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.

This research explores the implementation of streamlined licensing frameworks and consolidated procedures for promoting renewable energy generation worldwide. An in-depth analysis of the challenges faced by renewable energy developers and the corresponding solutions was identified through a series of industry interviews. The study aims to shed light on the key barriers encountered during project development and implementation, as well as the strategies employed to overcome these obstacles. By conducting interviews with professionals from the renewable energy sector, the research uncovers a range of common challenges, including complex permitting processes, regulatory uncertainties, grid integration issues, and financial barriers. These challenges often lead to project delays, increased costs, and limited investment opportunities, thereby hindering the growth of renewable energy generation. However, the interviews also reveal various solutions and best practices employed by industry stakeholders to address these challenges effectively. These solutions encompass the implementation of streamlined licensing procedures, such as single licenses and one-stop services, to simplify and expedite the permitting process. Additionally, the development of clear and stable regulatory frameworks, collaboration between public and private entities, and improved grid infrastructure were identified as key strategies to overcome regulatory and grid integration challenges. The research findings highlight the importance of collaborative efforts between policymakers, industry players, and other relevant stakeholders to create an enabling environment for renewable energy development. By incorporating the identified solutions and best practices, policymakers can streamline regulatory processes, foster public-private partnerships, and enhance grid infrastructure, thus catalyzing the growth of renewable energy projects.

This paper aims to analyze the narratives that have emerged in the process of bureaucratic reform in Indonesia. The analysis is conducted using the Narrative Policy Framework at the mesa level. Using data from articles published in 6 credible national media about “bureaucratic reform” from 2010 to 2023. The collected data was classified according to the Narrative Policy Framework (NPF) elements in the article: Issue setting, the cause of the issue, plot, character (villain, victim, hero), and recommendations for solutions offered. There were 31 articles analyzed. The result showed that the main plot in the process of bureaucratic reform in Indonesia is based on the corrupt bureaucracy and the slow public service provided. The victims in the plot are the people who will access the services. The villains of the narrative are civil servants who do not improve the required competencies. The heroes of the narrative are several government institutions (Ministry of State Apparatus Utilization and Bureaucratic Reform, Commission of Corruption Eradication, and The Audit Board of The Republic of Indonesia) that are considered to expose the problem.

Recently, Agile project management has received significant academic and industry attention from due to its advantages, such as decreased costs and time, increased effectiveness, and adaptiveness towards challenging business environments. This study primarily aims to investigate the relationship between the success factors and Agile project management methodology adoption and examine the moderating effect of perceived compatibility. The technology-organization-environment (TOE) framework and technology acceptance theories (UTAUT, IDT, and TAM) were applied as the theoretical foundation of the current study. A survey questionnaire method was employed to achieve the study objectives, while quantitative primary data were gathered using a carefully designed methodological approach focusing on Omani oil and gas industry. The PLS-SEM technique and SmartPLS software were used for hypotheses testing and data analysis. Resultantly, readiness, technology utilization, organizational factors, and perceived compatibility were the significant factors that promoted Agile methodology adoption in the oil and gas industry. Perceived compatibility moderated the relationship between success factors and Agile methodology. The findings suggested that people, technology, and organizational factors facilitate the Agile methodology under the technology acceptance theories and frameworks. Relevant stakeholders should adopt the study outcomes to improve Agile methodology adoption.

We studied the role of industry-academic collaboration (IAC) in the enhancement of educational opportunities and outcomes under the digital driven Industry 4.0 using research and development, the patenting of products/knowledge, curriculum development, and artificial intelligence as proxies for IAC. Relevant conceptual, theoretical, and empirical literature were reviewed to provide a background for this research. The investigator used mainly principal (primary) data from a sample of 230 respondents. The primary statistics were acquired through a questionnaire. The statistics were evaluated using the structural equation model (SEM) and Stata version 13.0 as the statistical software. The findings indicate that the direct total effect of Artificial intelligence (Aint) on educational opportunities (EduOp) is substantial (Coef. 0.2519916) and statistically significant (p < 0.05), implying that changes in Aint have a pronounced influence on EduOp. Additionally, considering the indirect effects through intermediate variables, Research and Development (Res_dev) and Product Patenting (Patenting) play crucial roles, exhibiting significant indirect effects on EduOp. Res_dev exhibits a negative indirect effect (Coef = −0.009969, p = 0.000) suggesting that increased research and development may dampen the impact of Aint on EduOp against a priori expectation while Patenting has a positive indirect effect (Coef = 0.146621, p = 0.000), indicating that innovation, as reflected by patenting, amplifies the effect of Aint on EduOp. Notably, Curriculum development (Curr_dev) demonstrates a remarkable positive indirect effect (Coef = 0.8079605, p = 0.000) underscoring the strong role of current development activities in enhancing the influence of Aint on EduOp. The study contributes to knowledge on the effective deployment of artificial intelligence, which has been shown to enhance educational opportunities and outcomes under the digital driven Industry 4.0 in the study area.