Journal of Contemporary Issues in Business and Government

This study aims to shed light on the Islamic windows and branches, by explaining what is meant by each of the Islamic windows and branches, with a statement of their characteristics and the legal controls that govern these branches and windows developed in conventional banks, as well as addressing the statements of scholars about these windows and branches developed in conventional banks.
We have reached a set of results, including that banks resorted to opening windows and Islamic branches to keep the bank's customers from heading towards Islamic banks, as well as the desire of banks to compete with Islamic banks after the successes they have achieved, and the difference between the window and the branch is that the branch is in a building independent of the traditional bank, while the window is inside the traditional bank itself and in the same building, and one of their characteristics is that their transactions are distinguished by the approval of the provisions of Sharia, and a set of The controls issued by the legal Supervisory Board, and the scholars differed in the ruling on dealing with windows and branches between Majiz and opponents, and some of them went to the permissibility of dealing with them for the compelled. Its ruling is linked to the extent to which the legal controls issued by the Commission are applied.

     The study aimed to test the relationship between the variable of social representations of entrepreneurial work in its dimensions (professional identity, the image of work as a moral value) and the variable of professional orientation of the university student, at the Faculty of Humanities and Social Sciences at Mohammad ben Yahya University in the state of Jijel, and the descriptive approach was relied upon, as a questionnaire was distributed to a sample A stratified random sample of one hundred twenty (120) individuals, where they were analyzed statistically using the Statistical Packages for Social Sciences program.(SPSS).
The results showed that there is no statistically significant relationship between the professional identity and the professional decision-making of the university student, and that there is a weak direct relationship between the image of work as a moral value and professional maturity. When there are no statistically significant differences due to the variable of age, family status, and the place of residence.

Interest in small enterprises is increasing in the economies of countries, due to the role they have become and the strategic position they occupy in light of regional and international transformations, and the problem of financing small enterprises, along with the problem of growth, is one of the most important difficulties they face, so the most important aspect of financing is this aspect in which it is noted that the verses and financing formulas available to small and medium enterprises are inadequate, which calls for the need to work on introducing new formulas for financing, as well as Benefiting from the experiences of developed countries in this field, in addition to taking care and working to upgrade the alternatives available locally and that suffer from deficiencies and incompatibility with the distinctive financing needs of this type of institutions, and highlighting alternatives through which future prospects can be foreseen to advance the field of financing small and medium enterprises in the world in general and Algeria in particular.

Many studies have acknowledged the danger of drug abuse and its negative psychological and social effects on the individual and society, but many of them overlooked the economic effects that trouble specialists. This study aimed to shed light on the various effects of drugs on the economies of countries through their negative impact on increasing levels of Unemployment, public spending and the volume of money laundering operations, as well as pillows contribute to encouraging the smuggling of hard currency abroad and limit the value of savings and investment in the formation of the domestic product

This research deals with the impact of breastfeeding on health and the economy, by addressing the statement of the concept of breastfeeding, its definition, types and effects on the child and on breastfeeding as well, and the second element we have devoted to explaining what is meant by the impact of breastfeeding on the economy by addressing some details related to artificial breastfeeding through a statement of its definition and impact on the child as well as the impact of breastfeeding and artificial feeding on the economy.
We have reached a set of results, including: that breast milk is the ideal food for the baby, as it provides all the nutrients necessary for healthy growth, and economically, it saves money for the purchase of milk and a bottle of milk, as well as the expenses of treatment of various diseases that can affect the infant who is fed with formula

The projects of technical burial centers for waste, conversion units, sorting and passive dumps are of great importance and the only solution in the absence of parallel projects, or in the process of establishing them, such as the waste valuation project for the innovative project in partnership with the United Nations Development Program, which provides goals that are capable of providing and creating jobs In line with the principles of sustainable development, strengthening the circular economy, bringing financial returns and combating climate variables and global warming, by involving citizens and associations in the management and setting a budget of its own to finance it with sufficient space that would solve the Constantine crisis represented by the phenomenon of random hollows and the creation of wealth and work positions in the light of preserving The environment, by activating this project, which can eliminate the problem of waste that littered the state of Constantine in particular, and it helps that a very large amount of organic waste can be evaluated and recycled, and this is a positive thing for the state

The advancement of technology has revolutionized the traditional education system, leading to the rise of E-education. E-education is defined as the delivery of education and training through the use of electronic media, such as the internet, computers, mobile devices, and other digital tools. The purpose of this paper is to explore the impact of E-education on employment opportunities. The study includes a thorough review of the existing literature on the topic, along with empirical evidence from recent research studies. The findings indicate that E-education has a positive impact on employment opportunities, as it offers flexible learning options, facilitates skill development, and improves employability. However, the success of E-education in enhancing employment opportunities depends on several factors, including the quality of education, the credibility of the E-education provider, the relevance of the course to the job market, and the learner's motivation and self-discipline. The study concludes that E-education has the potential to bridge the gap between education and employment, particularly in the context of the digital age, where technology has become an integral part of the workforce

Gold has found a place in Indian hearts that goes of its deep-rooted significance in Indian history. Gold is considered auspicious in the Indian diaspora as it holds sentiments of bringing good fortune and destiny into their lives. It represents power and status in society. Some Indian festivals are celebrated by purchasing gold with the belief of bringing prosperity. Gold ornaments are passed on from one generation to the next as a legacy. Gold jewelry represents the journey of Indian women blending with culture in various stages of life. It is the distinctive cultural individuality that has triggered the scope of gold in people's traditions. This study examines the orientation of consumers toward ornamental gold highly influenced by cultural needs. It also analyses to find out the critical importance of gold jewelry in preserving Indian cultural heritage. The study covers both primary investigation and secondary literature review. Data is collected with the help of a structured questionnaire and is analyzed to identify the extent of consumers’ orientation for ornamental gold due to the driving force of culture.

The benevolent success of mutual fund sector in India has witnessed the impeccable development in the under management of asset to great extent in the recent past. The steps taken up by the regulatory body were promising and friendly for the investors and had given healthy competition globally. The occurrence of corona virus disease has impacted the mutual fund sector to great extent. The occurrence of the disease was completely unpredicted and had not given any scope of being proactive to the disease. Whenever such natural calamities have occurred, they aggressively showed their presence and arrival to the investment world and other business operations. Purpose – the purpose of this study is to find out the Impact of corona virus disease on Indian mutual fund sector, especially while the entire world is facing severe financial crisis and funds allocation plays a significant role.  Data / Design/ Methodology/ Approach – the data collected and treated properly by using statistical tools and SPSS Findings – in the findings it was found that most of the investors believed that adopting a hybrid change was the right option as the sector shown some drift and flexibility also to takeover the condition. Originality / Value – the research was conducted keeping the research ethics in mind, and seen that data collected is genuine and authentic

FDI stimulated rate of economic growth at every step of development of a nation. Developing countries encounter both capital appreciation and transfer of technology with the help of FDI. Today economical progress is highly reliant on improving not just the arrangement of capital, but also approach to technological capabilities, infrastructure and resource of any nation. This has improving economic liberalization of most of developing countries. The role of MNC as a viable source of both technology and capital is one of the salient features of this new openness.  FDI is that investment that is presents the commercial profits of investors of country that is a dissimilar country different from enterprise of home nation. An origin enterprise and its overseas subsidiary are to accesses to FDI (G. Panneerselvam, 2012). Objectives of the study are to study the opportunities available in Rural development and to study Impact of FDI on Rural Development specifically on Infrastructure and Economic variable. Sample size is 384.800 Questionnaires were distributed. 600 questionnaires were received but 510 questionnaires are correctly filled by respondents.Sampling technique is Purposive and Convenience sampling. Statistical Tools areMean, Rank, Percentage, Correlation and Multiple Regressions. There is positive correlation between FDI and Infrastructure Variable in rural area in Haryana State which means the impact of FDI inflow on Rural Development is statistically significant in case of Infrastructure Variable. There is positive correlation between FDI and Economic Variable in rural area in Haryana State.  In this case the impact of FDI inflow on Rural Development is statistically significant in case of Economic Variable. The Government of Haryana advised that time to time the FDI Policy should be implemented /modified and New FDI Policy should be formulated according to the business environment so that the foreign investors should be attracted and more and more FDI will be done in rural area of Haryana State.

A thorough evaluation of the financial markets as well as the business sector is essential as block chain technology and Non Fungible Tokens (NFTs) continue to develop in the digital global environment. The goal of this research is to determine whether or whether the market is ready, willing, and able to make use of digital tokens of this type. Overall, this research is aimed at evaluating the preparedness of Indian organizations for receptivity and implementation in daily operations, recruiting, and financial resources. Experimentation in NFT commercialization is a goal of this project. An expert panel of five validates a well-structured questionnaire used in the study. In addition to demographic data and Likert scale questions, the survey contained demographic information and Likert scale questions. This research collects both primary and secondary data for its findings. After conducting a pilot research and meeting with consultants, a standard questionnaire is used prepared and used to collect the primary data. Secondary data is sourced from other fields of study, such as journals, websites, books, and magazines. The Cochran formula for an unknown population selects a random sample of 100 persons with a 10% margin of error and a 95% confidence level because there are no standard data on the number of investors. Out of 93 answers, 72 were selected for the study after the outliers were removed. Professionals in the workforce, employees of large corporations, investors, both professional and private, and members of the company's upper management were all included in the study. Many influential company leaders and managers who implement new strategies, policies, and practises are among those who have agreed to participate in the study. For descriptive statistics - SPSS was used, and for SEM – AMOS was used. Many more people are aware with block chain and cryptocurrencies than of NFT technology, which is surprising. Blockchain-based technology platforms like cryptocurrencies and non-fungible tokens are premature due to their novelty and lack of effective implementations. An uncontrolled experimentation, which will probably take years to mature and trickle down into commercial applications, where it will have deep and far-reaching ramifications for society

The electric cars are the environment-friendly means of transportation. India is a significant potential market for the use of electric vehicles. Hence the Indian government aspires to be the top fully electric producer by 2030. Nearly every automotive manufacturer in the world already produces at least one electric vehicle model, and the adoption of electric vehicles is rising quickly across the board. The Indian government has unveiled several fresh initiatives to support the producers of electric cars, which would undoubtedly result in a pollution-free environment. Despite being a complicated and lengthy road, it is certainly attainable with a thorough strategy approach. New initiatives must be implemented to increase the acceptability of electric vehicles, while steps must be taken to prevent the further uptake of gasoline-powered cars. Sample of 248 buyers were considered for the study survey to know the reasons for buyer's choices towards Electronic Means of Transportation in India and the impact of ESG (Environment, Social, Government) Marketing Model. Electronic Means of Transportation Lowers the risks to local public health connected with those emission, greenhouse gas emission and Governments offers state federal subsidies on electric vehicles are some of the reasons for buyer's choices towards Electronic Means of Transportation in India. The study concludes that there is significant impact of ESG (Environment, Social, and Government) Marketing Model on Buyer's choices towards Electronic Means of Transportation.

The present stateofHR management duties and responsibilities as theyrelate to Agricultural Companies and design is discussed in this article. Furthermore, based on the findings of a main study, it describes the functions of HR in organizations that have altered their HR departments in terms of HR Management Design concepts, both theoretically and practically. The purpose of this paper is to present the roles and duties in HR structures inside organizations, as well as the effects of these changes on HR departments' effectiveness. Another purpose of the article is to define the tasks and obligations of the newly created HR Management Design job in these firms. It also houses an organization with one of the most well-remodeled HR departments in the country, and whose internal clientele evaluate its services as good.

This paper is theoretical and exploratory in nature. The author tried to develop and propose a framework which suggests the course of action for India to be self-reliant in trade of goods. For India to be self-reliant in foreign trade in goods there are two way strategies- One is to increase the exports of the products by promoting excellence which can have significant impact on the economic performance of the country. Two, simultaneously reducing the import of the products which are critically derailing the resources and robustness of the economy. In this proposed self-reliant framework of India's foreign trade, which focuses on trade in goods, the author tried to identify three critical areas of export where India should focus by promoting Excellence which will have multiplying effects on the economy. At the same time, three areas of import have been identified which are draining India's resources, dragging the economic growth and may have cascading effects which can be reduced by promoting self-reliance that is Atmanirbharta.

With 1.41 billion people, more than 900 million people spread around more than 6 lac villages. In the post liberalization period especially during 2003-04 to 2007-08, the Indian economy witnessed high growth. The major drivers of high growth have been LPG policies, improvement in economic and social infrastructure, IT industry, increasing entrepreneurship and many other factors that were transforming India into a major emerging economy. But this growth has been uneven and discrete. The progress in growth has not been uniform and the benefits of growth went to certain sections of the society and by passed marginalized and vulnerable sections of the society. This growth has been termed as jobless growth and has increased regional inequalities. Poor have become more poorer and the divide between urban and rural has increased. India is still the home of world's largest number of poor and under-nourished children. Indian Rural economy constitutes around 46 % of national income. The study highlights the profound changes experienced by India’s rural economy and employment This paper is an analytical effort in the area of financial inclusion and inclusive growth and also provides insight into India’s business context.

As information technology has advanced, there has been a shift toward relying more and more on online cloud storage and computing services. There is no getting around the fact that recent times have seen a meteoric rise in interest in cloud computing. This technology is used by many different organisations as the central component of their information technology infrastructure. The use of cloud computing results in increased data processing efficiency across a variety of computer and storage systems that are available over the internet. The approaches have advanced as a direct result of the cutting-edge and forward-thinking computer procedures that are the foundation of the internet's core database and network architecture. In the 1990s, a new sort of cutting-edge computing known as grid computing came into being. 2005 saw the birth of two new computing paradigms: cloud computing and utility computing. Consolidating several virtual computing components into a single physical platform is one of the most distinguishing features of cloud computing services and infrastructure. These components include the central processing unit (CPU), the network, storage, and memory. A piece of software known as a hypervisor is responsible for isolating each virtual machine (VM) (used by Virtual box and VMware, for example). Using this strategy, one virtual disc or machine may be prevented from directly accessing the memory and programmes of another inside the same environment. This can be accomplished by using a firewall. Through the use of hardware abstraction, it is feasible to conceal the complexity of operating physical computer systems, while at the same time efficiently boosting the systems' processing capacity. Utilizing virtualization technology in the cloud comes with a number of benefits, including scalability and the capacity to support many tenants (one software programme serving many users at once). These properties are essential to cloud computing because they make sharing and pooling resources possible. Sharing and pooling resources provides a number of benefits, some of which include increased business value, more flexibility, and cost savings.
When it comes to the process of moving assets from cloud providers to cloud virtualization users, provisioning is an extremely important step. In order to fulfil the requirements of its clientele, the cloud service provider must create an acceptable number of virtual machines and make available sufficient amounts of resources. This may be accomplished by any one of the following three methods: advanced provisioning, dynamic provisioning, or user self-provisioning. The mechanism by which cloud services and resources are made available, known as dynamic provisioning, faces a number of challenges. These challenges include the correct configuration of virtual machines (VMs) and technological constraints such as disc space, processing power, memory, and network throughput. It's possible that the scalability of virtual machines, the setup of cloud systems, and other aspects of virtualization's deployment might provide some difficulties
Cloud Computing, Sustainable development, Perceived valued, Regression analysis

The persistent underrepresentation of women in leadership positions is a widely acknowledged concern. This study employs bibliometric analysis to critically examine the existing corpus of literature on women's aspirations for career advancement and their drive towards leadership roles, sourced from the comprehensive Scopus database. A systematic review of the literature was conducted using the PRISMA standards. Data from 2001-2021 sourced from the Scopus database was used in the study. A total of 45 publications were identified and evaluated based on their titles, abstracts and keywords resulting in a final sample of 42 articles that underwent data mining and qualitative analysis through the use of Biblioshiny and VOS viewer tools. The findings highlight the most influential literature in the field, the publishing trends, and further areas for research that will help build a conceptual framework for future behavioural research. Recognizing the factors that impact women's career advancement and creating a supportive environment is crucial to promoting gender equality. The outcomes of this study have both theoretical and practical implications and align with the objective of achieving gender equality under the 2030 Sustainable Development Goals agenda. The study provides a foundation for the attainment of this goal by shedding light on the issue.

A startup called Bunchball created a gamified system to increase consumer interaction in the early 2000s, gaining a great deal of attention in the process. This trend was adopted and applied in operational areas around the world. Over the years, gamification has been one of the most prominent developing methods that managers have used to boost employee engagement and performance. How to engage and inspire workers to grow and increase their performance in order to share their expertise has become one of the primary strategic objectives of the firm. This research, underpinned by the Flow theory and Kahn's theory of engagement, examined the effect of gamification on knowledge-sharing habits among users. We conducted an online poll with 150 participants from a major firm that introduced social engagement and performance platforms to facilitate internal knowledge exchange. Our research identified significant drivers of employment motivation (rewards-enjoyment, open-mindedness, and training), which resulted in a greater degree of job engagement and performance expectations. This research yields significant insights for practise and theory.

Real estate promotion is one of the mechanisms adopted by the public authorities to eliminate the housing crisis. The urban assembly of Constantine has known several public and private actors who have contributed significantly to the production of Promotional dwellings in different periods.
The process of implementing housing in the urban assembly of Constantine was characterized by the involvement of many public actors (Office of Promotion and Real Estate Management OPGI), Fund National Savings and Reserve CNEP, National Real Estate Promotion Corporation ENPI.....), and private actors representing various contractors and construction institutions.
Through some models, we have studied and analyzed the various dwellings projects in the urban community of Constantine, in which the public and private sectors contributed, as the state relied on dividing dwellings projects into the two sectors, which led to the creation of a competitive field between them, which reflects positively on the residential area. It gives diversity to the urban fabric and even the quality of structures

     Mobile banking is a modern and convenient banking service that has revolutionized the banking industry by providing customers with easy access to their bank accounts and a range of banking services through their mobile devices, However, the widespread adoption of mobile banking is still hindered by several challenges. This paper examines the challenges of mobile banking and the views of consumers towards mobile banking adoption. Algerian customers have a positive attitude towards mobile banking, It is attributed to its user-friendly interface, visually pleasing design, fast and efficient management and viewing of accounts, high level of security, and the availability of various features and services. In contrast to the generally positive view of mobile banking, customers have reported low satisfaction with customer service.

As globalization continues to advance, companies are employing a more diverse group of employees. This diversity is evident in educational institutions where staff and students come from different backgrounds and experiences, resulting in a range of ages, genders, and educational backgrounds. This has prompted the need to examine whether organizations are prepared to incorporate diversity into their culture. The impetus of this research is to look into the connection between Workplace Inclusion (WI), impact of Workplace Diversity (WD), and Employee Motivation (EM). It is becoming increasingly important for organizations to understand how these different perspectives can be leveraged to create more innovative solutions and foster better relationships between staff members. This research offers suggestions for enhancing workplace inclusiveness and reducing employee turnover through supportive initiatives. It also sheds light on how a common perception of inclusiveness can be formed and how an inclusive climate can help achieve diversity management goals. The results emphasize the critical role of programs that are sensitive to employee identity in promoting organizational commitment among a diverse workforce

In the modern time, women in India were given freedom of expression and equality as well as right to be educated. They were enjoying the 'Ladies first' facility in different fields as they were holding numerous prestigious positions during this era. A strong woman is not born down by adversity, she knows how to turn her pain into her greatest strength woman makes a stupendous personal sacrifices, woman is a Icon of Liberation. A woman is a pearl of great prize. The book of “last Queen” is the tale of woman told by a woman enlivens the vastly unknown story of Jindan by intriguingly blending fact and fiction into an unputdownable novel. The last Queen portrays a simple village girls and her transition to the last queen of Maharaja Ranjit Singh. It is a timeless tale of a lady, which excites the reader with a spirit of patriotism and bravery. Divakaruni blends in Jindan the attributes of a girl-next-door and an magnanimous queen who is rooted, intelligent, who bows to no external force, but have passionate love for Punjab.

Employee performance can be improved by training, which connects job needs to the present job description of the personnel. Aside from that, training is a significant financial and time commitment. The time has come for organizations to examine training programs to see how they affect trainees' performance and behaviour. When it comes to managing their employees, job satisfaction is one of the most difficult areas to address. Every company's most valuable resource is its workforce. A company's success depends on the ability of its employees to perform their jobs effectively and efficiently. Organizations' on-going efforts contribute to the development of employees' abilities and capacities.Employees will feel more invested in their jobs when they see evidence that the training program is improving their skills and knowledge. Managers should devise plans to implement or lead training programs that effectively improve workers' abilities at all levels of the organization. Managers must therefore determine what constitutes a good, attractive, and well-managed training infrastructure.
This Paper will focus on studying various determinants of Training and their impact on overall employee satisfaction. Data thus collected has been analysed by using SPSS and AMOS version 26

This study investigates how Multinational Corporations' (MNCs') CSR initiatives have helped to reduce poverty in Odisha, India.
Design/methodology/approach – By means of consulting annual reports, websites, and publications for quantitative information, we have used a mixed-method approach to gather qualitative data by interviewing Managers of five MNCs. The average contribution of sample MNCs to CSR programmes is only 0.52% of profits after taxes, with ranges from 2.96 to 0.15%.
 Findings – Results showed that MNCs' Corporate Social Responsibility (CSR) programmes had little impact on reducing poverty in Odisha District. According to the report, the majority of MNCs do not give as much as they are able to and do not have a policy of giving a decent amount of their profits to CSR with a focus on reducing poverty.
Research limitations/implications – The current study is limited to studying the contributions of MNCs in poverty alleviation by means of only their CSR programs and also the current study is confined to the state of Odisha. Thus, leaving future scope for budding researchers to identify the impact of such programs with respect to other regions and also other activities that may contribute in poverty alleviation.
Practical implications - According to the study, in order to accelerate the movement towards poverty alleviation for a joyful, prosperous, and forward-thinking Odisha, the Government of Odisha must act sincerely and purposefully to encourage MNCs to actively participate in CSR programmes that prove to be beneficial for reducing poverty by providing the necessary policy framework and motivating supports.
Originality/value – This paper is one of a few attempts to identify the contributions of MNCs in poverty alleviation specifically in the state of Odisha in India, by means of CSR programs in particular.

The current media statements gives us an idea that the business operation are surrounded by increasing incidents of unethical practices due to the thrust for profits without realizing the negative impact. The greater profits are given more priority neglecting the moral responsibilities towards the society, the interested parties and the environment. In recent times, we are seeing that the Corporate Social responsibility is fading in some businesses, at the same time acquiring ground in the other as they aim to make their business profitable while acting in a mature and responsible way towards the society where they are operating in. A well-ordered assessment of the present-day literature hints to the existence of a strong interrelation between ethical practices, corporate social responsibility (CSR) and better financial health. It is high time for the Multinational companies and other large firms to implement a suitable stand that is ethical in moral stance and cater to the needs of sustainable development by ensuring that all the stakeholder of the organization and the environment following the approach of triple bottom line. Corporate culture pertaining to the social, economic and environmental spheres of sustainability needs a vigilant transformation by including measures that cater the demands to keep up a sustainable planet. As a consequence of explaining how and why the assimilation of ethics in business strategy and CSR initiatives increases sustainability, the following article, taking the inputs from chosen studies, tries to contribute in a minute way to make better the possibility of the amalgamation of corporate sustainability and corporate social responsibility in their world-wide operations advancing to a more sustainable planet. 

This paper is an attempt to throw light and understand the environmental ethics mentioned in Papal Encyclicals by the different Catholic Popes according to the sign of the times between 1981 and 2020. They provide precious insights to solve many environmental problems to build up the foundations of environmental ethics. Through the encyclicals, the Popes have touched the hearts of people of various times with eco-concepts. This article exhibits the continuous and creative efforts of the Catholic Church in teaching environmental ethics to every human being who tries to exploit God’s creation due to one’s extravagant needs and greed. Thus, the Church plays a massive role to create awareness among the people of all times to respect and cherish a ‘Green world’.