Applying Financial Efficiency to Mitigate Systemic Risk

The main intent of the study is to ascertain the degree of financial efficiency in the product of Murabaha financing of Islamic banks vis-à-vis interest based short term business loan of conventional banks; so that the tools of Islamic Macro-prudential policy related to risk associated with Murabaha financing may be formulated and implemented along with the tools of Conventional Macro-prudential policy. Survey strategy is used to collect primary data through structured close ended questionnaires from the sample of 422 loan customers and 120 Murabaha customers of both the conventional and Islamic banks operating in Karachi, Pakistan. Similarly, 178loan officers of conventional banks and 98 Murabaha officers of Islamic banks were also inquired through the same strategy. Quantitative and qualitative techniques were used to analyze the data and the same is tabulated by use of frequency tables. The study finds that the financial efficiency of Murabaha financing is more than that of conventional interest based loan by 28% in the opinion of Murabaha and loan officers and by 6.5% in the perspective of Murabaha and loan customers. The study, therefore, suggests that the tools of both the conventional and Islamic Macro-prudential policies may be similar to certain extent but should not be the same. Keywords: Murabaha financing, Financial efficiency, Systemic risk, Interest based loan, Islamic Macro-prudential policy. JEL Classification Numbers: G01, G 21, G 28, G32, H2

SOCIO- DEMOGRAPHIC AND DIETARY DETERMINANTS OF OVERWEIGHT AND OBESITY IN MALE PAKISTANI ADULTS

The aim of this study was to identify potential socio-demographic and dietary determinants of overweight and obesity in men to provide basis for effective prevention strategies. A stratified random sample of 897 men (aged >30 years and free from any chronic / congenital diseases) were selected for the study from Mardan city located in the North West of Pakistan. Height and weight of the subjects were measured using standard anthropometric methods; body mass index (BMI) was calculated. Data on dietary intake, overweight /obesity trend in the families, physical activity and socio-economic status were collected by interview. Pearson’s chi square statistic and chi square trend were used to determine the differences in prevalence of overweight and obesity between different groups. Multiple logistic regressions were used to identify potential socio-demographic and dietary factors associated with overweight / obesity. Using BMI, subjects were identified as normal (<25), overweight (25-29.9) and obese (≥30). Overall, prevalence of overweight and obesity was 33% and 9% respectively. There was an increasing trend in the prevalence of overweight and obesity with increasing age (OR: 1.15, 95% CI: 1.12-1.18). Among socio-economic factors; occupation, family history of overweight/obesity, monthly income and physical activity were found to be significant predictors of overweight/obesity in study subjects. In contrast to developed countries, increased income was associated with increased levels of overweight/obesity. Among dietary factors, daily energy intake and subjects’ preferences for fried meat and fatty foods were evident as significant correlates of overweight/obesity. Strong predictors of overweight and obesity included income level, physical inactivity and poor dietary preferences in the study population

Epidermal growth factor receptors: function modulation by phosphorylation and glycosylation interplay

Post-translational modifications (PTMs) of proteins induce structural and functional changes that are most often transitory and difficult to follow and investigate invivo. Insilico prediction procedures for PTMs are very valuable to foresee and define such transitory changes responsible for the multifunctionality of proteins. Epidermal growth factor receptor (EGFR) is such a multifunctional transmembrane protein with intrinsic tyrosine kinase activity that is regulated primarily by ligand-stimulated transphosphorylation of dimerized receptors. In human EGFR, potential phosphorylation sites on Ser, Thr and Tyr residues including five autophosphorylation sites on Tyr were investigated using insilico procedures. In addition to phosphorylation, O-GlcNAc modifications and interplay between these two modifications was also predicted. The interplay of phosphorylation and O-GlcNAc modification on same or neighboring Ser/Thr residues is termed as Yin Yang hypothesis and the interplay sites are named as Yin Yang sites. Amongst these modification sites, one residue is localized in the juxtamembrane (Thr 654) and two are found in the catalytic domain (Ser 1046/1047) of the EGFR. We propose that, when EGFR is O-GlcNAc modified on Thr 654, EGFR may be transferred from early to late endosomes, whereas when EGFR is O-GlcNAc modified on Ser 1046/1047 desensitization of the receptor may be prevented. These findings suggest a complex interplay between phosphorylation and O-GlcNAc modification resulting in modulation of EGFR's functionalit

Oct-2 DNA binding transcription factor: functional consequences of phosphorylation and glycosylation

Phosphorylation and O-GlcNAc modification often induce conformational changes and allow the protein to specifically interact with other proteins. Interplay of phosphorylation and O-GlcNAc modification at the same conserved site may result in the protein undergoing functional switches. We describe that at conserved Ser/Thr residues of human Oct-2, alternative phosphorylation and O-GlcNAc modification (Yin Yang sites) can be predicted by the YinOYang1.2 method. We propose here that alternative phosphorylation and O-GlcNAc modification at Ser191 in the N-terminal region, Ser271 and 274 in the linker region of two POU sub-domains and Thr301 and Ser323 in the POUh subdomain are involved in the differential binding behavior of Oct-2 to the octamer DNA motif. This implies that phosphorylation or O-GlcNAc modification of the same amino acid may result in a different binding capacity of the modified protein. In the C-terminal domain, Ser371, 389 and 394 are additional Yin Yang sites that could be involved in the modulation of Oct-2 binding propertie

Serological and Molecular Characterization of Blood Group A2 in Pakistan

Objective: To determine the frequency of Blood Group A2 genotype among Group A Pakistani whole blood donors. Study Design: Cross-sectional study. Place and Duration of Study: Armed Forces Institute of Transfusion (AFIT), Rawalpindi Pakistan, from Jan 2019 to Jan 2020. Methodology: One thousand (1000) healthy and unrelated blood donors were selected. The blood samples were typed for ABO, and those of Blood Groups-A and AB were further subtyped with the help of anti-A1 lectin to categorize them as A1,non-A1, A1B and non-A1B Groups. Next, DNA of non-A1 samples was extracted, and a Polymerase Chain Reaction using sequence-specific primers (PCR-SSP) for type A2 was performed, followed by polyacrylamide gel electrophoresis (PAGE). Results: Among one thousand blood donors, 247(24.7%) were typed as Blood Group-A, 94(9.4%) as AB-Group, 339(33.9%) BGroup and 320(32%) O Group with variable strength of reaction with ABO antisera. A and AB Blood Groups were further subgrouped as A1 202(20.2%), A1B 77(7.7%), non-A1 45(4.5%) and non-A1B 17(1.7%). Anti-A1 antibodies were detected in 6(13.3%) of non-A1 samples. PCR of non-A1 samples showed 32(12.9%) to be genotypically A2, and the remaining 13(5.2%) were not A2 and were not further resolved. Conclusion: Blood Group A2 is not a rare Subgroup in our population. PCR-SSP is a more specific technique than anti-A1 lectin for establishing the Blood Group status of an individual

Analysis of non-newtonian magnetic casson blood flow in an inclined stenosed artery using caputo-fabrizio fractional derivatives

Background and Objective: Arterial diseases would lead to several serious disorders in the cardiovascu- lar system such as atherosclerosis. These disorders are mainly caused by the presence of fatty deposits, cholesterol and lipoproteins inside blood vessel. This paper deals with the analysis of non-Newtonian magnetic blood flow in an inclined stenosed artery. Methods: The Casson fluid was used to model the blood that flows under the influences of uniformly dis- tributed magnetic field and oscillating pressure gradient. The governing fractional differential equations were expressed using the Caputo Fabrizio fractional derivative without singular kernel. Results: The analytical solutions of velocities for non-Newtonian model were then calculated by means of Laplace and finite Hankel transforms. These velocities were then presented graphically. The result shows that the velocity increases with respect to Reynolds number and Casson parameter, while decreases when Hartmann number increases. Conclusions: Casson blood was treated as the non-Newtonian fluid. The MHD blood flow was accelerated by pressure gradient. These findings are beneficial for studying atherosclerosis therapy, the diagnosis and therapeutic treatment of some medical problems

Over-investigation and overtreatment in pediatrics: a survey from the European Academy of Paediatrics and Japan Pediatric Society

IntroductionAvoiding over-investigation and overtreatment in health care is a challenge for clinicians across the world, prompting the international Choosing Wisely campaign. Lists of recommendations regarding medical overactivity are helpful tools to guide clinicians and quality improvement initiatives. We aimed to identify the most frequent and important clinical challenges related to pediatric medical overactivity in Europe and Japan. Based on the results, we aim to establish a (European) list of Choosing Wisely recommendations.MethodsIn an online survey, clinicians responsible for child health care in Europe and Japan were invited to rate 18 predefined examples of medical overactivity. This list was compiled by a specific strategic advisory group belonging to the European Academy of Paediatrics (EAP). Participants were asked to rate on a Likert scale (5 as the most frequent/important) according to how frequent these examples were in their working environment, and how important they were considered for change in practice.ResultsOf 2,716 physicians who completed the survey, 93% (n = 2,524) came from 17 countries, Japan (n = 549) being the largest contributor. Pediatricians or pediatric residents comprised 89%, and 51% had 10–30 years of clinical experience. Cough and cold medicines, and inhaled drugs in bronchiolitis were ranked as the most frequent (3.18 and 3.07 on the Likert scale, respectively), followed by intravenous antibiotics for a predefined duration (3.01), antibiotics in uncomplicated acute otitis media (2.96) and in well-appearing newborns. Regarding importance, the above-mentioned five topics in addition to two other examples of antibiotic overtreatment were among the top 10. Also, IgE tests for food allergies without relevant medical history and acid blockers for infant GER were ranked high.ConclusionOvertreatment with antibiotics together with cough/cold medicines and inhaled drugs in bronchiolitis were rated as the most frequent and important examples of overtreatment across countries in Europe and Japan

A qualitative study exploring perceptions and attitudes of community pharmacists about extended pharmacy services in Lahore, Pakistan

Background In recent decades, community pharmacies reported a change of business model, whereby a shift from traditional services to the provision of extended roles was observed. However, such delivery of extended pharmacy services (EPS) is reported from the developed world, and there is scarcity of information from the developing nations. Within this context, the present study was aimed to explore knowledge, perception and attitude of community pharmacists (CPs) about EPS and their readiness and acceptance for practice change in the city of Lahore, Pakistan. Methods A qualitative approach was used to gain an in-depth knowledge of the issues. By using a semi-structured interview guide, 12 CPs practicing in the city of Lahore, Pakistan were conveniently selected. All interviews were audio-taped, transcribed verbatim, and were then analyzed for thematic contents by the standard content analysis framework. Results Thematic content analysis yielded five major themes. (1) Familiarity with EPS, (2) current practice of EPS, (3) training needed to provide EPS, (4) acceptance of EPS and (5) barriers toward EPS. Majority of the CPs were unaware of EPS and only a handful had the concept of extended services. Although majority of our study respondents were unaware of pharmaceutical care, they were ready to accept practice change if provided with the required skills and training. Lack of personal knowledge, poor public awareness, inadequate physician-pharmacist collaboration and deprived salary structures were reported as barriers towards the provision of EPS at the practice settings. Conclusion Although the study reported poor awareness towards EPS, the findings indicated a number of key themes that can be used in establishing the concept of EPS in Pakistan. Over all, CPs reported a positive attitude toward practice change provided to the support and facilitation of health and community based agencies in Pakistan