1. Afza, T. & Amir S. (2013). Efficiency of Mutual Funds in Pakistan. MS Thesis submitted to COMSATS Institutute of Information Technology, Lahore, Pakistan.
2. Afza, T. & Ammara M. (2006). Effects of Financial Liberalization on the Cost efficiency of Pakistani Banks: A Stochastic Frontier Approach. presented at International Accounting Conference III (INTAC-III), June 26-28, International Islamic University Malaysia.
3. Afza, T. & Jam-e-Kausar A. A. (2010a). Firm Size and Efficiency in the Non-life Insurers of Pakistan. Journal of Quality and Technology Management, 6 (2), 165-183.
4. Afza, T. and Jam-e-Kausar A. A. (2010b). Efficiency of the Insurance Industry in Pakistan: An Application of Non-parametric Approach. Interdisciplinary Journal of Contemporary Research in Business, 2 (8), 84-98.
5. Afza, T. and Jam-e-Kausar A. A. (2012). Financial Reforms and Efficiency in the Insurance Companies of Pakistan. African Journal of Business Management.