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				Volume 14 Number 2s 
				 
				Guest Editor: 
				Professor Hesham 
				Magd, Ph.D. (Modern College of Business and Science, Oman) 
				Special Issue 
				Theme: Economic Transformation and Sustainability 
					
						
						
						
							
								
								
								
								Case Study: Application of 
								Design of Experiment (DoE) in Wet Sludge 
								Processing 
								Ahmed Awadh Alsaadi, Dawood Sulaiman Al Nabhani 
								pp. 1-7 
								 
								
								Climate Smart Agriculture 
								and Mitigation Techniques for Sustainable 
								Resilient Farming in Middle East Region 
								Henry Jonathan, Hesham Magd, Aatadal Al Salhi 
								pp. 8-19 
								 
								
								Critical Success Factors 
								of E-Learning Implementation in Higher Education 
								Institutions: A Proposed Framework for Success
								 
								Hesham Magd, Ahmed Nzomkunda, Saurav Negi, 
								Mohammad Ansari 
								pp. 20-38 
								 
								
								Key Challenges and Hazards 
								of Digital Transformation of Financial Services 
								Sector 
								Sweetline Sujee, Rima Solanki 
								pp. 39-50 
								 
								
								Digitalization - An 
								Emerging Business Trend for Sustainable 
								Transformation of SMEs Sectors: A Proposed Model 
								for Survival and Sustainability in Uncertainties 
								Hesham Magd, Henry Jonathan 
								pp. 51-65 
								 
								
								Omanis’ Perceptions on the 
								Economic and Environmental Impacts of Tourism 
								Bashir Fida, Sara Al-Farai, Umar Ahmed 
								pp. 66-75 
								 
								
								Fintech: A Disruptive 
								Innovation of the 21st Century, or Is It? 
								Rima Solanki, Sweetline Sujee L 
								pp. 76-87 
								 
								
								Operationalization of 
								Negosyo Center as an Entrepreneurial Strategy to 
								Selected Micro, Small, and Medium Enterprises in 
								Taguig City 
								Elizabeth B. Martinez, Amer Hani Al-Kassem, 
								Benjamin B. Aguenza 
								pp. 88-104 
								 
								
								Implications of Liquidity 
								Risk and Credit Risk on the Bank of Bhutan's 
								Financial Performance (BOB) 
								Indra Prasad Tirwa, Ujjal Bhuyan, Hesham Magd, 
								Shad Ahmad Khan 
								pp. 105-117 
								 
								
								Identification of At-Risk 
								Students and Higher Education Institutions’ 
								Strategies for Rising Their Potential: A 
								Conceptual Approach  
								Hesham Magd, Ravi Thirumalaisamy, Benson Ruzive 
								pp. 118-133 
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