The advent of the COVID-19 pandemic has precipitated a paradigm shift in education, marked by an increasing reliance on technology and virtual platforms. This study delves into the post-pandemic landscape of Islamic higher education at the State Islamic Institute of Palangka Raya, Central Kalimantan, Indonesia, focusing on students’ readiness, attitudes, and interests toward sustained engagement with e-learning. A cohort of 300 students across all semesters of Islamic Education partook in the investigation. Utilising Structural Equation Modelling, the study gauged students’ preparedness, perceptions, and inclinations toward online learning. Results indicate a general readiness among students for online learning, with a pivotal role attributed to technological devices and internet connectivity. Positive attitudes toward online learning were prevalent, with flexibility and accessibility emerging as significant advantages. Moreover, students showed keen interest in online learning, valuing its technological advancements, affordability, and intellectually challenging nature. These findings highlight the digital transformation of traditional teaching methods among Islamic higher education students, who are typically known for their emphasis on direct interaction in teaching and learning. Their receptivity to innovative learning modalities and adaptability to the digital era’s difficulties highlight the need for educational institutions to leverage this enthusiasm. Comprehensive online learning platforms, robust technological support, and a conducive learning environment are advocated to empower Islamic higher education students in navigating the digital landscape and perpetuating their pursuit of knowledge and enlightenment.

This study explores the determinants of political participation among Thai youth, focusing on the roles of political interest, knowledge, and efficacy. Employing stratified random sampling, data were collected from 191 university students in Bangkok. Structural Equation Modeling (SEM) via Smart PLS was utilized to test hypotheses regarding the direct and mediating effects of political interest and knowledge on participation, highlighting the mediating role of political efficacy. The findings indicate that political efficacy significantly enhances participation, while political interest boosts knowledge significantly but does not directly influence efficacy. Furthermore, political knowledge positively affects efficacy but not participation directly. Notably, the indirect effects of political interest on participation through efficacy alone are insignificant, but the pathways from interest to participation through both knowledge and efficacy, and from knowledge to participation through efficacy, are significant. These results elucidate the complex interactions between political interest, knowledge, and efficacy in shaping the political engagement of Thai youth.

This study deals with the impact of Vietnam bank size, loans, credit risk, and liquidity on Vietnam banks’ net interest margin, which are crucial for economic development. High profit margins result in a lower bad debt ratio due to timely loan collection and good liquidity. This study applies a panel data model to evaluate the relationship among bank size, loans, credit risk, liquidity, and marginal profitability, which are increasingly important in commercial bank growth. Data were collected from 2010 to 2022, and test methods were applied to select a good-fit model. Realizing that the factors that have a close correlation and affect the profit margin are 33.6% and 16.07%, 75.2%, 37.51%, 64.30%, and 41.11%, and R2 is 59.04%, respectively, this suggests that financial managers need to develop appropriate strategies and policies to adjust the factors that adversely affect commercial bank profitability.

This paper proposes a floating-interest-rate infrastructure bond, where the interest of a government bond is paid to investors during the period of construction and the early period of operation. Unlike the usual government bond, which provides a fixed interest rate, the proposed floating-interest-rate infrastructure bond pays a floating interest, the rate of which depends on spillover tax revenues. Effective infrastructure projects have a positive effect on the economic growth of a region, known as the spillover effect. When user charges and the return from spillover tax revenues are below the fixed rate of the government bond, the interest rate will equal to the fixed rate of the government bond. In this case, investors in the infrastructure will receive interest on the government bond at the minimum rate. As the spillover effect of the infrastructure increases, the rate of return for infrastructure investment will become greater than the fixed rate of the government bond. The success of the floating-interest-rate infrastructure bond depends on the spillover effect and on transparency and accountability. Policy recommendations are provided in this paper on how to increase the spillover effect and improve transparency and accountability. 

Realistic project scheduling and control are critical for running a profitable enterprise in the construction industry. Finance-based scheduling aims to produce more realistic schedules by considering both resource and cash constraints. Since the introduction of finance-based scheduling, its literature has evolved from a single-objective model to a multi-objective model and also from a single-project problem to a multi-project problem for a contractor. This study investigates the possibility of cooperation among contractors with concurrent projects to minimize financial costs. Contractors often do not use their entire credit and may be required to pay a penalty for the unused portions. Therefore, contractors are willing to share these unused portions to decrease their financing costs and consequently improve their overall profits. This study focuses on the partnering of two contractors in a joint finance-based scheduling where contractors are allowed to lend credit to or borrow credit from each other at an internal interest rate. We apply this approach to an illustrative example in which two concurrent projects have the potential for partnering. Results show that joint finance-based scheduling reduces the financing cost for both contractors and leads to additional overall profits. Our further analyses highlight the intricate dynamics impacting additional net profit, revealing optimal scenarios for cooperation in complex project networks.