It has been globally acknowledged that financial inclusion is one of the most important methods to achieve sustainable development and reduce the incidence of poverty in society. Unfortunately, more than 50% of the adults in the low-income countries are still financially excluded. This paper empirically examines the potential determinants of access

With the availability of countless choices of tools and technologies through computers and the internet, blended learning technology is further enriched by non-conventional powerful modes of online synchronous and asynchronous interactions between learners and instructors. The questionnaire was developed by using the web-based Google Forms platform

The Covid-19 pandemic has profoundly impacted the education sector, forcing institutions to explore alternative teaching methodologies. This research article examines the paradigm shift from traditional classroom-based face-to-face learning to blended learning in architecture education. A questionnaire was designed and administered to collect data

This study aims to explore the influence of religion on attitude and intention of individuals towards adopting Islamic banking in Mauritania. Mauritania is one of the countries with 100 percent Muslim population, and 31% of this populace is under the international poverty line. Moreover, the Mauritanian financial system is a bank-based system that

تعنى هذه الورقة البحثية بمعالجة مدى إسهام الموارد المائية في تحقيق الأمن الغذائي في الوطن العربي، من منطلق أن الماء له دور رئيس في تحقيق الأمن الغذائي؛ حيث تعتمد سلسلة إنتاج الغذاء بشكل كبير ع

Science Technology Engineering and Mathematics (STEM) Education is vital for the economy and future employment in developing countries. However, STEM education in Pakistan is still an emerging topic, especially in Hyderabad. Numerous challenges have been found in introducing STEM education as it is complex, unavailable, lack of usability in the edu

Phrasal verbs (PVs) are one of the most notoriously puzzling aspects of English language instruction. Despite their difficulty and idiosyncrasies, they are of high relevance for ESL/EFL learners because mastery of PVs is often equated with language proficiency. Different from prior researches, this content analysis study seeks to identify the PVs u

At higher educational institution, students are expected to have acquired a certain level of English language mastery to fulfill the demands of academic writing. One of the grammatical items that is crucial in expressing the students’ ideas and opinions is gerund. The use of gerunds in academic essay helps students to be more precise and concise.

The objective of this study was to explore the lecturers’ perception of the English for Academic Writing programme by taking into account the aspects of course outline, instructors’ readiness, course materials and course duration. English for academic writing is not only a prerequisite for graduation requirement but it also helps to prepare the

Islam, that arrived in Nusantara in the 11th century (if not earlier) and formed its earliest centers in Pasai-Samudera and Lamuri, brought with its call (da’wah) the idea of ummah i.e the bond of universal brotherhood. This concept, when translated liturgically and architecturally, takes the form of a structure, a purposely designed communal cen