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S
suhailbinumar

CBSE ARBIC CLASS 10 NOTES. CHAPTER SUHAIL

Education
1 of 16
ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌْ ‫و‬ َ ‫ت‬ ٌ ‫ر‬ ِ‫ِف‬ Shakeel opens a Savings Bank account
• ٌ ‫د‬ َ ‫وج‬‫ي‬ ٌ ‫ك‬ ْ ‫ن‬َ‫ب‬ ٌِ ِ ‫ف‬ ‫ا‬ َ ‫ن‬ِ‫ت‬ َ ‫ار‬ َ ‫ح‬ . • There is a bank in our neighborhood. • ٌ ‫ن‬ِ‫إ‬ ٌ َ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ٌِ ‫د‬ ْ ‫ن‬ ِ‫ه‬ ْ ‫ال‬ ٌ ‫ة‬ َ‫ع‬ِ‫اب‬ َ ‫ت‬ ‫ا‬‫م‬ِ‫إ‬ ٌ ‫ك‬‫ح‬ ْ ‫ل‬ِ‫ل‬ ٌِ‫ة‬ َ‫وم‬ ٌِ‫ة‬‫ي‬ِ ‫ز‬ َ ‫ك‬ْ ‫ر‬ َ‫م‬ ْ ‫ال‬ ٌْ ‫و‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫وم‬‫ك‬‫ح‬ِ‫ل‬ ٌ ْ ‫ال‬ ٌ ِ ‫ات‬َ‫ي‬ َ ‫َل‬ ِ ‫و‬ . • The banks in India belong either to the central government or state government. • ٌ ‫د‬ َ ‫وج‬‫ت‬ ٌ ‫وك‬‫ن‬َ‫ب‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ٌ ‫ل‬‫ك‬ ٌ ‫ة‬َ‫ي‬ ِ ‫اح‬ َ ‫ن‬ ٌْ ‫ن‬ ِ ‫م‬ ٌ ِ ‫اح‬ َ ‫و‬ َ ‫ن‬ ٌ ْ ‫ال‬ ٌِ ‫د‬ ْ ‫ن‬ ِ‫ه‬ ٌ ّ ‫ت‬ َ ‫ح‬ ٌِ ِ ‫ف‬ ‫ى‬ َ ‫ر‬‫ق‬ ْ ‫ال‬ ٌَ‫ي‬ ْ ‫ر‬ َ ْ ‫اْل‬ َ ‫و‬ ٌ ِ ‫اف‬ . • There are banks in every part of India even in the Villages and rural areas.
• ٌ ‫ن‬ ْ ‫ح‬ َ ‫ن‬ ‫ا‬ َ ‫ن‬ ُّ ‫ل‬‫ك‬ ٌ ‫يد‬ ِ ‫ف‬ َ ‫ت‬ ْ ‫س‬ َ ‫ن‬ ٌْ ‫ن‬ ِ ‫م‬ ٌِ ‫ود‬‫ج‬‫و‬ ٌِ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌِ َ ‫ل‬ َ ‫ع‬ ٌ ِ ‫ف‬ َ ‫َل‬ِ‫ت‬ ْ ‫اخ‬ ٌِ‫ن‬ َ ‫ه‬ ِ ‫م‬ ‫ا‬ َ ‫ن‬ ٌَ ‫و‬ ٌِ‫ِف‬َ ‫ر‬ ِ ‫ح‬ ‫ا‬ َ ‫ن‬ . •We all benefit from the banks in our various professions and fields. • ٌ ‫يد‬ ِ ‫ف‬ َ ‫ت‬ ْ ‫س‬َ‫ي‬ ‫ا‬ َ ‫ه‬ ْ ‫ن‬ ِ ‫م‬ ٌ ‫اب‬ َ ‫ح‬ ْ ‫ص‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫اع‬ َ ‫ن‬‫الص‬ ٌِ ِ ‫ف‬ ٌِ ‫ن‬‫د‬‫م‬ ْ ‫ال‬ ٌَ ‫و‬ ٌ َ ‫ون‬‫ح‬‫َل‬ َ ‫ف‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ‫ى‬َ ‫ر‬‫ق‬ ْ ‫ال‬ ٌَ‫ي‬ ْ ‫ر‬ َ ْ ‫اْل‬ َ ‫و‬ ٌ ِ ‫اف‬ . •Owners of industries in the cities, farmers in the villages and the countryside take the benefit of the availability of banks.
• ٌ ‫م‬‫د‬ ْ ‫خ‬ َ ‫ت‬ ٌ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌَ ‫ه‬ َ ‫ن‬ِ‫ائ‬َ‫ب‬ َ ‫ز‬ ‫ا‬ ٌْ ‫ن‬ ِ ‫م‬ ٌِ‫ة‬‫ام‬ َ ‫ع‬ ٌِ ‫اس‬‫الن‬ ٌ ‫ر‬‫ط‬ِ‫ب‬ ٌ ‫ق‬ ٌ ‫ة‬ َ ‫يد‬ ِ ‫د‬ َ ‫ع‬ •Banks serve their customers from the public in many ways, • ‫ا‬ َ ‫ه‬ ْ ‫ن‬ ِ ‫م‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬‫الت‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫وال‬ ٌ ‫ة‬َ‫ي‬ِ ‫ار‬ َ ‫ج‬ ْ ‫ال‬ ٌ ْ ‫وال‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ة‬ َ ‫ابت‬ ّ ‫الث‬ •like savings accounts, current accounts and fixed deposit accounts • ٌ ‫م‬‫د‬ َ ‫ق‬‫ت‬ َ ‫و‬ ‫ا‬ ً ‫ض‬ْ‫ي‬ َ ‫أ‬ ٌ ‫ات‬ َ ‫د‬ َ‫اع‬ َ ‫س‬‫م‬ ٌ ‫ة‬‫ي‬ِ‫ال‬ َ‫م‬ ٌَ ‫و‬ ‫ا‬ ً ‫وض‬‫ر‬‫ق‬ ٌ َ ‫ف‬ ْ ‫ل‬ِ‫ل‬ ٌ ‫ن‬ ِ ‫ح‬ ّ ‫َل‬ ٌَ ‫و‬ ٌ ِ ‫اب‬ َ ‫ح‬ ْ ‫ص‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫اع‬ َ ‫ن‬‫الص‬ ٌ َ ‫ك‬ ْ ‫ال‬ ٌِ‫ة‬َ ‫ر‬ِ‫ب‬ ٌِ‫ة‬َ ‫ر‬ ِ ‫غ‬‫الص‬ َ ‫و‬ ٌَ‫ل‬ِ‫اب‬ َ ‫ق‬‫م‬ ٌ َ ‫د‬ِ‫ائ‬ َ ‫و‬ َ ‫ِف‬ ٌ ‫ة‬‫ي‬ِ ‫ز‬ ْ‫م‬ َ ‫ر‬ •and also provide financial assistance and loans to farmers and owners of large and small industries charging interest from them,
• ٌَ ‫و‬ ‫ا‬ َ َ َ ‫ك‬ َ ‫َه‬ ٌ ‫ب‬ َ‫ع‬ ْ ‫ل‬ َ ‫ت‬ ٌ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ‫ا‬ً ‫ر‬ ْ ‫و‬ َ ‫د‬ ٌ ‫اء‬‫ن‬َ‫ب‬ ٌِ ِ ‫ف‬ ٌ ْ ‫ن‬ َ ‫ت‬ ٌِ‫ة‬َ‫ي‬ ِ ‫م‬ ٌِ ‫د‬ َ ‫َل‬ِ‫ب‬ ْ ‫ال‬ . • and thus banks play a constructive role in the development of the country. • ٌِ ِ ‫ف‬ ٌ ‫م‬ ْ ‫و‬َ‫ي‬ ٌِ ِ ‫ت‬ َ‫م‬ َ ‫ه‬ ْ ‫ِف‬ َ ‫أ‬ ٌَ ‫اي‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ َ ‫د‬ِ‫ائ‬ َ ‫و‬ َ ‫ِف‬ ٌِ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ َ ‫ت‬ ٌ ْ ‫ال‬ ٌِ ِ‫ا‬ َ‫م‬ • One day my parents made me understand the benefits of saving money.
• ٌَ ‫و‬ ‫ا‬ َ َ َ ‫خ‬ َ ‫أ‬ ٌِ ِ ‫ن‬ ٌ َ ‫ل‬ِ‫إ‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ •and took me to a bank • ‫ا‬ َ‫م‬‫ه‬‫ن‬ َ ِ ‫ْل‬ ‫ا‬ َ ‫اد‬َ ‫ر‬ َ ‫أ‬ ‫ن‬ َ ‫أ‬ ‫ا‬ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ‫ا‬ً‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌِ ِ ‫م‬ ْ ‫باس‬ •because they wanted to open an account in my name • ‫ى‬ َّ ‫ت‬ َ ‫ح‬ ‫ى‬ َ ‫د‬ َ ‫و‬ َ‫ع‬ َ ‫ت‬ َ ‫أ‬ ‫ى‬َ ‫ي‬ ِ‫ف‬ ْ ‫و‬ َ ‫ت‬ ‫ى‬ ‫يل‬ِ‫ل‬ َ ‫ق‬ ‫ى‬ َ ‫ن‬ ِ ‫م‬ ‫ى‬ ‫وس‬ ُ ‫ل‬ ُ ‫ف‬ ْ ‫ال‬ ‫ى‬ِ ِ ّ ‫ت‬ َّ ‫ال‬ ‫ى‬ ُ ‫ذ‬ ُ ‫آخ‬ ‫ا‬ َ ‫ه‬ ‫ن‬ ِ ‫م‬ ‫ى‬َ ‫ي‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ‫ى‬ ْ ‫ن‬ ِ ‫م‬ ‫ى‬ ‫ت‬ ْ ‫ق‬ َ ‫و‬ ‫ى‬ َ ‫ل‬ِ‫إ‬ ‫ى‬ ‫ت‬ ْ ‫ق‬ َ ‫و‬ ‫ى‬َ ‫و‬ ‫ى‬ َ ‫ش‬ ‫ا‬ ًّ ‫ي‬‫ر‬ ْ ‫ه‬ . •to get me in to the habit of saving a little of the money received from my father from time to time and every month.
• ‫ا‬ َ ‫ن‬ْ‫ب‬ َ ‫َه‬ َ ‫ذ‬ ٌ َ ‫ل‬ِ‫إ‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ ٌَ ‫و‬ ‫ا‬ َ ‫ن‬ ْ ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫ة‬َ ِِ ‫اش‬َ‫ب‬‫م‬ ٌِ ِ ‫ف‬ ٌ ‫غ‬ ٌِ‫ة‬ َ ‫ِف‬ْ ‫ر‬ ٌِ ‫ير‬ ِ ‫د‬‫م‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ • We went to the bank and entered directly to the manager’s cabin • ٌ ‫ه‬‫ن‬ َ ِ ‫ْل‬ ٌ ‫يق‬ ِ ‫د‬ َ ‫ص‬ ‫ي‬ ِ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ َ ْ ‫ن‬‫م‬ ٌ ْ ‫ن‬ َ ‫أ‬ ‫ا‬ َ ‫ان‬ َ ‫ك‬ ٌِ ْ ‫ن‬َ‫ب‬ِ‫ال‬ َ ‫ط‬ ٌِ ِ ‫ف‬ ٌِ‫ة‬‫ي‬ ِّ ‫ل‬‫ك‬ ‫ر‬ ِ ‫اك‬ َ ‫ذ‬ ٌ ْ ‫ن‬ َ ‫س‬‫ح‬ . • because he is a friend of my father as they were students at Zakir Hussain college.
• ٌ ‫ش‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ ٌ ‫ر‬ ِ ‫ش‬َ‫ب‬ ‫د‬ َ‫م‬ ْ ‫ح‬ َ ‫أ‬ ٌَ ‫و‬ ٌَ ‫ب‬‫ح‬َ ‫ر‬ ‫ا‬ َ ‫ن‬ِ‫ب‬ . • The manager Basheer felt happy and welcomed us. • ‫ا‬ َ ‫ن‬ ْ ‫س‬ َ ‫ل‬ َ ‫ج‬ ٌ ‫ه‬ َ‫ام‬ َ‫م‬ َ ‫أ‬ • We sat in front of him • ٌَِ‫ا‬ َ ‫ق‬ َ ‫ِف‬ ‫ي‬ ِ ‫د‬ِ‫ال‬ َ ‫و‬ ٌِ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ل‬ِ‫ل‬ : ٌ ‫ت‬ْ َ ‫ض‬ َ ‫ح‬ ٌَ ‫م‬ ْ ‫و‬َ‫ي‬ ْ ‫ال‬ ٌِ ‫ح‬ ْ ‫ت‬ َ ‫ف‬ِ‫ل‬ ٌ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ َ ‫ت‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ ٌِ ‫م‬ ْ ‫اس‬ِ‫ب‬ ٌِ ِ ‫ت‬ْ‫اب‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬. • and my father said to the Manager: Today I came to open a saving account in the name of my son Shakeel
• ٌَِ‫ا‬ َ ‫ق‬ َ ‫ِف‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ : ٌ ‫َل‬ ْ ‫َه‬ َ ‫أ‬ ٌَ ‫و‬ ٌ ‫َل‬ ْ ‫ه‬ َ ‫س‬ • Manager said: welcome • ٌ ‫ن‬ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ْ ‫ل‬ َ ‫ِف‬ ‫َا‬ َ ‫َه‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ • he can open his account • ٌْ ‫ن‬ ِ ‫ك‬ َ ‫ل‬ َ ‫و‬ ‫و‬‫د‬ْ‫ب‬َ‫ي‬ ٌ ‫ه‬ ّ ‫أن‬ ٌ ِ ‫اص‬ َ ‫ق‬ . • but he seems to be minor
ٌَ‫ي‬ ٌ ‫ون‬‫ك‬ ‫ا‬ ً ‫ن‬ َ ‫س‬ َ ‫ح‬ ٌ ْ ‫ن‬ َ ‫أ‬ ٌ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬‫ي‬ ‫ا‬ً‫اب‬ َ ‫س‬ ِ ‫ح‬ ‫ا‬ ً ‫ت‬ِ‫اب‬ َ ‫ث‬ . • It is alright to open a fixed account. • ٌ ‫ع‬ِ ‫ود‬‫ي‬ ٌِ‫يه‬ ِ‫ِف‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ‫ا‬ ً ‫غ‬ َ ‫ل‬ْ‫ب‬ َ‫م‬ ‫ا‬ ً ‫ن‬‫ي‬ َ‫ع‬‫م‬ ٌ ‫ل‬‫ك‬ ٌْ ‫ه‬ َ ‫ش‬ ٌ ‫ر‬ ٌ ِ ‫ث‬ َ ‫َل‬ َ ‫ث‬ِ‫ل‬ ٌ ‫وات‬ َ ‫ن‬ َ ‫س‬ . • When Shakeel deposit a certain amount each month for three years • ٌ ‫ه‬‫ن‬ِ‫إ‬ ٌ ْ ‫د‬ َ ‫ق‬ ٌ َ ‫غ‬ َ ‫ل‬َ‫ب‬ ٌ ‫ن‬ ِ ‫س‬ ٌِ ‫د‬ ْ ‫ش‬ُّ ‫الر‬ ٌ َ ‫د‬ ْ‫ع‬َ‫ب‬ ٌ ِ ‫ث‬ َ ‫َل‬ َ ‫ث‬ ٌَ ‫س‬ ٌ ‫ات‬ َ ‫و‬ َ ‫ن‬ • by then he may have come of age after three years.
• ٌَ ‫و‬ ٌ َ ‫ف‬ ْ ‫و‬ َ ‫س‬ ٌ ‫ن‬ ِ ‫ك‬ ْ‫م‬‫ي‬ ٌ ‫له‬ ٌ ْ ‫ن‬ َ ‫أ‬ ٌَ ‫ب‬ َ ‫ح‬ ْ ‫س‬َ‫ي‬ ٌَِ‫ا‬ َ‫م‬ ْ ‫ال‬ ٌ ْ ‫ال‬ ٌَ ‫ر‬‫ِف‬ َ ‫و‬‫م‬ ٌَ‫ع‬ َ‫م‬ ٌِ‫ة‬ َ ‫د‬ِ‫ائ‬ َ ‫ف‬ ْ ‫ال‬ • and he will be able to withdraw the money with interest • ٌَ ‫و‬ ٌ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ َ ‫ت‬ ، ٌ ْ ‫ن‬ِ‫إ‬ ٌ ‫ب‬ َ ‫ح‬ َ ‫أ‬ ٌِ‫ذل‬ ٌ َ ‫ك‬ . • and open a savings account if he desires it.
• ٌ َ ‫ق‬ َ ‫ف‬‫ات‬ ‫ا‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ َ ‫ل‬ َ ‫ع‬ ٌ َ ‫ك‬ِ‫ل‬ َ ‫ذ‬ . • Shakeel’s parents agreed to do so. • ٌ ‫ق‬ َ ‫د‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ ٌَ ‫س‬َ ‫ر‬ َ ‫ج‬ ْ ‫ال‬ . • The manager rang the bell • ٌَ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫اش‬‫ر‬ َ ‫ف‬ ْ ‫ال‬ . • The attendant entered
• ٌَِ‫ا‬ َ ‫ق‬ ٌ ‫ه‬ َ ‫ل‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ : ٌْ ‫ب‬‫ل‬ ْ ‫ط‬‫ا‬ ٌ ‫ا‬ ً ‫د‬‫م‬ َ ‫ح‬‫م‬ ، ٌ ْ ‫ن‬َ ‫ض‬ ْ ‫ح‬َ‫ي‬ ْ ‫ل‬ َ ‫ِف‬ ٌَ‫م‬ ٌَ‫ع‬ ٌِ‫ة‬ َ ‫ار‬ َ‫م‬ ْ ‫ئ‬ِ‫ت‬ ْ ‫س‬ ِ ْ ‫اْل‬ ٌ ْ ‫ت‬ َ ‫ِف‬ ٌِ ‫ح‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ ٌ ِ ‫ت‬ِ‫اب‬ ّ ‫الث‬ . • Manager told him: Ask Mohammed to come with Recurring deposit account opening form • ٌَِ‫ا‬ َ ‫ق‬ ٌ ‫اش‬‫ر‬ َ ‫ف‬ ْ ‫ال‬ : ٌ ِ ‫اص‬ َ ‫ح‬ ‫ا‬َ‫ي‬ ‫ي‬ ِ ‫د‬‫ي‬ َ ‫س‬ . • The attendant said: Yes Sir.
• ٌ َ ‫د‬ ْ‫ع‬َ‫ب‬ ٌ َ ‫ق‬ِ‫ائ‬ َ ‫ق‬ َ ‫د‬ ٌَ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫د‬‫م‬ َ ‫ح‬‫م‬ ‫ا‬ َ‫م‬ َ ‫ك‬ ٌَ ‫ب‬ِ‫ل‬‫ط‬ . • After a few minutes Mohammed entered as requested • ٌ َ َ ‫ل‬ َ‫م‬ َ ‫ِف‬ ٌ َ ‫ة‬ َ ‫ار‬ َ‫م‬ ْ ‫ئ‬ِ‫ت‬ ْ ‫اس‬ ٌِ ‫ح‬ ْ ‫ت‬ َ ‫ِف‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ . • Filled the account opening form • ٌَ ‫و‬ ٌَ‫ع‬‫ق‬ َ ‫و‬ ‫ا‬ َ ‫ه‬ْ‫ي‬ َ ‫ل‬ َ ‫ع‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ َ ‫ك‬ ٌ ِ ‫ب‬ ِ ‫اح‬ َ ‫ص‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ ٌَ ‫و‬ ٌَ ‫و‬ ٌ ‫ه‬‫د‬ِ‫ال‬ ٌ َ ‫ك‬ ٌ ‫د‬ ِ ‫اَه‬ َ ‫ش‬ . • Shakeel signed as the account holder and his father as witness
• ٌَ ‫ر‬ َ ‫ك‬ َ ‫ش‬ ٌ ‫د‬ِ‫ال‬ َ ‫و‬ ْ ‫ال‬ ٌَ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ • Father thanked the manager • ‫وا‬‫اد‬ َ ‫ع‬ َ ‫و‬ ٌِ ِِ ْ ‫ر‬ َ‫م‬ ْ ‫ل‬ِ‫ل‬ . • and they returned to their house.

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chapter_20_Shakeel_opens_a_savings_bank_account.pptx

  • 1.
  • 2. ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌْ ‫و‬ َ ‫ت‬ ٌ ‫ر‬ ِ‫ِف‬ Shakeel opens a Savings Bank account
  • 3. • ٌ ‫د‬ َ ‫وج‬‫ي‬ ٌ ‫ك‬ ْ ‫ن‬َ‫ب‬ ٌِ ِ ‫ف‬ ‫ا‬ َ ‫ن‬ِ‫ت‬ َ ‫ار‬ َ ‫ح‬ . • There is a bank in our neighborhood. • ٌ ‫ن‬ِ‫إ‬ ٌ َ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ٌِ ‫د‬ ْ ‫ن‬ ِ‫ه‬ ْ ‫ال‬ ٌ ‫ة‬ َ‫ع‬ِ‫اب‬ َ ‫ت‬ ‫ا‬‫م‬ِ‫إ‬ ٌ ‫ك‬‫ح‬ ْ ‫ل‬ِ‫ل‬ ٌِ‫ة‬ َ‫وم‬ ٌِ‫ة‬‫ي‬ِ ‫ز‬ َ ‫ك‬ْ ‫ر‬ َ‫م‬ ْ ‫ال‬ ٌْ ‫و‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫وم‬‫ك‬‫ح‬ِ‫ل‬ ٌ ْ ‫ال‬ ٌ ِ ‫ات‬َ‫ي‬ َ ‫َل‬ ِ ‫و‬ . • The banks in India belong either to the central government or state government. • ٌ ‫د‬ َ ‫وج‬‫ت‬ ٌ ‫وك‬‫ن‬َ‫ب‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ٌ ‫ل‬‫ك‬ ٌ ‫ة‬َ‫ي‬ ِ ‫اح‬ َ ‫ن‬ ٌْ ‫ن‬ ِ ‫م‬ ٌ ِ ‫اح‬ َ ‫و‬ َ ‫ن‬ ٌ ْ ‫ال‬ ٌِ ‫د‬ ْ ‫ن‬ ِ‫ه‬ ٌ ّ ‫ت‬ َ ‫ح‬ ٌِ ِ ‫ف‬ ‫ى‬ َ ‫ر‬‫ق‬ ْ ‫ال‬ ٌَ‫ي‬ ْ ‫ر‬ َ ْ ‫اْل‬ َ ‫و‬ ٌ ِ ‫اف‬ . • There are banks in every part of India even in the Villages and rural areas.
  • 4. • ٌ ‫ن‬ ْ ‫ح‬ َ ‫ن‬ ‫ا‬ َ ‫ن‬ ُّ ‫ل‬‫ك‬ ٌ ‫يد‬ ِ ‫ف‬ َ ‫ت‬ ْ ‫س‬ َ ‫ن‬ ٌْ ‫ن‬ ِ ‫م‬ ٌِ ‫ود‬‫ج‬‫و‬ ٌِ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌِ َ ‫ل‬ َ ‫ع‬ ٌ ِ ‫ف‬ َ ‫َل‬ِ‫ت‬ ْ ‫اخ‬ ٌِ‫ن‬ َ ‫ه‬ ِ ‫م‬ ‫ا‬ َ ‫ن‬ ٌَ ‫و‬ ٌِ‫ِف‬َ ‫ر‬ ِ ‫ح‬ ‫ا‬ َ ‫ن‬ . •We all benefit from the banks in our various professions and fields. • ٌ ‫يد‬ ِ ‫ف‬ َ ‫ت‬ ْ ‫س‬َ‫ي‬ ‫ا‬ َ ‫ه‬ ْ ‫ن‬ ِ ‫م‬ ٌ ‫اب‬ َ ‫ح‬ ْ ‫ص‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫اع‬ َ ‫ن‬‫الص‬ ٌِ ِ ‫ف‬ ٌِ ‫ن‬‫د‬‫م‬ ْ ‫ال‬ ٌَ ‫و‬ ٌ َ ‫ون‬‫ح‬‫َل‬ َ ‫ف‬ ْ ‫ال‬ ٌِ ِ ‫ف‬ ‫ى‬َ ‫ر‬‫ق‬ ْ ‫ال‬ ٌَ‫ي‬ ْ ‫ر‬ َ ْ ‫اْل‬ َ ‫و‬ ٌ ِ ‫اف‬ . •Owners of industries in the cities, farmers in the villages and the countryside take the benefit of the availability of banks.
  • 5. • ٌ ‫م‬‫د‬ ْ ‫خ‬ َ ‫ت‬ ٌ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ٌَ ‫ه‬ َ ‫ن‬ِ‫ائ‬َ‫ب‬ َ ‫ز‬ ‫ا‬ ٌْ ‫ن‬ ِ ‫م‬ ٌِ‫ة‬‫ام‬ َ ‫ع‬ ٌِ ‫اس‬‫الن‬ ٌ ‫ر‬‫ط‬ِ‫ب‬ ٌ ‫ق‬ ٌ ‫ة‬ َ ‫يد‬ ِ ‫د‬ َ ‫ع‬ •Banks serve their customers from the public in many ways, • ‫ا‬ َ ‫ه‬ ْ ‫ن‬ ِ ‫م‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬‫الت‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫وال‬ ٌ ‫ة‬َ‫ي‬ِ ‫ار‬ َ ‫ج‬ ْ ‫ال‬ ٌ ْ ‫وال‬ ٌ ‫ات‬َ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ة‬ َ ‫ابت‬ ّ ‫الث‬ •like savings accounts, current accounts and fixed deposit accounts • ٌ ‫م‬‫د‬ َ ‫ق‬‫ت‬ َ ‫و‬ ‫ا‬ ً ‫ض‬ْ‫ي‬ َ ‫أ‬ ٌ ‫ات‬ َ ‫د‬ َ‫اع‬ َ ‫س‬‫م‬ ٌ ‫ة‬‫ي‬ِ‫ال‬ َ‫م‬ ٌَ ‫و‬ ‫ا‬ ً ‫وض‬‫ر‬‫ق‬ ٌ َ ‫ف‬ ْ ‫ل‬ِ‫ل‬ ٌ ‫ن‬ ِ ‫ح‬ ّ ‫َل‬ ٌَ ‫و‬ ٌ ِ ‫اب‬ َ ‫ح‬ ْ ‫ص‬ َ ‫أ‬ ٌ ِ ‫ات‬ َ‫اع‬ َ ‫ن‬‫الص‬ ٌ َ ‫ك‬ ْ ‫ال‬ ٌِ‫ة‬َ ‫ر‬ِ‫ب‬ ٌِ‫ة‬َ ‫ر‬ ِ ‫غ‬‫الص‬ َ ‫و‬ ٌَ‫ل‬ِ‫اب‬ َ ‫ق‬‫م‬ ٌ َ ‫د‬ِ‫ائ‬ َ ‫و‬ َ ‫ِف‬ ٌ ‫ة‬‫ي‬ِ ‫ز‬ ْ‫م‬ َ ‫ر‬ •and also provide financial assistance and loans to farmers and owners of large and small industries charging interest from them,
  • 6. • ٌَ ‫و‬ ‫ا‬ َ َ َ ‫ك‬ َ ‫َه‬ ٌ ‫ب‬ َ‫ع‬ ْ ‫ل‬ َ ‫ت‬ ٌ ‫وك‬‫ن‬‫ب‬ ْ ‫ال‬ ‫ا‬ً ‫ر‬ ْ ‫و‬ َ ‫د‬ ٌ ‫اء‬‫ن‬َ‫ب‬ ٌِ ِ ‫ف‬ ٌ ْ ‫ن‬ َ ‫ت‬ ٌِ‫ة‬َ‫ي‬ ِ ‫م‬ ٌِ ‫د‬ َ ‫َل‬ِ‫ب‬ ْ ‫ال‬ . • and thus banks play a constructive role in the development of the country. • ٌِ ِ ‫ف‬ ٌ ‫م‬ ْ ‫و‬َ‫ي‬ ٌِ ِ ‫ت‬ َ‫م‬ َ ‫ه‬ ْ ‫ِف‬ َ ‫أ‬ ٌَ ‫اي‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ َ ‫د‬ِ‫ائ‬ َ ‫و‬ َ ‫ِف‬ ٌِ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ َ ‫ت‬ ٌ ْ ‫ال‬ ٌِ ِ‫ا‬ َ‫م‬ • One day my parents made me understand the benefits of saving money.
  • 7. • ٌَ ‫و‬ ‫ا‬ َ َ َ ‫خ‬ َ ‫أ‬ ٌِ ِ ‫ن‬ ٌ َ ‫ل‬ِ‫إ‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ •and took me to a bank • ‫ا‬ َ‫م‬‫ه‬‫ن‬ َ ِ ‫ْل‬ ‫ا‬ َ ‫اد‬َ ‫ر‬ َ ‫أ‬ ‫ن‬ َ ‫أ‬ ‫ا‬ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ‫ا‬ً‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌِ ِ ‫م‬ ْ ‫باس‬ •because they wanted to open an account in my name • ‫ى‬ َّ ‫ت‬ َ ‫ح‬ ‫ى‬ َ ‫د‬ َ ‫و‬ َ‫ع‬ َ ‫ت‬ َ ‫أ‬ ‫ى‬َ ‫ي‬ ِ‫ف‬ ْ ‫و‬ َ ‫ت‬ ‫ى‬ ‫يل‬ِ‫ل‬ َ ‫ق‬ ‫ى‬ َ ‫ن‬ ِ ‫م‬ ‫ى‬ ‫وس‬ ُ ‫ل‬ ُ ‫ف‬ ْ ‫ال‬ ‫ى‬ِ ِ ّ ‫ت‬ َّ ‫ال‬ ‫ى‬ ُ ‫ذ‬ ُ ‫آخ‬ ‫ا‬ َ ‫ه‬ ‫ن‬ ِ ‫م‬ ‫ى‬َ ‫ي‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ‫ى‬ ْ ‫ن‬ ِ ‫م‬ ‫ى‬ ‫ت‬ ْ ‫ق‬ َ ‫و‬ ‫ى‬ َ ‫ل‬ِ‫إ‬ ‫ى‬ ‫ت‬ ْ ‫ق‬ َ ‫و‬ ‫ى‬َ ‫و‬ ‫ى‬ َ ‫ش‬ ‫ا‬ ًّ ‫ي‬‫ر‬ ْ ‫ه‬ . •to get me in to the habit of saving a little of the money received from my father from time to time and every month.
  • 8. • ‫ا‬ َ ‫ن‬ْ‫ب‬ َ ‫َه‬ َ ‫ذ‬ ٌ َ ‫ل‬ِ‫إ‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ ٌَ ‫و‬ ‫ا‬ َ ‫ن‬ ْ ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫ة‬َ ِِ ‫اش‬َ‫ب‬‫م‬ ٌِ ِ ‫ف‬ ٌ ‫غ‬ ٌِ‫ة‬ َ ‫ِف‬ْ ‫ر‬ ٌِ ‫ير‬ ِ ‫د‬‫م‬ ٌِ ‫ك‬ ْ ‫ن‬َ‫ب‬ ْ ‫ال‬ • We went to the bank and entered directly to the manager’s cabin • ٌ ‫ه‬‫ن‬ َ ِ ‫ْل‬ ٌ ‫يق‬ ِ ‫د‬ َ ‫ص‬ ‫ي‬ ِ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ َ ْ ‫ن‬‫م‬ ٌ ْ ‫ن‬ َ ‫أ‬ ‫ا‬ َ ‫ان‬ َ ‫ك‬ ٌِ ْ ‫ن‬َ‫ب‬ِ‫ال‬ َ ‫ط‬ ٌِ ِ ‫ف‬ ٌِ‫ة‬‫ي‬ ِّ ‫ل‬‫ك‬ ‫ر‬ ِ ‫اك‬ َ ‫ذ‬ ٌ ْ ‫ن‬ َ ‫س‬‫ح‬ . • because he is a friend of my father as they were students at Zakir Hussain college.
  • 9. • ٌ ‫ش‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ ٌ ‫ر‬ ِ ‫ش‬َ‫ب‬ ‫د‬ َ‫م‬ ْ ‫ح‬ َ ‫أ‬ ٌَ ‫و‬ ٌَ ‫ب‬‫ح‬َ ‫ر‬ ‫ا‬ َ ‫ن‬ِ‫ب‬ . • The manager Basheer felt happy and welcomed us. • ‫ا‬ َ ‫ن‬ ْ ‫س‬ َ ‫ل‬ َ ‫ج‬ ٌ ‫ه‬ َ‫ام‬ َ‫م‬ َ ‫أ‬ • We sat in front of him • ٌَِ‫ا‬ َ ‫ق‬ َ ‫ِف‬ ‫ي‬ ِ ‫د‬ِ‫ال‬ َ ‫و‬ ٌِ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ل‬ِ‫ل‬ : ٌ ‫ت‬ْ َ ‫ض‬ َ ‫ح‬ ٌَ ‫م‬ ْ ‫و‬َ‫ي‬ ْ ‫ال‬ ٌِ ‫ح‬ ْ ‫ت‬ َ ‫ف‬ِ‫ل‬ ٌ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ َ ‫ت‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ ٌِ ‫م‬ ْ ‫اس‬ِ‫ب‬ ٌِ ِ ‫ت‬ْ‫اب‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬. • and my father said to the Manager: Today I came to open a saving account in the name of my son Shakeel
  • 10. • ٌَِ‫ا‬ َ ‫ق‬ َ ‫ِف‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ : ٌ ‫َل‬ ْ ‫َه‬ َ ‫أ‬ ٌَ ‫و‬ ٌ ‫َل‬ ْ ‫ه‬ َ ‫س‬ • Manager said: welcome • ٌ ‫ن‬ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ْ ‫ل‬ َ ‫ِف‬ ‫َا‬ َ ‫َه‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ • he can open his account • ٌْ ‫ن‬ ِ ‫ك‬ َ ‫ل‬ َ ‫و‬ ‫و‬‫د‬ْ‫ب‬َ‫ي‬ ٌ ‫ه‬ ّ ‫أن‬ ٌ ِ ‫اص‬ َ ‫ق‬ . • but he seems to be minor
  • 11. ٌَ‫ي‬ ٌ ‫ون‬‫ك‬ ‫ا‬ ً ‫ن‬ َ ‫س‬ َ ‫ح‬ ٌ ْ ‫ن‬ َ ‫أ‬ ٌ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬‫ي‬ ‫ا‬ً‫اب‬ َ ‫س‬ ِ ‫ح‬ ‫ا‬ ً ‫ت‬ِ‫اب‬ َ ‫ث‬ . • It is alright to open a fixed account. • ٌ ‫ع‬ِ ‫ود‬‫ي‬ ٌِ‫يه‬ ِ‫ِف‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ‫ا‬ ً ‫غ‬ َ ‫ل‬ْ‫ب‬ َ‫م‬ ‫ا‬ ً ‫ن‬‫ي‬ َ‫ع‬‫م‬ ٌ ‫ل‬‫ك‬ ٌْ ‫ه‬ َ ‫ش‬ ٌ ‫ر‬ ٌ ِ ‫ث‬ َ ‫َل‬ َ ‫ث‬ِ‫ل‬ ٌ ‫وات‬ َ ‫ن‬ َ ‫س‬ . • When Shakeel deposit a certain amount each month for three years • ٌ ‫ه‬‫ن‬ِ‫إ‬ ٌ ْ ‫د‬ َ ‫ق‬ ٌ َ ‫غ‬ َ ‫ل‬َ‫ب‬ ٌ ‫ن‬ ِ ‫س‬ ٌِ ‫د‬ ْ ‫ش‬ُّ ‫الر‬ ٌ َ ‫د‬ ْ‫ع‬َ‫ب‬ ٌ ِ ‫ث‬ َ ‫َل‬ َ ‫ث‬ ٌَ ‫س‬ ٌ ‫ات‬ َ ‫و‬ َ ‫ن‬ • by then he may have come of age after three years.
  • 12. • ٌَ ‫و‬ ٌ َ ‫ف‬ ْ ‫و‬ َ ‫س‬ ٌ ‫ن‬ ِ ‫ك‬ ْ‫م‬‫ي‬ ٌ ‫له‬ ٌ ْ ‫ن‬ َ ‫أ‬ ٌَ ‫ب‬ َ ‫ح‬ ْ ‫س‬َ‫ي‬ ٌَِ‫ا‬ َ‫م‬ ْ ‫ال‬ ٌ ْ ‫ال‬ ٌَ ‫ر‬‫ِف‬ َ ‫و‬‫م‬ ٌَ‫ع‬ َ‫م‬ ٌِ‫ة‬ َ ‫د‬ِ‫ائ‬ َ ‫ف‬ ْ ‫ال‬ • and he will be able to withdraw the money with interest • ٌَ ‫و‬ ٌ َ ‫ح‬ َ ‫ت‬ ْ ‫ف‬َ‫ي‬ ٌَ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ٌ ‫ر‬ ِ‫ِف‬ ْ ‫و‬ َ ‫ت‬ ، ٌ ْ ‫ن‬ِ‫إ‬ ٌ ‫ب‬ َ ‫ح‬ َ ‫أ‬ ٌِ‫ذل‬ ٌ َ ‫ك‬ . • and open a savings account if he desires it.
  • 13. • ٌ َ ‫ق‬ َ ‫ف‬‫ات‬ ‫ا‬ َ ‫د‬ِ‫ال‬ َ ‫و‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ َ ‫ل‬ َ ‫ع‬ ٌ َ ‫ك‬ِ‫ل‬ َ ‫ذ‬ . • Shakeel’s parents agreed to do so. • ٌ ‫ق‬ َ ‫د‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ ٌَ ‫س‬َ ‫ر‬ َ ‫ج‬ ْ ‫ال‬ . • The manager rang the bell • ٌَ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫اش‬‫ر‬ َ ‫ف‬ ْ ‫ال‬ . • The attendant entered
  • 14. • ٌَِ‫ا‬ َ ‫ق‬ ٌ ‫ه‬ َ ‫ل‬ ٌ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ : ٌْ ‫ب‬‫ل‬ ْ ‫ط‬‫ا‬ ٌ ‫ا‬ ً ‫د‬‫م‬ َ ‫ح‬‫م‬ ، ٌ ْ ‫ن‬َ ‫ض‬ ْ ‫ح‬َ‫ي‬ ْ ‫ل‬ َ ‫ِف‬ ٌَ‫م‬ ٌَ‫ع‬ ٌِ‫ة‬ َ ‫ار‬ َ‫م‬ ْ ‫ئ‬ِ‫ت‬ ْ ‫س‬ ِ ْ ‫اْل‬ ٌ ْ ‫ت‬ َ ‫ِف‬ ٌِ ‫ح‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ ٌ ِ ‫ت‬ِ‫اب‬ ّ ‫الث‬ . • Manager told him: Ask Mohammed to come with Recurring deposit account opening form • ٌَِ‫ا‬ َ ‫ق‬ ٌ ‫اش‬‫ر‬ َ ‫ف‬ ْ ‫ال‬ : ٌ ِ ‫اص‬ َ ‫ح‬ ‫ا‬َ‫ي‬ ‫ي‬ ِ ‫د‬‫ي‬ َ ‫س‬ . • The attendant said: Yes Sir.
  • 15. • ٌ َ ‫د‬ ْ‫ع‬َ‫ب‬ ٌ َ ‫ق‬ِ‫ائ‬ َ ‫ق‬ َ ‫د‬ ٌَ‫ل‬ َ ‫خ‬ َ ‫د‬ ٌ ‫د‬‫م‬ َ ‫ح‬‫م‬ ‫ا‬ َ‫م‬ َ ‫ك‬ ٌَ ‫ب‬ِ‫ل‬‫ط‬ . • After a few minutes Mohammed entered as requested • ٌ َ َ ‫ل‬ َ‫م‬ َ ‫ِف‬ ٌ َ ‫ة‬ َ ‫ار‬ َ‫م‬ ْ ‫ئ‬ِ‫ت‬ ْ ‫اس‬ ٌِ ‫ح‬ ْ ‫ت‬ َ ‫ِف‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ . • Filled the account opening form • ٌَ ‫و‬ ٌَ‫ع‬‫ق‬ َ ‫و‬ ‫ا‬ َ ‫ه‬ْ‫ي‬ َ ‫ل‬ َ ‫ع‬ ٌ ‫يل‬ ِ ‫ك‬ َ ‫ش‬ ٌ َ ‫ك‬ ٌ ِ ‫ب‬ ِ ‫اح‬ َ ‫ص‬ ٌ ِ ‫اب‬ َ ‫س‬ ِ ‫ح‬ ْ ‫ال‬ ٌَ ‫و‬ ٌَ ‫و‬ ٌ ‫ه‬‫د‬ِ‫ال‬ ٌ َ ‫ك‬ ٌ ‫د‬ ِ ‫اَه‬ َ ‫ش‬ . • Shakeel signed as the account holder and his father as witness
  • 16. • ٌَ ‫ر‬ َ ‫ك‬ َ ‫ش‬ ٌ ‫د‬ِ‫ال‬ َ ‫و‬ ْ ‫ال‬ ٌَ ‫ير‬ ِ ‫د‬‫م‬ ْ ‫ال‬ • Father thanked the manager • ‫وا‬‫اد‬ َ ‫ع‬ َ ‫و‬ ٌِ ِِ ْ ‫ر‬ َ‫م‬ ْ ‫ل‬ِ‫ل‬ . • and they returned to their house.