This paper investigates the factors influencing credit growth in Kosovo, focusing on the relationship between credit activity and key economic variables, including GDP, FDI, CPI, and interest rates. Its analysis targets loans issued to businesses and households in Kosovo, employing a VAR model integrated into a VEC model to investigate the determinants of credit growth. The findings were validated using OLS regression. Additionally, the study includes a normality test, a model stability test (Inverse Roots AR Characteristic Polynomial), a Granger causality test for short-term relationships, and variance decomposition to analyze variable shocks over time. This research demonstrates that loan growth is primarily driven by its historical values. The VEC model shows that, in the long run, economic growth in Kosovo leads to less credit growth, showing a negative link between it and GDP. Higher interest rates also reduce credit growth, showing another negative link. On the other hand, more foreign direct investment (FDI) increases credit demand, showing a positive link between credit growth and FDI. The results show that loans and inflation (CPI) are positively linked, meaning higher inflation leads to more credit growth. Similarly, more foreign direct investment (FDI) increases credit demand, showing a positive link between FDI and credit growth. In the long term, higher inflation is connected to greater credit growth. In the short term, the VAR model suggests that GDP has a small to moderate effect on loans, while FDI has a slightly negative effect. In the VAR model, interest rates have a mixed effect: one coefficient is positive and the other negative, showing a delayed negative impact on loan growth. CPI has a small and negative effect, indicating little short-term influence on credit growth. The OLS regression supports the VAR results, finding no effect of GDP on loans, a small negative effect from FDI, a strong negative effect from interest rates, and no effect from CPI. This study provides a detailed analysis and adds to the research by showing how macroeconomic factors affect credit growth in Kosovo. The findings offer useful insights for policymakers and researchers about the relationship between these factors and credit activity.

Vietnam has experienced an impressive period of economic growth since implementing an export-oriented economic policy. Vietnam’s international economic integration is deepening, and the output of the export sector has been continuously improved with a double-digit growth rate in recent years, especially in Ho Chi Minh City. Hence, the purpose of this paper is to study the impact of trade liberalization on export intensity of Vietnamese exporters as well as the moderating role of the location. In this study, data was collected from 80 exporters listing in Vietnam stock markets from 2007 to 2022. Further, regression test was carried out by applying GMM model. The results show that trade liberalization outcomes have a positive impact on export intensity. We, however, do not find enough evidence of the moderating effect of the location factor. These findings support Resource-based View theory, and trade liberalization policy. The findings imply that Vietnam government should continue to implement trade liberalization policy to support export sector growth.

As an important component of socialist culture with Chinese characteristics, excellent traditional culture is not only the "cradle" of cultural origin, but also the foundation of advanced socialist culture and ideological and political guidance for students. It is an indispensable part of socialist education. With the advent of the Internet era, it not only poses challenges to the ideological and political education of college students, but also provides opportunities for development. In the new era, by means of new ideas and new methods, integrating fine traditional culture into the course of "Chinese Traditional Flower Arrangement Art" can not only promote the effectiveness and attractiveness of the Chinese traditional flower arrangement art course, but also promote the students' ideological level and recognition of excellent traditional culture, and help students improve their cultural awareness and national self-confidence. Based on this, this article explores the strategy research of integrating cultural confidence into the course of "Traditional Chinese Flower Arrangement Art".

Amidst China’s escalating aging population challenge, the efficacy and quality of private elderly care services are garnering increasing scrutiny. This research focuses on evaluating how service quality and customer perceived value influence the loyalty of elderly clients, with customer satisfaction acting as a mediating factor. Grounded in established service quality frameworks and loyalty theories, the study utilizes a quantitative methodology, administering surveys across eight private elderly care institutions in H city, China. A total of 600 surveys were collected, providing a comprehensive data set that encompasses five dimensions of service quality—tangibility, assurance, responsiveness, reliability, and empathy—as well as customer perceived value, satisfaction, and loyalty. Structural Equation Modeling (SEM) was employed to validate the hypothesized relationships. Findings reveal that service quality significantly boosts customer perceived value and satisfaction, which in turn markedly enhance customer loyalty. Notably, customer satisfaction emerged as a crucial mediator between service quality and loyalty, as well as between perceived value and loyalty. This study not only advances theoretical understanding of service quality impacts but also offers actionable insights for enhancing service delivery and customer loyalty in the context of private elderly care.

In the recent years, with global warming and the change in climatic characteristics, buildings and interior arrangements in dry and cold climates, that previously did not have cooling problems, now require built and pre-planned cooling systems as well as heating. On the other hand, the enormous increase in energy consumption and the rapid depletion of energy resources causes concern and anxiety for future generations. In this regard, utilizing natural resources and incorporating sustainable solutions into building design are critical. Vernacular technical systems and design ideas can still be accepted and applied to create sustainable solutions. In this context, design strategies for energy efficiency and provision of physical and spatial comforts could be considered based on traditional architecture. In this study, sustainable building design solutions that have been used in Iran’s vernacular houses, which has four distinct climate zones, aimed to create a paradigm for the general modern passive house designs in the global context. Traditional Iranian residential architecture incorporates architectural features for physical, spatial, and climatic needs, as well as aesthetic comfort for the user. In this manner, user needs and interior space organization in vernacular residential architecture can be considered as a sustainable housing model that meets today’s technology requirements in passive house design.