The research uses a machine learning approach to appraising the validity of customer aptness for a loan. Banks and non-banking financial companies (NBFC) face significant non-performing assets (NPAs) threats because of the non-payment of loans. In this study, the data is collected from Kaggle and tested using various machine learning models to determine if the borrower can repay its loan. In addition, we analysed the performance of the models [K-nearest neighbours (K-NN), logistic regression, support vector machines (SVM), decision tree, naive Bayes and neural networks]. The purpose is to support decisions that are based not on subjective aspects but objective data analysis. This work aims to analyse how objective factors influence borrowers to default loans, identify the leading causes contributing to a borrower's default loan. The results show that the decision tree classifier gives the best result, with a recall rate of 0.0885 and a false- negative rate of 5.4%.

Pandemic has compelled the entire world to change their way of life and work. To control the infection rate, academic institutes deliver education online similarly. At least one smartphone is available in every home, and students use their smartphones to attend class. The study investigates the link between smartphone usage (SU) and academic performance (AP) during the pandemic. 490 data were obtained from various institutions and undergraduate students using stratified random sampling. These components were identified using factor analysis and descriptive methods, while the relationship of SU and AP based on gender classification was tested using Smart-PLS-SEM. The findings show that SU has a substantial relationship with academic success, whether done in class or outside of it. Even yet, the study found that SU and AP significantly impact both male and female students. Furthermore, the research focuses on SU outside and within the classroom to improve students' AP.

Work-life balance (WLB) is a widely explored topic in the academic discourse. The researchers are trying to find strategies to effectively balance their work and home responsibilities for women in management. This study aims to analyse how gender roles and inequalities shape the strategies of female academics in higher education institutions. Eighteen faculty members participated in the semi-structured interviews. The trustworthiness of qualitative inquiry was ascertained by using triangulation, thick descriptions, and peer reviews. Three major themes emerged from the analysis: emotional, religious and social strategies. Despite available support, faculty noted challenges in managing work and family roles and fighting with gender stereotypes. This research adds to the emerging concept of WLB literature from the developed countries' viewpoint. It also shows how WLB discourse varies from Western sensibilities and collaborates with the previously established strategies that female academics formulate in WLB.

This study aimed to assess the level of GW in Jordanian university students and compare the level of awareness of students according to their academic level (high and low), faculty (science and humanities), gender (male and female), and year of study (first and final years). This study is quantitative research that provides a comprehensive view of GW in Jordanian universities. A total of 383 university students of currently registered undergraduate programs from six independent universities in Jordan were recruited. An online questionnaire covering three aspects of GW was sent to participants in December 2020. Inferential and descriptive statistics were used to analyse data. Participants had 'good' (67%) overall knowledge about GW, a 'very good' level of GW causes (81%), and a 'poor' level of knowledge about the GW impacts on humans and the environment (47%) and knowledge about GW possible solutions (59%). Significant differences were founded between males and females, students from scientific faculties and students from other faculties, students with higher academic achievement than lower achievement in the total GW knowledge. But no significant differences were between students in the first year and the final years.

For a long time, high school students have been forced to practice selecting correct answers on college scholastic ability tests. Recently, it has been suggested that schools introduce biomimicry activities for STEM education to develop students' 21st century competency. However, there have been arguments about which system is more appropriate in terms of enhancing a student's competency development. Therefore, we evaluated neurological evidence of students' competency using fMRI scans taken during the selecting a correct answer for a biology question and during a biomimicry activity. Results showed that the repetitive practice of selecting correct responses limited a student's neurological activities to the brain network of the visual cortex and the front-parietal working memory cortex. However, the biomimicry activity simultaneously involved diverse prefrontal, parietal and temporal cortexes, and the putamen, limbic and cerebellum lobes. Therefore, this study proposes that the biomimicry activities could stimulate their coordinated brain development.

The face of the hospitality sector in India is continuously changing and in times of career transitiveness, it is important to know the factors that support a successful career. The current research aims to explore the relationship between career planning, employee optimism, career adaptability and career satisfaction in the Indian hospitality sector. The study included 283 employees from Indian hospitality sector. Additionally, the study used SEM and bootstrap method to measure the dual mediating relationship between career planning, employee optimism dimensions, career adaptability dimensions, and career satisfaction in Indian setting. The results indicated that optimism dimensions and career adaptability dimensions partially mediate the relationship between career planning and career satisfaction in Indian hospitality sector. The study suggests useful implications for academia and industrial purpose. The limitations and future research avenues have been discussed. The study would contribute to the sparse literature on employee optimism, career planning, career adaptability and subjective career success. It would contribute to the social cognitive career theory (SCCT).