Dr Sana Fayyaz | University Utara Malaysia (original) (raw)
Papers by Dr Sana Fayyaz
ARTICLE DETAILS ABSTRACT History Revised format: May 2019 Available Online: June 2019 This paper ... more ARTICLE DETAILS ABSTRACT History Revised format: May 2019 Available Online: June 2019 This paper examines the role of availability of resources in the acceptance of e-training in the Nigerian civil service. Perceived ease of use (PEOU) and Perceived usefulness (PU) of Technology Acceptance Model (TAM) was used as the base for consideration Questionnaires were used to collect data from 450 heads of departments. The framework of the paper made up of technological infrastructure, internet facility, PEOU and PU was tested with SmartPLS 2.0 M3 software. This paper found both that PU and PEOU indicated strong predictive role in e-training acceptance. In addition, technological infrastructure was found significant. However, internet facility had in significant effect in etraining acceptance. This paper showed that availability of resources can help in the acceptance of e-training in the Nigerian civil service. This will help to improve the outlook and overall performance in the civil servi...
Center for Sustainabality Research & Consultancy, 2015
The issue of marginalisation of women in development, particularly in South Asia, has been highli... more The issue of marginalisation of women in development, particularly in South Asia, has been highlighted in the development literature. Women in this region are found to be generally poor, lack of education, and have a low quality of life, due to various economic and cultural reasons. Thus, unlocking the potentials of these women appears to be a plausible move as this could improve not only their income, but also their quality of life. One such initiative to unlock the potential of these women is microcredit program, where small loan is given to these women to enable them to embark on economic activities, which consequently improve their household income and quality of life. Indeed, there have been many studies that examine the relationship between microcredit and quality of life, and found that there is a positive relationship between microcredit and quality of life of the borrowers (women). However, most of these studies implicitly assume that the impact of microcredit on quality of life is direct, and hence, did not consider the role of other factors in evaluating the impact of microcredit on quality of life. Here, we argue that, the impact of microcredit on quality of life is not direct, but rather indirect. We believe personal empowerment does play an important role in influencing the impact of microcredit on quality of life. The mere availability of microcredit, in our view, did not guarantee a positive impact on quality of life. Rather, the availability of credit to borrowers affects their personal confidence, which consequently affects their level of quality of life. This paper discusses the theoretical framework by which these variablesmicrocredit, personal empowerment and quality of lifeare interrelated .
In presenting this thesis in fulfilment of the requirements for a postgraduate degree from Univer... more In presenting this thesis in fulfilment of the requirements for a postgraduate degree from Universiti Utara Malaysia, I agree that the Universiti Library may make it freely available for inspection. I further agree that permission for the copying of this thesis in any manner, in whole or in part, for scholarly purpose may be granted by my supervisor or, in their absence, by the Dean of Othman Yeop Abdullah Graduate School of Business. It is understood that any copying or publication or use of this thesis or parts thereof for financial gain shall not be allowed without my written permission. It is also understood that due recognition shall be given to me and to Universiti Utara Malaysia for any scholarly use which may be made of any material from my thesis.
Academic Journal of Social Sciences (AJSS ), 2021
Microfinance has become an eminent tool that is used by the poor women of community of Pakistan t... more Microfinance has become an eminent tool that is used by the poor women of community of Pakistan to upsurge turns and lessen paucity in developing countries specifically in Pakistan as well as all over the world. This study examines the family life of single mothers that belongs to the remote area to generate defensible returns, rescuing prospects, prolific resources, and satisfying crucial requirements in Bahawalpur, Pakistan. Data has been collected through Interview based on a Survey of 194 single mothers (divorcees, widows and separated) out of 400 women borrower’s in the District of Bahawalpur. The theory of human capital advocated that not only microcredit gradually relieving in their earnings but also trying to self-assured substantially highlights in age, education, economic decision making, marital status and number of kids among single mothers in Bahawalpur. Less over, results indicated a considerable progressive role of single mothers and provided significant practice and ...
The current study aimed to study the impact of dimensions of personal empowerment and microcredit... more The current study aimed to study the impact of dimensions of personal empowerment and microcredit upon the worth of life of women borrowers. This research originated to unlock the potential of a dimension of personal empowerment by way of social political and cultural awareness that has a significant role in improving the quality of life of women. While its dimension of freedom of movement found insignificant due to the prevailed strict patriarchal system, whereas substantial outcomes in respect of contrary to economic decision making illustrated the rigid socio-cultural norms of Pakistan. Therefore, for the sake of strengthening the business purpose, it is necessary that stepping the freedom of movement that leads to the quality of life of women.
This study attempts to understand how personal empowerment can be used to improve quality of life... more This study attempts to understand how personal empowerment can be used to improve quality of life in women and maintain sustainable economic development in Bahawalpur, Pakistan. It analyzed that personal empowerment is an important determinant for women improving their quality of life.It also put forth light on the linkage between the economic development and quality of life.This essay tries to fulfill this gap by expending the analysis on personal empowerment that seems to provide a practical solution to reduce poverty and to improve quality of life by unlocking the potentials of the poor women by polishing her ability in economic decision making, giving freedom of movement and awareness in political socio-cultural conditions.This raises the question whether personal empowerment also leads to better quality of life.Pragmatic substantiation on the relationship between personal empowerment and quality of life is done by doing multinomial logit model analysis. The survey has been cond...
ARTICLEDETAILS ABSTRACTS History Received : February RevisedFormat : March Accepted : April The p... more ARTICLEDETAILS ABSTRACTS History Received : February RevisedFormat : March Accepted : April The present study attempts to understand how personal empowerment can be used to improve quality of life in women and can maintain sustainable economic development. It analyzes that personal empowerment is an important determinant for women improving their quality of life. It also shed light on the linkage between the economic development and quality of life. This paper tries to fulfill this gap by expanding the analysis of personal empowerment that seems to provide a practical solution to reduce poverty and to improve quality of life. It can be done through polishing the ability of women in economic decision making, giving freedom of movement and awareness in political socio-cultural conditions.
ARTICLE DETAILS ABSTRACT History Revised format: May 2020 Available Online: June 2020 The present... more ARTICLE DETAILS ABSTRACT History Revised format: May 2020 Available Online: June 2020 The present research endeavors to see how Islamic microfinance can be utilized to expand happiness in females and keep up reasonable financial advancement in Southern Punjab, Pakistan. It will examine how the standards of Islamic microfinance help ladies in expanding their happiness. It additionally set forth light on the linkage between the monetary turn of events and satisfaction. The review will be led in Bahawalpur the State of Southern Punjab, Pakistan. It will likewise be viewed as that religion is definitely not a blocking component to the usage of Islamic microfinance. It will likewise accept that Islamic microfinance working together with the privilege financial and fiscal arrangements structure, will contribute emphatically to expand joy among ladies in Pakistan.
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In thi... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.
Indian Journal of Science and Technology, 2020
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In thi... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.
Cogent Economics & Finance
Agglomeration economies are the external benefits earned from clustering of industries and people... more Agglomeration economies are the external benefits earned from clustering of industries and people in cities. The study assumes unbridled clustering of population in emerging urban agglomerations turning economies into diseconomies. This study empirically investigates the heterogeneous socioeconomic impacts of agglomeration economies in selected cities of Punjab, Pakistan, from 1998 to 2018, using the Pooled Mean Group and the Mean Group techniques of Panel ARDL. Agglomeration economies are determined by population density, number of registered factories, employment size, and housing, in the cities of Punjab. The study designed four indices for socioeconomic conditions using principal component analysis. These include: educationindex, healthcare-index, water & sanitation-index, and economic conditions-index. Research findings reveal pressures of high population density, unemployment, and costly housing on educational & healthcare facilities, poor sanitation & waste management, in cities of Punjab, Pakistan. The study suggests that policy makers and urban planners to develop short term and long term policies and development plans for villages and secondary cities to uplift wellbeing of the local population. Nonetheless, cities need to decentralize for sustainable development and management.
Article history: Received 10 December 2016 Received in revised form 17 January 2017 Accepted 18 J... more Article history: Received 10 December 2016 Received in revised form 17 January 2017 Accepted 18 January 2017 Available online 26 January 2017 Micro credit has been widely recognized in the recent development literature to have positive consequences of societal economic development. However, most studies examine the impact of micro credit on some narrow indicators of well-being such as income, poverty, education and health. While these indicators do measure and represent the standard of living of the society, and are important development objectives, they focus only on the material aspect of well-being. Therefore, it does not really shed light on whether micro credit is associated with quality of life which is the subjective aspect of economic development. This gives rise to the question on whether micro credit also leads to better quality of life. This paper attempts to answer this question by encompassing the investigation not only on the impact of micro credit and its domains loan...
Journal of Public Affairs
Cogent Economics & Finance
Agglomeration economies are the external benefits earned from clustering of industries and people... more Agglomeration economies are the external benefits earned from clustering of industries and people in cities. The study assumes unbridled clustering of population in emerging urban agglomerations turning economies into diseconomies. This study empirically investigates the heterogeneous socioeconomic impacts of agglomeration economies in selected cities of Punjab, Pakistan, from 1998 to 2018, using the Pooled Mean Group and the Mean Group techniques of Panel ARDL. Agglomeration economies are determined by population density, number of registered factories, employment size, and housing, in the cities of Punjab. The study designed four indices for socioeconomic conditions using principal component analysis. These include: educationindex, healthcare-index, water & sanitation-index, and economic conditions-index. Research findings reveal pressures of high population density, unemployment, and costly housing on educational & healthcare facilities, poor sanitation & waste management, in cities of Punjab, Pakistan. The study suggests that policy makers and urban planners to develop short term and long term policies and development plans for villages and secondary cities to uplift wellbeing of the local population. Nonetheless, cities need to decentralize for sustainable development and management.
Sustainable Business and Society in Emerging Economies
This study attempts to understand how Islamic microfinance can be used to increase happiness in w... more This study attempts to understand how Islamic microfinance can be used to increase happiness in women and maintain sustainable economic development in Southern Punjab, Pakistan. It will analyze how the principles of Islamic microfinance help women in increasing their happiness. It also put forth light on the linkage between economic development and happiness. The survey will be conducted in Bahawalpur the State of Southern Punjab, Pakistan. It will also be considered that religion is not a hindering factor in the implementation of Islamic microfinance. It will also assume that Islamic microfinance in concert with the right fiscal and monetary policies framework, will contribute positively to increase happiness among women in Pakistan.
Sustainable Business and Society in Emerging Economies
This study attempts to understand how Islamic microfinance can be used to increase happiness in w... more This study attempts to understand how Islamic microfinance can be used to increase happiness in women and maintain sustainable economic development in Southern Punjab, Pakistan. It will analyze how the principles of Islamic microfinance help women in increasing their happiness. It also put forth light on the linkage between economic development and happiness. The survey will be conducted in Bahawalpur the State of Southern Punjab, Pakistan. It will also be considered that religion is not a hindering factor in the implementation of Islamic microfinance. It will also assume that Islamic microfinance in concert with the right fiscal and monetary policies framework, will contribute positively to increase happiness among women in Pakistan.
Journal of Business and Social Review in Emerging Economies
The issue of marginalisation of women in development, particularly in South Asia, has been highli... more The issue of marginalisation of women in development, particularly in South Asia, has been highlighted in the development literature. Women in this region are found to be generally poor, lack of education, and have a low quality of life, due to various economic and cultural reasons. Thus, unlocking the potentials of these women appears to be a plausible move as this could improve not only their income, but also their quality of life. One such initiative to unlock the potential of these women is microcredit program, where small loan is given to these women to enable them to embark on economic activities, which consequently improve their household income and quality of life. Indeed, there have been many studies that examine the relationship between microcredit and quality of life, and found that there is a positive relationship between microcredit and quality of life of the borrowers (women). However, most of these studies implicitly assume that the impact of microcredit on quality o...
Background/ Objectives: The present study explores the impact of socioeconomic status on the depr... more Background/ Objectives: The present study explores the impact of socioeconomic status on the depression of the elderly. The study has been conducted on 800 respondents in Punjab, Pakistan. The main objective of the research was to examine the impact of socioeconomic status on geriatric depression of the elderly. Methods/ Statistical analysis: Questionnaires were used to collect data. Survey research design was used. Simple random sampling technique was used for the particular research. Findings: The results showed that socioeconomic has a significant negative correlation with the level of depression. This shows that those who have higher level of socioeconomic status tended to have lower level of depression. The ability to do routine activities in daily life is based on socioeconomic status was the most prevailing factor of having good mental health in old age. Novelty/Applications : The scholarship recommended that socioeconomic status is related to mental health and has a negative effect on people overall mental health in old age. Based on the findings, it is recommended that government may develop programs such as social security for the elderly people that will help them in maintaining their socioeconomic status. Mental health practitioners must focus on the interventions that will recognize the importance of mental health in later ages.
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this st... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.
ARTICLE DETAILS ABSTRACT History Revised format: May 2019 Available Online: June 2019 This paper ... more ARTICLE DETAILS ABSTRACT History Revised format: May 2019 Available Online: June 2019 This paper examines the role of availability of resources in the acceptance of e-training in the Nigerian civil service. Perceived ease of use (PEOU) and Perceived usefulness (PU) of Technology Acceptance Model (TAM) was used as the base for consideration Questionnaires were used to collect data from 450 heads of departments. The framework of the paper made up of technological infrastructure, internet facility, PEOU and PU was tested with SmartPLS 2.0 M3 software. This paper found both that PU and PEOU indicated strong predictive role in e-training acceptance. In addition, technological infrastructure was found significant. However, internet facility had in significant effect in etraining acceptance. This paper showed that availability of resources can help in the acceptance of e-training in the Nigerian civil service. This will help to improve the outlook and overall performance in the civil servi...
Center for Sustainabality Research & Consultancy, 2015
The issue of marginalisation of women in development, particularly in South Asia, has been highli... more The issue of marginalisation of women in development, particularly in South Asia, has been highlighted in the development literature. Women in this region are found to be generally poor, lack of education, and have a low quality of life, due to various economic and cultural reasons. Thus, unlocking the potentials of these women appears to be a plausible move as this could improve not only their income, but also their quality of life. One such initiative to unlock the potential of these women is microcredit program, where small loan is given to these women to enable them to embark on economic activities, which consequently improve their household income and quality of life. Indeed, there have been many studies that examine the relationship between microcredit and quality of life, and found that there is a positive relationship between microcredit and quality of life of the borrowers (women). However, most of these studies implicitly assume that the impact of microcredit on quality of life is direct, and hence, did not consider the role of other factors in evaluating the impact of microcredit on quality of life. Here, we argue that, the impact of microcredit on quality of life is not direct, but rather indirect. We believe personal empowerment does play an important role in influencing the impact of microcredit on quality of life. The mere availability of microcredit, in our view, did not guarantee a positive impact on quality of life. Rather, the availability of credit to borrowers affects their personal confidence, which consequently affects their level of quality of life. This paper discusses the theoretical framework by which these variablesmicrocredit, personal empowerment and quality of lifeare interrelated .
In presenting this thesis in fulfilment of the requirements for a postgraduate degree from Univer... more In presenting this thesis in fulfilment of the requirements for a postgraduate degree from Universiti Utara Malaysia, I agree that the Universiti Library may make it freely available for inspection. I further agree that permission for the copying of this thesis in any manner, in whole or in part, for scholarly purpose may be granted by my supervisor or, in their absence, by the Dean of Othman Yeop Abdullah Graduate School of Business. It is understood that any copying or publication or use of this thesis or parts thereof for financial gain shall not be allowed without my written permission. It is also understood that due recognition shall be given to me and to Universiti Utara Malaysia for any scholarly use which may be made of any material from my thesis.
Academic Journal of Social Sciences (AJSS ), 2021
Microfinance has become an eminent tool that is used by the poor women of community of Pakistan t... more Microfinance has become an eminent tool that is used by the poor women of community of Pakistan to upsurge turns and lessen paucity in developing countries specifically in Pakistan as well as all over the world. This study examines the family life of single mothers that belongs to the remote area to generate defensible returns, rescuing prospects, prolific resources, and satisfying crucial requirements in Bahawalpur, Pakistan. Data has been collected through Interview based on a Survey of 194 single mothers (divorcees, widows and separated) out of 400 women borrower’s in the District of Bahawalpur. The theory of human capital advocated that not only microcredit gradually relieving in their earnings but also trying to self-assured substantially highlights in age, education, economic decision making, marital status and number of kids among single mothers in Bahawalpur. Less over, results indicated a considerable progressive role of single mothers and provided significant practice and ...
The current study aimed to study the impact of dimensions of personal empowerment and microcredit... more The current study aimed to study the impact of dimensions of personal empowerment and microcredit upon the worth of life of women borrowers. This research originated to unlock the potential of a dimension of personal empowerment by way of social political and cultural awareness that has a significant role in improving the quality of life of women. While its dimension of freedom of movement found insignificant due to the prevailed strict patriarchal system, whereas substantial outcomes in respect of contrary to economic decision making illustrated the rigid socio-cultural norms of Pakistan. Therefore, for the sake of strengthening the business purpose, it is necessary that stepping the freedom of movement that leads to the quality of life of women.
This study attempts to understand how personal empowerment can be used to improve quality of life... more This study attempts to understand how personal empowerment can be used to improve quality of life in women and maintain sustainable economic development in Bahawalpur, Pakistan. It analyzed that personal empowerment is an important determinant for women improving their quality of life.It also put forth light on the linkage between the economic development and quality of life.This essay tries to fulfill this gap by expending the analysis on personal empowerment that seems to provide a practical solution to reduce poverty and to improve quality of life by unlocking the potentials of the poor women by polishing her ability in economic decision making, giving freedom of movement and awareness in political socio-cultural conditions.This raises the question whether personal empowerment also leads to better quality of life.Pragmatic substantiation on the relationship between personal empowerment and quality of life is done by doing multinomial logit model analysis. The survey has been cond...
ARTICLEDETAILS ABSTRACTS History Received : February RevisedFormat : March Accepted : April The p... more ARTICLEDETAILS ABSTRACTS History Received : February RevisedFormat : March Accepted : April The present study attempts to understand how personal empowerment can be used to improve quality of life in women and can maintain sustainable economic development. It analyzes that personal empowerment is an important determinant for women improving their quality of life. It also shed light on the linkage between the economic development and quality of life. This paper tries to fulfill this gap by expanding the analysis of personal empowerment that seems to provide a practical solution to reduce poverty and to improve quality of life. It can be done through polishing the ability of women in economic decision making, giving freedom of movement and awareness in political socio-cultural conditions.
ARTICLE DETAILS ABSTRACT History Revised format: May 2020 Available Online: June 2020 The present... more ARTICLE DETAILS ABSTRACT History Revised format: May 2020 Available Online: June 2020 The present research endeavors to see how Islamic microfinance can be utilized to expand happiness in females and keep up reasonable financial advancement in Southern Punjab, Pakistan. It will examine how the standards of Islamic microfinance help ladies in expanding their happiness. It additionally set forth light on the linkage between the monetary turn of events and satisfaction. The review will be led in Bahawalpur the State of Southern Punjab, Pakistan. It will likewise be viewed as that religion is definitely not a blocking component to the usage of Islamic microfinance. It will likewise accept that Islamic microfinance working together with the privilege financial and fiscal arrangements structure, will contribute emphatically to expand joy among ladies in Pakistan.
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In thi... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.
Indian Journal of Science and Technology, 2020
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In thi... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.
Cogent Economics & Finance
Agglomeration economies are the external benefits earned from clustering of industries and people... more Agglomeration economies are the external benefits earned from clustering of industries and people in cities. The study assumes unbridled clustering of population in emerging urban agglomerations turning economies into diseconomies. This study empirically investigates the heterogeneous socioeconomic impacts of agglomeration economies in selected cities of Punjab, Pakistan, from 1998 to 2018, using the Pooled Mean Group and the Mean Group techniques of Panel ARDL. Agglomeration economies are determined by population density, number of registered factories, employment size, and housing, in the cities of Punjab. The study designed four indices for socioeconomic conditions using principal component analysis. These include: educationindex, healthcare-index, water & sanitation-index, and economic conditions-index. Research findings reveal pressures of high population density, unemployment, and costly housing on educational & healthcare facilities, poor sanitation & waste management, in cities of Punjab, Pakistan. The study suggests that policy makers and urban planners to develop short term and long term policies and development plans for villages and secondary cities to uplift wellbeing of the local population. Nonetheless, cities need to decentralize for sustainable development and management.
Article history: Received 10 December 2016 Received in revised form 17 January 2017 Accepted 18 J... more Article history: Received 10 December 2016 Received in revised form 17 January 2017 Accepted 18 January 2017 Available online 26 January 2017 Micro credit has been widely recognized in the recent development literature to have positive consequences of societal economic development. However, most studies examine the impact of micro credit on some narrow indicators of well-being such as income, poverty, education and health. While these indicators do measure and represent the standard of living of the society, and are important development objectives, they focus only on the material aspect of well-being. Therefore, it does not really shed light on whether micro credit is associated with quality of life which is the subjective aspect of economic development. This gives rise to the question on whether micro credit also leads to better quality of life. This paper attempts to answer this question by encompassing the investigation not only on the impact of micro credit and its domains loan...
Journal of Public Affairs
Cogent Economics & Finance
Agglomeration economies are the external benefits earned from clustering of industries and people... more Agglomeration economies are the external benefits earned from clustering of industries and people in cities. The study assumes unbridled clustering of population in emerging urban agglomerations turning economies into diseconomies. This study empirically investigates the heterogeneous socioeconomic impacts of agglomeration economies in selected cities of Punjab, Pakistan, from 1998 to 2018, using the Pooled Mean Group and the Mean Group techniques of Panel ARDL. Agglomeration economies are determined by population density, number of registered factories, employment size, and housing, in the cities of Punjab. The study designed four indices for socioeconomic conditions using principal component analysis. These include: educationindex, healthcare-index, water & sanitation-index, and economic conditions-index. Research findings reveal pressures of high population density, unemployment, and costly housing on educational & healthcare facilities, poor sanitation & waste management, in cities of Punjab, Pakistan. The study suggests that policy makers and urban planners to develop short term and long term policies and development plans for villages and secondary cities to uplift wellbeing of the local population. Nonetheless, cities need to decentralize for sustainable development and management.
Sustainable Business and Society in Emerging Economies
This study attempts to understand how Islamic microfinance can be used to increase happiness in w... more This study attempts to understand how Islamic microfinance can be used to increase happiness in women and maintain sustainable economic development in Southern Punjab, Pakistan. It will analyze how the principles of Islamic microfinance help women in increasing their happiness. It also put forth light on the linkage between economic development and happiness. The survey will be conducted in Bahawalpur the State of Southern Punjab, Pakistan. It will also be considered that religion is not a hindering factor in the implementation of Islamic microfinance. It will also assume that Islamic microfinance in concert with the right fiscal and monetary policies framework, will contribute positively to increase happiness among women in Pakistan.
Sustainable Business and Society in Emerging Economies
This study attempts to understand how Islamic microfinance can be used to increase happiness in w... more This study attempts to understand how Islamic microfinance can be used to increase happiness in women and maintain sustainable economic development in Southern Punjab, Pakistan. It will analyze how the principles of Islamic microfinance help women in increasing their happiness. It also put forth light on the linkage between economic development and happiness. The survey will be conducted in Bahawalpur the State of Southern Punjab, Pakistan. It will also be considered that religion is not a hindering factor in the implementation of Islamic microfinance. It will also assume that Islamic microfinance in concert with the right fiscal and monetary policies framework, will contribute positively to increase happiness among women in Pakistan.
Journal of Business and Social Review in Emerging Economies
The issue of marginalisation of women in development, particularly in South Asia, has been highli... more The issue of marginalisation of women in development, particularly in South Asia, has been highlighted in the development literature. Women in this region are found to be generally poor, lack of education, and have a low quality of life, due to various economic and cultural reasons. Thus, unlocking the potentials of these women appears to be a plausible move as this could improve not only their income, but also their quality of life. One such initiative to unlock the potential of these women is microcredit program, where small loan is given to these women to enable them to embark on economic activities, which consequently improve their household income and quality of life. Indeed, there have been many studies that examine the relationship between microcredit and quality of life, and found that there is a positive relationship between microcredit and quality of life of the borrowers (women). However, most of these studies implicitly assume that the impact of microcredit on quality o...
Background/ Objectives: The present study explores the impact of socioeconomic status on the depr... more Background/ Objectives: The present study explores the impact of socioeconomic status on the depression of the elderly. The study has been conducted on 800 respondents in Punjab, Pakistan. The main objective of the research was to examine the impact of socioeconomic status on geriatric depression of the elderly. Methods/ Statistical analysis: Questionnaires were used to collect data. Survey research design was used. Simple random sampling technique was used for the particular research. Findings: The results showed that socioeconomic has a significant negative correlation with the level of depression. This shows that those who have higher level of socioeconomic status tended to have lower level of depression. The ability to do routine activities in daily life is based on socioeconomic status was the most prevailing factor of having good mental health in old age. Novelty/Applications : The scholarship recommended that socioeconomic status is related to mental health and has a negative effect on people overall mental health in old age. Based on the findings, it is recommended that government may develop programs such as social security for the elderly people that will help them in maintaining their socioeconomic status. Mental health practitioners must focus on the interventions that will recognize the importance of mental health in later ages.
Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this st... more Pakistan ranks third in the list of the most hazardous countries for woman's survival. In this study, by using the quantitative approach, the scale adaptation process was conducted in three phases as integration of instruments, generation of items, and generalization of expert reviews. Back-to-Back translation on 40 women was done to determine the understanding of the Urdu language of personal empowerment scale. Sequentially, Confirmatory Factor Analysis (CFA) was performed on the data collected from 360 respondents for the Construct Validity Method (CVM) on personal empowerment Scale-Urdu Version. The results confirmed the validity of the scale. Cross-language validity was also determined. The empirical findings also indicated that women's personal empowerment plays a significant role in improving their quality of life. Theorists and practitioners need to pay more attention to the generalization of the personal empower scale.