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Factors Influencing the Profitability of Fully-Fledged Islamic Banks in Pakistan
Get PDFIslamic banks are founded on principles that constitute the guidelines governing any Islamic economic or financial dealing. There has been tremendous growth in the Islamic banking sector especially in Islamic countries with regions like GCC countries and Malaysia leading the way. The situation in the Islamic Republic of Pakistan has been quite different where there has been a steady decline in the total
number of Islamic banks and their profits. It is important to identify the reason behind decline and failure of the Pakistani fully fledged Islamic banking sector. Therefore,
this study purpose is to highlights the main reasons for the decline of Islamic banking profitability in Pakistan. According to SBP, Islamic Bank Bulletin 2018, there are
currently four fully fledged Islamic banks operating with 14.4% market share of Pakistan's banking industry. This study encompass a period of twelve years (2007 to 2018) which shows a gradual decline in the total number of fully fledged Islamic banks in Pakistan and gradually in the reduction of their profits. This study contributes by analyzing both internal and external factors ((Back specific/Internal, Environmental/Macroeconomic and External Factors) which have led to the decline in the profitability of fully fledged Islamic banks. The study utilizes mixed method approach using the triangulation technique for the collection and analysis of data. Primary data was gathered from 203 senior Islamic banks managers and data was collected from ten major cities of Pakistan. Conclusively finding reveal that internal/bank specific, external factors have significant and positive impact on Islamic bank‘s profitability while Macroeconomic factors have limited contribution in Profitability generation. This is clearly evident from the empirical findings that if these factors are not addressed by the banks management and State Bank of Pakistan (SBP), in the near future there would be a further decline in the number of Islamic banks operating in Pakistan. Therefore, this study highlights and addresses the main causes for the decline of Pakistani Islamic banking sector. The study provides workable policy recommendations to be followed both by the senior banks management as well as the regulatory body (SBP). This study is important as it
clearly emphasizes the core weakness within the Islamic banking sector of Pakistan and provides practical recommendations and suggestions to save this declining sector
Why do Asnaf Entrepreneurs Become Successful? The Role of Intention, Opportunity, and Resources
No full textQardhawi's opinion on the 2009 zakah disbursement model related to the empowerment of productive aṣnāf has encouraged the development of productive zakah in poverty alleviation. This study aims to examine the effect of intentions, opportunities, and resources on successful aṣnāf entrepreneurs. The method used is the mono method, namely quantitative research. Data was obtained through a survey using purposive sampling. Primary data were examined using the PLS-SEM method and the SmartPLS application. This study
found that the intention and opportunity factors had a positive and significant effect on the success of aṣnāf entrepreneurs. Meanwhile, resources have a negative impact on the success of aṣnāf entrepreneurs. This is evidence that the zakah resources given to aṣnāf entrepreneurs must be optimized so that they can have a significant impact. This finding provides recommendations to zakah management entities and policymakers to be able to increase the contribution of zakah funds in poverty alleviation through the aṣnāf entrepreneurial program
Analysis of the Influence of Competence and Work Culture on Employee Performance with Moderation of Exit Intentions: A Case Study at Bank Syariah Indonesia.
No full textEmployee performance is the result achieved by a worker within a certain period of time. This study aims to determine, analyze and identify how much of the factors that influence the performance of employees at Bank Syariah Indonesia, Depok city branch by mediating intention to leave or resign. The method used in this research is quantitative method. The results showed that based on the results of the questionnaire test showed that the questionnaire data presented had met the validity and reliability requirements of the data. Based on the results of the outer model test using the smart PLS 3.3 application, namely the Convergent validity, Discriminant validity, and Composite reliability tests. The inner model test results show that all these factors
Total Quality Management in Private and Public Sectors in Bahrain: An Exploratory Study
No full textThis study has a central theme of reviewing and overcoming TQM barriers. Thus, the researcher aims to provide the government of Bahrain set of recommendations for employing useful tools in the human resources position to assist the TQM process. The objective of the novel research conducted here is to determine the extent of TQM and the factors impacting it. It will also provide a subjective comparison between the Private and Public sectors and determine which sector has adequate TQM. On the other hand, the researcher
will evaluate the impact of TQM on employees’ satisfaction. The key critical success factors measured in this research include leadership and top management, quality planning and strategy, communication, employee’s involvement, quality of product and services, customer focus, quality culture, MIS,
and continuous development. The methodology utilized in this research, described as cross-sectional, adopted a multi-method approach (quantitative and qualitative) conducted through questionnaires and interviews, to perform the research objectives. An SPSS program and other analysis tools were used to analyze the data collected appropriately. The result shows that many theories models and tools were used to facilitate Total Quality Management. In addition, critical success factors affecting the implementation of total quality management depend on their business and environment. On the other hand, there is less awareness among the employees in Bahrain from both sectors private and government, regarding the total quality management, plan, and effect. The researcher concluded that employee job satisfaction is one of the main critical success factors affecting TQM. Finally, a comparative summary of the best practice results between private and government organizations, concerning TQM, results in similar effectiveness and efficiency with a little more emphasis in the private sector
Perceptions of Students Regarding Changes in LMS of AIOU, Islamabad, Pakistan
Get PDFInformation Technology (IT) has long been a part of daily life in educational institutions around the world,
including Pakistan. A learning management system (LMS) is designed to assist students by facilitating
learning and communication. In recent years, LMS has gained popularity among students as a method of
acquiring knowledge through electronic media. The use of computers and an understanding of information
technology are required for this. The current study sought to learn more about how students at AIOU
Islamabad, Pakistan, perceive the changes in learning management systems by distributing a questionnaire
consisting of a few questions related to LMS. Majority of the respondents involved in the study were
females (51.67%) while 48.32% were males. The respondents with Bachelor, Masters, MS/M.Phil, and
Ph.D. levels of degree were 31.62%, 30.07%, 27.20%, and 11.13%, respectively. It is concluded that the
majority of participants (male and female) had no internet facility which is a very important part of LMS.
Syllabus and course materials were the frequently used tools of LMS in the study area. LMS can be a highly
effective learning tool when they are designed to be scalable and able to adapt to the needs of the University.
According to research, electronic Moodle-based LMSs may be more effective than traditional face-to-face
teaching, resulting in learning outcomes that equal or exceed those of face-to-face teaching. Students face
difficulties using Microsoft teams because they are not well aware of its functionality. It was recommended
that proper training regarding the usage of the AIOU Aaghi LMS Portal should be provided for the provision
of efficient learning environment
The Social and Economic Impact of Dengue: A Case Study of the National Hospital Colombo, Sri Lanka
Get PDFDengue has become a significant public health problem in Sri Lanka. In the year 2017, a total of 186,101 cases of dengue have been reported around the country, and the most substantial proportion of 18.42% was reported from the Colombo district. The social and economic impact of dengue has been studied at a very low level so far. Therefore, this study was conducted to have an insight into the number of
resources used by the interventions related to dengue case management and the social factors, which influence the disease. Due to the difficulty in obtaining data from the
private sector, the scope of this study was limited to the government sector.
The research was conducted in two stages. It involved 200 inward dengue patients in analyzing the direct cost of the disease and conducting a community survey through family members of selected patients to analyze the social impact of
the disease. Related data items were gathered from the National Hospital that treated dengue inward patients in the Colombo district. The structured cost elements were
examined to identify the variable and fixed costs of each activity within each element and used a systematic sampling protocol to select 200 patients and their families. A
cross-sectional approach was used to assess the knowledge, attitudes, and behavioral patterns of family members towards dengue fever.
All data were analyzed by using MS Excel, SPSS 22 software package, and R software and used logistic regression model approach to realize the independent effect of each of these potential variables on the dependent variables (dengue prevention practices) of Knowledge, Attitudes and Practices (KAP) related to dengue prevention and apply quantile regression to analyze the economic impact of dengue. The average economic impact of dengue illness in Sri Lanka was LKR 37,988 in 2017 and knowledge, attitudes and behavioral factors have significant effects on health. This study recommends that the healthcare system in Sri Lanka needs to
develop mechanisms to promote preventive care, which is more cost-effective compared to curative care
Covid-19: Digital Barriers to Distance Learning
Get PDFA confluence of unexpected circumstances has emerged in the relationship between teachers and distant learning regarding COVID-19, hinting at an invention of external trial and error that is happening within the common of school. The professional opinion of educators in terms of their gifts and protections closer to virtual advances are subject to the key advancements examined in this study. A survey on distance learning that was restricted to 160 educators and 363 students was conducted to investigate this issue. Problem and unshakable fine investigations, as well as connection and relapse tests, were carried out from a strategic standpoint. The analysis of the results revealed that the ballot prioritizes three major factors-two excellent and one negative that connect teachers' judgments to the protection from remote thinking. This indicates that the ballot values educators' competitiveness to separate learning to be alert. I give up; the topic of time acknowledgement in educational activity continues to be a general one of the ways for skilled perception and discernment. The second issue focuses on the link between computerized innovation and consumers, which should no longer only focus on the liaison with learners but also the perspectives of other preparatory entertainers, including teachers
Relationship of Personality Traits Hexaco and Self Esteem in University Students
No full textSelf-esteem reveals the individual’s sense of worth and the
degree to which the individual values himself. It represents the individual’s general as well as personal feelings diagonally the time and context. It pertains to the personnel evaluation regarding their potential, worth,
capabilities and norms. Therefore, this research was carried out to analyze the HEXACO (conscientiousness, openness, honesty-humility, extraversion, neuroticism and agreeableness) in association with the self-esteem of university students. For this purpose, 300 participants of different ages, gender, education level and residence were included in the study. The data was collected on a predesigned questionnaire and was analyzed using statistical tools. It was found that openness, conscientiousness, and self-esteem, were substantially higher (p<0.05) in males, but extraversion, agreeableness, and neuroticism were significantly higher in females (p<0.05). Honesty-humility was also higher in female students. Further evaluations revealed that openness, conscientiousness, extraversion, agreeableness, and honesty-humility were significant positive predictors (p<0.05) of self-esteem in university students, whereas neuroticism served as a significant (p<0.05) negative interpreter of self-esteem. Hence, it was concluded from this research that personality traits affect all elements of university students and are strongly associated with their self-esteem
The Customer Loyalty Research Trends: Bibliometry Analysis
No full textThis research is a systematic mapping in the topic of Customer Loyalty (CL) studies based on bibliometric analysis. The purpose of this study was to find out how the development of citations, publication trends, collaboration of authors, trends in title terms, trends in keyword terms in Customer Loyalty (CL) articles during the last ten years 2013-2022. Data collection using publish or perish (PoP)
software in bibliographic search as the initial database on Google Scholar and Scopus. The results showed that from 500 papers, the number of citations reached 38813 citations, with an average annual citation of 4312.56 citations, 77.63 citations per paper, and an average h-index of 113. The highest fifteen citations with authors from various countries collaborate, the top three are; P Martínez, IR Del
Bosque (1059 citations) publisher Elsevier; J Kandampully, TC Zhang, A Bilgihan (664 citations) emerald publisher, and A Bilgihan (635 citations) emerald publisher. Of the top fifteen articles dominated by publisher elsevier, emerald, and springer. More deeply, the results of the VOSviewer
analysis found that there were 39 items with 10 (ten) clusters related to the field of consumer loyalty.
Cluster 1 (6 items) are Airline industry, Case study, Customer loyalty, Customer loyalty program, Customer relationship, and customer retention. Cluster 2 (4 items) consists of Corporate reputation, CSR, Customer trust, and Moderating role. Cluster 3 (3 items) includes Brand, Intention Moderating Effect, and Relationship quality. Cluster 4 (2 items) consists of Customer engagement and Customer experience. Cluster 5 (2 items) are Loyalty program and Relationship marketing. Cluster 7 (2 items) namely Empirical study and Reputation. Cluster 8 (2 items) namely Commitment and Customer value. Cluster 9 (2 items) namely Factor and Importance. It can be concluded that the study of the science of loyalty is connected with other additional factors that are taken into account. Therefore, it is very important for future studies to develop 10 (ten) clusters related to consumer loyalty to understand consumer behavior as the key to business success in the era of the industrial revolution 4.0.
The Impact of Talent Management on Employee Satisfaction and Business Performance in the Digital Economy: A Qualitative Study in Bangkok, Thailand.
No full textThis study explains the impact of talent management on employee satisfaction and business performance in the digital economy in Bangkok, Thailand. The interview questions were developed based on academic papers with high
reliability and validity and proved by three experts. A qualitative study was contributed through interviews with six respondents in two business companies who were talents in Bangkok, Thailand. The content analysis and NVivo Trial Version were employed to analyse and interpret the data.
The results reveal that talent management comprises talent attraction, talent development and talent retention. Talent attraction is essential to talent development. Also, talent development is related to talent retention and turns it into employee retention. If there was a high retention rate or low turnover rate, it reflected employee satisfaction and business performance. Strategic planners should pay attention to talent management because there is an association between talent management, employee satisfaction and business performance. It could enhance job satisfaction and organisational performance in any sector. The recommendation is to expand to other industries
because the insight could give more clear human resource strategies. Moreover, further quantitative research could explain in general and confirm the relationship model