Talat Afza, PhD
Professor of International Trade & Finance
Dean Faculty of Management Sciences
COMSATS Institute of Information Technology Lahore, Pakistan

Salaman Ahmed, PhD
Professor of Economics
Director Academics
COMSATS Institute of Information Technology Lahore, Pakistan

Muzzafar Ali Qureshi
Professor of Management
COMSATS Institute of Technology
Islamabad Pakistan

Carol Ann, APR. PhD
Professor of Public Relations
University of the Pacific
USA

Nazari Ismail, PhD
Professor of Strategic Management
University of Malaya, Malaysia

Sheila Osmanwich, PhD
University of East London
UK

Harpreet Kaur, PhD
Deputy Dean.
PCTE, Ludhiana.
Punjab. India

Ehsan Malik, PhD
Professor of Marketing
Director
IBA University of Punjab. Lahore

Ijaz Shafi Gilani, PhD
Professor of IR
Chairman
Gallop Pakistan

Mutee-ur-Rehman Mirza, FCMA, FCA
Director KMR Management Consultant
Islamabad, Pakistan

Cole Hackley, PhD
Professor
University of the Pacific
USA

K.S.Kang, PhD
Professor of Marketing
Director
Technology University Jalendher Punjab. India

Naseer Ahmed, PhD
Professor of Marketing
COMSATS Institute of Technology
Attock Pakistan

Majid Rashid, PhD
Professor of Marketing
AIOU Islamabad Pakistan

Qingwen Dong, PhD
Professor,
Chairman University of the Pacific

Manuscripts Review Committee

Dr Talat Afza, PhD
Dean Faculty of Management Sciences
COMSATS Institute of Information Technology,
Lahore, Pakistan

Mahmood Ahmad Bodla, PhD
Director,
COMSATS Institute of Information Technology,
Sahiwal, Pakistan

Qaisar Abbas, PhD
Chairman Faculty of Management Sciences
COMSATS Institute of Information Technology,
Pakistan

Syed Amjad Farid Hasnu, PhD
COMSATS Institute of Information Technology,
Abbotabad, Pakistan

Salman Ahmad PhD
Professor
COMSATS Institute of Information Technology,
Lahore, Pakistan

Abdul Haque, PhD
Assistant Professor,
COMSATS Institute of Information Technology,
Lahore, Pakistan

Waheed Akhtar, PhD
COMSATS Institute of Information Technology,
Lahore, Pakistan

Muhammad Atif, PhD
COMSATS Institute of Information Technology,
Lahore, Pakistan

Muzzafar Ali Qureshi
Professor of Management
COMSATS Institute of IT, Islamabad Pakistan

Shahbaz Gill, PhD
COMSATS Institute of Information Technology,
Lahore, Pakistan

Hina Abasi Advisor,PhD
COMSATS Institute of Information Technology,
Lahore, Pakistan

Nadeem Akhtar, PhD
Assistant Professor, COMSATS Institute of Information Technology,
Lahore, Pakistan

Muhammad Azeem Qureshi, PhD
Assistant Professor of Management
BZ, University Multan, Pakistan

Kashif-Ur- Rehamn,DBA
Associate Professor of Finance
Iqra University Islamabad Pakistan

Muhammad Aslam Khan, PhD
Professor of Management
Dean Hi-Tech University
Taxila Pakistan

Azhar Akhlaq.
Gotland University, Sweden

Arif Saleem
Bodo School of Management
Bodo, Norway
Bashir Khan, PhD
Chairman Review Committee
Iqra University
Islamabad Pakistan

K.S.Kang, PhD
Professor of Marketing
Director
Technology University Jalendher
Punjab. India

Pawan Kumar Taneja, PhD
Professor of Management
Entrepreneurial Business School
IMDA Gurgaon, India

Nazari Ismail, PhD
Professor of Strategic Management
University of Malaya, Malaysia

Carol Ann, APR. PhD
Professor of Public Relations
University of the Pacific
USA

Nadeem Safwaan , DBA
Assistant Professor of Finance
Foundation University
Islamabad Pakistan

Qingwen Dong, PhD
Professor, Chairman
University of the Pacific USA

CBRC 2009 Organizing Committee

Faiza Hassan

Fukaiha Kaka Khail

Hina Mir

Izza Asad Rasul

Maria Zia

Muhammad Ibrahim

Muhammad Kashif

Naheed Malik

Nasir Malik

Rehan Shaukat

Sajid Nazir

Shahid Kaleem Khan

Syed M Taqi Zaidi

Tariq Hameed Alvi

Umair Saeed

Message by Conference Chair

On behalf of the CBRC-2009 Conference Committee, I would like to thank you all for attending this conference and making it a success. I sincerely hope that this forum would have given an opportunity to researchers to interact with each other and share their work with other fellow researchers.

We are pleased to report that we received more than 160 submissions from more than 59 different universities located in 11 different countries of the world within a short span of time. All the submissions to this conference have underwent a rigorous peer-review and paper selection process. Out of the received submissions, 105 high quality papers were selected for presentation in the conference. In addition, CBRC-2009 is accompanied by distinguished keynote speaker Dr. Shahhid A. Zia, and Dr. Shaukat Ali Hayat (Director CIIT Lahore).

For this phenomenal success I would like to express my appreciations to all program committee members for their professional reviews that helped us to ensure a quality at our conference especially Dr. Bashir Khan (Chairman Review Committee). I would like to thank all the paper authors for their submissions and diligence in preparing the final manuscripts.

Taking this opportunity I would like to express my special gratitude to Proceedings Editor (Mr. Sajid Nazir), Co-Chair (Dr. Ahmad Kaleem and Dr. Salaman Ahmed), for their professional and persistent efforts throughout the time; and to CBRC Organizing Committee (Mr. Nasir, Mr. Tariq Hameed, Ms. Maria, Mr. Shahid, Mr. Ibrahim, Ms. Hina, Ms. Naheed, and other fellows) for their support and hard work. Very special thanks should go to Conference Secretary (Ms. Kanwal Bilal) who has made the organization of CBRC-2009 extremely efficient and smooth. Finally, I would like to thank Mr. Faisal Tahseen Shah and Mr. M Shahzad for their efforts and support.

I sincerely hope that this endeavor by CBRC will benefit all participants by utilizing the knowledge and networking therein to address business challenges facing the world to make this world a better place to live. God bless you!

Dr. Shahbaz S. Gill

shahbazgill@gmail.com

Message by Head of Management Sciences Department

I am privileged to serve as the Head of this department and host for this exuberant conference. I would like to extend first of all, my heartfelt appreciation to those who have joined us either as contributors, participants or sponsors. I have been immensely fascinated by the number and quality of research papers that have been submitted to this “2^nd COMSATS International Business Research Conference”. We received a sum of 120 papers from more than 50 universities with 50 international submissions from country such as France, Itlay, U.S, UK, Malaysia, India, Bangladesh, UAE and Srilanka. I am sure that we have had a remarkable experience while sharing scholarly contributors of world class researchers. With the esteemed presence of brilliant brains, we were able to make a very significant contribution to the great fund of human knowledge.

I would now like to give an exclusive introduction of the Department of Management Sciences by highlighting the programmes offered, profiles of faculty members and research work in the year 2008-09.The Department of Management Sciences is the largest department. Here we are offering the programmes of Bachelors in Business Administration (4 years), Masters in Business Administration (2 years), Masters in Business Administration (1 year) for the students who have qualified BS (BA) of (4 years) duration, MBE (3 years) offered in evening and MPhil in Management Sciences (1.5 years).

In the year 2008-09 the number of students admitted in BBA was 643, in MBA (1 year) 107, in MBE was 302, in MBA (2Years programme) was 579 and in MS(MS) was 29 which makes a total sum of 1660 pupils in the Department of Management Sciences.

In addition to this, we are proud to announce that the total number of students who graduated in BBA programme till 2008-09 was 106, for MBA (1 Year) programme it was 36, for MBE (2 Years) it was 152, for MBA (2 years programme) its 876, in MBA Executive its 20. In MS (MS) its 10 which makes a grand total of 1211 graduates.

I would also like to share with you the details of the profiles of the honorable faculty members of the department of Management Sciences. We have at present 61 faculty members with 13 faculty members have education upto Mphil level and 8 faculty members hold doctorate degrees.

It is of extreme importance to mention here that the Department of Management Sciences is very active regarding the research work. The recently built research centre is a proof of the keen interest and participation of faculty and students in research activities. In 2008-09, a sum of 25 research papers was published and presented in various national and international conferences. In this reference, 6 research papers were published in journals with impact factor. Moreover, 13 research papers were published in HEC recognized journals. Another 6 research papers were presented and published at Refereed International and Local Conferences.

This conference addressed many prevalent and contemporary issues in “Business Economics and Behavioral Sciences” presented by geographically dispersed researchers on assorted topics. The researchers pondered on contemporary issues.

Thus, 2^nd International Business Research Conference was an exceptional forum for researchers, academicians, and practitioners to share and learn the latest findings and novel experiences. The success of this event will augur for opening up new vistas for enhancing Business Research capacities and capabilities and bringing peace and prosperity to all human beings of this planet.

My sincere gratitude.

Prof. Dr. Ahmad Kaleem

Message by Dean Faculty of Business Administration

2^nd COMSAT International Business Research Conference (CBRC-2009) was a significant contribution towards our commitment for quality research in management and related areas. The theme of the conference addressed all the problems and issues that challenge the modern world of management, economics and behavioral sciences.

Participants, researchers and speakers from across the globe joined us on this auspicious occasion. This gathering of international researchers, academicians and management practitioners provided an exclusive opportunity for sharing the innovative ideas, practices and research findings for the development of humanity. The conference was also intended to encourage international participation and contribution to Pakistani academic culture. The augmentation of young Pakistani research scholars was another destined outcome which the organizers looked forward to.

I think this conference have been a vital contribution to our dedication for quality research in various field of business studies.

Prof. Dr. Talat Afza

Faculty of Business Administration

Program & Abstract Book and Research Papers Presented in the Conference

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◘ “Gender Differences and Leadership: An Empirical Evidence”, Dr. Mahmood Ahmad Bodla &

Ghulam Hussain, COMSATS Institute of Information Technology, Sahiwal, Pakistan.

◘ “Relationship between Work Life Balance and Personality Factors among Male Bank Employees”, Syeda Ismat Ikram, Quaid-i-Azam University Islamabad-Pakistan.

◘ “Impact of Employees’ Performance Management System to Achieve the Objectives of the Organizations”, Faisal Tehseen Shah, Muhammad Mahmood Aslam, and Irum Fatima Gulzar, COMSATS Institute of Information Technology Lahore, Pakistan.

◘ “Determinants of Employee Retention in Telecom sector of Pakistan”, Madiha Shoaib, Ayesha Noor, Syed Raza Tirmizi and Sajid Bashir, Army Public College of Management Sciences, Rawalpindi, Pakistan.

◘ “Examining Organizational Citizenship Behavior as the outcome of Organizational commitment: A study of Universities Teachers of Pakistan”, Ayesha Noor, Army Public College of Management Sciences, Rawalpindi, Pakistan.

◘ “Micro financing: A Burden or Blessing”, Dr Mehboob Ahmad & Khalid Zaman, Foundation University Islamabad, Pakistan.

◘ “Bank Loan Officers' Perceptions of Corporate Financial Disclosure in the Banking Sector of Bangladesh: An Empirical Analysis”, Alim Al Ayub Ahmed, Asian University of Bangladesh and Dr. Madan Mohan Dey, Rajshahi University of Bangladesh.

◘ “Comparison of Islamic and Conventional Banking in Pakistan”, Abdul Ghafoor Awan.

◘ “Trade Liberalization and Welfare Effects of South Asia Free Trade Agreement (SAFTA) on Pakistan’s Agriculture by Using CGE Model”, F.M.Shaikh, Nazir Ahmed Gopang & M.Saleem Rahpoto, SZABAC-Dokri- Larkana, University of Sindh and SALU-Khairpur, Pakistan.

◘ “Basket Peg or Flex: A Template for Assessing the Competitiveness of Pakistan’s Trade Sector”, Seemab Rana, Bahaudin Zakaria Universiry, Multan, Pakistan.

◘ “Developing Countries Attitudes towards Business Ethics: Understanding Differing Perspectives and How to Change Attitudes”, Dr Isham Pawan Ahmad, International Islamic University, Malaysia.

◘ “Effects of Advertisement on Consumer Behavior of University Students”, Aneeza Bashir & Najma Iqbal Malik, University of Sargodha, Pakistan.

◘ “Determinants of Consumer Retentions in Cellular Industry of Pakistan”, Jawaria Fatima Ali and Imran Ali, Waseemullah, Ishfaq Ahmed and Muhammad Akram, COMSATS Institute of Information Technology, Lahore, Pakistan, Rawalpindi College of Commerce, Rawalpindi, Pakistan, Hailey College of Commerce, University of Punjab, Lahore, Pakistan.

◘ “Exploring the Difference between Stayers and Switchers as Corporate Customers for Life Insurance Companies in Sindh”, Falah-ud-Din Butt, Niaz Ahmed Bhutto & Ghulam Abbas, Institute of Business Administration, Sukkur, Pakistan.

◘ “Factors in Environmental Advertising Influencing Consumer’s Purchase Intention”, Habib Ahmad, International Islamic University, Islamabad, Pakistan.

◘ “Entrepreneurial Skills Enhance the Achievement Level of Leaders at School Level in Lahore”, Farhat Munir, Farah Naz, University of Management & Technology, Lahore, Pakistan.

◘ “An Empirical Work: Is Your Organization a Learning Organization”, Rabia Kiran, University of Management & Technology Lahore, Pakistan.

◘ “Voice of customer a Quality Function Deployment approach: a quick review and its implementation in small organization”, Faisal Tahseen Shah and Usman Javed Gilani, COMSATS Institute of Information Technology, Lahore, Pakistan.

◘ “Managing Faculty”, Seema Arif & Saima Akram, University of Central Punjab Lahore Pakistan

◘ “University-Industry Cooperation: Problems and Prospects in Case of Pakistan”, Haroon Rashid, COMSATS Institute of Information Technology, Sahiwal, Pakistan.

◘ “On the Relationship of Demography and Academic Dishonest Behaviors of Students”, Mian Sajid Nazir & Muhammad Shakeel Aslam, COMSATS Institute of Information Technology, Lahore, Pakistan.

◘ “An Empirical Study to Examine the Influence of School Teacher’s Personality Traits on Their Leadership Style”, Rahila Nizami, Dr. Kamran Siddiqui, and Ijaz Ahmad Tatlah, University of Management and Technology, Lahore, Pakistan.

◘ “Quality Management in Higher Education- A Perspective”, Saba Rana, Lahore School of Economics, Lahore, Pakistan.

◘ “Student satisfaction towards E-Learning: Influential role of key Factors”, Mahwish W. Malik, International Islamic University, Islamabad, Pakistan

◘ “Pakistani Pronunciation of RP vowels: An Exploratory Study”, Adnan Ali, National University & Modern Languages, Lahore.

◘ “Islamic Micro-Finance and Poverty Alleviation: A Case of Pakistan”, Waheed Akhter, Nadeem Akhtar, Khurram Jafri, COMSATS Institute of IT, Lahore, Paksitan.

◘ “Financial Performance and Earnings of Poor People: A Case Study of Pakistan”, Muhammad Shahbaz and Dr. A.R. Chaudhary, COMSATS Institute of Information Technology, Lahore., Pakistan, National College of Business Administration and Economics, Lahore, Pakistan.

◘ “An Analysis of Consumer Values, Needs and Behavior for Liquid Milk in Hazara, Pakistan”, Khadija Humayun & SAF Hasnu, COMSATS Institute of Information Technology, Abbottabad, Pakistan.

◘ “Consumers’ Usage and Attitude for Credit Cards: A Descriptive Study of Pakistani Consumer”, Afshan Ahmed and Madiha Ahmed, Bahria University, Islamabad, Pakistan, National University of Science and Technology, Rawalpindi, Pakistan.

◘ “Socialization Agents and Adolescents Skepticism towards Personal Care and Food Products Advertising: The Mediating Effect of Marketplace Knowledge”, Dr. Shahbaz Shabbir Gill and Nisar Ahmad, COMSATS Institute of Information Technology, Lahore Pakistan, International Islamic University, Islamabad Pakistan.

◘ “Relationship between Work Life Balance and Job Satisfaction among Employees”, Syeda Ismat Ikram & Momna Anwar, Quaid-i-Azam University Islamabad-Pakistan.

◘ “A Comparative Analysis of Psychographics of Male and Female Entrepreneurs in Urban Informal Sector of North West Frontier Province”, Dr. Ghazala Yasmeen, Mussart Anwar, Javeria, University of Peshawar, Pakistan.

◘ “Individual Differences and Stress-Performance Relationship”, Rubina Kazmi, Shehla Amjad & Dilawar Khan, COMSATS Institute of Information Technology, Abbottabad, Pakistan, Ayub Medical College, Abbottabad, Pakistan.

◘ “Job Satisfaction among Pakistani Teachers,” Effect of Working Condition, Pay-Benefits, and Relationship with Coworkers”, Dr. Shahbaz Shabbir Gill and Khursheed Ahmad, COMSATS Institute of Information Technology, Lahore Pakistan, International Islamic University, Islamabad Pakistan.

◘ “Supportive Learning Environment - A Basic Ingredient of Learning Organization”, Salman Shabbir, University of Management & Technology Lahore, Pakistan.

◘ “Entrepreneur Opportunities for Mobile Phone Industry, A Growth Model for E-Business Firms”, Faiz.M.Shaikh & Dr. Madad Ali Shah, SZABAC-Dokri, & IBA Sukkur, Pakistan.

◘ “Moderating Role of Conflicts on Psychological Contracts and Breach”, Ghazala Mubeen, International Islamic University, Islamabad, Paksitan.

◘ “Corporate Derivatives and Exchange Rate Exposure: Does a Relationship Exist?” Talat Afza and Atia Alam, COMSATS Institute of Information Technology, Lahore, Pakistan.

◘ “The Significance of Financial Literacy”, Farooq Rasheed & Muhammad Arshad, Air University Islamabad, Islamabad, Pakistan.

◘ “An Empirical Analysis of Performance Measurement of the Disclosure in Financial Reporting: A Study of Banking Sector in Bangladesh”, Alim Al Ayub Ahmed and Mushfiq Ahmed, Asian University of Bangladesh, Rajshahi University of Bangladesh.

◘ “Factors Influencing the Price-earnings Multiples and Stock Values in the Karachi Stock Exchange”, Dr.Muhammad Azam, University of Nanterre, France.

◘ “Theoretical Assessment for an Appropriate Exchange Rate Regime in Perspectives of Pakistan’s External Sector Performance”, Seemab Rana, Bahaudin Zakaria Universiry, Multan, Pakistan.

◘ “Prospects of Adopting On-Line Advertising: Firms practicing E-businesses in Pakistan”, Hammad Mushtaq and Haroon Rashid, COMSATS Institute of Information Technology, Sahiwal, Pakistan.

◘ “Geometric Pattern of DNA Help in Signal Processing By Using (HMM) Model”, Naila Rozi, Sir Syed University, Pakistan.

◘ “Role of Multi Agent System for Adoptive e-Market”, Khubaib Ahmed Qureshi, HIMS-IT Dept, HIMS, Hamdard University, Pakistan.

◘ “Business Process Management Bridge between Business and Information Technology”, Dr. Majed Rashid and Salman Sikandar Rana, Alseslama Iqbal Open University, Islamabad, Pakistan.