Journal of Finance & Economics Research (JFER)


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ISSN: 2415-2455 (Online) ISSN: 2415-2463 (Print)

About the Journal

Journal of Finance and Economics Research (JFER) is an open access blind-peer review journal,recognized by Higher Education Commission (HEC),published and owned by the Department of Business Administration, IQRA University. JFER is a biannual online research journal. It welcomes contributions from all around the world and has a wide range of readers. A free online access and free publication make it easily available. A high-quality Blind Peer review ensures its quality and original contributions in the field of Finance and Economics.

Journal of Finance and Economics Research (JFER) aims to become the premier open-access resource for Finance and Economics research. What sets JFER apart from conventional journals is that it does not limit content due to page limit or accept papers on the basis of themes; on the contrary, it assesses submitted papers purely on the basis of research validity. JFER enable the process of establishing links among papers, within or across disciplines, as it does not filter papers on the basis of themes or disciplines.

Each article accepted after peer review process is made freely available online immediately upon publication is published under a Creative Commons license and will be hosted online in perpetuity.

JFER covers dimension relating to Finance and Economics. JFER publishes articles which are; based on quantitative empirical work, theory-driven, and literature reviews - without preference.

All submitted research papers and articles will be checked for originality using Ithenticate.
JFER does not have article processing, editorial processing and submission fee (APCs).

Subject Areas: Asset Pricing, Derivative Pricing and Hedging, Disruptive Models, Corporate Finance, Economics, Financial Economics, Econometrics, Accounting, Banking and Finance, Islamic Banking.

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This work by Iqra University is licensed under a Creative Commons Attribution 4.0 International License.

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Impact of Personality Traits on Investment Intention: The Mediating Role of Risk Behaviour and the Moderating Role of Financial Literacy 89

This study investigates the role of risk behaviour in mediating the association between personality traits and investment intention and moderating role of financial literacy between the association of risk behaviour and investment intention within a sample of 284 students with finance background. Regression analyses was executed in a series to test the impact of independent variables on dependent variables. Along this, separate models for the mediator and for the moderator were appraised to get more vibrant results. Results suggest that individuals who are active, sympathy toward others, determined, well-organized are more willing toward Investment. Further results revealed that risk behaviour [...]

Journal of Finance & Economics Research 2019
By Muhammad Nauman Sadiq, Raja Ased Azad Khan
Keywords: Personality traits , financial literacy, risk behaviour, investment intention
Resistance to Adopt Mobile Banking in a Developing Country: Evidence from Modified TAM 75

Mobile banking is an emerging concept with great potential but it is facing lower rate of diffusion. This study examines the perception and intention aspects of mobile banking adoption in Pakistan. Modified Technology Acceptance Model is used with the integration of four perceived risk dimensions (financial, privacy, time and security). A sample of valid 389 responses was drawn from the mobile subscribers of Karachi. The techniques of both exploratory and confirmatory factor analyses were employed to assess the reliability and validity of the measurement model. The structural equation modeling method was also applied to investigate the hypothetical framework with the [...]

Journal of Finance & Economics Research 2016
By Imtiaz Arif, Sahar Afshan, Arshian Sharif
Keywords: Mobile banking, modified TAM, financial risk, privacy risk, time risk and security risk
Impact of Capital Structure on Firms? Financial Performance: Evidence from United Kingdom 49

The purpose of this paper is to examine empirically the impact of capital structure on financial performance of United Kingdom (UK) firms' during the period from 2006 to 2015. The investigation is performed using data of 739 UK very large and large listed companies on London Stock Exchange. The study uses four performance measures, including return on equity - ROE, return on assets - ROA, Tobin's Q and earnings per share EPS as dependent variables. The two capital structure ratios, namely long-term liabilities and short-term liabilities as well as growth rate of total assets are applied as independent variables. Size [...]

Journal of Finance & Economics Research 2017
By Ngoc Bao Vuong; Trang Thi Quynh Vu; Payel Mitra
Keywords: Capital structure, firm's performance, leverage, debts, performance measures
Bank Profitability and its Determinants in Pakistan: A Panel Data Analysis after Financial Crisis 46

This study seeks to investigate the internal and external determinants of the Pakistan banking sector, specifically after the recent financial crisis of 2008. The sample data comprises of total 26 banks, which include 17 conventional, 5 Islamic and 4 public banks. The selected sample covers the period of five years from 2009 to 2013. A balanced panel data regression model has been used and considered return on assets (ROA) and return on equity (ROE) as an alternative of bank's profitability. The results of the study suggest that bank's profitability is significantly affected by its internal determinants while external determinants are [...]

Journal of Finance & Economics Research 2016
By Muhammad Ali
Keywords: Banks, assets, operating costs, profits, assets size, bank-specific determinants, profitability
Relationship between Trade Openness and Energy Consumption in Oil Importing Asian Countries 25

The present study intended to examine the impact of trade on energy consumption using data of four oil importing, heavily populated, and developing economies of Asia namely Pakistan, India, China and Bangladesh. The study covers the period of 1972 to 2011. The data was checked for the Cross-sectional Dependency using CD-test, then CIPS panel unit root test, Panel cointegration, and Pooled Mean Group estimates approaches were used. Empirical results confirmed the Long-run relationship between energy consumption and trade openness. This study confirms the influence of trade on energy consumption and that they are positively related. International trade increases the energy [...]

Journal of Finance & Economics Research 2017
By Imtiaz Arif; Syeda Wajiha Kazmi; Lubna Khan
Keywords: Energy consumption, energy price, trade openness, gross domestic product, Asian developing countries.
Does Government Borrowing Crowd out Private Sector Credit in Pakistan? 24

We investigate the impact of government borrowing from the scheduled banks on the credit to private sector in Pakistan, using monthly data from 1998:M6 to 2015:M12. We find that a one percentage point growth in the government borrowing leads to 8 basis points crowding out of the private sector credit in four months. Albeit small, there is negative impact of government borrowing on the private sector credit. The results remain unchanged even after implementation of the interest rate corridor since August 2009. [...]

Journal of Finance & Economics Research 2019
By Sajjad Zaheer, Fatima Khaliq, Muhammad Rafiq
Keywords:
World Authorship
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# Countries Authors
1 Pakistan 87
2 Nigeria 13
3 China 8
4 Bangladesh 5
5 United States 4
6 Malaysia 3

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