QUALITATIVE STUDY ON LIQUIDITY MANAGEMENT PROCESS FOR ISLAMIC BANKS OF PAKISTAN

Purpose: This is a qualitative research that gives an insight into liquidity management process of Islamic banks and exploring banker’s perspective in Pakistan. Interviews were used as a research instrument through which bankers were gotten some information about products, services and liquidity services proffered by banks, practices of liquidity management, structural support in liquidity management, SBP job in liquidity management and advertising system to draw in depositors. Design/Methodology/Approach: There were 15 interviews conducted with the bankers from Islamic Banks, analyzed through thematic analysis, indicating that Islamic banks have growing potential in the market. Considering deposits as significant perspective in liquidity management of banking sector different advertising related viewpoints were watched Findings: It was perceived that Islamic banks are experiencing laudable growth and customer attraction. Reason being the notion that the Islamic banks are shariah compliant, presence of muftis in its shariah board, fluctuating profit rates and the manner in which it is gone before. While other critic that calculations are based on KIBOR and elements of interest still exits even in Islamic banks. Implications/Originality/Value: Furthermore,conventional marketing procedures were also practiced by Islamic banks such as advanced media or print, door-door marketing, reference use, depending on word-ofmouth and product and service improvement, difference in opinion is due to unsatisfactory guidance by Islamic Banks to their customers