Credit Risk Management Practices and Loan Performance of Commercial Banks in Uganda. A Case Study of Commercial Banks in Mbarara City by Agaba, Francis

“…Banks should take time to analyze clients’ cash flow statements and other financial records, and make a thorough assessment of the key risks that clients face and the strategies they have put in place to mitigate the risks Commercial Banks should ensure credit risk monitoring is done on how their clients will use the loans not outside the agreed purpose will recover their loans. …”
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Identification and leveling of factors affecting the acceptance of excellence model in Islamic Azad University by Seyedeh Somayeh Mousavi Siah Deleh, Samad Jabbari Asl, Musa Rezvani Chaman Zamin

“…According to the results of the research, the following proposal is presented: 1- The university should prepare and compile a checklist of all the indicators presented in the research and score (for example, from 1 to 10) for each of the indicators in terms of the university's readiness in that field. 2- Specialist experts should give points to each department in terms of the level of preparation of the university. 3- For the indicators that scored below the average or have a lower score compared to other indicators, planning should be done with appropriate timing to develop readiness in that sector with the help of the custodian area. 4- The custodian areas should send their continuous report regarding the improvement of the level of preparation of their subordinate unit to the university president.…”
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Dépôts et pratiques symboliques dans l’établissement aristocratique gaulois de Varennes-sur-Seine, la Justice (Seine-et-Marne) by Jean-Marc Séguier, Ginette Auxiette, Fabien Pilon

“…Their orientation favors an eastern axis for the upper portion of the body (cranial fragments, scapula, humeral diaphysis) and the opposite, western side for the lower limbs (femoral diaphyses). Here, as elsewhere, the handling and exhibition of skeletal human remains, extracted from burials or collected from excarnation platforms, are part of rituals that sit at the crossroads between beliefs and systems of social representation. …”
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A Model for Implementing New FinTechs in the Banking Industry (Peer-to-Peer Lending) by Hosein Mohammadi, Narges Mohammadalipour, Noroz Norollahzadeh, Ghanbar Abbaspour asfadan, Mahnaz Rabie

“…Borrowers also enjoy the benefits of lower costs compared to bank or credit union loans. …”
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Explaining the model of value creation of tax income and gross domestic product based on tax system reforms by Bahram Ramazani, Mojtaba Malekichoobari, Sina Kheradyar

“…Jiang et al, (2023), in a research titled government social media and corporate tax avoidance showed that the higher the performance quality of government social media tax offices, the lower the degree of tax avoidance of local firms, which works by reducing tax avoidance incentives and increasing the difficulty of committing tax avoidance. …”
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Investigating effective factors in the model of high organizational commitment in government organizations in charge of educational and cultural affairs by Seyed Alireza Mirjafari, Abdul Khaliq Gholami Anarestan, Karam Elah Daneshfard

“…Scholars and experts who have left the organizations have evaluated the current situation of the service compensation system in the mentioned organizations as lower than average, and in fact, they do not consider the current service compensation system in these organizations included in the minimum service compensation standard. …”
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Petrogenetic evidences in geodynamics and placement of Nordoz intrusive masses in Alborz-Azerbaijan structural zone by Shahryar Mahmoudi, Shiva Lavi, Shohreh Hassanpour, Amir Ali Tabakh Shabani, Mehran Yegane Far

“…During the subsequent compressive phases, it propagated to higher levels, specifically into the lower crust, where it caused an increase in temperature. …”
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Presenting the fintech market development model with an emphasis on existing challenges and strategies by Seyed Mani Sadraee, Farideh Haghshenaskashani, Mehdi Karimizand

“…The cost of such advertisements is much lower and the efficiency of advertisements is high. …”
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Designing a model for re-employment of employees during retirement (Study case: Ministry of Education) by Fatemeh Fatemeh Bina Baji, Hamid Rezaei Far, Mohammad Mohammadi, Monireh Salehnia

“…However, he does not agree that every need appears after satisfying the lower order need (Zohori, 2015). According to this theory, the re-employment of retirees is due to the fact that all the needs of retirees can be created at the same time and combined to motivate them. …”
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Natural Resource Rent and Financial Development: Testing Financial Resource Curse Hypothesis in Iran by Majid Aghaei, Mahdieh Rezagholizadeh, mohammad abdi, rawa mosavi

“…Considering that the Iranian financial system is influenced by the banking system, and resource rents have been confirmed in the banking sector, this result can be justified as indicative of the greater flow of oil revenues into the Iranian banking system. …”
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Early Warning Model and Currency Crisis in the Iranian Economy A Probit Approach by Mohammadjavad Khosrosereshki, Yavar Dashtbany

“…In developing countries (with a low flow of foreign capital and limited access to international financial markets), it is difficult to follow committed policies. …”
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Presenting the model of antecedents affecting moral-emotional acting in education by arefeh kazemi malekmahmoudi, negin jabbari, kiomars niaz azari

“…Collective values ​​(culture) were associated with higher emotional actor engagement and lower employee pressures.Research methodologyThe method of the present research is applicable in terms of its purpose, and quantitative in terms of the method of data collection. …”
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IGJR 1/2020: Housing crisis: How can we improve the situation for young people? by IF and FRFG

“…Younger generations, on the other hand, are disadvantaged in two respects: today’s increased demand leads to further pressure on the housing market in the low-price segment, which in turn leads to an increase in the rent burden for lower and middle income groups, and also makes the purchase of residential property more difficult. …”
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IGJR 1/2020: Housing crisis: How can we improve the situation for young people? by IF and FRFG

“…Younger generations, on the other hand, are disadvantaged in two respects: today’s increased demand leads to further pressure on the housing market in the low-price segment, which in turn leads to an increase in the rent burden for lower and middle income groups, and also makes the purchase of residential property more difficult. …”
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Comprehensive increase in CO₂ release by drying–rewetting cycles among Japanese forests and pastureland soils and exploring predictors of increasing magnitude by Y. Suzuki, Y. Suzuki, S. Hiradate, J. Koarashi, M. Atarashi-Andoh, T. Yomogida, Y. Kanda, H. Nagano

“…Additionally, soil microbial biomass C and nitrogen (N) levels were significantly lower in DWCs than under continuous constant moisture conditions, whereas there was no significant relation between the microbial biomass decrease and IF<span class="inline-formula"><math xmlns="http://www.w3.org/1998/Math/MathML" id="M20" display="inline" overflow="scroll" dspmath="mathml"><msub><mi/><mrow class="chem"><msub><mi mathvariant="normal">CO</mi><mn mathvariant="normal">2</mn></msub></mrow></msub></math><span><svg:svg xmlns:svg="http://www.w3.org/2000/svg" width="18pt" height="10pt" class="svg-formula" dspmath="mathimg" md5hash="7ac8ca304302b1757f1753dcdfec3031"><svg:image xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="soil-11-35-2025-ie00007.svg" width="18pt" height="10pt" src="soil-11-35-2025-ie00007.png"/></svg:svg></span></span>. …”
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Study on Innovative Practices to Promote Girls’ Retention and Transition to Secondary and Higher Learning Institutions in Sub-Saharan Africa. by Ayiga, Natal, Adyanga, Francis Akena, Akello, Jacqueline

“…The intergrade transition rate and primary 7 completion rate were lower for girls than for boys, confirming that fewer girls than boys complete P7 and transition to secondary education. h. …”
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Providing effective innovative strategies in the development of cosmetics industry with emphasis on international entrepreneurship by Ali Khabaz, Jamshid Edalatian shahryari, Heydar Amiran

“…Adding value, creating jobs, stimulating innovation, and responding to consumer needs are key factors for long-term and sustainable economic growth. The strong flow of innovation in the field of raw materials, information technology, production and manufacturing processes, and creation of new opportunities to design and manufacture new products and services are among the issues that will lead to the country's economic growth through the industry sector (Zare, 2019). …”
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La gestion de l’eau à Bibracte (Saône-et-Loire), avant et après la Conquête romaine by Laetitia Borau

“…This assemblage played several roles: collecting and slowing down the water flow of the stream tumbling down the slope; creating a large water supply; preventing the destruction of the rampart; and providing water for the needs of the craftsmen. …”
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Designing a structural model to improve the productivity of higher education managers by Kiana Kaveh, Amineh ahmadi, mojtaba moazzami

“…Universities play a very important role in the progress or stagnation of a society through direct influence on the flow of production, adaptation, and reproduction of social systems and market mechanisms (Tang, 2013). …”
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The Impact of Sanctions’ Reduction and the Financial Strength of Companies on the Development of Garment Exports, Considering the Mediation Role of Direct and Indirect Exports. by Farshad Alidaei, Mostafa Hashemi Tilehnouei, hossein vazifedoost

“…Considering that the export of clothing has high value added and foreign exchange earnings, it is also considered as one of the industries that have a very high employment generation capacity, and its capital-intensiveness considering its created sustainable employment is much lower compared to other industries (oil and petrochemical). …”
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