ABSTRACT
It is essential to be financially literate in order to live a wealthy life. Every income level is predicted to see a rise in standard of life with adequate financial management, which must be accompanied by strong financial literacy; nevertheless, for those with high incomes, achieving financial stability would have been challenging without proper financial management. Utilizing a descriptive- correlational research designs, this study aimed to assess the financial management practices and coping strategies among Senior High School Teachers among CAMANAVA and developed a Financial Literacy Framework. Specifically, it sought to determine the profile of the Senior High School Teachers’ financial management practices and coping strategies during the course of financial issue. Further, the study also aimed to develop a financial literacy framework as an output for this study. The study comprised 150 Senior High School Teachers as the respondents in in this research undertaking at CAMANAVA. Findings of the study revealed that with respect to respondents’ background characteristics, majority were between 21-45 years old, female, married and have less than five years of service with ongoing master’s degree. In terms of saving, budgeting, and spending are high, however in terms of investing and debt management, they are low with regards to the assessment of financial management practices. Taking from savings, reducing unnecessary expenses and budgeting are the most common practices by the respondents when faced with financial distress except debt management and investing. It is recommended that teachers should prepare their individual personal financial vision to guide them on the spending and debt management; that stress intervention be implemented, since teachers have overwhelming stress in their financial well-being; they should start putting up business of their own for another source of income. A single employment cannot be sustained for urgent demands; teachers ......

ABSTRACT
This study aims to examine the effect of Return on equity (ROE), debt to equity ratio (DER), and net interest margin (NIM) on stock prices (SP) during the Covid-19 Pandemic in Malaysian banks. The data source is the Annual Financial Report with the observation year during the Pandemic 2019-2021 period in the banking industry listed in the Malaysian Stock Exchange (MLX)—data analysis with multiple regression liner and processed using SPSS. The results of this study show that DER has no effect on the SP in the banking industry listed in MLX. Meanwhile, NIM and ROE positively affect SP in the banking industry listed in MLX during covid-19.

ABSTRACT
SACCOs play a crucial role in granting access to sustainable fiscal assistance and are identified as most effective models in enhancing productivity with over 80% of the population in Kenya, deriving their livelihood directly or indirectly from the cooperative sector. However, SACCOs are facing challenges in performance as a result of stiff competition from other financial institutions, modern technology, problems in financial management, poor leadership, and governance issues. This review narrows the gap by evaluating the impact of strategic planning on SACCO performance in Nairobi City County, Kenya. A descriptive survey research design was utilized. The research targeted 47 licensed SACCOs in Nairobi City County using a census sampling method. Results revealed that all independent variables comprise environment analysis, strategy formulation and strategy selection, were significant and had a positive relationship with SACCO performance. Therefore, it was concluded that strategy planning delivers positive results in a firm, with strategy selection contributing most to the performance of SACCOs, followed by strategy formulation and then environmental analysis. The study recommends that SACCOs should review its strategic plan every quarter of the year for continuous improvement of performance as well as that the top management of SACCOs ought to incorporate the other strategic planning practices in order to improve their performance and competitiveness. SACCOs should acquire a steady improvement in performance by reviewing its strategic plan every quarter of the year. This will enable SACCOs to develop a better strategy. Based on the research results, top management ought to play the key role on ensuring the strategic plan process is success in SACCOs and it is a critical factor in the SACCO performance in NCC. There is need to embrace good leadership structure to ensure improvement on strategic plan implementation.

ABSTRACT
The extant management literature considers the creative and innovative ingenuity of the human resource (HR) as a critical success factor for achieving corporate goals, yet the contribution of investment in HR and their disclosure towards enhancing corporate financial performance (CFP) is still controversial among researchers and industry practitioners. More so, in a fiduciary contract such as in banking industry which requires impeccable fulcrum of trust to retain the confidence of often fragile investors and customers. Therefore, the objective of the study was to empirically evaluate the impact of human resource investment disclosure (HRID) on the corporate financial performance (CFP) of deposit money banks (DMBs) in Nigeria. Human resource cost (HRC) and human capital efficiency (HCE) were the determinants for HRID, profitability expressed as return on equity (ROE) and capital market performance denominated into market value performance (MVP) of firms were proxies for CFP. While four hypotheses were formulated for the test, the absolute HRC indices were further transformed into natural log of numbers. The researchers deployed causal comparative and descriptive research designs whereas multivariate econometric regression model was adopted for estimating the test results. HRC in the test of HO1 demonstrated a positive and statistically significant contribution to ROE in the multivariate analysis at a beta coefficient of 68.9050%. Supported by a significant F-probability and F-statistic, HO1 was rejected. In tandem with a significant F-probability and F-statistic, HCE revealed a positive beta coefficient contribution to the joint impact on ROE and HO3 was also rejected. Similar to the insignificant F-probability and F-statistic in HO2 and HO4, HRC and HCE respectively demonstrated negative and insignificant positive beta coefficients in nexus with MVP. Hence, HO2 and HO4 were not rejected. Moreover, the Adjusted R-squared of the four tests of hypotheses were ........

ABSTRACT
This study aims to examine the factors that influence firm value. There are several factors used, including profitability, leverage, good corporate governance, and company size. The purpose of this study is to empirically examine whether profitability, leverage, good corporate governance, and firm size, influence the value of the company in infrastucture companies listed on the Indonesia Stock Exchange. The sample in this study consisted of 33 Infrastucture Companies in 2016-2021. With a purposive sampling. The data used in this research is secondary obtained from the official website of Indonesia Stock Exchange and the official website of each company. This study use Multiple Linear Regression analysis to test profitability, leverage, good corporate governance, and company size on value of company. The results of this study indicate that leverage and firm size has an effect on firm value, while profitability and good corporate governance has no effect on firm value.

ABSTRACT
This study aims to investigate the impact of facilities, competencies, and bureaucracy on service user satisfaction. This study was carried out at the Indonesian Kesyahbandaran Office and Port Authority. Data is gathered using questionnaires. The census is the method of data collecting, and the population of 78 are service consumers at the Port Authority and Port Office. With three hypotheses put out, this study's design was quantitative. The study's findings have demonstrated that the availability of facilities, the level of staff expertise, and the amount of bureaucracy all significantly increase service user satisfaction. The most important factor affecting service customer happiness is bureaucracy, it turns out. Transparency, accountability, and balance of rights and obligations are very important bureaucratic parts for government organizations that aim to build Integrity Zones (ZI) towards Free from Corruption Areas (WBK) and Clean and Serving Bureaucratic Areas (WBBM), such as the Kesyahbandaran Office and Port Authority in Indonesia.

ABSTRACT
This research aims to describe Work Motivation, Work Ability, Transformational Leadership, Employee Loyalty, and Employee Performance of Islamic Boarding School Cooperatives in Malang Raya. The research location was conducted in Cooperative Islamic Boarding Schools in Malang Raya. Research results found The results of this study indicate that physiological needs, safety needs, social needs, self-esteem needs, and self-actualization needs to contribute to work motivation. This has positively reflected work motivation or hedonic values, which are a form of employee appraisal based on the salary given to meet the family's food, clothing, and housing needs. Workability is contributed by technical ability, social ability, and conceptual ability. This has positively reflected workability or hedonic value, which is a form of employee assessment based on the condition of education and knowledge possessed and the last level of education by the field of work, able to complete work because they are experienced and by predetermined work methods. Work loyalty is contributed by the desire to remain in the organization, the willingness to try as much as possible, full acceptance of organizational values, and commitment to the company. This has positively reflected on work loyalty or hedonic value, a form of employee appraisal based on the attitude of never intending to quit his job, never thinking about actively looking for another company to move to work in the following years.