Department of Economics

Permanent URI for this communityhttps://repository.cuilahore.edu.pk/handle/123456789/17

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    Empirical Investigation of Socio-economic and Bank Specific Factors on Credit Defaults: Evidences from Pakistan
    (Library Information Services, COMSATS University Islamabad, Lahore Campus, 2023) Shehzad Irshad; SP19-REC-003; LHR TP 8078; Dr.Abdul Haque
    Financial institutions are backbone of the economy. A major issue for financial institutions is to investigate the factors which are responsible for credit defaults. This study investigates the impact of various socio-economic and bank specific factors along with inflation rate on loan repayment. Secondary data is used in the study. A Cross-sectional sample of 350 borrowers, which took personal loan from different commercial banks in the area of Lahore was selected. Descriptive as well as multiple regression techniques were used for analysis. The results reveal that borrowers' gender, age, marital status, educational level, occupation, and income do not affect loan repayment. However Interest rate and disbursed amount negatively affect loan repayment, whereas loan maturity period and inflation rate positively effect loan repayment.
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    Perception of Sustainable Tourism: Analysis from Local Community Attitudes
    (Library Information Services, COMSATS University Islamabad, Lahore Campus, 2023) Zoya Yaseen; FA19-REC-003; LHR TP 8477; Dr. Summaira Malik
    This study aimed to explore the impact of sustainable tourism factors - economic, environmental, and sociocultural- on Murree residents with the mediating effect of quality of life and residents' support towards tourism development. In this cross-sectional study, data was collected from the local community of Murree, Pakistan. This study opted for a non-probability sampling technique using a close-ended questionnaire. The response rate of the local community was 85.7%. The present study analyzed the demographic of sample size, descriptive statistics, and correlation. Partial least squares structural equation modeling (PLS-SEM) was used for confirmatory factor analysis (CFA), internal accuracy and validity estimations, hypothesis testing, and mediation testing. The empirical findings revealed the significant and positive mediating role of quality of life between economic impact, sociocultural impact, environmental impact, and support for tourism development. The study also indicated that the majority of the local community supports tourism, but is also most concerned about the high prices, traffic blockage, overcrowding, and making natural landscapes less available. The study emphasizes on the responsibilities of local government in the development of sustainable tourism through well-planned and targeted policies.