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

[1] Abdulwahid Ahmad Hashed Abdullah, Faozi A. Almaqtari. (2024) The Impact Of Artificial Intelligence And Industry 4.0 On Transforming Accounting And Auditing Practices. Journal Of Open Innovation: Technology, Market, And Complexity, Volume 10, Issue 1, 100218, ISSN 2199-8531. Https://Doi.Org/10.1016/J.Joitmc.2024.100218.
[2] Adelakun, Beatrice. (2023). AI-DRIVEN FINANCIAL FORECASTING: INNOVATIONS AND IMPLICATIONS FOR ACCOUNTING PRACTICES. International Journal Of Advanced Economics. 5. 323-338. 10.51594/Ijae.V5i9.1231.
[3] Ajax, Raymond & Daniel, Samon & Alex, William. (2025). AI For Identifying Cost Overruns And Anomalies.
[4] Ajax, Raymond & Joseph, Oluwaseyi & Own, John. (2025). How Real-Time Dashboards Improve Business Performance.
[5] Ajirotutu, Rasheed & Garba, Baalah & Johnson, Segun. (2024). AI-Driven Risk Mitigation: Transforming Project Management In Construction And Infrastructure Development. World Journal Of Advanced Engineering Technology And Sciences. 13. 611-623. 10.30574/Wjaets.2024.13.2.0628..

[1] Afenupor, I. (2021). The Determinants Of Trade Credits Among Listed Firms In Ghana. Afribary. Https://Afribary.Com/Works/The-Determinants-Of-Trade-Credits-Among-Listed-Firms-In-Ghana
[2] Afreximbank. (2022). African Trade Report 2022: Leveraging Intra-African Trade For Inclusive Growth. African Export-Import Bank. Https://Afreximbank.Com/
[3] Atradius. (2021). Annual Report 2020: Supporting Trade During Uncertain Times. Atradius Credit Insurance N.V.
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[1] Abdul, Sabah Kazim And Al-Hassan, Tamima, Strategic Auditing And Its Role In The Performance Of Non-Profit Units, Department Of Accounting, College Of Business, Al-Jinan University, Published Research, 2024.
[2] Al-Shaabani, Saleh Ibrahim And Al-Jamil, Waad Hussein, Features Of The Application Of Strategic Auditing In Iraq, Anbar University Journal Of Economic And Administrative Sciences, Volume 4, Issue 2, 2012.
[3] Amin, Sakar Zahir, The Role Of Strategic Auditing In Reducing Financial Difficulty Of Companies, Journal Of Business Economics, Volume 2, Issue 2, 2022.
[4] Suleiman, Intisar, Predicting Financial Difficulty In Economic Institutions, Phd Thesis, Faculty Of Economics And Business, University Of Batta, Algeria, 2016.
[5] Al-Farra, Abdul-Shakoor Abdul-Rahman, The Importance Of Financial Statements In Predicting Financial Difficulty Of Saudi Industrial Joint Stock Companies In The Cement Industry, Journal Of Accounting And Administrative Studies, Issue 7, 2017.

[1] Awokuse, T.O. And Xie, R. (2015) ‘Does Agriculture Really Matter For Economic Growth In Developing Countries?’, Canadian Journal Of Agricultural Economics, 63(1), Pp. 77–99.
[2] Foster, A. D. And Rosenzweig, M. R (2004). Agricultural Productivity Growth, Rural Economic Diversity, And Economic Reforms: India, 1970-2000. Economic Development And Cultural Change. Vol. 52, No. 3.
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[4] Butos Paula, Bruno Caprettini, Jacopo Ponticelli. 2016. Agricultural Productivity And Structural Transformation: Evidence From Brazil. American Economic Review, 106 (6): 1320-65
[5] Chenery, H. B And Syrquin, M. (1975) Patterns Of Development, 1950-1970. London: Oxford University Press.

[1] Boggs C (2015) Drugs, Power, And Politics: Narco Wars, Big Pharma, And The Subversion Of Democracy United Kingdom: Taylor & Francis Publishing.
[2] FATF (2009) Money Laundering Available At Https://Www.Fatf-Gafi.Org/Faq/Moneylaundering/ (Visited 3 September 2021).
[3] Waal A (2015) The Real Politics Of The Horn Of Africa: Money, War And The Business Of Power Cambridge: Polity Publishing.
[4] Home Secretary And Office Of The Financial Sanctions Implementation (2021) Financial Sanctions, South Sudan Available At Https://Www.Gov.Uk/Government/Publications/Financial-Sanctions-South-Sudan (Visited 3 September 2012).
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[1] Ashraf, M. A. (2023). Comprehending The Intention To Use Branchless Banking By Rural People During The Coronavirus Pandemic: Evidence From Bangladesh. J Financ Serv Mark 28, 99–116 Https://Doi.Org/10.1057/S41264-021-00136-7
[2] Babu, K. (2021). Artificial Intelligence In Bangladesh, Its Applications In Different Sectors And Relevant Challenges For The Government: An Analysis. International Journal Of Public Law And Policy.
[3] Bose, S., Khan, H. Z., & Monem, R. M. (2020). Does Green Banking Performance Pay Off? Evidence From A Unique Regulatory Setting In Bangladesh. Sustainability & Economics Ejournal. Https://Doi.Org/10.1111/Corg.12349
[4] Sajib, S. H. & Kabir, M. S. (2021). Impact Of Covid-19 Pandemic On Small Entrepreneurship In Bangladesh. Journal Of Entrepreneurship And Business Resilience, 4(1), 41-48.
[5] Husain, A. R. A. M., Hamdan, A., & Fadhul, S. M. (2022). The Impact Of Artificial Intelligence On The Banking Industry Performance. Future Of Organizations And Work After The 4th Industrial Revolution: The Role Of Artificial Intelligence. Bigdata, Automation, And Robotics, 145–156

[1] Bardhi, F., & Arnould, E. J. (2005). Thrift Shopping: Combining Utilitarian And Hedonic Con- Sumption Motives. Journal Of Consumer Behaviour, 4(4), 223–233.
[2] Christiansen, T., & Snepenger, D. (2005). Thrift Mavens And Their Influence On Thrift Shopping. Journal Of Consumer Marketing, 22(4), 207–213.
[3] Cozer, D. (2018). Building Trust In Second-Hand Online Platforms: Challenges And Opportuni- Ties. Journal Of Retail And Consumer Services, 43, 213–220.
[4] Ferraro, C., Sands, S., & Brace-Govan, J. (2016). Second-Hand Fashion And The Rise Of Style Over Stigma. European Journal Of Marketing, 50(12), 2306–2323.
[5] Gupta, A. (2021). Eco-Conscious Consumer Behavior And The Rise Of Thrifting In India. Indian Journal Of Environmental Management, 29(1), 55–63.

[1] Adepoju, A., & Oyegoke, O. (2018). Correlates Of Food Insecurity Status Of Urban Households In Ibadan Metropolis, Oyo State, Nigeria. International Food Research Journal, 25(6), 2248-2254.
[2] Altieri, M. A. (2009). The Ecological Impacts Of Industrial Agriculture And The Possibilities For Truly Sustainable Farming. Monthly Review, 61(3), 102-114.
[3] Arya, C., & Bisht, A. (2022). Small Millets: Path To Food And Nutrition Security. In Small Millet Grains: The Superfoods In Human Diet (Pp. 161-190). Singapore: Springer Nature Singapore.
[4] Black, R. E., Allen, L. H., Bhutta, Z. A., Caulfield, L. E., De Onis, M., Ezzati, M., … & Rivera, J. (2008). Maternal And Child Undernutrition: Global And Regional Exposures And Health Consequences. The Lancet, 371(9608), 243-260.
[5] Drewnowski, A., & Evans, W. J. (2001). Nutrition, Physical Activity, And Quality Of Life In Older Adults: Summary. The Journals Of Gerontology Series A: Biological Sciences And Medical Sciences, 56(Suppl_2), 89-94..

[1] Falk, M., & Hagsten, E. (2015). E-Commerce Trends And Impacts Across Europe. International Journal Of Production Economics, 170, 357-369.
[2] Leung, C. (2018). Smes And Digital Transformation In ASEAN. ASEAN Development Journal, 15(2), 45-62.
[3] Tran, M. T., & Nguyen, H. L. (2021). Barriers To Digital Adoption In Vietnamese Smes. Journal Of Asian Business And Economics, 12(4), 114–129.
[4] Tornatzky, L. G., & Fleischer, M. (1990). The Processes Of Technological Innovation. Lexington Books.
[5] Vietnam E-Commerce Association (VECOM). (2022). Annual E-Commerce Report.

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