Research Paper On Islamic Banking In Pakistan

Research Paper On Islamic Banking In Pakistan-45
Cooperation between the industry and scholars could help in providing more innovative products to the consumers.There has been a limited amount of work carried out on the perceptions of consumers about Islamic banking in Pakistan.

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In case of Pakistan, interest institution is not only deep‐rooted, but also strongly interlinked with other exploitative tools that are prevalent in the hands of some selected people to keep their control over political, economic and social spheres of Pakistan.

There is an indispensable need to eradicate interest along with its allied forces from the polity of Pakistan.

The implication of this paper is that conventional banks have the potential of absorbing financial stability shock as compare to Islamic banks on the basis of stated financial soundness indicators and Z-Score specifically.

International Journal of Business and Social Research (IJBSR).

The comparative analysis through average scores is performed using 3 indicators of financial stability namely Z-Score, Capital Adequacy Ratio (CAR) and Equity to Total Assets Ratio. Liquidity Risk Management: a Comparative Study Between conventional and Islamic banks of Pakistan.

The findings of the research reveal that (i) conventional banks are more financially stable than Islamic banks; (ii) large conventional banks are more financially stable than large Islamic banks; (iii) small Islamic banks are less stable than small conventional bank. It concludes that all intellectual, practical, political, constitutional and legal efforts undertaken in Pakistan to enforce an interest‐free system were not meant in earnest and therefore they inflicted serious damage to the cause of Islam as well as Islamic banking.Interest is prohibited in Islam for its exploitative nature.This paper attempts to fill the gap in the literature by exploring the perceptions of consumers and bankers in an attempt to gain insights so that the availability of products and awareness can be increased.The study uses a regression model by using perception as a dependent variable and awareness, knowledge and religious motivation as independent variables.The aim of this study is to examine the perceptions of consumers on Islamic banking and finance in Pakistan.Islamic finance is an emerging phenomenon, and its survival depends on the availability, affordability and awareness.The present study represents the start of a larger context for examining Islamic banking practices in Pakistan. Download as . The findings of the study can be used as a reference in future research projects in the areas of perceptions and awareness. The paper provides a broarder perspective over the issue of eliminating interest from the national economy and financial sector of Pakistan. Download as . The paper figures out some serious political, social and micro and macro economic constraints that should be first sorted out to pave the way for any viable strategy to succeed in replacing the existing system with risk‐sharing and alternative interest‐free mechanisms.


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