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This paper aims to propose a new housing finance mechanism through gold price as an alternative to interest rate in Islamic home financing, especially on Bai’Bithaman Ajil (BBA) contract.

This study using simulation approach to calculate the monthly installments for home financing using gold price references. In simple terms, propose a financing formula in the BBA contract by converting the selling price of the house to the gold price, and then the monthly installments also follow the actual gold price. The authors provide an example by simulating this formula using historical data and cases of housing financing at Indonesian Islamic banks. The authors compare housing financing models based on gold prices and interest rates. Finally, The authors can compare the two housing financing models that are affordable for low-income people.

The results show that in the initial period, monthly installments of BBA based on gold price were lower than home financing based on interest rate. This result makes it possible for low-income people who cannot access financing based on interest rates to access financing based on gold price. However, the total installments of financing based on gold prices are higher than the financing model based on interest rates.

The paper confines one contract, namely, BBA, as it is claimed to be more Shariah-compliant than others.

These findings suggest an alternative model for Islamic banks and regulatory authorities in Indonesia to replace the interest rate reference with the gold price in BBA contract housing financing. This model can offer competitive advantages for Islamic banks, including lower initial installments and inflation-protected profits, serving as a means of differentiating them from conventional banks.

Gold price-based housing financing model in Islamic banks will increase the affordability of housing financing for low-income people.

This paper tries to solve two problems, namely, first, the problem of assuming that Islamic and conventional banks are the same, and second, the problem of housing finance affordability. This study needs to be explored.

Najib Mahfuz is the first Arab‐language author to win the Nobel Prize in literature. Born in 1911 the son of a middle‐class Jamaliyah merchant, he became the most popular novelist in Egypt and the Arab countries.

Students’ academic achievement is a multifaceted phenomenon. While depression can suppress academic performance, academic satisfaction can promote it. This study aims to investigate the relationship between depression and academic satisfaction among students studying at Shahroud University of Medical Sciences.

This cross-sectional study was carried out on 312 undergraduate students of Shahroud University of Medical Sciences. Data collection tools included demographic data form, University Student Depression Inventory and academic satisfaction scale. Data were collected by a simple random sampling method and self-reporting by the participants. Data were analyzed using descriptive and inferential statistics (multivariate multiple regression analysis and multivariate linear regression).

The participants’ mean depression and academic satisfaction scores were 71.92 ± 22.94 and 53.70 ± 9.69, respectively. In addition, the depression score was significantly and inversely correlated with students' academic satisfaction (r = −0.122, p-value = 0.031). Moreover, there was a significant correlation between students’ depression with marital status, level of the semester, interest in the field of study and study topic.

This study emphasizes improving education, spiritual and social support and strengthens strategies to deal with depression and medical science students’ related factors.

Students of medical sciences are exposed to depression during their college years, which is related to their academic satisfaction.

Communication apprehension (CA) is the fear or anxiety about communicating. In addition, self-perceived communication competence (SPCC) refers to the learners' perception of their competence. CA hampers individuals' ability to communicate effectively in various communication contexts, which has an impact on their employability. Confident communicators with effective communication skills are important issues for graduation as well as desirable attributes for recruiting agencies. Given that employers value graduates who can communicate effectively in the workplace without any apprehension, this study was designed to determine the levels of CA and SPCC among final-year non-English major undergraduate students in Saudi Arabia and the extent to which SPCC could affect their CA when speaking in English with implications for their employability as the next generation of workers.

Two survey questionnaires were administered to 70 non-English major undergraduate students in their final year employing probability random sampling to measure their CA level and to assess their SPCC in different English as foreign language (EFL) contexts. Pearson's correlation and linear regression analysis were used to investigate the relationship between CA and SPCC. Data analysis was performed using descriptive statistics in SPSS 21.

The findings indicated a medium level of SPCC and CA. Moreover, the correlation formula revealed that there was a moderately significant association between learners' SPCC and their CA (r (70) = −0.524, p < 0.01). Through regression analysis, it was found that their SPCC could predict 27% of the variance in their CA. The moderate effect of SPCC on CA implied that students could be prepared to cope and perform in the workplace.

Without communication, the establishment and evolution of the human community are unattainable. This aspect is more evident and crucial in the list of graduate objectives and needed outcomes for future career endeavors. The findings encourage instructors and course designers to provide many learning opportunities in pleasurable learning environments to raise students' perceptions of their competence, in turn enhancing their confidence to speak in English and ensuring a smooth transition from academia to the workplace. Based on the findings, several suggestions for future studies in the EFL context are presented.