IMF sy mazeed $1.32 Billion ka Qarz - Awam ky liye Khushkhabri ya aik naya Azab?
Assalamo alaikum Umeed hai sb khariat sy hoon gy.
IMF ny Pakistan ky liye mazeed $1.32 Billion manzoor kr diye hain. Siasatdan to khushiyan mna rhy hain lekin yaqeen many aik aam bndy ky liye yeh news sun kr dil dhal jata hai. To chlain aj is pr zara khul kr baat krty hain aur iska asli chehra dekhty hain.
Pehly Cons (Nuqsanat) ki baat krty hain:asy lgta hai jesy hum qarzon ky aik aesy dal-dal my phns gy hain jidr sy nikalna namumkin hota ja rha hai. Aam awam to pehly hi mehangai ky hathon thak chuki hai aur is naye loan sy mazeed kya hony wala hai?
Mehangai ka Toofaan: IMF kbi bi muft my paisa nhi deta. Inki pehli shart hi yeh hoti hai ky Subsidies khtm kro. Iska seedha matlab hai ky bijli aur gas ky rates mazeed asman pr jain gy.
Tax ka Bojh: Salaries wahi hain lekin har cheez pr tax barhta ja rha hai. IMF ny mazeed sakht tax reforms ka kaha hai jis sy aik aam bndy ki purchasing power bilkul khtm ho kr reh jai gi.
Currency Devaluation: Loan leny sy waqti tor pr to dollar rukta hai lekin long term my rupee mazeed girta hai aur hmain mazeed mehangai ka samna krna parta hai.
Asan lafzo my smjao to yeh aesa hi hai ky aik purany qarzy ko utarny ky liye mazeed bara qarz ly liya jai aur sood (interest) ka bojh agy wali nasal pr daal diya jai haha.
Qarz aur Sood ki StatusAb thoda technical baat krty hain taaky ap ko pta ho ky Pakistan kahan khadha hai.
Total Qarz: Is taaza qist ky baad Pakistan ka IMF pr total qarz taqreeban $8 Billion sy upar ja chuka hai (jo sirf is mojooda program ka hai), jab ky hamara total external debt bht sangeen had tk barh chuka hai.
Interest Rate: IMF ka interest rate koi fix nhi hota blky yeh SDR (Special Drawing Rights) rates pr hota hai jo aj kal 4% sy 5% ky darmiyan hain. Lekin is pr mazeed Surcharges bi lagty hain agar qarz aik khas had sy barh jai, to asan lafzo my hmain kafi mehanga parta hai.
Wapsi ki Shart: Hmain yeh paisa 5 sy 10 saal ky andar wapas krna hota hai lekin us sy pehly hmain apni economy my aisy kadvay faislay krny prty hain jo awam ki kamar tod dety hain.
Kya Iska Koi Benefit (Faida) bi hai?Ab itna rona dhona krny ky baad thoda positive side bi dekh lety hain, warna to mulk default kr jata.
1. Default ka Khatra?: Sab sy badha faida yeh hai ky Pakistan default nhi howa haha abhi tk to. Lekin abhi is ki tension leny ki zarorat nhi hai ku ky ito sy loan sy koi badha farq nhi padhy ga. Lekin yeh agli any wali hakoomoto pr bohat badha bojh hoga or mulk agr taraqi na kr ska to default hony ky qareeb ja skta or atomic power pr khasa asr padh skta hai. Baki ap janty hi hain mai kya baat kr rha hoon.
2. Reserves my Izafa: Hamary State Bank ky reserves ab $17 Billion cross kr jain gy jis sy market my thoda stability ka ehsas hota hai.
3. Global Trust: IMF ka program hony sy dusry mulk (China, UAE, Saudi) aur baray idaray bi Pakistan ko loan ya investment deny pr razi ho jaty hain lekin is ky ilawa dekha jai to wo to already hi security ky trf sy pakistan sy razi hain recent wars ny pakisan ko mazeed acha bna dya hai ku ky pakistan ki diplomacy hi asi thi lekin still loan ata hai to economic condition waqti tor pr agr corruption na ho to achi hi hoti hai.
Moral of the story:Hmain oxygen to mil gai hai lekin mariiz abhi bi ICU my hi hai. Qarza ly kr guzara krna koi aqmandi nhi hai. Jb tk hum crypto adoption, IT exports aur manufacturing pr focus nhi krain gy, hum isi trah IMF ki shrait ky agy jhukty rahain gy. Although saqib sir jis trha crypto ko agy ly kr ja rhy hain wesy koi bi or is khty my nhi kr rha to wo to mamla already on its way hai.
Ap log kya kehty hain? Kya qarza lena hi aakhri rasta tha ya koi aur hal bi ho skta tha?
Apni qeemti ry ka izhar kriya ga is pr.
Mujhy to lgta hai ky awam ky liye mazy sirf khabron my hain, asliyat my to sirf mehangai hi milni hai haha sorry lekin yehi sachai hai, ap dekhain is loan ko approve krny ky lia 11 new conditions add ki gi thi, jis ka matlb total condition ab 60 ho gai hain wo pori kry ga it apporve howa hai in new conditions my to tax pr bohat zor dia gya hai or subsidies ko khtm krny ki baat ki gai hai, isi waja sy Oil prices pichly dino sy badha di gai hain or yeh kuch months ki bijli bi kafi mehngi hony ja rha hai. Ab or kitna likho itna kafi hai shaed.
https://www.bloomberg.com/news/articles/2026-05-08/pakistan-to-receive-1-32-billion-as-imf-board-approves-tranches?embedded-checkout=true