i’m Murtazain Raza

An Author | A Banker | PhD Scholar

Murtazain Raza

Summary!

Brief of my Profession, Academic and Authored Research

Assistant Vice President of Habib Metropolitan Bank Limited (Subsidiary of Habib Bank AG Zurich) Head Office, Karachi, Pakistan

Ph.D. Scholar Social Sciences, Hamdard University, Hamdard Institute of Education and Social Sciences, Main Campus, Karachi, Pakistan. I have qualified Master of Philosophy M.Phil Economics Social Sciences from Hamdard University, Main Campus, Karachi, Pakistan & Master of Economics from University of Karachi, Pakistan

Authored Research books & papers for Ecomomic Development of Pakistan 

My Orcid 0000-0002-8301-5827

  • A Banker
  • An Author
  • PhD Scholar

Employment

Education

  • 01
    PHD Student - Economic Development of Pakistan

    Hamdard University

    Pertains to research and development, planning and policy making in key sectors of the economy, in research base planning and responding to emerging challenges.

    June 2015 – Present

  • 02
    Master of Philosophy (M.Phil) Field Of Study Social Sciences

    Hamdard University

    Activities and Societies: 1) Writing papers, recently I written research paper i.e. Impact of flood on Sugar Industry of Pakistan at Interdisciplinary Journal Contemporary Research in Business: Journal Member at Pakistan Institute of Development Economics PIDE 3) Recent projects related to Pakistan Agronomy.

    2010 – Mar 2015

  • 03
    Master of Economics Field Of Study Economics

    Karachi University

    Pakistan is highly reliant on the SME sector, which is key source of income and employment-generating region development of the economy. Pakistan is best in cottage industries, best crops producer like wheat, sugarcane, cotton, and rice. The SME and agriculture sector also a source of scarce foreign exchange earnings and it provides a market for industrial goods. The scope of the study was limited to borrower’s microfinance industries in Sindh. It is one of the major portion to each province in Pakistan. This research study was to analyse the microfinance and agriculture industrial capacity of the borrowers and growers of Sind and its consumption in SME industries, a study of issues and solution.

    2007 – 2008

  • 04
    Master of Business Administration (MBA) Field Of Study Microfinance SMES

    Newports Institute of Communications and Economics

    Microfinance a huge market is the most important primary industries, stayed dormant. Since independence, the area under cane SMEs has increased more rapidly as compared to any other major agriculture sector.

    2008 – 2010

  • 05
    Bachelor of Computer Science

    AGA KHAN UNIVERSITY & HOSPITAL: Data Analysis & designing report for Information System University during graduation in computer science’s project.

    1998 – 2001

Skills

  • 96
    Analysis
  • 87
    Team Management
  • 89
    MIS
  • 70
    Banking
  • 90
    Economics
  • 99
    Project Planning
  • 60
    Retail Banking
  • 77
    Credit
MORE SKILLS
  • Risk Management80%
  • Leadership 80%
  • Financial Risk 70%
  • Business Analysis 80%
  • Financial Analysis 60%
  • Teamwork 70%
  • Financial Reporting 80%
  • Internal Controls 60%
  • International Project Management 70%
  • Research80%
  • Knowledge Management 80%
  • Financial Modeling 70%
  • Credit Risk80%
  • Commercial Banking 80%
  • Data Analysis 70%
  • Market Research 80%
  • Microsoft Office 60%
  • Management Information Systems 70%

Portfolio

Research and Certificates

  • The Cement Industry of Pakistan: A SWOT Analysis e-ISSN: 2395-0463.

    The study attempts to evaluate the cement industry of Pakistan by SWOT analysis. It investigates the major strengths, weaknesses, opportunities and threats of the cement industry of Pakistan. In the early days of Pakistan, this industry was a smaller one but it turned into one of the biggest industries of Pakistan. At present cement industry is one of the top industries of Pakistan which has a significant contribution in the economy of Pakistan. The cement industry of Pakistan is exporting cement after fulfilling the domestic demand. The strengths and opportunities of the cement industry attract not only the domestic investors but also foreign investors. On the other hand cement industry has few problems and threats which affect the industry negatively. The study thoroughly analyzes all the strengths, weakness, opportunities and threats of the cement industry of Pakistan.

    Read More
  • The Economic Analysis of Tobacco Industry: A Case Study of Tobacco Production in Pakistan

    This study investigates the significance of Tobacco industry particularly in the economic perspective of Pakistan economy. Tobacco is an important cash crop of Pakistan which benefits the economy by its multiple consumptions. The Tobacco industry is the only industry in the country which makes prompt payments to its growers for their crops. It also makes a contribution to the government exchequer in the form of taxes and foreign remittances. The Tobacco industry provides employment opportunities to a large number of people who are involved in the farming, production and trading of Tobacco products in the country. According to the estimation, approximately 11 million peoples are directly and indirectly employed in the Tobacco industry. Tobacco is the only crop of Pakistan whose yield is above the world average and matches with per hectare yield of America and other developed countries around the globe.

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  • Role of blended learning in higher education institutes of Pakistan

    This study was conducted to see the effects of the blended learning in higher education institutes of Pakistan. Blended-learning allows face-to- face instruction once a month or in a week with facilities of e-learning through the virtual learning environment. The main purpose of this study is to observe the advantages of blended learning in higher education institutes Pakistan.

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  • Impact of Flood on Sugarcane Industry of Pakistan IJCRB - ISSN 2073-7122

    During the current season 2010-11 most of the Sugar Mills of the Sindh started crushing late October-2010 and up to 31st December, 2010 Crushed 2,165,625 metric tons of sugarcane as against 2,691,769 metric tons crushed in the same period last year. The sugar produced was 167,159 metric tons as against 224,626 metric tons last year and same situation in other provinces. A major issue pertains to sugarcane crushed is more or less the same but production of sugar decreased due to reduction in the recovery percentage. During the current period recovery percentage was 7.72 as against 8.34 % last year. The main cause of reduction in the recovery rate was the excess water due to devastating flood in the country and rain. As a result excessive water was absorbed by the sugarcane crop which reduced the sugar contents in the cane and increased in the weight of the same. This result in dual loss to the mills in the shape of more payments to the growers and less recovery.

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  • Impact of Low-Sugar- Cane-Yield on Sugar Industry of Pakistan  IJCRB ISSN 2073-7122

    Pakistan, till today no research institution has been established for the development of potential sugar cane yield production and increase in the recovery rate of the crushed cane. As a result, sugar recovery is hardly 9.5 percent as against 12-14 percent in other world sugar producing countries. Farmers are the largest body of the farming sector they are more unproductive due to scarcity of land and capital resources. A major portion of farmer‟s population directly and indirectly related to the agriculture sector. Agriculture sector is the backbone of Pakistan‟s economy which contributes more than 22 percent in country‟s gross domestic product. Major issues pertains to the sugar industries‟ necessitate spearhead required research and development efforts, so as to meet its raw material requirements...

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  • Cane Growing Capacity of the Growers of Sindh and its Consumption in Sugar Industries: A Study of Issues and Solutions IJCRB ISSN 2073-7122

    Pakistan, till today no research institution has been established for the development of potential sugar cane yield production and increase in the recovery rate of the crushed cane. As a result, sugar recovery is hardly 9.5 percent as against 12-14 percent in other world sugar producing countries. Farmers are the largest body of the farming sector they are more unproductive due to scarcity of land and capital resources. A major portion of farmer‟s population directly and indirectly related to the agriculture sector. Agriculture sector is the backbone of Pakistan‟s economy which contributes more than 22 percent in country‟s gross domestic product. Major issues pertains to the sugar industries‟ necessitate spearhead required research and development efforts, so as to meet its raw material requirements...

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  • Impact of Electricity Crises on Sugarcane Industry of Pakistan

    Pakistan is a least developed country with limited development in every era due to the junk of problems; as faced today by Pakistan as a country. Unfortunately, it has been initio non-exist. During 60s, realizing its significance, measures were taken for its development and since then the experts have been emphasized the balanced growth between industrial and agriculture sector. About 50 years ago, agriculture sector were overlooked considering their electricity traditionally an outdated sector. Electricity is pivotal in running machinery factories, mills, distillery units, industrial units, as well as lighting societies for the State. This area demands attention. Governments may focus on this subject seriously with the consultation of specialize people then it may cover electricity debit at certain level. Essential requirement of latest technologies like Bagasse/Biogas Energy plants as currently to instate, and fulfill the aggregate demand of electricity for the country. Pakistan needs ...

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  • Foreign Languages Are More Alluring and Beneficial in an Ever Interconnecting Societies

    Foreign Language importance plays an important role in all traits and communiqués in our daily lives. Foreign language is most common mode of communiqué in the societies conversely as common amongst in populace around the world. Foreign languages savvy communicates globally for know how we feel, what we need, and to inquire in regular communiqués vis-à-vis we transfigure lingoes to apiece situation in the society. For instance, we talk to individuals with different stanzas to commune effectively; we drive a communiqué with words, gestures, as communiqué is consequently a full duplex boulevard, with the receiver of the message plays an important role to the extent, altogether inputs (i.e. listening, reading), and outputs (i.e. speaking and writing) are important for communiqué to take place. Foreign language’s we ties avowed with other people and make intellect of our experience, as visualizes at extent it necessarily be alike to develop these skillsets that we take for granted. Shaping of foreign language’s development reflects the identity, traits cultural values, norms and experiences of communiqué. Literature plays a beneficial role for foreign languages captivate improvement skillsets of readers as language reflects literate, how prose brings together all contingent of languages arts.

    Contextually, corollaries depict that it is up to you to develop superlative craftsmanship reflects by all mean with a contented ambiance in which your communiqué can flourish to learn the convolutions of foreign languages. The communiqué skills should learn, by practices, needs to acquire early in life, as it will be the underpinning for communiqué for future prospects. Persuasive language skills are an asset that will embellish a lifetime of effective communiqué, so it is recommended that integration measures should continue to be geared to these aspects.

    Key Words: Industry Studies: Services; Search; Learning; Information and Knowledge; Communication; Planning, Coordination, and Reform, Population, General, Cultural Economics, Economics Sociology

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  • Status of microfinance in India Book review: For the Year 2012-13 Hamdard University, Main Campus Karachi 2012-2013

    Essence of this book origins pertains of rural sector development during last 20 years owe a great deal to these promotional efforts actively supported by NABARD and participated by different stakeholders. National Bank for Agriculture and Rural Development is an apex development bank in India having headquarters based in Mumbai and other branches are all over the country. With the Self Help Group – Bank Linkage Programme SHG-BLP now more than two decades old, NABARD is in the process of redefining the role of SHG-BLP as an effective financial inclusion tool by helping the financial institutions to extend their outreach through SHGs while at the same time helping the SHGs to actively involve itself in promoting livelihood activities for the rural poor. In this context most significant prime factor triumph intact portrays of micro credit institutions’ as it will be finest practice of finance anywhere financial institutions imparts to pursuer as micro credit scheme vis-a-vis related financing lines and their preemptive classification of limits of finance for all small and medium enterprises of the rural sector of India. Major prime element of this book ‘Status of Micro credit 2012-13, is to fix the strategies for 2013-2017 for the core cause for the up to date inclination upward small and medium industrial growth which will creates pitch for this effort to flourish the good enough SME market. This ideal framework, a main workable to develop for small and medium businesses communal populace of financing lines and related revolving credit demands to banquet up over small and medium borrowers as to smooth sailing for any least or under develop country like Pakistan, Bangladesh, Kenya, in cooperation with MFB i.e. micro financial institutions to be contribute by the regulatory framework on directives of Central Bank, so this be an important role for SMEs, to have access to the facilities made attainable from the micro financial institutions.

    Crux of this effort to cater good example for SMEs potential up yield and promote small and medium business which is, in Pakistan have a huge market, demands consideration to promote in the current scenario, as prior focus may position the country and upgrade, this will result better and favourable to up-ranked in the international market.

    Key words: Micro credit, SHGs, Micro finance institutions, NABARD

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  • The use of compliments in English by the undergraduate students in Pakistan, Science International, ISI-Indexed, Pakistan (ISSN 1013-5316, CODEN: SINTE 8).
  • Data Analysis & designing report for Information System University during graduation in computer science’s project.
  • Editorial board members for Sustainable Agriculture Research, Vol. 7, No. 1

    Sustainable Agriculture Research is an international, double-blind peer-reviewed, open-access journal. SAR is published by the Canadian Center of Science and Education in both print and online versions. SAR aims to promote excellence through dissemination of high-quality research findings, specialist knowledge, and discussion of professional issues that reflect the diversity of this field.

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