This study investigates the underlying reasons behind the limited offering of micro-takaful(insurance) products by takaful operators in Pakistan and suggests solutions to enhance thegrowth of micro-takaful products in the country. The study is qualitative in nature. The researchers conducted atotal of twenty (20) semi-structured interviews of relevant Islamic finance practitioners (5 sales heads, 5 businessheads, 5 product development heads, and 5 sales agents) working at all five takaful operators (Dawood FamilyTakaful Ltd., Pak-Qatar General Takaful, Pak-Qatar Family Takaful, Pak Kuwait Takaful, Takaful Pakistan Limited)operating in Pakistan. NVIVO 12 software was used for generating items, codes, word clouds and text searchqueries. According to the findings of this study, the issues faced by practitioners include the poor financialcondition of the public, lack of sufficient funds with takaful operators, lack of cooperation among takaful operators,lack of customer awareness and interest, lack of takaful experts and diversified takaful products, absence of aculture of takaful practices, and lack of research and product development in the field of micro-takaful.Academicians should develop suitable micro-takaful products according to the needs of the public, and theregulator can require takaful operators to offer micro-takaful products.

The tourism industry in Pakistan has grown, leading to increased energy consumption and environmental degradation. To address this, green energy solutions are being explored. A study examined the potential, barriers, and benefits of such solutions in the local tourist sector. Survey results showed moderate concern for environmental impact, with some support for green energy. However, respondents were hesitant to pay extra for these services. Correlation analysis indicated relationships between variables, but causation requires further study. Thematic analysis revealed awareness and support for sustainable tourism, but more action is needed. The study recommends prioritizing green energy adoption by businesses and government institutions to mitigate environmental impact and maximize tourism's economic and social benefits.

Australia faces a significant housing affordability crisis, marked by rising house prices and rents. This paper reviews the current state of housing affordability, evaluates existing policy responses, and explores potential solutions to the crisis. Using data from the National Housing Supply and Affordability Council, it highlights the imbalance between housing demand and supply, driven by factors like increased migration, economic instability, and low investment in social housing. The study includes comparative insights from other countries, such as Pakistan, to understand different policy approaches. It suggests targeted reforms to boost housing supply, improve affordability, and address underlying socio-economic issues. Drawing on case studies and expert opinions, the paper emphasizes the need for comprehensive policy interventions to mitigate the impact of the affordability crisis on Australian households' quality of life.