The statistics reveal that internet technology in the banking sector has introduced the internet banking (IB) product/service in Pakistan during year 2001 but the majority of the banking customers are the non-users of IB. This highlights the research need for identifying and validating the factors responsible for IB adoption in Pakistan. The technology acceptance model (TAM) has detained the most attention in determining the acceptance behavior of Information technology (IT). Despite the TAM validity and maturity in various contexts, there are few studies which have strived to extend the TAM capability to identify the individuals’ acceptance behaviour about the online/IB technology. Therefore, the present study has proposed and integrated external factors, namely perceived security, trust, website design, and product knowledge in TAM which reflects the banking customers concerns in the acceptance of IB in Pakistan. The questionnaire was adopted from the existing literature and modified for the data collection from the representative sample of 1,050 banking customers (non-users of IB) of Islamabad and Rawalpindi, Pakistan through convenience sampling. After preliminary data analysis, the sample size reduced to 886 with the final response rate of 84.38%. Primary data analysis was conducted through Statistical Package of Social Sciences (SPSS) whereas Structural Equation Modelling (SEM) through Analysis of a Moment Structures (AMOS) was employed to explore the inter-correlations of the proposed constructs. The study empirical results indicated that all hypothesized relationships of perceived security, trust, website design, and product knowledge with perceived ease of use and usefulness are true and significant in the extended form of the TAM. Theoretically, the present research has confirmed the applicability of the TAM in investigating IB adoption in Pakistan. The findings of the study emphasized banks'' decision makers to formulate strategies that may boost the adoption of internet banking in Pakistan. Security strategic and proactive approach may address the security concern and improves the customers'' trust. Moreover, redesigning of the internet banking product/service is required according to Pakistani social context and customer requirements for addressing the website concern. Effective advertisement and customer relationship management may enhance the product knowledge of the banking customers.
ایک حادثہ المناک]مولانا ظفر احمد خاں[ ۱۳؍دسمبر ۱۹۷۹ء جمعرات کی شب میں ایک بجے مولانا محمد ظفر احمد خاں صاحب رحلت فرماگئے۔ اناﷲ واناالیہ راجعون۔ ۱۹۳۸ء میں یہ ادارہ قائم ہوا۔ مولانا مرحوم ۱۹۳۹ء میں ندوۃ المصنفین میں بحیثیت کارکن ومنیجر تشریف لائے۔ موصوف کارسالہ برہان اورادارہ ندوۃ المصنفین سے دیرینہ تعلق تھا۔مرحوم کا حضرت مفتی صاحب سے تعلق چالیس ۴۰ سال رہا۔ اوراسی دوران جب سے دفتر کی ذمہ داریاں میرے سپرد کی گئی تھیں وہ ۱۹۶۸ء تھا، زیادہ تراسی وقت سے میرا مرحوم سے قُرب رہا۔موصوف پُرخلوص نیک دل انسان تھے اور وفاداری ان کے مزاج میں بے پناہ پائی جاتی تھی۔موصوف اپنی خود ایک مثال تھے۔ادارہ ندوۃ المصنفین کے وفادار اورایک اعلیٰ معیار کے کارکنوں میں ان کاشمار تھا۔مولوی صاحب میرے لیے سہارا اور ڈھارس تھے کیونکہ مجھ کو اُن سے حوصلہ افزائی اور تقویت حاصل تھی۔ مولوی صاحب کی جدائی میرے واسطے ایک بھیانک انقلاب ہے۔مجھ کویہ دلی صدمہ پہنچا ہے دعافرمائیں کہ مزید ذمہ داریاں سنبھالنے کی اﷲ تعالیٰ مجھ کو بہترین صلاحیتوں سے نوازدیں۔آمین ثم آمین۔ مولوی صاحب اس جہانِ فانی سے رخصت ہونے کے چھ گھنٹے قبل تک رسالہ برہان کاکام انجام دیتے رہے۔ [منیجر ندوۃ المصنفین دہلی، جنوری ۱۹۸۰ء]
Pakistan emerged on the map of world in 1947 as an Islamic state on the basis of two nation theory. Islam was the main binding force behind that unprecedented successful struggle. The inherent education system of Pakistan was greatly influenced by British and Indian education system. Since independence, various education policies and plans were formulated to align our education system with our philosophical foundation. During period 1983-1998, population education was integrated in school curriculum in three phases. The main objective of study was to evaluate the objectives of curricula on basis of Islamic philosophy. This study was delimited secondary school curriculum for class 1-10. The researcher used document analysis and expert review. The data obtained were tabulated, analyzed and interpreted statistically. The findings of study revealed that Population education remained a controversial area among curriculum developers.
This research work explores the Impact of leverage, performance and efficiency measures
on Market value added (MVA) using data of 120 firms listed on Pakistan Stock Exchange for a
period of 6 years from 2011 to 2016. The main focus of this study is on manufacturing sector
only because manufacturing sector is the major in the gross domestic product (GDP) of Pakistan.
In this study leverage is found to be significant with MVA, similar results were found in regards
to all performance measures e.g. Economic Value added (EVA), Return on Equity (ROE),
Return on Capital Employed (ROCE) and Earning per share (EPS). Whereas, efficiency measure
i.e. Sales to capital employed (SOCE) is insignificant contrary to Sales to Fixed assets (SOA)
which is found to be significant with MVA. Contribution of this research will help the investors
for decision making about investments in Pakistani firms.