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Overcoming the impact of the Covid pandemic on Islamic banking in Indonesia, management must take strategic steps based on predictions and previous performance identification. Identify performance, information on the factors that affect the performance of Islamic banking in Indonesia is needed. Several aspects that are considered to affect Islamic banking performance that management must consider are capital, liquidity aspects, credit risk, and efficiency. This research examines the influence of the aspects of capital (Capital Adequacy Ratio and Third Party Funds), liquidity (Finance to Debt Ratio ), credit risk (Non-Performing Financing).) and operational efficiency (BOPO) on the performance of Islamic banking in Indonesia 5 (five) years before the Covid pandemic occurred in Indonesia (2015-2019). The results showed that these five aspects had a simultaneous effect on Islamic banking performance in Indonesia, with a termination coefficient of 94.4%. Of the five variables, CAR, FDR, NPF, and BOPO significantly affect performance, while TPF has no significant effect on performance (Return on Assets).

The Covid-19 pandemic restricted the people around the world's boundaries. Therefore, online learning's importance increased in the current era, an essential topic for current research. Students are actively using Massive Open Online Courses (MOOCs) while restricted at their homes during the Covid-19 pandemic. This research investigates the Unified Theory of Acceptance and Use of Technology model (UTAUT) and quality factors to predict the users perceived satisfaction and reuse intentions toward MOOCs in the Covid-19 pandemic. We collected data from three public universities in Wuhan, China and 298 users who were actively using MOOCs participated in this research. The proposed hypotheses were tested by using PLS-SEM. The findings revealed that effort expectancy and social influence directly impacted users' reuse intentions while performance expectancy and perceived course quality positively impacted users' reuse intentions through perceived satisfaction toward MOOCs. This research found the critical role of perceived satisfaction in the current pandemic era. Finally, this research provides important theoretical implications for the researchers and practical implications for the developers, technologists, and policymakers for developing effective systems and strategies in online environments. In addition, this study revealed some limitations and future research guidelines for the researchers.

The Covid-19 is a new virus found in Wuhan, China at the end of 2019, to be precise in December.  This virus spreads very quickly to various parts of the world, causing access between countries to be closed in anticipation of the transmission of covid-19. Covid-19 can be transmitted from one person to another by touching objects that have been exposed to a person with Covid-19 and can also catch it through coughing or sneezing droplets from that person. The existence of Covid-19 has led to changes in the order of life from normal to having to comply with health protocols implemented by the government in various places to anticipate the spread of covid-19, for example in implementing health protocols in places of worship and in crowded places.  In terms of performing worship in a mosque environment, a person is obliged to obey the protocols that have been implemented but in reality, many people don’t comply with health protocols and don’t care about the safety of others. If this is the case, then the mosque administrators or as takmir of the mosque must be responsible for the violations that occur because they are supposed to enforce health protocols in the mosque environment which is their obligation. The research method used by researchers is normative legal research with a statutory and case approach. The takmir of the mosque as the person in charge of all activities carried out in the mosque must fulfill its responsibility in a civil manner towards public disobedience to health protocols that aren’t obeyed because the mosque takmir should strictly enforce the health protocol

This study aims to examine and analyze the effect of diversification, corporate governance and intellectual capital on sustainability performance, either directly or indirectly, by involving financial performance as a mediating variable. This study uses secondary data on Islamic Commercial Banks in Indonesia which are registered with the Financial Services Authority from 2011 - 2018, with a sample size of 10 Islamic banks that meet the criteria using the purposive sampling method so that 80 observations are obtained. Data is obtained from annual reports, sustainability reports, and reports on the implementation of good corporate governance. The data analysis technique used SEM-PLS with the help of WarpPLS 7.0 software. The results of the study provide empirical evidence that both the quality and quantity of corporate governance, intellectual capital and financial performance have a positive effect on sustainability performance.

Liquidity risk is the potential that an entity will be unable to acquire the cash required to meet its short and intermediate-term obligations. Deposit-taking Savings and Credit Cooperative Organisation (SACCOs) face liquidity risk when they are unable to fund their operations and lending requirements to their members as and when circumstances demand. Given that liquidity is a key phenomenon on the optimal functioning and financial performance of deposit-taking SACCOs, this study critically analyzed the effect of liquidity risk on the financial performance of DT SACCOs in Kenya. The study used a descriptive survey design and employed regression methods to model the relationship between liquidity risk and financial performance of DT SACCOs. The data were analyzed at a 5% level of significance. The study findings revealed that at a 5% level of significance, liquidity risk had a statistically significant influence on the financial performance of deposit-taking SACCOs. Basing on the findings, DT SACCOs are encouraged to focus on enhancing the mobilization of deposits to ensure that an asset portfolio that minimizes liquidity risk is maintained.

The main purpose of this study is to evaluate the correlation of perceived security, benefits, and usefulness that has been associate with the cashless transaction attitude. The chosen mode for this research is a quantitative approach. This method is favored because of its simplicity and systematic approach, The primary data were collected by distributing the respondents' questionnaires, A self-administered survey is a questionnaire that was developed exclusively for a respondent. This questionnaire is the most suitable approach for this research because respondents respond comfortably and don't need to make appointments with respondents. However, This study involves 120 participants from several locations in Selangor University, DarulHikmah Library at IIUM in the Gombak area, and Shah Alam area. In the part of the analysis, there is two measurementss that would be tasted in the context of demographic component and assess the relations between the structures and how independent variables affect the dependent variable. On the other hand, the mode of analysis is descriptive statistics and multiple regressions. Also, Both the results are presented by using the statistical tools which are IBM Social Science Statistical Package (SPSS) version 25.0. The findings indicate that the benefits perceived and the adoption of cashless transactions are linked positively and are of perceived importance and acceptance. From the study, this paper discovered that perceived protection correlates negatively. For future research of this subject, a greater variety of independent factors and more detailed models may have been used and further analyses required for the factor analysis. This can lead to further findings that will give the next generation a wider range of knowledge.

This study aims to develop and test a holistic model that depicts and examines the relationships among job autonomy, its drivers, as well as autonomous motivation and influence employee engagement. This research is among the first works to deal with such a complex framework that considers the interrelationships among numerous constructs and their effects on employee engagement. A questionnaire was designed to measure the influence of Job autonomy and its drivers on employee engagement while taking into consideration the impact of turbulent times and organizational commitment on these relationships. Data collected from a sample of 317 respondents working in Ethiopian commercial banks were used to test the proposed relationships. The relationships were analyzed using partial least squares structural equation modeling (PLS-SEM) using the Smart PLS 3 software and SPSS version 26. PLS is a well-established technique for estimating path coefficients in structural models and has been widely used in a number of research studies.  The proposed model proved to be fit. The findings of this study suggest that creating job autonomy and assuring autonomous motivation, may help companies gain employee engagement and enhance their performance. The adoption and implementation of such activities are driven by method, criteria, and scheduling autonomy. The successful implementation of these practices requires considering the level of turbulent environment and organizational tenure. The hypotheses were supported, and implications were discussed

This research empirically investigates consumers’ perception of real-time marketing as a marketing tool that is increasingly being used by businesses. Based on the review of literature, the paper aims to delve into real-time marketing and explore the elements of real-time marketing that influence consumers' perception of RTM campaigns. This study adopted a quantitative methodology. A total of 201 consumers completed an online survey in Gauteng, South Africa. To identify underlying factors that influence the consumer's perception of various real-time marketing campaigns, exploratory factor analysis was conducted. Descriptive statistic was used to provide a further summary of the basic characteristics of the sample. The research findings indicate that consumers value real-time marketing communication campaigns that offer value. Consumers' perception of value includes any real-time marketing campaign that offers some financial gain in the form of immediate and personalized discounts. This research provides retailers with a greater understanding of what consumers perceive as valuable and what they regard as clutter when it comes to real-time marketing campaigns

The purpose of this research is to find out what is meant by donated land, how is the existence of the waqf land and how to study the law of the waqf land and how to optimize the management of the donated land in Indonesia. The object of this research is related to the understanding and meaning of the donated land by the Muslim community in general and especially the Muslim community in Indonesia, which is the majority population. This study uses a literature study research approach, theoretical studies using descriptive analysis methods. The results show that the revitalization of the management of waqf land in Indonesia is a very important and urgent agenda at this time. This can be done through the waqf land certification program based on information and communication technology, making an agreement on wakaf fiqh related to the productivity of the waqf land, implementing modern concepts of waqf land management based on Islamic legal principles, and supported by reliable and professional human resources of waqf institutions. is a challenge and an opportunity for Indonesia to make a big leap as the center of waqf in the world. A strong factor to support this goal is the relatively large availability and the existence of waqf land, the majority of Indonesia's population is Muslim, and the laws and regulations related to land and waqf land tend to be sufficient enough so that collaboration is needed. that is more integrated among the waqf land stakeholders in Indonesia

The main purpose of this paper is to assess the impact of the deficit on GDP growth for the Eurozone area, using panel data for a period from 1995 to 2015, with a total of 257 observations. In order to conduct the study and come up with results, we have used a multiple linear regression model with the least-squares regression. Consequently, in order to test the data used in the model, we have applied diagnostic tests, such as the Durbin-Watson test to analyze the correlation of serial correlation, as well as the Breusch-Pagan test for heteroskedasticity. The test results prove that there is no heteroskedasticity and at the same time there are strong indications that the model has no relation between serial correlation. The results presented in our study show that the variables, deficit ratio to GDP, is statistically significant with a positive sign and as a result, we have the growth of the deficit ratio with GDP having a positive impact on the economic growth ratio. Keywords: Fiscal deficit, GDP Growth Rate, Correlation, Regression

The presence of contradictory theories and unpredictable empirics calls for this paper to survey the outcome of board traits on financial operation of Nigeria banks. Financial performance of a firm is as important as the firm. Yet, very few studies have examined its impact by the board of directors in Nigeria. Data were obtained and perused using descriptive and inferential figures. Findings show that size of board has significant and constructive bearing on business piece. However, board composition takes undesirable significance. Meetings of board and gender failed to show significance. But, board member nationality and firm size show negative and significant effects. We added by exploring impacts of boards on financial performance. We asked firms to increase the size of the board and engage more independent directors and reduce the number of board diligence and size of the firm. The strong plus impact of board size and firm size on financial operations is an interesting result allowing for additional interrogation of why these behaviours.

This study examines the influence of service reliability on customer satisfaction in the insurance industry in Kenya. The study was anchored on the Assimilation Contrast Theory and employed a descriptive research design. Primary data was collected using a structured self-administered questionnaire. Data analysis was conducted using descriptive statistics where the mean and standard deviation were determined. Data were analyzed in two levels, the customer level, and the entity level. The study employed the linear mixed effect models of structural equation modeling (SEM) considering the multi-level structure of the data collected. Results were presented in form of tables and path diagrams for the structural equation models. Service reliability was found to have a statistically significant influence on customer satisfaction (? =0.840, p-value= 0.027). The study found that there was a variation of levels of customer satisfaction across entities but this was not attributed to service reliability. The conclusion made was that service reliability significantly influenced customer satisfaction in the insurance industry in Kenya at the customer level but did not significantly influence the variations of customer satisfaction between the insurance companies.

Core values are critical to an organization’s identity, mission, strategy, and success.  Harmonizing personal values and the core values espoused by the organization addresses congruence gaps and ensures that the actions of employees are consistent and aligned with organizational strategies. This study aims to identify the HR management practices of a University in Manila, Philippines that promote the congruence between the personal values of employees and the core values of the organization.  The qualitative research methodology was utilized to identify practices in the areas of Recruitment and Selection, Performance Management System, and Training and Development that promote congruence of values.  Semi-structured interviews of key University officials were conducted using open-ended questions. A review of relevant and pertinent documents was also undertaken. The three identified HR functional areas are highlighted because these are critical in the selection, motivation, and retention of high-quality employees.  Leveraging HR management practices to promote congruence entails that the values of the organization are well-defined.  Employees must understand how these are translated into workplace behaviors and actions.  It must be clearly laid down how these relate to their performance and the impact these have on the achievement of the overall goals of the organization.

Stock Price Synchronicity is a calculation used to show the proportion of the company's internal and external information accumulated into the stock price. This study aims to examine internal information in the form of sustainability reports and earnings quality on stock price synchronicity. Furthermore, this study also aims to examine the moderating effect of institutional investors as an indicator of sophisticated investors. The population in this study is a go-public manufacturing company on the Indonesia Stock Exchange (BEI). The sample was determined by the purposive sampling method. This research uses multiple regression analysis methods with a panel data form. The results showed that companies with a higher quality of sustainability reports had lower stock price synchronicity and institutional investors did not have a moderating effect in this relationship. The results also show that companies that have higher earnings quality have high stock price synchronicity as well. This relationship changes when the institutional investor moderation variable is added. Companies with higher earnings quality have lower stock price synchronicity values.

To stay competitive and viable in today's rapidly evolving and highly hostile market climate, companies need to concentrate more on innovation. In this regard, the specific quality of transformational leadership has been strongly linked to organizational innovativeness. However, the purpose of this study is to examine the relationship between transformational leadership and the innovation behavior of employees. The literature review developed in the current study is fundamentally centered on how transformational leaders value innovation by facilitating organizational learning to foster innovative behavior among employees. Corporate social responsibilities as an organizational level factor that can drive employee attitudes were also examined as a moderating effect in this relationship. The rationale of the relationship of the variables is supported by both transformational leadership theory (TFL) and social exchange theory (SET). Data were collected from corporate social responsibility engaged SMEs operating in Rwanda. Using Cranach’s alpha reliability and validity were tested while structural equation modeling (SEM) was used in analyzing data. The findings of this study intend to fill some gaps in the current literature such as the introduction of CSR in the relationship between top managerial level leadership, organizational learning, and innovation behavior of employees, also introducing SET to explain such important relationship

This research aims to develop risk breakdown structure specifically for virtual learning projects in higher institution. Transition from physical face-to-face study into virtual learning practices during COVID-19 mitigation phase had been selected as main focus to construct risks identification. Opinions and experiences from 35 stakeholders in university level had been gathered and analyzed using triangulation and meta-language of risk statement methods, in order to maintain statements’ validity and quality based on project management’s standard. All registered risks were listed using universal risk breakdown structure format, which emphasized on three risk areas: internal, external, and technology, in order to categorize risk based on its sources and identify area with high exposure of risk. The result proposed 11 risk statements with highest exposure of risk on technology area. This result indicated that virtual learning organizers need to consider strategies and mitigation process in technology area, specifically on the infrastructure readiness, user capabilities, and communication gap inside the virtual environment.

This paper employs the R software in identifying the most suitable ARMA model for forecasting the growth rate of the exchange rate between the US dollar and a unit of the British pound. The data is systematically split into two distinct periods identified as the in-sample period and the out of sample period. The best model selected for the in-sample period is used to make forecasts for the out of sample period. Both traditional and rolling window forecasting methods are employed. This research uses the MSE, MAE, MAPE and correct sign prediction criterion to compare the forecasting performance of the rolling window forecasting method and the traditional forecasting method. The results obtained suggest that the traditional forecasting method performs better judging by MSE, MAE and MAPE. In other words, the traditional forecasting method is more suitable for predicting the magnitude (i.e., size) by which the US /UK exchange rate changes over time. However, the results also suggest that the rolling window forecasting method performs better based on the correct sign prediction criterion. In other words, the rolling window forecasting method is more appropriate for predicting the changes in the sign of the US /UK exchange rate. 

 This paper utilizes the Least Squares Dummy Variables (LSDV) technique in investigating the effect of financial depth on economic growth within a sample of middle-income countries, over the period 2005–2017. The research finds that financial depth has a negative impact on real GDP growth within middle-income countries. This result is robust to the use of alternative measures of financial depth, the use of per capita GDP growth as a proxy for economic growth, the inclusion of dummy variables to control for the 2007–2010 global financial crisis, the exclusion of countries with high average growth as well as across income levels. Based on its findings, this study recommends the need for robust regulations to ensure that the credit facilities of domestic financial institutions are channeled towards productive investments rather than debt servicing.

This study reviews the challenges and opportunities encountered by Qatar because of the blockade imposed by the neighboring countries, namely Saudi Arabia, the United Arab Emirates (UAE), Bahrain, and Egypt. It endeavors to highlight potential scenarios of the crisis. This paper employs a secondary source of information to achieve the objectives, such as books, articles, reports, and academic research, which were later subjected to thematic analysis. The findings of this research reveal that crisis management was an effective strategy implemented by the Qatari Government. It helped Qatari officials to change and transfer the negative impacts to a positive force. The crisis management strategy encouraged Qatar to rely on their local industries, improve education and media institutes, and use Qatar’s soft power internationally. Although 2017 was a challenging year for Qatar due to the crisis, yet the national economy showed an accelerated growth of 5% in the second half of the same year. 

This study aims to determine and analyze the influence of perceived organizational support, psychological empowerment, and organizational citizenship behavior from an Islamic perspective to service performance, as well as the mediation role of organizational citizenship behavior from an Islamic perspective on the relationship between perceived organizational support and psychological empowerment on service performance. The population of this study is all employees of food processing industry companies in Yogyakarta with a number of samples of 112 respondents. Using the quantitative method and primary data from questionnaire distributions, the research model will be analyzed using Structural Equation Modeling (SEM) with AMOS software. The results of this study reveal that perceived organizational support has a positive and significant influence on service performance; psychological empowerment has a positive and significant influence on service performance; organizational citizenship behavior from an Islamic perspective has a positive and significant influence on service performance; organizational citizenship behavior from Islamic perspective mediates the relationship between perceived organizational support on service performance, and organizational citizenship behavior from Islamic perspective mediates the relationship between psychological empowerment on service performance.