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Cyber Opportunities: Fostering Women's Empowerment through E-Commerce in Afghanistan Hakimi, Musawer; Fazil, Abdul Wajid; Ahmady, Ezatullah; Qarizada, Abdulkhaliq; Quraishi, Tamana
Room of Civil Society Development Vol. 3 No. 1 (2024): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.275

This research undertakes a comprehensive exploration of the intersection between women's empowerment and E-commerce, with a specific focus on the unique challenges and opportunities presented in Afghanistan's post-conflict landscape. Globally, E-commerce has emerged as a transformative force, breaking down traditional barriers and providing avenues for women's active participation in economic activities. However, Afghanistan's socio-cultural context introduces nuanced challenges, including cultural norms, societal expectations, and limited access to technology. Employing a mixed-methods research design, this study gathers insights from 100 Afghan women engaged in E-commerce activities. The findings reveal multifaceted challenges, emphasizing the need for targeted interventions to bridge the digital divide and address cultural barriers. Despite obstacles, the study underscores the resilience of women entrepreneurs in navigating the digital landscape. Education and digital literacy emerge as pivotal factors shaping women's participation, highlighting the necessity for tailored initiatives. The research culminates in key recommendations, advocating for clear national policies, enhanced cybersecurity measures, and digital literacy programs. Support for women entrepreneurship and collaboration with international partners are emphasized to create an inclusive and supportive environment for women in the digital economy. This research serves as a foundational resource for policymakers, researchers, and practitioners, offering actionable insights to empower Afghan women in E-commerce. By implementing the recommended strategies, Afghanistan can pave the way for sustainable development, economic growth, and the meaningful inclusion of women in the digital landscape.

Impact of Key Factors on Student Satisfaction in Private Universities of Balkh Province: A Multivariate Linear Regression Analysis Qarizada, Abdulkhaliq; Mustafa Qaderi; Farhad Bahrangi
ARMADA : Jurnal Penelitian Multidisiplin Vol. 3 No. 10 (2025): ARMADA : Jurnal Penelitian Multidisplin, Oktober 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/armada.v3i10.1777

This study investigates the impact of key factors on overall student satisfaction in private universities in Balkh Province, Afghanistan. Five primary factors teaching quality, educational facilities, administrative management, social environment, and costs were examined as independent variables. Data were collected from 350 students using a standardized questionnaire and analyzed through multivariate linear regression in SPSS. The statistical analysis revealed that the model explains 97.7% of the variance in overall student satisfaction, indicating high explanatory power. Findings suggest that teaching quality, educational facilities, and administrative management have a significant positive impact on student satisfaction, while social environment and costs showed no significant effect. Among these, teaching quality emerged as the strongest predictor, playing a pivotal role in enhancing students’ academic experience and motivation. These results align with prior research and underscore the importance of improving educational processes and efficient management to elevate student satisfaction. Given the local context of Afghanistan and post-COVID-19 challenges, this study introduces novelty by exploring the influence of digital technology on satisfaction factors. Based on the findings, it is recommended that universities prioritize faculty development, upgrade educational facilities, and streamline administrative systems to enhance educational quality and student experience. Future research should adopt a broader approach to examine the role of costs, financial equity in education, and digital factors in student satisfaction.

Exploring the Economic Impact of Banking Digitalization through Statistical and Computational Methods Qarizada, Abdulkhaliq; Sazish, Baryali
Journal of Advanced Computer Knowledge and Algorithms Vol. 3 No. 1 (2026): Journal of Advanced Computer Knowledge and Algorithms - January 2026 (In Press)
Publisher : Department of Informatics, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jacka.v3i1.25018

In the era of the Fourth Industrial Revolution, banking digitalization has emerged as a pivotal driver of economic development, fostering efficiency, financial inclusion, and technological innovation. The increasing adoption of mobile banking, online transactions, digital payment systems, and financial technologies (FinTech) has reshaped traditional financial systems and influenced macroeconomic outcomes such as GDP growth, investment, and employment. The purpose of this study is to systematically analyze the impact of banking digitalization on economic development, with a particular focus on the role of computational and machine learning techniques in assessing digital financial inclusion. A systematic literature review (SLR) methodology was employed, covering peer-reviewed studies published between 2020 and 2025. Relevant literature was retrieved from reputable databases including IEEE Xplore, ScienceDirect, Wiley Online Library, and MDPI, using keywords such as “banking digitalization,” “digital financial inclusion,” “economic development,” and “machine learning in banking.” The review process followed a transparent screening and selection protocol based on PRISMA guidelines, resulting in 21 studies that met the inclusion criteria. The selected studies employed a range of methodologies, including panel regression, Bayesian modeling, fuzzy multi-criteria decision-making (MCDM), artificial neural networks (ANN), and SEM–ANN hybrid approaches, allowing for comprehensive analysis of quantitative and computational perspectives. The results reveal that banking digitalization exerts a strong and positive influence on economic development. Digital financial inclusion significantly contributes to GDP growth, investment, and employment, particularly in emerging economies with supportive infrastructure and policies. Moreover, computational and machine learning techniques enhance the precision of evaluating digitalization impacts, enabling predictive insights into economic outcomes and labor market dynamics. In conclusion, banking digitalization serves as a transformative mechanism for promoting sustainable economic growth. Strategic investment in digital infrastructure, human capital development, and robust regulatory frameworks is essential to maximize the socioeconomic benefits of digital finance. The integration of advanced computational techniques further supports evidence-based decision-making, ensuring that digital banking contributes effectively to inclusive and resilient economic development.

Cyber Opportunities: Fostering Women's Empowerment through E-Commerce in Afghanistan Hakimi, Musawer; Fazil, Abdul Wajid; Ahmady, Ezatullah; Qarizada, Abdulkhaliq; Quraishi, Tamana
Room of Civil Society Development Vol. 3 No. 1 (2024): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.275

This research undertakes a comprehensive exploration of the intersection between women's empowerment and E-commerce, with a specific focus on the unique challenges and opportunities presented in Afghanistan's post-conflict landscape. Globally, E-commerce has emerged as a transformative force, breaking down traditional barriers and providing avenues for women's active participation in economic activities. However, Afghanistan's socio-cultural context introduces nuanced challenges, including cultural norms, societal expectations, and limited access to technology. Employing a mixed-methods research design, this study gathers insights from 100 Afghan women engaged in E-commerce activities. The findings reveal multifaceted challenges, emphasizing the need for targeted interventions to bridge the digital divide and address cultural barriers. Despite obstacles, the study underscores the resilience of women entrepreneurs in navigating the digital landscape. Education and digital literacy emerge as pivotal factors shaping women's participation, highlighting the necessity for tailored initiatives. The research culminates in key recommendations, advocating for clear national policies, enhanced cybersecurity measures, and digital literacy programs. Support for women entrepreneurship and collaboration with international partners are emphasized to create an inclusive and supportive environment for women in the digital economy. This research serves as a foundational resource for policymakers, researchers, and practitioners, offering actionable insights to empower Afghan women in E-commerce. By implementing the recommended strategies, Afghanistan can pave the way for sustainable development, economic growth, and the meaningful inclusion of women in the digital landscape.

Cyber Opportunities: Fostering Women's Empowerment through E-Commerce in Afghanistan Hakimi, Musawer; Fazil, Abdul Wajid; Ahmady, Ezatullah; Qarizada, Abdulkhaliq; Quraishi, Tamana
Room of Civil Society Development Vol. 3 No. 1 (2024): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.275

This research undertakes a comprehensive exploration of the intersection between women's empowerment and E-commerce, with a specific focus on the unique challenges and opportunities presented in Afghanistan's post-conflict landscape. Globally, E-commerce has emerged as a transformative force, breaking down traditional barriers and providing avenues for women's active participation in economic activities. However, Afghanistan's socio-cultural context introduces nuanced challenges, including cultural norms, societal expectations, and limited access to technology. Employing a mixed-methods research design, this study gathers insights from 100 Afghan women engaged in E-commerce activities. The findings reveal multifaceted challenges, emphasizing the need for targeted interventions to bridge the digital divide and address cultural barriers. Despite obstacles, the study underscores the resilience of women entrepreneurs in navigating the digital landscape. Education and digital literacy emerge as pivotal factors shaping women's participation, highlighting the necessity for tailored initiatives. The research culminates in key recommendations, advocating for clear national policies, enhanced cybersecurity measures, and digital literacy programs. Support for women entrepreneurship and collaboration with international partners are emphasized to create an inclusive and supportive environment for women in the digital economy. This research serves as a foundational resource for policymakers, researchers, and practitioners, offering actionable insights to empower Afghan women in E-commerce. By implementing the recommended strategies, Afghanistan can pave the way for sustainable development, economic growth, and the meaningful inclusion of women in the digital landscape.

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