Using the unified theory of acceptance and use of technology (UTAUT), this study investigated the effect of perceived usefulness, perceived ease of use, social influence, facilitating condition, lifestyle compatibility, and perceived trust on both the intention to use and adoption of an e-wallet among adults. This quantitative study employed a cross-sectional research technique to collect data from 501 respondents via Google Form. The acquired data was assessed using partial least squares structural equation modelling (PLS-SEM). Therefore, perceived usefulness, perceived simplicity of use, social influence, lifestyle compatibility, and perceived trust all had a strong positive impact on both intentions to use and adoption of an e-wallet. This study demonstrated that the intention to use an e-wallet mediated the links between predictors and e-wallet adoption. Respondents’ age and gender moderated the effect of lifestyle compatibility on their intention to use an e-wallet. The study’s findings can assist managers and policymakers establish successful ways that capture customers’ intention to use and experience with employing an e-wallet amid a tumultuous market. Finally, such well-crafted policies may stimulate the digital platform and web-based apps, as well as raise e-wallet acceptance rates in undeveloped countries.

Personality traits refer to enduring patterns of emotions, behaviors, and thoughts that shape an individual’s distinct character, influencing how they perceive and engage with their environment. This quantitative study aims to underscore the influence of personal factors and the role of educational institutions in mapping sustainable green entrepreneurial intentions among university students in Saudia Arabia. To examine the impact of personality traits and entrepreneurship education on students’ green initiatives, the research employs a quantitative research method, collecting data through a structured questionnaire survey from 494 participants who enrolled in the entrepreneurship education at King Faisal University. Structural equation modeling via SmartPLS 3 is employed for data analysis. The study reveals significant associations between the need for achievement, proactiveness, risk-aversion, self-efficacy, and entrepreneurship education with green entrepreneurial intentions. Our research findings demonstrate that the inclusion of entrepreneurship education in the curriculum has a noteworthy and favorable influence on the intention to engage in green entrepreneurship (β = −0.105, t = 3.270, p < 0.001). Additionally, it is worth noting that the desire for achievement remains significantly associated with the intention to engage in green entrepreneurship (β = 0.120, t = 3.588, p < 0.000). Furthermore, the proactive behavior of individuals has a positive and constructive impact on the intention to engage in green entrepreneurship (β = 0.207, t = 4.272, p < 0.000). Similarly, the inclination to avoid risk is found to have a beneficial and significant influence on the intention to engage in green entrepreneurship (β = 0.336, t = 4.594, p < 0.000). Lastly, it is worth highlighting that individuals’ belief in their own abilities, referred to as self-efficacy, is positively and significantly linked to the intention to engage in green entrepreneurship (β = 0.182, t = 2.610, p < 0.009). The research carries social, economic, and academic implications by emphasizing the positive contribution of green entrepreneurs to the future. Practical recommendations for policymakers and decision-makers are provided.

The telecommunications sector is crucial in a country’s economy. The advancements in information and communication technology have had a significant impact on this sector, particularly in the electronic transactions domain. The utilization of electronic transactions in the telecommunications sector can yield substantial benefits, including increasing non-tax state revenue and economic development in Indonesia. The Covid-19 pandemic has served as a catalyst for the sharp rise in internet usage and telecommunications services, such as work-from-home, distance learning, online shopping or payments, industrial digitization, telemedicine, and others. Consequently, digital transformation has accelerated, necessitating the equitable distribution of Information and Communication Technology (ICT) in Indonesia. The utilization of electronic transactions has directly contributed to the increase in state revenue from non-tax sector, particularly in the telecommunications sector. This can be observed through the continuous growth of non-tax revenue achieved by the Ministry of Communication and Informatics, surpassing the set targets each year in terms of realized value. The objective of this research is to analyze the effectiveness, challenges, and impacts of electronic transactions in increasing non-tax state revenue, in order to generate policy recommendations in Indonesia. This study uses a normative juridical method, analyzing positive legal provisions. Data sources were obtained from three types of legal materials, and data collection was conducted both online and offline. The research results indicate that the utilization of electronic transactions can increase non-tax state revenue in the telecommunications sector through various forms such as telecommunications bill payments, e-commerce transactions, sales of prepaid credit and data packages, telecommunications devices, digital services, content delivery, and transaction monitoring and oversight.

Investors and company managements often rely on traditional performance evaluation indicators, such as return on equity, return on assets, and other financial ratios, to explain changes in a company’s market value added (MVA). However, the effectiveness of these traditional measures in explaining market value fluctuations remains uncertain. This research aims to investigate the impact of various profitability measures, namely return on equity, gross profit margin, operating profit margin, and return on assets, on explaining changes in the MVA of pharmaceutical and chemical companies listed on the Amman Stock Exchange. To achieve the study’s objectives, we analyzed the published financial statements of a sample consisting of 14 industrial companies out of a total of 53 companies listed on the Amman Stock Exchange during the period from 2008 to 2022. Relevant financial indicators were extracted from these statements to serve the purposes of the study. Correlation coefficients were employed to measure the extent to which the independent variables (profitability measures) could interpret changes in the dependent variable (MVA). One of the most significant findings of the study is that three dimensions of profitability measures have a statistically significant impact on explaining changes in the MVA of pharmaceutical and chemical companies listed on the Amman Stock Exchange, albeit to varying degrees. This suggests that traditional profitability measures still play a crucial role in influencing market perceptions of a company’s value, despite the potential limitations of these measures in capturing the full scope of a company’s performance and potential.

In Ghana, youth unemployment remains significant challenges, with technical and vocational education and training (TVET) emerging as a potential solution to equip young people with practical skills for the job market. However, the uptake of TVET programmes among Ghanaian youth remains low, particularly among females. This study therefore explores the determinants that influence TVET choices among Ghanaian youth, with the goal of informing policy development to enhance participation in vocational education. Applying an enhanced multinomial logistic regression (MLR) model, this research examines the influence of socio-economic, demographic, and attitudinal factors on career decisions. The enhanced model accounts for class imbalances in the dataset and improves classification accuracy, making it a robust tool for understanding the drivers behind TVET choices. A sample of 1600 Ghanaian youth engaged in vocational careers was used, ensuring diverse representation of the population. Key findings reveal that males are approximately three times more likely to choose TVET programs than females, despite females making up 50.13% of Ghana’s population. Specific determinants influencing TVET choices include financial constraints, parental influence, peer influence, teacher influence, self-motivation, and vocational limitations. In regions with limited vocational options, youth often pursue careers based on availability rather than preference, which highlights a gap in vocational opportunities. Parental and teacher influences were found to play a dominant role in steering youth towards specific careers. The study concludes with recommendations for policymakers, instructors, and stakeholders to increase the accessibility, relevance, and quality of TVET programmes to meet the socio-economic needs of Ghanaian youth.

This paper investigates the implementation of ijarah muntahiyah bittamlik (IMBT) as an infrastructure project financing scheme within the Public-Private Partnership (PPP) models from a collaborative governance perspective. This paper follows a case study methodology. It focuses on two Indonesian non-toll road infrastructure projects, i.e., the preservation of the East Sumatra Highway projects, each in South Sumatra province and Riau province. The findings revealed that Indonesia’s infrastructure development priorities and its vision to become a global leader in Islamic finance characterized the system context that shaped the implementation of IMBT as an infrastructure project financing scheme within the PPP-AP model. Key drivers include leadership from the government, stakeholder interdependence, and financial incentives for the partnering business entity to adopt off-balance sheet solutions. Principled engagement, shared motivation, and the capacity for joint action characterized the collaboration dynamics, leading to detailed collaborative actions crucial for implementing IMBT as a financing scheme.