Tahira Iram

Mrs. Tahira Iram


Research Focus & Metrics

Academic Career Length

8Years (2019-Present)

(Calculated once Scilit publication data is synced: current year − year of first publication + 1)

Representative Publications

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23 June 2021 in Global Business Review
Verified
Journal Article
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TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
SLShahid Latif
Shahid Latif
Financial literacy is of utmost relevance in the field of entrepreneurship, especially in developing countries. However, what builds financial literacy and how it shapes investment decision-making of women entrepreneurs is an exiguously researched area. Building on this gap, this study postulates that women entrepreneurs’ prospect behavioural factors (loss aversion, regret aversion, mental accounting, and self-control) impact their investment decision process through the intervening role of financial literacy. Based on a stratified sample of 579 women entrepreneurs operating in Punjab, Pakistan, structural equation modelling was used to analyse the hypothesized relationship among variables. Findings showed that loss aversion, regret aversion, mental accounting, and self-control significantly influenced women’s financial literacy and investment decision process, whereas no impact of regret aversion was traced on investment decision-making. Thus, our results offered robust support that financial literacy stimulated by women entrepreneurs’ prospect behaviour invigorates their investment decision power.

8 February 2023 in Gadjah Mada International Journal of Business
Verified
Journal Article
Open access
PDF file
TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
ZAZeshan Ahmad
Zeshan Ahmad
This study investigates the theoretical link between heuristic behavioral factors and the investment decision-making of women entrepreneurs, focusing on the impor­tance of financial literacy as a potential mediator shaping prudent decision-making. We argue that women’s financial literacy is an efficient way to apply behavioral considerations in wise decision making. Using the proportionate stratified sampling method, we collect­ed data from women entrepreneurs who were formally registered in Punjab Province, Pakistan. Owing to the complex model and small sample size, the smart PLS method was applied to analyze the structural relationship between the measured and latent con­structs. The results show that overconfidence and availability heuristics have a significant positive impact on investment decisions, while financial literacy plays an essential inter­vening role between the overconfidence heuristic, availability heuristic, and investment decision-making. Our results support the execution of financial literacy awareness among women entrepreneurs to stimulate their financial decision control and give them the in­dependence to make prudent financial decisions.

1 July 2022 in IIM Kozhikode Society & Management Review
Verified
Journal Article
Closed access
TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
ZAZeshan Ahmad
Zeshan Ahmad
SLShahid Latif
Shahid Latif
This article aims to determine the intervening strength of financial mindfulness between financial literacy and behavioural biases in women entrepreneurs. The literature has an enduring discussion regarding the profoundly unique financial behaviour of women. Financial literacy and behavioural biases constitute a recurrent research topic, yet how this nexus exists in the premise of women’s entrepreneurship is not well known. Building on this gap, we examined the impact of financial literacy on women entrepreneurs’ behavioural biases by focusing on financial mindfulness as a potential moderator. A random sample of 346 women entrepreneurs operating in Pakistan was analysed using structural equation modelling through AMOS 21. The results revealed a significant direct impact of financial literacy on reducing anchoring and herding bias; however, financial literacy was found to be unrelated to mental accounting bias. The moderation analysis further revealed interesting indirect impacts, such that financial literacy strongly reduced mental accounting and herding bias for financially mindful women. Nonetheless, financial mindfulness does not negatively catalyse the relationship between financial literacy and anchoring bias. By encompassing the concepts of financial literacy, mindfulness and behavioural biases, we offer a unique theoretical strand with practical implications for women entrepreneurs. We suggest new avenues for the longstanding dilemma related to the factors instigating suboptimal financial decision-making in women entrepreneurs in developing markets.

13 August 2022 in Business Perspectives and Research
Verified
Journal Article
Closed access
TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
ZAZeshan Ahmad
Zeshan Ahmad
SLShahid Latif
Shahid Latif
The purpose of this study is to examine the impact of Conscientious personality on women entrepreneurs’ behavioral biases by focusing on financial literacy which is taken as a mediator while the mindfulness as a potential moderator. A random sample of 210 female entrepreneurs working in Pakistan was collected through stratified sampling technique and data are analyzed by using Structural Equation Modeling through SMART-PLS. The results divulged a significant mediating impact of financial literacy in reducing mental accounting bias among consciousness personality possessing women entrepreneurs; however, financial literacy was found related to the risk aversion bias through mindfulness. The moderation analysis further revealed interesting indirect impacts, such that financial literacy strongly reduced mental accounting and risk aversion bias for women who were more conscious of proper financial mindfulness. Nonetheless, financial mindfulness did not catalyze financial literacy and herding bias relationship. By encompassing the concepts of financial literacy, mindfulness, and behavioral biases in consciousness personality’s women entrepreneurs, we offered a comprehensive theoretical framework with practical implications for women entrepreneurs in Pakistan. Thus, we suggest new avenues for the longstanding dilemma related to the factors instigating suboptimal financial decision-making in women entrepreneurs in developing markets.

13 November 2024 in Kybernetes
Verified
Journal Article
Closed access
TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
RKRida Khan
Rida Khan
SMSaqib Mehmood
Saqib Mehmood
HKHarish Kumar
Harish Kumar
Purpose: This paper investigates the mediating role of employee awareness of artificial intelligence (AI) in the relationship between technological turbulence and knowledge hiding, with a focus on the moderating impact of change leadership. Design/methodology/approach: The survey study adopted a quantitative approach to propose and test a model based on predictors of knowledge hidings. The survey approach received 320 respondent firms in the hotel management sector. The structural and measurement model was calculated using SmartPLS. Findings: Employee AI awareness mediates the relationship between technological turbulence and knowledge hiding. Change leadership significantly moderates this relationship, reducing knowledge hiding by promoting innovative discussions and collaboration. High employee AI awareness can lead to knowledge hiding due to perceived threats to job security, but effective leadership mitigates this by fostering a collaborative environment. Originality/value: The study highlights the importance of effective leadership in reducing knowledge hiding and emphasizes the need for a collaborative environment where employees view external partnerships as opportunities for learning and acquiring AI knowledge.

9 October 2023 in Kybernetes
Verified
Journal Article
Closed access
TITahira Iram
Tahira Iram
ABAhmad Raza Bilal
Ahmad Raza Bilal
TSTariq SAEED
Tariq SAEED
FLFaiza Liaquat
Faiza Liaquat
Purpose: In 2016, Kingdom of Saudi Arabia (KSA) initiated Saudi Vision 2030, an ambitious plan to lessen the country's dependency on fossil fuels and increase economic diversification. The Vision 2030 framework strives to establish a thriving economy, a vibrant society and an ambitious nation. This study aims to investigate the role of green service innovation (SI) and green work engagement (WE) in mediating the nexus between green human resource management (HRM) and green creativity (GC) under conditional role of spiritual leadership (SL).Design/methodology/approach: A survey was done of 300 female intrapreneurs working in the organization within Saudi Arabia. This study has collected data via stratified random sampling technique. The framework was tested using PLS-SEM software.Findings: The findings reveal that WE fully intervenes the nexus between green HRM and GC. Moreover, SL positively moderates the nexus between green HRM and SI.Originality/value: Thus, based on findings, it is recommended that female intrapreneurs prioritize environmentally responsible operations to gain and sustain competitive edge over rivals in Saudi competitive market.