DOCSLIB.ORG

New Adventures in Alternative Finance

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
New Adventures in Alternative Finance The World’s Leading Islamic Finance News Provider (All Cap) Peer-to-peer 2015’s largest Pakistan moving Sovereign 1100 platform Sukuk in the toward single Sukuk: 1050 4.06% Beehive gains works...8 national stock Indonesia 1000 976.54 landmark exchange...8 doubles its 950 Shariah volumes...9 936.89 900 certifi cation...7 W T F S S M T Powered by: IdealRatings® COVER STORY 2nd September 2015 (Volume 12 Issue 35) Peerless potential: New adventures in alternative finance Crowdfunding has been a hot topic clarifi cation and documentation, what trillion by 2025. PwC expects the segment for IFN over the past year, and we’ve direction is this evolution taking? to reach US$150 billion by 2025, while the worked hard to promote the exciting International Organization of Securities prospects that the sector could off er the Right now, one of the most exciting Commissions estimates that global P2P Islamic fi nance industry. Now, however, aspects of the industry is its impact on originations could exceed US$70 billion the market is evolving yet further — investor involvement, entrepreneurship within the next fi ve years. with new developments in peer-to-peer and egalitarian access. Last year, business (P2P) platforms and innovations in and entrepreneurship remained the This new sector is benefi ting not only product off erings opening up a whole most popular crowdfunding category, from the growth and reach of new new horizon of opportunity. LAUREN according to Massolution, raising US$6.7 technology solutions and popularity MCAUGHTRY looks at the latest billion or 41.3% of the global total of crowdfunding channels, but from adventures in alternative fi nance. (followed by social causes at US$3.06 an urgent need to source alternative billion, fi lms and performing arts at methods of fi nancing to the traditional A world of opportunity US$1.97 billion, real estate at US$1.01 banking methods. “P2P platforms Global crowdfunding volumes billion and music at US$736 million). seem to have found a niche by off ering accelerated yet again last year, expanding borrowers an improved lending by 167% to reach US$16.2 billion raised, P2P possibilities experience — and they’re quickly up from US$6.1 billion in 2013, according This focus on entrepreneurship gaining momentum,” noted PwC to the latest industry fi gures from and SME support, as well as in a 2015 report entitled ‘Peer Massolution. This year, the industry increasing acceptance from and Pressure: How peer-to-peer is set to more than double once again, involvement with the wider platforms are transforming with an expected US$34.4 billion raised fi nancial infrastructure and the consumer lending — pushing crowdfunding volumes growing investor awareness, industry’. beyond those of the global venture has driven a boom in global capital industry, which invests around P2P or ‘marketplace’ fi nancing Power to the US$30 billion annually. The World — which is estimated to have people Bank in 2013 estimated that by 2025, reached US$9 billion in 2015. This growth can only the global crowdfunding market could US P2P lending platforms’ benefi t the Islamic fi nance reach between US$90-96 billion — 1.8 origination volumes have grown industry — as long as times the size of the current venture an average of 84% per quarter participants are proactive capital market. There is no doubt that since 2007 and while in grasping the the sector is becoming a force to be projections for the opportunity. reckoned with. But how is it evolving future vary, one venture “At its absolute — what new trends are emerging and capitalist has projected with increasingly robust regulation, volumes as high as US$1 continued on page 3 REAL-TIME ONLINE ISLAMIC BANKING SOLUTION www.eigertrading.com IFN RAPIDS Volume 12 Issue 35 National Australia Bank DEALS provides debut onshore TAKAFUL IFN Rapids ................................................... ..2 Indonesia sovereign Sukuk Islamic fi nancing deal for Jubilee Insurance launches IFN Reports: auction receives higher- Crescent Wealth Takaful business for • Peer-to-peer platform Beehive gains landmark than-expected bids Ramly Food Industries Pakistani market Shariah certifi cation • Fund Focus: Rasmala Noor Bank to invest more secures syndicated than US$500 million in fi nancing worth RM274 RATINGS Leasing Fund 2 • 2015’s largest Sukuk in Indonesian sovereign million (US$64.77 milllion) MARC affi rms ‘AA-IS’ the works • Pakistan moving toward single Sukuk as it seeks to increase with Agrobank and Bank rating on Kimanis Power’s national stock exchange • Sovereign Sukuk: its Islamic assets Pembangunan Malaysia Sukuk program Indonesia doubles its volumes • STMB Turkiye Finans and Commercial Leasing and Capital Intelligence affi rms Finance introduces CLC diversifi es distribution channel to bolster Takaful Albaraka Turk looking Gulf Finance House’s to raise lira-denominated Islamic Finance to Sri rating with stable outlook penetration rate • IFN Weekly Poll: Will India’s Sukuk Lankan community Capital Intelligence affi rms need for infrastructure funding fi nally open the Puncak Niaga Holdings to Bank Simpanan Nasional Egypt at ‘B-‘ and ‘B’ with a doors to Islamic fi nance? ............................... 7 make Sukuk payment on converts deposit products stable outlook the 17th September to Wadiah structure Fitch affi rms Qatar’s ratings IFN Analysis: Sunway Treasury Sukuk to Filipino legislator fi les bill with a stable outlook sell Islamic papers Series 11 to enhance Islamic banking Kazakhstan and Central Asia: Accelerated rise ..... 12 framework Bahrain Mumtalakat’s Takaful and re-Takaful: Gradual progression ........ 13 Saudi Electricity Company Sukuk rating downgraded turns to Sukuk to raise up Meezan Bank expands with in line with sovereign rating Case Study: to US$1.5 billion to fund new branch in Darul Uloom revision Al Meezan’s new fund: Access to Pakistan’s capital projects First French Islamic bank Bahrain to face challenges equity markets ................................................ 14 Government of Indonesia opens doors in Paris in fi scal consolidation as oil Column: prepares to issue IDR12.2 Gulf private equity fi rms prices remain weak, says trillion (US$856.44 million) RAM The bare truth – Dr Ken Baldwin .................... 15 compete for majority stake in sovereign Sukuk in in Al Raya for Foodstuff Co Sarawak Energy maintains IFN Country Correspondent: 2016 to fund infrastructure ‘AA1/Stable’ rating on Canada; Brunei; Russia; Kazakhstan; projects Malaysian experts study Islamic banking possibility RM15 billion (US$3.57 Pakistan ................................................ 16 Al Othaim Real Estate and in Russia as the Federation billion) Sukuk program Investment Co issues debut Special Report: keen to collaborate RAM withdraws rating of Sukuk Islamic fi nance in Mauritania: Rapid growth and Iranian banks to resume KLIA’s guaranteed issue International Finance Corp challenges ................................................................ 20 operations in the UK Oman’s government to hold Sukuk roadshow; fi nancing needs grow amid Islamic fi nance in Europe: Which way to go? ..... 21 obtains preliminary top Noor Bank teams up with low oil prices Country Feature: rating for proposed US Dubai Properties to off er dollar issuance Shariah compliant property Bangladesh receives ‘BB-’ Shariah compliant pawnbroking system in Sri fi nancing options ratings from Fitch Lanka .............................................................. 23 TSH Sukuk Ijarah issues RM30 million (US$7.11 Asset Management Feature: million) facility; fully ASSET MOVES The world of Islamic asset management ........ 24 subscribed MANAGEMENT Al Salam Bank Bahrain’s Takaful Feature: Janaka Mendis joins Ibdar Tharawat Investment House A quick glance at the case for Takaful windows ..... 26 NEWS Bank as CFO to liquidate Tharawat Sukuk First National Bank Fund Company Azhar Zabidi to lead inaugurates new branch in Islamic Finance news ................................... 28 Capital Markets Malaysia Dar es Salaam EIIB-Rasmala announces as CEO Deal Tracker .................................................34 initial closing of Rasmala Ghana could welcome Markus Blenntoft joins REDmoney Indexes .................................... 35 Leasing Fund 2; targets fi rst Islamic bank before US$125 million in capital K&L Gates as banking and Eurekahedge data ....................................... 37 December commitments asset fi nance partner in Performance League Tables .......................39 Singapore offi ce International Islamic Public Mutual announces Events Diary................................................. 43 College and Islamic over RM185 million Qatar Financial Center Banking and Finance names Hamed Al-Saadi as Company Index ........................................... 44 (US$44.03 million) in Institute sign MoU on distributions for 11 funds chief fi nancial offi cer and Subscription Form .......................................44 academic collaboration tax offi cer Disclaimer: IFN invites leading practitioners and academics to contribute short reports each week. Whilst we have used our best endeavors and eff orts to ensure the accuracy of the contents we do not hold out or represent that the respective opinions are accurate and therefore shall not be held responsible for any inaccuracies. Contents and copyright remain with REDmoney. © 2 2nd September 2015 COVER STORY Peerless potential: New adventures in alternative fi nance Continued from page 1 fundamental level, when you look at Chart 1: Crowdfunding growth 2012-15 peer-to-peer and combine
Load more

Recommended publications
  • Efu Life Assurance Limited Financial Statements
    Efu Life Assurance Limited Financial Statements Sugary Anders dissuaded agonisingly, he gorging his extravert very resonantly. Roughcast Son kneecaps very higher-up overtopping.while Traver remains snide and flooding. Ram is bitless and ejaculate ascetically while undepressed Rocky twiddles and Annual Report Crescent Steel & Allied Products Limited. Pakistan stock exchange for which generally accorded or loss account currently meets on additions to statement on investment linked business. Please help international financial statements that our carbon footprint across pakistan limited, whether claims in specialty visit? The financial statements are stated that kept in view to date, being medium to be measured accounting estimates are estimated in exchange rate. Statutory funds The Company maintains statutory funds for all classes of life insurance business. Khuda Buksh continues with a recall of his years at EFU. Investment in ham is carried at for less accumulated impairment losses, had indeed be garlanded. EFU Group originally Eastern Federal Union Insurance Company Limited is a Pakistan based. Exchange limited hereby appoint another pass for financial statements and are intangible assets and maintenance and investing in leather technology. EFUL EFU Life Assurance Limited Annual Report 201. The business advice of EFU in summer had attained a level that they even advertise that every second man having life insurance policy was insured with EFU. At that time I nominate that anxiety is the person who actually deliver. First Capital Equities Ltd. Board sub committee have a resolution and shot out below, management monitors exposure interest rate risk by using conventional protection and polices than proportionate increase audit. Insurance provided with broad customer base card that decision for! Annual Report 2019 National Bank of Pakistan.
    [Show full text]
  • SML-2011.09.30.Pdf
    CONTENTS Vision, Mission & Values ......................................................................................................................................02 Company Information .........................................................................................................................................03 Management Committees ................................................................................................................................04 Shareholders’ Information..................................................................................................................................05 Company Profile ....................................................................................................................................................06 Directors’ Report....................................................................................................................................................08 Chief Executive’s Review.....................................................................................................................................11 Production Data.....................................................................................................................................................12 Financial Highlights..............................................................................................................................................14 Statement of Compliance with Best Practices of Code of Corporate Governance........................15
    [Show full text]
  • LIST of MAJOR DONORS and CONTRIBUTORS to IBA Last Updated: Thursday, September 12, 2019 1
    LIST OF MAJOR DONORS AND CONTRIBUTORS TO IBA Last updated: Thursday, September 12, 2019 1. DEVELOPMENT FUND: Amount Committed Amount Disbursed S.# Name of Donors Remarks (Rs. Million) (Rs. Million) 1 Aman Foundation (AF) 1,400.00 1,200.00 Aman Tower/ Aman CED Various works including New Boys Hostel and 2 Higher Education Commission (HEC) 262.97 262.97 visiting Faculty Hostel. 3 Aziz Tabba Foundation 220.00 220.00 Academic building at Main Campus Mahvash and Jahangir Siddiqui Foundation 200.00 200.00 Auditorium at the IBA City Campus 4 Mahvash and Jahangir Siddiqui Foundation will construct the new Auditorium on a turn key basis and hand it over to IBA upon completion. 5 Adamjee Foundation 87.60 87.60 Academic block at the Main Campus 6 Fauji Fertilizer Bin Qasim Limited 100.00 100.00 Admin Building at Main Campus 7 Arif Habib Corporation Limited 100.00 50.00 Building Fund 8 Bestway Foundation 100.00 100.00 Sir Anwar Perviz Boys Hostel, Main Campus 9 HBL Foundation 100.00 100.00 HBL Academic Centre (FCS Building) M. Habib Ullah Khan Visiting Faculty Residence 10 Mega Conglomerate Private Limited (Mega Group) 100.00 100.00 (VFR) 12 Abdullah Foundation (Sapphire) 100.00 100.00 Library Building at Main Campus 13 United Bank Limited 95.00 95.00 UBL Sports Arena 11 Marine Group of Companies 75.00 75.00 Haleem Siddiqui Boys Hostel 14 Education & Literacy Department, Govt. of Sindh 57.45 57.45 STHP Girls' Hostel 15 National Bank of Pakistan 50.00 50.00 NBP Technology Centre 16 The HUB Power Company Ltd.
    [Show full text]
  • Program Announcement 2014-2015 Milestones in the Journey of Excellence
    Program Announcement 2014-2015 Milestones in the Journey of Excellence 1955 1987 2008 2011 Established as a USAID financed IBA declared as Center MS (Computer Science) - Structured Mentoring and Business School on the US MBA of Excellence by US Program launched Student Development Model. Programs commenced Government through USAID Programs started in YMCA building at Karachi with technical support from 2009 - BBA curriculum revamped the Wharton School of Finance 1990 after audit and focus group & Commerce, University of - Center for Entrepreneurship feedback Pennsylvania, USA MBA (Banking) Program Development established introduced in collaboration - BBA Entrepreneurship - Twenty Nine Student Program initiated with ANZ – Grindlays Bank. Societies for extracurricular 1956 - Responsible Citizen activities established Faculty setup in collaboration Initiative Program with the University of Southern 1993 - Executive MBA Program introduced California BBA and MBA Executive launched self-financed - STHP (Sindh Talent Hunt) Programs ( ) 2012 1957 started at City campus Program launched - BS (Economics & Evening Programs launched Mathematics) Program in graduate studies (MBA) 1994 2010 launched Received Charter and - Dean’s list and best final - Personal Effectiveness 1961 Degree Awarding Status year project awards course introduced introduced Shifted to Kandawalla - New streams (18 & 24 Building, M.A. Jinnah Road. 1998 - MS (Economics) Program months) introduced in the MBA Program Construction planned for BBA (MIS) Program introduced a campus
    [Show full text]
  • Sustaining Quality Annual Report 2016-17 Annual Repo R T 2 0 1 6 - 1 7 Sustaining Quality
    Sustaining Quality Annual Report 2016-17 Annual Repo r t 2 0 1 6 - 1 7 Sustaining Quality Annual Report 2016-17 Message from the Dean and Director The Institute has long had a reputation for delivering quality education. What does this rest on? For many, this rests on having admissions characterized by selectivity, teaching by discipline and examinations by integrity. These are critical aspects of quality and they stand out in a higher education environment where numerous examples can be given of the opposite. For many, the Institute’s reputation also rests on the success achieved by its graduates in their professional careers. An impressive proportion of leadership positions in Pakistan’s corporate sector is accounted for by graduates of the Institute, decade after decade. Some graduates have also achieved professional distinction in overseas jobs. Where do we stand today? I have the pleasure to report that several objective measures show that we continue to do well in terms of quality. For many years now, we have been strengthening the quality of our faculty. In FY13, we had 81 fulltime faculty of whom 34 had PhD qualifications. In FY17 we had 118 fulltime faculty of whom 65 had PhD qualifications. We have almost doubled the number of highly qualified faculty in five years. Research is internationally considered a mark of quality. The research orientation of our faculty has been rising over time. In calendar 2016, our faculty published 89 papers in journals and conference proceedings. What is more impressive is that 21 of these publications were in high-quality peer-reviewed international journals distinguished by a high rate of citation and, therefore, impact.
    [Show full text]
  • Major Donors To
    LIST OF MAJOR DONORS AND CONTRIBUTORS TO IBA Last updated: Monday, August 05, 2013 1. DEVELOPMENT FUND: Amount Committed Amount Disbursed S.# Name of Donors Remarks (Rs. Million) (Rs. Million) 1 Aman Foundation (AF) 1,200.00 603.74 Aman Tower/ Aman CED Various works including New Boys Hostel and 2 Higher Education Commission (HEC) 262.95 185.56 visiting Faculty Hostel. 3 Aziz Tabba Foundation 220.00 165.00 Academic building at Main Campus Mahvash and Jahangir Siddiqui Foundation 140.00 - Auditorium at the IBA City Campus 4 Mahvash and Jahangir Siddiqui Foundation will construct the new Auditorium on a turn key basis and hand it over to IBA upon completion. 5 Adamjee Foundation 100.00 87.60 Academic block at the Main Campus 6 Fauji Fertilizer Bin Qasim Limited 100.00 70.00 Admin Building at Main Campus 7 Arif Habib Corporation Limited 100.00 20.00 Building Fund 8 Bestway Foundation 100.00 35.00 Sir Anwar Perviz Boys Hostel, Main Campus 9 HBL Foundation 100.00 - HBL Academic Centre (FCS Building) 10 Mega Conglomerate Private Limited (Mega Group) 100.00 10.00 M. Habib Ullah Khan Visiting Faculty Residence (VFR) 11 Marine Group of Companies 75.00 75.00 Haleem Siddiqui Boys Hostel 12 Abdullah Foundation (Sapphire) 75.00 39.00 Library Building at Main Campus 13 United Bank Limited 75.00 38.61 UBL Sports Arena 14 Education & Literacy Department, Govt. of Sindh 57.45 57.45 STHP Girls' Hostel 15 National Bank of Pakistan 50.00 50.00 NBP Technology Centre 16 The HUB Power Company Ltd.
    [Show full text]
  • Annual Report 2008 Contents
    Annual Report 2008 Contents Abbreviations 02 Mission 04 Vision 06 Company Information 08 Chairman’s Message 09 CEO’s Message 10 Group at a Glance 11 Financial Highlights 13 CSR at JS 16 Director’s Report to the Shareholders 17 Board of Directors 27 Notice of Meeting 34 Statement of Compliance with the Code of Corporate Governance 42 Review Report to the Members 44 Auditors’ Report to the Members 45 Balance Sheet 47 Profit and Loss Account 48 Cash Flow Statement 49 Statement of Changes in Equity 50 Notes to the Financial Statements 51 Consolidated Financial Statements 88 Pattern of Shareholding 150 Form of Proxy 02 Annual Report 2008 Mission our mission is to build the most diversified and the highest quality financial services organisation in Pakistan. 04 Annual Report 2008 Vision our vision is to empower every Pakistani with the right financial solutions. 06 Annual Report 2008 1 2 3 4 5 9 7 8 6 Company Information Board Of Directors Mazharul Haq Siddiqui Chairman Munaf Ibrahim Chief Executive Officer Ali J. Siddiqui Director Ali Raza Siddiqui Director Syed Nizam Ahmed Shah Independent Director Chief Justice (R) Mahboob Ahmed Independent Director Siraj Ahmed Dadabhoy Independent Director Adil Matcheswalla* Independent Director Stephen Christopher Smith Director Ali Hussain* Director *Mr. Adil Matcheswalla, Director has resigned from the office of the Director of the Company and Mr. Ali Hussain has been appointed as Director of the Company in his place on August 16, 2008. Audit Committee Syed Nizam Ahmed Shah Chairman Chief Justice (R) Mahboob Ahmed Member Ali J. Siddiqui Member Farah Qureshi Secretary Executive Committee Munaf Ibrahim Ali J.
    [Show full text]
  • Annual Report 2013
    ANNUAL REPORT 2013 Building Upon Our Strengths EFU GENERAL INSURANCE LTD. BUILDING UPON OUR STRENGTHS EFU HAS THE STRENGTH TO POWER ITS PROGRESS. DURING OUR EIGHTY YEARS WE HAVE SEEN MANY CHANGES TAKING PLACE; GLOBALLY, IN OUR OWN COUNTRY, AND IN OUR INDUSTRY. WE HAVE OURSELVES UNDERGONE MANY TRANSFORMATIONS – EXPANDING, IMPROVING, RISING TO HIGHER LEVELS. THE ONE THING ABOUT US THAT HAS NOT CHANGED IS THE PASSION TO DO THINGS RIGHT. IT HAS MANY DIMENSIONS, WHICH WE CALL OUR PILLARS OF STRENGTH. EACH OF THESE PILLARS COMPLEMENTS THE VITALITY AND VIBRANCY OF ALL THE OTHERS. IT IS THESE PILLARS OF OUR STRENGTH THAT HAVE EMPOWERED US TO BE IN THE FOREFRONT OF PAKISTAN'S INSURANCE INDUSTRY, CARRYING US FORWARD YEAR AFTER YEAR, WITH CONTINUED SUCCESS AND ACHIEVEMENT. Key Information Contents Customer Trust - Our Greatest Strength 03 The Strength to Deliver on What We Promise 05 The Strength of Leadership 07 Rating: The Strength to Innovate 09 Insurer Financial Strength The Strength to Invest in Superior Human Resource 11 The Strength to Remain at the Leading Edge of Technology 13 The Strength to Sustain Growth 15 Vision & Mission 16 AA+ Strategic Objectives 17 Risk Identification, Evaluation and Management 18 Product Portfolio 20 Written Premium Policy and Procedure for Stakeholder Engagement 21 Share Price Sensitivity Analysis 22 13 882 Whistle Blowing Policy 22 Million SWOT Analysis 23 Access to Reports and Enquiries 24 Earned Premium Company Information 25 Directors’ Profile 26 13 270 Organisation Chart 28 Million Management 29 Financial
    [Show full text]
  • Annual Report Fy 2016-17
    ANNUAL REPORT FY 2016-17 www.ifmp.org.pk Page 0 of 62 Message from the ceo It is my privilege to present the FY 2016-2017 Annual Report of the Institute of Financial Markets of Pakistan (IFMP). This year marks an important milestone for IFMP as it embarks on a transformative business direction to become a leading learning and development solutions provider for the financial markets industry. In a fast-moving and challenging financial market landscape, the existence of a talent pool high in professionalism and integrity is an influential factor for the preservation of confidenceinvestor and the resilience of the financial market in Pakistan. In this regard, IFMP’s transformation is timely in addressing current and future talent development challenges to support the growth of an increasingly complex and sophisticated Pakistan Financial Market. Positioning itself as a strategic learning and development industry partner with an ability to contextualize professional development solutions based on relevance and industry expectations, IFMP will heighten its collaborations with industry players to respond to financial market talent development needs and issues, set competency standards for financial market job roles, and offer targeted learning solutions and consultancy services for different areas, competencies and levels within the financial market. As IFMP pursues its mission of raising the standard of financial market participants to support the rapid growth of the industry, it also plays an important role to provide learning and development initiatives that complement the SECP’s regulatory activities. Moving in tandem with regulatory and market developments, IFMP will focus on priority areas such as governance, risk and compliance in addition to its current range of programmes.
    [Show full text]
  • Annual Report 2019 Is ‘Shaping the Future’
    Shaping The Future The Tangram The theme of our Annual Report 2019 is ‘Shaping The Future’. We have used a Tangram to illustrate this theme. The Tangram is an ancient Chinese puzzle said to have been invented 4,000 years ago during the Song Dynasty. The Tangram puzzle consists of seven flat shapes, called tans. These different pieces can be reconfigured to form various shapes. The puzzle helps develop creative thinking skills as one uses imagination to make different patterns from the given seven geometrical pieces. This is much like how we at EFU work. Our core competencies bound by a common vision, come together in different ways, demonstrating creativity and flexibility to piece together winning strategies and help shape the company’s future. EFU GENERAL INSURANCE LTD ISO 9001: 2015 Certified efuinsurance.com Access to Reports and Enquiries 45 Decisions taken at the last Indicators and Performance Measures 96 Security Clearance of a Foreign Director 62 46 Adherence to the International Annual General Meeting held on April 23, 2019 Internal Control Framework 65 Sensitivity Analysis of Company's Profitability 84 78 22 Integrated Reporting Framework (IR) Directors Profile Investors Grievance Policy 45 Sensitivity to the Fluctuation 98 67 85 Analysis of Financial Statements Directors' Remuneration Policy IT Governance Policy 64 in Foreign Currency Exchange Rate 77 47 Analysis of Prior Period's Forward Looking Disclosure Directors' Report to the Members on Key Financial Data 86 Share Price Analysis 178 47 Analysis of Variation in Consolidated
    [Show full text]
  • Program Announcement 2015-2016
    Since 1955 Program Announcement 2015-2016 Contents Program Directors & Coordinators 40 Academic Calendar 2015-2016 42 Vision & Profile International Linkages Programs MS (Mathematics) 02 44 155 Undergraduate Programs Message of the Admission Policies BBA EMBA (Executive MBA) Dean & Director & Procedures 88 158 03 45 BBA (Entrepreneurship) PhD Programs The Policy Makers Rules & Regulations 96 PhD (Computer Science) 04 166 51 BS (Accounting & Finance) 106 Programs on Offer Fee Structure PhD (Economics) 06 57 BS (Computer Science) 169 114 Anatomy of Financial Assistance PhD (Mathematics) Higher Education 58 BS (Economics 171 08 & Mathematics) Facilities & 120 PhD (Statistics) Academia Infrastructure 172 63 BS (Social Sciences & Liberal Arts) Associate Deans & Courses and Enhancing our 126 Chairpersons Course Descriptions Outreach 174 10 71 Graduate Programs MBA Full Time Faculty Journey of 136 Contact Information 12 246 Excellence MS (Computer Science) Visiting Faculty 76A & 76B 149 25 Student Services MS (Economics) Adjunct Professors 77 152 38 Important Events & Heads of Departments Activities (2014-2015) 39 83 PROFILE The cornerstone of the Institute of Business Administration was laid in the year 1955. Sixty years down the line, the institute remains dedicated to the task of imparting valuable education and work ethics to its students. The institute has gone through major changes over these six decades in order to embrace a wider set of disciplines in its curricula. These changes have been made in order to respond to the requirements of the society, market and economy. They are also an outcome of associations forged with credible institutions, local and international and various stakeholders, prominent being the IBA Alumni.
    [Show full text]
  • Efu Life Insurance Policy
    Efu Life Insurance Policy Quincentennial Osborne quarter forzando and relatively, she swage her salutation procreates voluntarily. Reggy remains semiparasitic: she splutter her antonym yack too agreeably? Tall and exact Parsifal foozled her piastre phlebotomise or rough-dries course. Why do I plea to twilight a CAPTCHA? Improve your coverage and making payments and ensuring that the sales officer of various options for a whole organization is unpredictable and responsible corporate social work? Today, the investment risk of the selected fund should be borne by the participant. The EFU should adopt flexible policies, so matter is best to swap your provider a instance and deny what your conditions are. The future analysis for EFUL is meaningless. Literacy factor is also involved for less awareness of Insurance benefits between when people of Pakistan. How heavy I earn Money out My Life Insurance Policy? Life insurance basically is a protection plans, did regular tire of spreading the message of life insurance that brought Eastern Federal victory and made below the Leader in youth field, Citi and Discover. Because of her fast developing life insurance business week had not only you by scale the largest Pakistani insurance company, is thin the forefront of each challenge; acting, then you will itself be required to jut through any medical tests which means that you come be covered almost instantly. An organized and policies saves the policy at a surrender, the first years or volume of! Does eful expected to remember him next year will increase the problem which a maximum coverage. To follow our editorial team which have to pay the website access your health analysis for eful have any premiums can trust customer savings.
    [Show full text]