Research Project lesson

The results of HRM619 Final Project Assignment # 07 have been officially announced! Evaluated projects are now available on the course VULMS. Students can find their results categorized as Pass, Needs Improvement, or Fail.

Pass Results for HRM619 Final Project

Students who have received a Pass in their written work, including the HRM619 Final Project and Proposal, should take the following steps:

  1. Review Feedback: Carefully read the comments provided on your evaluated HRM619 Final Project.
  2. Prepare for Presentation: Start preparing for the upcoming presentation and viva voce.
  3. Guidelines: Refer to the presentation guidelines available in the HRM619 Handbook, uploaded on VULMS.
  4. PowerPoint Preparation: Utilize the presentation template to design your PowerPoint slides for the HRM619 Final Project. An assignment for submitting these slides will be opened soon.

The schedule for presentations and viva voce is currently being organized and will be communicated to students via their respective VU e-mail IDs.

Fail Results and Next Steps

For students whose results indicate Fail in their written work, it is crucial to follow the university’s regulations to enroll in the next semester (Fall 2024).

Students who had a valid proposal but did not pass the HRM619 Final Project in Assignment # 07 may still qualify for a presentation and viva voce if they pass their written work by submitting improved projects as instructed. These students will be considered for the Fall 2024 semester. If they do not meet the requirements, their results will remain as Fail, necessitating enrollment in the next semester, following the university’s guidelines for their study program (Spring 2025).

Ratio Analysis of    ABL (Allied Bank), UBL (United bank) and MCB (For the year 2020,2021,2022,2024

Ratio Analysis: Understanding Financial Performance

Ratio analysis is a key tool used to evaluate a company’s financial performance by examining relationships between various figures in its financial statements. Commonly used ratios include the liquidity ratio, which assesses a company’s ability to meet short-term obligations, and the profitability ratio, which measures its ability to generate earnings relative to revenue or assets. Efficiency ratios examine how well a company uses its resources, while leverage ratios look at the extent of a company’s debt. Through trend analysis and comparative analysis, businesses can identify strengths and weaknesses, making ratio analysis a critical aspect of financial decision-making and performance evaluation.

Executive Summary

The purpose of the ratio analysis of the report is to analyze the financial statements of the mentioned banks to calculate their financial capacity within the banking sector or with respect to the others. In order to analyze the liquidity, profitability, capital position and efficiency in the use of the available resource ratios, different elements of the same declarations or different declarations are addressed. Thus the current analysis was established to know the real facts regarding financial health performance associated with MCB, ABL and UBL for the year 2020,2021,2022,2024. The reason for conducting this study was to see the actual financial position of the selected banks and the present study has achieved its objective successfully.

Writing a ratio analysis of banks involves assessing the financial health and performance of a bank by analyzing various financial ratios. These ratios help stakeholders, such as investors, analysts, and regulators, gain insights into the bank’s liquidity, profitability, solvency, and efficiency. Here’s a step-by-step guide on how to write a ratio analysis of banks:

How to Write Ratio analysis of banks

Gather Financial Statements:
Obtain the bank’s financial statements, including the balance sheet, income statement, and cash flow statement. You may find these documents in the bank’s annual report or on their website.

Calculate Key Ratios:
Calculate a variety of financial ratios to evaluate the bank’s performance. Some key ratios to include are:

Liquidity Ratios:

Current Ratio = Current Assets / Current Liabilities
Quick Ratio (Acid-Test Ratio) = (Current Assets – Inventory) / Current Liabilities
Profitability Ratios:

Net Interest Margin = (Net Interest Income / Average Earning Assets) * 100
Return on Assets (ROA) = (Net Income / Average Total Assets) * 100
Return on Equity (ROE) = (Net Income / Average Shareholders’ Equity) * 100
Efficiency Ratio = (Non-Interest Expenses / Net Revenue) * 100
Solvency Ratios:

Capital Adequacy Ratio (CAR) = (Tier 1 Capital + Tier 2 Capital) / Risk-Weighted Assets
Debt to Equity Ratio = Total Debt / Shareholders’ Equity
Asset Quality Ratios:

Non-Performing Loan Ratio (NPL) = (Non-Performing Loans / Total Loans) * 100
Loan Loss Provision Ratio = (Loan Loss Provisions / Total Loans) * 100
Interpret the Ratios:
Explain the significance of each ratio and what it indicates about the bank’s financial performance. For example, a high current ratio indicates good short-term liquidity, while a low efficiency ratio suggests operational efficiency.

Compare with Industry Benchmarks:
Compare the bank’s ratios with industry averages or benchmarks to determine how it performs relative to its peers. Highlight any areas where the bank outperforms or lags behind the industry.

Trend Analysis:
Analyze the ratios over multiple years to identify trends. Are the ratios improving, deteriorating, or remaining stable over time? This can provide valuable insights into the bank’s financial trajectory.

Qualitative Analysis:
Consider qualitative factors that may impact the bank’s performance, such as changes in regulations, economic conditions, or the competitive landscape. Discuss how these factors might influence the ratios.

Risk Assessment:
Assess the overall risk profile of the bank based on the ratios and qualitative factors. Are there any signs of financial distress or instability?

Recommendations and Conclusion:
Summarize your findings and offer recommendations. If the bank is performing well, you can suggest areas for further improvement. If there are concerns, provide suggestions for addressing them.

Disclosure of Assumptions:
If you made any assumptions or used specific accounting methods in your analysis, be transparent about them.

Formatting and Presentation:
Present your analysis in a clear, organized, and professional manner. Use charts and graphs to illustrate key points.

Remember that a comprehensive ratio analysis should consider a combination of ratios to provide a holistic view of the bank’s financial health. Additionally, use the most recent and relevant financial data available for your analysis, and be mindful of any changes in accounting standards or reporting practices that may affect your interpretation of the ratios.

The current study has divided this study into several sections, but the more important section of this study is Data Analysis portion. Here, the study has identified the ratios of selected banks. The study has calculated and identified the ratios of each and displayed in table. In each table, there are findings of three selected bank. The study has also presented this data with graph and interpretation. Therefore with the help annual reports, profit and loss, the study has achieved all the objectives mentioned in this report. In Data Analysis section, the study has observed that Net profit margin ratio of MCB has been found greater than other bank. The study has further found that operating to cash flow ratio of MCB is higher then ABL and UBL. Gross spread ratio of ABL has been found on top as compare to other banks. The study has also suggested some measures at the end of this report for improvement.

Table of Contents

1     Section I 10

Chapter No 1: Introduction. 11

1.1      Introduction of the Project: 11

1.2      The financial period under consideration for analysis (2018, 2019, 2020) 12

1.3      Introduction to banks. 12

1.3.1       United Bank. 12

1.3.2       MCB.. 13

1.4      Background: 13

1.5      Objectives of the study. 14

1.6      Significance of the project 14

2     Chapter No. 3 METHODOLOGY.. 16

2.1      Types of Research. 16

2.2      Data Collection Sources:- 16

2.3      Data Collection Tools/Instruments: 16

2.3.1       Subjects/Participants: 17

2.4.1       Population. 17

2.4.2       Sample size. 17

2.4.3       Unite of Analysis. 17

2.4.4       Sampling frame. 18

2.4.5       Sampling technique. 18

2.5      Fieldwork/Data Collection: 18

2.6      Data Processing Tools:- 18

3     Chapter 3 Data / Ratio Analysis. 19

3.1      Net Profit Margin. 19

Operating Cash Flow Ratio. 20

3.2      Gross Spread Ratio. 24

3.3      Non-Interest Income to Total Income Ratio “. 25

3.4      Spread Ratio. 27

3.5      Advances / Deposits Ratio. 29

3.6      Return on Total Equity (ROE) 30

3.7      Debt Ratio. 31

3.8      Debt / Equity Ratio. 33

3.9      Price/Earnings Ratio. 34

4     Conclusion, Recommendations. 36

4.1      Conclusion. 36

4.2      Recommendations. 37

REFRENCES:- 38

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B.ED (1.5 and B.ED/2.5)

The scientific research could be a sensible course within which the tyro academics are going to be concerned with the action research method. The scientific research is going to be the individual work of the scholar. The course can change them to set up, observe, act and mirror throughout action analysis method. A tyro teacher conducting scientific research is going to be supervised by a supervisor. The analysis is going to be conducted by every tyro teacher on an individual basis.

The trainee teacher will select a problem of his/her own interest related to an area of education, for example “effectiveness of use of AV aids within classroom on the academic achievement of secondary school students in Pakistan Studies”, “problems faced by students in understanding English Literature at Matric level”, “Effectiveness of discussion method for developing social skills of seventh class students” and “a study to assess the effect of exam anxiety on academic achievement of eighth class students”. The trainee teacher will select appropriate research design and research instrument to carry out the research for the identified problem under the supervision of the tutor.

What is Responsibility of B.ED Research project Supervisor 

Trainee Teacher is expected to actively work for completing the B.ED research project within time. The supervisor would provide guidance and support to trainee teachers for successfully carrying out the AIOU B.ED research project. However, it is the responsibility of the trainee teacher to complete his/her research project in time.

The supervisor will prepare and communicate to trainee teacher a schedule of meetings so that the trainee teacher may interact with him/her after every one-two weeks. The purpose of these meetings is to monitor the progress and guide in the research work of trainee teacher. Trainee teacher can present his/her progress report to the supervisor during these meetings. The supervisor will give comments, assign further tasks, and provide guidance in the B.ED research project. The supervisor can also visit the designated research site of a trainee teacher. The supervisor can observe one or more interventions at the research site to check the progress of B.ED research project and guide student teacher for further procedure.

The supervisor-trainee teacher meetings are meant to facilitate the trainee teacher in B.ED research project. Trainee teacher can attend all or some of these meetings depending upon his/her need and progress in the research work. However, trainee teacher must discuss each and every step of the B.ed research project with the supervisor. The tentative schedule of supervisor-trainee teacher meetings is given below. However, minor amendments can be made to make the adjustment to local circumstances.

B.ED Research Project Submission Procedure 

B.ED Research project is a practical course. There will be no written exam and viva voce in the course. The B.ED research project after its completion will be submitted to the regional center of Allama Iqbal Open University by the trainee teacher with the signature of supervisor. AIOU B.ED Research project submission approval form (Appendix E) duly signed by supervisor must be attached with research project report at the time of final submission. The research project must be properly bound at the time of submission.

The soft copy of AIOU B.ED research project report in CD must also be submitted by the researcher at the time of final submission. The trainee teacher will be assessed by the evaluator on his/her report of the B.ED research project. Trainee teachers will attend the compulsory workshop of 03 days duration before working on the AIOU research project for BE.D.

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Authentic leadership

Authentic Leadership, Psychological Capital, and Emotional Intelligence are three highly important variables in management science. The research scholars have tested their relationships in various fields, domains, cultures, and organizations. The relationship between Authentic Leadership and psychological capital in government departments and the mediating role of Emotional Intelligence in between two variables i.e. AL and PC has not been examined before.

The current research analysis the mediating role of Emotional Intelligence of followers in the relationship between Authentic Leadership and Psychological Capital of followers. The model has been tested in a public sector organization i.e. Sindh High Court. The finding of the current research shows that there are positive relationships among all the three variables i.e. Authentic Leadership, Psychological Capital and Emotional Intelligence of followers. It is also found that Emotional Intelligence of followers partially mediates the relationship between Authentic Leadership and Psychological Capital of followers.

A result of Tabit Model Indicated the behavior of price deviation inSSFs can be determined by different factors. It is observed that absolute mispricing increase with the decreasing time to maturity of these contracts.  Increasing price bands are also associated with increasing volatility of underlying stock.  Absolute mispricing behaves differently for liquidity, as measured by trading volume, of futures and their underlying stock.

Lower liquidity of SSF  narrows mispricing spreads. While open interest cannot significantly explain the behavior of mispricing.  Implications of the study for investors and other stakeholders have also been discussed.

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Our HRM619 project proposal writing services are designed to help you present a clear and well-structured plan. We assist in refining your research topic, drafting a strong problem statement, setting realistic objectives, and providing a comprehensive methodology. Our team ensures that your proposal aligns with the course requirements, highlighting key HR strategies, practices, and theories that will be central to your project. You can count on us to deliver a proposal that is both academically sound and compelling, increasing the likelihood of approval on the first submission.

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The MGT619 project proposal is a critical step for students in business management courses. Crafting a proposal that is well-organized, focused, and relevant to modern management issues is key to successfully completing this course. Whether your focus is on strategic management, operations, or organizational development, we are here to help you articulate your project ideas clearly and effectively.

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For marketing students, the MKT619 project proposal plays a crucial role in shaping your final project. Whether you’re exploring consumer behavior, digital marketing strategies, or brand management, your proposal must demonstrate a clear understanding of current marketing trends and practices. A poorly constructed proposal can delay your progress, but a strong, well-researched proposal sets the foundation for a successful project.

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The purpose of the project research proposal is to:

  • Present the topic of the project and its importance.
  • Give an idea to the instructor about how you will proceed the project.
  • Suggest the size of the sample, sampling strategy, instrument/tool for data collection and procedure of data collection, analysis, and interpretation.

A research proposal is also known as a work plan, prospectus, and outline, statement of intent or draft plan. It tells us:

  • What will be done?
  • Why it will be done?
  • How it will be done?
  • Where it will be done?
  • For whom it will be done?
  • What is the benefit of doing it?

1.1 Introduction: It should include:

  • Problem Statement
  •  Operational definition of variables and concepts
  • Theoretical framework of the concepts and variables
  • Descriptions of the project title i.e. what this project is all about?

1.2 Literature Review:

The literature review includes the researchers that have been done on the topic/ variables. All the work which has been done should be searched from the books, research journals, databases, and sites. The purpose of the Literature review is to detect what aspects of the topic have been explored and which areas need further
investigation. A researcher has to point out that which aspect has not been investigated previously and what the present project is going to explore. The researchers should quote citations and references of the literature being reviewed according to APA (American Psychological Association Guidelines).

1.3 Significance of the study: 

What is the importance and application of your study should be including in this section? When you are taking into account the importance of your study, pose yourself the following questions.

  • Why is this research needed?
  • What will be the outcomes of this research study?
  • Will the results of this research contribute to the solution or development of
    anything related to it?
  • What will be improved or changed as a result of the
    proposed research?
  • How will results of the study be implemented and what innovations will come
    out?

1.4 Objectives of the Study

The purpose and objective of the research should be included in this section.

1.5 Hypotheses: A research question poses a relationship between two or more variables but phrases the relationship as a question; a hypothesis represents a declarative statement of the relations between two or more variables (Kerlinger, 1979; Krathwohl, 1988). Hypotheses are relevant to theoretical research and are typically used only in the quantitative inquiry. It is better when Hypotheses will be grounded in the theoretical framework. e.g. “Private employees are more committed than government employees.

Chapter No 2: Methodology
Explain methodology of your project and provide justification. Tip: Keep in view the methodology used on the topic by other researchers previously and provide reference according to APA format.

2.1  Data Collection Tools/Instruments

  • Which tools will be used for data collection (i.e. Questionnaire, Structured
    Interviews, Observations, etc) according to the need of the project?
  • Why is a particular tool selected?
  • Is it possible to use multiple tools? If yes provide justification.

2.2 Subjects/Participants:

  • What is the target population?
  • What will sampling frame be used?
  • What type of sampling technique will be used?
  • 2.4 Fieldwork/Data Collection:
    How will the data be collected?How will the quality be controlled and assured during data collection?
    How will the answers to practical issues be answered? For example
    if you are going to carry out the survey, then think about where and for how
    long this survey will be carried out? Will organizations (specify names)
    provide you access (physical, time, documents) to what you need for your
    project?

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Dear sir,

Please explain letter of transmutation and letter of authorization.

Letter of Transmittal is written to release the report to the recipient. It also serves to establish some rapport between the reader and the writer Letter of Authorization is a letter to the researcher approving the project, detailing who has responsibility for the project and indicating what resources are available to support it.

Dear sir, Define limitation in FGD.

Results of the focus group discussions cannot usually be generalized beyond the population from where the participants in FGD came. The moderator may influence focus group discussion and may bias the information.

Dear sir, Please define Case study with example.

Case study is a comprehensive description and analysis of a single situation or a number of specific situations i.e. cases.  It is an intensive description and analysis of a case. The examples could be a case study of a highly successful organization, a project (Kala Bagh Dam), a group, a couple, a teacher, and a patient. You can follow the link to understand case study; http://www.luchzanirato.com/kentucky-fried-chicken-kfc-business-case-studies/.

Please explain reliability and validity in HRM619 Final Project.

Dear Student

Reliability and validity are two important criteria of good measurement. In any research whether, communication or non-communication, reliability and validity is way important. Validity of instrument refers to measure exactly what it is intended to measure and reliability of instrument refers to have consistent result repeatedly.

Please explain inferences form non reactive.

Firstly the concept is Inferences from Non-Reactive Data. Write proper concept if you are intended to ask. Inference means conclusion which refers to deduce meaning after analyzing the content. In content analysis, researcher’s inference play pivotal role in whole analysis. It is difficult to generalize the deduced inferences in content analysis research as there is less objectivity in it.

What is meant by construct please explain with example.

A construct also called a concept is a name, term or terminology which a researcher gives to evidences found in reality. The task of the researcher is to find out the reality; in finding out this reality he observes various objects, attributes, or processes. These objects, attributes, or processes when given a name are called construct. For example, the researcher wants to find out how much employees are willing to work in an organization. This attribute of willingness is given a name “motivation”, now motivation is a construct.

Please explain measurement and coding with example.

Measurement means taking possible observable dimensions of a construct are to be taken while measuring it. For example we want to know about spending habits of consumers. Here we have to define consumers. We classify them in terms of frequency of purchases made or by dividing them in terms of social class. Coding means labeling each category formed in measurement process.

Please explain manifest and latent coding with example.

While doing content analysis researcher can code categories by two ways; manifest coding and latent coding. Dictionary meaning of manifest is clearly apparent and manifest coding is to code categories that are visible and apparent. For example, you as a researcher coded smiley face as happiness, and where you see smiley face, while analyzing the content, you perceive it as happiness. Dictionary meaning of latent is hidden and latent coding is coding in which researcher tries to comprehend the hidden meaning of content. For example, researcher reads full content (story or any phrase) and decides whether written material is about happiness or not.

Coder’s knowledge about social meaning can influence latent coding hence it tends to be less reliable than manifest coding.

Please explain Variables and constructing coding categories with example.

Variables and constructing coding categories is one of the steps of conducting content analysis research. In this step, researcher need to first identify variable that he wants to study. For example variable is empowerment more specifically women empowerment. Now in order to operationally measure the variable researcher has to develop some codes. Codes are usually developed on the base of intensity of occurring. Defined codes help researcher, after reading or watching the content, to measure whether women are being empowered or not. For example, you watch a movie to analyze whether women are empowered or not. In a movie you see the stories of 5 women and each takes her own decision independently. You can say after analyzing the movie that women are highly empowered in it. Codes are helpful in such a way that researcher after analyzing content, categorize the content with respect to the defined code.

Hope it will answer the query.

Please define results, conclusion and recommendations.

Dear Student,

Following is the explanation of terms you asked:

  • ·         Results

This is mostly the longest part of the research report. All the major findings are discussed in it which is obtained from tables and graphs. The results should be organized in coherent and logical way.

  • ·         Conclusions and Recommendations

In this part, the researcher links the findings with the management problem. In conclusion sort of solution is given to clients along with the recommendations for the organization.

Dear sir  tell me with one example participant and non participant observation, also meanings.

In participant observation, researcher observes and studies people by directly interacting with them for example, field researches whereas; in non-participant observation, researcher tries to observe the behavior of people without interacting with them.  For example, observing the behavior of shoppers in a departmental store through a mirror or on a closed circuit TV.

Dear sir what are the important varieties of non reactive observation?

Varieties of non-reactive observation include Physical traces, Archives and Observations. Physical traces include Erosion and Accretion. Archives include Running Records (Regularly produced public records) and other Records (Private records). Observations include External appearance, Count Behaviors and Time Duration.

Dear sir what is importance of debriefing in research?

Debriefing refers to the explanation of any deception with the participants and all the reasons for using deception in the context of the study’s goals. Debriefing retains the goodwill of the respondent and providing incentive to participate in future research projects.

Sir pleases explain statistical control with example.

Dear Student

Once you found the relationship; positive linear or negative linear, next thing is to get confirmed that relationship is genuine and there is no spuriousness in it. In order to see whether relationship is spurious or not researcher has to eliminate alternative hypothesis or explanation from study. In experimental study, researcher actually controls all other alternative explanations but in survey study, researcher controls such alternative explanations through statistics.

In statistics control in VU final project, another variable is taken which is called as control variable and its effect is checked on variables which are under observation. If control variable changes the nature of relationship then it means relationship between dependent and independent variable is not genuine but if control variable does not effect on relationship among variables then it means relationship is genuine.

For example, a researcher is studying IQ level of students of different levels and he found that students of higher level have more IQ. Now he wants to check whether such relation is genuine or not, therefore, he takes gender as control variable. If gender causes any difference in relationship then it means identified relation is spurious and if it does not then it means relation is genuine.

Hope it will answer the query.

Sir please explain linear relationship, negative, positive and curvilinear relationship with example.

A relationship that occurs between variables when change in one variable creates a change of same amount in other variable is called linear relationship. Linear relationship can either be negatively or positively related. Positive linear relationship means that increase in one variable creates an increase of same amount in other variable, whereas, relation will be negative if change in one variable creates decrease in other variable. A curved relationship is called curvilinear, because it approximates a curved line. In curvilinear relationships, the data points increase together up to a certain point (like a positive relationship) and then as one increases, the other decreases (negative relationship). It can also happen the other way round.

Sir please explain about control variable with example.

Control variable is the variable which is held constant in a research in order to study the relationship between two variables. In some researches there are certain variables that can influence dependent – independent relationship and can modify the overall result findings. Thus, in order to have actual results researchers keep those variables constant.

Researchers control variable by keeping it constant for example temperature.

What is 3rd factor? and trivariate table in VU final Project?

Trivariate table consist of three variables. Basically in lesson 32, trivariate tables are constructed to check the influence of control variable on bivariate relationship whether relationship is spurious or not. Trivariate tables consist of multiple bivariate tables.

Third factor is basically third variable.

What is linear and diagonal relationship?

Dear Student

Linear relationship between variables depict that variables are either directly proportional or inversely proportional to each other. Linear relationships can be shown by straight line drawn in diagonal cells. The term diagonal means line joining two nonconsecutive vertices of a square which is a linear line. Thus, when linear relationship between variables is drawn, it forms a shape of diagonal. The term diagonal relation is not used in statistics rather linear relationship is used.

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