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All Journal Journal of Moeslim Research Technik International Journal of Educatio Elementaria and Psychologia Research Psychologie, Orientation et Conseil Journal of Tecnologia Quantica Journal of Loomingulisus ja Innovatsioon Research of Scientia Naturalis Journal of Biomedical and Techno Nanomaterials Journal of Social Entrepreneurship and Creative Technology Lingeduca: Journal of Language and Education Studies Journal Markcount Finance Sharia Oikonomia Law Journal Journal Emerging Technologies in Education International Journal of Language and Ubiquitous Learning
Rit Som
Songkhla University
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Physics Other

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CLIMATE RISK AND FINANCIAL STABILITY: BUILDING RESILIENT FINANCIAL SYSTEMS IN THE FACE OF GLOBAL WARMING Ari Purwanti; Ming Pong; Rit Som
Journal Markcount Finance Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v4i2.3485

Abstract

Climate change has emerged as a systemic risk with profound implications for global financial stability, affecting asset valuations, credit markets, insurance systems, and macroeconomic resilience. Increasing frequency and severity of climate-related shocks expose financial institutions to physical risks, transition risks, and liability risks that challenge the robustness of existing financial frameworks. This study aims to examine how climate risk interacts with financial stability and to identify strategic approaches for building resilient financial systems in the context of global warming. The research adopts a qualitative analytical design based on an extensive review of secondary data, including peer-reviewed journal articles, policy reports, and regulatory frameworks issued by central banks and international financial institutions. The findings reveal that climate risk amplifies traditional financial vulnerabilities through channels such as asset stranding, credit reallocation, and systemic contagion, while also exposing gaps in risk assessment, disclosure practices, and prudential regulation. Evidence indicates that proactive integration of climate risk into financial supervision, stress testing, and capital allocation enhances systemic resilience and reduces long-term instability. The study concludes that strengthening climate-related financial governance, improving data transparency, and aligning financial incentives with climate objectives are critical for safeguarding financial stability.
THE IMPACT OF SHARIA ECONOMIC LAW ON ECONOMIC GROWTH IN MUSLIM-MAJORITY COUNTRIES: A GLOBAL PERSPECTIVE Imron Natsir; Ton Kiat; Rit Som
Sharia Oikonomia Law Journal Vol. 3 No. 1 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i1.2079

Abstract

The principles of Sharia economic law, rooted in Islamic jurisprudence, emphasize ethical and equitable economic practices. As Muslim-majority countries increasingly adopt Sharia-compliant financial systems, understanding their impact on economic growth has become crucial. This study examines the influence of Sharia economic law on economic growth in Muslim-majority countries from a global perspective. The research aims to analyze the relationship between Sharia economic law and economic growth, identifying key drivers, challenges, and opportunities for sustainable development in Muslim-majority countries. A mixed-methods approach is employed, combining quantitative analysis of macroeconomic data from 20 Muslim-majority countries and qualitative interviews with policymakers, economists, and Sharia scholars. Data were analyzed using regression models and thematic analysis. The findings reveal that Sharia economic law positively impacts economic growth by promoting ethical investments, financial inclusion, and risk-sharing mechanisms. However, challenges such as regulatory inconsistencies, limited financial literacy, and inadequate infrastructure hinder its full potential. Countries with robust Sharia governance frameworks and supportive policies reported higher economic growth rates.
Digital Narratives as Emotional Scaffolds: A Case Study of Student-Generated Stories in Thai ESL Classrooms Pong Krit; Rit Som; Siri Lek
Journal Emerging Technologies in Education Vol. 3 No. 5 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jete.v3i5.2237

Abstract

Background. The increasing integration of digital storytelling in English as a Second Language (ESL) education highlights its potential not only for linguistic development but also for emotional expression among learners. Purpose. This study investigates how digital narratives created by Thai ESL students function as emotional scaffolds in language learning environments. The research aims to explore the affective dimensions of student-generated digital stories, specifically how these narratives foster emotional engagement, self-expression, and learner identity in the ESL classroom. Method. Using a qualitative case study approach, data were collected through interviews, classroom observations, and content analysis of student projects. Results. Findings indicate that digital storytelling enabled students to externalize personal experiences, reduce language anxiety, and build emotional connections with the learning content. Furthermore, the process encouraged collaborative dialogue and empathy among peers. Conclusion. The study concludes that digital narratives serve as both pedagogical and emotional tools, bridging language skills with psychological well-being. Implications suggest that ESL educators should intentionally design digital storytelling tasks to support students' emotional development alongside language proficiency.
The Privacy Paradox in Smart Classrooms: Balancing Data-Driven Personalization with Student Data Protection and Ethical Governance Rit Som; Pierre Ndayizeye; Alida Ntahonkiriye
Journal Emerging Technologies in Education Vol. 4 No. 1 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jete.v4i1.3187

Abstract

Background: The integration of smart technologies in classrooms has significantly enhanced personalized learning by utilizing data analytics to cater to individual student needs. However, the increasing reliance on student data has raised concerns about privacy, security, and ethical governance, creating what is known as the "privacy paradox." This paradox reflects the tension between the benefits of data-driven personalization and the need to protect student privacy. Purpose: This study aims to explore the privacy paradox in smart classrooms, examining how educational institutions balance the benefits of personalized learning with the ethical responsibilities of student data protection. The research investigates the perceptions of students, teachers, and administrators regarding data privacy and governance practices in smart classrooms. Method: A mixed-methods approach was employed, combining quantitative surveys and qualitative interviews with 200 participants, including students, teachers, and administrators from higher education institutions that use smart classroom technologies. The survey assessed privacy concerns, while interviews provided deeper insights into the ethical dilemmas and data governance practices. Results: The findings revealed a significant gap between students’ concerns about privacy and the confidence administrators had in data protection measures. Students expressed high concern over their data, whereas administrators were more confident in their institution’s data governance, highlighting a lack of transparency. Conclusion: The study underscores the need for improved transparency and ethical governance in smart classrooms to address privacy concerns. Effective data protection policies and communication are essential to balancing data-driven personalization with student privacy.
Designing a Cloud-Based Ubiquitous Learning Environment for a Hybrid University Language Course Aom Thai; Rit Som; Ming Kiri; Rustiyana Rustiyana
International Journal of Language and Ubiquitous Learning Vol. 3 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijlul.v3i6.2846

Abstract

Background. The rise of hybrid learning models in higher education has highlighted the need for flexible, scalable, and context-aware digital learning environments capable of supporting continuous language learning beyond classroom boundaries. Purpose. This study aims to design and evaluate a cloud-based ubiquitous learning environment tailored for a hybrid university language course to enhance learner autonomy, engagement, and communicative competence.   Method. Employing a design-based research methodology, the study involved iterative cycles of analysis, design, implementation, and evaluation with 42 undergraduate language learners. Data were collected through system usage analytics, pre- and post-course proficiency assessments, and learner experience surveys. Results. The results indicate significant improvements in vocabulary retention, listening comprehension, and task-based communication skills, accompanied by increased learner satisfaction with the flexibility and responsiveness of the system. Conclusion. The study concludes that a cloud-based ubiquitous learning environment can meaningfully enhance hybrid language instruction by integrating mobility, accessibility, and real-time support into traditional course structures.  
Mobile-Assisted Language Learning (MALL) for Indonesian EFL Learners: Enhancing Vocabulary Through Gamified Apps Ming Pong; Rit Som; Vann Sok
International Journal of Language and Ubiquitous Learning Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijlul.v3i3.2991

Abstract

Background. Rapid technological advancement has reshaped English language teaching, prompting the integration of mobile-assisted language learning (MALL) as a dynamic medium for vocabulary acquisition. In Indonesia, where English is a foreign language (EFL), learners often struggle to retain vocabulary due to limited exposure and traditional memorization-based methods. Purpose. This study investigates the effectiveness of gamified mobile applications in enhancing Indonesian EFL learners’ vocabulary mastery within the MALL framework Method. The study involved 288 university students from Chinese, Japanese, and Korean TFL settings, and the data from questionnaires were analysed using appropriate statistical methods. Results. Data were collected through pre- and post-tests, learner attitude questionnaires, and semi-structured interviews. Statistical analysis using paired-sample t-tests revealed a significant improvement in vocabulary scores of the experimental group compared to the control group (p < .05). Qualitative findings further indicated that gamification fostered higher motivation, self-efficacy, and autonomous learning behaviors.. Conclusion. The study concludes that integrating gamified MALL platforms effectively bridges linguistic and motivational challenges among Indonesian EFL learners, providing a sustainable alternative to traditional instruction. These findings underscore the pedagogical potential of mobile technology to support vocabulary development and learner engagement in digitally enriched learning environments.
Co-Authors Alida Ntahonkiriye Anna Charalambous Aom Thai Ardi Azhar Nampira Ari Purwanti Chai Pao Charlotte Harris Daiki Nishida Ela Laelasari Faisal Razak Giovanni Rossi Haziq Idris Herri Trisna Frianto, Herri Trisna Imam Aulia Rahman Imron Natsir Ming Kiri Ming Pong Napat Chai Pierre Ndayizeye Pong Krit Rustiyana, Rustiyana Siri Lek Som Chai T. Amirul Muttaqin Ton Kiat Utary Rustam Vann Sok Widiharto Purnomo