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			<pubDate><![CDATA[Tue, 07 Oct 2025 00:54:50 +0000]]></pubDate>
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			<pubDate><![CDATA[Tue, 30 Sep 2025 04:52:42 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/survey-and-financial-literacy-among-the-anak-dalam-tribe-in-sarolangun-jambi/]]></guid>
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			<pubDate><![CDATA[Tue, 30 Sep 2025 04:40:40 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/collecting-data-on-fintech-adoption-among-msmes-in-south-sumatera/]]></guid>
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			<pubDate><![CDATA[Tue, 30 Sep 2025 04:39:12 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/data-analysis-of-fintech-adoption-for-rural-and-urban-msmes-in-indonesia/]]></guid>
			<link><![CDATA[https://normafaresearch.com/data-analysis-of-fintech-adoption-for-rural-and-urban-msmes-in-indonesia/]]></link>
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			<guid><![CDATA[https://normafaresearch.com/empowering-smes-through-financial-education-in-south-sumatera-indonesia/]]></guid>
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			<pubDate><![CDATA[Tue, 30 Sep 2025 03:31:08 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/community-action-for-science-teachers-at-woldia-university/]]></guid>
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			<title>Community Action for Science Teachers at Woldia University</title>
			<pubDate><![CDATA[Tue, 30 Sep 2025 02:58:13 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/quest-for-financial-inclusion-via-digital-financial-services-fintech-during-covid-19-pandemic-case-study-of-women-in-indonesia/]]></guid>
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			<title>Quest for financial inclusion via digital financial services (Fintech) during COVID-19 pandemic: case study of women in Indonesia</title>
			<pubDate><![CDATA[Tue, 16 Sep 2025 01:29:02 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/esg-performance-and-capital-financing-in-chinese-state-owned-enterprises/]]></guid>
			<link><![CDATA[https://normafaresearch.com/esg-performance-and-capital-financing-in-chinese-state-owned-enterprises/]]></link>
			<title>ESG Performance and Capital Financing in Chinese State-Owned Enterprises</title>
			<pubDate><![CDATA[Thu, 18 Sep 2025 14:42:09 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/flood-on-danube-and-inspiration-to-elaborate-perceived-green-finance/]]></guid>
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			<guid><![CDATA[https://normafaresearch.com/tes-1/]]></guid>
			<link><![CDATA[https://normafaresearch.com/tes-1/]]></link>
			<title>Normafa Research Center Collaborates with Rumah BUMN to Strengthen Financial Inclusion for MSMEs</title>
			<pubDate><![CDATA[Mon, 29 Sep 2025 13:24:34 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/inclusive-economic-growth-in-nusa-tenggara-barat/]]></guid>
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			<pubDate><![CDATA[Fri, 26 Sep 2025 13:13:15 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/islamic-finance-risk-sharing-and-sustainable-production/]]></guid>
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			<pubDate><![CDATA[Thu, 18 Sep 2025 14:47:23 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/covid-19-and-the-islamic-stock-index-understanding-market-behavior-and-volatility/]]></guid>
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			<title>COVID-19 and the Islamic Stock Index: Understanding Market Behavior and Volatility</title>
			<pubDate><![CDATA[Thu, 18 Sep 2025 14:32:44 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/performance-management-systems-and-employee-productivity-in-ethiopian-smes/]]></guid>
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			<pubDate><![CDATA[Thu, 18 Sep 2025 13:51:18 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/freshwater-aquaculture-development-in-eu-and-latin-america-insight-on-production-trends-and-resource-endowments/]]></guid>
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			<title>Freshwater Aquaculture Development in EU and Latin-America: Insight on Production Trends and Resource Endowments</title>
			<pubDate><![CDATA[Thu, 18 Sep 2025 09:53:07 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/cleaning-domos-ram-szakadek-a-step-toward-sustainable-tourism/]]></guid>
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			<pubDate><![CDATA[Mon, 29 Sep 2025 13:22:56 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 18 Sep 2025 09:47:54 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/the-global-findex-database/]]></guid>
			<link><![CDATA[https://normafaresearch.com/the-global-findex-database/]]></link>
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			<guid><![CDATA[https://normafaresearch.com/advancing-inclusive-growth-through-research-and-collaboration/]]></guid>
			<link><![CDATA[https://normafaresearch.com/advancing-inclusive-growth-through-research-and-collaboration/]]></link>
			<title>Advancing Inclusive Growth through Research and Collaboration</title>
			<pubDate><![CDATA[Fri, 26 Sep 2025 13:12:22 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/food-security-policies-in-colombia-and-kyrgyzstan-lessons-from-2000-to-2018/]]></guid>
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			<pubDate><![CDATA[Thu, 18 Sep 2025 08:39:59 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/the-impact-of-climate-change-on-food-security-evidence-from-panel-data-analysis-in-central-asia/]]></guid>
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			<title>The Impact of Climate Change on Food Security: Evidence from Panel Data Analysis in Central Asia</title>
			<pubDate><![CDATA[Thu, 18 Sep 2025 08:10:31 +0000]]></pubDate>
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			<title>Join as client</title>
			<pubDate><![CDATA[Mon, 22 Sep 2025 07:15:45 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/financial-technology-fintech-innovation-and-financial-inclusion-a-comparative-study-of-urban-and-rural-consumers-post-covid-19/]]></guid>
			<link><![CDATA[https://normafaresearch.com/financial-technology-fintech-innovation-and-financial-inclusion-a-comparative-study-of-urban-and-rural-consumers-post-covid-19/]]></link>
			<title>Financial Technology (Fintech) Innovation and Financial Inclusion: A Comparative Study of Urban and Rural Consumers Post-Covid-19</title>
			<pubDate><![CDATA[Tue, 16 Sep 2025 01:26:05 +0000]]></pubDate>
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			<guid><![CDATA[https://normafaresearch.com/oil-crisis-vs-pandemic-insights-from-islamic-and-conventional-stock-markets/]]></guid>
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			<title>Oil Crisis vs Pandemic: Insights from Islamic and Conventional Stock Markets</title>
			<pubDate><![CDATA[Thu, 18 Sep 2025 14:52:02 +0000]]></pubDate>
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