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.

One significant importance of street vending in South Africa is its role in providing livelihoods and economic opportunities, especially for marginalized and vulnerable populations. However, Street vendors, particularly those selling agricultural commodities, face numerous challenges. Street vending in Moletjie Mmotong is a vital source of income and employment, offering affordable goods and services, including food, clothing, and household items. One potential solution is online selling, but there is limited knowledge about it in the informal sector. This study aims to analyze the factors affecting street vendors’ willingness to sell fruits and vegetables online in Moletjie Mmotong under Polokwane Municipality. Data was collected from 60 street vendors using a questionnaire and simple random sampling. Descriptive statistics identified and described the socio-economic characteristics of the vendors, while a binary logistic regression model analyzed the factors influencing their willingness to sell online. The study found that age, education level, gender, household size, and access to online selling information significantly influenced their willingness to sell online. The findings highlight the potential benefits of online selling for street vendors, such as increased sales and a broader customer base. The study recommends that governments provide training and workshops on online selling, develop educational programs, distribute educational materials, and create marketing strategies to support street vendors in transitioning to online platforms.

This research was conducted using a survey research method to investigate the influence of Artificial Intelligence (AI) on Nigerian students' academic performances in tertiary institutions. Nigerian tertiary institutions have an estimated population of about 2.5 million students across the universities, polytechnics, monotechnics, and colleges of education. A sample size of 509 was used. The researchers adopted an online questionnaire (Google Form) to administer questions to respondents across Nigeria to elicit responses from the respondents bordering on their awareness and the use of AI and its attendant impacts on their academic performance. Five research objectives were raised for the proper investigation of this study. From the findings of the study, the researchers found that the majority of Nigerian students use AI and that AI has positive impacts on the educational performance of Nigerian students. It was also found that Nigerian students have training on the use of AI for educational purposes and that they are more familiar with Snapchat AI and ChatGPT. Conclusively, AI is useful to students in the sense that it enhances their knowledge of their courses, improves their learning and speaking skills, and helps them to have a quick understanding of their course by way of simplifying technical aspects of their courses. The researchers therefore recommend as follows: Nigerian tertiary institutions should formally train students as well as teachers on the use of AI for academic purposes so that they can understand the ethical implications of the use of AI. Using AI for writing could be interpreted to mean examination malpractice, and this should not be condoned in the educational sector; however, at the moment, a small number of students used AI for examinations. Albeit, the appropriate use of AI should be fully integrated into Nigerian tertiary institutions' curricula.

This study, drawing on the Knowledge-Based View (KBV) and Contingency Theory, explores how analyzer strategic orientation, learning capability, technical innovation, administrative innovation, and SME growth and learning effectiveness are interrelated. Analyzing cross-sectional data from 407 founders, cofounders, and managers of trade and service SMEs in Vietnam’s Southeast Key Economic Region through PLS-SEM, the research demonstrates that analyzer orientation positively impacts both technical and administrative innovation, thereby bolstering SME growth and learning effectiveness. However, learning capability does not significantly impact technical innovation or growth and learning effectiveness. Instead, learning capability negatively affects administrative innovation. Notably, technical and administrative innovations act as mediators between analyzer orientation and SME growth and learning effectiveness. The study provides practical insights tailored for SMEs navigating dynamic market environments like Vietnam, enriching theoretical understanding of SME strategic management within the trade and service sector.

In older adults with disabilities, muscle weakness reduces mobility and causes postural issues. Electrical muscle stimulation (EMS) training is effective for increasing strength by inducing involuntary skeletal muscle contractions. Thus, this study aimed to examine changes in lumbar movement, muscle activity during walking, and maximum muscle strength of lower-limb joints based on an 8-week EMS exercise program for older adults with physical disabilities. Sixteen older adults (aged 56–78 years) with physical disabilities were selected and randomly assigned to either the exercise group (EG, n = 8) or the control group (CG, n = 8). EG participants were instructed to wear EMS suits and participate in an elastic band and bare-body exercise program, whereas CG participants performed the exercise program without the EMS suits. Lumbar range of motion (ROM), body circumference, partial volume, maximum muscle strength, and muscle activity were measured. Statistical analysis was performed using SPSS 28.0 for Windows, with the critical value of α = 0.05. Compared to CG participants, EG participants had a superior ROM, body volume, partial volume, maximum muscle strength (knee joints), and muscle activity while walking. These positive outcomes highlight the efficacy of combining EMS with an exercise program for strength and rehabilitation training in older adults with physical disabilities.

To study the environment of the Kipushi mining locality (LMK), the evolution of its landscape was observed using Landsat images from 2000 to 2020. The evolution of the landscape was generally modified by the unplanned expansion of human settlements, agricultural areas, associated with the increase in firewood collection, carbonization, and exploitation of quarry materials. The problem is that this area has never benefited from change detection studies and the LMK area is very heterogeneous. The objective of the study is to evaluate the performance of classification algorithms and apply change detection to highlight the degradation of the LMK. The first approach concerned the classifications based on the stacking of the analyzed Landsat image bands of 2000 and 2020. And the second method performed the classifications on neo-images derived from concatenations of the spectral indices: Normalized Difference Vegetation Index (NDVI), Normalized Difference Building Index (NDBI) and Normalized Difference Water Index (NDWI). In both cases, the study comparatively examined the performance of five variants of classification algorithms, namely, Maximum Likelihood (ML), Minimum Distance (MD), Neural Network (NN), Parallelepiped (Para) and Spectral Angle Mapper (SAM). The results of the controlled classifications on the stacking of Landsat image bands from 2000 and 2020 were less consistent than those obtained with the index concatenation approach. The Para and DM classification algorithms were less efficient. With their respective Kappa scores ranging from 0.27 (2000 image) to 0.43 (2020 image) for Para and from 0.64 (2000 image) to 0.84 (2020 image) for DM. The results of the SAM classifier were satisfactory for the Kappa score of 0.83 (2000) and 0.88 (2020). The ML and NN were more suitable for the study area. Their respective Kappa scores ranged between 0.91 (image 2000) and 0.99 (image 2020) for the LM algorithm and between 0.95 (image 2000) and 0.96 (image 2020) for the NN algorithm.