Browsing by Author "Sadia Yasmin"

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    Augmenting disaggregated output growth through Islamic bank financing optimization
    (UMT, Lahore, 2024) Sadia Yasmin
    Finance is widely regarded as vital to the functioning and vitality of an economy, playing a crucial role in driving a nation's progress and maintaining its stability. However, this perception has been called into two propositions, (1) ‘More finance more growth’ formed U-shaped profile and (2) ‘too much finance harm economic growth’ formed inverted U-shaped profile. Available literature has presented inconsistent results by solely considering a single indicator of total Islamic financing either on heterogenous or homogenous group of countries. Since the setoral composition of every country is different, therefore financing can impact differently. To fill the gap, this study has been conducted on a developed islamic banking market of Malayisa and a developing market of Pakistan by decomposing Islamic bank financing into two distinct components: Islamic producer financing and Islamic consumer financing. By using quarterly data from 2010:Q1 to 2020:Q4, this study places special emphasis on examining the nonlinear impacts of financing on disaggregated output growth. Based upon quantitative time series analysis, this study has employed autoregressive distributive lag (ARDL) with nonlinear specifications. The estimated coefficients further plotted to visualize the relationship moderation between financing and growth in the economy by using Dawson (2014) approach. Empirical estimations provided different outcomes of relationship moderation based upon each model of the study and further proposes the notion of ‘more optimized finance, more growth’.
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    Augmenting disaggregated output growth through Islamic bank financing optimization
    (UMT, Lahore, 2024) Sadia Yasmin
    Finance is widely regarded as vital to the functioning and vitality of an economy, playing a crucial role in driving a nation's progress and maintaining its stability. However, this perception has been called into two propositions, (1) ‘More finance more growth’ formed U-shaped profile and (2) ‘too much finance harm economic growth’ formed inverted U-shaped profile. Available literature has presented inconsistent results by solely considering a single indicator of total Islamic financing either on heterogenous or homogenous group of countries. Since the setoral composition of every country is different, therefore financing can impact differently. To fill the gap, this study has been conducted on a developed islamic banking market of Malayisa and a developing market of Pakistan by decomposing Islamic bank financing into two distinct components: Islamic producer financing and Islamic consumer financing. By using quarterly data from 2010:Q1 to 2020:Q4, this study places special emphasis on examining the nonlinear impacts of financing on disaggregated output growth. Based upon quantitative time series analysis, this study has employed autoregressive distributive lag (ARDL) with nonlinear specifications. The estimated coefficients further plotted to visualize the relationship moderation between financing and growth in the economy by using Dawson (2014) approach. Empirical estimations provided different outcomes of relationship moderation based upon each model of the study and further proposes the notion of ‘more optimized finance, more growth’. This study emphasized the significance of striking a balance and optimizing the level of finance to achieve maximum economic growth. Its primary objective is to ascertain the appropriate financial ceiling that effectively regulates financial activities, while also recognizing the criticality of threshold points for regulatory authorities. In both Pakistan and Malaysia, policymakers ought to reconsider the Islamic financial development policies to fully leverage the significant potential of the Islamic finance sector for economic growth. It is imperative to take further steps to liberalizing the Islamic financial system, thereby eliminating financial constraints, espacialy considering its connection to KIBOR in pakistan. The diminishing effect observed near the financing threshold underscores the need for meticulous attention and effective measures to be taken.
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    Factors Affecting Violent and Non-Violent Crime
    (UMT.Lahore, 2016) Sadia Yasmin
    The aim of this study is to explorethe factors which directly and indirectly affects violent and non-violent crime in Pakistan. Time series data set is taken for the period from 1981 to 2014. ARDL cointegration technique is applied to find long run cointegration between crime and its factors in Pakistan. The selected explanatory variables are household consumption, education, population density, unemployment, urbanization, poverty, investment and inflation. Our analysis provides evidence that inequality is unlikely to be a positive factor in determining property crime rates but does have a positive significant impact on violent crime. Household consumption, inflation and demographic variables found to be most consistent positively significant determinants of both types of crime. Education and investment have found to be more significant factors in reducing both violent and non-violent crimes in Pakistan. The study recommends that government should control the inflation. Moreover, education system should be improved and also provide more employment opportunities through investment in new projects, otherwise violent behaviour may promote due to frustrated educated persons in the country.