International Journal of Management Research and Emerging Sciences
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IMPACT OF ASSET GROWTH AND EQUITY MULTIPLIER ON THE FINANCIAL PERFORMANCE OF MICROFINANCE BANKS OF PAKISTAN
Get PDFMicrofinance is the provision of a comprehensive range of financial facilities such as loans, deposited, money transfers, payment services and insurance to low-income households and their micro enterprises, due to limited literature on evaluating the financial performance of microfinance banks. The objective of this paper to investigates the relationship between asset growth and equity multiplier on the financial performance of microfinance banks of Pakistan. Study considers two variables, which relate to the profitability (a dependent factor): ROA and ROE. The independent factor on the other hand, AG, and EM. For this purpose, total 9 microfinance banks of Pakistan are engaged with 10- year financial data from 2010-2019 that are comes under the supervisions of State bank of Pakistan. E-views software is used to revealed result by analysis different tests including the descriptive analysis, correlation analysis and panel square regression method with. Some authors suggest that asset growth and equity multiplier have positive impact on financial performance of banks, while some authors suggests that asset growth and equity multiplier have its negative impact on the financial performance of banks. This study suggest that asset growth has its significant positive relationship with return on asset and return on equity, while equity multiplier has its significant negative relationship with return on asset and return on equity, finally based on results we conducted that asset growth has its significant positive relationship on financial performance and equity multiplier has negative relationship on the financial performance of microfinance banks of Pakistan. The study is equally beneficial and useful for the future researchers and for the microfinance banks of Pakistan to improve their profitability by reducing the equity and increasing asset growth
THE EFFECT OF SMS MARKETING ON ATTITUDE, INTENTION AND BUYING BEHAVIOR OF CONSUMERS OF KARACHI
Get PDFThese days where mobile playing a significant role in every individual’s life. No one can live without it. Due to the rapid increase of mobile usage, the marketing industry also entered in the grow the market tree from it. It was an obvious reaction that the recipient was not only read the message but also respond to it quickly. Perhaps, in this study was derived from the consumer of Karachi and find the consumer attitude towards SMS advertising and find that whether consumer buying decision was to rely upon SMS advertising. However, the study reveals the four attributes of attitude (Entertainment, Infotainment, Irritation, and Credibility. Purchase intention of the consumer is associated with the diverse effect of SMS marketing where the consumer decided that it could be benefited or time waste. In the questionnaire survey, 300 participants were involved which collected by the survey form and analyzed by the SPSS tool
PARENTAL AND MATERNAL STYLES OF PARENTING AND STUDENT’S ACHIEVEMENT
Get PDFThis current research paper aims to elaborate on the paternal and maternal styles of parenting on students’ achievement in educational institutions. The universal right to all children is education. The content of the infant is also increased and made it effective to incorporate the parenting models. In this study, the dependent variable is students’ achievement and the independent variable is parenting styles at the elementary level. The population is comprised of 200 parents of the children at an elementary level (female 100, male100) are responded through a random sampling approach. Data were obtained using a 5-point Likert-style questionnaire. The parents play a vital role in the achievement of their child in the field of curricular and extra-curricular activities. Due to the economic problem, the parents cannot give proper time to their child for the enhancement of their hidden qualities. The question is why the parents of the modern era cannot become role models for their children. This paper indicates which style has an impact on student achievement
FACTORS PRECEIVED TO INFLUENCE THE PERFORMANCE OF PUBLIC SECTOR EMPLOYEES WITH MEDIATING EFFECT OF EMPLOYEES SATISFACTION; A CASE STUDY OF CIVIL DEFENCE DIRECTORATE
Get PDFIn developing countries like Pakistan, mostly the public sector departments give not as much of focus on the performance / capacity building as well as the satisfaction of the employees, the research was conducted to know the influence of the factors perceived on the performance of public sector employees by increasing satisfaction and for this purpose the Civil Defence Department was selected. The study was conducted on the mixed method approach in which both qualitative and quantitative methodologies were adopted to know the responses of the employees of the Civil Defence Department regarding research objectives. Questionnaires, both in open ended and close ended format were distributed among 100 employees of the Civil Defence Department as per the availability of the skeleton staff during COVID-19. The hypotheses were equipped to recognize the significance relationship of variables as well as statistical analysis was applied through SPSS to examine the acceptance or rejection of the hypothesis. Hence, the result instigated that factors perceived in this study have significance influenced on the performance and satisfaction of the public sector employees
IMPACT OF CAPITAL STRUCTURE ON ISLAMIC AND NON-ISLAMIC INSTITUTIONS OF PAKISTAN
Get PDFThe prime purpose of this study is to analyze the capital structure impact on the performance of Islamic and non-Islamic financial institutes of Pakistan during the time of 2006-2013. To examine this impact, the researchers investigate empirically what are the outcomes of capital ratio on profitability indicator (EFCROE) of Shariah compliant financial firms as well as interest-based financial firms separately. The estimation technique generalized method of moments has been used for the proposed model. Both models verify the negative association of capital ratio with the efficiency of financial institutions. The lower equity with higher leverage becomes the cause of mitigating the agency cost of the firm and good performance as well. Hence, both models confirm the presence of agency cost theory in the financial sector of Pakistan. However, this effect in the Islamic financial sector is insignificant because of the small magnitude of the Islamic financial sector. The results suggest that managers should increase their debt financial instruments and lessen their equity financing to enhance their performance and the State Bank of Pakistan should take valid and sound steps to promote Islamic financial services in Pakista
EXPLORING THE ROLE OF AGILE OPERANT RESOURCES IN FACILITATION OF BUSINESS MODEL INNOVATION: CASE OF FAMILYOWNED BUSINESSES IN PAKISTAN
Get PDFResources act as the armaments for innovation in today’s volatile business world where catering competitiveness has become the biggest challenge. To the best of the author\u27s knowledge, no study has been done specifically in the context of Family-Owned Businesses (FOBs) in Pakistan regarding the owner’s possessed agile operant resources. This paper explores how agile operant resources possessed by owner of family firms facilitate business model innovation. An abductive research approach using the Gioia methodology has been used to develop broader themes for discussion. Purposive sampling is used for data collection; while conducting interviews through open-ended questionnaires of family owners. Finding depicts that agile entrepreneurial phronesis and agile structure approach are two operant resources possessed by family owners that facilitate in business model innovation. The authors have proposed a conceptual model that highlights on the pertinence of agile operant resource which drives the Family firm’s competitive performance. This study proposes a framework for FOBs operating in Pakistan by providing novel insights for establishing competitive firm performance. Each FOB may adapt these resources to ensure business model innovation. It also opens new avenues of innovation and growth for FOBs by determining the primitive significant role of FOB Owners Operant Resources. This study can be applied to all FOB
EFFECT OF STATE MINDFULNESS ON EMPLOYEE JOB SATISFACTION AND WELL-BEING: ROLE OF WORK-FAMILY BALANCE
Get PDFThis study aims to know how; committed and satisfied employee is an asset to an organization. How’ Scan help the organization to compete and grow aggressively in a dynamic global environment. Therefore, state m unless is a factor that increases employee job satisfaction and well-being by ensuring work-life balance as a mediator which is vital for organizational productivity and profitability. Quantitative data from 400 respondents of the telecom and banking sector of Pakistan has been collected through self-admin red questionnaires for analysis. The collected data has been analyzed through IBM SPSS 23 to explore the relationship among independent and dependent variables and the mediating effect of work-life balance has also been substantiated. Testing of mode confirms the positive impact of state mindfulness on employee job satisfaction and well-being by ensuring work-life balance as a mediator. This research is providing a theoretical and empirical foundation to link state mindfulness with employee job satisfaction and wellbeing of employees. This study also adds to the limited stick of knowledge, providing a mediating link of work-family balance between state mindfulness and job satisfaction and employee well-being. This study also broadens previous research findings
IMPACT OF TRANSACTIONAL LEADERSHIP ON KNOWLEDGE HIDING BEHAVIOR; MODERATING ROLE OF ISLAMIC WORK ETHICS
Get PDFKnowledge hiding behavior reflect an intended concealment of knowledge that must be request by another people. This study examined the collective impact of Transactional leadership on knowledge Hiding Behavior with the moderating role of Islamic work ethic in hospitality industry of Pothwar region (Rawalpindi division). In this research, quantitative research method was applied. Population of the study include in this research are the managers and the employees of the hospitality industry. In this research we used nonrandom sampling technique and collected data through questionnaire with total of 250 employees of hospitality industry in Pakistan. Results of the research shows that role of Islamic work ethics is important for every organization. It strengthens the connection between the transactional leadership and the knowledge Hiding Behavior. It has also found that the leaders and the followers believe and accept the Islamic Work Ethic is the main factor of encouraging the employees that are committed to their work and perform their duties and responsibilities
IMPACT OF SOCIO-ECONOMIC FACTORS AND ENERGY MIX ON PM2.5 CONCENTRATION: AN EMPIRICAL ANALYSIS OF NEXT-11 COUNTRIES: Mahjabeen Usman, Sumayya Chughtai
Get PDFThe intensified contradiction of economic growth and environmental protection has gained a lot of attention from multidisciplinary scholars. The relationship between socio-economic factors and deadly concentration of PM2.5 remained poorly understood specifically for the developing countries. The study has selected Next-11 countries for the analysis to gauge the influencing factors of PM2.5 concentrations by collecting data from 1995-2017. The cross-sectional dependence test shows mixed results therefore, the study has employed both the first generation and second generation econometric techniques. The results of the panel unit root test indicate that all the variables are stationary at first difference. In Auto-Regressive Distributive Lag (ARDL) estimation, the longrun co-integration vectors show that renewable as well as non-renewable energy have significant long-run co-integration. Gross domestic product is the main influencing factor of PM2.5 concentrations while its quadratic form has a negative association that verifies the existence of the Environmental Kuznets Curve (EKC) in sampled countries. The Westerlund co-integration test also verifies the long-run integration among variables. The results of Fully Modified Least Square (FMOLS) and Dynamic Least Square (DOLS) indicate significant negative relation of industry value-added, trade openness and urbanization. On the other hand, the results of the Dynamic Common Correlated Effect (DCCE) indicate the positive impact of urbanization on PM2.5 concentration. This is the first study that is showing the key contributing factors of PM2.5 concentrations for N-11 countries. Authors have suggested the rational formulation and careful implementation of policies
WORK FROM HOME AND EMPLOYEES\u27 PERFORMANCE DURING COVID19 OUTBREAK: ROLE OF TIME AND COMMUNICATION CULTURES
Get PDFThe purpose of this paper is to analyse the impact of telecommuting on "In Role Performance (IRP) and Extra Role Performance (ERP) of employees" and the research has also examined the moderating effect of "Polychronic Time Culture (PTC) vs Monochronic Time Culture MTC" and "High Context Culture (HCC) vs low context culture (LCC) on the relationship between teleworking and IRP and ERP, whether these factors moderate the relationship or not. The quantitative approach is used for this study. Data is collected through the online survey method, where 312 teleworkers of the telecommunication sector respond to the questionnaire. The collected information is tested using SPSS and AMOS by using confirmative factor analysis and structural equation modelling. This study\u27s findings show that teleworking had a significant impact on the IRP and ERP of employees. Time cultures also had a significant moderating impact on the relationship between teleworking and In-role performance and employees\u27 extra-role performance. In contrast, HCC vs LCC had an insignificant moderating impact on the relationship between teleworking and IRP of the employees, and it significantly influences the ERP of employees. This research has been conducted only in the telecommunication sector of Pakistan. Furthermore, this research focused only on two dimensions of Hall\u27s cultural model; future research can use the national cultural model\u27s other dimensions. This study gives several insights into how employees and organizations can be encouraged to work from home according to the organisation\u27s standards. It also enables the organization to motivate employees to EERP while working from home