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.

In this paper, all the forests, woodlands and trees in the administrative area of Zhaoling Township in Chuzhou City of Huai'an City were collected and analyzed. The total area of the administrative area is 4852 hectares, the forest coverage rate is 22.07%, and the forest greening rate is 26.13%. This index has exceeded 20% of the forest coverage rate of the well - off society. Tree species is particularly serious. In the forest system (pure forest), the area of pure forest of poplar is accounted for 99.9% of the whole forest area. In the four tree systems, the number of poplar trees accounted for 80% of the total number of trees in the whole tree, and the total amount of poplar trees accounted for 98%. The poplar pure forest age group structure disorders, the unit area is low. The ratio of total area of poplar pure forest in Zhongling and young forests was 92.9%, and the ratio of total area of poplar pure forest and mature forest was 7.1%. The ratio of mature forest and the ratio of mature forest was 0.7%, and the proportion of each group was obviously abnormal.

Objectives: The unprecedented COVID-19 pandemic has intensified the stress on blood banks and deprived the blood sources due to the containment measures that restrict the movement and travel limitations among blood donors. During this time, Malaysia had a significant 40% reduction in blood supply. Blood centers and hospitals faced a huge challenge balancing blood demand and collection. The health care systems need a proactive plan to withstand the uncertain situation such as the COVID-19 pandemic. This study investigates the psychosocial factors that affect blood donation behavior during a pandemic and aims to propose evidence-based strategies for a sustainable blood supply. Study design: Qualitative design using focus group discussion (FGD) was employed. Methods: Data were acquired from the two FGDs that group from transfusion medicine specialists (N = 8) and donors (N = 10). The FGD interview protocol was developed based on the UTM Research Ethics Committee’s approval. Then, the data was analyzed using Nvivo based on the General Inductive Approach (GIA). Results: Analysis of the text data found that the psychology of blood donation during the pandemic in Malaysia can be classified into four main themes: (i) reduced donation; (ii) motivation of donating blood; (iii) trends of donation; and (iv) challenges faced by the one-off, occasional, and non-donors. Conclusions: Based on the emerging themes from the FGDs, this study proposes four psycho-contextual strategies for relevant authorities to manage sustainable blood accumulation during the pandemic: (1) develop standard operating procedure for blood donors; (2) organize awareness campaigns; (3) create a centralized integrated blood donors database; and (4) provide innovative Blood Donation Facilities.

This article delves into the controversial practice of utilizing a student’s first language (L1) as a teaching resource in second language (L2) learning environments. Initially, strategies such as code-switching/code-mixing and translanguaging were considered signs of poor linguistic ability. There was a strong push towards using only the target language in foreign language education, aiming to limit the first language’s interference and foster a deeper immersion in the new language. However, later research has shown the benefits of incorporating the first language in bilingual education and language learning processes. It’s argued that a student’s knowledge in their native language can actually support their comprehension of a second language, suggesting that transferring certain linguistic or conceptual knowledge from L1 to L2 can be advantageous. This perspective encourages the strategic use of this knowledge transfer in teaching methods. Moreover, the text points to positive results from various studies on the positive impact of L1 usage in L2 classrooms. These insights pave the way for further exploration into the application of the first language in adult English as a Second Language (ESL)/English as a Foreign Language (EFL) education, particularly regarding providing corrective feedback.

Science, technology, engineering, and mathematics (STEM) education is a global priority, but effective implementation faces challenges. This bibliometric study analyzed the results of Indonesian STEM education research to elucidate publication and contributor patterns. The Scopus database was searched for Indonesian STEM education publications from 2019–2023 and produced 52 documents from 23 sources. The analysis found a negative average growth rate of −5.43%, with a peak of 14 releases in 2020, possibly related to the COVID-19 pandemic. Although the output was relatively limited, the diversity of sources suggests wide-ranging interest. The leading authors were identified based on their productivity and impact on citation, with Wahono. emerging as the most influential worldwide. Universitas Pendidikan Indonesia was an institutional leader. The Journal of Physics Conference series dominated the contributions and emphasized the role of conference proceedings. Examination of the citations and text frequencies revealed key themes that include technology, engineering, pedagogy, and skills of the 21st century. Several widely cited works ensured international visibility. In general, this bibliometric analysis quantitatively mapped the landscape of Indonesian STEM education research, finding a decline in performance but a strong foundation of committed institutions and authors. The sustainability of production and impact requires targeted policies based on insight into existing strengths, productive scholars, and influential publications. The results provide an empirical basis for practices and policies for the effective development of STEM education in Indonesian schools.

Sustainable ocean tourism is required to establish a balance between the environmental, economic, social and cultural aspects of ocean tourism development. Sustainable ocean tourism also contributes to local and national economies, enhancing the quality of social life and protecting the ecology. Sustainable ocean tourism expands the positive contribution of tourism to biodiversity conservation and poverty reduction and aims to attain the common goals of sustainable developments for ocean tourism. Sustainable ocean tourism is possible due to the roles of regulators and private and government institutions. Government policies, regulations and guidelines play vital roles towards achieving the sustainability of ocean tourism. However, the role of institutions also cannot be ignored, which provide support in the innovation of technologies and the implementation of policies. The paper targets to investigate the roles of regulations, policies and institutions in the sustainability of ocean tourism. A primary online survey on the perception of tourism experts was conducted for this study using Google Forms. The tourism experts were invited from all over the world to participate in the survey. The study received a total of 33 responses, out of which only 30 valid responses were considered. Using the Tobit regression model, the study found that, while regulations in India relative to foreign countries significantly boost the sustainability of ocean tourism, government policies and public institutions in India relative to foreign countries remain insignificant in predicting the sustainability of ocean tourism. Therefore, government policies and public institutions in India need to be revised and reformulated to make them important drivers of the sustainability of ocean tourism.