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.

Introduction, purpose of the study: In Central Europe, in Hungary, the state guarantees access to health care and basic health services partly through the Semmelweis Plan adopted in 2011. The Health Plan aims to optimize and transform the health system. The objectives of hospital integration, as set out in the Plan, started with the state ownership of municipal hospitals in 2012, continued with the launch of integration processes in 2012–2013 and culminated today. The transformation of a health system can have an impact on health services and thus on meeting the needs of the population. We aim to study the effectiveness of integration through access to CT diagnostic testing. Our hypothesis is that integration has resulted in increased access to modern diagnostic services. The specialty under study is computed tomography (CT) diagnostic care. Our research shows that the number of people receiving CT diagnostic care has increased significantly because of integration, which has also brought a number of positive benefits, such as reduced health inequalities, reduced travel time, costs and waiting lists. Test material and method: Our quantitative retrospective research was carried out in the hospital of Kalocsa through document analysis. The research material was comparing two time periods in the Kalocsa site of Bács-Kiskun County, Southern Hungary. The number of patients attending CT examinations by area of duty of care according to postal codes was collected: Pre-integration period 2014.01.01–2017.11.30. (Kalocsa did not have CT equipment, so patients who appeared in Kecskemét Hospital but were under the care of Kalocsa), post-integration period 2017.12.01–2019.12.31. (period after the installation of CT in Kalocsa). The target group of the study consisted of women and men together, aged 0–99 years, who appeared for a CT diagnostic examination. The study sample size was 6721 persons. Linear regression statistics were used to evaluate the results. Based on empirical experience, a SWOT analysis was carried out to further investigate the effectiveness of integration. Results: As a result of the integration, the CT scan machine purchased in the Kalocsa District Hospital has enabled an average of 129.7 patients per month to receive CT scans on site without travelling. The model used is significant, explaining 86% of the change in the number of patients served (F = 43.535; p < 0.001, adjusted R² = 0.860). The variable of integration in the model is significant, with an average increase in the number of patients served of 129.7 per month (t = 22.686; p < 0.001) following the introduction of CT due to integration. None of the month variables representing seasonal effects were found to be significant, with no seasonal effect on care. The SWOT analysis has clearly identified the strengths, weaknesses, opportunities and threats related to the integration, the main outcome of which is the acquisition of a CT diagnostic tool. Conclusions: Although we only looked at one segment of the evidence for the effectiveness of hospital integration, integration in the study area has had a positive impact on CT availability, reducing disparities in care.

Fruits are a source of vitamins. Mango is one of the abundantly nutritional fruits. Vitamin B9, or folic acid, is one of the important vital amines due to its role in preventing neural deficiency. Several beneficial micro-organisms are used for the synthesis of folic acid. In this study, Lactobacillus acidophilus, Leuconostoc mesenteroides, Streptococcus thermophilus, and Saccharomyces cerevisiae were used. Saccharomyces cerevisiae synthesized folic acid as compared to other organisms. There were five different concentrations of mango pulp that were analyzed for folic acid synthesis (5%, 10%, 15%, 20%, and 30%). The initial concentration of pulp was 133.37 mg kg⁻¹, but after fermentation with four micro-organisms it got reduced. As compared to the other three organisms, Saccharomyces cerevisiae synthesizes 17.15 mg kg⁻¹, 30.14 mg kg⁻¹, 28.62 mg kg⁻¹, 21.70 mg kg⁻¹, and 21.78 mg kg⁻¹, respectively, at different pulp concentrations of 5%, 10%, 15, 20%, and 30%. Vitamin C increased to 320 mg as compared to the control, and there was no significant difference between the four micro-organisms. Antioxidants also showed positive results at different concentrations of pulp. There was an increase in titratable acidity and a decrease in pH recorded for the 24 h fermentation period. In this variety, the color of mango pulp slightly changes to yellow shades due to the breakdown of pigments, so this effects the *b value in between the pulp concentrations. Data supports the enrichment of folic acid, which will further support the utilization of beneficial micro-organisms in food beverages. 

Background: The COVID-19 pandemic has had a substantial economic and psychological impact on workers in Saudi Arabia. The objective of the study was to assess the effects of the COVID-19 epidemic on the financial and mental well-being of Saudi employees in the Kingdom of Saudi Arabia. Purpose: The COVID-19 epidemic has resulted in significant economic and societal ramifications. Current study indicates that the pandemic has not only precipitated an economic crisis but has also given rise to several psychological and emotional crises. This article provides a conceptual examination of how the pandemic impacts the economic and mental health conditions of Saudi workers, based on contemporary Structural Equation Modeling (SEM) models. Method: The current study employed a qualitative methodology and utilized a sample survey strategy. The data was gathered from Saudi workers residing in major cities of Saudi Arabia. The samples were obtained from professionals such as managers, doctors, and engineers, as well as non-professionals like unskilled and low-skilled laborers, who are employed in various public and private sectors. A range of statistical tools, including Descriptive statistics, ANOVA, Pearson’s Correlation, Factor analysis, Reliability test, Chi-square test, and regression approach, were employed to analyze and interpret the results. Result: According to the data, the pandemic has caused a wide range of economic problems, including high unemployment and underemployment rates, income instability, and different degrees of pressure on workers to find work. Feelings of insecurity (about food and environmental safety), worry, dread, stress, anxiety, depression, and other mental health concerns have been generated by these challenges. The rate of mental health decline differs among demographics. Conclusions: The COVID-19 pandemic has universally affected all aspects of our lives worldwide. It resulted in an extended shutdown of educational institutions, factories, offices, and businesses. Without a question, it has profoundly transformed the work environment, professions, and lifestyles of billions of individuals worldwide. There is a high occurrence of poor psychological well-being among Saudi workers. However, it has been demonstrated that both economic health and mental health interventions can effectively alleviate the mental health burden in this population.

 This study explores the primary drivers influencing sustainable project management (SPM) practices in the construction industry. This research study seeks to determine whether firms are primarily motivated by external pressures or internal values when embracing SPM practices. In doing so, this study contributes to the ongoing discourse on SPM drivers by considering coercive pressures (CP), ethical responsibility (ER), and green transformational leadership (GTL) as critical enablers facilitating a firm’s adoption of SPM practices. Based on data from 196 project management practitioners in Pakistan, structural equation modeling (PLS-SEM) was employed to test the hypothesized relationships. Results highlight that CP influences the management of sustainability practices in construction projects, signifying firms’ concern for securing legitimacy from various institutional actors. As an ‘intrinsic value’, ER emerges as a significant motivator for ecological stewardship, driven by a genuine commitment to promoting sustainable development. This study also unveils the significant moderating effect of GTL on the association among CP, ER, and SPM. Lastly, the results of IMPA reveal that ER slightly performs better than CP as it helps firms internalize the essence of sustainability. This research study expands our understanding of SPM drivers in construction projects by exploring the differential impact of external pressures and the firm’s intrinsic values. These findings provide valuable insights for policymakers and practitioners, aiding them in promoting SPM to attain sustainable development goals.

This paper analyses the impact of an integrated business management system on business operations in trade in Republic of Croatia. The integration of management systems provides various benefits to a company, so the aim of this paper is to analyse the impacts of integrated management systems on the business operations of trade companies in the Republic of Croatia. The purpose of this paper is to examine and analyse, but also to adequately theoretically argue the impact of transformational leadership, quality culture, and the degree of integration on the development of integrated management systems. Empirical research investigated integrated management systems in companies in the trade sector in the Republic of Croatia. Based on the set conceptual model and research results, we conclude that companies with a highly developed quality culture have proven management system integration. Our research didn’t confirm the significance of transformational leadership in interpreting changes in the degree of management system integration, but it highlights the positive correlation between the application of quality culture and integration; confirms the substantial impact of integrated management systems on both internal and external benefits, emphasizing its strategic imperative for sustained business success.