Template-Type: ReDIF-Article 1.0
Author-Name: Shehzadi Younis
Author-Workplace-Name: The Islamia University of Bahawalpur, Pakistan.
Title: The Impact of Financial Security, and Religious Values on Customer Satisfaction in Islamic Banking
Publication-Status: Published
Abstract: This research explored how customers perceive Islamic banking services in Bahawalpur city, drawing on data collected through 339 structured questionnaires and analyzed using SPSS. The study highlights a strong connection between key factors and customer attitudes, offering practical insights for managers seeking to improve satisfaction and strengthen their competitive position in a dynamic market. Emphasizing the importance of ethical conduct, adherence to religious values, and enhanced security, the findings suggest actionable strategies for banks to build trust, loyalty, and advocacy among their customers. Additionally, the research sheds light on the challenges and opportunities in shaping positive perceptions, providing a framework for better marketing and resource allocation. By addressing customer needs effectively, Islamic banks can foster deeper relationships and create sustainable growth. This study offers valuable guidance for banking professionals aiming to navigate the evolving financial landscape and meet the expectations of their customers.
Keywords: Customer Perceptions; Islamic Banking; Customer Satisfaction; Ethical Practices; Market Competitiveness
Journal: iRASD Journal of Finance
Pages: 01 - 09
Volume: 2
Issue: 1
Year: 2023
Month: December
DOI: 10.52131/jof.2023.0201.0006
File-URL: https://journals.internationalrasd.org/index.php/jof/article/view/3013
File-Function: Abstract page
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File-URL: https://journals.internationalrasd.org/index.php/jof/article/download/3013/1950
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Handle: RePEc:rad:irdjof:v:2:y:2023:i:1:id:3013

Template-Type: ReDIF-Article 1.0
Author-Name: Zhou Ming
Author-Workplace-Name: University of Technology, Dalian, China.
Title: Analysis of Internet Finance Models and their Impact on Commercial Banking: A Review from Chinese Financial Sector
Publication-Status: Published
Abstract: Internet technology has become a significant force in economic development, with its influence permeating the financial industry. The ability of internet enterprises to provide financial functions is key to their entry into the financial sector. This study examines internet finance models and representative cases from a financial function perspective, revealing how internet finance expands traditional financial boundaries, leading to rapid liability shifts, asset-side competition, and challenges in the payment sector for commercial banks. With evolving consumer financial behaviors, commercial banks must undergo reform to remain competitive.
Keywords: Internet Finance; Commercial Banks; Financial Functions; Financial Efficiency
Journal: iRASD Journal of Finance
Pages: 10 - 14
Volume: 2
Issue: 1
Year: 2023
Month: December
DOI: 10.52131/jof.2023.0201.0007
File-URL: https://journals.internationalrasd.org/index.php/jof/article/view/3014
File-Function: Abstract page
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File-URL: https://journals.internationalrasd.org/index.php/jof/article/download/3014/1951
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Handle: RePEc:rad:irdjof:v:2:y:2023:i:1:id:3014

Template-Type: ReDIF-Article 1.0
Author-Name: Hina Qamar
Author-Workplace-Name: The Islamia University of Bahawalpur, Pakistan
Title: The Impact of Trade Openness on Pakistan's Economic Trajectory: Lessons in Stability and Growth during Financial Crises
Publication-Status: Published
Abstract: The primary objective of this research is to assess the influence of trade liberalization on Pakistan's economic trajectory over the period from 1980 to 2022. The study employs the Autoregressive Distributed Lag (ARDL) model to evaluate the statistical significance of specified variables. The analysis reveals a positive long-run relationship between Trade Openness and GDP Per Capita. Furthermore, the ARDL technique indicates that all model variables are statistically significant in the short run at the 5% level. In the long run, however, Trade Openness, Broad Money, Labor, and Final Consumption Expenditure retain significance, while Capital and Inflation Rate are found to be statistically insignificant at the 10% level. Based on these findings, it is recommended that policymakers focus on enhancing labor productivity and capital efficiency to stimulate growth. Additionally, measures should be adopted to provide strategic protection to high-value-added domestic industries and to encourage export-oriented production. Inflation control measures, particularly price stabilization for essential goods, are deemed pivotal for achieving sustained economic growth. Finally, effective regulation of the money supply and the efficient functioning of financial intermediaries are crucial for directing resources toward productive investments and mitigating the negative impacts of broad money on long-term growth. Successful adoption of these policy prescriptions is necessary to maximize the benefits of trade liberalization and secure sustainable economic expansion for Pakistan.
Keywords: Financial Intermediation; Trade Liberalization; Economic Growth; Labor Productivity
Journal: iRASD Journal of Finance
Pages: 15 - 26
Volume: 2
Issue: 1
Year: 2023
Month: December
DOI: 10.52131/jof.2023.0201.0008
File-URL: https://journals.internationalrasd.org/index.php/jof/article/view/3015
File-Function: Abstract page
File-Format: text/html
File-URL: https://journals.internationalrasd.org/index.php/jof/article/download/3015/1952
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Handle: RePEc:rad:irdjof:v:2:y:2023:i:1:id:3015

Template-Type: ReDIF-Article 1.0
Author-Name: Maheen Rafiq
Author-Workplace-Name: The Women University Multan, Pakistan.
Author-Name: Khizra Perveen
Author-Workplace-Name: The Women University Multan, Pakistan.
Title: Financial Accessibility and Inclusion for Disabled People in Pakistan
Publication-Status: Published
Abstract: Disabled people in Pakistan represent a substantial yet often overlooked segment of the population, frequently excluded from formal financial systems. This exclusion not only limits their economic opportunities but also reinforces cycles of poverty. The present study investigates the state of financial inclusion for Disabled people through a mixed-methods approach, collecting primary data from 60 individuals in Bahawalpur, Punjab, and Multan. A Financial Inclusion Index (FII), developed using Principal Component Analysis (PCA), reveals that only 16 participants have access to formal financial services. Key barriers identified include insufficient infrastructure, high service costs, and widespread distrust toward financial institutions. Further, a One-way ANOVA analysis shows no significant differences in financial exclusion between semi-urban and urban settings, highlighting a pervasive accessibility challenge across regions. The findings emphasize the urgent need for targeted policies and interventions to remove structural obstacles, empowering Disabled people to participate fully in economic life rather than remain dependent beneficiaries.
Keywords: Financial Inclusion; Disabled Person; Barriers to Access; Economic Empowerment
Journal: iRASD Journal of Finance
Pages: 27 - 33
Volume: 2
Issue: 1
Year: 2023
Month: December
DOI: 10.52131/jof.2023.0201.0009
File-URL: https://journals.internationalrasd.org/index.php/jof/article/view/3016
File-Function: Abstract page
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File-URL: https://journals.internationalrasd.org/index.php/jof/article/download/3016/1953
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Handle: RePEc:rad:irdjof:v:2:y:2023:i:1:id:3016

Template-Type: ReDIF-Article 1.0
Author-Name: Manzar Waseem
Author-Workplace-Name: COMSATS University Islamabad.
Author-Name: Khalid Waseer
Author-Workplace-Name: COMSATS University Islamabad.
Title: Navigating Foreign Direct Investment in Pakistan: Opportunities, Obstacles, And the Critical Role of Financial Transparency
Publication-Status: Published
Abstract: This study digs into what really drives Foreign Direct Investment (FDI) in Pakistan. It looks at things like economic growth, job creation, political stability, financial transparency, and the hurdles companies face with regulations. Researchers surveyed 130 company managers across Pakistan, asking how they see FDI shaping their investment choices. The results are pretty clear. Managers see economic growth and job creation as the biggest wins from FDI—economic growth scored an average of 4.32, while job creation came in at 4.12. When it comes to what builds investor confidence, political stability (4.20) and especially financial transparency (4.61) matter most. But there’s a flip side: corruption (4.23) and regulatory gaps (4.58) stand out as serious roadblocks. These issues make it tough to achieve real transparency and pull in more foreign investment. When you stack these findings up against international research, the message is the same everywhere: investors want clear financial reporting, stable politics, and straightforward, supportive policies. The takeaway? If Pakistan really wants to unlock more FDI and boost its long-term economic growth, it needs to tackle corruption head-on, tighten up its regulatory systems, and make financial transparency a top priority.
Keywords: Cryptocurrency Volatility; Stock Market Co-movement; Hedge Effectiveness; Volatility Spillover; Logistic Regression
Journal: iRASD Journal of Finance
Pages: 34 - 39
Volume: 2
Issue: 1
Year: 2023
Month: December
DOI: 10.52131/jof.2023.0201.0010
File-URL: https://journals.internationalrasd.org/index.php/jof/article/view/3017
File-Function: Abstract page
File-Format: text/html
File-URL: https://journals.internationalrasd.org/index.php/jof/article/download/3017/1954
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Handle: RePEc:rad:irdjof:v:2:y:2023:i:1:id:3017