This issue contains articles by a variety of authors from a variety of countries, including education policy in Bangladesh that stimulates business management opportunities, the audit expectation gap in Nigeria, the solidarity economy of marginalized communities in South Africa, the impact of financial inclusion and digital finance on SME performance in Pakistan, the use of pro-gear innovation in Malaysia's department of commerce, and the time for Malawi to change its economic growth engine.
Some of the participating papers from Indonesian authors include a Systematic Literature review about ethical organizational, the financial management behaviour, the forecasting of raw material inventory, financial distress, the analysis of psychological factors, price, and service quality in making purchasing decisions, the influence of e-service quality on customer satisfaction, and the design analysis using the balanced scorecard.