https://journals.airsd.org/index.php/zjss <p style="text-align: justify;">The Zakariya Journal of Social Sciences (ZJSS) publishes empirical, theoretical, conceptual and methodological papers of the highest quality on topics in the fields of education, pedagogy and all allied disciplines of social sciences. Any submission to ZJSS is expected to meet the journal requirements and focus on practicably empirical research. Typically, a paper suitable for ZJSS should attempt to replicate, create, advance, deepen, or repudiate existing published theory about professional teaching and learning and allied social sciences disciplines through conspicuous and vivid illustrations and models that can be tested through the evidence for the purpose of empirical support. ZJSS also encourages a variety of disciplinary perspectives, methods, conceptual approaches, and substantive problem areas. ZJSS at AIRSD is interested in publishing articles derived from experiential paradigm and field-based exposures along with conceptually robust theory rooted in social and cultural practices within the allied disciplines.</p> <p><strong>Scope</strong></p> <p style="text-align: justify;">The mission of establishing Zakariya Journal of Social Sciences (ZJSS) is to promote high quality international standard research in the field of Education, Law, Economics, Commerce, International Relations, Islamic Studies, Arabic Studies Political Science, Psychology, Philosophy, Anthropology, Communication Studies, Civics, Environmental Studies, Library Sciences, Public Administration, Media Studies and Sustainable Development, Women Studies, American Studies, Rural/ Urban Studies, Journalism, Peace &amp; Conflict Studies, Disaster Economics, Archeology, Anthropology, Archival Studies, Iqbal Studies/Iqbaliyat, Demographic and Population Studies, Religious Studies/Comparatives Religions, Home Economics, Mass Communication etc.</p> <p><strong>Objectives</strong></p> <ul> <li>To publish scholarly research contributions of scholars in the faculty of Social Sciences</li> <li>To help students of research in all allied disciplines across the nations to share their empirical research and findings both in qualitative and quantitative paradigm</li> <li>To produce research that can be applied in any social and education context</li> <li>To create research activities that can benefit universities and research institutes' research requirement as pre-requisites for effective ranking</li> </ul> Ali Institute of Research and Skill Development (AIRSD) en-US Zakariya Journal of Social Science 2957-4897 https://journals.airsd.org/index.php/zjss/article/view/503 <p><em>This study examines the intricate relationship between financial performance and credit risk management in Islamic banking, focusing on the ripple effects of key risk indicators. Employing a semi-experimental methodology, we analyzed annual financial data from five top-performing Islamic banks in Pakistan listed on the Pakistan Stock Exchange (PSE) over the period (2019–2023). Using Ordinary Least Squares (OLS) regression, this research evaluates the impact of Non-Performing Financing (NPF) and Assumed Financial Risk (AFR) on Return on Assets (ROA), a primary metric of financial performance. The findings shows that NPF negatively and significantly impacts ROA (β1 = -0.0655, p &lt; 0.05), underscoring the importance of robust credit risk management practices. Conversely, AFR demonstrates a positive and significant influence on ROA (β2 = 0.00025, p &lt; 0.05), suggesting effective risk assumption strategies enhance profitability. Co-integration tests indicate no long-term equilibrium relationships among ROA, NPF, and AFR, yet random effects regression underscores a significant correlation between credit risk management (CRM) and Islamic banks' performance. The results highlight that Islamic bank conduct meticulous risk evaluations to mitigate adverse effects of credit risks, safeguard depositor equity, and enhance financial outcomes. The study concludes that strategic management of credit risk particularly minimizing NPF and optimizing AFR can significantly boost financial performance. These findings hold critical implications for policymakers and stakeholders aiming to strengthen the resilience and profitability of Islamic financial institutions.</em></p> Aqsa Iqbal Muhammad Saeed Iqbal Arooj Fatima Muhammad Armaghan Ghori Sheeza Tahir Copyright (c) 2025 Zakariya Journal of Social Sciences https://creativecommons.org/licenses/by/4.0 2025-01-19 2025-01-19 4 1 01 16