Zulaikha Almass

Academic

Verbatim text

Zulaikha Almass
+92334441363, zulaikhaalmass@gmail.com
Sector G-11/1, Islamabad.
LinkedIn: https://www.linkedin.com/in/zulaikha-almass-b0923a14b/
Education
Bachelor of Science (Accounting and Finance)
Major:
Accounting and Finance
OPF Girls College, F-8/2, Islamabad
Intermediate (ICS)
OPF Girls College, F-8/2, Islamabad
Matriculation (Science)
Projects
Final Project: Impact of brokers networking on stock market through symmetric and A-symmetric information
diffusion patterns.To evaluate the impact of brokers networking and the information they diffuse i.e. symmetric and
A- symmetric on the stock market.
Semester Projects
Fertilizer Industry- Financial Statement Analysis
Horizontal and Vertical Analysis, Liquidity, Equity and turn over ratios calculation
Portfolio creation and its management- Investment Analytics Project
Pharmaceutical Industry- Business Strategy Project
To have an insight of the given industry strategically and in collaboration with Islamabad Chamber of Commerce
Out loud 2016: Ran an entire marketing campaign promoting Sindh and its culture.
Work Experience
Jul 2019 - Aug 2019
Finance Intern at Sharjah International Airport
Jul 2018 - Aug 2018
Voluntary work at Humanity –Ramadan Rashan Drive’ 2020 and 2021
May 2021
Skills & Tools
Professional Skills:
Sound in people skills, good team spirit, able to work and collaborate well with colleagues,
proficient in managing & organizing skills.
Technical Skills:
MS-Office, MS- Word, MS-PowerPoint, MS-Excel, Ms Access, Peachtree, SPSS, E-Views
Achievements
Head Ambassadors of NaSCon’19- Also awarded as the Best External Department of the event
Certificate of Merit - Intermediate
Trainings / Certification
Certificate of Participation- in an event called “ Accounting and Finance Guru”- NaSCon’17 and NaSCon’18
Semi finalist participant in “ Great Debate Competition 2017”
The fundamental of Digital Marketing course by Google Digital Garage
Freelancing work in courses including Finance, Accounting, Marketing management
Activities
Hosted the Convocation Event of Fast University 13 Batch in 2017
Worked as Registration Head for a startup business called “Talent Scout”
Worked in an event “NaSCon” as a Head of Ambassadors team.
Worked as an Front Desk Officer in FUDC’18- Fast University Debating Championship
Worked as PR and Media Secretary in FUDC’19
Interests
Travelling, music, movies, reading, management of events, hosting
Class of BS ( A&F )
Final Year
Projects
We live in an era where globalization is at its peak. The human mind strives to make their lives
more enjoyable yet easier. This feasibility study hopes to ease a certain burden from the general
population that every household small to medium sized experiences. The introduction of
the cost of buying and setting up individual washing machines will reduce significantly. The
system into the economy with respect to all parties involved (including investors and users).More
over as we are entering the 21st century there is a numerous change in the life style of the people
in most of the house holds the number of working parents is growing day by day, people are busy in
their daily life’s due to which families prefer to utilize outsources laundry services .We will conduct
an in-depth research of the potential users, the financial requirements and the future profits these
laundromats may able to earn. With this study we hope to introduce a service that the population
didn’t know they wanted but needed all along.
Area of Study:
Finance
Supervisor Name:
Dr. Muhammad Akhtar
Group Members:
Abdus Samad Adeel (i17-1535)
Muzammil Shakeel (i17-1525)
Omna Saeed (i17-1605)
Asfand Dadan (i17-1587)
Impact of Brokers networking on stock market through symmetric and A-
symmetric information diffusion patterns
The purpose of this study is to evaluate the impact of brokers networking and the information they
diffuse i.e. symmetric and A- symmetric on the stock market.
This research will enlighten us as to how the brokerage networks diffuse the information across the
network and how it generates volatility in the stock market. Moreover, it will also incorporate and
assess the relationship of brokerage networks and investors and to see whether the investors
attention influence this relationship.
For this study, the research will comprise of more than 100 brokerage firms currently operating in
rationale that lies behind the market chosen is to assess critically the consequences information
diffusion has on our market.
between broker and an investor and to what extent symmetric and a- symmetric data influence the
stock market and their returns.
Area of Study:
Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Zulaikha Almass (i16-1526)
Sheikh Faisal (i17-1540)
Alishba Saleem(i17-1506)
Zainab Haq (i17- 1585)
Coronavirus (COVID-19) emerged in Wuhan city of China in November and early December 2019. It
spread like a wildfire to all the parts of the world. COVID-19 pandemic has impacted every sphere
of life up to an alarming pace. The aggregate effect of COVID-19 has stemmed in stock market
crashes, minimal household spending, zero savings, and slight activity of retail trade, all due to
lockdowns, trade closure and banned travel. COVID-19 spread at an alarming pace, infecting
millions, and brining the economy activity to halt as different countries-imposed restrictions. Since
the spread of COVID-19, the entrepreneurs are confronting a new reality like many other
businesses. Entrepreneurs are credited with innovating the best possible ways to deal with the
challenges or simply to make the life of a common man a bit easier. Therefore, the main intent of
the entrepreneurs is to find the challenges or the needs and then turn them into opportunities. The
main objective of the research is to explore the impact of COVID-19 on entrepreneurial activities in
COVID-19.
Area of Study:
Finance
Supervisor Name:
Ms. Falak Khan
Group Members:
Arisha Baig (i17-1574)
Fatima Ejaz (i17-1597)
Tehreem Asif (i17-0701)
Impact of Financial Distress on Earnings Management in moderation with
CEO Decision Making
Earnings management can be described as the selection of accounting policies and methods to gain
a particular financial reporting outcome and to window dress certain financial statements. This
study mainly focuses on the impact of financial distress on earnings management in moderation
with CEO’s decision making. The first motive behind this study is most important in this time and
era as there is an increasing trend in earnings management in South Asia, it appeared important to
discuss upon this topic. Secondly, from the existing research, we come to an indefinite result
regarding the link between the level of distress and earnings management and, the types of CEO
decisions and earnings management. The last but not the least motive is, as far as we studied, no
research exists in the South Asian context conveying the idea: to what extent, the various types of
CEO traits use earnings management to conceal financial statements, specifically in financially
distressed firms. Although there exist studies on earnings management in South Asia, this field has
remained under focused.
Area of Study:
Accounting and Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Zaid Bin Tahir (i17 - 1541)
Manahil Najam (i17 - 1515)
Rameen Khan (i17 - 1558)
Saba Waqar (i17 - 1501)
Impact Of Investor Trading Behavior and Investor Sentiment On Asset
Pricing In Association With Media Coverage And Investor Attention;
Evidence From Selected Asian Economies
This Research paper exhibits how asset prices are influenced by investor trading behavior and
investment sentiment in moderation with media coverage and investor attention by taking
evidence from selected Asian economies. The purpose of our study is to examine the rationale
behind fluctuations in asset pricing in the financial market based on uncertain investor psychology.
The key players in any financial market are its investors, our goal is to determine the specific
indicators that are prevalent on how investors operate. The two primary indicators are investor
trading behavior and investor sentiment subdivided into two further indicators known as Media
coverage and Investor attention. We estimate that the investor trading behavior as well as investor
sentiment has significant effect on asset pricing beyond the three factors of Fama-French Model.
This study may reveal that the media effect leads to investor sentiment fluctuations and
significantly affects investor trading decision. The resulting variations in the bond and stock market
cause ripple effect that stretches throughout the country’s economy on a hierarchal level. Since
Asian economies are interlinked, there is a possibility that this ripple effect can lay claim on other
connected economies as well. Media, Brokerage firms and stock volume assist in gaining investor
attention. The resultant investor attention and media have a noticeable effect on investor
sentiment and investor trading behavior. This collectively leads to variations in asset pricing.
Unsophisticated investors are more prone to sentiment than sophisticated investors. Furthermore,
investor sentiment has temporary effect on the asset pricing through attentive and impulsive
behavior. When index is high- that is when investor sentiment is low- individual investors are on the
sell side of the market. This research may help the investor to improve his trading behavior through
media and this refined trading behavior will help him command the asset pricing that will ultimately
benefit the investor. Media coverage and investor attention may prove beneficial for the investor
as well as brokers which are part of the financial market
Area of Study:
Empirical Research
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Mohammad Abdullah (i17-1563)
Mashalle Minallah (i17-1536)
Hiba Ghazanfar (i17-1537)
Rubab Ahsan (i17-1578)
Impact of Macroeconomic variable on capital structure performance and
asset liquidity: Asian tiger’s vs emerging Asian economies
Success and efficiency of the firm are two factors that are correlated. In order to ensure the factor
of success of the firm, there are several factors that need to be taken into consideration, for
example macroeconomic variables. Macroeconomic indicators are among the external forces over
which companies have little or no influence, but they have a substantial impact on it and turn their
potential productivity. But, the question is that what will the firm do even if it successfully analyze
the macroeconomic variables? To answer this question, two major variables of efficiency are taken
in this research, that is; Capital structure performance and asset liquidity (moderating variable). The
firm's capital structure performance shows how well capital structure is being utilized. It is the
combination of debt and equity it uses to fund its productive assets, activities, and potential
growth. It is a direct determinant of overall capital costs and adds to the firm's overall risk level.
Whereas, an ease with which an asset can be transformed into cash determines its liquidity.
Macroeconomic variables play a pivotal role as firms would be able to manage their capital
structure in moderation with asset liquidity and this will also give a deep analysis of future
predictions which would ultimately enhance the overall efficiency of the firm. This study will
compare three Asian Tigers and three Emerging Asian Economies, providing profound insight into
how macroeconomic instability affects companies in Asia and how they react to these changing
economic conditions.
Area of Study:
Finance
Supervisor Name:
Sir Adnan Shoaib
Group Members:
Rabia Sarfraz (17i-1592)
Nouman Shafqat(17i-1612)
Fatima Arshad (17i-1615))
Hafsa Baber (1i7-1617)
Micro and Macro Level Determinants of Efficiency of Islamic Banks: An
MLA Based Approach
This research aims to check the efficiency of Islamic Banks through a MLA (Machine Learning
Algorithm) approach in a global environment. Efficiency of conventional banks has already been
identified through MLA and DEA approach. However, there still exists a gap where more factors in
industry specific and macro-economic factors need to be identified through MLA to improve the
efficiency of Islamic Banks. As Islamic Banks are progressing globally so it is important to study
these factors.
Working on micro and macro level determinants of conventional banks has helped to improve its
efficiency. Similarly, the unidentified macro level determinants can prove to become a vital source
for knowing what enhances the efficiency of Islamic Banks in a global environment. Banking system
are mainly linked with bank specific (Bank Risk, Bank Size), industry specific (Capital Structure,
Liquidity) and macro-economic (GDP, Inflation) factors. This research is more focused on an overall
approach towards the Islamic Banks. Previous researches on Islamic Banks have been limited to
certain regions or countries. Primary data from 50 Islamic Banks will be acquired from year 2010-
2020. Furthermore, the MLA method has not been widely used for measuring the efficiency of
Islamic Banks. Studying of these factors will not only help the users of the financial statements but
also the managers and policy makers of the banks which will assist in improving the performance of
Islamic Banks.
Area of Study:
Finance
Supervisor Name:
Mr. M. Bilal Saeed
Group Members:
M. Ibrahim Malik (i17-1523)
M. Anas Bin Adil (i17-1602)
M. Bilal Khan (i17-1528)
Hamza Khan (i17-1566)
Risk and Profitability of Banking Sector in
As after the global financial crisis of 2008 it was observed by many researchers that one of the major reasons
behind the collapse of major financial markets and banking sector was led by banks not having enough capital
reserves to meet their financial losses. This resulted into a trickle-down effect on the economy as whole. Keeping
this scenario into consideration the Basel Committee on Banking Supervision (BCBS), the committee responsible
for setting a set of rules and regulations for general banking (particularly risk), decided for all banks to maintain
minimum capital ratios (e.g. risk awaited against capital ratio), so they can minimize risk and increase profitability.
However, after this condition was proposed and implemented by various banks globally and they started to
maintain capital reserves, a sect (e.g., some Chinese and European banks and experts) took a stance and criticized
this idea of maintaining capital reserves. They argued that keeping a capital reserve with them hinder their
lending activities, hence impacting their profitability. However, another sect maintained that by keeping their
risks low by maintaining capital reserves they can get a increment in their stock prices, as a low risk investment
opportunities in such banks will attract different investment groups and with help of such investments we can
increase our profitability.
model as used in the above mentioned research to test the effectiveness of Basel Rules and Regulations related to
Banking to check the difference in effectiveness of capital requirements of the Basel Ratios under both of the
banking systems. In the first part of our research, we will compare traditional capital ratios with Basel capital
will test the effectiveness of the Basel framework based on our analysis. Whereas, in the second part we will
compare between conventional and Islamic banking system for the effectiveness of Basel framework by using the
similar technique as we used in the first part. Basing our analysis on risk and profitability again, we will test which
system. There is very little to no research taken out on this subject and as per our best knowledge we have not
Area of Study:
Finance
Supervisor Name:
Prof. Dr. Muhammad Akhtar
Group Members:
M. Abdullah Saad (16i-1599)
M. Raahim Banday (16i-1608)
Aqib Hayat Khan (16i-1598)
Almeera Ibrahim (16i-1532)
The impact of capital structure and board composition on firm
performance of Non-financial firms listed on PSX
Enhancing a firm’s performance and profitability is the goal of every business. In this particular
research, We have taken capital structure and board composition as two variables that can effect
the firms’ performance. These two variables have been further divided into short-term and long-
term debt for capital structure, whereas factors i.e., number of board members, size of board and
autonomy of board are taken for board composition. The firm performance which is a dependent
variable has been determined by ROA, ROE and Tobin’s Q.
Over the years many studies have been conducted under this subject but mainly for developed
economies so we have taken into account the most recent pool of data and analyzed the effect of
effect the aforementioned independent and dependent variables have also been well incorporated
Area of Study:
Finance
Supervisor Name:
Dr. Muhammad Akhtar
Group Members:
Saad Ali Hashmi (i17-1518)
Zain Ali (i17-1559)
Hassan Shafique (i17-1610)
Umar Ali Khan (i17-1553)
The impact of corporate default risk on firm value, in mediation with financial
disclosure quality and maturity structure: Evidence from APTA economies
Economies across the globe are characterized by frequent dynamic changes; as a result of which, default risk has been
an alarming concern for all internal and external stakeholders in the corporate sector globally. The following study aims
to closely examine the extent of corporate default risk’s impact, in mediation with financial disclosure quality and
maturity structure, to the value of the firms in the manufacturing industry of APTA countries. To cope up with growing
trends and uncertainties in the business world, the study can also assist investors to make sound investment decisions
to prevent themselves from falling into the distressed zone.  By doing so, this study sets forth recommendations to
improve the efficiency of the financial system in terms of the monetary and credit policies in such economies. Member
countries of APTA will thus particularly benefit from the results drawn in the course of this research.
To comprehensively analyze how firm value is affected by corporate default risk in mediation with financial disclosure
China, India, Bangladesh and Sri Lanka will be collected and worked upon. To elaborate further, firm-level data from the
manufacturing industry of the mentioned countries will be gathered with companies from each country, and will
include both distressed and financially stable companies for comparison so that more sound and in-depth deductions
and results can be put forth. The model derived for our calculations will include the following four variables:
 Corporate default risk , Firm value , Financial disclosure quality  Maturity structure
The results drawn from the research expect to contribute to the literature and practice of the manufacturing industry in
several ways. This study would be a great resource for the regulators in observing and enforcement activities. The
findings of this study would not only lay down a road map for different agencies that monitor fraudulent activities and
actions but may also help different creditors/lenders to observe the activities of firms considering the disclosure quality
and maturity structure. Moreover, it can be used in the formulation of different guidelines on how to avoid default risk
by considering different key factors. The following research would as well be proven beneficial for different firms in the
manufacturing industry in identifying loopholes. This paper would play an important role to enhance the knowledge
base of the public on the tendency of different firms to commit default fraud.
Area of Study:
Finance
Supervisor Name:
Dr. Adnan Shoaib
Group Members:
Adla Mumtaz  (i17-1505)
Amna Khalid (i17-1581)
Momina Shuja (i17-1503)
Rida Habib (i17-1551)
High Achievers
Class of BS ( A&F )
Arisha Baig (i17-1574)
I have always hated saying goodbyes but never knew that I would be saying goodbye to FAST with
a happy but sad heart; four years literally flew by in no time!
When I joined FAST, I was a self-doubting, clueless kid not knowing whether would be able to
stand tallest in the university, never thought would be able to make it till the end. But FAST
changed the perspective I had in life. It made me a confident, opinionated and self-organized
about future and life.
FAST has this rigorous routine and mode of study, and it challenges one to come out from their
comfort zone. I welcomed all the challenges with the belief that all the “Indeed with hardship
comes ease” and hence it made and polished me into a much finer graduate.
FAST has given me more than one can think off. From great friends who are from different parts
of countries to the experiences from the events such as NASCON, Welcome party etc. to the
undeniable help and guidance from the teachers and peers to being the teacher’s assistant; the
experiences it all came with was overwhelming and majestic to the core. The friends I gained are
a part of the journey that I outshined from others. To me FAST was like a wonder house, because
it did wonders in me.
I can’t thank FAST enough for everything it did for the simple girl who had no clue about life, for
the gazillion memories that I can’t trade anything with and the way it groomed and primed me.
FAST gave me a personality of my own. I came in FAST against my will but would be proudly say
that this is that one decision I am forever grateful of proud of making, because just as I am about
to graduate, I want to say it loud, that I fell in love with this place.
Forever grateful.
Fatima Arshad (i17-1615)
The four years journey at FAST, full of emotions, memories, lessons and much more. These four
years passed really quickly, but it taught me so much. Now as I look back at the time I have spent
here from first day till now it was nothing but a roller coaster ride, full of ups and downs, happy and
sad moments, fear and faith but it was all WORTH IT.
Looking at myself when I entered the university and looking at myself now when I am graduating,
this place has shaped me to a very confident being, full of skills and has enabled me to face difficult
situations. It will get exhausting at times, when the deadlines of quizzes, assignments, projects,
presentations and exams will be hitting you but in the end when you look at yourself you will see,
that all the pressure made you develop skills. Time management, working under pressure, team
work skills, communication skills and much more.
Moreover, I can never thank enough the teaching faculty at FAST, they have added significant value
to my life, even working to their level best in pandemic times for the students. FAST is one of the
best institute, where one can learn, gain knowledge and explore their talents. FAST encourages
students to get involved in extra-curricular activities such as arranging different events like NaSCon
and FAST has many different societies too that encourage student participation. I also involved
myself into such activities on campus. During most of my time I have been a part of FAST Islamic
Revival Society which has played a huge part in shaping who I am today and taught me to generous,
to be humble and to be helpful. From being just an attendee of their events to then playing my part
in arranging those events I have learnt so much. THANK YOU FAST for giving us so many
opportunities to explore and learn.
Mashalle Minallah Choudry (i17-1536)
We’re always transitioning from one educational phase to the next throughout our lives as a
student. With each transition you step out of one institution with a box full of memories and step in
to another. I too have experienced these transitions from my school to my college, both prestigious
institutions, and then I transitioned to a well renowned institution which changed my life, Fast.
Where ordinary people see a football, a café and departmental buildings encased within the
campus walls, I see a light which has kept me going throughout the course of these four years. This
light includes my friends who have kept me sane with their jolliness when the pressure of studies
got to me, my teachers who helped me whenever I needed them, Uncle Sheeren (our campus’
guard who did rounds of the entire university throughout the day) who used to cheer us up with his
humor and good heart, my seniors who helped me realize that Fast is not just about getting grades
and a good CGPA, it’s also about making tons and tons of unforgettable memories along the way.
What I like most about Fast is that there’s a surprise around every corner. Sure you get loads and I
mean loads of assignments and projects but you also get to have a great deal of fun with your
friends and classmates. Events like NasCon and Outloud really makes you become one with your
seniors and the institution all-together. Even though our batch didn’t get to spend as much time
together during our last semester due to the pandemic, we still managed to squeeze in a cultural
day and wear our batch jackets in our campus when the institution was open which was really
memorable.
Fast has taught me to be confident and hold my ground when I’m faced with any situation. It has
taught me that I am competent and I stand a chance in the big leagues as much as any other. I am
proud to be a medalist of this institution. Whatever I’ve achieved and whatever life experiences I’ve
gained during my time here are because of Allah (S.W.T), the well wishes of my parents and close
friends who also happen to be my batch mates. I strongly believe my success and present standing
is because of my close friends and my seniors who helped me both academically and mentally
throughout my journey, my parents who were and are my constant support and last and most
important, Allah (S.W.T) who has never for a second left my side in these endeavours.
My journey at Fast Nuces has been a roller coaster. There were ups and there were downs. But it’s
safe to say that the ups outweigh the downs and I have made countless memories, more so than I
can count.
“The world is not in your books and maps, it’s out there”
Mohammad Ibrahim Malik (i17-1523)
Writing this note before Graduation, and being a part of the High Achievers list with imminent
fellows of 2017 Batch is a big Honor and moment of pride for me.  The years 2017 till 2021 has been
a roller coaster for me, coming from Cambridge background, an understanding social circle to a
totally different place – new system, new people and more complex academics. Being a mediocre
student all my life I could never have imagined being applauded one day as a high achiever.  From
being an extremely shy student to presenting at FAST’s Auditorium, I realized a newer perspective
of life, a found a more professional me. Hard work never goes in vain.
From giving Mocks and Cies, life shifted to back to the basics – Quizzes, Assignments and midterms;
a lot tougher though and similarly prefects became CR’s. Suddenly class participation became an
integral part. 45 minute periods became 1 hour 30 mins lecture. Gradually, this student was
polished to become a professional human being. This university became a breeding ground for me
to change into a completely different and more professional individual.
With professionalism, I went through a thorough social life as well by participating in every social
event – these events brought a more fun version of the National University of Computer and
Emerging sciences. From Outloud, Nascon and FUDC they have been a great coach guiding me
towards improving myself managerially as well as socially.
So, to all those reading this, my message to you is to always having goals and ambitions – with that,
you should always choose the right path to lead you there. Never compromise on re aligning and
reevaluating anytime in between your pursuance, because that is where you will find yourself.
“The only limit to our realization of tomorrow will be our doubts of today”
Momina Shuja (i17-1503)
Life at FAST has been just that: fast. It seems like only yesterday I sat in a classroom full of
strangers, unsure of what I should expect the next four years to look like, and now, 2 months away
from graduation with glaring realization that reality will soon hit, I simply want to reverse time and
experience everything all over again. The memories I’ve created at FAST will remain etched in my
mind for years to come; from endless birthdays in the ground to rendezvousing with friends under
the wisdom tree during breaks, and even bunking classes to go try out some new eatery, I have a
plethora of wonderful experiences to take with me. Though, my experience in FAST has had its ups
and downs; from tight deadlines to surprise quizzes, a ton of assignments and in the constant stress
of grades I have stayed up all night at times studying or finishing up a project with bloodshot eyes,
but at the end of it all, it has allowed me to grow, to learn and to lead.
I often wondered why there was such immense stress and excessive difficulty in studying here, but
now I realize that diamonds are indeed formed under pressure, and that is what FAST delivers; cut,
polished and shining diamonds. Just like that, I have seen myself change over the course of these 4
years, and now I stand more confident, resilient and ambitious than ever before, and I owe it to
FAST for the experiences it gave that allowed me to transform into who I am today.
Now, as I think about graduating in 2 months, I am comforted by the fact that I have evolved as a
person, and possess an arsenal of skills to help me find success in life. I will be not only be leaving
with a bachelor’s degree, but with more knowledge, grooming and self-assurance than when I
stepped into this institution. Being a Fastian has been a life changing experience; I have cried,
laughed, fallen and gotten back up, but through it all my resilience remained unwavering. The 4
years spent here have been a humbling experience, and one which I will cherish forever.
Muhammad Bilal Khan (i17-1528)
Studying at FAST University is one of the most memorable experience of my lifetime. I entered FAST
as a person who could not even stand in front of his friends for a speech, and became a person who
used to be the group leader in presentations. Now after 4 years I am grateful to Allah that FAST
provided me with such teachers who put me in difficult situations and challenges which polished
my communication skills and increased my confidence. Learning from the experiences of so many
different teachers has no doubt made me a better person. For many of the teachers, it was not only
about teaching us the courses but they also made sure that we learned something valuable from it,
which would make a positive impact on us not only professionally but also personally.
I did my O Level and A Level in Pre-Engineering, and I still remember how afraid I was in the first
week as I had no clue about Accounting and Finance. But then, there came a time when I called my
family three times to attend my medal ceremony. It was an unbelievable feeling indeed. In my first
semester, I really got annoyed when I had to stay really late in the university due to my classes. But
from my second semester onwards, I had made such good friends and with the refreshing
environment that FAST provided, I used to stay till late in the university even if I did not have
classes. One of the important abilities which I learned from FAST and my friends is about having
patience. As I always wanted to get assignments, projects and meetings done right away, but my
university and my friends taught me to take things easily and not impulsively. My experience of
becoming a teacher’s assistant was really interesting and unforgettable as I dealt with things from a
teacher’s perspective. It taught me about the weight of responsibilities which teachers carry when
dealing with students.
In the end I would just say that Allah is the best of planners as I could not have asked for a better
university.
Rida Habib (i17-1551)
From walking those hallways for the first time for my entrance exam to rushing to my class almost
four years later, I have come a long way. My journey here at FAST has been full of experiences,
memories, and lessons that I would always hold close to my heart. The truth is I still cannot believe
how fast time has flown by. Back in first semester, the endless grind of assignments and exams
made graduation seem like a very distant point in future, but if you were to ask me, these four
years flew by in the blink of an eye.
As cliché as it may sound, FAST made me who I am today. The journey was by no means easy, in
fact, I could even make a list of all the places I cried at during my time here at my FAST, but I
wouldn’t have it any other way. From the lovely people I met here, bonds with whom I would
cherish for the rest of my life, to the supportive teachers, who mentored me every step of the way,
FAST has been like a family to me.
The exposure I got here at FAST helped define my core skills. It really is commendable how the
endless streams of presentations and extracurricular activities, such as the NaSCon, have been
designed to be standalone learning experiences… very cheeky of FAST! I evolved from a person who
was too shy to place her own order at McDonald’s to effortlessly pitching my ideas on the
auditorium’s stage, in front of over a hundred people in just my second semester.
With my parents’ guidance and love, and the mentorship offered by the university, I accomplished a
lot in these four years. As I write this down, it’s not lost on me how much I would miss this place.
From sitting beneath the Wisdom Tree to singing my heart out on a chilly bonfire night, my journey
at FAST will always be a fond memory.
Saad Ali Hashmi (i17-1518)
The beautiful thing about learning is that no one can take it away from you.
This quote really resonates with me as I have always believed in learning more than just scoring
grades. I joined FAST 4 years ago and I had no idea what I am about to experience ahead. I came
from an O and A levels background so I had no idea how this university system works.
At the beginning I was scared of all these quizzes, assignments, projects and all but as time passed it
made me realize how important it is to learn constantly.
FAST has shaped me into a better person, it has trained me how to take care of your
responsibilities, how to effectively manage your time and most importantly to learn and just not
memorize for the sake of scoring grades.
I achieved a silver medal in my 4th semester through my hard work; the silver medal motivated me
to work hard in life and made me realize that your efforts will never go UN noticed
I would like to thank my teachers, my colleagues and my peers who have been really helpful in this
journey; they have motivated and inspired me.
To conclude studying at FAST was a worthwhile experience and I am not taking only a piece of
paper from this university when I graduate but a bundle of memories, knowledge and skills.
Tehreem Asif (i17-0701)
Fast — its sounds more of a roller coaster ride of memories for me rather than just a University. I
still remember my first day here when everyone was asking me, ‘why FAST? And why A&F when
you’ve been a pre-engineering student in the past? Honestly, I had no clue and never thought I’d be
able to make it through these four years. But today, if someone asks me, I’d say that being here is
one
of
the
decisions
of
my
life
that
I’m
really
proud
of.
Fast is more than an institute. It teaches you and refines you as a person so much that you realize
this after you’ve graduated. Fast has helped me polish my skills and abilities in such a way that I
started working part-time in a reputable company when I was in my third semester. Honestly, it has
been three years and I’m a full-time employee there. I’d like to give all my credit to Fast because it
has helped me become the person who I am today. Its sounds funny now that a girl who used to
slutter while talking and pray that she never has to give presentations has been awarded with so
many
awards
for
her
communication
skills.
Thank
you
FAST!
PosiƟon Holder
Class of BS ( A&F )
Medal Holders of Bachelor of Science (Accounting & Finance)
Batch 2017
S.No
Roll-No
Name
Fall-17 Spring-18 Fall-18 Spring-19 Fall-19
Fall-20
1.
17I-1503 Momina Shuja
Gold
Gold
Bronze Gold
Gold
Gold
2.
17I-1523 Mohammad Ibrahim
Malik
Silver
3.
17I-1536 Mashalle Minallah
Choudry
Bronze
4.
17I-0701 Tehreem Asif
Silver
5.
17I-1528 Muhammad Bilal
Khan
Bronze
Silver
Silver
6.
17I-1574 Arisha Baig
Gold
Bronze
Bronze
7.
17I-1518 Saad Ali Hashmi
Silver
8.
17I-1615 Fatima Arshad
Silver
9.
17I-1551 Rida Habib
Bronze
FAST School of
Management
Class of MBA

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