Rukhsar Baloch is a dedicated researcher and academic with a strong background in marketing and management sciences. She holds an MPhil in Marketing from Quaid-I-Azam University, Islamabad, and a Bachelor of Business Administration from the University of Turbat. Her research primarily focuses on consumer behavior, sustainable marketing, and financial services adaptation. With extensive experience as a Research Assistant, she has contributed to multiple research projects, published in high-impact journals, and actively participated in academic competitions. Her research work emphasizes environmental consciousness, moral self-identity, and consumer financial behavior. In addition to research, she has worked as an administrative assistant at an educational institute, showcasing her leadership and management skills. Rukhsar’s dedication to academic excellence is reflected in her numerous awards, including merit-based scholarships and recognition for her business ideas. She continues to expand her research portfolio and professional expertise to contribute significantly to marketing and consumer behavior studies.

Professional Profile:

• ORCID Profile

Education

Rukhsar Baloch has a strong academic background in management sciences and marketing. She earned her MPhil in Marketing from Quaid-I-Azam University, Islamabad, with a commendable CGPA of 3.7. Her thesis focused on “Environmental Consciousness and Consumption Behavior,” highlighting her interest in sustainability and consumer decision-making. Prior to this, she completed her Bachelor of Business Administration from the University of Turbat, graduating with a CGPA of 3.5. Her undergraduate research explored “Herding Behavior in Pakistan’s Stock Exchange,” demonstrating her ability to analyze market trends and financial decision-making patterns. She also pursued intermediate education at Government Girls Degree College Turbat, focusing on science subjects, and completed her matriculation from Government Girls High School Absor. In addition to formal degrees, she has completed various professional training programs, including gender sensitization, small business startups, social communication, and employability skills. These certifications, obtained from prestigious institutions such as USAID, NRSP, and Luiss Business School, Italy, have further enriched her knowledge base and skill set, making her a well-rounded academic and researcher.

Professional Experience

Rukhsar Baloch has extensive experience in research, academia, and administrative roles. She worked as a Research Assistant at Quaid-I-Azam University from September 2021 to August 2023, where she was actively involved in data collection, literature reviews, manuscript writing, and statistical analysis. Her contributions to research were instrumental in publishing high-quality academic papers and contributing to significant marketing studies. Additionally, she has been serving as an Administrative Assistant at the Highly Organized Progressive English Language Academy in Turbat since 2019. In this role, she has successfully managed academic events, conducted audits, and delivered lectures, showcasing her leadership and organizational skills. Beyond these roles, she has participated in various research projects, including studies on driving behavior in the Pakistani stock exchange and women’s empowerment in small businesses. Her diverse professional background demonstrates her ability to handle research-intensive tasks while simultaneously managing administrative and teaching responsibilities. These experiences have equipped her with the skills necessary for high-level research, academic writing, and effective communication, making her a valuable asset to the academic and business communities.

Research Interest

Rukhsar Baloch’s research interests lie at the intersection of marketing, consumer behavior, sustainability, and financial decision-making. Her MPhil research explored the impact of environmental consciousness on consumption behavior, demonstrating her commitment to sustainable marketing. She is also deeply interested in financial markets, as evident from her undergraduate thesis on herding behavior in Pakistan’s stock exchange. Her work extends to analyzing moral self-identity, green conspicuous behavior, and the role of religiosity in sustainable consumer practices. Additionally, she has explored customer experience and perception in financial services, with a special focus on digital payment systems like RAAST. Beyond marketing and finance, she has contributed to research on women’s empowerment and small business sustainability in underdeveloped regions. Rukhsar is keen on expanding her research into digital marketing trends, behavioral finance, and policy-driven consumer behavior studies. Her interdisciplinary approach integrates marketing psychology, finance, and sustainability, making her research impactful and relevant to contemporary global challenges.

Research Skills

Rukhsar Baloch possesses a strong set of research skills, making her highly competent in academic and applied research. She is proficient in qualitative and quantitative research methodologies, with expertise in conducting surveys, data collection, and literature reviews. She is skilled in statistical analysis using SPSS, enabling her to analyze complex datasets and derive meaningful conclusions. Her experience in manuscript writing has led to publications in high-impact journals, showcasing her ability to structure research findings effectively. Additionally, she has strong digital skills, including proficiency in MS Word, MS Excel, and PowerPoint, which aid in research presentation and data visualization. Her ability to synthesize information, critically analyze trends, and apply theoretical frameworks to real-world problems strengthens her research capabilities. Moreover, her participation in various academic training programs has enhanced her knowledge of employability skills, gender mainstreaming, and business management. These skills collectively contribute to her effectiveness as a researcher and academic professional.

Awards and Honors

Rukhsar Baloch has received multiple awards and honors in recognition of her academic and professional excellence. She won the Business Idea Competition at the National Incubation Center, Quetta, which highlighted her entrepreneurial and innovative mindset. She also received a merit-based laptop award from the Chief Minister of Balochistan, a testament to her outstanding academic performance. Additionally, she was awarded a merit-based scholarship from the Balochistan Education Endowment Fund, which covered her entire undergraduate education. Her achievements also include a Certificate of Participation from the National Rural Support Program for attending a three-day exposure visit to Sindh. Furthermore, her research contributions have been acknowledged through high-quality publications in reputable journals. These accolades reflect her dedication to academic success, research excellence, and innovation. They also demonstrate her ability to compete at national levels and contribute significantly to research and entrepreneurship.

Conclusion

Rukhsar Baloch is a distinguished researcher with a solid academic foundation, professional experience, and a strong research portfolio. Her work in marketing, consumer behavior, and sustainable finance has led to notable publications and significant academic contributions. With expertise in research methodologies, statistical analysis, and academic writing, she continues to make valuable contributions to her field. Her achievements, including awards, scholarships, and competition wins, highlight her dedication to academic and professional excellence. While she has already established a commendable research record, expanding her international collaborations and diversifying her research methodologies will further strengthen her profile. Overall, Rukhsar Baloch is a highly promising researcher, well-equipped to contribute to academia and industry through impactful studies and innovative insights.

Publication Top Notes

📌 Authors: Ishaq, M.I.; Baloch, R.; Raza, A.; Talpur, Q.-U.-U.; Ahmad, R.
📌 Year: 2025
📌 DOI: 10.1016/j.jretconser.2024.104082
📌 Journal: Journal of Retailing and Consumer Services