bluuebunny/crossref_metadata_2025 huggingface dataset:
Inadequacy of Consumer Protection from Unfair Contract Terms in Musharakah Mutanaqisah Home Financing In Malaysia
Authors: Ali Syuhaeda Mat , Hassan Rusni , Othman Ahmad Azam
Published: February 2025

Musharakah Mutanaqisah is one of the Islamic home financing products which has gained popular demand from the public in Malaysia. However, the terms and conditions of legal documentation of Musharakah Mutanaqisah Home Financing which were usually prepared by solicitors for Islamic financing institutions (â€œIFIsâ€) may have affected the welfare of consumers  especially when most of the terms and conditions of legal documentations favoured the IFIs. In these circumstances, the consumers have no choice but to abide by the terms stipulated by the IFIs.This paper examines the adequacy of present legislation in Malaysia namely Islamic Financial Services Act 2013, Financial Services Act 2013, Shariah Standard and Guidelines: Prohibited Business Conduct policy, Consumer Protection Act 1999, Consumer Protection (Amendment) Act 2010 and the Contracts Act 1950 relating to unfair terms of contract in Musharakah Mutanaqisah Home Financing. The methodology adopted in this paper is statutory analysis whereby the relevant legislation are analysed. The analysis reveals that the legislation are not sufficient to regulate unfair terms of contract in Musharakah Mutanaqisah Home Financing in Malaysia. To ensure the protection of the consumers in Musharakah Mutanaqisah Home Financing, this paper recommends the present legislation, particularly Consumer Protection Act 1999 and Contracts Act 1950  be reformed.
 Musharakah Mutanaqisah Home Financing, reform, legislation, standard form of contract.
Interest Rate Risk Management and Islamic Banking: Evidence from Malaysia
Authors: Khaliq Ahmad , Mohd Thas Thacker Hassanudin , Allah Pitchay Anwar , Mohd Thas Thacker Mohd Asmy
Published: February 2025

The fluctuation of interest rate in the market has let the Islamic banks becoming more cautious and taking a step ahead in managing good risk management practices. This is an important element when a country adapts a dual banking system. The interest rate is obviously prohibited in Islam; however, it does not mean that the Islamic banks will not encounter any risk due to the interest rate fluctuation in the market. This is due to the nature of the Islamic banking balance sheet where it is fixed on asset side whereas in the conventional banking it looks more flexible to the asset, thus putting the Islamic banks unable to react expeditiously to the fluctuation in market interest rate which later leads to greater exposure to the rate of return risk. Therefore, the present study aims to investigate the effect of the interest rate risk towards the portfolios of the Islamic banks operating in the Malaysia. The quantitative result reveals that the majority of the Islamic banks are exposed to the interest rate risk and it is explained by the financial and economic variables. This study is expected to add value to the existing literature in risk management by proposing policy recommendations and methodological innovation.
Liquidity Risk Management - A Study of Islamic Financial Institutions in Nigeria
Authors: Adewale Tijjani Ridwanlah , Yatoo Nissar Ahmed
Published: February 2025

This paper investigates short run and long run impact of specific determinant factors on liquidity risk of Islamic Financial Institutions in Nigeria. The study employs econometric methods such as unit root tests, Auto Regressive Distributed Lag (ARDL) model and error correction model to deeply investigate the issue. The empirical findings reveal the existence of the cointegration as well as short run and long run causality relationship between the determinant factors and liquidity risk. It was also found that about 83% of the past period liquidity risk deviation are from long-run equilibrium with the determinant factors which restore back in the current period. The research findings support short-long run economic theory and recommend development of regulatory framework as well as establishment of special purpose institutions that would manage short-long run liquidity risk of IFIs.
 
Keywords: Framework, IFIs, short run, long run, ARDL model, Error correction model, liquidity risk, determinant factors.
A Study on the Implementation of Dual Contracts of Tabarru and Tijarah on Shari'ah Insurance Industries in Indonesia
Authors: Irkhami Nafis
Published: February 2025

This article examines the legal issues associated with the application of the dual contract system, tabarruâ€™ and tijÄrah, in sharia insurance industries in Indonesia. This qualitative study used secondary data. It is linked up with clauses and conditions of the contract used by Islamic insurance industries in Indonesia. This method is used for the purpose to examine the legal reasoning regarding the application of the contracts of tabarruâ€™ and tijÄrah in Islamic insurance products. The research approach to the problems is normative-juridical. It is a method employed to figure out the legal problems based on secondary data. This study found that the application of Islamic insurance contracts was not created a separation between the returns obtained from the sectors tabarruâ€™ with tijÄrah. This shows that the dualism of tabarruâ€™ and tijÄrah contracts in sharia insurance in Indonesia is not in line with the basic principles of sharia engagement.
A Waqf Concept Applied in Higher Education: An Exploratory Study on the Practice of the IIUM Endowment Fund
Authors: Mohd Rusli Mohd Firdaus , Adeyemi Adewale Abideen
Published: February 2025

The IIUM Endowment Fund (IEF) plays a vital role in assisting IIUM students financially. The IEF has served the needy in IIUM more than a decade through the application of waqf, as well as other methods, such as zakat, investment and collection campaigns. In particular, IIUM students face financial difficulty regarding the payment of tuition fees and living expenses, whilst studying at the university. The IEF is very much focused on increasing its collections each year. Based on the waqf concept applied by IEF, this paper will explore how this concept contributes in facilitating the IEF in its fund collections.
A Case for a Shari'ah Compliant Alternate Credit System to Facilitate Working Capital Management for Micro, Small and Medium Enterprises in Malaysia
Authors: Raheem Mohamed Mahees , Meera Ahamed Kameel Mydin
Published: February 2025

Studies and statistics have shown that micro, small and medium enterprises (MSMEs) enhance competition through economy-wide entrepreneurship, encouraging innovation and improving efficiency as their industries grow. In an increasingly globalized marketplace, it is important for Malaysian MSMEs to remain competitive in order to survive. Due to their size, they face many problems with regards to business operations. One of the main problems is access to financing for working capital management. This paper seeks to identify the main problems faced by Malaysian MSMEs in raising finance to meet their working capital requirements in their business operations, and also delve into the concept of trade credit and its employment in MSME business practices. Finally, the elements of an alternative strategy of working capital management will be proposed and discussed for the betterment of the MSMEs in Malaysia.
Will It Survive? Challenges Faced by Islamic Banking and Finance in Today's World
Authors: Jan Muhammad Tahir
Published: February 2025

Despite the significant accomplishments made by Islamic banks over the past decades, there are still some notable issues from a marketing of financial services point of view that require attention in order to strengthen their market position relative to their conventional banking counterparts. Based on a review of extant literature this paper submits that with due recognition of the Islamic banksâ€™ peculiar practical and regulatory milieu, financial products development in its entire ramifications is a sine qua non for continuous but sustainable growth of the Islamic banks. This should be complemented by developing a robust legal structure that enhances operational efficiency without infringing on growth potentials.
Viability of Trade Credit as an Underlying Asset in a Shari'ah Compliant Alternative Credit System
Authors: Raheem Mohamed Mahees , Meera Ahamed Kameel Mydin , Adewale Abideen
Published: February 2025

Trade credit is a form of short term financing that is commonly utilised by firms, especially small and medium enterprises (SMEs) for working capital management purposes. As trade credit is unstructured and is variable and dependent upon each transaction, it makes it a highly illiquid asset/liability. This paper adopts a review of literature in order to identify if trade credit can be monetised and used as a medium of exchange. The advantages that such a system can bring are is manifold, mainly through providing an alternate source of liquidity for cash-strapped firms, boosting employment of resources, and a multiplier effect in terms of income and production. Upon initial analysis into the nature of trade credit, its modus operandi and the Shariâ€™ah principles of bay al-Dayn, this conceptual paper posits that monetization of trade credits into an alternative currency, in accordance to the terms of the trade credit, is indeed possible and viable.
Factors Affecting the Acceptance of Financial Technology among Asnaf for the Distribution of Zakat in Selangor - A Study Using UTAUT
Authors: Muhamad Hasif Yahaya  , Khaliq Ahmad
Published: February 2025

Financial technology or fintech, which is technology-based financial services has become a major role player in enhancing the effectiveness and efficiency of financial services. The financial industry has evolved significantly globally with the impact of technological innovation. For example in Malaysia, the financial institution can offer various services to their customers in facilitating and fulfilling their financial needs. Furthermore, the impact of fintech also had changed the social finance sector such as Zakat Institutions. For example, in Malaysia during the old days people have to go to the counter to pay zakat or to collect the zakat as well. Nevertheless with the help of various technology-based financial services such as online banking, mobile banking and others that are provided by the financial institution, the collection of zakat has been empowered. Contrary to that, in terms of the distribution aspect there are still a lot that can be improved with the help of fintech. Thus, in this study mobile banking will be the focus in improving zakat distribution rate. This study aims to explore factors that could influence asnaf acceptance rate in adopting mobile banking for the distribution of zakat using the UTAUT model. This study consists of empirical data collected from the state of Selangor, Malaysia.
Interest-Free Banking and Finance in Brunei Darussalam: Present Realities and Future Prospects
Authors: Jibrail Bin Yusuf  , Hassan Shakeel Shah  , Mohammad Ayaz  , Jabal Muhammad Buaben
Published: February 2025

Brunei is vigorously pursuing interest-free banking as a governmental project. This study examines the development of this institution in the country highlighting the present experiences, future prospects, and imminent expectations. Islamic banking and finance has superintended a new economic order in Brunei. Although the system is still at its primary stages, it has been successful and holds good prospects due to political cooperation. Political-will is basic to the fruitful implementation of a new economic order and the efficient Islamization process in Brunei facilitated the establishment of sound socio-cultural and economic foundations. This has vigorously promoted the essential values of Islam. Nonetheless, the â€˜callâ€™ for economic diversification has some implications for this institution in the country because diversification invariably exposes an economy to international interest and, more importantly, empowers the private sector. These come with the likelihood for promoting interest-based banking and financial practices. This study, therefore, concludes that Islamic banking has been very successful in Brunei but it still remains vulnerable to non-political future challenges subject mainly to the economic fortunes of the petro-dollar.
Potential Development of SRI Sukuk Models for Higher Learning Institutions in Malaysia based on Wakalah and Waqf
Authors: Engku Rabiah Adawiah Engku Ali  , Syed Marwan Mujahid Syed Azman  , Nor Razinah Mohd Zain  , Rusni Hassan  , Salina Kassim
Published: February 2025

Funding for Higher Learning Institutions (HLIs) in Malaysia has become increasingly constrained as the government faces increasing costs and global economic slowdown. Central to this issue is the challenge to raise the funds needed to sustain HLIsâ€™ operations and development. It has therefore become a necessity for HLIs to come up with innovative ways to raise funds and move towards to becoming more self-sustainable. Malaysia can possibly learn from HLIs in the UK, US, and Australia where universities have managed to obtain funds through the capital market by issuing bonds. This paper focuses on exploring alternative financing modes for HLIs through Socially Responsible Investment (SRI) sukuk and Social Impact Bonds (SIBs). The methods utilized in this study are critical review of literature, case study analyses and interview sessions with experts. This study recommends two SRI sukuk models: firstly, in the situation where the proceeds are used for income-generating activities, sukuk based on wakalah is proposed; while secondly for non-income generating activities, a cash-waqf sukuk with temporary and permanent features is suggested. In term of the structure of the sukuk, the returns and repayments of both sukuk are dependent on key performance indicators (KPIs) being achieved. In both cases, it is recommended that the sukuk be issued by a consortium consisting of a number of different universities in order to lower the cost of issuance and fund management, as well as efficiently utilizing resources. It is also recommended that the sukuk is guaranteed by a third party, preferably by the government.
Macroeconomic Impacts on Sukuk Performance in Indonesia: Co-integration and Vector Error Correction Model Approach
Authors: Siti Aisiyah Suciningtias
Published: February 2025

The performance of Islamic bonds or sukuk can be influenced by many factors, internal and external. This study aims to analyze the long and short-term effects of macroeconomic variables such as BI rate (benchmark interest rate), inflation, exchange rate, changes in world gold prices and world oil prices on the performance of sukuk in Indonesia for the period from 2014 to 2017. This study employed the co-integration test to examine the long-term relationship among variables. The Vector Error Correction Model (VECM) model was used in the analysis because the results of the stationary test obtained stationary data at first difference and have long-term co-integration. The results show that the long-term change in sukuk return in Indonesia is influenced by changes in exchange rates, inflation and changes in world gold prices. While in the short term, performance of sukuk is influenced by the previous performance (one and two months), BI rate, exchange rates and world gold prices. Crude oil prices has no significant effect on sukuk performance both in the long and short term.
Malaysian Consumer Intention toward Takaful Scheme for Mental Health Disorders: A Preliminary Findings using Multiple Regression Analysis
Authors: Kamarubahrin Aimi Fadzirul , Khairi Khairil Faizal , Laili Nur Hidayah
Published: February 2025

Mental health disorders are predicted to become the next health concern after heart disease impacting the Malaysians by year 2020. It was reported that one in five teenagers felt depressed, two out of five felt anxious, 11.2% felt suicidal and 10.1% attempted suicide. These statistics are extremely alarming and there is an urge for the Islamic wealth protection operators to introduce a takaful scheme that covers mental health treatment in Malaysia. This paper investigates the factors influencing the Malaysians consumersâ€™ intention towards the takaful scheme for mental health disorders. An applied expanded Theory of Reasoned Action (TRA) model were used in the research and the variables such as awareness, perception, attitude, subjective norm and intention towards the takaful scheme for mental health disorders were investigated. This study is meant as a pilot research carried out in Malaysia. The respondents participated in this study were 60 Malaysians takaful consumers who undertook an online survey in Klang Valley, Malaysia. This study reveals that the mean of attitude with the score of 4.27 is the highest score. The Pearson correlation is positive for both independent and dependent variables. Analysis of regression indicates a strong positive relationship between subjective norm and intention, thus suggesting that subjective norm is an important area that links the intention against the mental health disorder in takaful scheme. This research also proposed for future studies to focus on the factors that affect the willingness of consumers towards takaful mental health disorder schemes. It is hoped that the results of this study will serve as an informative reference for further development of takaful scheme for mental health disorder.
Shariah Audit Practices in Malaysia: Moving Forward
Authors: Fatihu Shehu Isa  , Noraini Mohd Ariffin  , Nor Hafizah Zainal Abidin
Published: February 2025

The Shariah audit being a monitoring tool for ensuring Shariah compliance proved to be an important component in the operations of Islamic financial institutions (IFIs). In the case of Malaysia, Bank Negara Malaysia has issued a Shariah Governance Framework in 2010 which categorically made Shariah audit function as one of the required functions in IFIs in addition to Shariah Review, Shariah Research and Shariah Risk Management. In line with this, this study aimed at exploring the extent of practitionersâ€™ awareness and perceptions of Shariah audit, the possible challenges associated with it as well as its future implications. The study used 83 practitioners drawn from various IFIs external audit firms that are involved in Shariah audit services through purposive sampling procedure. Questionnaire instrument was employed in generating the data. The findings of the study showed that practitionersâ€™ awareness is satisfactory, as majority of them got to know about Shariah audit through an educational programme, which gave them the opportunity to express what ought to be the desirable practice of Shariah audit. Similarly, the findings revealed that the lack of the independent Shariah audit report, the standalone Shariah audit framework and the inadequate competent Shariah auditors are among the main concerns in the practice. Moreover, the findings also showed that Shariah audit will have a high potential to take up as a marketable career in the near future. Finally, the findings suggest that the integration of Shariah audit in accounting courses in institutions of higher learning; comprehensive Shariah audit framework and standards; new regulatory/professional body with a mandate of supervising IFIs as well as a professional certification in Shariah audit should be made available. It is hoped that the study will contribute towards the development of desired Shariah audit practices in Malaysia.
The Contemporary Role of Tabung Haji Malaysia in Fulfilling Sustainability via Islamic Social Finance
Authors: Noor Mahinar Abu Bakar  , Norhashimah Mohd Yasin  , Noor Hainiakmal Abu Bakar
Published: February 2025

As an Islamic institution, Tabung Haji (TH) Malaysia is important in mobilising savings of depositors and operating innovative Islamic investment fund in an efficient manner thereby fulfilling the lifelong desire of Muslims in embarking their pilgrimage journey and performing hajj rituals. The positive impact of TH on Muslim society in Malaysia is undeniable. However, problems have been brewing in TH when in 2015 the Central Bank of Malaysia issued a warningto TH on their negative reserves but still paid out higher dividends and in 2018 the new management of TH made police reports on the 2017 financial accounts alleging that the previous management misused fund, broken their own accounting rules, and illegally declared dividends. This paper undertakes to examine the history, objectives and sustainable strategies of TH that ensures its long term survival, resilience and contribution to Islamic Social Finance (ISF). This study uses qualitative library research method that specifically refers to financial reports (2010-2018), documents, journals and texts regarding activities of TH and authorsâ€™ own observation, to test how TH adapts to the new setup of Covid-19 (C19) challenges via ISF. This study reveals that although TH provides a good example as a competent hajj agency worldwide unethical political and external interference on professional management and decision-making of TH has brought undue pressures on TH to make politically-motivated decisions resulting in a conflict of interests. This study suggests that in times of C19 new landscape, TH should lead in ISF, reinvent TH as an effective post pandemic organisation and adopting purposeful technologies for business survival. This study has important implications on business goals and relevance of TH if they are to enhance their image and contributes to sustainable development of ISF.
Takaful, Zakat and Waqf Instruments in Ensuring Holistic Senior Citizens Program Development in Malaysia
Authors: Rusni Hassan  , Adnan Yusoff  , Asral Widad Ahmad Asnawi  , Ieman Sofiyya Adnan
Published: February 2025

Malaysia will face the phenomenon of aging nation in 2040. In 2020 alone, the elderly in Malaysia is expected to reach 3.21 million people. The current of modernization greatly changes the structure of the Malaysian family whereby children are not able to take care of their old parents due to high demand of work and life. The work culture in Malaysia demands that employees to put priority on works and thus less focus on their family and elderly parents. Not only that the work opportunities that are mainly based in the cities and central areas require the young to travel and migrate far from their parentâ€™s residence, leaving the elderly parents unattended. This phenomenon requires urgent attention and consideration from the government and relevant bodies to plan for the future of the elderly Malaysian. This paper aims to first, appraise the role of Takaful, Waqf and Zakat in helping and supporting the elderly or senior citizens in Malaysia. Second is to propose Takaful, Waqf and Zakat as instruments to provide financial assistance and protection to the elderly community.Third is to propose how these three instruments can be integrated for the utmost protection of policy holders and their beneficiaries when they reach the golden age.
КОЦЕПТУАЛЬНІ ОСНОВИ РОЗВИТКУ БУХАЛТЕРСЬКОГО ОБЛІКУ В УМОВАХ ЦИФРОВІЗАЦІЇ
Authors:   Donetsk National Technical University, Popova Olha , Panchenko Hanna
Published: February 2025

The purpose of the article is to determine the conceptual foundations of accounting development, which in the context of digitalization involves a transition from traditional approaches to the use of modern technologies. The study is based on theoretical and methodological approaches formed in the works of domestic and foreign scientists in the field of accounting development. To achieve the set goal, the dialectical method of cognition and general scientific principles, in particular observation, comparison and description, were used. Methods of system analysis were used to study theoretical foundations, as well as general logical techniques such as analysis, synthesis, scientific abstraction, generalization, induction, deduction, analogy and a systems approach. It has been proven that the effective implementation of digital technologies in the accounting system requires the following requirements: compliance with technical and economic criteria when implementing technologies; increasing the professional competence of employees who perform accounting operations; coordinating the digitalization process with the company's development strategy; ensuring constant feedback from users of digital systems to improve their functioning. The article emphasizes the importance of studying the conceptual foundations of accounting development in the context of digitalization and its impact on accounting practice. It is proven that digitalization replaces routine tasks of accountants, allowing them to focus on analytical work, which increases the efficiency of the enterprise. The study found that digitalization has both advantages and certain disadvantages. At the same time, its implementation contributes to improving the quality of accounting data, reducing the costs of processing large volumes of information and creating conditions for ensuring greater reliability of accounting data publications. The scientific novelty of the study lies in substantiating the key concepts of accounting development and identifying ways to improve it through the introduction of modern digital technologies. The practical significance lies in the ability of enterprises to choose and implement digital technologies to increase the efficiency of the accounting department. This allows to ensure a highquality accounting process and adapt the accounting system to the modern challenges of the digital economy.
Hydrological regime identification and analysis of the climate change impact on dynamics of karst aquifer in the wider area of Imotsko polje
Authors:   ,   University of Split, Faculty of Civil Engineering, Architecture and Geodesy, Vrsalović Adrijana
Published: February 2025

Karst areas are complex hydrological systems with heterogeneous karst formations that cause variable and unpredictable water flows. The study of hydrological functioning is crucial for understanding the dynamics of the aquifer and the mutual interactions between the unique karst phenomena in Imotsko polje, with a focus on protecting of the karst aquifer and morphological karst forms. Identifying dynamic processes in the hydrological regime in the context of climate change was carried out by analyzing data from existing and newly installed climatological and hydrological stations. Identifying trends and extreme phenomena in this study is essential for assessing the impact of climate change on regional water flow and the availability of water resources in karst areas. For the first time, a comprehensive analysis of hydrological parameters in all water bodies was carried out simultaneously, providing insights into their hydrological characteristics and interrelationships. The analysis confirmed the coincidence of peak value intervals and similar hydrological responses of the water bodies to precipitation, assigning them to the same karst aquifer. In addition, the recession analysis was applied to the Red Lake data, introducing the new terminology of quasi-recession curves to emphasize the adaptation and application to the lake environment. Quasi-recession curves were used to determine the primary mechanism of filling and emptying the lake, revealing changes that indicate a possible connection between the lake and the Opačac spring. Hydrological models of the Opačac spring and the Opačac spring with the Red Lake were developed using the KARSTMOD conceptual model. In addition to modeling the spring, the wider Imotsko polje area was simulated using the MIKE SHE integral model.
Analisis Penerapan Promosi Terhadap Keputusan Pembelian Mie Sakera Kalisat
Authors: Khotimah Faidatul , Sofia Reniatus Sofia , Maulana Ahmad Rafil
Published: February 2025

Tujuan pelaksanaan penelitian ini untuk mengetahui strategi promosi dan pengaruh promosi terhadap Keputusan pembelian konsumen mie sakera kalisat. Penelitian ini menggunnakan oservasi langsung dan wawancara. Penelitian ini menggunakan pendekatan kualitatif. Hasil penelitian menunjukkan bahwa promosi merupakan salah satu variable sangat penting dilaksanakan oleh Perusahaan dalam mesarkan produk dan jasanya.kegiatan pemasaran dalam hal ini promosi sangat penting bagi Perusahaan kecil maupun Perusahaan besar. Demikian halnya yang di lakukan oleh mie sakera kalisat diperlukannya strategi promosi yang tepat untuk memasarkan produk yang akan dikenalkan kepada konsumen agar tercapai tujuan dari Perusahaan tersebut. Promosi pada hakekatnya adalah suatu komunikasi pemasaran, artinya aktifitas pemasaran yang berusaha menyebarkan informasi, mempengaruhi/membujuk, dan atau mengingatkan pasar sasaran atas perusahaan dan produknya agar bersedia menerima, membeli dan loyal pada produk yang ditawarkan perusahaan yang bersangkutan. (Siagian & Cahyono, 2021) Sementara Sistaningrum mengungkapkan arti promosi adalah suatu upaya atau kegiatan perusahaan dalam mempengaruhi "konsumen aktual" maupun "konsumen potensial" agar mereka mau melakukan pembelian terhadap produk yang ditawarkan, saat ini atau dimasa yang akan datang. Tujuan Promosi Adapun tujuan dari pada perusahaan melakukan promosi menurut Tjiptono. adalah menginformasikan (informing), mempengaruhi dan membujuk (persuading) serta mengingatkan (reminding) pelangggan tentang perusahaan dan bauran pemasarannya.
Efektivitas Pengambilan Keputusan Manajerial Dalam Rangka Peningkatan Kapasitas Organisasi Berbasis Profit
Authors: Saputra Harmawan Teguh
Published: February 2025

Penelitian ini bertujuan untuk mengisi kekosongan tersebut dengan melakukan studi empiris pada organisasi berbasis profit. Dengan menganalisis kasus-kasus nyata, penelitian ini diharapkan dapat mengidentifikasi faktor-faktor yang mempengaruhi efektivitas pengambilan keputusan manajerial dan mengusulkan rekomendasi praktis untuk meningkatkan kualitas pengambilan keputusan dalam organisasi.
Penelitian ini akan mengkaji bagaimana pengambilan keputusan manajerial dapat berkontribusi pada peningkatan berbagai aspek kapasitas organisasi, seperti inovasi, fleksibilitas, dan kemampuan untuk merespons perubahan lingkungan. Dengan demikian, penelitian ini diharapkan dapat memberikan kontribusi terhadap pemahaman yang lebih baik tentang bagaimana organisasi dapat meningkatkan daya saingnya melalui pengambilan keputusan yang berkualitas.
Altering Olive: A Look at HBO’s Adaptation of Elizabeth Strout’s Olive Kitteridge
Authors: Walsh Lana
Published: February 2025

This paper discusses the HBO adaptation of Elizabeth Strout's Olive Kitteridge, with a focus on revealing the level of depth and nuance that gets lost in the translation from short story cycle to mini-series. By analyzing the cycle form, this paper considers the risks involved in neglecting the form of a source text during adaptation. While the author ultimately refrains from commenting on the quality of the mini-series as its own entity, she does conclude that as an adaptation, the mini-series is disappointing in its replication of the source text's complexity.
Realistic expectations from the healthcare system
Authors: Bhattacharyya Sayan
Published: February 2025

The relationship between healthcare givers and patients is vital for development of the healthcare system. Hence measures should be taken to improve this relationship so that the expectations of the patients from the healthcare facility are fulfilled as far as possible. A satisfied patient strengthens the functioning of the healthcare system.
PERUBAHAN PENDIDIKAN KEMANDIRIAN ANAK RANTAU DI PONDOK PESANTREN
Authors: Fitriani Fitriani , Suryanto Suryanto , Tuponowati Safitri , Radiana Usman
Published: February 2025

Penelitian ini dilatarbelakangi oleh kebiasaan masyarakat di Kabupaten Kubu Raya, Kalimantan Barat, yang mengirim anak-anak mereka merantau ke Pulau Jawa untuk belajar di pondok pesantren. Penelitian menggunakan pendekatan kualitatif-deskriptif, dengan pengumpulan data melalui wawancara dan observasi. Subjek penelitian adalah orang tua yang anaknya merantau serta anak-anak rantau di Kota Malang, Jawa Timur. Tujuan penelitian ini adalah untuk menilai kemandirian anak rantau dalam membentuk pribadi yang kuat dan kompeten. Hasil penelitian menunjukkan: 1) Minat tinggi orang tua terhadap pendidikan anak; 2) Kerelaan orang tua dan anak berpisah demi pendidikan; 3) Anak rantau banyak yang berhasil secara akademik dan agama, serta kembali membangun daerah asal; 4) Peningkatan tingkat pendidikan masyarakat; 5) Anak rantau memiliki kemandirian yang tinggi.AbstractThis research is based on observations in Kubu Raya Regency, West Kalimantan, where many families send their children to study at Islamic boarding schools in Java. The study uses a qualitative-descriptive approach, with data collected through interviews and observations. The research subjects include parents whose children study abroad and the children themselves in Malang, East Java. The purpose of this research is to assess the independence of migrant students and how it shapes them into strong, competent individuals. The findings show: 1) A strong parental interest in providing education for their children; 2) Parents' and children's willingness to separate in pursuit of better education; 3) Many migrant students achieve academic and religious success and return to contribute to their hometowns; 4) Increased education levels in the community; 5) Migrant students exhibit high levels of independence.
WAWASAN SALAFI TERHADAP PARTISIPASI POLITIK DALAM PEMILU 2024
Authors: Halizzah Khansa Auliya , Maksum Muh Nur Rochim
Published: February 2025

sebagian kelompok Salafi menganggap demokrasi sebagai sistem yang tidak islami dan sesat, namun ada di antara mereka yang tetap memanfaatkan pemilu untuk memilih pemimpin yang dianggap dapat membawa kebaikan bagi umat Islam. Pendapat dari beberapa narasumber menunjukkan variasi sikap, dari yang mendukung partisipasi aktif dalam pemilu hingga yang cenderung apatis terhadap politik praktis. Gerakan Salafi di Solo juga menunjukkan dinamika yang kompleks dalam hubungannya dengan pemerintah. Beberapa di antara mereka menaati pemerintah yang sah meskipun tidak menjalankan syariat Islam secara penuh, asalkan umat Islam masih bebas menjalankan ibadahnya. Hasil penelitian ini diharapkan dapat memberikan pemahaman yang lebih mendalam tentang peran dan dampak gerakan Salafi di Solo serta membantu dalam mengembangkan strategi untuk meningkatkan partisipasi pemilih dan kesejahteraan masyarakat dalam konteks pemilu 2024.
Patient-Reported Outcomes: a Compass Through Inflammatory Bowel Disease Journey
Authors:   “Carol Davila” University of Medicine and Pharmacy, Bucharest, Romania, BAICEANU Ana-Maria , SPATARU Teodora Iulia ,   “Carol Davila” University of Medicine and Pharmacy, Bucharest, Romania, COZMA Marina ,   “Carol Davila” University of Medicine and Pharmacy, Bucharest, Romania, POPESCU Remus ,   “Carol Davila” University of Medicine and Pharmacy, Bucharest, Romania, NEGREANU Lucian ,   “Carol Davila” University of Medicine and Pharmacy, Bucharest, Romania
Published: February 2025

Inflammatory bowel disease (IBD) are chronic inflammatory conditions which have a major impact on the patients’ quality of life. Patient reported outcomes (PROs) help empower the patients giving them a voice in their treatment decision and improving communication between patients and doctors. PROs represent a foundation for a tailored approach of IBD monitoring and treatment and are very important in both research and routine clinical management. Improved PROs tools will facilitate their use in daily practice, in turn improving the delivery of value-based healthcare and, in the long term, good clinical care of the patients. This review is focused on the main principles regarding PROs role and their importance in IBD care.
Dyslipidemia in Internally Displaced Middle-aged Women in Kharkiv During the War
Authors:   Kharkiv National Medical University, Ukraine, LAKHNO Igor V.
Published: February 2025

Background. Kharkiv is a hub for internally displaced persons (IDPs). The impact of war on general health in perimenopausal women is still a challenging issue. The study was focused on the detection of possible relationships between metabolic disorders in IDPs and residents among perimenopausal women in Kharkiv. Methods. In total 82 patients were enrolled in the descriptive cross-sectional study. The number of Kharkiv’s residents was 42, and the IDP’s number was 40. The variables of body mass inde (BMI) and menopausal Cooperman’s score were determined after inclusion in the study. All selected women were tested for serum lipids. The atherogenic inde (AI), which is the logarithm of atherogenic (triglycerides) and antiatherogenic (high-density lipoprotein cholesterol) fractions of cholesterol, was also calculated. The levels of glycemia and insulin were detected with subsequent calculation of the HOMA inde. C-reactive protein (C-RP) as a marker of chronic inflammation was investigated. Results. The values of BMI, Cooperman’s score, НОМА inde, insulin, glucose, and C-RP did not reveal any statistical distinction between subgroups of the study population. Some variables of lipid metabolism differed between kharkovites and IDPs. The results of the multivariate regression model with IDP sign showed a statistically significant relationship with AI. Conclusion. The enhanced atherogenicity was typical for perimenopausal women among IDPs in Kharkiv. This peculiarity could be used as an initial stage in future research on advanced health programs during wartime.
A DETAILED REVIEW OF THE CHEMISTRY OF GEOPOLYMER MATERIALS: SPECIAL FOCUS ON CIVIL ENGINEERING APPLICATION
Authors: Freeda Christy Clementz Edwardraj , Nesaraj Arputharaj Samson
Published: February 2025

Geopolymer is an innovative and eco-friendly inorganic building material that is becoming increasingly popular as a sustainable alternative material for Portland cement concrete in the construction sector. Unlike Ordinary Portland Cement (OPC), which primarily comprises limestone and clay extracted in large quantities from the earth, its production minimizes environmental harm. Geopolymer concrete, in contrast, is formed using industrial waste materials like fly ash and ground granulated blast furnace slag (GGBS), combined with appropriate aggregates and an activating solution. Geopolymer-based concrete offers an eco-friendly substitute for traditional concrete, helping reduce the environmental damage caused by cement production while utilizing industrial waste materials, improving durability, and offering significant energy savings. The physicochemical characteristics of Geopolymer concrete (GPC), such as heat of hydration, shrinkage, chemical resistance, and fire resistance, are found to be excellent compared to OPC-based concrete. Another important advantage of GPC is its ability to easily adsorb radioactive substances present in the environment. GPC is considered a sustainable alternative to OPC-based concrete, offering significant environmental benefits and contributing to a more sustainable future. This review article focuses on the methodology for preparing GPC, its main ingredients, and its properties. The prospects of geopolymer concrete are also discussed.
Analyse ausgewählter Entlehnungen im Soziolekt der deutschsprachigen Kletternden
Authors: Sakowski Krzysztof
Published: February 2025

Im Zuge des wachsenden Interesses am Bergsteigen und insbesondere Klettern, das im letzten Jahrzehnt auch in Deutschland zu vernehmen ist, hat sich auch der damit verbundene Soziolekt verbreitet.. Der internationale Charakter dieser Disziplin hat zur Folge, dass es zum Sprachkontakt kommt, infolgedessen Entlehnungen ins Deutsche aufgenommen werden. Der Beitrag setzt sich daher zum Ziel, einen Teil des Lehnguts (lexikalische Entlehnungen) aus dem Soziolekt der Kletternden qualitativ zu untersuchen. Die Analyse zeigt Erschließungswege, Assimilationsgrade und Motivationen, die hinter diesen Prozessen möglicherweise stehen. Es werden Entlehnungen aus dem Englischen, Französischen und Italienischen detailliert gezeigt.
The value interfaces of
media COVID-culture in online press
Authors: Patraš Vladimir
Published: February 2025

The outbreak of COVID-19 has caused a radical division of communities and reformatted a considerable area of interpersonal communication in the contemporary “glocalized” world. Historically and culturally developed standards, flexibly stable communication concepts, and universally applicable codes with a substantial degree of persuasive and expressive force have produced accelerated responses to the special requirements and challenges that contemporary social media discourse needs to, wants to, or can manage. In the pragma-communication ambit covering the COVID-19 issue, what was obviously activated and integrated were the methods and means of professional (medical, psychological, social, economic, political, military) and media discourse, including the extreme persuasiveness, inherent colloquialization, as well as individualization, of the web-based media products. In the context of the delicate thematic and pragmatic spectrum, a culturally specific way of intertextual media presentation of contents, intentions and effects was created at the intersection of the said communication markers. Using an adapted speech acts theory, the study focuses on a socio-pragmatic definition of interfaces in a so-called covid-culture value area, which occurs in contemporary online press featuring opinion journalism.
РОЛЬ ФІНАНСОВОЇ БЕЗПЕКИ ПІДПРИЄМСТВ У ПРОТИДІЇ ЗАГРОЗАМ ТА РИЗИКАМ
Authors: МАРЧЕНКО Валентина , УСИК Олександр
Published: February 2025

The purpose of the article is to highlight the role of financial security of enterprises in countering threats and risks in modern conditions. The relevance of the study is due to the fact that the modern realities of Ukraine's development, taking into account the military invasion of its territory by the Russian Federation, actualize efforts in the direction of security in all spheres of life, including in relation to the financial security of enterprises. Threats and risks to the functioning of enterprises as a result of military actions on the territory of Ukraine are identified, which include physical destruction or damage to production premises, warehouses, infrastructure, which lead to the shutdown of enterprises, interruptions in the supply of raw materials, components and electricity, loss and outflow of personnel, changes in demand , caused by military actions and their consequences, problems of a logistical nature due to the destruction of infrastructure facilities, increased financial risks, legal risks, loss of foreign partners, increased cyber threats, reduced work capacity and employee motivation. External and internal threats and risks of enterprise activity are determined. As well as internal threats and risks of the financial activity of enterprises, which include: low level of staffing of financial activities; low level of financial responsibility at the enterprise; irrational capital management; insufficient use of financial risk management tools; low resource potential and adaptive capacity of the enterprise. It has been proven that the financial security of enterprises plays an important role in countering threats and risks, ensuring the stability and sustainability of the enterprise's activities in conditions of uncertainty. The role of financial security in the system of economic security and enterprise activity involves: protection from financial and credit risks; increasing the efficiency of operational risk management; increasing investment stability.
Pengaruh Beauty Influencer, Persepsi Harga dan Brand Image terhadap keputusan pembelian Hand and Body Lotion Vaseline di DIY
Authors: Carneli Refika Dewi , Nurwahyudi Muhammad Robi
Published: February 2025

This study aims to determine the influence of beauty influencers, price perceptions and brand image on purchasing decisions for Vaseline hand and body lotion (consumer case study in DIY). This study is a quantitative study, with data processing using SPSS version 25. The population in this study were consumers of Vaseline hand and body lotion aged 20-29 years, women and men in DIY. This study has a sample size of 100 people from the calculation results using the Solvin formula. Sample collection with simple random sampling where samples are taken randomly from the population. The findings in this study indicate that beauty influencers have a positive and significant effect on purchasing decisions, while price perceptions have a positive and significant effect on purchasing decisions and brand image has a positive and significant effect on purchasing decisions. While carried out simultaneously with beauty influencers, price perceptions and brand image have a positive and significant effect on purchasing decisions togethe.
Kebijakan Badan Kesatuan Bangsa Dan Politik Dompu Dalam Upaya Deradikalisasi Terhadap Mantan Narapidana Terorisme Di Kabupaten Dompu
Authors: Muamar  , Suparman  , Sukarddin
Published: February 2025

Extremism or radicalism is a call for terrorists and their supporters to use violence to achieve certain goals, often based on religious legitimacy. Dompu Regency is one of the places where many convicted terrorists are found. In this context, Bakesbanpol Dompu Regency plays a role in Deradicalization efforts. Deradicalization is a process or effort to eliminate radicalism. The purpose of this study is to describe the Kesbangpol policy in Dompu Regency in efforts to deradicalize ex-convicts in Dompu Regency and to analyze the factors causing obstacles in the implementation of deradicalization of ex-convicts. The methodology used in this study is qualitative descriptive. Efforts to determine and achieve research objectives are carried out using indicators of the role of local government in this case Kesbangpol as a facilitator and as a regulator. The results of the study indicate that the role of the government as a facilitator in the implementation of deradicalization of ex-convicts has been carried out as seen from the form of providing guidance, skills, training and funding given to ex-convicts. While the role of the government as a regulator, currently the local government does not have regional regulations that specifically regulate radicalism, terrorism or even deradicalization. Differences in thinking/ideology, limited budget and labeling from the community towards ex-convicts are obstacles in the implementation of deradicalization of ex-convicts in Dompu Regency. The Regional Government needs to provide religious guidance through religious leaders and additional allocations in the implementation of the program. In addition, the government and the community must be present in the midst of ex-convicts and synergize in preventing radicalism and terrorism.