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Zaman, Khalid
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Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Materials Science & Nanotechnology

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Determinants of Bank Profitability in Pakistan: Internal Factor Analysis Javaid, Saira; Anwar, Jamil; Zaman, Khalid; Gafoor, Abdul
Mediterranean Journal of Social Sciences Vol. 2 No. 1 (2011): January 2011
Publisher : Richtmann Publishing

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Financial sector plays a pivotal role in the economic development. It is generally agreed that a strong and healthy banking system is a prerequisite for sustainable economic growth. Banks in Pakistan have been undergoing major challenges in the dynamic environment over the past few years. In order to resist negative shocks and maintain financial stability, it is important to identify the determinants that mostly influence the overall performance of banks in Pakistan. This study aims to give the analysis of the determinants of top 10 banks’ profitability in Pakistan over the period 2004-2008. The focus is on the internal factors only. This paper uses the pooled Ordinary Least Square (POLS) method to investigate the impact of assets, loans, equity, and deposits on one of the major profitability indicator return on asset (ROA). The empirical results have found strong evidence that these variables have a strong influence on the profitability. However, the results show that higher total assets may not necessarily lead to higher profits due to diseconomies of scales. Also, higher loans contribute towards profitability but their impact is not significant. Equity and Deposits have significant impact on profitability. Key words: Financial Institutions, Banks, Profitability, Return on Assets, Correlation, Pooled OLS, Pakistan.
The Relationship between Working Capital Management and Profitability: A Case Study of Cement Industry in Pakistan Haq, Ikram ul; Sohail, Muhammad; Zaman, Khalid; Alam, Zaheer
Mediterranean Journal of Social Sciences Vol. 2 No. 2 (2011): May 2011
Publisher : Richtmann Publishing

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This study empirically examines the relationship between working capital management and profitability by using data offourteen companies in cement industry in the Khyber Pakhtonkhuwa Province (KPK) of Pakistan. The study is based on secondary datacollected from financial reports which is listed in Karachi Stock Exchange for the period of six years from 2004-2009. The data wasanalyzed using the techniques of correlation coefficient and multiple regression analysis. All the findings were tested at 0.01 and 0.05level of significance. The result concludes that there is a moderate relationship between working capital management and profitability inthe specific context of cement industry in Pakistan.
Devaluation and Output Growth: Evidence from Pakistan Asif, Muhammad; Shah, Syed Qasim; Zaman, Khalid; Rashid, Kashif
Mediterranean Journal of Social Sciences Vol. 2 No. 2 (2011): May 2011
Publisher : Richtmann Publishing

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This article investigates the long run and short run effect of currency devaluation on output growth of Pakistan byapplying unit root and cointegration analysis. The data set includes annual observations for the period 1980-2009. Moreover, thisstudy examines four alternative but equally plausible hypotheses, each with different policy implications. These are: i) Real GDP causeReal Effective Exchange Rate (the conventional view), ii) Real Effective Exchange Rate cause Real GDP, iii) There is a bi-directionalcausality between the two variables and iv) Both variables are causality independent (although highly correlated). The empirical evidencefinds significant positive relationship between devaluation and output growth in long run, as well as in short run. Both in the long andshort run, output growth are affected by currency devaluations.
Effect of Word of Mouth on Consumer Buying Behavior Aslam, Saad; Jadoon, Ehtisham; Zaman, Khalid; Gondal, Shehryar
Mediterranean Journal of Social Sciences Vol. 2 No. 3 (2011): September 2011
Publisher : Richtmann Publishing

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The objective of this study is to examine the negative and positive affect of word of mouth marketing on consumer buyingbehaviour. The study is based on primary data collected from one hundred households and university students from the area of Rawalpindiand Islamabad cities of Pakistan. The data is analyzed using the techniques of frequency distribution and ranking. The result reveals thatconsumers tend to rely on word of mouth for the purchase of everyday items as well as long-term goods. The people that seem to have aninfluence on the decision of the consumers the most are closed family, friends and acquaintances. Results further show that a bitterexperience of a product/place can create problems for the company as it is a major factor of negative word of mouth. Viral Marketing isgaining rapid popularity among consumers as it’s depicts in the results. Finally, a negative word of mouth travels faster than positivecomments.
Co-Authors A.A. Ketut Agung Cahyawan W Alam, Zaheer Anwar, Jamil Aslam, Saad Gafoor, Abdul Gondal, Shehryar Haq, Ikram ul Jadoon, Ehtisham Javaid, Saira Rashid, Kashif Shah, Syed Qasim Sohail, Muhammad