Ethical Statement

1. Originality: We affirm that our work is original and has not been published elsewhere in any form.
2. Authorship: We acknowledge that all listed authors have significantly contributed to the research and have approved the final version of the manuscript.
3. Plagiarism: We affirm that our work is free from plagiarism, and all sources have been appropriately cited.
4. Conflict of Interest: We disclose any potential conflicts of interest that could influence the research findings or its interpretation.
5. Data Integrity: We affirm that the research data presented in our work is accurate, and we are prepared to provide access to data sources for verification if required.
6. Compliance: We confirm that our research complies with all relevant laws, regulations, and ethical guidelines.
7. Reviewer Recommendations: We respect the feedback provided by reviewers and are open to revising our work based on constructive criticism.
8. Responsible Conduct: We pledge to conduct our research with integrity, honesty, and respect for the contributions of others.

   As authors submitting our work to the Journal of Education and Finance Review (JEFR), we hereby solemnly declare our commitment to upholding the highest ethical standards in research and publication.

By submitting our work to JEFR, we acknowledge and accept these ethical principles and commit to upholding them throughout the publication process.

Signed,

[Author 1] ______________

[Co-authors if any] ____________________