Dr. Ghulam Mohey-ud-din

Dr. Ghulam Mohey-ud-din Official Page of Dr. Ghulam Mohey-ud-din

Senior Economist | Macro-Economics & Public Policy Expert | Author & Columnist | Urban Economics Researcher | Exploring Pakistan's economic reforms, trade, and development. ❖ A senior economist and lead researcher with more than 15 years expertise in economic research; data analytics; quantitative and qualitative research; designing, developing and implementing econometric models and frameworks; t

ranslating data into evidence-based plan, strategy and policy; writing and reviewing technical reports; as well as research project/ program management and implementation.
❖ An optimistic, thoughtful, compassionate, highly organized, detail oriented, transparent, adaptive, self-managed, inclusive, collaborative, and innovative leader with a profound dedication towards the economic security; economic development; urban and regional development; strategic and spatial planning; public policy; socio-economics equity; and data science and analytics.

Budget Aa Raha Hai... Lekin Kya Salary Barhnay Se Haalat Behtar Ho Jati Hai?Last year, Ahmed was happy.His salary increa...
08/06/2026

Budget Aa Raha Hai... Lekin Kya Salary Barhnay Se Haalat Behtar Ho Jati Hai?

Last year, Ahmed was happy.

His salary increased from Rs. 100,000 to Rs. 115,000 per month.

To celebrate, he upgraded his car.

He moved to a better house.

Food delivery became a routine.

Weekend outings became more frequent.

Everything seemed fine.

But one year later, Ahmed discovered something surprising.

Despite earning more, his bank balance was smaller than before.

Sound familiar?

Economists call this Lifestyle Inflation.

As income increases, our spending often increases even faster.

We don't just earn more; we start living more expensively.

With the Federal Budget around the corner, many government employees and private-sector workers are hoping for salary increases.

Higher salaries certainly help.

But there is an important lesson:

A salary increase can improve your income. It does not automatically improve your wealth.

Wealth grows when the increase in income is greater than the increase in spending.

The real winners are not always those who earn the most.

They are often those who save, invest, and avoid turning every salary increase into a lifestyle upgrade.

As the new budget approaches, perhaps the most important question is not:

"How much will my salary increase?"

But rather:

"How much of that increase will I keep?"

Dr. Ghulam Mohey-ud-din's Urban Insights

Cities Are Outcomes of Policy and Markets.

Islamic Banking's Real Test Isn't Growth. It's Authenticity.Pakistan's Islamic banking industry has expanded rapidly ove...
06/06/2026

Islamic Banking's Real Test Isn't Growth. It's Authenticity.

Pakistan's Islamic banking industry has expanded rapidly over the last two decades.

Islamic banks, Sukuk markets, Takaful products, Sharia boards, and dedicated regulatory frameworks have transformed the financial landscape. By most conventional measures, the sector is a success story.

Yet a recent op-ed by former Finance Minister Miftah Ismail (link in first comment) raises a deeper question:

Has Islamic finance fundamentally changed the way risk is shared in the economy, or has it largely replicated conventional banking under different terminology?

At the heart of Islamic finance lies a powerful economic principle: risk-sharing.
In theory, capital providers and entrepreneurs participate in both gains and losses, encouraging productive investment, innovation, and real economic activity.

However, critics argue that many Islamic banking products continue to produce outcomes remarkably similar to conventional lending:

• Returns are often benchmarked against prevailing interest rates.
• Banks receive relatively predictable profit streams.
• Commercial risks remain concentrated on borrowers.

If this observation is valid, then the debate is no longer about compliance in form but about economic substance.

An equally important question emerges:

If fixed returns for depositors are considered problematic from a Sharia perspective, how should we evaluate fixed profit obligations imposed on borrowers?

This is not merely a religious discussion. It is an economic one.

The future credibility of Islamic finance may depend less on its market share and more on its ability to create genuinely distinct models of financial intermediation—models that align incentives, distribute risks more equitably, and support entrepreneurship rather than simply replicate debt structures.

Whether one agrees with Miftah Ismail's conclusions or not, the article contributes to an important conversation that policymakers, regulators, bankers, and economists should continue to engage with.

The next phase of Islamic finance should focus not only on expansion, but on demonstrating a clear economic identity.

Prompt in First Comment
05/06/2026


Prompt in First Comment

Do want to understand the Economics Concepts like in this image?See prompt in first comment:
04/06/2026

Do want to understand the Economics Concepts like in this image?

See prompt in first comment:

# COSTAR Prompt — Economics Concept Explainer[O] Objective: Explain *[TOPIC] comprehensively in this sequence: (1) prec...
04/06/2026

# COSTAR Prompt — Economics Concept Explainer

[O] Objective: Explain *[TOPIC] comprehensively in this sequence: (1) precise definition,
(2) economic intuition behind it,
(3) underlying assumptions,
(4) graphical representation (described clearly, axes and curves labeled),
(5) two real-world examples — one academic/textbook, one current/practical,
(6) limitations and critiques,
(7) high-yield exam tips and common mistakes.

Ground all claims in established economic theory; cite named models, economists, or empirical studies where relevant. Do not fabricate data or sources.

[S] Style: Academic precision delivered in plain language — define jargon on first use; build from simple to complex.

[T] Tone: Authoritative, lucid, and encouraging.

[A] Audience: Undergraduate economics students preparing for exams; assume foundational but not advanced knowledge.

[R] Response format: Markdown with bold section headers matching the seven objective steps. Use bullet points for assumptions, limitations, and exam tips; prose for intuition and examples. Keep total length scannable.
__________
*[TOPIC] = _______ (e.g., Price Elasticity of Demand, Comparative Advantage, Inflation, Fiscal Policy, Market Failure)

for more such useful

Shout out to my newest followers! Excited to have you onboard! Muhammad Usman, Qamer Ali, Farhan Ghous
04/06/2026

Shout out to my newest followers! Excited to have you onboard! Muhammad Usman, Qamer Ali, Farhan Ghous

Pakistan often talks about attracting investment, but are we truly ready to receive it?In my latest article for Paradigm...
02/06/2026

Pakistan often talks about attracting investment, but are we truly ready to receive it?

In my latest article for Paradigm Shift, I argue that investment promotion is not about conferences, incentives, or headline-grabbing announcements alone. Sustainable investment requires three foundations: reliable infrastructure, effective governance, and long-term policy continuity.

Drawing lessons from the UAE, Saudi Arabia’s Vision 2030, Vietnam, and Bangladesh, the article examines why some countries consistently attract global capital while others struggle despite immense potential.

Pakistan’s challenge is not a lack of opportunities—it is the need to build an investment ecosystem that inspires confidence and reduces uncertainty.

Read the article through the link in the first comment.

What am I, according to ChatGPT!!!(Prompt in first comment)
25/05/2026

What am I, according to ChatGPT!!!

(Prompt in first comment)

Pakistan’s real estate obsession is no longer just a housing issue — it is increasingly a macroeconomic challenge.In my ...
20/05/2026

Pakistan’s real estate obsession is no longer just a housing issue — it is increasingly a macroeconomic challenge.

In my latest article for Minute Mirror, I argue that Pakistan’s economy has become structurally tilted toward speculative land investment rather than productive sectors like manufacturing, exports, technology, and innovation.

When empty plots generate faster returns than factories, economies eventually pay the price through weak productivity, stagnant exports, and slower long-term growth.

The piece examines:
• Why speculative urbanisation distorts economic priorities
• How tax and policy incentives favour land over industry
• The hidden economic costs of the “plot economy”
• What reforms Pakistan needs to redirect capital toward productive growth

Would value your thoughts and feedback on this important structural issue.

Pakistan’s problem is often not just “bad policies” — it is weak implementation, fragile institutions, and the absence o...
18/05/2026

Pakistan’s problem is often not just “bad policies” — it is weak implementation, fragile institutions, and the absence of long-term governance continuity.

Every few years, we hear about new reforms, new economic packages, new urban plans, and new national visions. Yet electricity shortages, tax inefficiencies, water stress, transport chaos, weak public services, and governance failures continue to persist.

Why?

Is Pakistan suffering from a shortage of policies — or from a deeper crisis of state capacity?

In my latest Urdu article for HumSub, I argue that many policies in Pakistan fail not because the ideas themselves are entirely wrong, but because institutions responsible for implementation remain weak, fragmented, and politically discontinuous.

From energy and taxation to urban planning and public transport, we often prioritize announcements over institutional delivery. Large projects receive attention, but governance systems, coordination mechanisms, data-based decision-making, and accountability structures remain underdeveloped.

The result is a familiar cycle:
new policy → partial implementation → political transition → institutional disruption → unfinished reform.

This is not merely a political issue. It directly affects everyday life:
• expensive electricity
• traffic congestion
• weak municipal services
• poor public education
• water shortages
• declining trust in institutions

In the article, I discuss why sustainable development depends less on slogans and more on administrative capacity, policy continuity, and institutional reform.

Because ultimately, countries do not progress through announcements alone. They progress when institutions become capable of consistently delivering results.

Full article link in the first comment.

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