Research Articles

Dr. Karim Ullah

Malik, A. and Ullah, K. (2016). Introduction to Takaful: Theory and Practice.
Centre for Excellence in Islamic Finance, Institute of Management Sciences.

Ullah, K. and Al-Karaghouli, W. (2016). Understanding Islamic Financial Service: Theory and Practice. KoganPage.

Imtiaz, T. and Ullah, K. (2016). Customers’ Acceptability of Islamic Banking: Employees’ Perspective in Peshawar. Abasyn Journal of Social Sciences. 9(2), 421-434

Ullah, K. (2015). Evolutionary Islamic Banking Service. Journal of Islamic Banking and Finance, 3(2), 91-96.

Jan, S, Ullah, K, and Asutay, M (2015) Work, Knowledge, and Social Welfare as the objectives Economic Development” Journal of Islamic Banking and Finance 32 (1).

Ullah, K.(2015). ‘Evolutionary Islamic Finance Service’, American Research Institute for Policy Development Journal.

Ullah, K. (2015). ‘Evolutionary Islamic Banking Service’, Journal of Islamic Banking and Finance, (Accepted for publication)

Ullah, K., Hackney, R. & Al-Karaghouli, W. (2015). ‘How a service eco system adapts?’, Journal of Service Research, (In progress).

Ullah, K. (2015).‘Evolutionary Islamic Banking Service’, FAST-NU International Conference on Advancements in Islamic Finance and Business in the 21st Century, Islamabad, 24-25 April, 2015.

Ullah, K., & Jan, S. (2015). ‘Shariah Compliance and the Service of Islamic Banking’, IMSciences-SBP Training Workshop on the Practice of Islamic Banking, IMSciences, Peshawar, 17 February 2015.

Ullah, K. (2013). ‘Designing Shariah finance service system as deferred service system’, Doctoral Symposium, Brunel Business School, Brunel University, London, 20–21 March 2013.

Ullah, K. (2011c).‘Understanding the emergent service practices by synthesizing the concepts of context, emergence and service practice’, Business and Economics Review, 3 (1), pp. 29–38.

Ullah, K., & Patel, N. V. (2012b). ‘Service as co-created process: The Case of Islamic Banking’, Emerald International Islamic Finance Conference, Abu Dhabi, 14-16 October 2012 (Paper accepted for presentation)

Ullah, K. (2012a). ‘Designing adaptable service systems: case of Islamic finance services’, Doctoral Symposium, Brunel Business School, Brunel University, London, 27–28 March 2012.

Ullah, K., & Patel, N.V. (2012). ‘Conceptualizing service systems modularity as deferred service systems’, 3rd International Service Modularity Workshop, Brunel University, London, 19–20 January 2012

Ullah, K., & Patel, N. V. (2011). ‘Addressing Emergent Context of Shariah Compliant Financial Services: A Service Designing Construct’, International Review of Business Research Papers, 7(3), 81-93.

Ullah, K., & Patel, N.V. (2011c). ‘Information systems for adaptive Shariah-compliant financial services: Defining adaptation
, Proceedings of European, Mediterranean & Middle Eastern Conference on Information Systems, (EMCIS2011), Athens, Greece, 30–31 May 2011.

Ullah, K., & Patel, N.V. (2011b). ‘Adaptation in emergent context: A silent innovation in Shariah-compliant financial
, Proceeding of British Academy of Management Conference (BAM2011), Aston University, Birmingham, 13–15 September 2011.

Ullah, K. (2011a). ‘Designing adaptive Shariah-compliant financial services’, Doctoral Symposium, Brunel Business School, Brunel University, London, 28–29 March 2011.

Ullah, K., & Patel, N.V. (2010). ‘Designing Shariah-compliant financial services: Addressing context for persistent
adaptation (migration)’
, 4th Asian Business Research Conference, Dhaka, Bangladesh, 23–24 December 2010.

Dr. Zohra Jabeen

Jabeen,Z., & Khan, A. (2014).‘Culture-Economics-Shariah:Lessons from Sample Study- Financial Management of Business owners of Tribal background’, Riphah’s 3rd International conference on Equity, Venture Capital, Corporate Governance and Institutional Development for Equity Investments: Prospects and Practices from Islamic Perspective”, held at Quaid iAzam Auditorium , International Islamic University campus, Islamabad, Pakistan.

Jabeen,Z. (2012). ‘Sukuk, Sharia and Stakeholders’.Presented at the conference titled “Businesses Conforming to Shariah Principles: Practices for Management, Good Governance and Corporate Social Responsibility’, at Minara Chamber of Commerce, Durban, South Africa, held in collaboration with Riphah Centre of Islamic Business (RCIB) of the Riphah International University, Islamabad (Pakistan), at Durban (South Africa).

Jabeen,Z., &Rehman, G. (2012). ‘Murabaha and Its Awareness in Islamic Financial Institutions’, Journal of Islamic Business and Management, Vol. 01, Issue 02.

Jabeen,Z.,& Khan, S. (2011). ‘Comparative Study of Assessment of Capital Adequacy Ratio (CAR) For Islamic Banks in Pakistan under Basel II and IFSB Formulae for Capital Adequacy’, 8thInternational Conference on Islamic Economics and Finance, Doha, Qatar.

Jabeen,Z. (2011). ‘Study of Efficiency Measures in the Banking Sector in Pakistan (2006-2010): Quantitative Analysis with Qualitative Inferences’, Conference of Society of Interdisciplinary Research (SIBR) , Faculty of Economics, Thammasat University, , Bangkok, Thailand,16-18th June, 2011(;author SSRN =

Jabeen,Z. (2010). ‘Current Islamic Banking Practices: Towards Sharia’h’ based Financial Resilience and efficiency’, International Conference on Islamic Finance 2010 (ICiF 2010), namely, Contemporary challenges of Islamic finance: towards realizing the goals of Sharia’h”, at University Islamic Sultan Sharif Ali (UNISSA), Brunei Darussalam, March 1-2, 2010.

Jabeen,Z. (2009). ‘Analysis of Islamic Financial Instruments in terms of Microfinance Development for Poverty Alleviation’, International Islamic Microfinance Conference, Jointly organized by Helping Hands and RIPHAH University, Islamabad.

Jabeen, Z., & Khan, M. R. (2008). ‘An Inquiry into the Usage of Real Assets in Islamic Transactions and Their Benchmarking: The Implications for Islamic Capital Markets’, Islamic Capital Markets, 69.

Jabeen,Z. (2008). ‘Sukuk as an Asset Securitization Instrument and its Relevance for Banks’, published in Review of Islamic Economics’,Journal of the International Association for Islamic Economics and the Islamic Foundation, UK, Vol.12, No.1, (ISSN No. 0962-2055).

Jabeen, Z., &Javed, M. T. (2007). ‘SUKUK-Structures: An Analysis of Risk-reward Sharing and Wealth Circulation’, The Pakistan Development Review, 405-419.

Jabeen,Z. &Javed. M. T.(2007). ‘Sukuk-Structures, an Analysis of Risk-Reward Sharing and Wealth Circulation’, International Economic Development Conference of Pakistan Society of Development Economics, Islamabad, Pakistan.

Jabeen,Z. (2007).‘Sukuk: Principles, Structure and Developments’,International Islamic Finance Conference, Sharif University of Technology, Tehran, Iran.

Jabeen,Z. (2007).‘Rise of Sukuk, an emerging fund generation mechanism’, 10th International Conference of the Society for Global Business & Economic Development (SGBED), Kyoto (Japan).

Jabeen,Z. (2006). ‘Sukuk Structures-A Comparative Study from Regulatory Perspective’,2ndInternational Conference on Islamic Banking: Risk Management, Regulation and Supervision, Bank Negara Malaysia, Kuala Lumpur.

Dr. Shafiullah Jan

Jan, S & Khan, Z (2016) (under review). ‘Operationalization of justice in Islamic Finance.  Al-Idah

Ullah, Jan, S (2016) (under review). ‘Islamic Finance as Collaborative Service:’,The Case of Ijarah. Business and Economic Review

Jan,S., Ullah, K, & Asutay, M. (2015).‘Work, Knowledge, and Social Welfare as the objectives Economic Development’,Journal of Islamic Banking and Finance. 32 (1).

Khan, Z, Jan, S & Ullah (2016).Re-Thinking Microfinance Practices:,Lesson Learned for Sustainable Islamic Microfinance Institutions.   Abasyn Journal of Social Sciences.

Jan,S. (2011). ‘Financing and Economic Development through Islamic Banking: Rhetoric vs. Reality’,6thKyoto-Durham International Workshop in Islamic Economic and Finance: Islamic Finance and Economy in the Muslim World: Theories and Realities

Jan,S. (2009). Conceptualising Islamic Development Process through the Actualisation of Justice’,4thKyotoDurham International Workshop in Islamic Economics and Finance: New Horizons in Islamic Economics, Durham University, UK.

Dr. Zahoor Khan

Zahoor, K. (2015). ‘A Comparative Analysis of Capitalism and Islamic Economic System: The Underlying Propositions and Assumptions’, LPEM’s Conference on Economics and Finance in Indonesia.

Farooq, M., & Khan,Z. (2014). ‘The Social and Financial Performance of Conventional and Islamic Microfinance Institutions in Pakistan’,Al-Idah, June 2014,pp. 16-33.

Zahoor, K. (2013). ‘Social Safety Nets and Sustainable Economic Development; A Theoretical Perspective With Reference To Pakistan Economy’, International Research Conference, Bangkok, Thailand dated 5-6 march 2013.

Zahoor, K. (2013). ‘An Insight into the Relationship between Urbanization and Economic Growth in China: An Intertemporal Analysis (1961-2011)’, Industrial Upgrading and Sustainable Economic Growth in China 12-13 December 2013 at Guangzhou, China.

Zahoor, K. (2012). ‘Global Financial Crisis, Islamic Stock Markets Integration: A Case Study of Selected Asian Countries’,1stAsian Business and Research conference; Islamic College University Peshawar- Pakistan dated 7-8 September, 2012.

Zahoor, K. (2012). ‘Global Food Prices Hike, Poverty and Sustainable Economic Development: Experience of the Selected Asian Transitional Economies’, USM-AUT International Conference (UAIC 2012) Sustainable Economic Development; Policies and strategies. Presented on 17-18 November 2012 at PulauPenang, Malaysia

Zahoor, K. (2012). ‘Estimating the Economic Impact of Islamic Microfinance Programs: An Experimental Verses Non-Experimental Approach’, 7thInternational postgraduate workshop in ISDEV at 30-31 October 2012, University Sains Malaysia (USM), Pulau
Penang, Malaysia.

Zahoor, K. (2012). ‘A Comparative Analysis of Poverty in Capitalism and Islam; the Philosophical Foundations and Further Extensions’,2nd International conference on Islamic economics and economies of the OIC countries (icie2013) 29-30 January 2013, Kuala Lumpur, Malaysia.

Ullah, A., Hussain, S. W., & Khan, Z. (2012). ‘Micro-econometric Analysis of Impact of Remittances on Household’s Welfare: Empirical Evidence from District Peshawar’, Oeconomics of Knowledge, 4(1), 2-13.

Khan, Z. (2012). ‘Optimization Of Consumption in Divine Context: Basic Principles and Extension’,Al-Idah, Issue No. 24, pp. 33-49.

Farooq, M., & Khan,Z. (2012). ‘Profitability of Meezan Bank Based on Balance Sheet and Operational Items’, Journal of Managerial Sciences, Vol. VI, No. 2, 168.

Zahoor, K. (2011). ‘Socioeconomic Human Well-Being and Posterity: A Faith Based Measurement submitted for Developing a Framework for Maqasidal-al shariah based Index of Socio-Economic Development Seminar/Workshop’, Yogyakarta, Indonesia dated 26-27 June 2014.

Zahoor, K. (2011). ‘Cooperative Microfinance: Myth or Reality? An economic analysis of the welfare of marginalized segments’,8th International conference on Islamic Economics and Finance at Doha-Qatar 19-21 December, 2011

Khan, Z., Farooq, M.,& Fawad, M. (2011). ‘Analysis of the Performance of Islamic and Conventional Banks in Pakistan’, Journal of Managerial Sciences, 5(1), 53-63.

Khan, Z. (2011). ‘Is co-operative microfinance a myth or reality? An economic analysis of the welfare of marginalized segments’,Journal of Humanities and Social Sciences,Vol. XIX, No.2.

Khan, Z. (2011). ‘Shocks in Macroeconomic Variables and Stock Market Stability: A Case Study of KSE-10 Index’,Business and Economic Review,Vol. 3,No.2.

Zahoor, K. (2010). ‘Financing Non Bankable Masses: An Analytical Study of Conventional Verses Islamic Microfinance Programs’,International conference on Economic and Trade Integration among OIC Member Countries: opportunities and challenges 2010-Tehran- Iran.

Khan, Z. (2010). ‘Determinants of Unemployment: A Case Study of Pakistan Economy (1998-2008)’,Absyn University Journal of Social Science,Vol. 3, No. 1, ISSN:1998-152X.

Khan, Z., & Khan,A. W. (2010). ‘Estimating and Forecasting health indicators in Pakistan’, Dialogue (1819-6462), 5(1).

Khan, Z. (2010).Commercial Vs Cooperative Insurance: Concept And Operational Framework’,Business and Economic Review,Vol. 2,No. 2, 2010.

Khan, Z. (2010). ‘Commercial Verses Cooperative Microfinance Program: An Investigation of Efficiency, Performance and Sustainability’, Dialogue (1819-6462), 5(2).

Khan, Z. (2010). ‘Socio- Economic Determinants of Migration of People from Rural to Urban Areas of District Peshawar’,Journal of Managerial Sciences, Vol. IV, No. 2 ISSN#:1992-4364.

Khan, Z. (2009). ‘Financing Non-Bankable Masses: An Analytical Study Of Islamic Microfinance Organization: A Case Study of Islamic Relief-Pakistan’,Absyn University Journal of Social science,Vol. 3 no.1 ISSN: 1998-152X..

Khan, Z. (2009). ‘Determinants Of Educational Expenditure of Urban Households in District Peshawar’,Absynuniversity Journal of Social Science, Vol. 3 no.1. ISSN: 1998-152X.

Khan, Z. (2009). ‘Intra Rural Regional Difference in Household Savings: Empirical Evidence from Three Rural Areas of District Karak (Pakistan)’,Absyn university journal of Social scienceVol. 3 No.2. ISSN: 1998-152X

Khan, Z., Khan, A.,& Ullah, A. (2009). ‘Co-operative microfinance: A New Option for Government and Development Organizations’, Journal of Managerial Sciences, 3(2), 180-191.

Khan, Z. (2009). ‘Gambler’s Fallacy and Behavioral Finance in the Financial Markets: A case study of Lahore stock Exchange’,Absyn University Journal of Social science,Vol. 3 no.2 December 2009. ISSN: 1998-152X.

Khan, Z. (2010).‘Contribution of Human Capital to Growth: Evidence from Pakistan Economy (1960-2005)’,City University Research Journal, Vol.1, No.1.