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Micro Finance and Economic Development: The Role of Microfinance Institutions Outreach in Pakistan
Naveeda ZEB,Raja Nabeel-Ud-Din JALAL,Um-E-Roman FAYYAZ,Muhammad Asif ZAHEER 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.5
Microfinance focuses on economic development at a minute level. Microfinance is adopted to reduce the poverty level in the economic system. This study is conducted to investigate the microfinance institutions’ outreach, its growth, and challenges faced by the Microfinance Banks (MFBs) and Microfinance Institutions (MFIs). Data is collected from MFBs and MFIs working in Muzaffarabad as well as from interviews and focus group discussions. Findings are based upon lending, headcount ratio, offers, the value of their offer, and the possible growth chances of microfinance in Muzaffarabad. In addition to this, the challenges associated with microfinance outreach have been highlighted during analysis and guidelines have been provided to the MFBs and MFIs to increase their outreach. The sector is financially unstable which is attributable to its reliance on conventional sources of funding. The industry faces several endogenous as well as exogenous challenges from its environment which obstructs its growth. Further, it helps the policymakers to work on the development of the region and provide the base for further future research work.
Raja Nabeel-Ud-Din JALAL,Naveeda ZEB,Um-E-Roman FAYYAZ 한국유통과학회 2019 The Journal of Asian Finance, Economics and Busine Vol.6 No.2
Personality factors and ethical values are considered as vital element in social and professional life. This present research aims to explore the relationship between Personality and Job Satisfaction. Further, we tried to test the moderating effect of Islamic work ethics (IWE) in the relationship of Personality traits with Job satisfaction. Convenience sampling was used in defining sample as in Pakistan there is no data base which provides information regarding number of employees. Due to moderating variable the data has been collected from respondents who identify themselves as Muslim. To collect data from respondents Self-administered, close-ended questionnaires and e-questionnaire were used in this study and respondents were targeted in the normal working environment. Correlation and regression analysis was used to analyze the data statistically. The results of study indicated that neuroticism exhibits significant negative effect on job satisfaction. Also, openness to experience, agreeableness and conscientiousness showed positive effect on job satisfaction. Whereas, extraversion exhibits no effect on job satisfaction and IWE has a negative effect on job satisfaction. However, the output indicates that IWE do not act as moderator in the relation of agreeableness and conscientiousness with job satisfaction moderation effect of IWE is observed between the relationship of neuroticism, extraversion and openness to experience with job satisfaction.