This article investigates the relationship between loan portfolio quality and efficiency among quoted Deposit Money Banks (DMBs) in Nigeria. The study analyzes data from financial statements of selected banks to assess loan portfolio quality using metrics such as non-performing loan ratio, loan loss provision ratio, and loan recovery rate. Efficiency is measured through indicators like cost-to-income ratio, return on assets, and return on equity. The findings reveal variations in loan portfolio quality and efficiency among the sampled banks, emphasizing the importance of robust credit risk management practices and efficient resource allocation. The article underscores the need for improved loan portfolio quality to enhance bank efficiency, financial stability, and economic growth.

The emergence of GPS-based cab services has revolutionized the transportation landscape, providing convenient and on-demand mobility options. This study aims to evaluate the influence of GPS-based cab services on traditional means of public transportation in Guwahati, India. Through a comprehensive case study, we analyze the impact of these services on passenger preferences, ridership patterns, and the overall public transport ecosystem. The findings shed light on the transformative effects of GPS-based cab services and their implications for the future of urban transportation. This study aims to evaluate the influence of GPS-based cab services on traditional public transportation in Guwahati, India. Through a comprehensive case study, we analyze the impact of these services on passenger preferences, ridership patterns, and the overall public transport ecosystem. The findings shed light on the transformative effects of GPS-based cab services and their implications for the future of urban transportation. The results reveal a significant influence of GPS-based cab services on traditional public transportation, with passengers exhibiting a growing preference for these services due to convenience, ease of booking, and perceived reliability. The study highlights the need for adaptive strategies to ensure the coexistence and integration of both systems, leading to enhanced urban transportation experiences.

Indonesia is a developing country with a high dependence on fossil fuels. To promote renewable energy, the government has implemented several policies, including a feed-in tariff system and tax incentives. However, the renewable energy sector in Indonesia still faces various challenges, including the fiscal policy gap. This paper aims to analyze the political economy of Indonesia’s renewable energy sector and its fiscal policy gap. We argue that the fiscal policy gap is the result of the interests of fossil fuel stakeholders who have managed to influence policy-making processes. We conclude that to overcome the fiscal policy gap, the government needs to establish a strong political will to promote renewable energy and reduce the influence of fossil fuel stakeholders. The article “The Political Economy of Indonesia’s Renewable Energy Sector and Its Fiscal Policy Gap” provides an analysis of the political economy of Indonesia's renewable energy sector and the gap in its fiscal policy. The study aims to understand the reasons for the slow progress of Indonesia's renewable energy sector and to propose a policy framework for accelerating its development. The study uses a qualitative research method and draws on data from a variety of sources, including academic studies, policy documents, and interviews with industry experts and policymakers. The findings reveal that the slow progress of Indonesia's renewable energy sector is due to a lack of political will, institutional fragmentation, and a lack of coordination among stakeholders. The study recommends that Indonesia adopt a comprehensive and integrated policy framework to overcome these challenges, including developing a national energy strategy, implementing effective fiscal incentives, and improving the regulatory environment.