Bio
Beenish Ameer is an academic author affiliated with Quaid-i-Azam University Islamabad and The Islamia University of Bahawalpur, Pakistan. She holds qualifications of BBA (HONS) and MS (FINANCE). She has contributed research works related to Islamic Finance and Banking Studies, Emotional Intelligence and Performance, Leadership, Behavior, and Decision-Making Studies, Accounting, Social Psychology, and Management Science and Operations Research. She has published multiple research articles and has acted as a peer reviewer. Her contact details indicate current residence in the United Kingdom.
Educational Journey
BBA(HONS)
MS(FINANCE)
Experience
The Islamia University of Bahawalpur
0 - 0Editors Role
Reviewer
GJMBR
0 -Research
Determinants of Banking Sector Performance in Pakistan
The purpose of this research is to examine the relationship between bank-specific and macro-economic indicator over bank performance by using data of ten Pakistani banks including five conventional banks and five Islamic banks over the period 2010-2014.Dependent variable taken for this study is Return on assets, Return on Equity to measure the Banking Sector Performance and independent variable taken for this study including specific factors (Size, Capital, Loan, Deposits, Expenses, Credit Risk and Liquidity) and macroeconomic factors (Gross Domestic Product ,Foreign Direct investment and Inflation).This paper uses the correlation and regression method to investigate the impact of size, loans, capital, deposits, liquidity, credit risk, expenses, economic growth, inflation and foreign direct investment on major performance indicators. The empirical results have found strong evidence that both internal and external factors have a strong influence on the performance. A result of study denotes that credit risk, expenses and inflation have indirect link with the bank performance, whereas size of bank, capital, deposit and loan have a significant positive relation with bank’s performance and liquidity have insignificant positive relation with Performance of bank . This study reveals the positive insignificant relation between GDP and performance but significant relation between FDI and performance and indirect relation between inflation and profitability. The results of the study are of value to both academics and policy makers.
Effectiveness of Microfinance Loans in Pakistan (A Borrower Perspective)
Purpose: The purpose of this paper is to examine the effectiveness of microfinance loans in Pakistan. The purpose is that how much the microfinance loans are effective in Pakistan from the borrower perspective. The loan which is took by the client of Micro Finance Tamer Bank how that loan amount has been used in the projected business and whether the income has been increased by the loans utilization. Research methodology: The purpose is to find different factors which are affecting the effectiveness of the microfinance loans. Three variables have been identified to examine the effectiveness of the loans that are procedure, loan consumption and income. To study these factors a logically questionnaire has been developed by the researcher herself and floated to the Microfinance Timer Bank borrowers and the data is analyzed by the regression analysis. Findings: Data findings are procedure is affecting the loan consumption but income does not depend on the consumption of the loans. Conclusion: Microfinance institution should extend its reach by providing information and should consider the core to make the microfinance loans more effective as it for the low income households.
A Test of Fama and French Three Factor Model in Pakistan Equity Market
here is a view that investor who want to make investment in stock exchange should make a decision maximize their wealth. For this purpose the investor not only want to know which factor will impact the return but also want to understand the relative weight of various factors level, and which sub factor will impact more for giving factors. So they analyze all relevant factors while making decision that affect the return from investment in future. Variation in stock market return was determined by various theories. It was started with Sharp (1964), Linter (1965), Black (1972) who present Capital Asset Pricing Model (CAPM) which shows how to be related between the average return of stock and market risk factor. Other researcher did not agree because there is other factor more than one factor. Many anomalies have been identified in CAPM. Base (1977) finds high earning to price (E/P) ratio companies having higher return than low earning to price ratio. Bans (1981) told small stock outperform than large stock. Stuntman (1980) argued that company with high book to market value outperforms companies with low book to market value.
