IUB Journals (Islamia University of Bahawalpur)
Not a member yet
1566 research outputs found
Sort by
Role of Financial Inclusion in Promoting Financial Performance: Evidence from Microfinance Institutions of Pakistan
Get PDFThis study examines the role of financial inclusion (FI) to encourage financial performance (FP) of microfinance institutions (MIs). This study investigates the role of FI considering number of branches and average loan balance per borrower as major determinants to promote FP of MIs. This study used quantile panel data regression analysis to analyze the collected data from the sample of 17 MIs of Pakistan during 2014 to 2019. The findings of this research analysis suggest that number of branches as determinants of FI have significant and positive influence on FP of the MIs. As the number of branches of MIs increases, MIs tend to have a higher level of FP. On the other hand, this study finds a significant but negative relationship between average loan balances per borrower to GNI per capita (ALB) with the FP of MIs. It is normal practice of MIs that they target a few high-profile clients to attain their financial sustainability as low income and poor customers are unable to pay the market competitive price against financial services and products. Continuous increasing focus on profitability results into having very few numbers of poor and low-income customers in Pakistan. The findings of this study are helpful for the policy makers and regulators to design and implement the policies related to FI along with financial growth of MIs
Economic Services of Sayyida Khadijah Al-Kubra (RA) and Contemporary Applications
Get PDFThis research article delves into the economic contributions and entrepreneurial endeavors of Sayyida Khadijah Al-Kubra (RA), the esteemed wife of Prophet Muhammad (Peace Be Upon Him), and their relevance to contemporary economic practices. Through an interdisciplinary examination encompassing historical analysis, economic theory, and business studies, the paper elucidates the pivotal role played by Sayyida Khadijah in fostering economic growth and prosperity in early Islamic society. It explores her astute business acumen, innovative trade ventures, and philanthropic initiatives, shedding light on the enduring impact of her economic legacy. Furthermore, the article draws parallels between Sayyida Khadijah's business ethos and modern economic principles, highlighting key lessons applicable to contemporary entrepreneurship, women empowerment, and ethical business conduct. By synthesizing historical insights with present-day economic paradigms, the study offers valuable insights into harnessing the timeless wisdom of Sayyida Khadijah to address contemporary economic challenges and promote sustainable development
The Mediation role of Customer Trust and Satisfaction on Green Banking and Customer Loyalty in toursim industry
No full textThe green banking approach is introduced by banks to protect the environment, for the sake of improving tourism and hospitality, from degradation as banks are the main source of funding in the economy so banks take initiatives to benefit the environment by providing green banking initiatives as banks provide funds to different sectors that also include those at are producing harmful elements and products that destroy the environment so the bank step forward introduces green baking as the bank stakeholders are customers so it is important to understand their point of view about this initiative taken by banks are they satisfy with a bank and trust the banks that they are taking a right decision because this satisfaction and trust lead towards customer loyalty. Customer loyalty is the measurement of post-purchase behaviour of customers if the behaviour is positive loyalty increases so the profitability and sales increase as customer loyalty indicated recommendations. So customer perspectives also matter in the green banking approach on which few studies were conducted in the past. So this study analyzes the impact of green banking practices and products and green financing projects on customer loyalty through customer trust and customer satisfaction. The two green banking aspects: operations related to banks' internal operation practices and customer-related that include green banking products, and green banking financing projects that are socially responsible projects of banks are analyzed separately which is missing in the existing literature. Data were collected from respondents through structured questionnaires using convenience sampling covering the area of Lahore, Pakistan, and analyzed the data using PLS (SEM). The results show a full mediation relationship between green banking financing projects and customer loyalty through customer satisfaction and all other hypotheses are accepted by partial mediation. This study contributes to the existing literature by adding customers' perspectives on the green banking approach
An Empirical Study on Supply Chain Risk Management of Healthcare Sector in Karachi, Pakistan: Issues, Challenges, and Future Agenda
Get PDFThis empirical study investigates supply chain risk management in Karachi's healthcare industry. Given the industry's complexity and vulnerability to disruptions, it focuses on the problems and challenges faced by healthcare organizations in managing supply chain risks. Data is collected through questionnaires, interviews, and case studies involving healthcare experts, supply chain managers, and stakeholders. The findings highlight major risk factors such as inadequate contingency planning, inventory management issues, transportation bottlenecks, and procurement delays. The study identifies difficulties in implementing risk mitigation measures, including resource constraints, infrastructure inadequacies, and regulatory limitations. Based on the analysis, the study proposes a future agenda for enhancing supply chain risk management in Karachi's healthcare industry, including stakeholder collaboration, technology utilization, emergency response systems, and resilient supply chains. This study contributes to the knowledge base on supply chain risk management in healthcare, particularly in developing nations, providing valuable insights for policymakers, healthcare organizations, and supply chain practitioners to enhance their risk management capabilities and ensure uninterrupted healthcare service delivery
Evaluation of the Practice of Waqf Management in Muslim Minority Country: Sri Lanka
Get PDFWaqf institution has been widely established to provide for socioeconomic assistance in various field such as health, education, and socio-religious activities. Some countries successfully record positive outcomes in waqf management such as al-Azhar University in Egypt, the management of million worth of waqf assets in Singapore and mushrooming of various waqf projects in Indonesia. This study explores the origin of waqf and its management in classical literature and assesses its suitability in application within the contemporary sustainable economic world. The study is premised on the statement that waqf institutions achieve their objectives through better management, and this management is absent in the current waqf management in Sri Lanka. Hence, the validity and relevancy of this management is analyzed using classical and contemporary literature. This research adopts literature surveys and thematic interview involving twelve respondents comprised of Sharīʻah scholars, current and former members of the waqf board, and waqf managers of trust. The study highlights the causes for lack of efficient management of waqf; theoretical and practical issues of the existing waqf Act in Sri Lanka, gaps in waqf legal frameworks, conceptual and management gap among the waqf board, equating waqf management to general charitable trusts. One of the notable reasons for this issue is due to a lack of understanding of the concept of waqf and its legal framework. This study recommends for the amendment of the waqf Act. Among others, to incorporate contemporary rules and practices based on Islamic law, staff training to include fundamentals of Islamic knowledge, as well as emphasizing on employment of audit processes for management while promoting awareness on waqf is crucial for waqif, managers, beneficiaries, and members of the society
Clinical evaluation of patients suffering from breast cancer and determination of evolving treatment therapies and better strategies related to breast cancer
Get PDFAbstract: Breast cancer is basically the lesion of female breast that may create from the connective tissue or epithelial cells of breast.Primary objective: The objective of study was to conduct a survey about the prevailing of rate of breast cancer in community of Rawalakot, Islamabad and local community and to find out strategies used for the diagnosis, treatment and prevention of breast cancer. Methods/Design: A well structure questionnaire including 35 questions about the history, sociodemograhic characteristics, diagnostic tools, treatment plans and prevention methods has been prepared and circulated among the patients of breast cancer through survey. Setting: Study was conducted in Rawalakot and Islamabad Pakistan Participants: 50 participants were involved Intervention: The study was also conducted to communicate with larger community of breast cancer patients and to give them awareness related to initial diagnosis of this harmful disease. Primary Outcome Measures: This study was very very helpful in educated and non-educated community of the specific cities . Results: While conducting the research based on studies, it was found that about 68.84% patients has been report with the reoccurrence of breast cancer after surgery, 70% patients have been diagnosed with invasive type and 30% non-invasive type and 50% have been treated with hormonal therapy as continued treatment after surgery. Conclusion : Breast cancer variation among population or regional differences in the types have been attribute to the prevalence of major risk factors, availability and use of medical practices such as cancer screening, availability and quality of treatment, completeness of reporting and age structure.
Comparison of Caliphs, Kings, Rulers and Chiefs of Tribes mentioned in the Holy Quran with the contemporary government systems
Get PDFABSTRACT:
All rulers, kings and chiefs of different tribes are not the same, there are good and bad among them. When the government is in the hands of good people, peace and order is established and the people are happy, and when it is in the hands of bad people, it causes destruction and corruption in the country. Many rulers, kings and chiefs of tribes have been mentioned in the Holy Quran. In this article we will see how good and bad rulers influence society. Nowadays, while in a large part of the world, the people choose their rulers through their votes, the choice of good rulers is very important for the whole country. The common people and especially the educated people should know the importance and necessity of this and should always try to elect good rulers. In this article, the kings and rulers mentioned in the Holy Quran have been compared with the contemporary governments. Nowadays, although the divine claims of the rulers are not visible because the people of the world are against dictatorship, but in reality, since the formation of the United Nations after the Second World War, five powerful countries are playing the role of dictators in the whole world. They are so powerful that they can give constitutional protection to oppression and dictatorship for years and decades by using the right of veto in the United Nations which consists of one hundred and ninety-three (193) countries.
Key Words: Quran, Rulers, Kings, Chiefs of tribes, United Nations, dictatorship.  
A Cricital Study of the Motives and Suspicions of the Denial of Prophethood of the Hindu Sect Brahma
Get PDFThe mission of Prophet Muhammad (peace be upon him) is universal. In 2019, a Hindu scholar wrote a book called Kalki Avatar and Muhammad Sahib, in which he proved that the last leader is Muhammad, peace be upon him, from the Vedas and Hindu religious texts. Proved that there is a concept of prophethood in Hinduism and there is also a mention of Muhammad (peace be upon him). How Muhammad Mustafa (peace be upon him) can be meant. This article has been prepared to remove these complaints.
The second period of Hinduism is called the period of Brahman. Starting from 800 BC to 300 BC, this period lasted. Brahmin declared himself the best. Where there were changes in the teachings of the Vedas, there was also a significant change in the concept of prophethood and Risalat. Brahmin denied the prophethood of his religious supremacy because in that case his supremacy would have been preserved. Perhaps there is no concept of prophethood in it, but the fact is that there is a concept of this prophethood
The purpose of this paper is to make it clear that it is not far-fetched that our Leader Muhammad (peace be upon him) is meant by Kalki avatar. Denial of prophethood in Hinduism was replaced by the concept of avatar after some reform movements. Then the element of deity was added to avatar. In the commandments of Prophethood, there is moderation, there is equality, there is brotherhood, but the outdated system created by Brahman took the form of a humanistic system. Hinduism tried to keep its members together in different ways, but this religion got divided into different branches due to differences in ways of attaining salvation, rather these branches got separate religious identities
علامہ اقبال اور تجدیدِ تصوف: تحقیقی و تنقیدی جائزہ: Allama Iqbal and Renewal of Sufism: Research and Critical Review
No full textThis study investigates the contemporary interpretation and application of Sufism in the East, focusing on Iqbal's Sufi ideals. Beyond analyzing Iqbal's own works, it explores broader Sufi literature. Dr. Muhammad Iqbal, a staunch advocate for restoring Islamic Sufism to its authentic form, criticized elements diverging from its original principles. Emphasizing the transformation of the human ego, he advocated for the cultivation of divine attributes over ego erasure. Using a mixed methodology, the research concludes that traditional Sufism is responsible for the decline of Muslims, positioning Iqbal as a key figure in the revival of a Sufism that inspires proactive engagement
اقبال اور فختے کا تصور ِ خودی : Iqbal and Fichte's concept of self
No full textThis article delves deep into the philosophical groundings of the two influential thinkers, Allama Muhammad Iqbal, a renowned poet-philosopher of the East, and Johann Gottlieb Fichte, one of the major thinkers in German idealism, discussing their respective understandings of the human Self. The examination of Iqbal's and Fichte's philosophical frameworks reveals intriguing and interesting affinities and divergences in their conceptualization of selfhood, consciousness, and the role of the individual in shaping reality. It offers unique perspectives on the nature of the Self, its relationship with the external world, and its potential for self-realization. The article employs a comparative and analytical approach to highlight shared themes and disparities, shedding light on various ontological, epistemological and axiological contexts that influenced these thinkers. Through a comprehensive analysis of primary texts and critical scholarships, this article contributes to a vast and deeper understanding of the complexities inherent in the concept of the human Self as expounded by Iqbal and Fichte, stimulating cross-cultural dialogue within the broader philosophical discourse