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All Journal Journal Of World Science Eduvest - Journal of Universal Studies Al-Fadilah: Islamic Economics Journal Cleanliness: Journal of Health Sciences and Medical Research
Fayaz Gul Mazloum YAR
Nangarhar University, Afghanistan
Religion Aerospace Engineering Computer Science & IT Dentistry Economics, Econometrics & Finance Engineering Health Professions Law, Crime, Criminology & Criminal Justice Neuroscience Nursing Public Health Social Sciences

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Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025) Fayaz Gul Mazloum Yar; Ahmad Khosrow Sharifi
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.79

Abstract

Conflict‑affected rural microfinance faces data scarcity and repayment volatility, limiting sustainable outreach. No prior empirical study has evaluated Digital Financial Twin (DFT) analytics within Shariah‑compliant institutions under conflict conditions. We integrate cyber‑physical simulation with Islamic microfinance, offering the first large‑scale evidence of DFT impact on financial and poverty outcomes. We employ a quasi‑experimental design combining geospatial conflict data (ACLED), loan‑level records from five Islamic MFIs (N = 48,360 loans across 120 rural districts), and UNDP Multidimensional Poverty Index scores. Multivariate logistic regressions, structural equation modeling (SEM), and GIS mapping were implemented using R (v4.2.2) and lavaan (v0.6‑12). DFT deployment correlates with a 5.8 pp increase in on‑time repayment (OR = 1.27, 95% CI [1.18, 1.37], p < 0.001) and a 5.9 pp reduction in default rates (OR = 0.72, 95% CI [0.64, 0.81], p < 0.001). SEM indicates a significant moderating effect of DFT on conflict intensity (β = 0.29, p < 0.01). GIS heatmaps demonstrate sustained outreach in high‑conflict zones. DFT analytics enhance Shariah‑compliant microfinance performance and resilience in fragile settings, informing policy on digital infrastructure investment in conflict‑affected economies.
Comparative Analysis of Rural Development Strategies in Select Successful Nations: Contextual Lessons for Afghanistan Fayaz Gul Mazloum Yar; Bashir Ahmad Niazmal
Journal of World Science Vol. 4 No. 10 (2025): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v4i10.1384

Abstract

Rural development plays a pivotal role in national progress, particularly in developing countries where a large proportion of the population resides in rural areas. This research paper presents a comparative analysis of rural development strategies employed by six successful nations: China, India, Japan, Iran, Turkey, and Malaysia. By examining and contrasting the approaches adopted in each country, the study identifies key strategies, challenges, and policy outcomes that have significantly contributed to the socioeconomic transformation of rural communities. The research utilizes a qualitative comparative methodology, relying on secondary data from scholarly articles, governmental reports, and international development databases. The analysis reveals that effective rural development is multifaceted, often involving integrated strategies such as agricultural modernization, infrastructure investment, decentralized governance, education and health reforms, and sustainable environmental practices. The study finds that while each country’s approach reflects its unique historical, cultural, and political context, common factors such as strong institutional frameworks, community participation, and targeted government support are consistently associated with successful outcomes. Moreover, the paper critically evaluates the role of international cooperation, innovation, and technology transfer in amplifying rural development impact. The findings offer valuable insights for policymakers, planners, and development practitioners in countries like Afghanistan that face persistent rural challenges. By learning from diverse international experiences, this research advocates for adaptive, context-sensitive policies that prioritize rural empowerment, equity, and resilience. Ultimately, the study contributes to the broader discourse on sustainable development by emphasizing the strategic importance of rural areas in achieving national development goals.
Influence of Geography on the Formation of Ancient Civilizations: An Analysis of the Role of the Natural Environment in the Development of Early Societies Fayaz Gul Mazloum Yar; Mastali Niazai
Eduvest - Journal of Universal Studies Vol. 5 No. 3 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i3.49980

Abstract

This article examines the role of geography in the formation of ancient civilizations such as Egypt, Mesopotamia, the Indus Valley, and China. By analyzing environmental factors such as rivers, fertile soil, climate, and geographic location, we demonstrate how these factors acted as primary drivers in the development of agriculture, trade, and social organization. The research methodology of this article is based on historical-geographical analysis utilizing library resources, historical documents, and archaeological data. The findings indicate that rivers, as vital arteries, enabled sustainable agriculture and trade, while climate and fertile soil contributed to economic and population growth. Furthermore, strategic geographic locations acted as key factors in shaping political boundaries and cultural interactions. This article concludes that geography not only served as an environmental factor but also acted as a driving force in the evolution of human societies. Future research is suggested to focus on the impact of geography on lesser-known civilizations and the role of technology in overcoming geographical limitations.  
The Evolution of Afghanistan's Borders Throughout History and Its Geopolitical Impacts Fayaz Gul Mazloum Yar; Sayed Habibullah Sadaat
Eduvest - Journal of Universal Studies Vol. 5 No. 3 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i3.51015

Abstract

This research explores the historical evolution of Afghanistan's borders and their geopolitical impacts. The main goal of the study is to analyze how changes in Afghanistan's borders have influenced its security, economy, international relations, and domestic politics, as well as its role in regional and global power dynamics. The research uses a systematic review of historical sources, geopolitical analyses, and both qualitative and quantitative data. The sources include historical treaties, diplomatic documents, reports from international organizations, and academic studies published. The findings reveal that Afghanistan's borders have undergone significant changes throughout history, largely influenced by colonial powers and regional rivalries. These border changes have had profound effects on Afghanistan's national and regional security, contributing to issues such as drug trafficking, terrorism, and illegal migration. Additionally, Afghanistan's economy has been heavily impacted by unstable borders and political tensions with neighboring countries. The creation of artificial borders, such as the Durand Line, has also led to ethnic and identity challenges within the country. Due to its strategic location, Afghanistan plays a crucial role in regional and global power dynamics. The country's borders have not only shaped its internal structure but have also had significant implications for international relations and regional security. To stabilize its borders and enhance overall stability, Afghanistan must engage in active diplomacy, foster regional economic cooperation, and implement effective border management strategies. These measures can help strengthen Afghanistan's position in regional and global power dynamics, contributing to long-term peace and development.
Push-Pull Dynamics in Afghan Illegal Migration and Returnee Reintegration Fayaz Gul Mazloum Yar; Ebadullah Amir
Eduvest - Journal of Universal Studies Vol. 5 No. 5 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i5.51164

Abstract

This study explores the complex push and pull factors driving illegal migration from Afghanistan and the reintegration challenges faced by returnees. While extensive literature addresses Afghan migration, there remains a significant research gap concerning how forced returnees navigate reintegration amid structural constraints and socio-political instability. Using a qualitative case study approach, this research draws on in-depth interviews with 45 returnees and key informants in Nangarhar province. Findings indicate that economic hardship, insecurity, and weak state capacity are primary push factors, while the illusion of opportunity and established diaspora networks act as pull factors. Reintegration is hindered by limited institutional support, lack of livelihood opportunities, and social stigmatization. This study contributes to the migration literature by elucidating how macro-structural and micro-level conditions intersect in shaping the migration-reintegration continuum. Policy implications include the need for tailored reintegration programs, locally grounded support structures, and bilateral cooperation to manage irregular migration flows. This study addresses the lack of empirical focus on the reintegration trajectories of forced Afghan returnees under illegal migration frameworks. Findings offer actionable insights for designing reintegration policies that are context-sensitive and sustainable.
Strengthening Rural Healthcare: Comparative Innovations and Localized Strategies for Capacity Building Fayaz Gul Mazloum Yar; Ezat Ullah Sail
Cleanliness: Journal of Health Sciences and Medical Research Vol. 3 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/clean.v3i1.17

Abstract

The rural healthcare system in Afghanistan faces significant challenges, including limited access to services, workforce shortages, and inadequate infrastructure. This study explores innovative capacity-building approaches from India, Rwanda, and Bangladesh to identify strategies applicable to Afghanistan’s context. Using a mixed-methods approach, data were collected through surveys, interviews, and secondary analysis of healthcare indicators. Findings reveal that geographic isolation, gender disparities in the workforce, and resource deficiencies are critical barriers to effective healthcare delivery. Lessons from international case studies highlight the potential of community health worker programs, task-shifting strategies, and telemedicine solutions to address these challenges. Notably, 85% of stakeholders supported adapting task-shifting models, while 74% advocated for telemedicine integration to improve access in remote areas. This study contributes to the academic discourse on health systems strengthening by providing actionable recommendations tailored to Afghanistan’s socio-cultural and geographic realities. It emphasizes the importance of gender-inclusive policies, community engagement, and technology-driven solutions in creating a resilient rural healthcare system. The findings offer a roadmap for policymakers and practitioners to enhance healthcare access and equity in underserved regions
Co-Authors Ahmad Khosrow Sharifi Bashir Ahmad Niazmal Ebadullah Amir Ezat Ullah Sail Mastali Niazai Sayed Habibullah Sadaat