Technology: Toward Business Sustainability

Media organizations in the current world find themselves amid rapid and relentless transformations, and from this is the aspiration towards applications based on innovation and renewal. From this emerged the importance of virtual reality and augmented reality applied to journalism for journalism. The trend towards creating a broader and more interaction with the audience who lives in the details of the digital environment is based on mixed reality, or what is called extended reality. The focus is on enhancing the field of audience participation in virtual and augmented reality through the acquisition of a Head-Mounted Device or augmented means such as Glasses, helmets, gloves, gloves, or special suits. Thus, the real is mixed with the virtual to the extent that experiments today are looking towards tracking signs, data, and information and working to integrate them with the physical human senses to create effective communication and achieve a unique and rich experience for the public.

Crypto-currencies are digital currencies that can be used to settle transactions over the Internet, and their emergence is intended to bypass traditional currencies. At first, central banks were very wary, but following the spectacular growth in transactions with crypto-currencies, some central banks were seduced and decided to appropriate the “blockchain” program by creating their own “central bank digital currencies” (CBDCs). But the introduction of CBDCs poses a number of problems: what are the advantages of this new adoption, and what are the issues and impacts on households, banks and the economy in general, especially with virtually no regulation. Through this research paper we will try to answer these questions and take a closer look at all the issues surrounding the adoption of these new currencies issued by central banks.

This research employs the utilization of program 86 broadcasts, accessible on the popular online video-sharing platform Youtube, specifically on the channel named @86CustomProtectionNET, as a means to explore the strategic implementation of branding by the Indonesian National Police (Polri). In order to enhance the public’s perception of the esteemed Polri institution and restore the confidence of the populace, NET-TV has ingeniously devised Program 86. The present study employs a data collection methodology that encompasses observation and documentation techniques. The chosen research methodology is qualitative in nature, specifically utilizing a qualitative descriptive and content analysis approach. The latest and most popular videos from @86CustomProtectionNET’s YouTube channel were chosen for data collecting. This study analyzes broadcast content and viewer responses. The video under analysis was released on March 17, 2023, and has 1,292,731 views. The present study examines the content disseminated on the @86CustomProtectionNET Youtube channel, focusing on the videos showcasing the professionalism of the National Police in addressing a wide range of criminal activities, including drug offenses, assaults, brawls, wild racing, poor driving habits, and natural disasters. The 86 broadcast program represents a strategic public relations maneuver aimed at cultivating public trust and garnering support through the demonstration of adeptness.

Technologies for creating immersive and engaging customer experiences using virtual reality (VR) have emerged as a potential new sector in marketing. This study report offers a thorough methodology and analysis to maximize VR's marketing potential. The article's introduction explains VR, its essential components, and the various VR technologies and devices available today. The use of VR in marketing is then explored, with successful case studies, problems, and limits highlighted. The framework for using VR in marketing provides guidance on establishing precise marketing goals, building immersive experiences, integrating VR with other channels, using user-generated content, and assessing the success of campaigns. The production of VR content, user engagement, accessibility, and cooperation with VR developers are all covered, along with best practices and suggestions. This research examines consumer feedback and engagement indicators concerning the efficacy of VR marketing initiatives. In VR marketing, possible challenges and chances for innovation are also examined. In conclusion, this article emphasizes how virtual reality (VR) has the potential to transform marketing tactics by producing fresh and engaging customer experiences.

The financial sphere has been experiencing an acceleration of technological innovations for years. In the medium and long term, the landscape of financial products and services is expected to change, notably due to new trends such as digitalization, big data, Blockchain, and crypto-assets. Disruption will affect financial products and services and disturb the various operators’ value chains and business models.

This study focused on determining guidelines for the implementation of a logistics management system that benefits the profitability of restaurant businesses. A descriptive methodology combining qualitative and quantitative approaches was used, including interviews and surveys with 22 key restaurant employees. The results reveal the success of the implemented logistics strategy, which has led to an accurate allocation of resources and a solid financial performance, reducing fixed costs and increasing long-term operating profit. In addition, the research shows that a lack of knowledge among employees about their responsibilities affects the efficiency of process execution. This highlights the importance of human capital knowledge in promoting innovation and business success. The study promotes a deeper understanding of how the composition of human capital and the management of logistics tools can positively influence labour productivity. The results provide valuable information for managers by suggesting that adjusting logistics management strategies based on human capital can improve the efficiency and quality of logistics processes, which in turn can increase profitability and competitiveness in the market. It is concluded that the implementation of quality management systems in gastronomic companies is highly beneficial, as it optimises resources, increases profitability and improves relations with customers, employees and suppliers.

To assess the Mediating Role of Job Satisfaction between Leadership Style and of Academic A structured questionnaire method was used to collect data from 639 teachers, and the data was collected by using a convenient sampling method. A sample of 15 private colleges was chosen as a sample. While the selection of these 15 colleges, certain criteria like quality of education, long existence, popularity among people, and strength was considered. It is applied to each latent variable, and the square root of each latent variable is found. The correlation between the latent variables must be greater than DV. In this data, there is evidence of moderation mediation. As a result, colleges are advised to implement the leadership style and increase job satisfaction (JS) to improve academic staff performance (PAS) and reduce teacher and student migration.

The majority of the workforce in the healthcare industry is women, but still, a small percentage of them hold leadership positions in the industry. This study aimed to discover the challenges women in the healthcare industry go through that prevent them from obtaining successful leadership positions. A descriptive design was used to carry out the study. The study’s results revealed that the main challenges women professionals in the healthcare field in Saudi Arabia relate mostly to work-life balance, working conditions, career advancement, and distributive justice, as the majority indicated that they experience different levels of hurt when it comes to the four areas. The study also revealed that although not many, some of the women still encounter challenges when it comes to social support and the existence of role models. Few indicated they experienced difficulties when it came to family support. The results of this study are significant to healthcare organizations and policymakers as they provide insights on areas they still need to work on so as to create policies that can promote women’s equality and empower them.

Exploring the Effect of Destination Image and Social Responsibility on Tourists’ Revisitation Intentions in the Post-Covid-19 Era, with perceived health risk as a moderating factor. Research take place in five super priority destinations in Indonesia. It adopts a descriptive research design with a quantitative approach, gathering primary data through the distribution of questionnaires. This research involved 234 members of the community tourism group (Generasi Pesona Indonesia/GenPI). The methods used for data analysis include descriptive analysis and Partial Least Squares (PLS) analysis, with a significance level set at 5%. The research outcomes reveal the following: (a) The social responsibility of a destination exerts a noteworthy and beneficial influence on tourists’ intentions to revisit, (b) The image of a destination exerts a substantial influence on tourists’ intentions to revisit, (c) The perceived health risk does not act as a moderating factor in the connection among destination social responsibility and tourists’ intention to revisit, (d) The perceived health risk does indeed moderate the influence of the destination’s image on tourists’ intention to revisit, with this moderating effect being negative in nature.

The retail business in Saudi Arabia, especially online retail, has increased its demand for additional research on service quality (SQ), customer satisfaction, and loyalty. As a result, the current study had two objectives. The first was to comprehend retail customers’ attitudes toward SQ, customer satisfaction, and customer loyalty while the second was to investigate the fundamental process underpinning retail customer satisfaction and loyalty. To that end, the current study used a positivist research methodology, a deductive approach, and a quantitative method. Data were collected using a validated questionnaire distributed online among retail customers. Descriptive and inferential statistics were used to assess 150 valid responses. Descriptive statistics-cross tabulation was utilized to ascertain retail consumers’ attitudes about customer satisfaction, SQ, and loyalty. SmartPLS 3.0 was utilised to investigate the hypothesised effects. This study found no differences in customer attitudes in terms of customer satisfaction, customer loyalty, and SQ. This research insinuates that Saudi Arabian retailers can develop the same strategy for different demographic groups. The study also discovered the mediating effect of Saudi retail customer satisfaction in the relationship between SQ and customer loyalty. Based on this research, Saudi Arabian consumers value responsiveness and dependability more than the outer appearance of retail enterprises. According to the results, Saudi Arabian retailers should focus more on SQ components to increase customer satisfaction, which will increase consumer loyalty.

This study delves into the in-depth analysis of the relationship between quality management principles (QMPs) and organizational ambidexterity, specifically focusing on exploitative and explorative innovations. Through interviews conducted with key personnel in senior and middle-level management, the impact of various QMPs on these two forms of innovation was examined. The findings revealed several significant insights. First, customer focus and people engagement were identified as contributors to both forms of innovation, with a stronger influence on exploitative innovation. However, they can lead to the identification of new needs and subsequently drive explorative innovation when customer focus has an emphasis in customer behavior, not feedback, and people engagement when employees are empowered adequately to take risks in trying new things. Second, leadership and relationship management were found to play a critical role in both exploitative and explorative innovations. Lastly, process approach, improvement, and evidence-based decision making were found to primarily contribute to exploitative innovation rather than explorative innovation. These findings are significant for business leaders, particularly in the context of Saudi Vision 2030 and the objective of unlocking the potential of non-oil sectors. By understanding the specific impact of QMPs on organizational ambidexterity, leaders can contribute to the realization of strategic objectives and explore prospects by leveraging existing resources and identifying new avenues. Overall, this research enhances the understanding of the relationship between QMPs and organizational ambidexterity. It provides insights into the influence of each principle on both exploitative and explorative innovations, offering valuable knowledge for practitioners and contributing to the existing body of research in the field.

The operational effectiveness of a microfinance institution (MFI) significantly impacts its sustainability. The aim of this research is to undertake an assessment of comparisons of the operational effectiveness of a nonprofit and commercial MFI. The aim is to extract valuable insights from the best practices employed by these institutions. To accomplish this goal, two prominent MFIs have been chosen for analysis. The first is Grameen Bank (Bangladesh), which serves as a representative of commercial micro-finance. The second is Akhuwat Microfinance in Pakistan, which represents nonprofit microfinance. This study employs a quantitative research methodology, specifically the Data Envelopment Analysis (DEA) technique. The DEA is a widely utilized non-parametric method employed in this research to assess the efficiency of both MFIs for the time frame between 2013 and 2019. Malmquist index assesses efficiency within the context of the DEA technique. The Malmquist efficiency measures can be broken down into two distinct indexes: efficiency change and technical change. The concept of efficiency change can be further subdivided into two sections: pure efficiency and scale efficiency. The two establishments’ annual reports provided the input-output data needed for the efficiency assessment. The results suggest that Akhuwat Microfinance demonstrated inefficiency for the duration of the study, with a waste of 38 percent of its inputs. Except for the year 2018, during which Akhuwat Microfinance achieved 100% efficiency. In contrast, the inefficiency rate of Grameen Bank was significantly lower, standing at a mere 3 percent. This essay is on the experiences of Grameen Bank and Akhuwat Microfinance, with a particular focus on the problems encountered in achieving operational efficiency within communities that lack the requisite skills and training to adapt to these emerging MFIs properly.

The study sought to determine the impact of teamwork as a mediating variable in the dimensions of supply chain strategies in enhancing organizational performance in all its dimensions in Jordanian government hospitals. The proposed model refers to (supply chain strategies) as an independent variable with its sub variables, (enhancing organizational performance) as a dependent variable with its sub variables, and (teamwork) as an intermediary variable. The study used the descriptive, quantitative, and analytical method to match the problem and objectives of the study. The study population consisted of (5) Jordanian government hospitals in Balqa Governorate. The workforce in the supply departments, amounting to (341) individuals, formed the sampling unit for the comprehensive survey approach. In addition, SPSS was used to conduct statistical analysis and evaluate the study assumptions. The results of the study showed a number of results, most notably the presence of a statistically significant effect at the significance level (α < 0.05) of supply chain strategies in enhancing organizational performance in its combined dimensions. The study recommended a number of recommendations, the most important of which are: the necessity of adopting electronic systems and applications for the purposes of supplying medical materials to various internal units and departments to ensure speed of work procedures, speed of completion, and accuracy.

The study aimed to test the impact of institutional governance in its dimensions (rule of law, accountability, transparency, and active participation, decentralization, and decision rationalization) in performance enhancement in its dimensions (work speed, work creativity, and work quality) of Jordanian National Assembly members. The study relied on the quantitative analytical descriptive approach for its suitability with the nature of the problem and the objectives of the study. The study population included the Jordanian National Assembly. As for the sampling unit, the comprehensive survey method was used, which included all members of the Jordanian National Assembly, whose total number is (195) members. SPSS program was used for the purposes of statistical analysis and testing the hypotheses of the study. The study found a number of results and the most is: A positive impact at the level of statistical significance (α ≤ 0.05) of institutional governance in its dimensions in performance enhancement in its dimensions. The study recommended a number of recommendations, the most prominent is: A comprehensive review of the principles, rules and controls of institutional governance governing the Jordanian National Assembly to their duties on defining the constitutional, legal and administrative references, and more granted powers.

Basel III liquidity standards were issued to augment the sustainability of the banking system. Nevertheless, it is imperative to comprehend the implications of these standards on other significant facets of the banking industry. Hence, this research aimed at identifying the impact of these regulations on the financial intermediation cost of the banking industry of Pakistan. In this research data from seventeen banks have been used for the period 2007 to 2021. A robust fixed effect model has been applied in the study and the robustness of the result is tested by the Driscoll Kraay covariance estimator and two-step difference generalized method of moments (GMM). Results show a significant negative impact of the liquidity coverage ratio and an insignificant impact of the net stable funding ratio on the banking cost of financial intermediation in Pakistan. These results highlight the potential unintended consequences of liquidity regulations on bank costs. Increased demand for high-quality liquid assets may lead to higher asset prices, which could further impact banks’ cost of intermediation. Thus, policymakers should carefully monitor this trend to ensure that it does not result in market distortions or negative consequences for banking costs.

To examine the factors influencing the green purchasing behaviour of employed Malaysians, this study collected data from 330 employed Malaysians and analysed it using a quantitative research approach and the Smart PLS4 partial least squares model consistent with the TPB theory. GPI and GPT had a positive impact on GPB, while GPA and PBC had a negative impact. GPI mediates the relationships between GPT, GPA, PBC, and GPB. This study can be utilised to promote environmentally conscious consumption and as a resource for government and business decisions regarding environmentally conscious consumption.

This paper endeavors to investigate the factors influencing the measurement of financial inclusion extent. It focuses on creating a comprehensive index to assess the impact of multi-dimensional variables, with specific reference to Guangxi, China. The financial inclusion index, along with its sub-indices, encompassing permeability (IFI1), availability (IFI2), and utility (IFI3) of financial services, were computed using the coefficient of variation and Euclidean distance methodologies. The coefficient of variation was employed to determine the weight of each indicator, denoted as Wi which represents the relative importance of each indicator in the overall assessment of financial inclusion. When considering multiple dimensions (n dimensions), these weights are used to compute values in an n-dimensional space, allowing for a comprehensive evaluation of financial inclusion within a region using a principal components approach. Highlighting significant disparities in financial inclusion among different regions in Guangxi, its IFI1 recorded a mean of 0.132 bounded by a minimum of 0.032 and a maximum of 0.549. While IFI2 recorded an average value of 0.092 comprising per capita deposit balance and loan balance of financial institutions. IFI3, which relates to the end of year percentage of deposit balance in GDP and of loan balance in GDP, has an average value of 0.089. Across all three dimensions, there is a notable disparity between the minimum and maximum values, signifying an imbalanced distribution of financial resources and services. Among these three dimensions, IFI2 exhibits a higher standard deviation, suggesting marked variations in balances between deposit and loan, emphasizing the need to adjust lending thresholds to meet the diverse demands in the financial market.

The economic recovery program determines the vectors for mobilizing domestic reinvestment potential. It is aimed at promoting dialogue between the public and private sectors, involving interested parties, providing technical assistance for the implementation of large-scale reforms, and protecting the interests of international donors, companies, local and industry associations. Financing is the attraction of money for further investments, investment is the placement of already accumulated money, and reinvestment is an additional investment at the expense of income received from previous investments into the economy. The advantage of reinvestment is the possibility of concentrating investments on the restoration, modernization, or greening of one object.The recovery of economies after wars and military conflicts must take into account the requirements of international regulators and crisis cycles. In Ukraine, the model of economic recovery and development requires the implementation of the nineteen structural beacons of the cooperation program with the IMF. In the conditions of crisis phenomena (martial law), increasing responsibility and trust between the state, local self-government, and citizens takes place by concluding a social contract.The state should apply a parametric approach, that is, determine the policy, general framework, and requirements. The effectiveness of reinvestment depends on the development of an algorithm for the distribution of general funding between sectors of the economy and strategic recovery programs. In 2023, the Government identified support for the economy, critical and social infrastructure, housing, energy, as well as humanitarian demining as priority areas of transformation.

Upon careful examination of organizations’ operations on the market it becomes evident that conventional approaches do not ensure triumph. The consideration of the interests of diverse stakeholder groups inside a corporation is a crucial factor in influencing its overall reputation. The formulation of a Corporate Social Responsibility (CSR) strategy is predicated upon the company’s engagement in communication with its external environment. The significance of the approach is evidenced by the European Commission’s initiative to provide a comprehensive definition of CSR.The main objective of this study is to examine the impact of chosen CSR initiatives on consumers’ willingness to buy and recommend given brand. This will be achieved by determining the degree of respondents’ awareness of sustainable business practices, as well as identifying the key activities that are most significant in alerting the brand within the framework of responsible strategies.The survey was administered to adult individuals from Poland, adhering to the principles of the CAWI approach. A proprietary survey questionnaire was used for the study, which addressed the issues under investigation.

Financial education is fundamental to people’s lives, but unfortunately, we are faced with the reality that there is little interest among university students in financial education for financial awareness and personal leadership. Financial education is a means to achieve social development, which includes proper management of personal finances; learning to save, to take out insurance and to know how to use investment instruments. The aim of this research is to show what has been written in the scientific literature on financial education in university students, between 2019 and 2023. The Prism Method was applied, using keywords such as financial education, university students, banks, and personal finance; 20 research articles were obtained from the Science Direct, Scopus, Ebsco and Proquest databases. The results showed that the countries where most research was published were the United States, Italy, and Brazil; the most used database was Science Direct, and the year in which most research was published was 2022. On the other hand, it is evident that financial education can be useful for better money management, diversifying savings, managing debts, knowing the services that banks can offer to increase the economy in a safe way. It is concluded that financial education allows university students to increase their savings with less risk, avoids loans that are difficult to repay, allows them to reflect on their expenses and improves the control of their monthly income.

As the UAE attempts to transition into a knowledge-based economy, it is important to understand how human resources need to be developed in order for this transition to be successful. As a result, we investigate the dynamics of the UAE’s human resources with a particular focus on its determinants. In this study, we use an annual data that ranges from 1975 to 2017 and all the data were obtained from the World Development Indicators (WDI) and the United Arab Emirates. In order to assess empirically, the dynamics of the HRD of the UAE, we used the ARDL bounds test to co-integration. This methodology offers several advantages compared to other co-integration methods found in the literature, which is why we have opted for its use. Based on the ARDL bounds test, all equations estimated in this study, with one exception, showed co-integration relationship between all the variables studied. The short run results show that almost all of the variables have a positive impact on the HRD of the UAE, which confirms the findings of the long run. Consequently, we can say with absolute certainty that the variables we chose for this investigation appear to move together over time. Based on the findings of this study, a main policy recommendation for enhancing HRD in the UAE is first by promoting innovation and fostering a culture of innovation coupled with invest in Smart Governance since building a more efficient and technology-driven government is essential.

Public service motivation is crucial in the public sector and nonprofit organizations because it ensures that individuals working in these sectors are dedicated to the public good, ethical in their actions, and committed to improving society. This paper aims to show integrative literature links between public service motivation and intention to stay through the mediation of job satisfaction and commitment. Based on the literature, this paper provides considerable evidence that public service motivation (PSM) predicts job satisfaction and intention to stay. This paper specifically focuses on the factors behind the motivation of public service employees and the determinants of the intention to stay. Finally, this paper suggests a research direction for further investigation on PSM and how intention to stay can be predicted based on other variables such as organizational commitment and perceived opportunities for career advancement. Additionally, it highlights the importance of understanding the role of PSM in fostering a sense of purpose and fulfilment among public service employees, which in turn can contribute to their intention to stay in the organization.

The aim of the present study is to determine the impact of COVID-19 shocks, policy responses, business adaptability on the performance on Saudi Micro, Small, and Medium-Sized Enterprises. A quantitative approach was adopted using an online questionnaire survey from 380 MSMEs in Saudi Arabia. To accomplish the research aims, this study conducted a quantitative analysis of the data using structural equation modelling with partial least squares (PLS-SEM). The findings show that policy response is the sole significant predictor of business adaptability, whereas management/operational side shocks, demand side shocks, and supply side shocks have no significant effect on business adaptability. The findings further indicate that both management/operational and demand side shocks have a significant effect on financial performance, while policy responses and supply-side shocks have no discernible effect on financial performance. Only demand side shocks have a considerable impact on non-financial performance. However, policy response, management/operational side shocks, and supply side shocks all have a negligible effect on non-financial performance. In general, the findings of this study will assist the Saudi government and other policymakers in determining which types of MSME are most vulnerable and their expectations for assistance in coping with present and future problems created by the COVID-19 epidemic.

This systematic review delves into the significance of incremental innovations in Small and Medium-Sized Enterprises (SMEs). SMEs are vital drivers of economic growth, and incremental innovation plays a pivotal role in their development. Incremental innovations, characterized by small, gradual improvements to existing products and processes, are found to be instrumental in the growth and sustainability of SMEs. Despite their importance, there has been limited research on these innovations. Through a comprehensive analysis of relevant studies, this review investigates the types, determinants, outcomes, and challenges of incremental innovations in SMEs. This article identifies avenues for future research on incremental innovation in SMEs, focusing on management challenges, knowledge management strategies, external factors, and the relationship with other organizational processes. It aims to provide actionable insights for researchers, managers, and policymakers to promote incremental innovation in SMEs, contributing to knowledge on innovation in the SME context and fostering economic growth.

While global progress on extreme poverty eradication has been made, this has been highly uneven globally and particularly in Africa where a significant proportion of the population continues to live in abject poverty. Although, many of the countries have embarked on various policies for driven small businesses and motivating entrepreneurship for poverty reduction, setbacks are a direct consequence of the neglect of people and their IK typified by their local cultural values, beliefs, tradition and religion for wealth creation, empowerment, and poverty reduction agenda. This paper, using qualitative data and analysis, explores the propensity of IK utilization as a new thinking in entrepreneurship development for enhanced entrepreneurial capabilities building and skills acquisition for sustainable poverty alleviation program and economic development. It concludes that IK provides substantial prospect for improving people’s innovative and commercial skills, and building exciting indigenous-led economies that strengthen viable entrepreneurship, trade, and commercial improvement as well as economic independence. This approach, facilitated through effective governance structure and legal framework, will impact poverty alleviation programs/agenda and reduce poverty incidences. The work remains a novel consequent on less attention given to research on IK, indigenous entrepreneurship practice and poverty alleviation, and economic development in Africa.

This research explores the diffusion of Chief Marketing Officer (CMO) positions in top management teams (TMTs) of modern organizations. Using institutional theory and through several propositions, it posits that memetic isomorphism plays a significant role in the evolution of CMO roles in TMTs. It studies various internal and external contingencies that promote or undermine the diffusion (mimicry and not mimicry) of CMO positions. These contingencies include market dynamism, R&D intensity, differentiation, concentration, diversification, growth, and TMT size. By studying how CMO positions evolve, this research will substantially contribute to marketing leadership, business strategy, and TMT literature, and it will improve our understanding of the CMO role as a signal of marketing significance in the firm.

The study is prompted by the assumption that ecologically responsible beauty products are no longer necessary and helpful things to purchase, but they can raise awareness about environmental stewardship. Women, being the primary users of environmentally friendly beauty products on several fronts, are aware of the cost of environmentally friendly beauty products. On the other hand, the usage of social media as a marketing tool might influence the choice to buy these products. A quantitative technique is used in this investigation. This study included a total of 136 women from Jakarta as participants. SEM-PLS modeling with SmartPLS 4.0 is used for data analysis. Surprisingly, the findings of this study show that, in general, social media marketing has a significant influence in shaping purchasing intentions, subjective standards, and product knowledge. This, however, does not apply to the development of price awareness. Furthermore, the findings of this study show that women’s perceptions of being able to make a good contribution to the environment are a key predictor of their decision to purchase environmentally friendly beauty products. The limitations of this study are the use of genders, specifically women, as participants and the usage of ecologically friendly cosmetic items, which are often not subject to precise product standards. As a result, future study might investigate including these two features.

This study determined the moderating role of self-confidence bias in conservatism among the investors in Malaysian Stock Market. Data that were collected from individual investors who are aged 18 years and above in the central region such as Melaka, Selangor, and W.P Kuala Lumpur were analysed using the Partial Least Squares Structural Equation Modelling (PLS-SEM). Interestingly, conservatism becomes an important factor in trading behaviour of investors for retirement planning when it is moderated by self-confidence bias. Investors who have weak self-confidence bias when following others in making investment decisions for retirement become more risk averse than investors who have stronger self-confidence bias. Additionally, individuals who are often highly optimistic are more susceptible to conservatism that predispose them to assume a higher level of risk than those who have a weaker self-confidence bias. As trading in stock market is inevitable when making investment decision, self-confidence bias affecting the mental health of investors needs to be harnessed for better retirement planning outcomes. Thus, the policy makers must try to inculcate self-confidence among investors by constructing conducive policy and environment to enhance the efficiency of the stock market.

The Kingdom of Saudi Arabia (KSA) seeks to diversify the economy from oil-dependent having realized the unsustainable nature of this resource to economic development in years to come. These warrants given attention to MSMEs in contributing to GDP as stated in the country’s Vision 2030. Innovation has become a good channel through which firms drive their own performance which hitherto led to economic growth. This study investigates the level of innovation and the influence of innovation types on business performance of MSMEs in the Eastern province of KSA. The outcome indicates that innovation is at the medium level among the MSMEs and multinomial regression result reveals that while process and organizational innovations are significant in influencing performance, product and marketing are not significant. Furthermore, R&D, age and size of enterprises significantly influence the business performance. Government should create better support to motivate firms to continuously engage in research and innovation.

This paper investigates the effectiveness of innovative pedagogical methods in entrepreneurship education within the United Arab Emirates (UAE). It delves into the roles of experiential learning in fostering an entrepreneurial mindset, empowering marginalized groups, particularly women, and enhancing human capital development. The findings aim to contribute to the broader discourse on entrepreneurship education, highlighting its impact on socio-economic inclusivity and innovation-driven entrepreneurship. Entrepreneurship education has gained immense attention in recent years as a critical tool for economic development and innovation. The United Arab Emirates, with its vision for a diversified and knowledge-based economy, has recognized the pivotal role of entrepreneurship in achieving these goals. Consequently, it has invested heavily in entrepreneurship education programs. This paper investigates the effectiveness of innovative pedagogical methods in enhancing the impact of these programs.

In this study, the association between ownership structure (OS) and the quality of CSERD is examined with industry type as a moderator variable in Malaysian public listed companies (PLCs)’ annual reports. Only two of the four variables, government ownership and foreign ownership, are found to be positively associated with the quality of CSERD by this study's findings. There is a significant association between managerial ownership and the quality of CSERD, it is important to note that this relationship is inverse in nature. While Bumiputera Muslim ownership is found to be insignificant. This study also confirmed that the industry type variable moderates the relationship for two of the variables namely government ownership and Bumiputera Muslim ownership.

Recent studies appear to highlight the urgency of green entrepreneurship in sustainable economic development. However, not many studies have explored the formation of green entrepreneurship, including the factors that influence the success of women entrepreneurs to join green entrepreneurship. Therefore, this review aims to enrich the current literature on the factors that influence the success of women entrepreneurs in joining green entrepreneurship. This study uses bibliometric analysis with Publish or Perish software as the database. A total of 31 articles from 2002–2023 were reviewed. The results showed that micro factors related to work behavior, meso factors related to organizational support, and macro factors with government policies and regulations affect the success of women entrepreneurs in entering into environmentally friendly businesses.

The article deals with the problem of insurance coverage in Ukraine in conditions of martial law. The research outlines the views of scholars on the essence of the concept of ‘insurance protection’ and highlights the main aspects of this category. The importance of social aspects of insurance protection in wartime is clearly explained; the current state of insurance market in Ukraine is thoroughly analyzed. It is determined that the largest decline in the volume of insurance companies’ activities occurred at the end of Q1 of 2022. In Q3 and Q4, the decline continued although it was less rapid. In the conditions of a significant economic downturn, the insurance market underwent considerable transformations: sales of insurance products declined; the number of requests for deferred payments and termination of insurance contracts increased. Due to these facts the financial stability and solvency of a significant number of insurance companies deteriorated, and non-resident reinsurers began to refuse to provide reinsurance coverage. In the first half of 2023, the insurance market showed a slight recovery. This was facilitated by introducing new insurance products that provided partial coverage of war risks. The article analyses insurance products that cover war risks. It is determined that such insurance products have many limitations due to the difficulty in assessing possible losses of an insurance company, their inability to calculate the cost of insurance premiums, a significant level of losses, and the lack of reinsurance of war risks abroad. The authors suggest strategic and operational measures to stabilize the insurance market of Ukraine, which will not only contribute to the overall stabilization of insurance market, but will also significantly increase its sustainability and improve its development indicators.

This study delves into the relationship between interactive marketing dimensions and public satisfaction with services provided by social institutions, with a focus on the Ministry of Community Development in the UAE. Employing a survey methodology, a random sample (250) representing beneficiaries of the Ministry’s services was surveyed. The findings indicate that most respondents exhibited a high level of engagement with interactive marketing dimensions, predominantly falling within the high-to-medium range. Notably, there was a positive trend among beneficiaries who interacted with the Ministry’s website. A high degree of satisfaction with the services offered through the Ministry’s website was reported. Our findings confirmed the hypothesis that a statistically significant correlation exists between interactive marketing dimensions and the degree of satisfaction with services provided by the Ministry of Community Development in the UAE. These findings underscore the importance of effective interactive marketing strategies in enhancing service satisfaction within the realm of social institutions. Additionally, they acknowledge the influence of demographic variables on satisfaction levels, offering practical insights for optimizing service delivery and engagement strategies.

In recent years, the development of low-emission public urban transport in Europe has become one of the main priorities of many cities. It is assumed that urban transport is one of the largest sources of air pollution emissions, therefore the development of more ecological transport methods is necessary to protect the environment and the health of residents. Many European cities have introduced various measures to increase the share of low-emission public transport. One of the most important is the development of tram and metro networks. Trams and metros are more ecological than cars because they do not emit air pollutants while driving. In addition, many cities use hybrid or electric technology for city buses, which reduces emissions of carbon dioxide and other harmful chemicals. Measures such as emission zones and city center congestion charges for combustion engine vehicles are also effective in reducing air pollution. Some cities have also introduced bicycle rental programs that encourage residents to move around the city using more ecological methods of transport.As part of EU policy, many cities receive subsidies for the development of low-emission public transport. The European Union is putting effort into promoting greener transport, both by financing projects and setting standards for reducing emissions of harmful substances by means of transport.The lessons learned from the development of low-emission public urban transport in Europe are very beneficial for environmental protection. The positive effects include reducing air pollution emissions, reducing road congestion and improving the health of residents. Therefore, continued investment and the development of ecological transport methods are necessary for the sustainable development of cities.

Energy resources play a crucial role in the global economy, serving as a linchpin for development and sustainability. This article studies the dynamics of revenue generation related to the export of energy resources within selected national economies. Using a methodological approach grounded in dynamics analysis and statistical time series, the study examines the temporal evolution of export revenues associated with crude oil and natural gas. The literature review explores factors that influence export revenues, including the quality of exported products and the effects of diversification on energy demand. The study focusses on ten countries with the highest levels of crude oil and natural gas exports, employing dynamics analysis to uncover trends in revenue generation. The discussion of the results considers broader issues such as climate change, energy security, and the impact of the COVID-19 crisis. The findings underscore the risks associated with dependence on fossil fuel exports, highlighting the need for diversification and sustainable strategies to navigate evolving global energy dynamics. In conclusion, the study provides valuable information on the complex interplay between energy exports and economic trends. The findings contribute to ongoing discussions on the challenges and risks associated with fossil fuel dependence and the need for sustainable economic practices.

The aim of this study is to examine the correlation between strategic awareness and organizational excellence, as well as the relationship between strategic improvisation and organizational excellence. Additionally, the study aims to determine the mediating effect of strategic improvisation on the relationship between strategic awareness and organizational excellence. The research focuses on Anbar's General Company for Copper in Iraq, to achieve this, a research model and hypotheses have been developed based on three theories: the Resource-based view (RBV), contingency theory, and The upper echelons theory, a field study was conducted using the survey method, with a total of 3971 owners and managers. Data collected from 250 managers were analyzed using correlation and regression analysis with the Structural Equation Model (SEM), the analysis was performed using SPSS and AMOS software packages. The results of the study revealed that strategic improvisation has a partial mediating effect on the relationship between strategic awareness and organizational excellence. These findings suggest that Anbar's General Company for Copper can gain a competitive advantage by improving their market-driven strategic improvisation.

It is established that resolving nearly all key problems of the agro-industrial complex functioning as well as searching for opportunities to raise the population’s standard of living are aimed at providing the population with food. It is proved that food security is of special significance in the life support of society, since availability of food is fundamental for human life. The characteristic features of food security in the current conditions are revealed. It is substantiated that self-sufficiency, independence, accessibility and quality are paramount for the process of shaping the state policy of food security. Among all the principles, the principle of self-sufficiency have been identified as that of ultimate importance, as it provides for the agro-industrial complex development and enables meeting the needs of the majority of population for foodstuff at the expense of domestic production. It is also justified that the agriculture and food industry are a system-forming center in ensuring food security.Europe plays an important role in addressing the issue of food security. The countries of the European Union and Ukraine occupy leading positions in food exports. Since Ukraine is a country with a developed agricultural sector, one of the leaders in this industry’s development globally, it should be among the countries responsible for solving foodstuff issues. It is noted that throughout the history of statehood, the problem of stable food supply to the population has been among the most important ones as it affects national security. There are different ways of combating food security problems by states. The article examines support for sustainable economic development, given the provision of food security based on self-sufficiency. The authors put forward the suggestions with regard to formation of the main directions for achieving food security on the basis of the principles of sustainable economic development.

This research aimed to comprehend how happiness at work (HW) and work-life balance (WLB) impacted employee citizenship behaviours in the oil and gas sector of the United Arab Emirates (UAE). Using a self-administered questionnaire, data were gathered from employees of oil and gas companies in the UAE. Three hundred and fifty-five questionnaires were disseminated, of which 285 questionnaires were employed for statistical analysis. The findings signalled that happiness at work and work-life balance significantly predicted employee citizenship behaviours. The findings offer oil and gas policymakers insights into how HW and WLB can support employee citizenship behaviours. The study will aid in developing policies to promote an organisation's adoption of happiness at work and work-life balance practices by expanding knowledge about how these practices may contribute to efficient citizenship behaviours. This study is novel for two main reasons. First, this research adds to the HRM literature and organisational behaviour literature in general. Second, it adds to the scant literature concerning happiness at work practices in the oil and gas sector in general and in the context of the GCC region.

The paper provides overview of the financial technologies (FinTech) sector and addresses some legal vulnerabilities of this emerging segment of the global economy. Complicated nature of the FinTech sector is explained – from mobile payment applications to complex blockchain networks containing encrypted transactions. Aside from numerous advantages of the FinTech services, issues related to fraudulent practices in this sector of economy are discussed at length. In particular, it is argued, with reference to the two major Ponzi schemes of the past, that financial pyramids are types of illegal enterprises, which can infiltrate legitimate financial technology industries. Through the lenses of the relevant Ukrainian law and practice, the complicated nature of illegal financial pyramids, in particular the absence of meaningful definition of this type of fraud, proposals are elaborated on how to improve national financial market regulation. Based on research findings, the key idea of the research is formulated: in some cases there is a potential link between modern financial technologies and fraudulent schemes related to financial pyramids. Such disturbing realities should trigger more aggressive legal response by national lawmakers and regulators.

This research is aimed to analyze the alternative of tourism destination development in Borobudur area based on tourist perspective. The result of this research can be the suggestion for the authorities to develop new attractions in Borobudur to support tourism development after the limitation to go up to the temple. This alternative hopefully can help to spread the crowd in Borobudur area to keep the sustainability of the temple. This is quantitative research with conjoint analysis as its methods. The data was collected by spreading questionnaires to 106 respondents. The questionnaire contains 24 product combinations of accessibility, amenities, accommodations, activities, and ancillary services. The result shows that the most important attribute for respondents is activities. The result also shows that the most preferred combination for the respondents is the combination of using private vehicle, eating local food, staying in a star hotel, doing adventure activity around Menoreh Mountain and without any tour guides.

The study of gastronomy explores diverse cultural elements with food as its focal point of analysis. It encompasses more than just the physiological aspects of food and drink, delving into a regional culinary perspective as a cultural element and an asset crucial for the region's tourism industry development, boosting local income, and enhancing people's well-being. An example of a gastronomic product is the traditional Indonesian eating style known as “Makan Bajamba” from Nagari Jawi-jawi in West Sumatra. This particular cultural eating tradition emphasis on local traditions which involves the empowerment of women through the “bundo kanduang” (a traditional Minangkabau term for a respected woman) and gastronomy. These aspects are integral to a sustainable l iving concept that promotes high-quality and sustainable tourism. Preserving the traditional Indonesian intangible cultural heritage of “Makan Bajamba” necessitates effective governance and the integration of economic, social, cultural, and environmental values. In this study, the authors specifically focused on evaluating how sustainable tourism and gastronomy principles can be applied to the traditional way of Bajamba. This approach highlights the potential for making Bajamba's dining tradition an appealing aspect of sustainable tourism gastronomy activities. This qualitative study utilized a variety of data collection methods, including in-depth interviews, focus group discussions, and field observations. The data analysis approach employed was Narrative Analysis, which involves scrutinizing the stories and narratives provided by the participants, specifically the villagers and stakeholders from Nagari Jawi-jawi. The results of this study highlight the crucial need to increase promotional efforts targeting both national and international tourists, recognizing the potential of developing the Bajamba tradition as a sustainable gastronomy tourist attraction. The findings also stress the importance of a strategic sustainable tourism approach, aiming to maximize the economic benefits and their subsequent positive effects on society. Additionally, active engagement of the younger generation in Bajamba eating activities is emphasized as a critical factor. This involvement is essential for the preservation and continuation of the Bajamba eating tradition, ensuring its endurance as generations evolve and safeguarding it from potential disappearance.

This study analyzed the effect of lifestyle on purchase intention, the effect of halal awareness on purchase intention, the influence of lifestyle on halal awareness, influence of lifestyle on purchase intention through halal. The research method was quantitative. The sample used was 560 respondents, stratified by sex, age, type of work, level of education, and total monthly income. The data collection technique used an online questionnaire distributed via social media on a Likert scale of 1–5. Data analysis used the partial least squares (PLS) model approach with SmartPLS 3.0. The size of the significance of the hypothesis support can be used by comparing t-tables and t- statistics. The hypothesis is accepted if the t-statistic value is higher than the t-table value (t-statistic ≥ 1.96). In the SEM-PLS analysis, two models were used: outer model analysis and inner model analysis. The measurement model (outer model) defined the relationship between each indicator block and its latent variables. The structural model (Inner Model) examined the relationship between the constructs. The findings of this study demonstrate that lifestyle has a positive and significant impact on purchase intention, halal awareness has a positive and significant impact on purchase intention, lifestyle has a positive and significant impact on halal awareness, and lifestyle has a positive and significant impact on purchase intention via halal awareness.

This study evaluates the performance of Kuwaiti Islamic Financial Institutions (KIFIs) between 2000 and 2020 in the light of their conventional counterparts (KCFIs) using their daily stock prices. A causal-comparative research design was utilized to evaluate the performances before, during and after the 2007/08 financial crisis as well as during the COVID-19 pandemic. The study established that there was a statistically significant difference between their mean performances before the crisis. However, it did not establish a statistically significant difference between their performances during and after the crisis as well as during the COVID-19 pandemic. The results suggest that the Islamic indexes are highly screened; thus, becoming very close to socially responsible investment. The study is among the first ones to be conducted in Kuwaiti; hence, bridges a knowledge gap in Kuwaiti.

The article provides recommendations on the choice of analytical tools, the use of which is aimed at optimizing decision-making regarding the adaptation and development of the corporate culture of an international company, taking into account the country of origin factor, sectoral features and specifics of the socio-cultural environment of the countries of presence. Four main factors that shape the need to adapt the corporate culture of an international company to the conditions of the host countries have been identified: national cultural characteristics of the country of origin and the country of base, which are estimated on the basis of the 6-D model, and provide for the calculation of the indicator of the level of cultural distance; internal corporate standards and target orientations of the company, which, together with the industry specifics of the activity, determine the optimal type of corporate culture of the company based on the OCAI method; the form of foreign operations in accordance with the depth of integration into the foreign socio-cultural environment and the intensity of contractual/partnership relations with national entities.

This study aims to ascertain the Impact of COVID-19 on refugees in the host country. A sample consisting of 120 of respondents to collect research data. One inclusion criterion was assumed in this research, which is an idea about refugees’ situation in the hosting country from different dimensions and recommendations that will help the hosting countries of the refugees to provide the best services to control the impact of COVID-19 on them. Research data was gathered using a questionnaire distributed randomly to the respondents. The final number of the questionnaires was 103 with a response rate of 86%. Analyzing data via SPSS, the results indicated that COVID-19 has a direct impact on (Economic, Education, Social life, Health Services, and Services) in Jordan which is the hosting country.