Zainab Iqbal

Academic

Verbatim text

Zainab Iqbal
+923325315912, zainabiqbal37@gmail.com
Sector-A, Askari 14, Rawalpindi.
Education
Bachelor of Science (Accounting and Finance)
Major:
Accounting and Finance.
Fauji Foundation College, Rawalpindi.
Intermediate
Fauji Foundation College, Rawalpindi.
Matric
Projects
Final Project:  Developing Micro Mutual Funds Setting Through Micro Investors In Markets.
To merge advanced portfolio management techniques and innovative IT solutions together and to come up with an
effective investment platform by providing provide investment opportunities to the lower segment of society.
Semester Projects
Financial Ratios Analysis – Dawood Lawrencepur Limited
To identify the company’s profitability and liquidity position.
Research study – Impact of FinTech on Corporate Finance.
To identify the role of financial technologies in decision making and while taking any investment decisions.
To identify the reasons for its ups and downs.
ANOVA, Regression and Correlation Analysis
To identify relationship and effects between dependent and independent variable.
Strategies Making and recommendations - EDSA
To identify company’s strengths, weaknesses, threats and opportunities through matrixes, financial analysis and
strategic planning.
Report writing - A. F. FERGUSON & CO, Auditing and taxation system
Work Experience
Intern in Tariff and Finance Department at National Electric Power Regulatory Authority
(NEPRA), Islamabad.
To assist in the tariff and Finance operations under the supervision of Director Finance and
Assistant Director Tariff.
Jun 2019 - Aug 2019
Skills & Tools
Professional Skills
Team work, time management, self-motivation, communication skills.
Technical Skills
MS Office, MS Word, MS PowerPoint, MS Excel, MS Visio, MS Access, E-Views, SPSS, Peachtree.
Achievements
Creative Secretary Takhleeq – FAST Society of Arts and Dramatic. (2018-2019)
Head of art exhibition and calligraphy competition in NaSCOn’17.
Head of Math Magician Jazba’16.
Trainings / Certification
Attended a training on “Fixed income trading and investments” held by IFMP in collaboration with USAID at FAST.
Attended one-day seminar on “selecting a security”
Attended a workshop on “Financial Statement Analysis”
Activities
Worked as team lead in Financial Management projects.
Develop and handle marketing campaigns and budgets for a variety of events for an event management company.
Interests
Playing strategical/mind games, Reading motivational books, Event Management.
Class of BS ( A&F )
Final Year
Projects
Behavior Behind it
Producer and consumer behavior. Previous studies have been conducted to understand the
behavioral perspective of consumers whilst shopping online, but there exists a gap when it comes
to the viability of modern E payment methods in third world countries where the most preferred
method of payment remains cash on delivery. Our study aims to bridge this gap by examining the
issues and challenges faced by producers who engage in E-commerce. The reason cash on delivery
remains so popular in this day and age is because: Lack of access to credit and debit cards, Lack of
trust and fear of being scammed by online sellers, Psychological/ Religious reasons for not using
plastic money. Our research will highlight the few payment methods that are frequently adopted by
both consumers and suppliers. This study will enhance the knowledge of the retailers as it will
provide information about the behavioral aspects of consumers. Producers can use this knowledge
to their benefit by developing their strategy, evaluating it and studying the consumer’s approach.
commerce be globally competitive. The results of this study will help producers evaluate the quality
of services offered by them and help in the advancement of their management.  Based on our
research, we will be able to analyze the importance of every factor that directs consumer intention
to select any payment method. We will also conduct interviews with some of the leading e-retailers
and e-commerce firms in order to get to know their reasoning behind the payment systems they
offer.
Area of Study:
Finance
Supervisor Name:
Ms. Falak Khan
Group Members:
Momin Ali (i16-0244)
Nouman Butt (i16-1618)
Saad Ateeq (i16-1577)
Animal Care: A Feasibility Study
The team plans to simulate the operations of an animal clinic and daycare unit which will be
providing premium services to pet-owners according to their needs through a single touch on their
smart gadget. Starting off with free information regarding the pets and their suitable conditions will
be the USP to attract customers. Secondly, we will be providing a nursery to take care of the pets
during officer-hours for single-working pet-owners. There has been a huge gap and potential in the
industry for a one-stop services outlet for pets, and the promising margins make this plan worth
simulating.
The clinical services will be a point of parity with other service-providers as it is a market necessity
for any animal welfare organization; however, supply of pet food, medication, pet products and
catering to this need with centralized procurement and localized distribution. Most of the cash is
expected to inflow from the merchandising and retail of food and other perishable animal-care
items, as the business hopes to capture most of the scattered market, incurring repeat purchases.
In order to operationalize this business model and have a technological edge (considering the target
market is likely to be tech-savvy), majority of the user-business interaction will be through a mobile
application and a website to make the process, data collection, and feedback efficient. The
application will have a user-friendly interface and some pet-friendly games/training features to
assist the owner and engage the pet. This app will be user-specific and highly customizable after
installation to make sure that the services provided fully cater to the needs of the owner.
Area of Study:
Finance
Supervisor Name:
Mr. Rehan Aftab
Group Members:
Muhammad Tayyab Ali (i15-0913)
Ahmed Tanveer (i15-0962)
Mishaal Amir Awan (i14-0963)
Corporate Governance & Accounting Conservatism: Evidence from the
This study is based upon the relationship between Corporate Governance and Accounting
discussed the impact of this relationship with respect to the developing Asian economy and with
Corporate Governance on Accounting Conservatism. Under the umbrella of this, we have to
examine the role of Board Independence, Board Size, Board Activity, CEO Duality, Audit Committee
and Corporate Governance on Accounting Conservatism.
Area of Study:
Finance
Supervisor Name:
Mr. Muhammad Bilal Saeed
Group Members:
Syed Mohid Saleem (i16-1560)
Warda Irfan  (i16-1594)
Sheikh Ali Javed (i16-1597)
Minahil Nadeem (i15-0885)
Debt Financing and Earnings Management Examining the moderating
role of Audit Quality: Evidence from South Asian Countries
Our study empirically investigates the association between Debt Financing and Earnings
testing the relationship of audit quality as moderator is also to be examined. This investigation is in
line with the pecking order theory, agency theory, as well as tradeoff theory perspective. For this
purpose, the data from non-financial 100 listed top market capitalization firms from 2009 to 2018 is
considered by employing Panel regression model. Moreover, it is beneficial for the investors,
managers, manufacturing sector, academia as well as the audit firms and will bridge the academic
gap that discusses the Debt Financing and Earnings Management across the globe and in emerging
economies. This study will help organizations by improving firm value and improving the agency
issue in organization. This study will also focus on the interest of audit firms and manufacturing
sector as it helps to improve the firm performance in stock market through earning management,
monetary and prospects. This study will be applied under different sectors in such a way that the
audit firms are more inclined in identifying earning management and curtailing it through better
audit quality.
Area of Study:
Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Osama Zulaqarnain (i15-0921)
KhawarAyub (i16-1504)
Inam Ul Haq (i16-1509)
Zeeshan Zahid (i16-1521)
Exploring the Business and Behavioral Effects of Ban on Plastic Bags
Plastic bags were an everyday use item until the environmentalist pointed out the hazardous
effects that they had on marine and human life, not to mention the long lasting effects on the
2019. In this study, we will focus on the business and behavioral effects of the ban on plastic bags
have made in the lives of the people living in the capital whether they are consumers or retailers.
Due to the dearth of literature regarding the ban on plastic bags as the idea has just sprouted, we
feel the need to investigate the variables identified in the previous literature and check whether
gathered from the retailers and consumers of Islamabad.
Area of Study:
Finance
Supervisor Name:
Dr.Muhammad Ayub Siddiqui
Group Members:
Hamza Bin Khawar (i16-1571)
Umaira Fazal (i16-1570)
Shaharyar Asif (i16-1626)
Behavioral finance, the basic estimate of the perceptually created variables, is enumerating,
creating and identifying the portion of those estimates which lie outside the field of finance, when
it comes to decision-making or even evaluation with respect to finance. It basically incorporates
finance with individual psychology to make decisions, evaluations, assumptions foreseeable and
expected in the world of finance. This ideology is driven through perceptual framework which
alters or even strengthens, specific decision making. These decisions range from the
overconfidence bias in, what could be driving in emotional set of mind, to decisions of selling off an
individual’s assets, such decisions that contain a significant basis of perception driven from the root
of behavioral finance. Perception, plays its part in every decision-making process, related or not
related to finance, it is vital to point out the pre-set of mind before any assumptions or decision-
making, widespread to financial decisions, non-financial emotional decisions, basic mode of
payment decisions. Credit card is one of the most widely used mode of payments in the world of
consumers, and significantly one of the most important as well, apart from debit cards, cash and
of behavioral finance, establishes the framework regarding the prevailing notion of giving material
possession in the field of finance an utmost importance, and thus the use of credit cards hikes the
ability of compulsive buying with the credit facilities offered. Factors like this in the field of
behavioral finance such as compulsive buying or even the fear of debt build the psychological
Area of Study:
Finance
Supervisor Name:
Ms. Falak Khan
Ms. Amna Farooqui
Group Members:
Bilal Khalid (i16-0820)
Huzaifa Qazi (i16-0727)
Malik Mansoob Ali (i16-1530)
Saad Dilber Ali (i16-1513)
Feasibility Report of Incubation Center and Hostel
Our study has one clear vision in mind: to use different ways for the betterment of the student’s
community by providing them with an atmosphere that encourages diversity, excellence and
continued growth which would help the students in shaping and building their ideas into solutions.
These will not only benefit the students but the teacher’s as well as their mentorship for the
students will be recognized by HEC.  The first stage of our project is to develop an incubation centre
and hostel within FAST University.
An incubation center will help the students of FAST University in employment opportunities during
study and upon graduation by providing a stable and innovative environment. More over this will
also help the faculty to obtain patents for their work for which HEC has placed high recognition.
Furthermore, by providing accommodation within FAST, it would attract numerous talented
the advancement it truly needs.
Area of Study:
Accounting and Finance
Supervisor Name:
Ms. Falak Khan
Group Members:
Ahmed Aziz(i15-0995)
Saad Malik(i15-0991)
Atta Ul Mustafa(i15-0933)
Shahyan Aftab (i16-1518)
Feasibility Study on a Business Idea – Record Haven
Record haven visualizes itself to be the best firm of choice for delivering top class and affordable
ERP software solutions to SME’s helping them to operate efficiently and contribute to the economic
working. Furthermore, we aim to help managers in making effective and timely decisions through
the use of real time information and progress reports. We also aim to reduce information
dependency between departments to ensure there are no unnecessary project delays.
We aim to provide such a software that is configurable, flexible, customizable and affordable.
Record haven software would contain modules of HR, Finance, Procurement and Project
Engineering initial.  This software would be able to adjust within a company’s existing system in
case they want to purchase a particular module. The studies conducted are focused mainly on the
impact of ERP on the processes of construction firms and the challenges faced during
implementation. No other study discusses its financial significance and how the implementation of
this system can impact the financial strength/position of firms.
Area of Study:
Finance
Supervisor Name:
Ms. Falak Khan
Group Members:
M. Hamza Siddiqui (i16-1531)
Manal Waqar (i16-1508)
Abdullah Khan Agha (i16-1563)
Hira Falak (i16-1547)
Impact of Corporate Social Responsibility (CSR) on Income Smoothing
and Earning Quality Prospects: Evidence from South Asian Countries
We will empirically study the impact of CSR on income smoothing and earning manipulation basing
relationship of CSR on income smoothing and earn quality prospects keeping firm size our
moderating variable. The theories that go in line with our study include stakeholder, shareholder
and agency theory. For the purpose of our study, we have taken data from around 100 textile
industries from the year 2010 to 2015. Our study will help management understand the importance
of indulging in socially responsible activities to see how risk can be minimized through CSR
incorporation. It will also benefit CSR monitoring firms as they can check the impact of CSR on
financial statements and see whether there is a significant impact or not. Our research will be
helpful for policy makers who will decide on whether smoothed income is ethically right or not.
Investors will also benefit as they can direct their investments towards firms that have ethical
concerns for the society.
Area of Study:
Finance
Supervisor Name:
Mr. Adnan Shoaib
Group Members:
Mah Rukh Anwar  (i16-1579)
Momina Abid (i16-1622)
Impact of Earnings Manipulation on Capital Structure and Firms
Illiquidity: Evidence from South Asian Countries
We empirically study the impact of earning manipulation on capital structure performance and firm
illiquidity. It is going to be a causal study and secondary data will be used in conducting this
research. Besides that, data used will be panel data as it will include both cross sectional and
longitudinal data. As for our sample, we have selected top 50 companies of both KSE 100 of
The data span is of 10 years which is from the year 2008-2018. We are checking the impact of
earning manipulation on capital structure performance and firm illiquidity through panel data
model, which is every important. Leverage, illiquidity, size, growth, capital intensity will be
independent variables while firm performance will be independent variable. We will be
incorporating Earning Manipulation as mediating variable. This study holds great significance for
investors, firms and academia. If a company is caught in the act of earnings manipulation, the
company’s image is negatively affected publicly. The companies should abstain from doing the
unethical act of earnings manipulation, so that they may be able to maintain positive image in the
society.
Area of Study:
Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Omer Khan (i16-1566)
Faiq Fawad (i16-1550)
Amar Nadeem (i16-1578)
Abdullah Adrees (i16-1572)
Investigating the financial need and growth requirements of Small and
This study is about investigating the financial needs and growth requirements of small and medium
based data set. The research is on an undergraduate level; this study plans to use the enterprise
survey data provided by the World Bank along with statistical methods to bring out some really
appropriate policy recommendations for the SMEs in terms of their financial needs and growth.
Furthermore, this study also explores the different sources of funding SMEs business, their primary
business funding needs, types of fixed assets that need to be financed, types of working capital
finance etc. Additionally, this study plans to conduct this research on the data used for the previous
survey but by using better statistical tools and econometric methods in order to extract efficient
results such as parametric and non-parametric tests. The major factors which effect the growth of
SMEs are corruption, crime, trade, innovation, tax, finance, and infrastructure.
Area of Study:
Finance
Supervisor Name:
Dr. Ayub Siddiqui
Group Members:
TayyabaMazharAbbasi (i16-1529)
Rabia Noor (i16-1501)
MahamJaved (i16-1613)
Ahmed Kamal (i16-1591)
Perception, Personality Type, Islamic Financial Literacy and Adoption of
Our study empirically investigates whether perception, Islamic financial literacy and personality
type play any role in the adoption of Islamic banking system. A few factors have been identified in
literature, however there exist other factors that may affect the adoption of Islamic banking
services and these factors need to be examined. Over the last three decades, Islamic banking
Factors like personality and Islamic Financial Literacy can play a significant role in adoption of
banking services. Many researchers have found that personality type influences the choices one can
make in his/her daily life and this can affect the adoption of banking services. The awareness of
Islamic Financial Literacy and personality type can shape the perception of the person that affects
the financial decisions. Perception, it is highly important to point out the pre-set of mind before any
assumption or decision making as it plays its part in every decision making process, related or not
related to finance. This investigation is based on the theory of planned behaviour and person
situation interaction theory. The study tests the impact of Islamic Financial literacy as a mediator
and personality type as a moderator in the adoption of Islamic banking. The empirical analysis for
the study is based on primary data by using a survey questionnaire. Moreover, convenience
sampling is done to choose a sample as per ease of access.
Area of Study:
Finance
Supervisor Name:
Ms. AmnaFarooquiArsalan
Ms. Falak Khan
Group Members:
Faizan Shahid (i16-1506)
Roohul Amin (i16-1627)
RohailRamzan (i16-1536)
Microfinance is considered as an effective tool for fighting poverty, financial services are provided
to the people who are below the poverty line and are neglected by other financial institutions.
These people require financial services to invest in small businesses, education of children, health
facilities and for improvements in living standards. Proper commercial banks are usually less
beneficial for these households and they have inappropriate business models for a microfinance
level business. Financial services include credit and savings that are provided by the microfinance
poverty alleviation. A number of various institutions from private to government sector are
We will be using simple correlation analysis, the logit model, descriptive analysis, non-parametric
statistics, and multinomial model. Our methodologies for conducting the research include the
Mixed methods research that involves the collection, integration and analyzing of both qualitative
sectional data for our study. Survey analysis will be conducted as well.
The outcomes of this research will be beneficial for foreign funding, policy makers, stakeholders,
borrowers, and social welfare workers.
Area of Study:
Finance
Supervisor Name:
Dr. Muhammad Ayub Siddiqui
Group Members:
Hajra Khan (i16-1575)
Muhammad Bilal (i16-1549)
Momena Khizer (i16-1546)
Muhammad Hashim Khan (i16-1621)
that possess purchases, finances or rents real estate projects. REITs are an opportunity of regular
income streams for investors, and it diversifies the portfolio of the investor. It will provide investors
a chance to make investments in real estate. Our research is based on the synthesis of existing
research which is secondary in nature. Also, conducting an in depth analysis that includes demand
analysis, strategic analysis, legal analysis, location analysis, financial analysis, and marketing
analysis. In financial analysis we shall be assessing the economic viability of a proposed venture by
evaluating the startup costs, operating expenses, cash flow and making a forecast of future
Moreover our objective is to incorporate our findings, and working into a business model that is
transparent and expertly managed real estate portfolio that will be held in a tax transparent
structure. Providing a regular stream of cash for investors and giving an opportunity for small
investors to invest, and lastly the aim is to build large properties which are unable to be developed
because of lack of funding.
Area of Study:
Finance
Supervisor Name:
Mr. Attiq Shah
Ms. Falak Khan
Group Members:
Taimoor Khan (i16-0773)
Shahroz Khan (i16-1631)
ShabnamYusofi (i16-1612)
Hassan Khalid (i16-1611)
The Impact of Market Transparency and Investor's Attention on the Long
Exchange.
This research paper documents how these two renowned phenomena’s of market transparency
by playing a moderating role. Market transparency is an extremely crucial phenomenon that has
surfaced due to information asymmetry. Investor's attention also plays a significant role as lack of
attention of investors may lead to IPO underpricing. Thus the long term performance of IPOs and
how it is influenced by these factors is imperative.
Area of Study:
Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Muhammad Aarij Laeeq (i16-0904)
Ayesha Murad  (i16-0976)
Mahrukh Jameel (i16-1512)
High Achievers
Class of BS ( A&F )
Ayesha Murad  (i16-1528)
It is a great pleasure to be in the high achiever’s of FAST NUCES; that has given us a platform to
achieve what we have while consistently fostering an environment of growth and innovation.  All
your creativity begins within you and how you’re taught. Our teachers and supervisor have played
an extremely crucial and imperative role in shaping us for the best. This, along with the quality of
education the university provides us, is remarkable.
All the accomplishments throughout my journey are not just an individual effort, but rather a joint
effort of the entire faculty amalgamated with mine. I hope to attain more in future by the grace of
Almighty Allah.
Bilal Khalid Jadoon (i16-0820)
I start with the famous quote of Clara Hughes, “if you dream and allow yourself to dream you can
do anything.”
of this prestigious university I have to work extremely hard, because the faculty grilled you so much
for practical life. No matter which field you want to join after graduation you are able to cope every
hardship that you already learned to cope from your teachers.
To succeed either in academics or any other platform one must be willing to get out of their blanket
and put in honest effort and work and think smartly. Doing things smartly, one must have
confidence in his abilities, that is the road to win the race in the end. Moreover, never let yourself
down when you fail instead congratulate yourself when you fail because you're learning.
The things which helped me to win is constant faith in Allah’s Almighty, parents prayers, and
teachers respect. Fast provides a medium of thinking and working beyond your boundaries.
Moreover, different labs with practical courses helped me a lot to practically get my grip on
software programs that are related to my degree. Furthermore, Fast provides to make a strong
networking in the market that would help me in my professional life.
Finally, summing up my four-year journey in FAST, I enjoyed a lot along with constant learning
practically and theoretically through different semester projects and later this learning helped me
to survive in the market. My Final Year Project is on Factors Affecting the Use of Credit Cards in
well as financially and also how compulsive buying can lead to disrupting the financial health debt.
Faizan Shahid (i16-1506)
"Sleep is for the weak." That is what I have learnt throughout my 4 years at FAST.
Without anyone to guide me, I ended up in FAST unexpectedly with only one goal in mind: to score
a GPA of 3+ each semester. No one prepared me for the struggle that these four years were going
to put me through. From pulling an all nighter before the exam to getting tensed about giving
presentations in classes almost every other day. My life changed drastically. But apart from all the
struggles and efforts, FAST helped me in building my confidence and gave me exposure. I met
seniors, juniors, and teachers who taught me something new everyday which was something I
always looked forward to.
The effort put in by my teachers, parents and myself, along with the sleepless nights and support
from my close friends allowed me to not only achieve my dream of scoring a 3+ GPA each semester,
but also allowed me to earn a gold medal.
FAST might seem like a university full of struggles and difficulties but it’s more than that. It gives
you opportunities to prove yourself and work for yourself as I did by becoming a TA. It also gives
you opportunities to lead, motivate and teach others. Different societies like Takhleeq, NUMS, FAS,
etc., allowed me to showcase my leadership skills through various events. In short, FAST teaches
and prepares you for the professional life after university.
To sum it up, I believe that you have to work hard to achieve something and I am, and always will
be, forever grateful for the people who pushed and motivated me to come this far.
Hamza Alam Siddiqui (i16-1531)
“The key to success is to focus on goals, not obstacles.”
I cannot possibly express how elated I am to be a part of the high achievers' list. As if that alone
wasn't enough, I'm sharing this moment of euphoria and achievement with my class fellows, for
which I'm immensely honored. I congratulate you all!
Truthfully, FAST University was not my first choice but looking back, I’ve realized that whatever
happened, happened for the best. Alhamdulillah, I am more than satisfied as to where I stand now
and the kind of person this university has shaped me to become.
I believe these 4 years have been the most memorable years of my life because of everything I’ve
learnt throughout my journey here. My experience and exposure has led to me to develop an
understanding in all aspects of life whether personal, professional, moral, and etc.
I am thankful and grateful to Allah, who has provided me with everything necessary to succeed and
surpass my own expectations. I have faith, and I am a strong believer that whenever you try to seek
help from Allah, He always answers, and that you should never give up, rather be patient and
consistent because He listens and He rewards.
Success isn’t achieved alone, it’s a combined effort. For me, first and foremost, my family and
friends have been my backbone and have supported me through thick and thin. I would always be
indebted to them for all the love they have given me and for the extreme lengths they went to, to
help ensure my position today.
I admit there were times when I felt like giving up and had lost hope. Nothing in this world is easy
and I’ve realized that it’s important to keep your head high and face your challenges with bravery
and courage. Once you learn to overcome obstacles and hurdles, you become unstoppable, and a
step closer to achieving your goals. It is imperative to remain focused, and challenge yourself to do
better, to be better, and to be positive. Don’t get demotivated, find your inner strength.
Of course, it’s not all about excelling in academics. If there’s anything I’ve learnt in these 4 years,
it’s that one should always maintain a balance and harmony between work and entertainment
which is why I actively participated in extracurricular as well. Having said that, I thank my family,
friends, and teachers all of whom played an equally important role in helping me become the
person I am today
Finally, my advice to you is to learn to prioritize your activities and spend your precious time
carefully. All the while participating in extracurricular activities, and making memories that you will
cherish forever.
Mah Rukh Anwar (i16-1579)
Being in the honor list is a cause of great pride for me. Being recognized and applauded among
other intellectual students put a purpose to all the hard work invested by me, my parents and my
teachers.
The last four years at FAST have been a source of growth for me. Not only has it humbled me as a
person, it has taught me about different aspects of life as well. It has taught me to become a self-
sufficient, confident woman who can stand up for what she believes in.
I worked as a Teacher’s Assistant in my fifth semester, this enabled me to polish my management
skills along with learning a lot from the teacher whose supervision I was under. My final year
project was based on The Impact of CSR on Income Smoothing and Earning Quality. Working in a
group along with my class fellows further polished my team skills.
Malik Mansoob Ali (i16-1530)
It has been a pleasure for me to be in the High Achievers of FAST. FAST has given me a lot of
opportunities to grow during my degree while consistently fostering a practice of life-long learning
and excellence. FAST is a great medium for anyone who’s looking for an environment for growth, as
it provides a lot of room for growth and innovation.
It has been a great journey for me and all of this wouldn’t have been possible without my parents,
teachers, and friends. They’ve played a very important role in this journey to bring out the best in
me, and this success is a result of their joint effort. I hope to achieve more in the future by the
grace of Allah.
Manal Waqar (i16-1508)
"The only limit to our realization of tomorrow will be our doubts of today."
Writing this note and being included in a list of so many distinguished fellow students is a moment
of extreme honour and pride for me
These 4 years at FAST NUCES have been rewarding for me both professionally and personally.
When I began straight out of school and was thrown into the difficult grind of university life, I could
have never imagined that I would one day be applauded as one of the High Achievers of my batch.
Hard work never goes unrewarded. This is the motto I have grown up listening to every day. What
hard work really meant, was something I have learnt the past few years at this university. Pushing
my limits, encouraging myself to face my fears head on and trying to absorb as much knowledge as
I could, all the while maintaining a healthy balance between studies and my personal life enabled
me to stand where I am today
We often hear people talk about burning the midnight oil and working excessively to make it to the
top. However, in my opinion, my success is based on finding a balance between wanting to achieve
my dreams and pausing to re-evaluate and re-align my goals. The world is changing faster than any
of us could ever imagine. Fields and methods that were once relevant 5 years ago are fast
becoming obsolete. Life is becoming more fast paced, competition has become more cut throat and
its not only survival of the fittest now but also survival of the smartest.
So to those reading this, my message to you is to always have dreams, ambitions and goals. Goals,
both short term and long term help pave a path forward. It is also very important to pause every
now and then and re-evaluate and re align short term goals and to make sure they still align with
your long term goals. This rebalancing act is what will enable you to achieve a good level of success,
however that’s not all. It is also very important to not forget having some fun while you are busy
building your empire.
Momin Ali (i16-0244)
Coming to FAST-NU was not my initial plan, though certain circumstances made me arrive here.
Though initially, I was discontent with myself for ending up here but after a year, when I had the
chance to move elsewhere and I decided to stay here, only meant that I have adapted to life here;
life referring to the beautiful friends I have made here, and football.
At FAST- NU, I have learnt many new things; dealing with all types of faculty has taught me about
the different types of people I will encounter in all walks of life.  The academics, with a slight
overdose of stress, has brought out our better and more competitive sides. In these years at FAST, I
have seen this institution grow into a better one than it previously was upon my arrival here.
Muhammad Roohul Amin (i16-1627)
FAST NUCES is an excellent medium for high quality education, and being a student for 4 years
there was my choice. To be successful in life, one must get out of their comfort zone and start
making things possible which may not be possible in the start, if we think we can achieve something
there is a fair chance we will. In addition to this, persistency and tapping into your inner motivation
is also a key element in achieving success. Those who carve out some time on these characteristics
can make a big impact in their life. My success is a collective of my teachers and my friends who
have consistently helped me throughout my journey.
Fast provides a medium for resourcefulness and novelty. My overall journey at Fast gave me so
many opportunities such as I’ve worked as a teacher assistant for two subjects Business
Mathematics-1 and Fundamentals of Management where I was liable to engage students and gauge
their learning through making puzzling assessments. I have worked as a Finance intern at Oil& Gas
Development Company where I gained knowledge of Oracle E-Business site and worked in billings,
where I was given a task of collection and billing department with hand on excel. I have also worked
as an intern at TAB ON TECH (PVT) Ltd where I was backed by E-Commerce Management. My
achievements or awards include: I was honored to be in Dean’s Honor List. I was awarded a Batch
Bronze Medal. Considering the co-curricular activities, I always participated in them. I have worked
as a Finance secretary in bunch of events conducted by a society called National University
Management Sciences, where I was responsible for managing and monitoring the cash inflows and
outflows. I was privileged to be the part of Fast Adventure Society where I was the Head Finance for
time period who was responsible for financial monitoring for all the events held by the society.
Summing up my four -years journey at FAST, I experienced a lot academically and practically side to
side through my semester projects and I was capable to relate academic knowledge not only to my
educational life but to my real life issues as well. My FYP was mainly to study the impact of
Perception, Personality Type, Islamic Financial Literacy and Adoption of Islamic Banking: Evidence
Muhammad Umar Tanweer (i16-1576)
Over the course of 4 years in university I have experienced a lot of ups and downs. In the end I have
learned that given right amount of time and effort to the work, end result will be best in your
interest thus, focus on the process matters most than the consequence itself. Moreover, there are
no such thing as failures or disappointments in life, the difficulties we face in life are the learning
opportunities for us.
I dedicate my success to my Allah, parents, teachers and my friends who have been there for me
through thick and thin in these years and made it possible for me to succeed. With dedicated
hardwork I developed perserverence and never quiting attitude, optimistic as well as rational
approach towards life. This attitude led me to internship in Star Hydro Power Ltd (powered by K-
water  Corporation) where, within 6 to 7 weeks of work, I experienced practical work ethics and
skills required in Finance department.
Hence, my four years journey at FAST had taught me alot theoreticaland practical knowledge
through semester projects aiding me to be able to apply it effectively in my life to resolvereal life
problems. My FYP is about relationship between financial leverage and Firm Value, which reflects
upon Automobiles industry of PSX.
Saad Dilber Ali (i16-1513)
throughout the 4-year program. With highly thought-provoking projects, courses, and assignments,
and norms, in order to get us ready for the corporate life ahead. I entered the university with an
only enhance my expertise in Accounting, and helped me narrow down the fields within
Accounting, but also helped me convert my weakness into strength, as I participated in real-life
marketing projects, which I used to think as my weakness.
Academically, with the help of highly distinguished teachers, I was able to excel academically, and
most importantly, I was able to learn courses, topics, Accounting standards, Finance-related
theories and topics, and management valuation, in vast depth through the advanced courses,
elected and taught by the well-informed faculty of FAST School of Management. We, as students of
Fast School of Management, thrive in the corporate world, due to the vast areas of knowledge
covered academically, and implemented practically through the extensive projects carried out.
practically, morally and professionally, and I couldn’t have asked for a much better and satisfying
experience of university, in terms of friends, teachers, memories, sense of belonging, knowledge,
and personality building.  Having the honor to undertake and work on my first paper as my FYP,
with one of the finest supervisors, I can easily summarize this journey to be remarkable.
PosiƟon Holder
Class of BS ( A&F )
Medal Holders of Bachelor of Science (Accounting & Finance)
Batch 2016
S.No
Roll-No
Name
Fall-16 Spring-17 Fall-17 Spring-18 Fall-18 Spring-19 Fall-19
1.
i16-1528 Ayesha Murad
Bronze
Silver
Silver
Bronze
2.
i16-0820 Bilal Khalid
Silver
3.
i16-1506 Faizan Shahid
Gold
Gold
Gold
Gold
Gold
Gold
Gold
4.
i16-1579 Mah Rukh Anwar
Silver
5.
i16-1530 Malik Mansoob Ali
Silver
6.
i16-1508 Manal Waqar
Bronze
7.
i16-0244 Momin Ali
Bronze
8.
i16-1531 Muhammad Hamza
Alam Siddiqui
Silver
Silver
Bronze
9.
i16-1576 Muhammad Umar
Tanweer
Bronze Bronze
10.
i16-1627 Rooh Ul Amin
Bronze
11.
i16-1513 Saad Dilber
Bronze
Silver
FAST School of
Management
Class of MBA

AI enrichment