his study seeks to investigate the relationship between intellectual capital and bank's performance in Pakistan. A sample of five major Islamic Banks of Pakistan had taken for the period 2009-2014. Multiple regression analysis is used to show the relationship of intellectual capital and the bank's performance. The results suggest that the bank's performance (ROA and ROE) is positively and significantly related to the intellectual capital (Structural capital, Human capital and Capital employed efficiency) of Pakistani Islamic Banks. Human capital efficiency and capital employed efficiency show direct association with the bank's performance whereas structural capital efficiency shows no relationship with the bank's performance in Pakistan. Human capital efficiency is significantly and positively related to ROA, ROE, asset turnover and EPS. Physical capital employed efficiency of Islamic banks is significantly and inversely related to ROA and asset turnover; however it is positively and significantly related to ROE and EPS. Structural efficiency is significantly but inversely related to ROA and earnings per share and shows no association with ROE and EPS.
his paper analyzes the issue of the nature of demand for house financing offered by Islamic banks in the Pakistan. The paper also identifies the factors that impact demand for house financing offered by Islamic banks. The study used survey data based on convenient face to face interview of 243 respondents. The study regressed conventional demand for Islamic house financing on six regressors: Shariah compliance, convenience, bank features, product features, social influence and knowledge. The study reveals that the nature of demand for Islamic house financing is conventional. The results of the study also indicate that religious factor negatively affect the demand for Islamic house financing whereas all other factors affect it positively. The study will help managers of Islamic banks to increase their market share in house financing by focusing on those factors which significantly affect the demand for their product.
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