To evaluate the efficiency of decision-making units, researchers continually develop models simulating the production process of organizations. This study formulates a network model integrating undesirable outputs to measure the efficiency of Vietnam’s banking industry. Employing methodologies from the data envelopment analysis (DEA) approach, the efficiency scores for these banks are subsequently computed and comparatively analyzed. The empirical results indicate that the incorporation of undesirable output variables in the efficiency evaluation model leads to significantly lower efficiency scores compared to the conventional DEA model. In practical terms, the study unveils a deterioration in the efficiency of banking operations in Vietnam during the post-Covid era, primarily attributed to deficiencies in credit risk management. These findings contribute to heightening awareness among bank managers regarding the pivotal importance of credit management activities.

This study analysed the behaviour of both economic and financial profitability of credit unions belonging to segment 1 in Ecuador, as well as its determinants. For this purpose, data from the financial statements of a sample of 30 credit unions between 2016 and 2022 were used by means of a multiple linear regression methodology using panel data with fixed effects after applying the Hausman test. The findings of this research showed that current liquidity and non-performing loans have a negative and significant effect on both economic and financial profitability while the past due portfolio has a positive and significant impact on the generation of profitability of the financial institutions under study. In addition, it was revealed that the rate of outflow absorption has a negative relationship with economic profitability but a positive relationship with financial profitability. Unlike previous research in the Ecuadorian context, this research is pioneering in presenting results that indicate that the determinants traditionally considered for nonfinancial institutions and banks are also valid for credit unions, even though they are organisations with different characteristics from the rest.

LEED (Leadership in Energy and Environmental Design) is a certification program for quantitatively assessing the qualifications of homes, non-residential buildings, or neighborhoods in terms of sustainability. LEED is supported by the U.S. Green Building Council (USGBC), a nonprofit membership-based organization. Worldwide, thousands of projects received one of the four levels of LEED certification. One of the five rating systems (or specialties) covered by LEED is the Building Design and Construction (BD + C), representing non-residential buildings. This rating system is further divided into eight adaptations. The adaptation (New Construction and Major Renovation) or NC applies to newly constructed projects as well as those going through a major renovation. The NC adaptation has six major credit categories, in addition to three minor ones. The nine credit categories together have a total of 110 attainable points. The Energy and Atmosphere (EA) credit category is the dominant one in the NC adaptation, with 33 attainable points under it. This important credit category addresses the topics of commissioning, energy consumption records, energy efficiency, use of refrigerants, utilization of onsite or offsite renewable energy, and real-time electric load management. This study aims to highlight some differences in the EA credit category for LEED BD + C:NC rating system as it evolved from version 4 (LEED v4, 2013) to version 4.1 (LEED v4.1, 2019). For example, the updated version 4.1 includes a metric for greenhouse gas reduction. Also, the updated version 4.1 no longer permits hydrochlorofluorocarbon (HFC) refrigerants in new heating, ventilating, air-conditioning, and refrigeration systems (HVAC & R). In addition, the updated version 4.1 classifies renewable energy into three tiers, differentiating between onsite, new-asset offsite, and old-asset offsite types.

Regardless of the importance of accreditation and the role faculty play in a such process, not much attention was given to those in dental colleges This study aimed to explore faculty perceptions of accreditation in the College of Dental Medicine and its impact, the challenges that hinder their involvement in accreditation, and countermeasures to mitigate these barriers using a convergent mixed methods approach. The interviewees were faculty who hold administrative positions (purposeful sample). The remaining faculty were invited for the survey using convenience sampling. Quantitative data were analyzed by Mann-Whitney and Kruskal-Wallis tests at 0.05 significance. A consensus was achieved on the positive impact of accreditation with an emphasis on the collective responsibility of faculty for the entire process. Yet their involvement was not duly recognized in teaching load, promotion, and incentives. Quality Improvement and Sustainability Tools and Benchmarking were identified as common themes for the value of accreditation to institutions and faculty. Global ranking and credibility as well as seamless service were key themes for institutional accreditation, while education tools and guidance or unifying tools were central themes for faculty. Regarding the challenges, five themes were recognized: Lack of Resources, Rigorous Process, Communication Lapse, Overwhelming Workload, and Leadership Style and Working Environment. To mitigate these challenges, Providing Enough Resources and Leadership Style and Working Environment were the identified themes. This research endeavors to achieve a better understanding of faculty perceptions to ease a process that requires commitment, resources, and readiness to change.

The research aims to examine East Nusa Tenggara (NTT) bank service digitalization innovations and examine several implications of bank service digitalization innovations. This research uses a qualitative approach with data collection techniques: in-depth interviews, documentation, and focused discussions. The key informants in this research were the board of commissioners, directors, division heads, and NTT bank employees. The findings of this research are, first, the existence of an existing/generic model in the operational, supporting, and monitoring fields of NTT banks. Second, there is an innovation model for digitizing services and efforts to popularize the digitization of NTT bank services to the government-private sector, including micro, small, and medium enterprises (MSMEs), religious institutions, educational institutions, students and students as well as the broader community to provide easy access to sources of financing for the community, Eliminate regional tax leakage, encourage the development of micro, small, and medium enterprises (MSMEs) and assisted village farmers/breeders, provide entrepreneurial opportunities for the community, namely as a digital agent for NTT bank, minimize fraudulent behavior (shirking) in credit distribution. Third, service digitalization innovation uses a contextual sociolinguistic approach because it incorporates local and global vocabulary such as Bpung Mobile, Bpung Farmer, Lopo Dia Bisa, and Bpinjam. Fourth, service digitalization innovation refers to OJK regulations regarding banking digital transformation contained in RP 21 and PBI number 23/26/2021. Fifth, conventional services (hybrid approach) still accompany the digitalization innovation model. Sixth, Bank NTT is in quadrant III, namely growth. Bank NTT continuously optimizes existing resources by taking advantage of opportunities to increase business growth and continues to mitigate threats into opportunities and strengths. The implications of the innovation in digitizing NTT bank services include updating standard operating procedures (SOP), changing corporate culture from Flobamora to Bintang, and accelerating the increase in human capital capacity. The implications of research on bank management refer to the innovation of procurement of new IT systems. Banks can increase their attention to service quality and maintain customer trust to maintain the quality of digital banks among customers. Moreover, with post-COVID-19 conditions that require people to make digital transactions. With the changes in the financial industry towards digitalization, it is necessary to strengthen risk management in financial service institutions. The implications of the research results for policymakers need to be considered in the transformation towards digital banking related to equitable internet access in Indonesia, cybersecurity, and employment. Recommendations for future research are the importance of studying the determinants of digital service innovation in bank services, such as transformational leadership style, good corporate governance, and organizational commitment.

The Middle East and North Africa (MENA) region faces unique challenges and opportunities in integrating sustainability into sovereign credit assessments. This research study examines environmental, social, and governance (ESG) factors embedded in the lending policies of jurisdictional institutions in MENA. By analyzing existing literature and case studies, we identify key drivers and barriers to ESG integration in sovereign lending. Our findings suggest a growing recognition of sustainability’s importance in financial stability and credit, driven by global climate guarantees and local socio-economic development. However, challenges such as data availability, regulatory frameworks, and market acceptance persist. This paper provides an overview of current practices, highlights best practices, and offers recommendations to enhance ESG integration in sovereign debt reviews in the MENA region. The study concludes that a robust ESG framework is necessary to accurately reflect the long-term risks and opportunities associated with sovereign debt, ultimately contributing to sustainable economic growth regionally.