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FINTECH'S ROLE IN SUSTAINABLE BANKING PERFORMANCE: ARE GREEN BANKING POLICIES DRIVING SUSTAINABILITY IN PAKISTAN'S BANKING SYSTEM? 金融科技在可持续银行绩效中的作用:绿色银行政策是否推动了巴基斯坦银行体系的可持续性?
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-04
Samina Naz, Muhammad Asif, Salman Hameed
The technology pervades every aspect of business operations, making it impossible for any organization to evade its presence. The delight of the customer is now the priority of the organization. Adopting the sustainable practice of using fintech to facilitate the customer with ease is the game now for every bank in Pakistan and it needs serious attention. This study explored this gap and added facilitation aspect of green banking practices to the loop. Without the sustainable developmental goals-SDG, no business sees its future growing. Adoption of fintech is one of them. State Bank of Pakistan also promulgated green banking regulation in 2017, which forces the banks to adopt green banking practices in finance, operational, and daily routines of the personnel. Our explanatory, quantitative study assessed the effect of fintech on sustainable green practices and the bank's green practice activities as a mediator through a questionnaire consisting of 31 questions filled by 302 banking professionals in Karachi, Pakistan, & found that the green banking activities mediated the relationship between the fintech adoption and sustainable banking practices but the direct effect of fintech is found to be insignificant as local environment and the mindset of the employee is not ready for it. The study provide vauable information and recommendations.
这项技术渗透到商业运作的各个方面,使任何组织都不可能逃避它的存在。顾客的满意现在是组织的首要任务。采用可持续的做法,利用金融科技为客户提供便利,这是巴基斯坦每家银行现在的游戏,需要认真关注。本研究探讨了这一差距,并在循环中增加了绿色银行实践的便利方面。没有可持续发展目标(sdg),任何企业都看不到未来的增长。金融科技的采用就是其中之一。巴基斯坦国家银行也于2017年颁布了绿色银行监管规定,迫使银行在财务、运营和人员日常工作中采用绿色银行做法。我们的解释性定量研究评估了金融科技对可持续绿色实践和银行绿色实践活动的影响,并通过一份由巴基斯坦卡拉奇的302名银行专业人士填写的31个问题组成的问卷,作为中介;发现绿色银行活动中介了金融科技采用与可持续银行实践之间的关系,但发现金融科技的直接影响不显著,因为当地环境和员工的心态还没有准备好。该研究提供了有价值的信息和建议。
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引用次数: 0
FINANCIAL LITERACY & FINANCIAL PLANNING FOR RETIREMENT IN PAKISTAN: CASE OF ACADEMICIANS IN PUBLIC UNIVERSITIES OF KP 金融知识&;巴基斯坦的退休财务规划:以KP公立大学院士为例
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-06
Jazish-Ul-Wahab Bhabha, Raza Ullah Shah
This study aimed to analysis financial literacy level and financial planning for retirement willingness of academicians in public universities of KP. Financial planning for the retirement and financial literacy has been a discussionable topic among researcher in the recent times because of their contribution in planning for peaceful life after retirement. In this paper researcher analyze financial planning for retirement and level of financial literacy academicians in public universities of KP, Pakistan. Quantitative research design was used and data was collected by using survey approach via convenient sampling. Questionnaire was distributed among sampled population of 275 different scale teachers. After analysis by using SPSS 25v findings elaborates positive and significant association among the study variables. The findings reveals that academicians who have enough financial knowledge are worried & steps forward for future financial strategies for life after retirement. They are looking for investment which will give them good & save returns in future. Results of study are helpful for financial institutions & government to divert focus toward financial literacy of individuals which helps them in making financial plans for retirement effectively. Faculty could use study's findings to develop curriculum that addresses impact of financial literacy on financial planning for retirement outcomes.
本研究旨在分析KP公立大学院士的财务素养水平与财务规划对退休意愿的影响。退休后的财务规划和财务素养是近年来研究者们讨论的一个话题,因为它们对退休后的平静生活的规划做出了贡献。本文研究人员分析了巴基斯坦KP公立大学院士的退休理财计划和理财素养水平。采用定量研究设计,采用方便抽样的调查方法收集资料。对275名不同规模的教师进行问卷调查。在使用SPSS 25v分析后,研究结果阐述了研究变量之间的正相关和显著相关。研究结果表明,拥有足够金融知识的院士们对此感到担忧。为退休后的生活制定未来的财务策略。他们正在寻找能给他们带来好处的投资。为将来节省回报。研究结果对金融机构有一定的借鉴意义。政府应该把重点转移到个人的金融知识,帮助他们有效地制定退休财务计划。教师可以利用研究结果来开发课程,以解决金融知识对退休后财务规划的影响。
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引用次数: 0
ASSESSING THE ROLE OF TEACHERS & PARENTS IN DEVELOPING STRATEGIES AGAINST SOCIAL MEDIA MISUSE AMONG STUDENTS 评估教师的角色& &;家长制定策略防止学生滥用社交媒体
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-07
Tauqeer Abdullah, Anwar Ul Haq, Abdul Wahid Qureshi
The study aimed to identify the ways in which social media was misused among secondary school students and how students could be prevented by teachers and parents developing some preventive strategies. This was a quantitative study conducted under a survey research design. All 10th grade students and teachers of secondary schools in Sargodha division, Punjab, Pakistan, made up the total population of the study. A total of 400 individuals were sampled, and of those, 52 teachers and 348 parents provided responses. The data was collected with the help of a self-made questionnaire built on a 5-point Likert scale. In the results, significant evidences of social media misuse were found among students. The study also discovered a substantial impact of parents and teachers’ preventive measures on students’ social media misuse (R2 = 0.72), F (1, 197) = 69.55), p < .001. In conclusion, teachers and parents played an effective role in keeping students from misusing social media by developing some preventive strategies. However, parents and teachers who are unaware of children’s misuse of social media should contribute to preventing them from misusing it.
该研究旨在确定中学生滥用社交媒体的方式,以及教师和家长如何制定一些预防策略来防止学生滥用社交媒体。这是一项定量研究,采用调查研究设计。巴基斯坦旁遮普省萨戈达省中学的所有10年级学生和教师构成了研究的总人数。共有400人接受了抽样调查,其中52名教师和348名家长提供了回复。数据是通过一份自制的李克特5分制问卷收集的。结果显示,在学生中发现了滥用社交媒体的显著证据。研究还发现,家长和教师的预防措施对学生滥用社交媒体有实质性的影响(R2 = 0.72), F (1,197) = 69.55), p <措施。总之,老师和家长通过制定一些预防策略,在防止学生滥用社交媒体方面发挥了有效的作用。然而,没有意识到孩子们滥用社交媒体的家长和老师应该帮助防止他们滥用社交媒体。
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引用次数: 0
POULANTZAS's PARADIGM: RECONCEPTUALIZING POWER AND CLASS IN THE CAPITALIST STATE 普兰查斯的范式:资本主义国家中权力与阶级的重新概念化
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-03
Tariq Rahim
This study argues that Nicos Poulantzas presents nuanced understanding of the state and its mechanisms in capitalist societies. Unlike conventional Marxist perspectives that view the state merely as a tool of oppression for the ruling class, Poulantzas's approach recognizes the potential for popular participation in socialist transformation. His standpoint emphasizes the state as a site of class struggle and highlights its role in establishing, maintaining, and perpetuating the relations of production. It stresses the significance of developing new political subjectivities to challenge the existing structures of power and domination. Poulantzas acknowledges complexities inherent in the state within capitalist societies and rejects deterministic interpretations of its function. He focuses on the various forms of exploitation experienced by subordinate classes across economic, political, and ideological domains. His ideas offer valuable insights into influence of state on socio-economic structures, contributing to debates about the role and purpose of the state. Study offered significant information in reaching conclusion and extracting recommendations.
本研究认为,Nicos Poulantzas对资本主义社会的国家及其机制有细致入微的理解。传统的马克思主义观点认为国家只是统治阶级的压迫工具,普兰查斯的观点不同,他认识到大众参与社会主义转型的潜力。他的观点强调国家是阶级斗争的场所,强调国家在建立、维持和延续生产关系方面的作用。它强调发展新的政治主体性以挑战现有的权力和统治结构的重要性。普兰查斯承认资本主义社会中国家固有的复杂性,并拒绝对其功能的确定性解释。他关注的是从属阶级在经济、政治和意识形态领域所经历的各种形式的剥削。他的观点对国家对社会经济结构的影响提供了有价值的见解,促进了关于国家角色和目的的辩论。研究为得出结论和提出建议提供了重要信息。
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引用次数: 0
GREEN FINANCE BRIDGES THE GAP: IMPACT OF GREEN BANKING PRACTICES ON ENVIRONMENTAL PERFORMANCE 绿色金融弥合差距:绿色银行实践对环境绩效的影响
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-10
Aamir Sohail, Ahmad Saeed, Nazakat Khan
The objective of this research is to examine significant influence of green banking practices on the environmental performance of banks, while also exploring the intermediary role of green finance. Iplementation of green banking practices, which include employee-related, operation-related, and customer-related initiatives, significantly influences environmental impact of banks. It is crucial for understanding the intricate relationship amid these practices and their impact on environmental performance in framework of sustainable banking. In order to accomplish these aims, thorough empirical investigation was undertaken. Research used a standardized questionnaire survey method to gather data from a heterogeneous sample of the banks operating in different geographical areas. Study used statistical methods, namely regression analysis as well as mediation analysis, to investigate the associations and mediation effects within conceptual framework. Results of study are statistically significant. Research revealed a significant mediating influence of green financing on the relationship between green banking practices and the environmental performance of banks. This highlights the crucial role of funding in translating sustainable activities into measurable environmental results.
本研究的目的是检验绿色银行实践对银行环境绩效的显著影响,同时探索绿色金融的中介作用。绿色银行实践的实施,包括与员工相关、与运营相关和与客户相关的举措,对银行的环境影响有重大影响。理解这些实践之间的复杂关系及其对可持续银行业务框架中环境绩效的影响至关重要。为了实现这些目标,进行了彻底的实证调查。研究采用标准化的问卷调查方法,从不同地理区域经营的银行的异质样本中收集数据。本研究采用回归分析和中介分析等统计方法,在概念框架内探讨了相关关系和中介效应。研究结果具有统计学意义。研究发现,绿色融资对绿色银行实践与银行环境绩效之间的关系具有显著的中介作用。这突出了资金在将可持续活动转化为可衡量的环境成果方面的关键作用。
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引用次数: 0
INFLUENCE OF MOTHER TONGUE ON DEVELOPMENT OF L2 WRITING SKILLS AMONG MIDDLE-SCHOOL STUDENTS 母语对中学生第二语言写作能力发展的影响
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-09
Sadia Mushtaq, Muzammil Haider, Nayyer Hassan
Learning another language which is crucial for academic and professional purposes has been an important focus of research. While learning second language, certain forces related to the language affect this process. One of those forces is the interest of this study. Thus, current study investigates how the mother tongue affects students writing abilities, who are taking English as a compulsory subject in middle school whose native languages are Urdu and Punjabi. Without language, education process in classroom would not be possible. Students experience difficulties in native language when speaking and writing English due to interference. Current research focuses on influence of mother tongue on Pakistani pupils' development of writing skills while studying English as compulsory subject in the classroom. A random sample of 50 pupils in grades 6, 7, & 8 aged amid 11-14 years was chosen from 3 schools, all speaking Urdu & Punjabi as their mother tongues. The Contrastive Analysis Model developed by Robert Lado (1957), proposed by Ellis (1985) was used to analyse data. Results reveal that errors in word order, grammar, & spelling were caused by L1's interference in pupils' writing in target language. Findings suggest that teachers should do the need analysis of the students at beginning of sessions with help of relevant and appropriate tools.
学习另一种语言对学术和专业目的至关重要,一直是研究的重要焦点。在学习第二语言的过程中,与语言相关的某些力量会影响这一过程。这些力量之一就是这项研究的兴趣。因此,本研究旨在探讨母语如何影响以英语为必修课,母语为乌尔都语和旁遮普语的中学生的写作能力。没有语言,课堂教学过程就无从谈起。由于干扰,学生在说英语和写英语时遇到困难。目前的研究主要集中在母语对巴基斯坦学生在课堂上学习英语作为必修课时写作技能发展的影响。随机抽取了50名六年级、七年级和七年级的学生。从3所学校中选出8名11-14岁的学生,他们都说乌尔都语。旁遮普语作为他们的母语。对比分析模型由Robert Lado(1957)提出,Ellis(1985)提出。结果显示在词序、语法、&拼写错误是由母语对目的语写作的干扰造成的。研究结果表明,教师应在课程开始时借助相关和适当的工具对学生进行需求分析。
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引用次数: 0
LEADERSHIP STYLES OF SCHOOL HEADS AND OVERALL PERFORMANCE OF SECONDARY SCHOOLS IN KP, PAKISTAN 巴基斯坦kp中学校长的领导风格和整体表现
Pub Date : 2023-09-29 DOI: 10.51380/gujr-39-03-05
Muhammad Naeem Khan, Hamid Khan Niazi
The research paper highlights effect of leadership styles of school heads on overall school performance in Khyber Pakhtunkhwa, Pakistan. In this drive, to determine connection between leadership styles & school performance, study used both qualitative & quantitative approaches. Two samples—N1 276—consisting of school heads from 276 schools and (N2 552), consisting of 552 senior school teachers participated in study using the proportionate stratified random sampling. Study explored and analyzed the relationship between the two variables, namely leadership styles of school heads and school performance. The study found that democratic, transformational, transactional and charismatic leadership styles have a positive impact on school performance with calculated values of Pearson Correlation of 0.618, 0.546, 0.422 and 0.412; while autocratic and laissez fair leadership styles were found to have negative impacts on the school performance having negative coefficients of -0.478 and -0.622. The study suggests that school heads should be educated, that training and skills can be provided to all secondary school heads, that the seminars can be regularly organised by parent department for school heads to improve capacity, and that parent Teacher Councils can be strengthened and updated to ensure parental participation in school activities.
研究论文强调了巴基斯坦开伯尔-普赫图赫瓦省学校校长的领导风格对学校整体表现的影响。在这种驱动下,确定领导风格之间的联系;学校表现,研究采用了定性和;定量方法。采用比例分层随机抽样的方法,选取276所学校的校长n1 276份样本和552名高中教师N2 552份样本进行研究。本研究探讨并分析了校长领导风格与学校绩效这两个变量之间的关系。研究发现,民主型、变革型、交易型和魅力型领导风格对学校绩效有正向影响,Pearson相关计算值分别为0.618、0.546、0.422和0.412;专制型和放任型领导风格对学校绩效有负向影响,负向系数分别为-0.478和-0.622。该研究建议,应该对校长进行教育,可以向所有中学校长提供培训和技能,家长部门可以定期为校长举办研讨会,以提高他们的能力,家长教师委员会可以加强和更新,以确保家长参与学校活动。
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引用次数: 0
MEDIATING ROLE OF TRUST IN LINKING TRANSFORMATIONAL LEADERSHIP STYLE AND NURSES’ PERFORMANCE 信任在变革型领导风格与护士绩效之间的中介作用
Pub Date : 2023-09-20 DOI: 10.51380/gujr-39-03-02
Yasir Hayat Mughal
This study aimed at investigating indirect effect of trust between leadership style and nurses performance. Population of this study was nurses working in the Qassim province in public and private sector hospitals and primary health care centers. Non-probability convenience sampling technique was used to select sample. Total 100 completed questionnaires were received and used in statistical analysis. Reliability analysis found that questionnaires used in the study were found reliable. Moreover, trust partially mediated between idealized influence behavior attribute of the leadership while fully mediated between other attributes of the transformational leadership and nurses’ performance. It is concluded that leadership in hospitals & primary health care centers should create strong bond with nurses and win their trust to boost nurses’ performance. It is imperious for hospital management to develop better relationship to brings better outcomes. Therefore health practitioners take benefits from this study finding. The trusted leaders’ have high leadership effectiveness and they retain the productive workforce. It is recommended for the future studies to use other leadership styles as the predicting variable such as servant leadership, distributed and Ihsan based leadership styles.
本研究旨在探讨信任对领导风格与护士绩效的间接影响。本研究的人群是在卡西姆省公立和私营医院和初级卫生保健中心工作的护士。采用非概率方便抽样技术选择样本。共收到调查表100份,用于统计分析。信度分析发现,研究中使用的问卷是可靠的。信任在领导理想化影响行为属性与护士绩效之间存在部分中介作用,在变革型领导其他属性与护士绩效之间存在完全中介作用。结论:医院的领导力;初级卫生保健中心应与护士建立牢固的关系,赢得护士的信任,以提高护士的绩效。发展良好的人际关系,为医院管理带来更好的效果是迫切需要的。因此,医疗从业者从这项研究发现中获益。值得信赖的领导者具有很高的领导效能,他们保留了富有成效的员工队伍。建议在未来的研究中使用其他领导风格作为预测变量,如仆人式领导、分布式领导和基于Ihsan的领导风格。
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引用次数: 0
THE VALIDATION OF CONCERNS FOR INFORMATION PRIVACY (CFIP) SCALE FOR SOCIAL NETWORKING SITES 社交网站信息隐私关注(cfip)规模验证
Pub Date : 2023-08-29 DOI: 10.51380/gujr-39-03-08
Amna Farzand Ali, Syeda Hina Batool, Khalid Mahmood
This study aims to evaluate and validate information privacy concerns scale for social networking sites. Current study identifies seven significant factors through Exploratory Factor Analysis (EFA) which may work antecedents of information privacy concerns. Thus, in order to create a list of items for the measurement of instrument constructs, an extensive research of relevant literature was carried out. Later, the selected items were discussed with supervisors & sent to six information professionals for content validity. Pilot instrument based on literature was empirically validated by collecting the data from one hundred undergraduate students from selected universities. Exploratory factor analysis was used to confirm that the scale's construct validity. Furthermore, for internal reliability of the scale Cronbach's alpha coefficient was checked, the psychometric features of the 57-item measure were assessed with a group of 500 undergraduate students. Subsequently, valid & reliable 57-item Information Privacy Concerns Scale was validated, which could be tested and utilized to evaluate social networking users' information privacy concerns. This validated scale can be used in different contexts and among variant population groups to confirm its validity in the different settings.
本研究旨在评估并验证社交网站的资讯隐私关注规模。本研究通过探索性因素分析(EFA)确定了七个可能对信息隐私问题起作用的重要因素。因此,为了创建一个测量工具结构的项目列表,进行了广泛的相关文献研究。随后,选定的项目与主管进行讨论;发给六个信息专业人员进行内容有效性检查。通过对所选高校100名本科生的数据采集,对基于文献的先导工具进行实证验证。采用探索性因子分析验证量表的构念效度。此外,为了检验量表的内部信度,Cronbach's alpha系数进行了检验,并对一组500名本科生进行了57项测量的心理测量特征评估。随后,有效&验证了可靠的57项信息隐私关注量表,该量表可用于测试和评估社交网络用户的信息隐私关注。这个有效的量表可以在不同的背景和不同的人群群体中使用,以确认其在不同设置中的有效性。
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引用次数: 0
AN INVESTIGATION INTO HOW UNIVERSITY-LEVEL TEACHERS PERCEIVE CHAT-GPT IMPACT UPON STUDENT LEARNING 大学教师如何看待聊天对学生学习的影响的调查
Pub Date : 2023-08-21 DOI: 10.51380/gujr-39-03-01
Ayesha Kanwal, Syeda Khadija Hassan, Iffaf Iqbal
This research explores Chat -GPT inclusion into Pakistani higher education, addressing the issue of understanding teacher perspectives. To examine the relevance of this problem, an extensive survey involving 600 university teachers was undertaken using a positivist research paradigm. The findings show that teachers believe Chat-GPT has the ability to improve learning experiences by offering quick access to information and accommodating varied student demands. Concerns are raised, however about overreliance, ethical consequences, and possible impediments to critical thinking. These trends in data were revealed through statistical analysis, which included mean, standard deviation, correlation, and ANOVA. Concerns were raised, however, concerning the overreliance, ethical consequences, and possible barriers to critical thinking. Thus, longitudinal studies, qualitative research, thorough guidelines, and joint efforts are among the recommendations to enable the appropriate incorporation of AI technologies in education. This research adds to our understanding of the challenges of AI integration in education by highlighting need of balanced and well-informed educational methods.
本研究探讨了Chat -GPT纳入巴基斯坦高等教育,解决理解教师观点的问题。为了研究这个问题的相关性,使用实证主义研究范式对600名大学教师进行了广泛的调查。调查结果表明,教师们相信Chat-GPT能够通过提供快速访问信息和适应不同学生的需求来改善学习体验。然而,人们对过度依赖、道德后果以及可能阻碍批判性思维的问题提出了担忧。这些数据的趋势是通过统计分析来揭示的,包括平均值、标准差、相关性和方差分析。然而,也有人提出了对过度依赖、伦理后果和可能阻碍批判性思维的担忧。因此,纵向研究、定性研究、彻底的指导方针和共同努力是将人工智能技术适当纳入教育的建议之一。这项研究通过强调平衡和信息灵通的教育方法的必要性,增加了我们对人工智能融入教育的挑战的理解。
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引用次数: 0
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Gomal University Journal of Research
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