Purpose: Moneylenders, sometimes called 'loan sharks' due to their high interest rates, are informal financial institutions that offer loans not in line with Islamic law. This study analyzes the factors that influence the behavior of households regarding debt to moneylenders. Research Methodology: This research employs descriptive and logistic regression analyses using primary data collected from locals in Jagapura village, Cirebon. Result: The results indicate that basic household necessities determine their debt behavior. However, Islamic financial literacy and increasing income present effective solutions for moneylenders to overcome their debt. Limitation: This study is based on primary data from a specific village, Jagapura, in Cirebon, which may not be representative of all households in debt to moneylenders in other regions or settings. Contribution: The study suggests that Islamic financial institutions should assist unbankable communities needing funds for daily expenses by performing social functions such as offering interest-free loans (qardhul hasan) and providing Islamic social finance. The establishment of sharia compliant savings and loans could also be a solution to usury-related issues.

Purpose: The main goal of this study is to determine how work-life balance factors influence employees' job satisfaction in the security sector. Research Methodology: To sample 115 employees, a quantitative methodology and correlational descriptive design, as well as a census technique, were used. The data were collected using structured questionnaires. The hypotheses were tested using multiple linear regression, and the data were input, processed, and analyzed using SPSS version 20. Results: The findings showed that employees benefit from the organization's work-life balance strategies developed to guarantee that work life is easy for all employees. It also highlighted that several work-life balance elements have a substantial influence on employees' job satisfaction. Limitations: A drawback is that, especially in Ghana's security industry, work-life balance practice has received less attention in the management literature. The study was limited in scope and concentrated on two districts in an urban environment. Contribution: This theory supports the notion that elements of work-life balance influence job satisfaction. Whatever occurred or Any effort made to support employees’ work life would produce definite results when these factors or practices are ingrained into the security service and other organizations’ general policies and programs. This amply demonstrates the importance of work-life balance as a pivot point for employees' ability to meet organizational goals. It is good that the human resource management of every organization pays critical attention to these factors because they will increase job satisfaction and enhance performance.

Purpose: This study aimed to assess the impact of recruitment and selection on organizational performance. It was to find out the recruitment and selection policy or practice, the impact of recruitment and selection process, the challenges associated with the recruitment and selection practice and ways to help improve human resource planning and development. Research Methodology: The study obtained information from twenty (20) respondents from staff of the Ethiopian Electric Power Corporation in the Mekelle branch using a questionnaire. The collected data were statistically analyzed using SPSS, and the chi-square test was used to interpret the hypotheses. Results: The results indicated that the advertising of job vacancies to the general public, use of employment agents, TV, newspapers, and employee referrals is mostly the mode for recruiting potential employees, and that the method used in the recruiting and selection process was very effective. Moreover, it helped improve employee performance, and the selection and recruitment process was also characterized by many challenges. Limitations: The major limitations of this study are time constraint, crisis of COVID 19, and inappropriate fulfillment of the questionnaire by respondents. Contribution: This study suggests that potential employees should be treated fairly in the recruitment and selection processes. Moreover, employees must be constantly appraised to ensure that they improve their performance.