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Member since August 23, 2012
3 Recommendations


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I am an experienced Copywriter and Content strategist HIRE ME to get quality work delivered! I believe in long term relationship with our clients by providing them high quality content and delivery on time MONEY BACK GUARANTEE FOR QUALITY 5 Reasons to Hire me: 1. 5 Star Average Rating 2. Creative & skillful writer 3. Highly Qualified & Technical 4. Guaranteed quality and timely completion 5. Your privacy is assured Services Includes: -Articles -SEO Articles -Business Proposals -Technical Writing -Financial Writng -Academic Writing -Report Writing -Proofreading -Internet Research -Ebooks - Statistical Assignments and SPSS -Professional Editing. Familiar with Harvard, APA, MLA, Chicago,Oxford and IEEE style. Business Plans -Proposal Writing -Investment Pitches --Excel - Expert in excel & data processing We encourage you to use Hire me button & discuss the project Hope to work with you soon!
$25 USD/hr
19 reviews
  • 96%Jobs Completed
  • 96%On Budget
  • 100%On Time
  • 10%Repeat Hire Rate

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    “My amazon seller account was re-instated thanks to Umar. He does great work. A+ service”

  • image of Esmihan A. Academic writers $50.00 USD

    “Communicative and professional but the content is not worth what i paid for”

  • image of Mykim T. Grant Writer: Proof edit a grant $250.00 USD

    “Good communication skills, on time and professional.”

  • image of Iiris H. Content Writing $25.00 USD

    “Great communication and articles. Thank you!”

  • image of Zack R. Project 10558469 has been deleted $100.00 USD

    “He did a great job. My Amazon account was reinstated and I was able to get my selling rights back. Awesome job!”

  • image of Writingspirit Looking for Junior finance writer. $50.00 USD

    “well done!!! A++”



Aug 2015

Cmuftech is a product & services provider to the Techies all around the world. From content to Web development we provide everything that a successful business needs

Web Developer

Feb 2011



2006 - 2010 (4 years)


2011 - 2012 (1 year)


Best Amateur Blogger (2010)


This certification was based on the Blogging course by YSE


Non Performing Loans in the Banking Sector

Emergence of NPLs in the banking system of Pakistan is rather an enduring phenomenon. It never seems to subside, though it goes through its own cycles. In Pakistan in the late 1990s nearly one third of the loan portfolio of banking system was impaired by non performance. Banking industry maintained the myth of infected loans as though the disease can be cured. If NPLs degenerate into loan loss, this has to set against income of the bank and if that turns out to be insufficient in any given year then these N


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