Business Commons^™

The Financial Well-Being Of Households Through Digital Financial Inclusion: Does Age, And Gender Play Any Role? Evidence From Pakistan, Zahid Bashir, Sabeeh Iqbal, Muhammad Aamir

3rd IBA SBS International Conference 2024

Purpose: The objective of the study is to examine the impact of a system of digital payment as an indicator of financial inclusion on the financial well-being of vulnerable class of Pakistan having no bank account. Additionally, the study investigates the moderating role of age and gender with a special emphasis on the relationship between digital payment, and financial well-being.

Methodology/Design/Techniques: The study uses quantitative data obtained from users of the digital payment system (Jazz Cash, Easy paisa, U-cash, RAAST, mobile banking apps, etc.) through an online research survey across Pakistan. The study tested the hypothesis using the Smart PLS …

The Economic Impact Of Covid-19 On Religious Tourism To The Kartarpur Corridor, Farooq Haq, Anita Medhekar

International Journal of Religious Tourism and Pilgrimage

The aim of this paper is to analyse the economic impact of the COVID-19 pandemic on religious tourism in the Kartarpur Gurdwara Corridor between the Punjab States of Pakistan and India. The corridor was opened as a peace building initiative 72 years after the partition of India-Pakistan. In November 2019, thousands of Sikh pilgrims visited Kartarpur and Nankana Sahib in Punjab to celebrate the 550th birth anniversary of the founder of the Sikh religion Guru Nanakji, where he spent last 19 years of his life. The Government of Pakistan invested heavily to build the infrastructure facilities for connecting both borders …

Workplace Information Literacy: Current State Of Research Published From South-Asia, Haleema Saadia, Muhammad Asif Naveed

Library Philosophy and Practice (e-journal)

This paper intended to provide and critical and analytical review of research on workplace information literacy published form South-Asia with a view to inform policy and practice. Library, Information Science and Technological Abstracts (LISTA) was searched to identify the key studies published in the proposed research area using multiple keywords. The search process resulted in 384 citations which was screened for duplication and relevance. As a result, 375 citations were excluded due to duplication and non-relevance. Only nine citations remained to deal with for review. The reference lists of these citations were also examined to identify more related citations which …

Librarian Love And Positive Change In Student Personality Development: A Library Management Perspective, Shahbaz Sharif Mr., Muhammad Akram Mr., Korakod Tongachok Mr., Samuel Kwabla Segbefia Mr.

Library Philosophy and Practice (e-journal)

Librarian behavior has brought a positive change in the students' lives. Librarian love encourages the students' stay in the public libraries of high schools. A decade ago, the world paid a high price for corporal punishment; in turn, the students faced a high level of stress and anxiety. However, UNESCO has launched a slogan, 'No punishment but love' all over the world. Therefore, this study measures the impact of librarian love on students' personality development, e.g., discipline, emotional behavior, and perceived respect. Additionally, this study sees whether the high school librarians perceive a positive impact on their discipline, emotional behavior, …

Financing Mechanisms Applied For Successful Universal Health Coverage In Malaysia, Thailand And Singapore - Lessons For Pakistan, Rawshan Jabeen, Unaib Rabbani, Nazish Abbas

Community Health Sciences

Universal health coverage is a global agenda and, currently for Pakistan, achieving this goal is a challenge because of a number of constraints. The current narrative review was planned to describe an overview of the provision of health insurance in Malaysia, Thailand and Singapore that have achieved universal health coverage, and to propose a roadmap for Pakistan. Literature search was conducted on Google Scholar and PubMed databases as well as on the World Bank website to retrieve relevant articles. The three studied countries achieved universal health coverage by gradually increasing allocation for health and through various mechanisms, such as health …

Exploring A Business Model Of Organic Farming Through Qualitative Approach, Shahjahan Sarfraz Raja, Valliappan Raju Assoc. Prof. Dr, Fozia Malik Dr.

The Qualitative Report

The main objective of this paper is to explore the business model of farmers involved in organic farming and to motivate the society for entering into organic farming business as it is environment friendly and healthy for consumers as well. The methodology used for this research was mainly interviews conducted by farmers of Punjab district of Pakistan. YouTube videos on organic farming in Pakistan were also assessed for gaining more knowledge. From the findings of interviews, a business model used by 05 farmers in production of organic products is explored which was an untapped area in previous research. The contribution …

Tourism And Sustainability: Tourism, Economics And Policy, Eshal Arooj, Hijab Bano

CBER Conference

The main purpose of this research was to examine the relationship between tourism and economic development in Pakistan. After using multiple secondary resources the conclusion to be drawn is that Tourism and Economic development are positively correlated meaning that if we work on our potential in tourism industry; Pakistan can witness huge change in its economic development and growth.

Psychometric Evaluation Of Knowledge Sharing Behavior Scale In Academic Environment, Ali Asghar, Muhammad Asif Naveed

Library Philosophy and Practice (e-journal)

This study examined the psychometric properties of the Knowledge Sharing Behavior Scale (KSBS) using academicians at the University of Sargodha, Sargodha. The quantitative research design was adopted using a survey questionnaire to collect data from academicians. A 28-item KSBS was administered to 300 academicians, recruited through the convenient stratified process by visiting each department with permission. The researchers received 237 usable questionnaires indicating a response rate. The validity (e.g., construct validity, convergent validity, and discriminant validity) and reliability (e.g., internal consistency measure Cronbach Alpha) of the instrument was examined using partial least square structural equation modeling with SmartPLS. The results …

Economic Benefits Of Tourism For The Residents Of Gilgit-Baltistan, Arifa Shabnum

English Language Institute

Tourism is an important economic activity which, when it thrives, can improve the wellbeing of the residents of a tourist destination. This research explores the direct and indirect impacts of tourism on the economic wellbeing of the area’s residents. The findings are that tourism can enhance the wellbeing of the residents of Gilgit-Baltistan by providing job opportunities and increasing current income. Furthermore, the local residents can participate in tourism activities and earn their living by providing goods and services.

Interrelationship Between Librarians' Level Of Knowledge Of Information Technologies And Their Attitudes In Applying These Technologies In Libraries, Muhammad Ramzan Dr

Library Philosophy and Practice (e-journal)

The paper presents librarians’ attitudes toward information technology, their level of knowledge in IT, and their relationship with each other. Secondary data was collected through review of the relevant literature. Primary data was collected through a questionnaire survey of 244 librarians of libraries in Pakistan. The study revealed that awareness of the potential of IT, recency of attaining professional qualifications, and knowledge in IT had a significant relationship with librarians’ attitudes. The study also revealed that librarians’ level of knowledge in technology is a good predictor of their attitude toward application of information technology in libraries. Based on the findings, …

Identifying Key Areas Of Worklife And Their Interactive Effect In Explaining Pakistani Nurses’ Burnout, Faisal Qadeer, Amnah Imtiaz, Imran Hameed

Management Faculty Publications and Presentations

We examined the effect of incongruence in the areas of worklife (AWL) on burnout of nurses. Specifically, we were interested in identifying the most important AWL and interactions among AWL and psychological resilience in explaining nurses’ burnout. Incongruence in the worklife escalates burnout and resilience is a coping trait. The phenomenon needs to be studied in developing countries where entirely different health dilemmas exist. A cross sectional survey was conducted from 147 nurses. SEM through AMOS 21 and Process Macro of SPSS was used for data analysis. Two AWL namely control and reward, emerged out to be the most important …

Impact Of Corporate Governance On Capital Structure Of Pakistan, Irfan Haider Shakri

ECU Posters

Corporate Governance-CG is a mechanism that protects the interest of all stakeholders specially shareholders in a modern economic and corporate world that is responsible for economic growth of an economy. Capital structure is one of the weightiest decision that effects the performance of the firm. This study empirically finds how corporate governance practices impact the capital structure of the firm.

Capital Structure And Profitability Of Firms In The Corporate Sector Of Pakistan, Sana Tauseef, Heman Das Lohano

Business Review

We examine the impact of debt ratios on returns on equity based on panel data for 179 companies from the non-financial corporate sector of Pakistan for the years 2000 to 2015. The least squares fixed effects estimator reveals that the debt ratio has a significant positive effect on return on equity up to an optimal debt level of 40 percent beyond which it has a significant negative effect.

Parallel Session: Brand Switching Behaviour Of Muslim Consumers; The Road Not Taken, Munazza Saeed, Ilhaamie Binti Abdual Ghani Azmi

International Conference on Marketing

The purpose of this study is to build an argument in order to investigate the Muslim consumers switching behaviour. Moreover, it also intends to examine the previous literature on brand switching behaviour generally and in relation to the Muslim consumers specifically. This study seeks to expand the body of knowledge in consumer behaviour research with the emphasis on the role of Islam. The benefits that will be yielded from this study will not only provide guidelines to business researchers, but will also enhance the current understanding of Muslim consumers. It studies how the Muslim consumer’s brand switching behaviour is influenced …

Parallel Session: Founder Characteristics And Small Firm Performance In Pakistan, Ejaz Mian, Osman Mohamad

International Conference on Marketing

Although there is a large body of research on small firms, there is dearth of studies on small firms in developing countries. Developing countries present new sets of challenges which need new approach. Small firm founders in developing countries often lack marketing and general management knowledge, have low levels of literacy, lack training facilities for various types of skills, and have weak government support and infra-structure. Literature suggests founder characteristics have profound effect on the performance of small firms. This study seeks to investigate role of founder characteristics in performance of small firms in Pakistan. Small firms are defined as …

Exchange Rate, Market Size And Human Capital Nexus Foreign Direct Investment – A Bound Testing Approach For Pakistan, Naveed Iqbal Chaudhry, Mian Saqib Mehmood, Asif Mehmood, Bahaudin G. Mujtaba

Mian Saqib Mehmood

This study investigates the role of exchange rate, market size and human capital for attracting foreign direct investment (FDI). In this regard, time series data on annual basis has been collected for the period 1985–2010 and an Augmented Dickey–Fuller (ADF) and Phillips–Perron (PP) unit root tests are utilized to determine the stationarity of the variables. An autoregressive distributed lag (ARDL) bounds testing approach to co-integration was applied as all the variables in the model are first level stationary, e.g. I(1). The empirical findings of this study confirm the long run relationship among the variables. However, market size and human capital …

Components Of The Brand Equity Of Internet Service Providers (Isps) In Pakistan, Kashif Farhat

Business Review

This study assesses the determinants of customer-based-brand equity of Internet Service Providing brands in Pakistan. A Likert scale questionnaire was served to 251 respondents, selected through convenience sampling, to assess correlational relationship between the dependent variable: brand equity and independent variables: brand loyalty, brand awareness, perceived quality and brand association. Brand loyalty, brand awareness and perceived quality were found to have a positive significant impact on building brand equity. It’s recommended that marketers and brand managers allocate maximum resources to brand loyalty and brand awareness to gain higher brand equity of ISPs brands.

Parallel Sessions (Marketing Paradigm): A Social Marketing Framework For The Development Of Public Awareness Programs - Pakistan’S Perspective, Sarfraz Ali Kiyani

International Conference on Marketing

Marketing has become the key factor in deciding the success and failure of not only the enterprises but also social causes. The impact of such marketing tactic is eventually determined in the behavior of the target group. This paper is designed to discuss the development of public awareness programs to mitigate risks regarding floods and other natural hazards. Such mitigation can be done by two ways i.e. Structural and Non-structural. Undertaking a good plan covers the steps one should take before, during or after a hazard that will not only minimize risks but also lessen the injuries and Protect people‟s …

Parallel Sessions (Marketing Paradigm): Contemporary Legal And Ethical Issues In Marketing In The Pharmaceutical Industry In Pakistan, Mahreen Nazar, Azad Ahmed

International Conference on Marketing

This research paper attempts to explore the contemporary legal and ethical issues prevailing in marketing practices in the pharmaceutical industry in Pakistan. The main focus of this paper is to enumerate legal and ethical issues influence the marketing strategy in pharmaceutical industry and what are different ways for pharmaceutical companies to address those issues effectively. Primary research is the main tool for this research which includes interviews of the practitioners of the industry.In addition to primary research we will also do some secondary research which includes research papers, journals and articles. This research paper would reveal the legal and ethical …

Ceo Duality Structure And Firm Performance In Pakistan, Qaiser Rafique Yasser, Abdullah Al Mamun, Abdul Suriya

Faculty of Business - Papers (Archive)

This article examines the impact of CEO duality on firm performance; which attracted much attention, especially in emerging economies, yet yielded several inconsistent empirical results. CEO duality exists when the offices of the CEO and Chairman are retained by the same person. This study examines the relationship between CEO duality and the performance of Pakistani public listed companies by using a sample of five years, from 2007 to 2011. This study tested the hypotheses with data obtained from the Karachi Stock Exchange 100 indexed firms, and employed the agency and stewardship theory perspectives. However, our empirical results do not show …

Financial Inclusion Initiatives And National Economic Development, Paul N. Eluhaiwe

Bullion

The paper present a clear understanding of the term financial inclusion, its role in economic development, measures being adopted to forge financial inclusion by selected countries and the attempt being made by Nigerian to follow suit. Section two of this paper gives an overview of the concept financial inclusion, section three highlights the difference between financial inclusion and economic development. Section four presents country experiences on financial inclusion followed by highlights of the current state of financial inclusion in Nigeria.

Knowledge-Sharing Behavior In Dairy Sector Of Pakistan, Syed Rahmatullah Shah, Khalid Mahmood Dr.

Library Philosophy and Practice (e-journal)

This study is about knowledge sharing behavior in dairy sector. Two-hundred middle managers (with professional qualifications) from five industrial units in Pakistan were selected for study. Fifty-seven managers participated in the study (29 percent of the sample). Research model and hypotheses were based on behavioral theories, i.e., TRA, TPB, and TAM. Data were collected through a questionnaire using Likert scale. Spearman’s and Pearson’s correlation coefficients and structural equation model among different variables tested hypotheses of the research modal. The study proved that attitude, intention, and behavior had accepted mutual positive direct effects for knowledge sharing in dairy sector. Conversely, subjective …

Slides: Draft Power In Developing Country Agriculture--South Asia, Arjun Makhijani

2012 Energy Justice Conference and Technology Exposition (September 17-18)

Presenter: Dr. Arjun Makhijani, President, Institute for Energy and Environmental Research (IEER)

13 slides

Slides: Nokero: Power To The Powerless, Stephen Katsaros

2012 Energy Justice Conference and Technology Exposition (September 17-18)

Presenter: Stephen Katsaros, Inventor, Founder, and CEO, Nokero

13 slides

Mobile Marketing At Telenor: A Mad Strategy?, Yasmin Malik

International Conference on Marketing

In early 2010, Telenor Pakistan became the first local mobile network operator to implement a comprehensive mobile marketing strategy in a market where the true potential for mobile marketing was still nascent and misunderstood by both consumers and brands alike. This case study is the first documented study on how Operator-driven mobile marketing via opt-in based consumer profiling can enable and drive the development of a mobile marketing eco-system in Pakistan - in addition the case study also examines the positioning of the Operator in the mobile marketing value chain.

Student Colloquium: Factors Behind Brand Switching (Prepaid Customers) In Pakistani Telecom Market, Adnan Sadiq

International Conference on Marketing

There are number of reasons for a brand switch for a consumer including from personal, professional, network limitations, perceptions, motives and recommendations from others. In order to find the major reasons of brand change in the context of Pakistani telecom market a research is carried out whose finding are presented in this research paper. To keep focused to limited and major factors in the brand switch a literature review is carried out which helps in outlining major factors of brand switch in Pakistani Telecom Market. The literature review consists of all the research work already done on this topic as …

Policy Intervention In Fata: Why Discourse Matters, Nazya Fiaz Dr.

Journal of Strategic Security

Despite years of wide-scale counterterrorism measures in Pakistan's FATA (Federally Administered Tribal Areas), the injection of substantial funds, and the "close" collaboration between the United States and Pakistan, the ugly truth is that the extremism and militancy in FATA continues to recruit members. Moreover, there is little indication that the killing of Usama bin Ladin will have any significant effect on reducing support for militancy. While taking stock of these realities, this article will not seek to rehash the many successes and failures of the counterterrorist operations in FATA. Instead, its purpose will be to argue that while the causes …

Political Instability And Inflation In Pakistan, Safdar Khan, Omar Saqib

Safdar Khan

This study investigates the effects of political instability on inflation in Pakistan. Applying the Generalized Method of Moments technique and using data from 1951 to 2007, we examine this link through two different models. The results of the ‘monetary’ model suggest that the effects of monetary determinants are rather marginal and that they depend upon the political environment of Pakistan. The ‘nonmonetary’ model's findings explicitly establish a positive association between political instability and inflation. This is further confirmed through analysis based on interactive dummies that reveal political instability significantly leading to high (above average) inflation.

The Socio-Demographic Progression Of The Pakistani Woman Manager 1988 To 2004: An Empirical Evidence From The Private Sector, Shehla Riza Arifeen

Business Review

The purpose of this study was to help identify the types of women who had opted for managerial professions in the private sector, and to identify any trends in the social, economic, or educational backgrounds that might have had a bearing on the types of women likely to pursue a managerial career. Research for the survey included 152 organizations in the private sector that had employed graduates from business educational institutions. Out of these 87 organizations reported women at managerial levels. 207 managerial women answered the mail survey. The findings suggest that the profession still remains the domain of upper-middle-class …

A Comparison Of Market Entry Strategies Adopted By Information And Communication Technology (Ict) Firms From Major And Emerging Software Exporting Nations, Stephen Kelly, Jennifer Harrison

Adjunct Professor Stephen J Kelly

This study examines the market entry practices of Australian and Pakistani Information and Communication Technology (ICT) firms and the proposition that Local Software Economy (LSE) maturity affects the selection of market entry practices. The question is significant as it is focused on an indirect effect – namely LSE maturity – on the adoption of market entry practices, with indirect effects being identified in recent literature as being significant and an area in need of further research. The findings provide support for the proposition, indicating that Australian and Pakistani firms, representative of firms operating in high and low maturity LSEs, respectively, …