Dr Ramla Sadiq

Ramla Sadiq is currently an Assistant Professor at the School of Business and Economics, University of Management and Technology. Ramla holds a degree of MBA (Finance) and is currently engaged in teaching courses related to the field of Finance. She also conducts research classes and co-supervises M.Sc. Finance research students in thesis development. She has taught a wide variety of courses at the School at the undergraduate as well as graduate level. Her research interests include corporate finance, investor behavior in risk management, transformations in money and banking, role of accounting policies in financial strategies, corporate innovation and financial impacts, Islamic banking and finance.  Her work has been published in national HEC recognized journals, as well as on international platforms. She is currently a PhD candidate, pursuing her research interests in the current challenges and future prospects of banking and finance.

• Sadiq, R. Khan, T., & Arshed, N. (2018). Empirical Analysis of Structural Income Changes in Commercial Banks: A Case of Pakistan. Lahore Journal of Business, 7(1), 33-59.  [HEC Recognized Y Category]
• Khan, T., Sadiq, R. , & Mushtaq, A. (2017). Credit Risk and Banks Stability: An Empirical Analysis of Pakistani Banking Sector. Journal of Business & Economics, 9(2), 20-45. [HEC Recognized X Category]
• Sadiq, R., Ehtesham, U., & Khan, T. (2017). Sensitivity of Investment to Internal Funds and its Impact on Asset Sales and Performance: Case of a Developing Economy. Global Management Journal for Academic & Corporate Studies, 7(2), 90-110. [HEC Recognized Y Category]
• Rafay, A., Sadiq, R. & Mohsan, T. (2016). X-Efficiency in Banking Industry – Evidence from South Asian Economy. Global Management Journal for Academic & Corporate Studies, 6(1), 25-36. [HEC Recognized Y Category]
• Rafay, A., Sadiq, R., & Ajmal, M. (2016). Fragmentation of Islamic Financial Products–An Exploratory Study of Islamic Schools of Thought. Abasyn Journal of Social Sciences, Special Issue, 48-61. [HEC Recognized X Category]
• Rafay, A., Sadiq, R., & Ajmal, M. (2016). The Effect of IAS-24 Disclosures on Governance Mechanisms and Ownership Structures in Pakistan. Lahore Journal of Business, 5(1), 15-36.  [HEC Recognized Y Category]
• Rafay, A., & Sadiq, R. (2015). Problems and issues in transformation from conventional banking to Islamic banking: Literature review for the need of a comprehensive framework for a smooth change. City University Research Journal, 5(2), 315-326. [HEC Recognized Y Category]
• Sadiq, R., & Mushtaq, A. (2015). The Role of Islamic Finance in Sustainable Development. Journal of Islamic Thought and Civilization, 5(1), 47. [HEC Recognized Z Category]
• Mushtaq, A., Sadiq, R., & Ijaz, F. (2014). Religious Education: Analysis Over the Years. Journal of Islamic Thought and Civilization, 4. [HEC Recognized Z Category]

• Khan, T. M., Rizvi, S. K. A., & Sadiq, R. (2019). Disintermediation of banks in a developing economy: Profitability and depositor protection in adverse economic conditions. Managerial Finance, 45(2), 222-243. [Index: Scopus/SJR]
• Ajmal, M.M., Rafay, A. & Sadiq, R. (2017). Pricing of Bai Salam: An Analytical Perspective. International Journal of Business & Society, 18(S1), 167-176 [Indices: Scopus/SJR, Clarivate Analytics ESCI] [H-Index: 8]
• Rafay, A., Sadiq, R., & Ajmal, M. (2017). Uniform framework for Sukuk al-Ijarah–a proposed model for all madhahib. Journal of Islamic Accounting and Business Research, 8(4), 420-454. [Indices: Scopus/SJR, Clarivate Analytics ESCI] [H-Index: 10] [ABDC Category: C]
• Rafay, A., Sadiq, R., & Ahmed, S. (2017). 'Capital Investment Anomaly'and'Accruals Anomaly': Independent Or Inter-Dependent?–Evidence from South Asia. Evidence from South Asia Jurnal Pengurusan (UKM Journal of Management), 50. [Indices: Scopus/SJR] [H-Index: 7]
• Nosheen, S., Sadiq, R., & Rafay, A. (2016, September). The primacy of innovation in strategic financial management-understanding the impact of innovation and performance on capital structure. In 2016 IEEE International Conference on Management of Innovation and Technology (ICMIT) (pp. 280-285). IEEE. [Index: Scopus/SJR]

Book Chapters

• Rafay, A., Mohsan, T., & Sadiq, R. (2016). Structural Mix of Credit Portfolios in Islamic Banking System: Evidence from a South Asian Economy. In Advances in Islamic Finance, Marketing, and Management: An Asian Perspective (pp. 185-210). Emerald Group Publishing Limited.

• Sadiq, R., Arshed, N., & Ahmad, H. K. (2017). Determinants of Cost Efficiency of Islamic Banks of Pakistan. The Journal of Muamalat and Islamic Finance Research, 111-128.

Rafay, A., Sadiq, R. & Nosheen, S. (2018, Mar 30-31). Evolution of Corporate Governance Practices in SAARC Region- A Historical Analysis. Paper presented at International Conference on Creating Inclusive Organizational and Public Spaces 2018, LUMS Lahore, Pakistan.

Ramla, S., & Rafay, A. (2017, April 21-22). Impact of Intangible Assets recognized under IAS-38 on Firms' value. Paper presented at the Fifth Annual Business Research Conference on Managing Business in Pakistan, Lahore School of Economics, Pakistan.

Nosheen S., Sadiq, R., Rafay, A. The primacy of innovation in strategic financial management-understanding the impact of innovation and performance on capital structure. In Management of Innovation and Technology (ICMIT), 2016 IEEE International Conference on Management of Innovation Technology (pp. 280-285). IEEE.

Rafay, A., Ajmal, M., Sadiq, R. Pricing Bai Salam: An Analytical Perspective. In Islamic Finance Banking and Business Ethics – Global Conference at LUMS, Lahore – 2016.

Rafay, A., Sadiq, R., Ajmal, M. Fragmentation of Islamic Financial Products- An Exploratory Study of Islamic Schools of Thought.  In Towards Financial Inclusion: Developments in Islamic Economics, Banking, and Finance at Institute of Management Sciences (IMS), Peshawar - 2016

Sadiq, R. Rafay, A., Ajmal, M. Implications of RPTs Recognized under IAS24 : Evidence from Chemical and Pharmaceutical Sector. In 5th Annual Conference of AMDIP "Management Challenges and Business Transformation" (2015).

American Finance Association

Society for Financial Studies

Asian Academy of Management

Business Finance

Financial Management

Advanced Financial Management

Corporate Finance

Money and Banking

SME, Microfinance & Agricultural Finance

Research Methods and Techniques for Finance