<!--PROFILEDATA
profileurl=/fusst2/./media/fcv_b/faculty-cv-business/Sara%20Qaim.html
profilepic=https://fusst.fui.edu.pk/fusst2/images/be-related-photos/Sarah%20Qaim%20copy.jpg
name=Dr. Sarah Qaim
designation=Associate Professor
email=sarah.qaim@fui.edu.pk
office=FUSST, New Lalazar, Rawalpindi
bio=Dr. Sarah Qaim is an Associate Professor at Foundation University Islamabad, with extensive experience in academia, research, and industry. She holds a PhD in Management Sciences (Finance) and is a Gold Medalist in MBA from Bahria University. She is a certified trainer from the NUST Professional Development Center and an HEC-approved research supervisor.\nWith over a decade of teaching experience, Dr. Qaim has taught courses in Business Finance, Management Accounting, and Financial Management at undergraduate and graduate levels. She has actively contributed to curriculum development, outcome-based education, and academic quality assurance.\nHer professional background includes industry experience with Telenor Pakistan and Attock Refinery Limited, where she worked on ERP systems and financial operations, strengthening her practical insights.\nDr. Qaim is an active researcher with publications in internationally recognized journals such as SAGE Open. Her research focuses on financial sustainability, corporate governance, and emerging financial systems in developing economies.\nShe is also an experienced trainer, having conducted professional development sessions for institutions like PIM and FBR, and regularly presents her work at international conferences, contributing to academic and professional excellence.
edu=PhD, Foundation University Islamabad\nMS, Iqra University, Islamabad\nMBA, Bahria University\nBBA(Hons), Bahria University
res=Financial Sustainability — examining long-term financial performance and resilience of firms and institutions\nCorporate Governance — analyzing the impact of policies, ownership structures, and governance mechanisms\nFinTech & Financial Inclusion — exploring digital financial adoption and its role in expanding access to finance\nEarnings Management — investigating its implications for transparency and financial decision-making\nCorporate Social Responsibility (CSR) — studying its dual impact on firm performance, especially in crisis contexts\nFinancial Markets — focusing on stock market behavior, volatility, and emerging market dynamics\nDevelopment Economics — understanding financial systems and policy interventions in emerging economies\nData Analytics in Finance — applying quantitative techniques for financial modeling and decision-making
patents=None
journals=1.	Qaim S, Ellahi N, (2024) Implications of Policies and Governance on Financial Sustainability In The Light Of Earnings Management: An Evidence from an Emerging Economy. Sage Open.  https://doi.org/10.1177/21582440241290348 Impact factor: 2.032 \n2.	Tariq, W., Qaim, S., Jawad, K., Hayat, R., & Hussain, S. (2024). Impact of COVID-19 Pandemic and Vaccinations on Pakistan Stock Exchange. Journal of Regional Studies Review, 3(1), 1-7. https://doi.org/10.62843/jrsr/2024.31013\n3.	Fayyaz H, Qaim S, & Malik I (2024) Punjab Cash & Carry: A Success Story of a Common Man. International Journal of Social Science Archives.\n4.	Ahmed S, Ellahi N, Waheed A & Aman N (2022) Policy Intervention and Financial \nSustainability in an Emerging Economy: A Structural Vector Auto Regression Analysis. \nFrontiers in Psychology.  https://doi.org/10.3389/fpsyg.2022.924545.  Impact factor: 4.232\n5.	Naeem. M, Qaim Sarah, Sohail Asiya (2022) Would Corporate Social Responsibility Act as a Double-edged Sword in a Pandemic (Covid-19)? Research Journal of Social Sciences & Economics Review. DOI: https://doi.org/10.36902/rjsser-vol2-iss2-2022 (35-39).\n6.	Ahmed, S., & Tirmizi, S. M. (2020). Financial Sustainability and Financial Performance: The Moderating Role of Type of Ownership in Pakistan. Journal of Accounting and Finance in Emerging Economies 6(4), 1181-1187, https://doi.org/10.26710/jafee.v6i4.1478\n\n7.	Ahmed, S. & Tirmizi, S. A (2021). Conceptual Framework of Financial Sustainability based on Government Policies Interventions: A Modelling Approach. International Journal of Innovation, 15(8), 16.\n8.	Ellahi, N., Kiani, A. K., Awais, M., Affandi, H., Saghir, R., & Qaim, S. (2021). Investigating the Institutional Determinants of Financial Development: Empirical Evidence from SAARC Countries. SAGE Open 11(2), DOI: 10.1177/21582440211006029. Impact Factor: 0.75\n9.	Kashif, S., Ali, M., Salahudin, T., Qaim, S., & Imtiaz, A. (2021). Impact of Trust, Individualism and Job Characteristics on Team Work in Telecom Sector of Pakistan. International Journal of Advanced Research in Engineering and Technology, DOI: 10.34218/IJARET.12.3.2021.0044.\n10.	Maroof, Z., Qaim, S., & Hadi, N. u. (2021). Knowledge, Attitude, and Practice towards COVID-19 among Pakistan University Students. International Journal of Innovation, Creativity, and Change, Volume 15, Issue 6, 433-445.\n11.	Qaim, S., Zulifiqar, B., Shahzad, A., & Salahuddin, T. (2021). Financial Sustainability and Firm Performance Impact on Stock Prices: An Evidence from an Emerging Economy. Elementary Education Online; Vol 20 (Issue 2), 572-577, DOI: 10.17051/ilkonline.2021.02.63.\n12.	Salah, T., Shahzad, A., Sulehri, D. N., & Qaim, S. (2021). Poverty-To Measure or Not To Measure: Going Beyond Logical Positivism. Elementary Education Online, Vol 20 (Issue 5), 2338-2343, DOI: 10.17051/ilkonline.2021.05.254.\n13.	Salahuddin, T., Shaheen, Shahzad, A., & Qaim, S. (2021). Understanding pathways from socioeconomic indicators to the effect of COVID-19 Lockdown via Structural Equation Modeling (SEM). International Journal of Disaster Recovery and Business Continuity Vol.12, No. 1, 293–309.\n14.	Demutualization of Stock Exchanges in Pakistan: Challenges and Benefit Co-Authors: Dr.Babar Zaheer, Dr. Kashif Ur Rehman African Journal of Business Management.\n15.	Impact Of Leverage Or Debt Management On Stock Returns: Empirical Evidence From Fuel &Energy & Textile Sector Of Pakistan Academic Research International (ARInt.)\nAuthor(s):  Zaib Maroof, Hina Affandi, Sarah Ahmed, Bilal Ahmad Employees empowerment, organizational commitment & mediatory role of perceived organizational support: empirical evidence from banking sector of Pakistan\nFoundation University Journal of Business & Economics, ISSN: 2414-4770 Volume 2 No. 1.\nKhalid Mehmood, Zaib Maroof, Hina Affandi, Sarah Qaim\n16.	Bailout and Firm Performance: An Evidence from Industrial Sectors of Pakistan, International Journal of Economics, Finance Research & Application Vol.3, Issue 1,2019\nAuthor: Sarah Ahmed
books=None
bookchap=None
conferences=1. Presented Research Paper at ESTCON 2024, Malaysia, on 10th September 2024. \n2. Bailout and Firm Performance: Evidence from Industrial Sectors of Pakistan, ICBEM, IBA Sukkur. 2019
projects=1.	Green Energy Options and Challenges for the Financial Sustainability of IESCO, 2025, (In Process)\n2.	Would CSR act as a double-edged sword in a Pandemic (COVID-19), Aug 2020\n3.	Development of scale for CSR, 2022
ugcourses=Business Finance\nManagement Accounting\nCost and Managerial Accounting\nFinancial Management\nInternational Business Analysis\nPrinciples of Accounting\nIntroduction to Finance
pgcourses=Finance for Managers\nBusiness Finance
fuiservices=Curriculum Development and Upgradation — contributing to the design, revision, and coding of academic programs\nQuality Assurance Coordination — working closely with QA for academic compliance and improvement\nThesis Supervision — supervising postgraduate research projects and dissertations\nCourse Management — managing course folders, outlines, and academic documentation\nFaculty Coordination — liaising with instructors for course delivery and academic consistency\nAcademic Administration — supporting departmental planning, reporting, and academic operations
otherservices=Professional Training & Capacity Building — delivering training sessions for public and corporate sector organizations\nIndustry Engagement — contributing to faculty attachment programs with organizations such as State Bank of Pakistan and IESCO\nConference Participation — presenting research at international forums including ESTCON 2024\nResearch Supervision & Mentorship — guiding students and junior researchers in academic and applied research\nCurriculum Advisory — supporting academic program development aligned with industry needs\nAcademic Training Workshops — conducting sessions on financial analysis, conflict management, and HR analytics\nResearch & Publication Support — contributing to academic writing, publishing, and peer collaboration
orcid=https://orcid.org/my-orcid?orcid=0000-0003-1992-2630
googlesch=https://scholar.google.com/citations?user=YoaGRTcAAAAJ&hl=en
filename=Sara Qaim.html
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<div class="sidebar">
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      <img src=" https://fusst.fui.edu.pk/fusst2/images/be-related-photos/Sarah%20Qaim%20copy.jpg" alt="profile picture">
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    <h3>Contact</h3>
    <p><b>Email:</b> <a href="mailto:sarah.qaim@fui.edu.pk">sarah.qaim@fui.edu.pk</a></p>
    <p><b>Office Location:</b> FUSST, New Lalazar, Rawalpindi</p>
    <h3>Education</h3>
    <p><ul><li>PhD, Foundation University Islamabad</li></ul></p>
    <h3>Area of Expertise</h3>
    <p><ul><li>Financial Sustainability — examining long-term financial performance and resilience of firms and institutions</li><li>Corporate Governance — analyzing the impact of policies, ownership structures, and governance mechanisms</li><li>FinTech &amp; Financial Inclusion — exploring digital financial adoption and its role in expanding access to finance</li></ul></p>
    <h3>Research Profiles</h3>
    <p><b><a href="https://orcid.org/my-orcid?orcid=0000-0003-1992-2630" target="_blank" rel="noopener noreferrer"><img src="https://orcid.org/assets/icons/favicon.ico" height="15px" width="15px"> ORCID</a></b></p>
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        <h2>Dr. Sarah Qaim</h2>
        <p><b>Associate Professor</b></p>
        <p>Faculty of Management Sciences</p>
        <p><b><strong>Foundation University Islamabad</strong></b></p>
      </div>
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    <div class="tabs">
      <button class="tab active" data-tab="about">Introduction</button>
      <button class="tab" data-tab="qual">Education</button>
      <button class="tab" data-tab="research">Research Interests</button>
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    <div id="about" class="tab-content active">
      <p>Dr. Sarah Qaim is an Associate Professor at Foundation University Islamabad, with extensive experience in academia, research, and industry. She holds a PhD in Management Sciences (Finance) and is a Gold Medalist in MBA from Bahria University. She is a certified trainer from the NUST Professional Development Center and an HEC-approved research supervisor.<br />
With over a decade of teaching experience, Dr. Qaim has taught courses in Business Finance, Management Accounting, and Financial Management at undergraduate and graduate levels. She has actively contributed to curriculum development, outcome-based education, and academic quality assurance.<br />
Her professional background includes industry experience with Telenor Pakistan and Attock Refinery Limited, where she worked on ERP systems and financial operations, strengthening her practical insights.<br />
Dr. Qaim is an active researcher with publications in internationally recognized journals such as SAGE Open. Her research focuses on financial sustainability, corporate governance, and emerging financial systems in developing economies.<br />
She is also an experienced trainer, having conducted professional development sessions for institutions like PIM and FBR, and regularly presents her work at international conferences, contributing to academic and professional excellence.</p>
    </div>
    <div id="qual" class="tab-content">
      <p><ul><li>PhD, Foundation University Islamabad</li><li>MS, Iqra University, Islamabad</li><li>MBA, Bahria University</li><li>BBA(Hons), Bahria University</li></ul></p>
    </div>
    <div id="research" class="tab-content">
      <p><ul><li>Financial Sustainability — examining long-term financial performance and resilience of firms and institutions</li><li>Corporate Governance — analyzing the impact of policies, ownership structures, and governance mechanisms</li><li>FinTech &amp; Financial Inclusion — exploring digital financial adoption and its role in expanding access to finance</li><li>Earnings Management — investigating its implications for transparency and financial decision-making</li><li>Corporate Social Responsibility (CSR) — studying its dual impact on firm performance, especially in crisis contexts</li><li>Financial Markets — focusing on stock market behavior, volatility, and emerging market dynamics</li><li>Development Economics — understanding financial systems and policy interventions in emerging economies</li><li>Data Analytics in Finance — applying quantitative techniques for financial modeling and decision-making</li></ul></p>
    </div>

    <!-- Publications tab -->
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          <button class="vtab" data-vtab="projects">Projects</button>
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        <div class="vtab-content active" id="patents">
          <p><ol><li>None</li></ol></p>
        </div>
        <div class="vtab-content" id="journals">
          <p><ol><li>1.	Qaim S, Ellahi N, (2024) Implications of Policies and Governance on Financial Sustainability In The Light Of Earnings Management: An Evidence from an Emerging Economy. Sage Open.  https://doi.org/10.1177/21582440241290348 Impact factor: 2.032</li><li>2.	Tariq, W., Qaim, S., Jawad, K., Hayat, R., &amp; Hussain, S. (2024). Impact of COVID-19 Pandemic and Vaccinations on Pakistan Stock Exchange. Journal of Regional Studies Review, 3(1), 1-7. https://doi.org/10.62843/jrsr/2024.31013</li><li>3.	Fayyaz H, Qaim S, &amp; Malik I (2024) Punjab Cash &amp; Carry: A Success Story of a Common Man. International Journal of Social Science Archives.</li><li>4.	Ahmed S, Ellahi N, Waheed A &amp; Aman N (2022) Policy Intervention and Financial</li><li>Sustainability in an Emerging Economy: A Structural Vector Auto Regression Analysis.</li><li>Frontiers in Psychology.  https://doi.org/10.3389/fpsyg.2022.924545.  Impact factor: 4.232</li><li>5.	Naeem. M, Qaim Sarah, Sohail Asiya (2022) Would Corporate Social Responsibility Act as a Double-edged Sword in a Pandemic (Covid-19)? Research Journal of Social Sciences &amp; Economics Review. DOI: https://doi.org/10.36902/rjsser-vol2-iss2-2022 (35-39).</li><li>6.	Ahmed, S., &amp; Tirmizi, S. M. (2020). Financial Sustainability and Financial Performance: The Moderating Role of Type of Ownership in Pakistan. Journal of Accounting and Finance in Emerging Economies 6(4), 1181-1187, https://doi.org/10.26710/jafee.v6i4.1478</li><li>7.	Ahmed, S. &amp; Tirmizi, S. A (2021). Conceptual Framework of Financial Sustainability based on Government Policies Interventions: A Modelling Approach. International Journal of Innovation, 15(8), 16.</li><li>8.	Ellahi, N., Kiani, A. K., Awais, M., Affandi, H., Saghir, R., &amp; Qaim, S. (2021). Investigating the Institutional Determinants of Financial Development: Empirical Evidence from SAARC Countries. SAGE Open 11(2), DOI: 10.1177/21582440211006029. Impact Factor: 0.75</li><li>9.	Kashif, S., Ali, M., Salahudin, T., Qaim, S., &amp; Imtiaz, A. (2021). Impact of Trust, Individualism and Job Characteristics on Team Work in Telecom Sector of Pakistan. International Journal of Advanced Research in Engineering and Technology, DOI: 10.34218/IJARET.12.3.2021.0044.</li><li>10.	Maroof, Z., Qaim, S., &amp; Hadi, N. u. (2021). Knowledge, Attitude, and Practice towards COVID-19 among Pakistan University Students. International Journal of Innovation, Creativity, and Change, Volume 15, Issue 6, 433-445.</li><li>11.	Qaim, S., Zulifiqar, B., Shahzad, A., &amp; Salahuddin, T. (2021). Financial Sustainability and Firm Performance Impact on Stock Prices: An Evidence from an Emerging Economy. Elementary Education Online; Vol 20 (Issue 2), 572-577, DOI: 10.17051/ilkonline.2021.02.63.</li><li>12.	Salah, T., Shahzad, A., Sulehri, D. N., &amp; Qaim, S. (2021). Poverty-To Measure or Not To Measure: Going Beyond Logical Positivism. Elementary Education Online, Vol 20 (Issue 5), 2338-2343, DOI: 10.17051/ilkonline.2021.05.254.</li><li>13.	Salahuddin, T., Shaheen, Shahzad, A., &amp; Qaim, S. (2021). Understanding pathways from socioeconomic indicators to the effect of COVID-19 Lockdown via Structural Equation Modeling (SEM). International Journal of Disaster Recovery and Business Continuity Vol.12, No. 1, 293–309.</li><li>14.	Demutualization of Stock Exchanges in Pakistan: Challenges and Benefit Co-Authors: Dr.Babar Zaheer, Dr. Kashif Ur Rehman African Journal of Business Management.</li><li>15.	Impact Of Leverage Or Debt Management On Stock Returns: Empirical Evidence From Fuel &amp;Energy &amp; Textile Sector Of Pakistan Academic Research International (ARInt.)</li><li>Author(s):  Zaib Maroof, Hina Affandi, Sarah Ahmed, Bilal Ahmad Employees empowerment, organizational commitment &amp; mediatory role of perceived organizational support: empirical evidence from banking sector of Pakistan</li><li>Foundation University Journal of Business &amp; Economics, ISSN: 2414-4770 Volume 2 No. 1.</li><li>Khalid Mehmood, Zaib Maroof, Hina Affandi, Sarah Qaim</li><li>16.	Bailout and Firm Performance: An Evidence from Industrial Sectors of Pakistan, International Journal of Economics, Finance Research &amp; Application Vol.3, Issue 1,2019</li><li>Author: Sarah Ahmed</li></ol></p>
        </div>
        <div class="vtab-content" id="books">
          <p><ol><li>None</li></ol></p>
        </div>
        <div class="vtab-content" id="bookchap">
          <p><ol><li>None</li></ol></p>
        </div>
        <div class="vtab-content" id="conferences">
          <p><ol><li>1. Presented Research Paper at ESTCON 2024, Malaysia, on 10th September 2024.</li><li>2. Bailout and Firm Performance: Evidence from Industrial Sectors of Pakistan, ICBEM, IBA Sukkur. 2019</li></ol></p>
        </div>
        <div class="vtab-content" id="projects">
          <p>1.	Green Energy Options and Challenges for the Financial Sustainability of IESCO, 2025, (In Process)<br />
2.	Would CSR act as a double-edged sword in a Pandemic (COVID-19), Aug 2020<br />
3.	Development of scale for CSR, 2022</p>
        </div>
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