kehte Hain. Lekin Mulkon Ka Muamla Company Aur Afraad Se Mukhtalif Hota Hay.
Agar Koi Fard Ya Company Na Dahinda Ho Jaye Tou Us Ke Khilaaf Loacl Laws Ke Mutabiq Karrawai Ki Jati Hay. Court Us Ke Assets Bech Kar Qarz Dainay Walon Ko Raqam Wapas Dilwati Hay. Lekin Agar Koi Mulk Default Ho Jaye Tou Koi Aisi Aalmi Adalat Nahi Jo Us Mulk Ke Khilaaf Aisi Karrawai Ka Hukum Day Sakay. Qarz Dainay Walay Us Mulk Ke Assets Par Zabardasti Qabza Nahi Kar Saktay. Lekin Is Default Ki Qeemat Poori Qaum Ko Ada Karni Parti Hay.
Default Se Us Mulk Ki Reputation Kharab Ho Jati Hay. Mazeed Loans Nahi Mlitay Ya Bohat Hi Sakht Conditions Par Mlitay Hain. Yahi Wajah Hay Ke Koi Mulk Agar Default Ho Jaye To Bhi Wo Apne Puranay Qarzay Ada Karne Ki Koshish Karta Hay. Ya Loan Dainay Walay Idaron Aur Mulkon Se Compromise Kya Jata Hay Aur Un Ke Qarz Ka Kuch Nah Kuch Hissa Wapas Kya Jata Hay.
Default Honay Ke Kya Effects Hotay Hain?
Higher Interest Rate
Kisi Bhi Mulk Ke Default Honay Ka Fori Asar Internationl Market Mein Us Ke Band Ki Borrowing Cost Barhnay Ki Soorat Mein Nikalta Hay. Jab Us Mulk Ko Bhari Sharah-e-Sood Par Qarz Milta Hay To Us Mulk Ke Karobari Idaron Ko Bhi Ziyada Interest Rate Dena Parta Hay. Companies Ke Liye Borrowing Rate Barhnay Se Trade Aur Commerce Bhi Mutasir Hoti Hain Aur Muqami Tor Par Bhi Interest Rate Mein Bhaari Izafah Hojata Hay.
Currency Devaluation
International Aur Local Investors Ko Pata Hota Hay Ke Foreign Debt Na Milnay Ki Wajah Se Default Karne Wala Mulk Currency Print Kar Ke Apni Zaroorat Poori Keray Ga. Is Se Hyper Inflation Peda Hogi. Yahi Wajah Hay Ke Woh International Investors Apni Investment Nikal Kar Jane Lagtay Hayn. Local Afraad Bhi Doosri Currency Ya Gold Mein Invest Karnay Lagtay Hain Jis Se Local Currency Ki Value Buri Tarha Girna Shuru Ho Jati Hay.
Bank Run
Hyper Inflation Aur Uncertainity Ki Wajah Se Local Afraad Bankon Se Paisay Nikalwana Shuru Kar Detay Hain. Un Ko Dar Hota Hay Ke Hukoomat Un Ki Daulat Par Forcefully Qabza Na Kar Lay. Aik Hi Waqt Mein Itni Barri Tadaad Mein Log Bank Se Raqam Withdraw Kartay Hain Tou Usay ‘Bank Run’ Kehte Hain. Bank Out Of Cash Ho Jatay Hain Aur Situation Mazeed Kharab Honay Lagti Hay.
Stock Market Crash
Oopar Betaye Gaye Asraat Ki Wajah Se Stock Market Bhi Crash Honay Lagti Hay. Investors Shares Bech Kar Apna Capital Mehfooz Jagah Par Laganay Ki Koshish Karte Hain. Jab Koi Mulk Default Karta Hay To Us Ki Stock Market Ka 40% Se 50% Girna Aam Si Baat Hay.
Trade Embargo
Qarz Dainay Walay Idaray Bohat Influential Hotay Hain. Wo Defaulter Mulk Par Trade Embargo Lagwa Detay Hain Jis Se Us Ki Import, Exports Ruk Jati Hain Aur Economy Choke Ho Jati Hay. Aam Tor Par Har Mulk Energy Needs Ke Liye Oil Amport Karta Hay. Agar Oil Milna Hi Band Ho Jaye To Is Ke Mulk Maflooj Ho Jata Hay, Us Ki Productivity Khatam Hojati Hay. Zaroori Cheezon Ki Shortage Ho Jati Hay. Jaisa Ke Hum Ne Haal Hi Mein Sri Lanka Mein Dekha Tha.
Unemployment
Is Pooray Economical Disaster Ka Negative Impact Government Aur Private Idaron Par Parta Hay. Government Ko Qarzay Nahi Mlitay, Tax Revenue Kam Ho Jata Hay Jis Se Wo Apnay Employees Ko Salary Nahi Day Sakti. Private Idaray Apna Business Kam Karkay Logon Ko Job Se Nikaltay Hain. Log Products Ki Consumption Kam Kar Detay Hain Jis Se GDP Neechay Aa Jati Hay Aur Barray Pemanay Par Unemployment Phail Jati Hay.
Default Ke Baad Crisis Barh Jata Hay
Yani Koi Mulk Default Honay Ke Baad Mazeed Severe Crisis Mein Phans Jata Hay. Poori Economy Crash Ho Jati Hay. Mulk Mein Mehengai Aur Be Rozgari Highest Level Par Pohanch Jati Hay. Investment Ruk Jati Hay Aur GDP Growth Khatam Ho Jati Hay. Fuel, Khanay Peenay Aur Zaroorat Ki Doosri Cheezon Ki Shadeed Kami Ho Jati Hay. Awam Ka Living Standard Bohat Neechay Chala Jata Hay. Crime Rate Barh Jata Hay. Aik Aisa Vicious Cycle Shuru Hojata Hay Jis Se Niklnay Ke Liye Us Mulk Ko Kari Mehnat Karni Parti Hay.
Kya Koi Mulk Default Honay Ke Baad Bhi Sambhal Kar Dobarah Taraqqi Ke Rastay Par Safar Shuru Kar Sakta Hay? Is Ka Mukhtasir Jawab To Haan Mein Hay. Lekin Aisa Kaisay Hota Hay Aur Kin Kin Mulkon Ne Default Ke Baad Bhi Apni Economy Ko Sanbhala Hay Yeh Hum Aap Ko Aglay Mazmoon Mein Bitayen Gay.