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Considering the speedy growth of Islamic finance and limited research work on Muslim behavior regarding Islamic Banking, this study aims to investigate to comprehend the stimulus of religiosity on customer’s behavior.

A conceptual model is developed on existing literature. The key dimensions of religiosity in the model include practice, knowledge, experience and consequences to capture the whole religiosity of customers. Model of the study investigates the impact of customer’s religiosity on their behavior in decision-making about selection of Islamic bank. Analysis of the study is based on the sample of 370 customers of Islamic banks from District Nowshera Khyber Pakhtunkhwa, Pakistan. The data for the study collected through random sampling by a comprehensive survey questionnaire. Binary logistic model is used to test the data for statistical analysis.

The key findings of the study suggest that religiosity influence customer behavior positively in decision-making regarding Islamic finance. Service standards of Islamic banking has also significant impact on customer perception, while the financial education of the customers has insignificant impact on customer behavior.

This study mainly focused on the curiosity of the customer religious commitment, so religiosity is a vast phenomenon; there are deep sections in each dimension of religiosity, so further study is suggested for the comprehensive capture of each dimension of religiosity.

The results of the study have a great importance for the managers of Islamic finance industry to identify and detect the potential customers and divide the target market of banking industry on the base of religiosity. Furthermore, the study may bring significant managerial suggestions for marketing planners and can help them in market segmentation strategies.

The study examined the association between Muslim religiosity and Islamic banking customer’s selection behavior. This study spread the understanding of religiosity and its impact on Islamic banking customer’s behavior. Furthermore, the study is valuable to discover the level to which religiosity determines the inclinations of customers. This study helps marketing practitioners and researchers to grow their knowledge about customer’s motives in terms of religious commitment.

The Government of Pakistan has allocated a substantial proportion of agricultural credit to subsistence farmers. The purpose of this paper is to analyze farmers’ access to credit and its adequacy in the light of current agricultural credit policy of Pakistan.

The study has used both secondary and primary data for analysis. Secondary data were collected from the annual reports of Pakistan Economic Survey and State Bank of Pakistan. Primary data were collected from 168 subsistence farmers through households’ survey. Farmers’ credit access and credit adequacy were measured using credit access ratio and credit adequacy ratio, respectively. The Student’s t-test and analysis of variance were used to assess the differences in credit access and adequacy among farmers’ groups (i.e. upper, medium and lower subsistence farmers). Tobit regression model was employed to determine the factors influencing credit adequacy among farmers.

The empirical results revealed that the amount of credit provided to subsistence farmers was less than stated in the national agricultural credit policy. Upper subsistence farmers had more access to credit than lower and medium subsistence farmers. Lower subsistence farmers had above average access to informal sources of credit, and had below average access to formal sources. The findings also revealed that lower subsistence and medium subsistence farmers had the highest credit inadequacy of funds for investment in agriculture. The results of the Tobit regression revealed that age, education, experience, household size, total landholding of farmer and proportion of own land influenced the agricultural credit adequacy.

Most of the credit was distributed among the upper subsistence farmers. Lower subsistence farmers were still largely dependent on informal credit for farm production activities. The Government of Pakistan performed poor in the implementation of agricultural credit policy, and has failed to help subsistence farmers in their access to formal credit. It is needed to revamp the agricultural credit policy and facilitate credit acquisition by subsistence farmers, particularly for tenant farmers. It is important that the Government may classify the subsistence farmers into subgroups, and reallocate the funds accordingly. This study has lessons and implications for agricultural finance initiatives in developing countries.

Previous studies have focused primarily on access to agricultural credit. However, this study has adopted a holistic approach by using secondary and primary data to assess the farmers’ access to credit and adequacy. In addition, limited literature is available to explore the farmers’ accessibility and adequacy of agricultural credit. Furthermore, this study has focused exclusively on the farmers who are living in the flood-prone areas of Pakistan.

The purpose of this paper is to explore the impact of Total Quality Management (TQM) practices on the performance of employees working in higher education institutions (HEIs). It also examines the mechanism through which TQM practices affect the performance of employees.

Data for the current study were obtained from both public and private sector HEIs of Pakistan. In total, 400 questionnaires were distributed among the administrative and academic staff of 3 universities and 240 usable questionnaires were received. Data were analyzed through regression analysis using SPSS.

The results show that the TQM positively and significantly determines employee performance, and the mediating variables of job satisfaction and affective commitment. Both the mediating variables show a mediating role in the TQM/employee performance relationship.

The study has practical implications for universities’ top management to focus on TQM practices that help in building and enhancing satisfaction, commitment, as well as performance of the employees that could ultimately result in better performance of the universities.

This research is an addition to the current literature and the first attempt in this area to the best of authors’ knowledge. This study will help in identifying how important and beneficial it would be for the services organizations to implement the TQM practices and identifying the impact of TQM practices on employee’s job performance.

The study sought to determine the direct and indirect costs of hospitalization incurred by the provider and consumer in a public funded tertiary care hospital in Islamabad, Pakistan. The cost per hospital bed per day in both medical and mixed specialty wards was determined in terms of infrastructure, manpower, diagnostic investigations, drugs and utilities, and the cost to the hospitalized individual in terms of transport, food, drugs, investigations, and indirect costs such as time and material requirements of relatives or friends resulting from and associated with the hospitalization. The average daily cost per occupied bed to the institution amounted to Rs. 777 (US $ 18.95) per day. The average cost borne by the patient was Rs. 1,071 (US $ 26.10) per day or 58 percent of the total daily cost of a (medical) bed. A disproportionate share of this expense was under specific subheadings, namely purchase of medicines, laboratory services, transportation and food. Study findings confirm that in contrast to stated national policy, stationary health care is not only not free but that the consumer may end up directly paying more than the state for the services she/he receives.

The purpose of this paper is to investigate patients’ views toward the perceived service quality of public and private healthcare service providers. Determinants of healthcare service quality were compared by carrying out a GAP analysis to equate perceived and expected services and examined differences in the service quality.

The study sample comprises 310 inpatients of public and private healthcare service providers. Self-administered questionnaires were used along a five-point Likert scale and analyzed through the Statistical Package for Social Sciences. GAP analysis was used to observe the difference between expectations and perceived service quality.

A cross-sectional study revealed significant quality gaps between the expected and perceived services of public and private healthcare service providers; conversely patients’ expectations are not fully met in both types of hospitals. Private hospitals surpassed in terms of overall perceived service quality from their counterparts. Perceived services were found better in terms of physician medical services in public sector hospitals, while rooms and housekeeping services were found better in terms of private sector hospitals.

The result can be used by both public and private healthcare service providers to restructure their quality management practices which could only be possible through effective management commitment, regular patients’ feedback and translucent complaint procedures.

The study conceptualizes the expected and perceived hospital service quality dimensions as an eight-dimensional framework. A comparison between public and private sector hospitals is made to get a better understanding about the differences in the perceived healthcare services among two sectors. Consequences of the study will aid hospital managers and policy makers to get a fuller picture of healthcare services in order to contrive enhancement practices.

The paper aims to examine the level of agricultural credit by commercial banks and the determinants that influence the commercial banks to the increased level of agricultural credit through the pressures of the institutional environment.

The study selects seventeen sample commercial banks following the market capitalization method and investigates a total of 85 annual reports during the period from 2013 to 2017. The study conducts a pooled regression to conclude the proposed hypotheses.

The present study finding indicates that the average of agricultural credits to total credits is 2.25% among the sample commercial banks. The study finds a positive significant association between board gender diversity, foreign director, management team and agricultural credit. Furthermore, the study has found that the role of the deposit in enhancing agricultural credit is positive. On the other hand, the association between independent directors, profitability and agricultural credits is negative.

The study is based on secondary data with five firm-year observations of commercial banks. The study finding is based on commercial banks, so it should not be generalized to non-bank financial institutions.

The study emphasizes policymakers’ attention towards the level of agricultural credit and determinants that influence the level of agricultural credit by commercial banks in emerging markets.

The key contribution of the study is to focus on the reformist role of the determinants in promoting the increased level of agricultural credit in the emerging markets.

Women’s entrepreneurship has become an essential movement in developing economies and is accepted in all working areas. This study aims to propose the effect of institutional support (IS) and entrepreneurial knowledge (ENK) on women’s entrepreneurial self-efficacy (WESE) and venture performance (VP) in a developing country, namely, Pakistan.

The constructive theoretical framework comprises of an extensive review of current literature. In this study, the researchers used a deductive approach that used cross-sectional data collected through women entrepreneurs completing a questionnaire. Consequently, this study comprised 324 usable samples.

The structural equation model reveals that formal institutional support (FIS), informal institutional support (IFIS) and ENK have a positive and significant effect on WESE that is concerned with the VP. Finally, WESE is a potent construct that mediates the association between FIS, IFIS, ENK and VP.

This study’s findings provide policymakers and government with guidance so that, by providing entrepreneurship and technical courses to develop more entrepreneurial self-efficacy, they focus more on women’s entrepreneurship. Ultimately, this improves VP. Finally, this study’s findings would provide guidelines for allocating financial assistance or funds for women. By using these funds, they can start their businesses to tackle miserable conditions, i.e. poverty and unemployment.

This study’s findings help to support the creation of self-employment opportunities and starting a business to improve well-being and socioeconomic conditions.