JOURNAL OF SOCIAL SCIENCES DEVELOPMENT <p><strong>Journal of Social Sciences Development (JSSD).</strong></p> en-US JOURNAL OF SOCIAL SCIENCES DEVELOPMENT UNLOCKING ACADEMIC EXCELLENCE: THE IMPACT OF ACADEMIC CITIZENSHIP BEHAVIOUR ON STUDENTS’ PERFORMANCE IN HIGHER EDUCATION <p>This comprehensive study looks into the complex dynamics of civic education, academic conduct, and performance among Multan University students. The study employs a quantitative research approach and focuses on sample of 200 MPhil &amp; PhD students drawn from four universities, with the data analysis conducted using SPSS. Study's overarching goals are to examine the impact of citizenship education on students' moral &amp; academic performance, explore the relationship between academic citizenship behavior and achievement, evaluate its role in cultivating engagement &amp; motivation in higher education settings. Findings reveal strong relationships between elements investigated, underscoring their interconnection &amp; impact on students' academic efforts. Study found positive but weak relationship amid teacher effectiveness and time management, offering insight on subtleties in the citizenship behavior. These results give educators &amp; policymakers, better understanding of complex interaction amid citizenship education and students' academic experiences at higher education level. Implications extend to improvement of educational practices and interventions that promote a conducive learning environment, eventually contributing to students' overall growth in the rapidly changing academic landscape.</p> Kainat Sadiq Uzma Munawar Hina Munir Copyright (c) 2024 JOURNAL OF SOCIAL SCIENCES DEVELOPMENT 2024-02-06 2024-02-06 3 1 01 13 10.53664/JSSD/03-01-2024-01-01-13 EXPLORING THE IMPACTS OF BANK COMPETITION ON FINANCIAL STABILITY: A SOUTH ASIAN PERSPECTIVE <p>The aim of this study is to explore impact of bank competition on financial stability in South Asia to provide profound insights into the dynamics of the banking industry within the region. To achieve this objective, current study used multiple regressions on the data from Pakistan, India, Sri Lanka and Bangladesh for the period 2000–2022. Results show that delicate competition encourages the banks to assume more robust risk management practices and operational efficiency, contributing to overall stable financial environment. The study invokes the attention of government and policymakers to find the results valuable as they navigate delicate balance amid fostering competition and maintaining secure banking sector. The research contributes to ongoing discourse on role of competition in shaping the stability of financial systems, particularly in emerging economies. This adds to scarce literature on impact of bank competition on financial stability in South Asian countries. Study contributes to literature on issue like role of competition in shaping stability of financial systems, mainly in emerging economies by challenging earlier studies that proposed negative link between competition &amp; stability in diverse satiations &amp; context.</p> Saifullah Khan Kashif Saleem Muhammad Zubair Khan Copyright (c) 2024 JOURNAL OF SOCIAL SCIENCES DEVELOPMENT 2024-02-10 2024-02-10 3 1 14 31 10.53664/JSSD/03-01-2024-02-14-31 THE INVESTMENT DECISION-MAKING: UNDERSTANDING OVERCONFIDENCE, HERDING AND RISK AVERSION AMONG INDIVIDUAL INVESTORS <p>The main objective of present study is to analyze impact of overconfidence, herding behavior, disposition effect &amp; risk aversion on investment decisions made by investors. The study's population comprises individual investors who engage in investments within the Pakistan Stock Exchange. The study's sample comprises 365 individual investors who participate in the Pakistan stock exchange over survey questionnaire. The results are analyzed using a structural equation model by researcher. The findings of this study suggest that there exists a statistically significant and positive correlation between the overconfidence, herding behavior, disposition effect, and risk aversion in relation to investors' decision-making regarding their investments. Current work offers novelty by unveiling complex interplay of psychological biases and risk preferences in determining investment decisions. The study focus is narrowed down to individual investors on PSE and paves way for exploration of future research, like, investigating same phenomena among institutional investors to enhance the inclusiveness of observed variables as well as their relationship.</p> Saad Zafar Sohail Ashraf Tahreem Raza Copyright (c) 2024 JOURNAL OF SOCIAL SCIENCES DEVELOPMENT 2024-02-13 2024-02-13 3 1 32 44 10.53664/JSSD/03-01-2024-03-32-44