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 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 the process of teaching and learning at any stage, the important role of interest guidance cannot be ignored. Especially in college mathematics teaching, mathematical knowledge is very complex and abstract, and most students are unable to effectively understand and master it during the learning process. So it is even more important to fully stimulate students' interest in learning. This article analyzes the significance and current situation of stimulating students' learning interest in university mathematics teaching, and conducts effective strategy analysis. In order to effectively awaken students' desire for knowledge, guide students to change from passive learning to active learning, so that students can continue to grow and progress in this process.

In modern society, English, as an important language, is an indispensable tool for people to communicate and exchange. However, learning English is not limited to knowledge points, grammar and other aspects. With the development and progress of the times and the rapid improvement of the level of science and technology, the problem of how to cultivate students' interests has become increasingly prominent. Interest is the best teacher to learn, and it is also the most effective, direct and lasting way for students to learn English well and improve their level and ability. Cultivating good teaching habits can help us master knowledge and skills better. Starting from the importance of students' interest in learning, this paper discusses how to stimulate students' interest in learning and find the correct teaching methods in order to help students have a strong interest in English learning in class and help them acquire knowledge actively.