IOSR-JEF   Volume-16 ~ Issue-3 ~ May – Jun. 2025

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[1] Abdel Nour, Ben Moussa. (2017). Using Sherrod's Model To Predict The Failure Of Economic Institutions: An Applied Study On Institutions Listed On The Algerian Stock Exchange. University Of Algiers.
[2] Abdul Malik, Masai Abdul Muhammad, Khalidi Mustafa, Bin Lulu, Salim Badr Al-Din, 2021(Predicting Financial Failure Using Altman And Sherrod Model: Case Study Of The Algerian Company Rouiba During The Period 2015-2019) Journal Of Economics And Sustainable Development, Volume 4, Issue (2), Year 2021,P 218-233.
[3] Ahmed, SADIKI And Abdulaziz, Bokar ,2020(The Impact Of Accounting Earnings Quality On Stock Returns: A Applied Study On Industrial Companies Listed In Paris Stock Exchange), Al-Bishara Economic Journal (Volume 6, Issue 2, 2020).
[4] Al-Baaj, Qasim Muhammad, Al-Hussaini, Liqa' Salam Shaker (2021)( The Impact Of Financial Distress Prediction And Its Index Using The SHERROD Model On Accounting Earning And Continuity), Al-Qadisiya Journal Of Economic And Administrative Sciences.
[5] Al-Hasnawi Salem Salal, Al-Adhari Nawfal Yahya, 2023) Testing The Financial Distress Of Investment Companies Using Discriminant Analysis (Sherrod Model): An Applied Study In The Iraq Stock Exchange, Journal Of The Kufa Studies Center, Issue 169 Part 1 June 2023.

[1] Abdulraham, D. H., & Olofin, O. P. (2017). Financial Inclusion, Small And Medium Scale Enterprises And Inclusive Economic Growth In Nigeria. Journal Of Emerging Trends In Economics And Management Sciences, 8(4), 204-214.
[2] Adelino, M., Ma, S., & Robinson, D. (2017). Firm Age, Investment Opportunities And Job Creation. The Journal Of Finance, 72 (3), 999-1038, Doi: 10.1111/Jofi.12495. [3] Akileng, G., Lawino, G. M., & Nzibonera, E. (2018). Evaluation Of Determinants Of Financial Inclusion In Uganda. Journal Of Applied Finance And Banking, 8(4), 47-66.
[4] Bassey, I. I., Amenawo, I. O., & Enyeokpon, M. S. (2017). Financial Inclusion And Performance Of Micro Small And Medium Scale Enterprises. International Journal Of Research, 5(3), 104-122.
[5] Beck, T., Demirgeuc-Kunt, A., & Honohan, P. (2009). Access To Financial Services: Measurement, Impact, And Policies. World Bank Research Observer, 24 (1), 119-145, Doi: 10.1093/Wbro/Ikn008.

[1] Oyewole, O. S., & El-Maude, J. G. (2013). The Impact Of ICT Innovations On The Transformation Of The Banking Sector In Nigeria. Journal Of African Business, 14(2), 114-129.
[2] Bataev, A. R., & Plotnikova, O. A. (2019). Digital Asset Management As The Key Driver Of The Digital Transformation Of Banks. Journal Of Digital Banking, 3(2), 123-135.
[3] Enoruwa, A. E., Adeniji, M. D., & Fadeyi, M. A. (2019). The Influence Of Digital Banking On The Performance Of Banks In Nigeria. Journal Of Banking And Finance, 11(2), 123-137.
[4] Akintunde, A., & Oyedokun, A. (2020). Regulatory Compliance And Its Impact On Public Trust In Financial Institutions. Journal Of Financial Regulation And Compliance, 28(4), 540-555.
[5] Olowe, R. A., & Adelowo, O. (2022). Digital Asset Management And Regulatory Compliance As Determinants Of Financial Performance In Nigerian Banks. Journal Of Financial Regulation And Compliance, 30(4), 321-337.

[1] Alam, Bhuiya And Akbar (2005) Life And Livelihood Means In Char Land Areas Of Bangladesh: A Study On URIR Char Of Bay Of Bengal. [Online Available:Www.Researchgate.Net/Publication/264786(Accessed On 2nd September, 2018)]
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[3] Bhagabati A. Kr (2005) 'The Char Areas Of Brahmaputra Valley: Challenges For Sustainable Development', In Hussain I (Sr) And Rahman, H (Eds), A Socio Economic Life Of The Char-People, Assam, CAWSSER, Alopatimajachar, 2005, Pp. 1-17.
[4] Chakraborty, G. (2009): "Assam's Hinterland—Society And Economy In The Char Areas", Akansha Publishing House, New Delhi-110002 (India)
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[1] Abdullah, H., Ahmad, I., & Bujang, I. (2015). Loan Loss Provisions And Macroeconomic Factors: The Case Of Malaysian Commercial Banks. International Business Management, 9(4), 377-383.
[2] Acemoglu, D., & Robinson, J. A. (2012). Why Nations Fail: The Origins Of Power, Prosperity, And Poverty. Crown Business.
[3] Acemoglu, D., Johnson, S., & Robinson, J. A. (2001). The Colonial Origins Of Comparative Development: An Empirical Investigation. American Economic Review, 91(5), 1369-1401.
[4] Adam, C. S., & Bevan, D. L. (2005). Fiscal Deficits And Growth In Developing Countries. Journal Of Public Economics, 89(4), 571-597.
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[2]. Brasil. Decreto Nº 11.072, De 17 De Maio De 2022. Regulamenta O Programa De Gestão E Desempenho. Disponível Em: Https://Www.Planalto.Gov.Br/Ccivil_03/_Ato2021-2022/2022/Decreto/D11072.Htm. Acesso Em: 1 Abr. 2025.
[3]. Brasil. Instrução Normativa Nº 65, De 30 De Julho De 2020. Dispõe Sobre Orientações Para A Adoção Do Regime De Teletrabalho. Disponível Em: Https://Www.In.Gov.Br/En/Web/Dou/-/Instrucao-Normativa-N-65-De-30-De-Julho-De-2020-270166991. Acesso Em: 1 Abr. 2025.
[4]. Brasil. Lei Nº 11.091, De 12 De Janeiro De 2005. Dispõe Sobre A Estruturação Do Plano De Carreira Dos Cargos Técnico-Administrativos Em Educação. Disponível Em: Https://Www.Planalto.Gov.Br/Ccivil_03/_Ato2004-2006/2005/Lei/L11091.Htm. Acesso Em: 1 Abr. 2025.
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