The incorporation of E-learning in both private and public tertiary education can help expedite the learning process. The utilization of fast-paced technology with E-learning also allows for a more flexible and convenient learning process. E-learning platforms can be accessed anywhere as long as there is an internet connection, including at home, the workplace, restaurants or while travelling. This allows for the benefit of distance learning. As such, the current study aims to examine the factor effectiveness of E-learning based on three variables, namely technology, instructors’ characteristics and students’ characteristics and their impact on distance learning. The education system has greatly evolved from the use of apparatus such as chalk and blackboards to the modern use of projectors to conduct lessons. In the current age, E-learning will have an effect on both instructors and teaching technology, aside from the students themselves. As an example, students are expected to know how to utilize these systems in their lessons, instructors must receive training in E-learning systems management and in terms of technology, the E-learning systems must be updated and operated using the most recent upgrades. E-learning is also cost-efficient, less time consuming and reduces the burden on both students and educators.

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Abstract-This study investigates the factors affecting borrowing intention among fresh graduates of Malaysia based on the Theory of Planned Behavior (TPB). About 153 questionnaires were accepted and analyzed using structural equation modeling (SEM) in determining the relationships. The results show that borrowing intention amongst fresh graduates is influenced by self-identity and perceived behavior control. The young graduates believe that they have complete control of their behavior in borrowing as they perceived to be equipped with the knowledge about the personal financing. In addition, because of their experience in students' loans since undergraduates' level, the result explains why self-identity was found to be a significant predictor. The findings offer implications for researchers and government. Index Terms-Borrowing, self-identity, theory planned behavior.

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Drug and substance abuse create a social disorder that would destruct the society. This study examines factors leading to drug abuse among youth in a rehab center located in Kuala Lumpur. Out of 61 respondents surveyed, 71% was Malay, 13% was Chinese, and 10% was Indian and majority of them 80% were male. The study found that there were no significant differences in the mean of social environment, income, law enforcement and peer influence scores among the three ethnic groups. The multiple regression analysis revealed that peer influence was a significant factor leading to drug abuse among the youth.