This study examined socio-economic factors affecting Micro, Small, and Medium Enterprises (MSME) e-commerce adoption, focusing on gender, income, and education. Using the 2022 National Socio-Economic Survey (Susenas) data, a logistic regression model was employed to analyze key determinants of e-commerce utilization. Additionally, an online survey of 550 MSMEs across 29 provinces was conducted to assess the impact of digitalization on business performance. In comparison, an offline study of 42 MSMEs with low digital adoption provided insights into the barriers hindering digital transformation. A natural experiment was conducted to evaluate the effectiveness of behavioral interventions in promoting the adoption of e-payments and e-commerce. The main contribution of this study lies in integrating large-scale national survey data with experimental approaches to provide a deeper understanding of digital adoption among MSMEs. Unlike previous studies focusing solely on socio-economic determinants, this research incorporated a digital nudging experiment to examine how targeted incentives influenced e-commerce participation. The findings revealed that digital transformation significantly enhanced MSME performance, particularly in turnover, product volume, customer base, and worker productivity. Socio-economic factors such as gender, household head status, and social media access significantly influenced digital adoption decisions. Behavioral nudging proved effective in increasing MSME participation in e-commerce. Although this study was limited to Susenas 2022 data and survey responses, it bridges a critical research gap by linking socio-economic factors with behavioral interventions in MSME digitalization. The findings offer key insights for policymakers in formulating evidence-based strategies to drive MSME digital transformation and e-commerce growth in Indonesia.

This paper aims to develop a holistic framework for the Maqasid al-Shariah in Responsible Investment (MSRI) index for selected publicly listed companies in the Malaysian capital market. To test the validity of the MSRI framework, a sample of 30 publicly listed companies from 2021 was selected using purposive sampling. The framework consists of eight themes with forty-five elements to evaluate companies based on their annual reports, sustainability reports, and public disclosures. The scores are classified into three categories: Shariah compliant, Shariah non-compliant, and Hajiyyat. Out of the 30 selected companies, the summary of MSRI scores concludes that twenty (20) companies were identified as Shariah compliant, while the remaining four (4) were classified as Shariah non-compliant, and six (6) as Hajiyyat. Overall, the results of the analyses show that the sustainability of the company and society has a higher percentage than the wealth preservation of companies. This research differs substantially from prior work by offering a novel approach that develops a holistic framework integrating Maqasid al-Shariah with elements of responsible investment. This study believes it can provide valuable guidance for formulating Islamic investment public policy for selected investment portfolios.

In light of swift urbanization and the lack of precise land use maps in urban regions, comprehending land use patterns becomes vital for efficient planning and promoting sustainable development. The objective of this study is to assess the land use pattern in order to catalyze sustainable township development in the study area. The procedure adopted involved acquiring the cadastral layout plan of the study area, scanning, and digitizing it. Additionally, satellite imagery of the area was obtained, and both the cadastral plan and satellite imagery were geo-referenced and digitized using ArcGIS 9.2 software. These processes resulted in reasonable accuracy, with a root mean square (RMS) error of 0.002 inches, surpassing the standard of 0.004 inches. The digitized cadastral plan and satellite imagery were overlaid to produce a layered digital map of the area. A social survey of the area was conducted to identify the specific use of individual plots. Furthermore, a relational database system was created in ArcCatalog to facilitate data management and querying. The research findings demonstrated the approach's effectiveness in enabling queries for the use of any particular plot, making it adaptable to a wide range of inquiries. Notably, the study revealed the diverse purposes for which different plots were utilized, including residential, commercial, educational, and lodging. An essential aspect of land use mapping is identifying areas prone to risks and hazards, such as rising sea levels, flooding, drought, and fire. The research contributes to sustainable township development by pinpointing these vulnerable zones and providing valuable insights for urban planning and risk mitigation strategies. This is a valuable resource for urban planners, policymakers, and stakeholders, enabling them to make informed decisions to optimize land use and promote sustainable development in the study area.

Background: In healthcare, research is essential for improving disease diagnosis and treatment, patient outcomes, and resource management, while fostering evidence-based practice. However, conducting research in this sector can be challenging, and healthcare workers may face various obstacles while engaging in research activities. Therefore, understanding healthcare workers’ attitudes toward research participation is essential for overcoming barriers and increasing research engagement. In this study, these aspects are examined through the analysis of survey data from a tertiary healthcare institution in Saudi Arabia. Method: Data obtained via a survey conducted between April and November 2022 among the healthcare workers and employees at a tertiary care hospital in Saudi Arabia were analyzed using descriptive and bivariate statistics. Results: The study sample comprised 713 respondents, 61.71% of whom were female, 58.06% were 26–41 years old, and 72.93% had not undertaken any research as employees or affiliates. A significant association was noted between age group and time constraints (p = 0.004) and lack of opportunity for research (p = 0.00), which were among the identified barriers to research participation. A significant association was also found between gender and barriers to pursuing research (p = 0.012). When the 193 (27.07%) participants who conducted research were asked about the challenges they encountered during this process, gender was significantly associated with difficulties in allocating time for conducting research (p = 0.042) and challenges in accessing journals and references (p = 0.016). Conclusion: The study findings highlight the importance of addressing the barriers and challenges in promoting positive attitudes toward research participation among healthcare workers considering their gender and age. In this manner, healthcare institutions can adopt an environment conducive for professional research engagement.

Overwhelming studies unanimously agreed that preservation of the environment is a central climax in the discourse of green banking. There is a growing interest in exploring green banking practices for fostering financial inclusion, economic growth and sustainable development as part of Vision 2030 in Saudi Arabia. There are insufficient studies that examine this in the context of Saudi Arabia. This study aims at exploring the potential of green banking in order to attain sustainable banking and financial inclusion in achieving vision 2030in the country. Qualitative content analysis is used as a methodology of the study. Data were gathered through different sources such as: Web of Science (WOS), related journals, newspapers, published references, research papers, library sources and environmental organizations reports. It is indicated that green banking initiatives can be instrumental in fostering sustainable economic and environmental development in the Kingdom. The paper highlighted various activities of green banking such as: renewable and clean energy, financing green agriculture/food security, high-quality infrastructure among others. Nonetheless, some impediments to the green banking practices such as: risks facing green banks, poor quality of financial services among others are also mentioned in this paper. The paper proffers solutions to the challenges impeding green banking practices. In conclusion, the financial and banking industries in Saudi Arabia has been proving reform of the sector through greening economy. It is there suggested that the stakeholders and policymakers should provide efficient and effective technical, operational legal frameworks for enhancing green economy in achieving Vision 2030 in the country.

The small and medium tourism enterprises sector has experienced a decline in Indonesia’s economic conditions in recent years. This research aims to advise stakeholders regarding factors that must be considered and included in future policy formulation. The research methodology is a mixed method supported by the N-Vivo computer program, interview studies, and FGD. This research focuses on four tourism provinces in Indonesia. The research results using thematic analysis identified 133 codes, 19 categories, nine core themes, and one impact theme. This research’s novelty highlights that government policy’s effects on tourism SME marketing are not significant due to weak support. Apart from that, partnerships and collaboration between the central regional government and tourism SMEs are the main factors determining their development at the regional level. This research concludes that government intervention and support in encouraging the growth and sustainability of tourism SMEs are necessary. The Government must promote collaboration between tourism SMEs because increasing the number of tourists is crucial, as well as encouraging sustainable marketing practices and simplifying regulations. The recommendation is that the Government immediately simplify regulations, expand partnerships and collaboration, and promote innovation in tourism SMEs. By implementing these recommendations, policymakers can create an environment that supports the development of tourism SMEs, allowing the tourism sector to increase GRDP.