Catalogue Search | MBRL
Are you sure you want to remove the book from the shelf?
{{itemTitle}}
4,815
result(s) for
"Tariq, Muhammad"
Sort by:
Efficiency, market concentration and bank performance during the COVID-19 outbreak: Evidence from the MENA region
This study aims to contribute to the existing literature that explores the impact of market concentration on bank efficiency in emerging economies. Using a sample of 225 banks in 18 countries in the Middle East and North Africa (MENA) region over the period 2006–2020, we empirically investigate the significance of this relationship. Since the evidence of concentration effect on efficiency during the COVID-19 outbreak is ambiguous, we test the hypothesis that the efficiency is positively affected by the level of banking market concentration in the MENA region. We adopt fixed effect model specifications and test the robustness of our results with the two-step Generalized Method of Moments (GMM) estimation technique. Our analysis finds a strong positive association between market concentration and bank efficiency. The analysis of different types of banking systems that co-existing in the MENA region (Islamic and conventional) indicates the market concentration effect is more pronounced when the banking institution is Islamic and during the COVID-19 outbreak. Moreover, the better economic performance of Islamic banks during the initial stage of pandemic further increases their efficiency. Our analysis indicated that the impact of market competitive conditions on bank efficiency varies significantly across banks with different ownership structures and is more pronounced for government-owned banks. The results are robust using different model specifications and alternative estimation techniques.
Journal Article
Interaction between bacterial endophytes and host plants
Endophytic bacteria are mainly present in the plant’s root systems. Endophytic bacteria improve plant health and are sometimes necessary to fight against adverse conditions. There is an increasing trend for the use of bacterial endophytes as bio-fertilizers. However, new challenges are also arising regarding the management of these newly discovered bacterial endophytes. Plant growth-promoting bacterial endophytes exist in a wide host range as part of their microbiome, and are proven to exhibit positive effects on plant growth. Endophytic bacterial communities within plant hosts are dynamic and affected by abiotic/biotic factors such as soil conditions, geographical distribution, climate, plant species, and plant-microbe interaction at a large scale. Therefore, there is a need to evaluate the mechanism of bacterial endophytes’ interaction with plants under field conditions before their application. Bacterial endophytes have both beneficial and harmful impacts on plants but the exact mechanism of interaction is poorly understood. A basic approach to exploit the potential genetic elements involved in an endophytic lifestyle is to compare the genomes of rhizospheric plant growth-promoting bacteria with endophytic bacteria. In this mini-review, we will be focused to characterize the genetic diversity and dynamics of endophyte interaction in different host plants.
Journal Article
Evaluation of clinical manifestations, health risks, and quality of life among women with polycystic ovary syndrome
This study aimed to evaluate the clinical manifestations and health risks associated with polycystic ovary syndrome (PCOS) and its impact on quality of life (QOL) in Pakistan. A detailed cross-sectional study was conducted on PCOS among women of reproductive age visiting the gynecology and obstetrics and endocrinology departments at primary and tertiary care hospitals located in Abbottabad, Kohat, and Islamabad. In total, 440 patients meeting the inclusion criteria were included. A checklist was specifically designed to identify symptoms and health risks, including adverse drug reactions, complications, irrational prescription or underprescription, and drug-drug interactions. The Short Form-12 questionnaire was used to evaluate the QOL of patients with PCOS. Data collected were analyzed for descriptive and inferential statistics using chi-square test, analysis of variance, and post hoc analysis. All patients exhibited the cardinal symptoms of PCOS, including obesity (n = 352, 80%), acne (n = 296, 67.3), hirsutism (n = 299, 68%), hyperglycemia (n = 278, 63.2%), and irregular menstruation (n = 316, 71.8%). Ultrasonography confirmed that 268 (61%) patients had multiple cysts of >10 mm in diameter. Patients with untreated PCOS exhibited a high prevalence of health risks including hypertension (n = 87, 19.8%), diabetes (n = 268, 60.9%), sleep apnea (n = 11, 2.5%), infertility (n = 146, 33.2%), increased endometrial thickness (n = 21, 4.8%), miscarriages (n = 68, 15.5%), high cholesterol level (n = 85, 19.3%), and hyperandrogenism (n = 342, 77.7%). Most patients exhibited low QOL scores (n = 374, 85%), with depression being the largest contributor to low QOL. Apart from novel results, this study found an association between depression and low QOL in patients with PCOS, suggesting the need for reviewing the management guidelines and psychological health assessment of women with PCOS.
Journal Article
Digital Twins in Built Environments: An Investigation of the Characteristics, Applications, and Challenges
The concept of digital twins is proposed as a new technology-led advancement to support the processes of the design, construction, and operation of built assets. Commonalities between the emerging definitions of digital twins describe them as digital or cyber environments that are bidirectionally-linked to their physical or real-life replica to enable simulation and data-centric decision making. Studies have started to investigate their role in the digitalization of asset delivery, including the management of built assets at different levels within the building and infrastructure sectors. However, questions persist regarding their actual applications and implementation challenges, including their integration with other digital technologies (i.e., building information modeling, virtual and augmented reality, Internet of Things, artificial intelligence, and cloud computing). Within the built environment context, this study seeks to analyze the definitions and characteristics of a digital twin, its interactions with other digital technologies used in built asset delivery and operation, and its applications and challenges. To achieve this aim, the research utilizes a thorough literature review and semi-structured interviews with ten industry experts. The literature review explores the merits and the relevance of digital twins relative to existing digital technologies and highlights potential applications and challenges for their implementation. The data from the semi-structured interviews are classified into five themes: definitions and enablers of digital twins, applications and benefits, implementation challenges, existing practical applications, and future development. The findings provide a point of departure for future research aimed at clarifying the relationship between digital twins and other digital technologies and their key implementation challenges.
Journal Article
Information and Communication Technology (ICT) and Environmental Sustainability in Developed and Developing Countries
This study conducts a comparative empirical analysis of 132 developed and developing economies to explore the links of ICT with environment over the period 1980-2016. The empirical analysis is based on Pooled Ordinary Least Squares (POLS) and Generalized Method of Moments (GMM) estimation techniques. Theoretically environmental effects of ICT are ambiguous. To settle it empirically, this study points out the heterogeneous consequences of ICT for environment in developed and developing countries. Findings of the study suggest that ICT has the power to determine ecological future of the world. However, its favorable outcomes are observed only in developed countries while adverse impacts prevail in developing countries. The empirical results confirm 'Greening through ICT' hypothesis for developed countries implying that ICT is an effective tool to mitigate environmental degradation. Moreover, 'Environmental Kuznets' hypothesis is also confirmed which implies that the relationship between CO2 emissions and GDP per capita is non-monotonic. The empirical analysis is based on novel measures of ICT such as online service, telecommunication infrastructure and electronic government unlike previous literature that generally emphasized only internet as a measure of ICT. Moreover, to the best of our knowledge, this is the first study of its kind that identifies heterogeneous outcomes of ICT between developed and developing countries. Findings of the study imply that investment in ICT infrastructure is essential for environmental sustainability only in the case of developed countries.
Journal Article
Competition, capital growth and risk-taking in emerging markets: Policy implications for banking sector stability during COVID-19 pandemic
This paper investigates how banking competition and capital level impact on the risk-taking behavior of banking institutions in the Middle East and North Africa (MENA) region. The topic is perceived to be of significant importance during the COVID-19 pandemic. We use data for more than 225 banks in 18 countries in the MENA region to test whether increased competition causes banks to hold higher capital ratios. Employing panel data techniques, and distinguishing between Islamic and conventional banks, we show that banks tend to hold higher capital ratios when operating in a more competitive environment. We also provide evidence that banks in the MENA region increase their capitalization levels in response to a higher risk and vice versa. Further, banking concentration (measured by the HH-index) and credit risk have a significant and positive impact on capital ratios of IBs, whereas competition does play a restrictive role in determining the level of their capital. The results hold when controlling for ownership structure, regulatory and institutional environment, bank-specific and macroeconomic characteristics. Our findings inform regulatory authorities concerned with improving the financial stability of banking sector in the MENA region to strengthen their policies in order to force banks to better align with capital requirements and risk during the COVID-19 pandemic.
Journal Article
Ensemble learning for multi-class COVID-19 detection from big data
Coronavirus disease (COVID-19), which has caused a global pandemic, continues to have severe effects on human lives worldwide. Characterized by symptoms similar to pneumonia, its rapid spread requires innovative strategies for its early detection and management. In response to this crisis, data science and machine learning (ML) offer crucial solutions to complex problems, including those posed by COVID-19. One cost-effective approach to detect the disease is the use of chest X-rays, which is a common initial testing method. Although existing techniques are useful for detecting COVID-19 using X-rays, there is a need for further improvement in efficiency, particularly in terms of training and execution time. This article introduces an advanced architecture that leverages an ensemble learning technique for COVID-19 detection from chest X-ray images. Using a parallel and distributed framework, the proposed model integrates ensemble learning with big data analytics to facilitate parallel processing. This approach aims to enhance both execution and training times, ensuring a more effective detection process. The model’s efficacy was validated through a comprehensive analysis of predicted and actual values, and its performance was meticulously evaluated for accuracy, precision, recall, and F-measure, and compared to state-of-the-art models. The work presented here not only contributes to the ongoing fight against COVID-19 but also showcases the wider applicability and potential of ensemble learning techniques in healthcare.
Journal Article
Investigating the effect of N-doping on carbon quantum dots structure, optical properties and metal ion screening
Carbon quantum dots (CQDs) derived from biomass, a suggested green approach for nanomaterial synthesis, often possess poor optical properties and have low photoluminescence quantum yield (PLQY). This study employed an environmentally friendly, cost-effective, continuous hydrothermal flow synthesis (CHFS) process to synthesise efficient nitrogen-doped carbon quantum dots (N-CQDs) from biomass precursors (glucose in the presence of ammonia). The concentrations of ammonia, as nitrogen dopant precursor, were varied to optimise the optical properties of CQDs. Optimised N-CQDs showed significant enhancement in fluorescence emission properties with a PLQY of 9.6% compared to pure glucose derived-CQDs (g-CQDs) without nitrogen doping which have PLQY of less than 1%. With stability over a pH range of pH 2 to pH 11, the N-CQDs showed excellent sensitivity as a nano-sensor for the highly toxic highly-pollutant chromium (VI), where efficient photoluminescence (PL) quenching was observed. The optimised nitrogen-doping process demonstrated effective and efficient tuning of the overall electronic structure of the N-CQDs resulting in enhanced optical properties and performance as a nano-sensor.
Journal Article