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.

I summarize the current regulatory decisions aimed at combating the debt load of the population in Russia. Further, I show that the level of delinquency of the population on loans is growing despite the regulatory measures taken. In my opinion, the basis of regulatory policy should move from de facto pushing personal bankruptcies to preventing them. I put forward a hypothesis and statistically prove the expediency of quantitative restrictions on one borrower. It is necessary to introduce reports to the credit bureaus of some types of overdue debts, which are not actually reported now. It is also necessary to change the order of debt repayment established by law, allowing the principal and current interest to be paid first, which will prevent the expansion of the debt.

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.

As an important type of knowledge, standards are key factors in economic development and technological innovation. To analyze the impact of participation in standards development on enterprise performance, this study takes China’s high-tech industry as an example. We use the operating data of listed enterprises in the industry in 2019 and conduct the propensity score matching method matching analysis on the entire sample and the classification. The conclusion shows: From an overall point of view, the participation of enterprises in the development of standards has a positive impact on the enterprise’s return on total assets. Specifically, participating in the development of over three standards can also improve the return on total assets. Large enterprises can increase the return on total assets of the enterprise and the return on invested capital. The state-owned enterprises have a positive effect on the return on total assets of the enterprise. Enterprises in the western, central, and eastern region enterprises can increase their net profit, enterprise value and net profit, return on total assets and enterprise value respectively. The enterprises in Beijing-Tianjin-Hebei region, Guangdong-Hong Kong-Macao Greater Bay Area can improve their return on invested capital and enterprise value, average rate of return respectively. The participation in the development of national standards, industry standards and local standards can help increase their return on total assets, the return on total assets and enterprise value, enterprise value respectively. Finally, we suggestions are put forward to enhance enterprises’ enthusiasm to take part in standards development.

The Circular Economy (CE) concept has been recognized as the core strategy that can support sustainable business through technological innovation that enables CE transition by focusing on resource savings. This case study conducts research on business strategy in achieving CE transition in an agroindustry company, by performing SWOT analysis to assess internal and external factors. The SWOT model provides valuable results that an effective strategy could maximize strengths and opportunities, minimize weaknesses and threats in business by boosting circularity on business-critical factors. The CE adoption by agroindustry company mostly focuses on efficient organic waste management, energy-efficient production, and production process. This study case reveals that while technology plays a significant role in advancing CE, there is still a significant need to pay attention to the social aspect in supporting the creation of worker-owned cooperatives by creating space for employee involvement in finding innovations and adopting technology in business transition into CE process. Social innovation through the involvement of employees by sharing CE vision, synergizing and optimizing internal potential, and building up the green innovation culture has created an internal conducive climate to put CE principle into practice. Further result shows that a labor-intensive company’s business strategy prioritizes employment and job security over maximizing profits, which directly leads to the economic welfare and social protection of the business operation that makes an inclusive business.