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Home > The Role of Microfinance in the Context of Islamic Banking: A Study of the Products Offered by Banks in Pakistan

The Role of Microfinance in the Context of Islamic Banking: A Study of the Products Offered by Banks in Pakistan

Thesis Info

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External Link

Author

Rashid, Mahboob-Ur-

Program

PhD

Institute

University of Peshawar

City

Peshawar

Province

KPK

Country

Pakistan

Thesis Completing Year

2012

Thesis Completion Status

Completed

Subject

Management Sciences

Language

English

Link

http://prr.hec.gov.pk/jspui/handle/123456789/1266

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676725130780

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This research was conducted to find out the impact of microfinance programs, in the context of Islamic banking. To achieve this objective, a sample of one hundred (100) respondents was chosen randomly, which consists of highly qualified employees working in financial organizations, such as the top management of these organizations. Four types of variables were examined in the data collection process. The first type was dependent variables that included transformation of the Microfinance institutions and the Islamic financial institutions. Holistic time frame, coordination among groups and resources were acting as Moderating variables. The third set of variables examined was the intervening variables. Intervening variables included growth model of microfinance and Islamic banking practices. The last set of variables, which included the accounting practices used by these organizations, conventional banking, microfinance institutions and the awareness level in the community, are considered as independent variables. The results show that, time span of organization in Islamic banking, organizational success, offerings of microfinance services and the reasons for not exploring their potential in microfinance are all significant in their effects. Similarly the necessity of awareness programs, technological change, assistance from other MFIs, designing new accounting procedures are all statistically significant in its effect. Moreover, the impact of microfinance under the Islamic banking on improving the poor’s standard of living, equitable distribution of wealth and increasing employment opportunities are statistically significant. Similarly, integrating IMF within Islamic banking operations is also found to be statistically significant in its effect, because both have the same guiding rules. Similarly training and capacity building program were found significant, for the success of Islamic banking. Further results of the study show that less number of the people is trained in this respect. It is recommended to train the existing and future employees for success of IMF and integrate IB & MF, which will also help in equitable distribution of wealth in the society. xviiKey words: Islamic Banking (IB), Microfinance (MF), Islamic Microfinance (IMF), Conventional Banking, Organizational transformation, Training and Capacity building.
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شرم الشیخ سے قاہرہ واپسی

شرم الشیخ سے قاہرہ واپسی

دس بارہ گھنٹے کی طویل مسافت کے بعد شرم الشیخ سے قاہرہ پہنچے ۔کانفرس کے مندوبین مختلف مقامات پر بس سے اترتے گئے ۔دکتورمجید،دکتورہ رعشہ،دکتورہ شائمہ، دکتوریحی ٰ ایک ساتھ اترے ۔دکتورہ مونا جو الازہر یونیورسٹی میں اردو کی استاد ہیں جنھوں نے ڈاکٹر مبارک علی کی کتاب پاکستانی معاشرے میں گھٹن اور خواتین کے استحصال پر اپنا مقالہ پڑھا تھا ،جس پر سوال و جواب کے سیشن میں میری طرف سے شدید تنقیدی گفتگو ہوئی تھی اور کانفرس کے باقی ایام میں و ہ مجھ سے کنی کتراتی تھیں، نے بھی آج بس سے اترتے ہوئے چہرے پر خفیف سی مسکراہٹ لا کر آواز دی ’’اﷲ حافظ یا دکتورالطاف‘‘ دکتورہ بسنت کا گھر بھی ہماری رہائش سے پہلے آیا ،انھوں نے مجھے دکتورمحمود کے حوالے کیا اور خود اگلے دن شام کو ملنے کا وعدہ کر کے بس سے اتر گئیں ۔دکتورہ ایمان کو لینے ان کے بھائی وقت پر نہ پہنچ سکے تو ہمارے ساتھ ٹیکسی میں سوار ہو گئیں ۔ایمان کا گھر عسکری فلیٹس میں تھا جہاں قدرے خوشحال لوگ رہتے تھے ،میں نے پوچھا کہ آپ کے شوہر فوج میں ہیں ؟اس نے کہا نہیں وہ سعودی عرب میں ملازمت کر رہے ہیں ۔باقی عربوں کی نسبت مصری زیادہ ہنر مند اور جفا کش ہوتے ہیں ۔ان کا المیہ یہ ہے کہ دورِ فراعنہ سے لے کر عصرِحاضر تک مطلق العنانی اور مارشل لائی طرز حکمرانی نے حاکموں کو مالدار اور عام مصریوں کو غریب تر بنا دیا ہے ۔

حديث ابن عمر في المبيت في مِنَى: دراسة حديثية تحليلية

تهدف الدراسة لتحليل حديث ابن عمر -رضي الله عنهما- في المبيت في مِنَى، والذي يعدُّ أصلا في مسألة المبيت ودارت عليه فتاوى الائمة الفقهاء. اتبع الباحث منهجاً واضحاً في إعداد تمثل في عزو الايات القرآنية لسورها، وتخريج الأحاديث من كتب السنة المعتبرة، والاستعانة بأقوال العلماء وشراح الحديث في فقه الحديث وشرحه، وعزو الأقوال لمصادرها الأصلية ما وسعني ذلك، أو بواسطة عند الحاجة. وتوصلت الدراسة إلى مجموعة من النتائج أهمها وجوب المبيت بمنى على الحاج، ومَن ترك المبيت ليلة فلا شيء عليه، ومن ترك المبيت بالكلية فيلزمه دم لتركه منسكا من المناسك، ومَن لم يجد مكانا بمنى فيبيت بأقرب مكان لها مراعاة لاتصال الحجيج. الكلمات المفتاحية: حديث ابن عمر، المبيت في مِنى، اركان الإسلام، السيرة النبوية، السنة النبوية.

Functional and Technological Properties of Mozzarella Cheese Prepared from Cow and Buffalo Milk

Pakistan is amongst the top five milk producing countries of the world but yet the introduction of value added dairy products is lacking. A three year research project (2006‐09) was planned and initiated in Dairy Technology Laboratory of National Institute of Food Science and Technology (NIFSAT), University of Agriculture, Faisalabad‐Pakistan to assess the effect of milk sources (cow and buffalo), starter cultures (indigenous and commercial) and milk fat levels (1.5% and 2.5%) and ripening period on different physico‐chemical characteristics of Mozzarella cheese. Standardized buffalo milk contained more protein (3.71%), casein (2.85) and lactose (4.88%) content as compared to the mixture of cow and buffalo milk protein (3.53), casein (2.79) and lactose (4.79%). The pH and acidity of all milk samples varied from 6.62 to 6.64 and 0.13 to 0.14%, respectively. The calcium content of buffalo milk was higher than that of mixture milk. Cheese prepared from these milk sources and was analyzed for composition, mineral contents, organic acid, functionality, sensory and proteolysis at prescribed intervals. Buffalo milk cheese contained significantly higher protein, ash, Na, Ca and P content but contained significantly lower moisture content than cheese from mixture milk. There was more firmness in buffalo milk cheese than mixture milk cheese. The milk fat level significantly affected the cheese chemical composition. The moisture, protein, Ca and P content observed higher in low fat milk cheese as compared to high fat milk cheese. Mozzarella cheese prepared from locally isolated starter cultures possessed significantly higher moisture and acidity content, as compared to commercial culture cheese. The protein and pH were lesser in cheese that is primed from indigenous culture as compared to commercial culture. The effect of culture on fat, ash, salt and mineral contents was found to be nonsignificant. All the organic acids were significantly affected by the ripening periods. The fat levels significantly effected the concentration of lactic and citric acid but the formic and pyruvic acid was found to be non‐significant due to milk fat level. The functional properties (free oil, flowability, stretchability and melt time) of Mozzarella cheese were significantly affected by the ripening period and fat level. The free oil formation and flowability increased from 20.35% to 29.99% and 17.63% to 48.10%, respectively during ripening period. The stretchability of cheese first increase up to 40 days of ripening (35.31 to 49.59 cm) and then decreased (43.75 cm) at 60 day. The low fat cheese had lower free oil 15.74% and flowability 29.81% as compared to high fat cheese. The stretchability is more in low fat cheese (47.15cm) in comparison to high fat cheese (40.41cm). The low fat milk cheese took more time to melt (135.8 sec) as compared with high fat milk cheese (119.8 sec). The expressible serum was significantly affected by the ripening period and fat levels. There was a decrease in expressible serum from 22.63g/100g to 3.85g/100g during ripening. The serum was recorded more in high fat cheese as compared to low fat cheese. Similarly low fat cheese was more firm (332.50 N) than high fat cheese (284.85 N) and commercial cultured cheese was relatively more firm (312.36N) as compared to indigenous cultured cheese (304.39N). The assessment of sensory texture of Mozzarella cheese during the ripening exhibited that all the cheese samples became significantly less firm over time as indicated by sensory measurement. All the sensory parameter such as hand firmness first bite firmness, chewdown degree of break down , and chew down smoothness 54 were significantly affected by the fat levels in milk but the other factor such as milk source and the starter culture did not affect these parameters significantly. There was a decrease in extent of blistering with the progressive ripening and increase in flavour, oiling and shred fusion was observed.