The purpose of this study is to analyze the effects of Profitability, Leverage, and Liquidity on Financial Distress which is proxied using Z-scores. The object of research is the sub-sector of property and real estate companies listed on the Indonesia Stock Exchange in 2016-2018. This research was conducted using a sample of 47 companies listed on the Indonesia Stock Exchange. Determination of the sample using a purposive sampling method with criteria by researchers using a causal relationship design. The analysis of data use statistical analysis in the form of multiple linear regression tests. The result of this study is that profitability, and liquidity variables have significant effects and positive on financial distress. The Leverage variable has a significant effect and negative on financial distress. While The Audit Committee has no effect on financial distress.

The unemployment situation in Nigeria poses serious threats and challenges to both government and well meaning citizens. The Nigeria government introduced entrepreneurship education as a pathway to stimulate self- sufficiency, self-sustainability and self-support culture in students. The aim is to ensure graduates take advantages of personal resourcefulness to be self-employed. This could only be possible when government educational policies are geared towards a functional education that can lead to job creation and also self reliance. This paper examines how the entrepreneurship education could serve as Panacea for Self-reliance and Job Creation to Nigeria Institutional graduates. The paper recommends that funding of entrepreneurship education should be taken seriously by the Government. This can be achieved through increase in the budgetary allocation to educational institutions.

This research aims to analyse the influence of return on equity, debt to asset ratio, working capital turnover and dividend payout ratio to stock return and to know the factors of return on stock. The data source used is the secondary data obtained from the annual report of the food and beverage sub-sector manufacturing company listed on the Indonesia Stock Exchange (BEI) in 2014-2018. This research uses causal research design, the method used in this research is the purposive sampling method. The data analysis methods in this study used multiple linear regression analyses and their data processing using version 21 programs. Based on purposive sampling method, there are 65 final samples this research. The method of analysis used is statistical analysis in multiple linear regression test forms. Overall, the results of the study revealed that Return on Equity (X1) has no significant effect on the stock return, Debt to Asset Ratio (X2) has no significant effect on the stock return, Working Capital Turnover (X3) has a significant influence on the stock return, Devidend Payout Ratio (X4) has no significant effect on the stock return.

The aim of this research is to provide a model for optimising the sectoral portfolio selection by using game theory during a general elections phase. We select stocks from Bursa Malaysia and calculate the payoff for each stock and its coalition sectors by averaging returns. The value of the game is at the same time the characteristic function of a multiple-player game which will be applied to obtain the Shapley value using the cooperative game theory approach for finding the optimal increment of the returns. We also compare the Shapley value percentages obtained for both periods of the 13th Malaysia General Election (GE13) and 14th Malaysia General Election (GE14) to indicate the impact of GE14 on investment. This research will lead to optimal portfolio selection before and after an election.

Taiwan's medical system has the function of connecting the whole Taiwan on the construction, so doctors can observe and seek medical treatment immediately. Such a process can be helpful for real-time information of patients. The main concern behind this system is that hackers may leak patients' personal information, leading to patients' personal privacy rights. In the case of COVID-19 in 2020, Taiwan began to introduce a medical tracking system, which includes the patient's medical records and data uploaded to the health insurance system database; so that doctors can visit the patient's medical records related to the patient's medical treatment and the relevant prescription records. Is this a good system for patient rights? Is there a problem with the patient's right to privacy? Our study found a positive correlation between health system privacy, information sharing, physician prescribing decisions, and consumer satisfaction. The number of samples investigated in this paper was N=270, and the main responses were 253, with a recovery rate of 97%.

The focal interest in this study has been to critically evaluate the trend of non-oil-export-stimulation facility (NESF) as well as non-export performance in Nigeria. The NESF is a 10-year tenure CBN debenture investment that worth N500 billion naira as credit to non-oil export sector with commencement from 2017. Although, NESF experienced a halt in the process due to forensic auditing of perceived corruption in Nigerian Export and Import Bank (NEXIM) operations which has crippled earlier similar programmes, a cursory look at NESF through percentage growth and graphical trend of non-oil export extracted from CBN Statistical bulletin 2019 reveals remarkable increase in the trend of non-oil export activities from 2017 to 2019 being the incubating as well as implementation period. While negative growth rates of 15.5%, 30.8% and 0.6% were recorded in 2014, 2015 and 2016 respectively, in 2017, 2018 and 2019, there was positive and remarkable growth rate in non-oil export sector by 63.7%, 32.6% and 124.9% respectively. Also, from ARDL result, non-oil export positively influences RGDP. This suggests that with prudent administration of the NESF, there abound great hope in the economic growth of Nigeria. Therefore, the study recommended that concerned beneficiaries of NESF should maximize accrued advantages of this opportunity especially its favourable repayment-period-spread and rates, with a two-year moratorium. Also, the rebranded NEXIM should take it as a foremost duty to scrutinized, monitor and reprimand where necessary for the attainment of NESF nominated objectives. Finally, improvement in infrastructure needed for export promotion should be strengthened.

The paper represents the challenges of Georgia’s capital market, its importance for economic development and diversification of the financial sector. Capital markets have an increasing role and weight in Georgia’s economy. The formation of the capital market is a long process as it requires the formation of the financial instruments, market infrastructure and institutions. Considering the capacity of economy and its potential benefits, Georgia has less developed economy and therefore, the capital market is underdeveloped. The paper analyzes the prerequisites for forming and developing the capital market in Georgia, as well as its characteristics. In this paper we investigate the several sources for financing gross financial needs and for making optimal decision, which type of instrument should the government of Georgia use before raising funds, we compare the financial conditions of the existing sources with each other.