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Cost efficiency of Pakistani banks: a stochastic frontier analysis

Thesis Info

Author

Sajwani, Shoaib Amin

Program

MS

Institute

Institute of Business Administration

Institute Type

Private

City

Karachi

Province

Sindh

Country

Pakistan

Thesis Completing Year

2017

Page

41

Subject

Economics

Language

English

Other

CallNo: 332.1

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676720932064

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Since the 1990s, Pakistan's banking sector has undergone measured and noteworthy reforms. The purpose of these reforms was to build a reliable and competitive banking system to improve efficiency and dependability. To assess and evaluate cost efficiency of Pakistani banks, this research uses parametric stochastic frontier analysis (SFA). The study is conducted for the period of 1998 to 2010; a period immediately following the enactment of the financial reforms in the banking sector. And in this study we compare a number of specifications of SFA model to establish the desired frontier efficiency model. x The study shows that the one stage Hicks-neutral SFA model performs better than any other specifications tested. This SFA specification consisted of inPfts, outputs, control variables and generalized banking characteristics in the cost. Based on our SFA model, the cost efficiency of Pakistani banks is averaged to be 80%, over the period from 1998 until 2010. Over the same period, the structural reforms had a positive impact on Pakistani banking efficiency. Our findings show that Islamic banks and domestic private banks are more efficient than state-owned banks. Similar results were reported by Patti and Hardy (2005); Rizvi (2001), Matthews (2010) and Burki and Ahmad (2010). Furthermore, analysis suggests that differences in cost efficiency of Islamic banks in comparison to conventional banks is not statistically significant. In order to enhance Pakistani banking efficiency further, the State Bank of Pakistan should initiate better risk management policies. Furthermore, enhanced corporate governance and competition among banks could lead to an increased efficiency
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مولانا شاہ محی الدین پھلواروی

حضرت مولانا شاہ محی الدین پھلواروی امیر شریعت بہار
پھلواری پٹنہ سے چند میل پچھم ایک مردم خیز قصبہ ہے، جو صدیوں سے اس صوبہ کا علمی اور مذہبی مرکز ہے، یہاں خانقاہ مجیبی قائم ہے، جہاں ظاہر و باطن اور علم و عمل دونوں کے سرچشمے آکرملتے ہیں، اس خانقاہ کی خاص خصوصیت یہ ہے کہ شروع سے اب تک اس کے سجادہ نشین علم شریعت و طریقت دونوں کے جامع رہے ہیں، یعنی ہر صاحب سجادہ صوفی صافی ہونے کے ساتھ عالم دین بھی ہوتے آئے ہیں، دستار فضیلت اور خرقہ مشیخت دونوں یہاں ایک جسم پر آراستہ رہے ہیں، اور اب دو پشتوں سے یہاں کے صاحب سجادہ صوبہ کے امیر شریعت بھی ہورہے ہیں، شاہ عبدالعزیز صاحب محدث دہلوی کے ملفوظات میں اس خاندان کے معاصر شیخ کا تذکرہ مدح کے ساتھ آیا ہے، مولانا شاہ اسمٰعیل شہید نے اپنے سفر بہارو بنگال میں اس خانقاہ میں بھی قدم رنجہ فرمایا۔
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مجھ ہیچمدان کو مرحوم سے گوناگوں تعلقات حاصل تھے، میرے والد مرحوم نے ان کے والد مرحوم کے ساتھ ان کے نانا حضرت شاہ علی حبیب صاحب قدس سرہ سے فیض ارادت اور تکمیل باطن حاصل کی تھی، میرے والد مرحوم کی پیدائش ۱۲۵۷؁ھ میں ہوئی تھی، اور اخذ و فیض و استفادہ جوانی میں شروع کیا، جس کے معنی یہ ہیں، کہ اس واقعہ پر اسی (۸۰) نوے (۹۰) برس گذر...

تفسیر نجوم الفرقان کے فقہی طرز استدلال کا تجزیاتی مطالعہ

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Distribution and Management of Thrips Tabaci Lindeman Thysanoptera: Thripidae on Onion Allium Cepa in Selected Districts of Khyber Pakhtunkhwa Province, Pakistan

Onion (Allium cepa L.) is among the cash vegetable crop grown in Khyber Pakhtunkhwa Province, Pakistan. Onion thrips (Thrips tabaci) is the main problem on onions crop which results great losses. However infestation of this pest could be kept below economic injury level with the help of integrated pest management practices. In this connection, firstly field surveys were conducted in the selected onion growing districts of Khyber Pakhtunkhwa Province, Pakistan and recorded infestation/ population of T. tabaci. Highest numbers (57.59) nymphs plant-1 and (15.39) adults thrips plant-1 were recorded in district Swat while lowest (22.37) nymphs plant-1 and (9.69) adults thrips plant-1 were in district Peshawar (East. Part). Regarding the average number of both (nymphs and adults) plant-1, highest (36.49) thrips plant-1 were recorded in district Swat and lowest (16.03) thrips palnt-1 were in district Peshawar (East. Part). Eight onion cultivars (Ambika, Swat-1, Trichmir, Barkel, Macarena, Red ball, Granada Red and Sunset were assessed to determine the most tolerant cultivar against T. tabaci infestation. The results showed that T. tabaci infest all the cultivars more or less, however cultivar Swat-1 showed to be the most tolerant against T. tabaci infestation as well as proved to be a high yielding cultivar among the others. Highest plant height (64.35cm) was observed in cultivar Trichmir and lowest (38.40cm) was observed in Macarena. Highest (13.07) number of leaves plant-1 was recorded in Trichmir and lowest (7.66) was recorded in Granada red. Trichmir was (94.04%) the most succulent cultivar followed by Sunset (91.38%) and Swat-1 (86.49%), Ambika (87.21%) was least succulent cultivars. The maximum yield (18.56 tons ha-1) was obtained from Swat-1 and minimum was from Ambika (9.34 tons ha-1). The studies on Population dynamic revealed that T. tabaci remained a regular pest on onion during the onion growing seasons. The average peak populations were recorded (54.75 thrips plant-1) during the month of April. Population model using the meteorological data showed that average air temperature have a positive correlation with thrips population. The efficacy of Polytrin C® 440 EC (Profenofos + Cypermethrin) and three botanicals extracts (Azadirachta indica, Parthenium hysterophorus and Datura alba) and a combination of selected dose of synthetic insecticide with each botanical were assessed against T. tabaci on onion crop. All the botanicals extracts significantly control T. tabaci at various degrees over the control (untreated plots). Regarding the yield of onion bulbs, synthetic insecticide along with the combination of (half dose of insecticides along with half dose of each botanical) gave the highest yield followed by botanicals as compared xv to control (untreated plots). Results obtained from the laboratory experiments showed that, female western flower thrips Frankliniella occidentalis feed more and caused more feeding damage than that of males. Feeding damage caused by female F. occidentalis increased significantly as the numbers of female leaf-1 disc was increased. Azadirachta indica oil is significantly less effective than Conserve® (spinosad) in killing F. occidentalis. All the concentrations of neem oil significantly deterred F. occidentalis feeding when compared to controls treated with Tween or water. The botanicals Azadirachta indica, Parthenium hysterophorus and Datura alba extracts tested were as effective as Conserve® (spinosad) in killing F. occidentalis. All the botanicals extracts significantly reduced F. occidentalis feeding when compared to the water control. As expected given the very high mortality caused, the least feeding damage was found on spinosad treated leaf discs. Response of Orius laevigatus to chemical insecticide Conserve® (Spinosad) and botanicals extracts on the predation of T. tabaci showed that Conserve® caused negative response to both O. laevigatus and T. tabaci while there were no negative or mortality effects of botanicals extracts on O. laevigatus. The O. laevigatus consumed more T. tabaci in leaf discs treated with water followed by D. alba, A. indica and P. hysterophorus. Botanicals pesticides offer a safer alternative to using synthetic chemicals and have less or no impact on the environment and biological control agent of T. tabaci as well as botanicals can prevent pest resurgence. These findings encourage the use of botanicals extract which is pollution free approaches for onion thrips control.