Crowd humanitarian fund, otherwise termed as mutual fund, has overwhelmingly been discussed by many scholars and researchers in western countries. There is obscurity in existing literature in Islamic countries with respect to the interconnectedness between various Islamic financial concepts within the Islamic legal framework and the conceptualization of crowd humanitarian funds. The primary objective of this paper is to address this obscurity by investigating the perspectives of middle- and high-skilled workers among members of the Organization of Islamic Cooperation (OIC) with respect to the crowd humanitarian fund. Hence, the central research question (CRQ) was formulated as follows: How do the middle and high-skilled workers perceive the generation of crowd-humanitarian funds for the purpose of helping the less privileged citizens in Organization of Islamic Cooperation (OIC) countries? The qualitative method was used as the methodology of the study. In order to collect data for the study, an open-ended interview was employed, and a total of 22 participants were interviewed. Three major themes were generated from the interview, namely: An overview of crowd humanitarian funds, categories of less privileged people in OIC countries, and the use of humanitarian funds for poverty reduction. The findings indicated that the traditional method of collecting funds from crowds is to assist with any humanitarian issue is still applicable in many Muslim countries. In addition, the unity in contributing to the humanitarian fund from the crowd, that is, common practice in Muslims’ culture is what Western society terms as crowdfunding. It is further revealed that there are different categories of people, such as the poor, the needy, and people with low incomes, who can benefit from crowdfunding, especially by using it for investment purposes. In addition, crowdfunding is considered an essential monetary relief to less fortunate individuals or communities in order to have a sustainable life. It can also be used for provision of social amenities such as food, shelters, clothes, hospitals, schools, and job opportunities.

The history of organic polymers is a remarkable journey from the discovery of natural materials like rubber and silk to the development of sophisticated synthetic polymers that have transformed industries and modern life. This comprehensive review article presents a detailed account of the evolution of organic polymers. It begins with the early uses of natural polymers and explores key breakthroughs, including the invention of Bakelite, nylon, and neoprene. The theoretical foundations of polymer science, laid by Hermann Staudinger, are discussed, and the post-war surge in polymer development is examined, including the introduction of polyethylene, polypropylene, and PVC. Notable advances in polymer chemistry, such as isotactic polypropylene and silicone polymers, are highlighted. The article also delves into the development of high-performance polymers like Kevlar and carbon-based materials, offering insights into their applications. Moreover, it discusses the current trends in polymer science, emphasizing sustainability and biodegradability. As the world continues to rely on polymers for numerous applications, this review provides a historical perspective and a glimpse into the future of organic polymers, where innovations are expected to shape various aspects of technology, healthcare, and environmental protection.

The aim of the present study was to determine the effects of single and mixed infections of nematode (Meloidogyne javanica), fungus (Fusarium oxysporum) and bacterium (Xanthomonas axonopodis) on nodulation and pathological parameters of Bambara groundnut (Vigna subterrenea (L.) Verdc.) in field condition. Nematode infested field was used while other pathogens were obtained from diseased plants. The Randomized Complete Block Design (RCBD) was adopted in a 5 × 9 × 5 factorial design (5 blocks, 9 treatments and 5 replicates per treatments) resulting in 225 experimental units. In each experimental unit, three seeds were sown to a depth of 5cm and thinned to one plant per planting hole after germination at day 7. Treatments were inoculated into test plant following standard methods. As a result, the control treatment recorded the highest number of nodules (64.0 ± 6.91), followed by bacterium (45.2 ± 5.11) while N + F + B had the lowest number of root nodules (23.4 ± 2.42). Simultaneous treatment (N + F + B) gave the highest percentage reduction in nodulation (63.44%), followed by treatment N + F7 (56.25%). Fungus treatment recorded the highest mean wilted plants (3.8 + 0.20) followed by N + F7 treatment (3.40 + 0.40). Gall formation in the nematode treatment increased proportionately by 56.33% as the highest recorded, followed by treatment N + F7 with 50.0%. Treatment N + F7 had the highest reproduction factor (Rf) value of 9.30 followed by nematode (8.30), N + B7 (7.40), N + F + B (6.80) and N + F14 (6.50). Zero (0) Rf value was recorded in fungus, bacterium and control treatments. The observed differences in nodulation and pathological parameters among the treatments are significant (P < 0.05). The data provided in this work is important in the control of the three pathogens affecting the productivity of Bambara nut. Formulation of a single protectant should be designed to have potent effects on the three pathogens to achieve effective protection and good production of Bambara nut.

Agriculture is a determining factor regarding the development of the Romanian economy, noting its importance for population consumption and as a supplier of raw materials for the relaunch of other industries. Agricultural financing consists of credits granted to natural or legal persons for developing agricultural activities, expanding agricultural holdings, and commercializing agricultural production. The objective of this research is the statistical analysis of the determining factors in granting loans to Romanian farms. The study is based on the content analysis of the accounting reports of the 45 Romanian farms included in the research sample, based on which the profile of the farmer from the selected counties (Alba, Cluj, Mures, Sibiu, Dambovita and Prahova) is outlined. The obtained results highlight the fact that factors such as the requested amount (SUSO) are directly influenced by the worked area (TELU), by the turnover (CIAF), R = 0.6228, but also by the total value of the assets (TOTAL) R = 0.454. At the opposite pole, there is a weak correlation between SUSO and current liquidity (LICU), R = 0.2754, and the value of recorded expenses (CHEL), R = 0.3102. Implementing a credit policy that facilitates access to financing sources would support farms in modernization and development, increasing their competitiveness and general viability.

This article aims to elucidate governance primarily from the perspective of collaboration and leadership in managing disasters. This article studies the case of Indonesia, a country with frequent and complex nature of disasters, located on the Pacific Ring of Fire to analyze its disaster management system and draw out implications from its experience. The method used is a qualitative comprehensive and systematic review from national and international earthquake occurrences. The finding is that Indonesia is simultaneously carrying out disaster management which is not contradictory but complementary. The importance of collaboration is imposed and recommendations are offered on rectifying collaborative activities’ value. Modern leadership strategies suggest that acquire their power from effective strategies and transformational power rather than standard operating procedures. This paper provides lessons on how to organize earthquake management through aspects of collaboration and leadership effectively. The author suggests optimizing the potential of the community by providing special assistance to increase disaster management efforts.

In the realm of modern education, the integration of technology has emerged as a powerful catalyst for transforming traditional classrooms into dynamic and engaging learning environments. This paper provides a concise overview of the multifaceted ways in which technology contributes to enhanced classroom engagement.