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All Journal Journal of Degraded and Mining Lands Management Computer Science and Information Technologies Journal of Management and Islamic Finance Journal of Rural Tourism (JoRT)
Iqbal, Javed
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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THE DYNAMICS OF ISLAMIC MICROFINANCE AWARENESS AND FINANCIAL LITERACY Nosheen, Safia; Iqbal, Javed; Yasser, Farah; Ali, Dr. Muhammad Kashif
Journal of Management and Islamic Finance Vol. 4 No. 1 (2024): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v4i1.9341

Abstract

This study seeks to bridge the existing gap in the literature, offering a comprehensive analysis of the relationships among Islamic Microfinance Awareness, Financial Literacy, Trust in Financial Institutions, and Customer Access to Islamic Microfinance Products. Small enterprises have been targeted as a sample of Lahore city, Pakistan's second-largest city in terms of population and economic significance. The data is gathered through questionnaires and 256 responses collected from employees across diverse organizations, reinforcing the study's credibility. Partial Least Squares Structural Equation Modelling (PLS-SEM) used to achieve research goals. The study's results align with all the specified hypotheses, confirming the proposed relationships and shedding light on the interconnected dynamics between Islamic Microfinance Awareness, Financial Literacy, Trust in Financial Institutions, and Customer Access to Islamic Microfinance Products. This study investigates the lesser-known aspect of Islamic Microfinance Awareness, providing insights into its influence on consumer access and trust. The practical implications are outlined, proposing that policymakers and financial institutions implement targeted awareness campaigns and financial education initiatives. The research culminates in valuable recommendations for relevant parties, emphasizing the significance of establishing the confidence to promote increased consumer involvement with Islamic Microfinance offerings.
Landslide susceptibility mapping for hazard management along Pakistan’s Balakot-Naran Route Ullah, Aman; Ramzan, Muhammad; Iqbal, Javed
Journal of Degraded and Mining Lands Management Vol. 12 No. 3 (2025)
Publisher : Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15243/jdmlm.2025.123.7401

Abstract

Landslides represent a significant hazard worldwide, leading to substantial loss of life and property. In Pakistan’s Balakot Valley, severe landslides frequently disrupt key roadways, particularly along the Balakot-Naran route, which serves as a crucial artery for tourism—the region’s primary economic activity. This study aimed to create a high-resolution landslide susceptibility map for a 457 km² area along this road, where landslides are driven by factors such as intense rainfall, weak geological formations, seismic activity, and slope destabilization due to road construction. Using Geographic Information Systems (GIS) and remote sensing, we analyzed nine critical landslide-predictive factors: slope, aspect, lithology, land cover/land use, plan curvature, profile curvature, and proximity to faults, roads, and streams. Our methodology applied the frequency ratio (FR) model to 80% of the landslide inventory data for model construction, while 20% of the inventory was reserved for validation. The resulting susceptibility map, classified into low, moderate, high, and very high-risk zones using the natural breaks method in ArcGIS, indicates that slope gradient, lithology, land cover, and stream proximity are the primary contributors to landslide occurrence in this area. Model performance metrics demonstrate high predictive accuracy, with a success rate of 0.93 and a prediction rate of 0.96. The generated susceptibility map provides a robust tool for hazard management, offering valuable insights for targeted mitigation strategies and sustainable infrastructure development in this landslide-prone region. This study advanced landslide susceptibility mapping by integrating high-impact geospatial factors with an innovative, validated FR approach, supporting safer, data-driven land use planning and disaster preparedness.
Matrix inversion using multiple-input multiple-output adaptive filtering Anjum, Muhammad Yasir Siddique; Iqbal, Javed
Computer Science and Information Technologies Vol 6, No 1: March 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/csit.v6i1.p1-7

Abstract

A new approach for matrix inversion is introduced. The approach is based on vector representation of multiple-input multiple-output (MIMO) channel matrix, in which the channel matrix is described by a linear combination of channel vectors weighted by their respective system inputs. The MIMO system output is then fed into a bank of adaptive filters, wherein the response of a given adaptive filter is iteratively minimized to match its output to the given system input. In doing so, adaptive filters equalize the impact of respective channel vectors on the MIMO channel output, while simultaneously orthogonalizing themselves from all other channel vectors, forming the channel matrix inverse. The method demonstrates satisfactory convergence and accuracy in Monte Carlo simulations conducted with varying signal-to-noise ratios (SNRs) and matrix conditioning scenarios. The suggested approach, by virtue of its adaptable characteristics, can also be employed for time-varying linear equation systems.
A comprehensive assessment of travel motivations and constraints faced by solo female travelers visiting tourism destinations of Kashmir and Ladakh Region Akram, Sadakat; Majeed, Rukhsana; Iqbal, Javed
Journal of Rural Tourism Vol. 3 No. 1 (2025): January - June
Publisher : Borneo Novelty Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70310/jrt.2025.04010657

Abstract

Purpose - This research explores the motivations and constraints of solo female travelers in Kashmir and Ladakh, focusing on their pursuit of independence and personal freedom while addressing social and cultural challenges. It also examines how these factors influence their destination choices.Methodology - A quantitative approach was used, with surveys distributed to 275 solo female tourists in popular Kashmir and Ladakh destinations. Data was analyzed using SPSS version 25.0.Findings - Solo female travelers are primarily motivated by independence, self-improvement, and unique experiences. Psychological factors such as escaping daily routines and boosting confidence were key, while sociocultural constraints like gender norms and family disapproval hinder independent travel.Originality - This study fills a gap in existing literature by focusing on solo female travelers in Kashmir and Ladakh. It offers valuable insights for tourism stakeholders to enhance the experiences of this emerging group and suggests strategies to boost female solo travelers' confidence and engagement.
Co-Authors Akram, Sadakat Ali, Dr. Muhammad Kashif Anjum, Muhammad Yasir Siddique Majeed, Rukhsana Nosheen, Safia Ramzan, Muhammad Ullah, Aman Yasser, Farah