Objective: This paper analyzes bank-specific, industry-specific and macroeconomic determinants of bank profitability on the sample of 25 banks, 161 observations on the Pakistani banking system in the period between 2006 and 2012. Our dependent variables include Return on Equity, Return on Assets and Earning per Share and independent variables consist of 'bank-specific determinants', industry-specific determinants', and 'macroeconomic determinants'. State Bank of Pakistan provides the data for internal factors on a yearly basis. Methodology: Different statistical techniques are used step by step to empirically test the relationship between the variables and to draw conclusions from the results of the study. Firstly, to analyze the features of the profitability determinants descriptive statistics are used. Secondly, we examine the causal relationship between bank-specific, industry specific, macroeconomic variables and profitability variables, Pearson's coefficient of correlation is used. Panel data are used in this study so the technique used for regression is a panel regression technique which includes the pooled Ordinary Least Square, Random Effects Model and Fixed Effect Model. Hausman test is used to analyze that which technique for panel regression is more suitable for study. Results: According to the obtained results, among internal factors of bank profitability, firm size are the most important factor. Profitability is influenced by liquidity, asset quality and leverage condition of the banks. Regarding the external variables, inflation and interest rate show significant effect on bank profitability. Islamic banks show significant positive relationship with commercial banks.
The present study aims to explore different perceptions about the concept of work-life balance and the coping strategies used by working women to maintain this balance in the culturally unique context of Pakistan. The participation rate of working mothers has increased substantially in the labor force of Pakistan, creating problems for them in balancing their work and life responsibilities. Having a job with kids and family responsibilities comes in conflict with social and cultural values. This study adopted a qualitative research approach for in-depth exploration of the topic, engaged a snowball sampling technique to collect the data from 16 professional women using semi-structured, face-to-face interviews. The themes identification in this qualitative study is through the Braun & Clarke thematic six-phase approach. The main objective of the thematic analysis is to recognize themes; identify the significant data patterns, and achieve the research objectives. Thematic analysis revealed that the participants perceived work-life balance as a personal philosophy, managing both sides and event-based. Working women showed their faith in Allah and considered it the most helpful coping strategy. This faith gives them greater strength and courage to deal with problems. Pakistani working women frequently used various work-life balance coping strategies such as; support systems, time and stress management, determining priorities, and task crafting. The study implies that organizations should implement such HR policies and practices that support working women, providing them with child care centers and flexible schedules.
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