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Islamic Vs Conventional Banking in Pakistan Financial Performance Evaluation Using ?M-Scales?

Thesis Info

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Author

Atif Ali Javed

Institute

Virtual University of Pakistan

Institute Type

Public

City

Lahore

Province

Punjab

Country

Pakistan

Thesis Completing Year

2017

Thesis Completion Status

Completed

Subject

Software Engineering

Language

English

Link

http://vspace.vu.edu.pk/detail.aspx?id=134

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676720975123

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Purpose: The purpose of this research study is to evaluate and explore the financial performance of Islamic and conventional banks in Pakistan. The study discovers the effecting variable(s) on the financial performance of banking sector of Pakistan. The research study has conducted an analysis using ?M-SCALES? for Islamic and conventional banking sector. Methodology/Design/Approach: Primary and secondary data collection is applied to gather the data. A primary data based study from 105 respondents from Islamic and conventional banking executives/advisors has been conducted to collect data for ?Shariah Compliance? variable on 5-point likert scale. Secondary data collected for CAMELS model from financial reports of selected banks. ROA and ROE are used as a proxy for performance. 2-Stage Least Square (2-SLS) model is used to investigate the relationship between financial performance and CAMELS approach, with Shariah Compliance as an instrumental variable. Findings: The study concludes that there is a statistically significant relationship among earnings, sensitivity and performance (ROA and ROE) of banking sector. The study also found significant relation between ROE and asset quality. The F-statistic being significant indicates reasonable overall fit at the 5% level of significance for both models. Research Limitations: Islamic banking industry have limited banks operating in Pakistan and from six (6) banks we have limitisizaed to five (5) Islamic banks due to the Burj Bank has been merged into Al Baraka Bank Pakistan effective 1st November, 2016. MCB Islamic Bank Limited added with 8 branches as of 30 June, 2016. Managerial Implications: The study assist investor?s and decision making authorities of domestic and international banks to have a better look of Islamic banking and conventional sector banks performance.
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دور اُن سے دہر کی ساری بلائیں ہو گئیں


دُور اُن سے دہر کی ساری بلائیں ہو گئیں
جن کی قسمت میں مدینے کی فضائیں ہو گئیں

ہم کو پہلے مل گئے رب کی عطا سے مصطفی ؐ
مصطفی ؐ کی ہم پہ پھر ساری عطائیں ہو گئیں

آمدِ محبوبِؐ ربِّ العالمیں کے فیض سے
فیض یابِ نعمتِ رب ساری مائیں ہو گئیں

عرش پر بھی بہرِ امت در گزر کی اِلتجا
فرش پر بھی ’’ربِّ ھب لی‘‘ کی دُعائیں ہو گئیں

سبطِ پیغمبر پہ جاں کچھ اس طرح قربان کی
حضرتِ عباسؓ پر قرباں وفائیں ہو گئیں

فاتحِ مکہ کا وہ اظہارِ امن و آشتی
محوِ حیرت امن کی سب فاختائیں ہو گئیں

آپؐ کا سجدئہ محشر کام آیا اُس گھڑی
پیشِ داور عاصیوں کی جب خطائیں ہو گیئں

گنگ لہجوں کی صدا آقاؐ عطا ہوں مدحتیں
مسکرا کے آپؐ نے فرمایا! ’’جائیں ہو گئیں‘‘

مَزرعِ ہستی پہ بارِش ہو گئی انوار کی
ظلمتیں مٹتی گئیں عرفاںؔ! ضیائیں ہو گئیں

مولانا ابو الکلام آزاد‌ کا تفسیری اسلوب: سورة الکہف کا خصوصی مطالعہ

Since about the middle of the 19th century, numerous attempts have been made by Muslim  scholars to interpret the Qur’ān  to the modern world. By far the largest output of literature produced in this connection, whether in the form of commentaries, critiques or articles in periodical, has been in Urdu, English and Arabic. But whatever the medium of expression employed, the net result is still is far from satisfactory.               Moulana Abul Kalam Azad (1888-1958) was one of the most notable Muslim figures in Sub-continent. The Tarjuman-al-Qur’ān  is regarded on all hands as his main contribution to Islamic learning. His original plan was to prepare side by side two companion volumes to this great of his, one entitled Tafsir-al-Bayana affording a detailed commentary of the Qur’ān, the other entitled Muqaddima, to serve as prolegomena to the Tarjuman -al-Qur’ān. The circumstances of his life did not allow him the time that he needed to execute the two projects. Moulana Azad, s thinking and philosophy about commentary of the Qur’ān  is very clear: ''Explain the Qur’ān  in the manner of the Qur’ān ''.                This paper attempts to enlighten many aspects of Moulana Azad, s commentary of Surat-al-Kahaf and explores his contribution and Comparative Analysis for other selected Urdu Tafasir of his era.

Increasing Rice Productivity Through System of Rice Intensification Sri at District Swat

System of rice intensification (SRI) has been recently developed in which during the vegetative growth period, soil is kept in moist condition after transplanting young seedling singly in square pattern with spacing 25 × 25 cm2. SRI is gaining recognition by farmers of many rice growing regions of the world for raising their rice productivity under limited water supply. However information on (SRI) is limited in Pakistan. Therefore, an on- farm study was conducted during 2010 and 2011 with an objective to access the performance of different chemical fertilizers on three local rice varieties under SRI and conventional management practices at Agricultural Research Institute (North) Mingora (Swat). The experiment was laid out in randomized complete block design (RCBD) with split plot arrangement and three replications. The two cultural practices, i.e., (1) SRI: transplanting 15 days old single seedling in a square arrangement with 25 × 25 cm2 spacing, and during the vegetative growth period, keeping the soil in moist condition, and (2) Traditional management practices, and having three rice cultivars and the names were (1) Dilrosh-97, (2) JP-5, and (3) Fakhre Malakand were assigned to main plots, whereas the fertilizer treatments were assigned to sub-plots (4m × 5m). Treatments of fertilizer were comprised, T1 = Control, T2 = 100-0-0-0 kg N-P2O5-K2O-Zn ha-1, T3 = 100-60-0-0 kg N-P2O5-K2O-Zn ha-1, T4 = 100-60-40-0 kg N-P2O5-K2O-Zn ha-1, and T5 = 100-60-40-20 kg N-P2O5-K2O-Zn ha-1. Before transplanting the phosphorous and potassium and half of the nitrogen fertilizers were incorporated into the soil. 7-10 days after transplanting zinc was applied,and the remaining half of N and P was applied in two equal splits at 25-30 days and 45-55 days after transplanting.The results showed statistically significant increase in panicles plant-1 number,tillers plant-1 number, height of plant, length of panicle, number of grains panicle-1, biological yield, paddy yield,thousand-grain weight,harvest index and dry weight of plant enhanced by 9.4%, 8.9%, 10.3%, 9.9%, 9.6%, 6.9%, 4.4%, 1.3%, 9.3% and 15.6% respectively under SRI as compared to the conventional cultivation practices. Among rice varieties Fakhre- Malakand outperformed the other rice varieties under the SRI practices. Similarly, compared to control, T5 improved panicles plant-1 number,height of plant, tillers plant-1 number , length of panicle, number of grains panicle-1, hilum yield, paddy yield, harvest index, thousand-grain weight and dry weight of plant of rice by 38.6%, 37.9%, 34.4%, 37.7%, 40.1%, 12.4%, 39.0%, 21.9%, 39.5%, and 66.1% respectively. It may be concluded from the study that system of rice intensification is a better method for rice cultivation as water accessibility is the major problem in rice production at district Swat. Furthermore, rice variety, Fakhre Malakand proved to be a suitable variety under SRI management practice and may be used to obtain higher rice production, where availability of irrigation water is limited.