finance thesis in pakistan

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• MS Thesis - Economics
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Submissions from 2021 2021

School quality and teacher quality - an impact evaluation on student's educational outcomes in a public-private partnership school program in Pakistan , Neha Ahmed

Oil prices and financial performance of firms in corporate sector of Pakistan , Zahra Mazhar Ali

Public debt and economic growth in Pakistan: evidence from a nonlinear analysis , Maha Asad

Hybrid query execution on linked data with complete results , Samita Bai

A bibliometric review of green financing, implication for Islamic Finance , Umaira Danish Dervi

Smokeless tobacco: socio-economic and environmental cost – a case study , Dania Farah

Forecast comparison of competing macro-econometric models of Pakistan economy , Uzair Bin Farid

Reexamining the EKC hypothesis in Pakistan: evidence from threshold regression , Tehreem Fatima

The product of well-composed sets , Arsalan Raza Hemani

Exploring the relationship between trade liberalization & environmental deterioration: role of governance , Iqra Hussain

Retrieval of mathematical information with syntactic and semantic structure , Sharaf Hussain

Exposure to information on family planning and its impact on fertility behaviour: evidence from Pakistan , Rimsha Irfan

Standard bases for modules over polynomial subalgebras , Nazish Kanwal

The asymmetric effect of interest rates on housing and plot prices , Shahbaz Lalani

Comparison of multidimensional and money metric poverty: insights from PSLM surveys , Muhammad Ali Raza

Deep habits: fiscal policy and banking implications , Danish Us Salam

Submissions from 2020 2020

Institutional quality and the economy , Ali Ahmed

Stress testing banks using the new Keynesian DSGE framework , Muhammad Shamil Akbar

Challenges in liquidity management faced by Islamic banking industry of Pakistan , Ehtisham Ali

A medium size macro-econometric model of Pakistan’s economy , Ijaz Ali

Hermitian Ricci Tensor of Twistor Space , Hafiza Rumlah Amer

Impact of Islamic banking on financial inclusion and economic growth , Ammar Awais

Assessment and comparison of wind potential of Berkhout and Debilt towns of Netherlands , Farheen Feroz

The determinants of household poverty and expenditure Inequality in Pakistan: evidence from the household income and expenditure survey , Afsah Khalid

Preemptive priority based data fragmentation scheme for heterogenous traffic in Wireless Sensor Networks (WSNs) , Anwar Ahmed Khan

(De) homogenization of Grobner basis for modules in a polynomial ring , Sanam Mehboob

Under-five mortality in Pakistan: the role of breastfeeding and immunization , Sumaya Falak Memon

Dust exposure and compensating wage differential: empirical evidence from textile industry of Karachi , Muhammad Zia Muneer

Performance of shariah compliant versus non shariah compliant listed companies: case study of Pakistan , Shaikh Noman

Diamond-Alpha Ostrowski Type inequalities on time scales , Danish Hafeez Rana

Re-examining the determinants of bond market development in Asia , Daniya Rana

The disposition effect in Pakistani investors , Sadaf Rauf

Estimating and forecasting term structure on interest rate (which three-factor affine model is better?) , Fatima Sadik

Infinitesimal Regulator in H3cts (GL2) (C€)), C) and Beilinson Element in H4D (BGL2(C€)), R(2)) , Muhammad Ashar Tafhim

Sierpinski cubical singular homology for finite spaces , Syed Hadi Ali Zaidi

Submissions from 2019 2019

Stock marker anomalies: empirical evidence from Pakistan Stock Exchange (PSX) , Naima Aziz

A framework of adaptive decision making for a team of autonomous agents , Asma Sanam Larik

Impact of exclusive breastfeeding and consultation with lady health workers on diarrhea in children under 5 years of age in Pakistan , Kiran Naseem

Submissions from 2018 2018

An investigation into the causes of low elasticity and buoyancy of major taxes in Pakistan : a historical perspective , Hania Afzal

Analog of Groebner bases in a polynomial ring with countably infinite indeterminates , Nazia Jabeen

An investigation into the determinants of maternal healthcare behavior in developing world , Muhammad Naumair Jadoon

Morphisms between additive higher Chow groups and cyclic variant of infinitesimal dilogarithm , Syed Ahsan Kamal

Stock market integration in South Asia: a multivariate GARCH with dynamic conditional correlations approach , Shah Munir Khan

Determinants of halal meat import demand in OIC countries: static & dynamic augmented trade Gravity Model , Imran Majeed

Understanding formal and informal financial inclusion in Pakistan – comparative study with Tanzania , Kanza Nauman

Analog of M-Grobner basis in convergent power series ring , Imran Shaheen

A study on channel polling mechanisms for wireless sensor networks , Shama Siddiqui

The impact of various entrepreneurial interventions during the business plan , Syed Waleed Mehmood Wasti

Submissions from 2017 2017

Comparison of forecasting performance of DSGE and VAR Models : the case of Pakistan , Shahzad Ahmed

Impact of corruption on economic growth through government size: an empirical analysis of three South Asian economies , Imran Ali

Welfare cost of inflation in Pakistan , Sumaira Ghafoor

Capital structure and corporate governance: evidence from Pakistan , Uroosa Jeelani

Trade openness and corruption , Ghazala Khan

Impact of indoor air pollution from cooking with solid fuels on the respiratory health of children :evidence from Pakistan , Mohammad Shayan Babar Khan

Two essays on behavioural finance issues in Pakistan stock market , Tayyaba Sami Khan

Cost efficiency of Pakistani banks: a stochastic frontier analysis , Shoaib Amin Sajwani

Guided personal learning environment model , Zaffar Ahmed Shaikh

Determinants of profit made by banks in developing countries , Sara Sharieff

Asymmetric effects of exchange rate changes on trade balances: Pakistan versus 20 major trading partners , Mutahir Sultan

Food consumption patterns and nutritional disparity evidence from Pakistan , Syed Masroor Hussain Zaidi

Submissions from 2016 2016

(DE) homogenization of Sagbi bases in free associative algebras , Anum Abbas

Impact of public-private-partnership programs on student's learning outcomes: evidence from a Quasi-experiment , Fatima Hafeez

A juxtaposition of tax expenditures and direct expenditures: case study of the manufacturing sector of Pakistan , Shagufta Hussain Lakdawala

Political and economic determinants of private investment: a case of developing and developed countries , Hasaan Anwar Mohiuddin

Approximate analytic solution of Hodgkin-Huxley equations , Khairun Nisa

A dynamic open economy model of aid-growth nexus in Pakistan , Sidra Rasool

Returns to Education and wage inequality in Pakistan: A quantile regression analysis , Syeda Subika Rizvi

Profitability and predictability of momentum investment strategy for stocks listed on Pakistan Stock Exchange , Sana Tauseef

Exchange rate pass through to consumer price: a TVP VAR analysis for Pakistan , Muhammad Zahid

On alleged defects in black-hole mathematics: black hole existence controversies hinging on solution of field equation , Muhammad Zikrya

Submissions from 2015 2015

Geometric mutigrid method with variable grid coarsening parameters, optimal parameters, analysis, and experimentation , Muhammad Shahid Ashraf

Existence of holomorphic functions with respect to almost complex structure on twistor spaces , Touseef Haider

Essays in land inequality, agrarian transition and agriculture taxation in Pakistan , Asim Bashir Khan

What influences the decision to opt for entrepreneurship? , Talha Nadeem

Child laborers and idle children: a provincial analysis of Punjab and Baluchistan , Sarah Nasir

Team learning from demonstration (Tlfd) , Syeda Saleha Raza

Homogeneous sagbi basis , Sarah Sarfaraz

Functor and categorical representation of Polylogarithmic groups , Muhammad Sami Siddiqui

Submissions from 2014 2014

Investment in non-financial corporations: a case of Pakistan , Ijaz Hussain Bajwa

A framework for the development of executable systems architecture , Imran Khan

Explaining stock returns in Pakistan: the CAPM, FAMA-French model and the Carhart model , Azam Yahya

Submissions from 2013 2013

Willingness to pay for improved water supply services in Karachi , Sidrat Asim

Load based approach for backoff process modeling & queuening analysis of IEEE 802.11 based wirless LANs , Syed Muhammad Faisal Iradat

Macroeconomic determinants of workers' remittances in Pakistan , Mirza Kaleem Ullah

Submissions from 2011 2011

A Bayesian network and ontology based semantic annotation framework , Quratulain Rajput

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Research Topics & Ideas: Finance

PS – This is just the start…

We know it’s exciting to run through a list of research topics, but please keep in mind that this list is just a starting point . To develop a suitable education-related research topic, you’ll need to identify a clear and convincing research gap , and a viable plan of action to fill that gap.

Overview: Finance Research Topics

• Corporate finance topics
• Investment banking topics
• Private equity & VC
• Asset management
• Hedge funds
• Financial planning & advisory
• Quantitative finance
• Treasury management
• Financial technology (FinTech)
• Commercial banking
• International finance

Corporate Finance

These research topic ideas explore a breadth of issues ranging from the examination of capital structure to the exploration of financial strategies in mergers and acquisitions.

• Evaluating the impact of capital structure on firm performance across different industries
• Assessing the effectiveness of financial management practices in emerging markets
• A comparative analysis of the cost of capital and financial structure in multinational corporations across different regulatory environments
• Examining how integrating sustainability and CSR initiatives affect a corporation’s financial performance and brand reputation
• Analysing how rigorous financial analysis informs strategic decisions and contributes to corporate growth
• Examining the relationship between corporate governance structures and financial performance
• A comparative analysis of financing strategies among mergers and acquisitions
• Evaluating the importance of financial transparency and its impact on investor relations and trust
• Investigating the role of financial flexibility in strategic investment decisions during economic downturns
• Investigating how different dividend policies affect shareholder value and the firm’s financial performance 

Investment Banking

The list below presents a series of research topics exploring the multifaceted dimensions of investment banking, with a particular focus on its evolution following the 2008 financial crisis.

• Analysing the evolution and impact of regulatory frameworks in investment banking post-2008 financial crisis
• Investigating the challenges and opportunities associated with cross-border M&As facilitated by investment banks.
• Evaluating the role of investment banks in facilitating mergers and acquisitions in emerging markets
• Analysing the transformation brought about by digital technologies in the delivery of investment banking services and its effects on efficiency and client satisfaction.
• Evaluating the role of investment banks in promoting sustainable finance and the integration of Environmental, Social, and Governance (ESG) criteria in investment decisions.
• Assessing the impact of technology on the efficiency and effectiveness of investment banking services
• Examining the effectiveness of investment banks in pricing and marketing IPOs, and the subsequent performance of these IPOs in the stock market.
• A comparative analysis of different risk management strategies employed by investment banks
• Examining the relationship between investment banking fees and corporate performance
• A comparative analysis of competitive strategies employed by leading investment banks and their impact on market share and profitability

Private Equity & Venture Capital (VC)

These research topic ideas are centred on venture capital and private equity investments, with a focus on their impact on technological startups, emerging technologies, and broader economic ecosystems.

• Investigating the determinants of successful venture capital investments in tech startups
• Analysing the trends and outcomes of venture capital funding in emerging technologies such as artificial intelligence, blockchain, or clean energy
• Assessing the performance and return on investment of different exit strategies employed by venture capital firms
• Assessing the impact of private equity investments on the financial performance of SMEs
• Analysing the role of venture capital in fostering innovation and entrepreneurship
• Evaluating the exit strategies of private equity firms: A comparative analysis
• Exploring the ethical considerations in private equity and venture capital financing
• Investigating how private equity ownership influences operational efficiency and overall business performance
• Evaluating the effectiveness of corporate governance structures in companies backed by private equity investments
• Examining how the regulatory environment in different regions affects the operations, investments and performance of private equity and venture capital firms

Need a helping hand?

Asset Management

This list includes a range of research topic ideas focused on asset management, probing into the effectiveness of various strategies, the integration of technology, and the alignment with ethical principles among other key dimensions.

• Analysing the effectiveness of different asset allocation strategies in diverse economic environments
• Analysing the methodologies and effectiveness of performance attribution in asset management firms
• Assessing the impact of environmental, social, and governance (ESG) criteria on fund performance
• Examining the role of robo-advisors in modern asset management
• Evaluating how advancements in technology are reshaping portfolio management strategies within asset management firms
• Evaluating the performance persistence of mutual funds and hedge funds
• Investigating the long-term performance of portfolios managed with ethical or socially responsible investing principles
• Investigating the behavioural biases in individual and institutional investment decisions
• Examining the asset allocation strategies employed by pension funds and their impact on long-term fund performance
• Assessing the operational efficiency of asset management firms and its correlation with fund performance

Hedge Funds

Here we explore research topics related to hedge fund operations and strategies, including their implications on corporate governance, financial market stability, and regulatory compliance among other critical facets.

• Assessing the impact of hedge fund activism on corporate governance and financial performance
• Analysing the effectiveness and implications of market-neutral strategies employed by hedge funds
• Investigating how different fee structures impact the performance and investor attraction to hedge funds
• Evaluating the contribution of hedge funds to financial market liquidity and the implications for market stability
• Analysing the risk-return profile of hedge fund strategies during financial crises
• Evaluating the influence of regulatory changes on hedge fund operations and performance
• Examining the level of transparency and disclosure practices in the hedge fund industry and its impact on investor trust and regulatory compliance
• Assessing the contribution of hedge funds to systemic risk in financial markets, and the effectiveness of regulatory measures in mitigating such risks
• Examining the role of hedge funds in financial market stability
• Investigating the determinants of hedge fund success: A comparative analysis

Financial Planning and Advisory

This list explores various research topic ideas related to financial planning, focusing on the effects of financial literacy, the adoption of digital tools, taxation policies, and the role of financial advisors.

• Evaluating the impact of financial literacy on individual financial planning effectiveness
• Analysing how different taxation policies influence financial planning strategies among individuals and businesses
• Evaluating the effectiveness and user adoption of digital tools in modern financial planning practices
• Investigating the adequacy of long-term financial planning strategies in ensuring retirement security
• Assessing the role of financial education in shaping financial planning behaviour among different demographic groups
• Examining the impact of psychological biases on financial planning and decision-making, and strategies to mitigate these biases
• Assessing the behavioural factors influencing financial planning decisions
• Examining the role of financial advisors in managing retirement savings
• A comparative analysis of traditional versus robo-advisory in financial planning
• Investigating the ethics of financial advisory practices

The following list delves into research topics within the insurance sector, touching on the technological transformations, regulatory shifts, and evolving consumer behaviours among other pivotal aspects.

• Analysing the impact of technology adoption on insurance pricing and risk management
• Analysing the influence of Insurtech innovations on the competitive dynamics and consumer choices in insurance markets
• Investigating the factors affecting consumer behaviour in insurance product selection and the role of digital channels in influencing decisions
• Assessing the effect of regulatory changes on insurance product offerings
• Examining the determinants of insurance penetration in emerging markets
• Evaluating the operational efficiency of claims management processes in insurance companies and its impact on customer satisfaction
• Examining the evolution and effectiveness of risk assessment models used in insurance underwriting and their impact on pricing and coverage
• Evaluating the role of insurance in financial stability and economic development
• Investigating the impact of climate change on insurance models and products
• Exploring the challenges and opportunities in underwriting cyber insurance in the face of evolving cyber threats and regulations

Quantitative Finance

These topic ideas span the development of asset pricing models, evaluation of machine learning algorithms, and the exploration of ethical implications among other pivotal areas.

• Developing and testing new quantitative models for asset pricing
• Analysing the effectiveness and limitations of machine learning algorithms in predicting financial market movements
• Assessing the effectiveness of various risk management techniques in quantitative finance
• Evaluating the advancements in portfolio optimisation techniques and their impact on risk-adjusted returns
• Evaluating the impact of high-frequency trading on market efficiency and stability
• Investigating the influence of algorithmic trading strategies on market efficiency and liquidity
• Examining the risk parity approach in asset allocation and its effectiveness in different market conditions
• Examining the application of machine learning and artificial intelligence in quantitative financial analysis
• Investigating the ethical implications of quantitative financial innovations
• Assessing the profitability and market impact of statistical arbitrage strategies considering different market microstructures

Treasury Management

The following topic ideas explore treasury management, focusing on modernisation through technological advancements, the impact on firm liquidity, and the intertwined relationship with corporate governance among other crucial areas.

• Analysing the impact of treasury management practices on firm liquidity and profitability
• Analysing the role of automation in enhancing operational efficiency and strategic decision-making in treasury management
• Evaluating the effectiveness of various cash management strategies in multinational corporations
• Investigating the potential of blockchain technology in streamlining treasury operations and enhancing transparency
• Examining the role of treasury management in mitigating financial risks
• Evaluating the accuracy and effectiveness of various cash flow forecasting techniques employed in treasury management
• Assessing the impact of technological advancements on treasury management operations
• Examining the effectiveness of different foreign exchange risk management strategies employed by treasury managers in multinational corporations
• Assessing the impact of regulatory compliance requirements on the operational and strategic aspects of treasury management
• Investigating the relationship between treasury management and corporate governance

Financial Technology (FinTech)

The following research topic ideas explore the transformative potential of blockchain, the rise of open banking, and the burgeoning landscape of peer-to-peer lending among other focal areas.

• Evaluating the impact of blockchain technology on financial services
• Investigating the implications of open banking on consumer data privacy and financial services competition
• Assessing the role of FinTech in financial inclusion in emerging markets
• Analysing the role of peer-to-peer lending platforms in promoting financial inclusion and their impact on traditional banking systems
• Examining the cybersecurity challenges faced by FinTech firms and the regulatory measures to ensure data protection and financial stability
• Examining the regulatory challenges and opportunities in the FinTech ecosystem
• Assessing the impact of artificial intelligence on the delivery of financial services, customer experience, and operational efficiency within FinTech firms
• Analysing the adoption and impact of cryptocurrencies on traditional financial systems
• Investigating the determinants of success for FinTech startups

Commercial Banking

These topic ideas span commercial banking, encompassing digital transformation, support for small and medium-sized enterprises (SMEs), and the evolving regulatory and competitive landscape among other key themes.

• Assessing the impact of digital transformation on commercial banking services and competitiveness
• Analysing the impact of digital transformation on customer experience and operational efficiency in commercial banking
• Evaluating the role of commercial banks in supporting small and medium-sized enterprises (SMEs)
• Investigating the effectiveness of credit risk management practices and their impact on bank profitability and financial stability
• Examining the relationship between commercial banking practices and financial stability
• Evaluating the implications of open banking frameworks on the competitive landscape and service innovation in commercial banking
• Assessing how regulatory changes affect lending practices and risk appetite of commercial banks
• Examining how commercial banks are adapting their strategies in response to competition from FinTech firms and changing consumer preferences
• Analysing the impact of regulatory compliance on commercial banking operations
• Investigating the determinants of customer satisfaction and loyalty in commercial banking

International Finance

The folowing research topic ideas are centred around international finance and global economic dynamics, delving into aspects like exchange rate fluctuations, international financial regulations, and the role of international financial institutions among other pivotal areas.

• Analysing the determinants of exchange rate fluctuations and their impact on international trade
• Analysing the influence of global trade agreements on international financial flows and foreign direct investments
• Evaluating the effectiveness of international portfolio diversification strategies in mitigating risks and enhancing returns
• Evaluating the role of international financial institutions in global financial stability
• Investigating the role and implications of offshore financial centres on international financial stability and regulatory harmonisation
• Examining the impact of global financial crises on emerging market economies
• Examining the challenges and regulatory frameworks associated with cross-border banking operations
• Assessing the effectiveness of international financial regulations
• Investigating the challenges and opportunities of cross-border mergers and acquisitions

Choosing A Research Topic

These finance-related research topic ideas are starting points to guide your thinking. They are intentionally very broad and open-ended. By engaging with the currently literature in your field of interest, you’ll be able to narrow down your focus to a specific research gap .

When choosing a topic , you’ll need to take into account its originality, relevance, feasibility, and the resources you have at your disposal. Make sure to align your interest and expertise in the subject with your university program’s specific requirements. Always consult your academic advisor to ensure that your chosen topic not only meets the academic criteria but also provides a valuable contribution to the field. 

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thank you for suggest those topic, I want to ask you about the subjects related to the fintech, can i measure it and how?

Please guide me on selecting research titles

I am doing financial engineering. , can you please help me choose a dissertation topic?

I’m studying Banking and finance (MBA) please guide me on to choose a good research topic.

I am studying finance (MBA) please guide me to choose a good research topic.

I’m studying Master in Islamic Banking and Finance.

Can you suggest a good research topic. Please

I’m doing Masters in Islamic Banking and Finance. Would you kindly suggest a good research topic. Please

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Fintech and Financial Inclusion in Pakistan: An Exploratory Study

• First Online: 02 July 2020

Cite this chapter

• Hassnian Ali 7 &
• Rose Abdullah 8  

Part of the book series: Palgrave Studies in Islamic Banking, Finance, and Economics ((IBFE))

737 Accesses

2 Citations

Fintech has the potential of promoting financial inclusion in terms of secured digital payments, financing, InsureTech, and investments through crowdfunding and P2P lending to unserved or less served businesses, start-ups, and segments of the population. Fintech is deployed using the latest technologies such as big data analytics, clouds, Internet of Things, blockchain, and artificial intelligence to provide highly secured, instant, easy-to-access, easy-to-use, low-cost, and finally more customer-centric financial services and products. For Fintech to boost Islamic financial inclusion, shariah compatibility in the applications is necessary. Empirical evidence shows that Pakistan is a highly financially exclusive country. This study provides an overview of financial inclusion and digital finance status in Pakistan, a comparative analysis of information and communication technologies (ICT) environment, and Pakistan’s performance in ICTs. This study elucidates the potential of Fintech applications and proposes a pragmatic scheme to develop a Fintech ecosystem capable of achieving the goal of financial inclusion in Pakistan.

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Ali, H., Abdullah, R. (2020). Fintech and Financial Inclusion in Pakistan: An Exploratory Study. In: Elzahi Saaid Ali, A., Ali, K., Khaleequzzaman, M. (eds) Enhancing Financial Inclusion through Islamic Finance, Volume I. Palgrave Studies in Islamic Banking, Finance, and Economics. Palgrave Macmillan, Cham. https://doi.org/10.1007/978-3-030-39935-1_9

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" CASE STUDY OF PAKISTAN TELECOMMUNICATION COMPANY LIMITED " [FINANCE THESIS]A)-IV

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A harbor in the tempest: megaprojects, identity, and the politics of place in Gwadar, Pakistan

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This dissertation seeks to understand the ways in which Pakistani government’s attempts to initiate large-scale infrastructure development projects in Balochistan Province have transformed its social and political landscape. Ethnographically, the study focuses on Gwadar, a small coastal town in Pakistan’s western Balochistan Province to show how colonial and postcolonial projects of progress and development suppress or subsume other kinds of lived geographies and imaginations of place. Keeping in mind the centrality of everyday experiences in generating social forms, this dissertation describes how development, transnationalism, and ethnic identity are (re)configured. It is based on ethnographic encounters that foreground the lived experiences and imaginations of fishermen from Med kinship and occupational group who occupy a subaltern position within the local status hierarchy in Gwadar. On the one hand, the promise of becoming modern citizens of the future mega city incites new desires and longings among those fishermen that facilitate their incorporation into emergent regimes of labor and entrepreneurship. On the other hand, Pakistani security forces have tightened their control over the local population by establishing a cordon sanitaire around Gwadar Port and the town. These mechanisms of control have disrupted local fishermen s experiences of place and intimate sociality and introduced elements of exclusion, fear, and paranoia. By interrupting the fishermen s expectations of their rightful place in the city, it compels them to think of alternate ways to confront the state’s development agenda, including peaceful protest and armed struggle. The dissertation concludes, tentatively, that the imposition of political violence by state authorities that accompanies the structural violence of mega infrastructure projects tends to create a mirror effect whereby the victims of development adopt a language of violence and a different idiom of identity.

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Inclusive Insurance and Risk Financing in Pakistan: Snapshot and Way Forward 2024

Inclusive Insurance and Risk Financing in Pakistan

September 3, 2024

Pakistan faces a plethora of natural disaster risks, which include floods, droughts, earthquakes, tropical cyclones, heat waves and glacial lake outburst floods, making it one of the top ten countries in the world most exposed to a wide range of natural disasters. The increasing frequency and severity of disasters, exacerbated by limited coping capacity, has historically been a major fiscal challenge for the government. Although a comprehensive Disaster Risk Management Regulatory and Institutional Framework is in place but its focus is primarily on Disaster Risk Reduction measures & Post-disaster Operations, with Disaster Risk Finance, remaining the missing link. As a result, most of the large natural disaster risks are still being retained on government books with negligible budget allocations. This huge funding gap is aggravated by a severe protection gap, created by the low insurance penetration in the country, which stands at a mere 0.87% of its GDP. Whereas natural disaster insurance premium written primarily for the financial sector, amounted to PKR 48.8 billion for the year 2022, the total inclusive insurance premium was PKR 4.3 billion with only 17.5 million insured lives.[1] 

Fully cognizant of the rising fiscal pressure caused by the absence of disaster risk finance instruments, and increasing vulnerable population, the government has recently approved the National Disaster Risk Financing Strategy (NDRFS)) which recommends the deployment of sovereign and private sector risk transfer instruments for fiscal resilience. The launch of ‘Pakistan Diagnostic Summary Report’ by IRRF, demonstrates its commitment to support this important government initiative, by presenting a high- level overview of the current status of inclusive insurance and disaster risk financing in Pakistan, along with a set of recommendations, which aim to facilitate informed decision making by policy makers.

• Unlocking the potential of micro and inclusive Insurance in Pakistan-SECP, 16/04/ 2024

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Applied dna bags lrqa isotopic testing pilot project in pakistan.

Under the terms of the subcontract, Applied DNA, together with its traceability partner, Isotech (a Stratum Reservoir company), will employ CertainT to conduct isotopic testing and analysis to support cotton traceability in Pakistan.

The financial terms of the subcontract were not disclosed.

Applied DNA explained the project engages with trace experts, global brands, Pakistan’s cotton sector, and worker organisations to design, implement, and assess the pilot trace tool to improve its future application and develop publicly available commodity-agnostic trace resources for enhanced due diligence.

The subcontract was said to have been issued in support of the Global Trace Protocol project, a US Department of Labour-funded initiative implemented by LRQA (known as ELEVATE during the project’s inception) that is designed to reduce child and forced labour in global supply chains through traceability.

Applied DNA said the company along with Isotech will use best practices in the isotopic analysis of raw materials and products at key points in the cotton textile value chain to align with the project's overarching goals.

Some of the testing components include the use of isotope ratio mass spectrometry (IRMS) on samples from farms, gins, yarn spinners, and mills/manufacturing units identified by the project.

CertainT will establish a baseline as part of the framework pilot project for isotope testing and analyses.

According to LRQA's director of the Global Trace Protocol project Jeff Wheeler, new import regulations and legislation now require extra documentation to verify cotton origin and ensure that cotton does not come from high-risk sources.

Wheeler said: "The Global Trace Protocol project is developing traceability technology tools that provide greater transparency and integrity to textile value chains globally, including through our work with Applied DNA."

Applied DNA's vice president MeiLin Wan added: "Our CertainT platform employs isotope testing as well as DNA tagging and genomic testing as forensic authentication technologies to establish traceability to prove origin. Our recent announcement with Indus Apparel of isotope testing with DNA tagging showcases the scalability and accessibility of cotton authentication technologies that will also help Pakistan’s cotton industry to enable compliance with US import regulations and similar enforcement in other geographies."

Applied DNA's CertainT is a textiles traceability platform that uses forensic, multiple-proof-point evidence to enable source and authenticity verification of materials and products at any point as they are transformed through global supply chains.

LRQA is described as having decades of expertise in assessment, advisory, inspection, and cybersecurity services.

In 2021 Applied DNA collaborated with Stratum Reservoir (Isotech) , a specialist in laboratory staple isotope analysis – a technique used for fingerprinting naturally occurring organic compounds such as cotton – to bolster cotton traceability research.

"Applied DNA bags LRQA isotopic testing pilot project in Pakistan" was originally created and published by Just Style , a GlobalData owned brand.

The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

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Wall Street surges, follows European stocks higher on rate cut hopes

U.S. stocks moved higher on Monday, following their European counterparts, as markets looked ahead to key data and actions from central banks.

There's a major flaw in the stock market's most bullish thesis

• Money market funds won't save the stock market from a painful decline, Bank of America says.
• A 25-basis point Fed rate cut won't change the behavior of savers, according to the bank.
• If cash does leave money market funds, it won't flow to stocks.

The $6 trillion in money market funds will not save the stock market from a painful decline.

A common component of the bullish thesis for stocks over the past year is that trillions of dollars of sidelined cash are set to flood the stock market once the Federal Reserve cuts interest rates, putting downward pressure on the juicy, risk-free 5% yield most money market funds offer.

But Bank of America says not so fast, offering two structural reasons money market funds won't be the catalyst for a continued bull rally many investors expect.

First, a measly 25-basis point interest rate cut from the Fed likely won't change the behavior of savers, as a cash yield of closer to 4% would still be a lot better than near-0% rates offered from 2009 through 2021.

An interest rate decline of hundreds of basis points wouldn't do the trick either, according to the bank.

"Historically, MMF [Money Market Fund] AUM growth y/y is typically positive unless front-end rates <2%," Bank of America rates strategist Mark Cabana said in a note on Thursday.

According to Cabana, for money market funds to see negative outflows, the Fed would need to cut rates by at least 300 basis points, and that's not scheduled to happen anytime soon.

"Fed cuts will see MMF inflows slow but remain positive unless rates near zero," Cabana said.

The December 2025 target for the federal funds rate is just above 3%, according to the CME FedWatch Tool.

The second issue is that even if the Fed were to substantially cut interest rates and spark a wave of redemptions from money market funds, that cash probably wouldn't flow into the stock market.

According to Cabana, bonds would be the big beneficiary instead because money market funds compete mainly with checking accounts that offer near 0% yields rather than stocks.

"If MMF outflows happen cash likely to move into higher yielding fixed income, not equities. MMF to equities = bridge too far," Cabana said.

Stock market bulls should ultimately retire the idea that trillions of dollars of money market funds will help buoy stock prices, the analysts said.

"MMF cash should remain sidelined from a risk taking perspective," Cabana concluded.

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Thousands rally in Pakistan for release of former prime minister Khan

Thousands rallied in the Pakistani capital on Sunday demanding release of former prime minister Imran Khan, who has been behind bars for more than a year, amid a deepening political turmoil in the country.

Khan's Pakistan Tehreek-e-Insaf (PTI) party organized the rally, marking its first show of power since the disputed February general elections.

Local media did not provide live coverage of the event, held on the outskirts of the capital. Images and videos posted on the social media platform X show Khan’s supporters marching towards the capital from various parts of the country.

The PTI accused authorities of harassing workers to suppress attendance at the rally. The city's administration blocked key entry points into Islamabad, with shipping containers and riot police deployed to prevent possible unrest.

"We will not rest until Khan is released from jail,” said Khan’s close aide Hammad Azhar in the opening speech that set the tone of the rally.

Khan is the only person who can save this country from the clutches of corrupt and incompetent politicians, said Salman Akram Raja, a prominent lawyer and PTI leader from Lahore.

Khan has been in jail since August 2023 and is facing trial for allegedly inciting violence on May 9 of that year - the day when his supporters went on a rampage and attacked military installations, something that had never happened before.

Khan denies the allegations. All of his convictions have been either suspended or overturned in recent months.

However, an unprecedented arrest and subsequent court martial of a former spy chief, who is widely believed to have been close to Khan when he was prime minister, has complicated his case.

Chinese budget smartphone brand Transsion says finance head detained in investigation

The shenzhen-based firm, which makes handsets targeting developing markets such as africa, did not say why its financial director is being investigated.

The Shenzhen-based budget handset maker said it received notice on Friday of a lien and a case filing issued by the district supervisory committee of Dandong, a city in northeastern Liaoning province, claiming its financial director Xiao Yonghui was detained as part of an investigation.

“As of the filing date, the company is not aware of the progress or conclusion of the investigation,” it said in its filing with the Shanghai Stock Exchange. It did not specify why Xiao is being investigated.

The company’s board said in the filing that the it has a comprehensive governance and internal control structure, and the incident will not have a significant impact on operations.

Transsion did not immediately respond to a request for comment on Saturday.

The rise of Chinese smartphones