Curriculum Vitae

DR. AHMAD MUHAIMIN BIN MAT JUSOH

Senior Lecturer
  • Department of Educational Management, Planning and Policy
    Faculty of Education
  • ahmadmuhaimin
  • 0379675008
  • 0178332091

BIOGRAPHY

As an academician and researcher at the University of Malaya in Kuala Lumpur, Malaysia, I bring a strong passion and expertise to the fields of Digital Financial Literacy and Behavioral Finance. My research delves into the intersection of financial knowledge and behavior, especially in the context of digital finance, where I aim to empower individuals and communities with the tools and insights necessary to make informed financial decisions.

With a robust foundation in quantitative analysis, I specialize in advanced statistical methods and data interpretation, ensuring that my research provides actionable insights backed by rigorous methodology. My commitment to financial literacy is not only academic but also driven by a broader mission to enhance financial capability among youth, young adults, and underserved communities, aligning with Sustainable Development Goals (SDGs) related to financial inclusion and economic growth.

Core Competencies:
- Quantitative Data Analysis & Research Methodology
- Behavioral Finance & Financial Literacy (Digital)
- Financial Inclusion & Economic Empowerment
- Academic Lecturing & Mentorship

I welcome connections with fellow researchers, industry professionals, and organizations interested in collaboration, consultancy, and impactful research projects. Let's connect to advance financial literacy and foster economic empowerment together.

AREAS OF EXPERTISE

  • DIGITAL FINANCE
    Applied Social Science And Humanities, Banking, Finance And Wealth Management, Banking And Finance

ACADEMIC QUALIFICATION

  • PhD, (Pengurusan Pendidikan)
    Universiti Malaya (UM)
  • M.Edu, (Pengurusan Pendidikan)
    Universiti Malaya (UM)
  • B.Edu, (Pendidikan Matematik)
    Kementerian Pendidikan Malaysia

ADMINISTRATIVE DUTIES

  • Committee Members
    31 Mar 2026 - 31 Mar 2028 (Faculty)
  • Chairperson for Centre for Research in Education Leadership, Administration, Management and Policy (CRELAMP)
    27 Jan 2025 - 31 Dec 2026 (Department of Educational Management, Planning and Policy, Faculty of Education)
  • Committee Members
    28 Aug 2024 - 27 Oct 2026 (Department of Educational Management, Planning and Policy, Faculty of Education)
  • Task Force Member for Deputy Dean (Students Affairs)
    01 Oct 2024 - 01 Oct 2026 (Department of Educational Management, Planning and Policy, Faculty of Education)
  • Committee Members
    01 Oct 2024 - 01 Oct 2026 (Department of Educational Management, Planning and Policy, Faculty of Education)
  • Committee Members
    14 Sep 2026 - 17 Sep 2026 (International)
  • Task Force Member
    06 Nov 2024 - 20 Aug 2025 (Department of Educational Management, Planning and Policy, Faculty of Education)
  • Committee Members for International Educational Conference: Innovations and Diversity iin Globalised Education
    25 Oct 2024 - 27 Oct 2024 (International)
  • Coordinator
    25 Oct 2024 - 27 Oct 2024 (International)
  • Committee Member for The International Conference on Humanities Education 2024 (ICHE)
    25 Sep 2024 - 26 Sep 2024 (International)
  • Ahli taskforce  Full TIme-Equivalent (FTE) Beban Penyelidikan
    03 Sep 2024 - 03 Sep 2024 (University Malaya)

MEMBERSHIPS

  • BOARD MEMBER FOR JURNAL KEPIMPINAN PENDIDIKAN, BOARD MEMBER
    2024 to 2026 (International)
  • EDITOR JURNAL KEPIMPINAN PENDIDIKAN (JUPIDI), EDITORIAL BOARD
    2024 to 2026 (National)
  • JURNAL PENDIDIKAN TEKNOLOGI INFORMASI DAN KOMUNIKASI, EDITORIAL BOARD
    2024 to 2026 (International)

AWARD AND STEWARDSHIP

  • Best Poster Award
    2025, Goethe Universitat,  (International)
  • Itex 2025 Gold Medal
    2025, ITEX,  (International)

PUBLICATIONS

Article in Journal
Scopus
  1. Jusoh A.M.M., Ab. Ghani M.F., Omar I.M., Zynuddin S.N., Yusoff S.M. (2026). MANAGING STUDENT FINANCIAL WELL-BEING IN HIGHER EDUCATION: THE ROLE OF FINANCIAL BEHAVIOUR AND INSTITUTIONAL SUPPORT, Malaysian Online Journal of Educational Management. 14(1), 72-95
  2. Yusoff S.M., Marzaini A.F.M., Jusoh A.M.M., Zynuddin S.N., Basal M.H., Zakaria N. (2025). Investigating the Interrelationship between Teachers Grading Practices and Classroom-Based Assessment Strategies among Malaysian Preservice Teachers, Asian Journal of University Education. 21(1), 177-199. doi:10.24191/ajue.v21i1.5622
  3. Jusoh A.M.M. (2024). MEDIATING EFFECT OF FINANCIAL LITERACY ON THE INFLUENCE OF PARENTAL FINANCIAL SOCIALISATION ON SUBJECTIVE FINANCIAL WELL-BEING OF COMMUNITY COLLEGE STUDENTS, Malaysian Online Journal of Educational Management. 12(2), 28-49
Other Publications
  1. Bajuri, M. R., & Mat Jusoh, A. M (2025, July 1). Kit MR 2D Geo ciptaan UM menang emas di ITEX 2025. Berita RTM. https://berita.rtm.gov.my/nasional/senarai-berita-nasional/senarai-artikel/kit-mr-2d-geo-ciptaan-um-menang-emas-di-itex-2025 - Mass Media(newspaper,radio,tv,popular Magazine)
  2. Bajuri, M. R., & Mat Jusoh, A. M. (2025, July 1). UM bina kit bantu murid belajar matematik. Malay Tribune. https://themalaytribune.com/um-bina-kit-bantu-murid-belajar-matematik/ - Mass Media(newspaper,radio,tv,popular Magazine)
  3. Murad, D. (2025, November 23). A push for better pay and smarter savings. The Star, Focus, p. 16. - Mass Media(newspaper,radio,tv,popular Magazine)
  4. Jusoh, A. M. M. (2024). The Influence of Parental Financial Socialisation and Financial Literacy on Subjective Financial Well-Being of Community College Students in Johor. In F. Ayub@Ismail & R. Ismail (Eds.), Ringkasan Kajian Kes Tesis/Disertasi Pendidikan Peringkat Kedoktoran (Vol. 5). Kementerian Pendidikan Malaysia. - Case Study
  5. Jusoh, A. M. M. (2024, November 1). Digital Financial Literacy is For Everyone. Bebas News. https://bebasnews.my/2024/11/01/digital-financial-literacy-is-for-everyone/ - Mass Media(newspaper,radio,tv,popular Magazine)
  6. Jusoh, A. M. M. (2024, November 10). The Real Price of BNPL. Asia News Today. https://asianewstoday.com/the-real-price-of-bnpl/ - Mass Media(newspaper,radio,tv,popular Magazine)
  7. Jusoh, A. M. M. (2024, November 15). Don’t Fall for It: The Real Price of Buy Now Pay Later. Apa Khabar TV. https://apakhabartv.com/2024/11/15/dont-fall-for-it/ - Mass Media(newspaper,radio,tv,popular Magazine)
  8. Jusoh, A. M. M. (2024, November 16). 1. The Real Cost of Buy Now, Pay Later. The Star - Your Opinion. https://www.thestar.com.my/opinion/letters/2024/11/16/the-real-cost-of-buy-now-pay-later - Mass Media(newspaper,radio,tv,popular Magazine)
  9. Jusoh, A. M. M. (2024, November 2). Embrace it - Digital financial literacy is important for everyone. ApaKhabarTV. https://apakhabartv.com/2024/11/02/embrace-it/1/8 - Mass Media(newspaper,radio,tv,popular Magazine)
  10. Jusoh, A. M. M. (2024, November 7). Beware of Its Allure. UM Research Plus (UM+). https://www.umresearchplus.com/beware-of-its-allure/ - Mass Media(newspaper,radio,tv,popular Magazine)
  11. Jusoh, A. M. M. (2024, November 7). The Real Price Of Buy Now, Pay Later. BusinessToday. https://www.businesstoday.com.my/2024/11/07/the-real-price-of-bnpl/ - Mass Media(newspaper,radio,tv,popular Magazine)
  12. Jusoh, A. M. M. (2024, October 25). Digital Financial Literacy Is For Everyone. Business Today, 1–4. https://www.businesstoday.com.my/2024/10/25/digital-financial-literacy-is-for-everyone/ - Mass Media(newspaper,radio,tv,popular Magazine)
  13. Jusoh, A. M. M. (2024, October 25). Essential Knowledge, This. UM Research Plus (Um+), 1–4. https://www.umresearchplus.com/essential-knowledge-this/ - Mass Media(newspaper,radio,tv,popular Magazine)
  14. Jusoh, A. M. M. (2024a, November 7). The Real Price of BNPL. Akses Malaysia. https://www.aksesmalaysia.my/the-real-price-of-bnpl/ - Mass Media(newspaper,radio,tv,popular Magazine)

RESEARCH PROJECT

National
  1. 2025 - 2026, Government Agency - Manage by UMCARES
    Projek Pemasaran Digital: Wira Usahawan ( Co-Researcher)
University
  1. 2025 - 2027, Bantuan Khas Penyelidikan (BKP Special)
    AI Literacy as a Catalyst for Digital Financial Inclusion: Advancing Youth Financial Well-Being in Klang Valley ( Principal Investigator(PI))
  2. 2024 - 2026, Bantuan Khas Penyelidikan (BKP Special)
    Pioneering Cashless Schools In Malaysia: The Role Of Multidimensional Perceived Benefits And Risks In Parental Intention To Adopt Child Finance Apps ( Co-Researcher)
  3. 2024 - 2025, University Grant
    The Role of Social Media in Enhancing Financial Literacy and FinTech Adoption Among Malaysian Youth: A UTAUT and DOI Perspective ( Principal Investigator(PI))

CONSULTANCY PROJECT

  • Kaji Selidik Pengesahsahihan Data Kajian National Education Reform (ner), Akademi Sains Malaysia
    25 Jun 2025 - 25 Sep 2025 (National)

PAPER PRESENTED

INVITED SPEAKER
  1. Surviving Your Postgraduate Life: Tips and Tricks, STUDENT MOBILITY PROGRAMME GRADUATE SCHOOL, UNIVERSITAS LANCANG KUNING, INDONESIA, Fakulti Pendidikan, Malaysia dan UNIVERSITAS LANCANG KUNING, INDONESIA (International) (21 May 2025 - 21 May 2025)
  2. Digital Financial Literacy in ASEAN: Insights and Future Directions, NUS Asian Studies Seminars and Events, National University of Singapore (International) (26 Feb 2025 - 26 Feb 2025)
  3. Impact of Standard Operating Procedure (SOP) as Health Crisis Management Strategy Towards Preschoolers' Learning Development, International Symposium on Strategy and Transformation Management for Tertiary Education 2024, Universiti Teknologi Mara (National) (14 Oct 2024 - 16 Oct 2024)
  4. Quantitative Analysis on SmartPLS, Student Competence Development Workshop, Centre for Research in Education Leadership, Administration, Management and Policy (National) (24 Jul 2024 - 24 Jul 2024)
  5. Quantitative Analysis: SmartPLS-SEM, Student Competence Development Workshop, Centre for Research in Educational Leadership (University) (24 Jul 2024 - 24 Jul 2024)
  6. Progress is The Key, Program Perkongsian Ilmu Bersama Universitas Islam Negeri Walisongo, Fakulti Pendidikan (National) (10 Jun 2024 - 10 Jun 2024)

ACADEMIC/ PROF. SERVICES

Evaluation
  1. (2026) Chairperson for Proposal Defence (PhD), University, (Internal Examiner)
  2. (2026) Chairperson for Proposal Defence (PhD), University, (Internal Examiner)
  3. (2026) Internal Examiner for PhD Candidature Defence, University, (Internal Examiner)
  4. (2026) Internal Examiner for PhD Proposal Defence, University, (Internal Examiner)
  5. (2026) Internal Examiner for PhD Proposal Defence, University, (Internal Examiner)
  6. (2026) Internal Examiner for PhD Proposal Defence, University, (Internal Examiner)
  7. (2026) Completed Peer Review Evaluation of Manuscript Entitled “impulse Travel Drive Financial Well-being Young Adults: Exploring The Impact of Financial Attitude and Financial Behaviour Through a Mixed-method Approach” for Young Consumers (international Journal, Ssci), International, (Reviewer)
  8. (2025) Academic Judge At The International Transdisciplinary Research Conference (intrac) 2025, University, (Reviewer)
  9. (2025) Reviewer for Article Impulse Travel Drive Financial Well-being Young Adults: Exploring The Impact of Financial Attitude and Financial Behaviour Through a Mixed-method Approach, International, (Reviewer)
  10. (2025) Chairperson for Candidature Defence (PhD), University, (Internal Examiner)
  11. (2025) Reviewing Article: Key Strategies to Engage Malaysian Industries in Apprenticeship Programme: Leveraging Dmaic Approach, International, (Reviewer)
  12. (2025) Examiner for PhD: Effects of Professional Learning Communities On The Competitiveness of Universities in China, University, (Internal Examiner)
  13. (2025) Examiner for PhD: Effects of Professional Learning Communities On The Competitiveness of Universities in China, University, (Internal Examiner)
  14. (2025) Reviewer for Article : Can Agricultural Extensification and Renewable Energy Consumption Foster Poverty Reduction? Fresh Evidence from Indonesia, International, (Reviewer)
  15. (2025) Internal Examiner for Thesis "finance in Non-profit Schools in Malaysia", University, (Internal Examiner)
  16. (2025) Reviewing Article Tittle "enhancing Islamic Finance Literacy: Exploring The Perspectives On E-learning to Improve The Malaysian Takaful Industry", International, (Reviewer)
  17. (2025) Reviewer for Article "adolescent Financial Literacy: Viewing Peers as Good Financial Role Models", International, (Reviewer)
  18. (2024) Reviewing On Teachers Perceptions of Middle Leader Competencies and Their Impact On Technology Acceptance in Education 4.0 At Ts25 Schools, Kuala Lumpur, International, (Reviewer)
  19. (2024) Reviewer for Article : Efforts to Improve Learning Outcomes Through Smart Board Media in Pancasila Education Subjects for Second Grade Students of Sd Negeri 37 Bengkulu City, International, (Reviewer)
  20. (2024) Reviewing Article: The Influence of Teachers Transformational Leadership On Student Engagement, International, (Reviewer)
  21. (2024) External Examiner for Universiti Tunku Abdul Rahman, National, (External Examiner)
  22. (2024) Reviewer for Manuscript Id Yc-07-2024-2142 Entitled "stimulation Values and Life Satisfaction Among Young People: The Role of Impulsive Buying and Financial Problems", International, (Reviewer)
  23. (2024) Internal Examiner for PhD Candidate from Institute for Advanced Studies, University, (Internal Examiner)
Contribution to external organisation
  1. (2026) To Provide Expert Input and Professional Feedback in Developing The Framework and Assessment Standards for Financial Proficiency and Literacy (ppl) Domain Kewangan 2026., National, (Resource Person)
  2. (2026) Panel Temu Duga Program Hadiah Latihan Persekutuan (hlp/hlps) Kpm Ambilan 2026, National, (Resource Person)
  3. (2025) Judge for Association of Malaysian Economics Undergraduates (ameu), National, (Resource Person)
  4. (2024) Jury for Innovation Showcase - Seminar Dekan 2024, National, (Resource Person)
  5. (2024) Jury for Innovation Showcase - Seminar Dekan 2024, National, (Resource Person)
Contribution to event
  1. (2025) Facilitator for Financial Literacy Workshop, National, (Course Facilitator)
  2. (2024) Pelantikan Sebagai Juri Pertandingan Pertunjukan Inovasi 2024, National, (Panelist/Moderator)
  3. (2024) Fasilitator for Universitas Negeri Malang, Indonesia, Academic Visitation, University, (Course Facilitator)
  4. (2024) Iche 2024, University, (Event Coordinator)
  5. (2024) Facilitator for Smartpls Workshop, University, (Course Facilitator)

SUPERVISION

Postgraduate Student
  1. (2025) EXPLORING THE EDUCATION EQUITY OF ACADEMIC AND VOCATIONAL EDUCATION STREAMING POLICY: CASES FROM JIANGSU PROVINCE IN CHINA, HE JINTAO
  2. (2025) • A QUANTITATIVE AND QUALITATIVE STUDY INTO THE USE OF THE INSTRUCTIONAL LEADERSHIP MODEL IN MALAYSIAN PRIVATE AND INTERNATIONAL SCHOOLS., CHELI TAMILSELVAM A/L NADARAJAH
  3. (2025) MODEL KEPIMPINAN AI DAN LITERASI AI GURU UNTUK KESEJAHTERAAN PENDIDIKAN MURID SOSIOEKONOMI RENDAH DALAM ERA PENDIDIKAN DIGITAL DI SEKOLAH RENDAH, NIK SASLIZA BINTI NIK SABERI
  4. (2025) EDUCATIONAL MANAGEMENT / ENTREPRENEURSHIP, HANAN I. H. YOUSEF
  5. (2025) THE IMPACT OF AI-DRIVEN TECHNOLOGIES ON DIGITAL LEADERSHIP EFFECTIVENESS: THE MEDIATING ROLE OF TECHNOLOGICAL SELF-EFFICACY IN SCHOOL MANAGEMENT, XIE LISI
  6. (2025) THE INFLUENCE OF EDUCATION FINANCING AND LEADERSHIP PRACTICES ON INSTITUTIONAL EFFECTIVENESS AMONG UNIVERSITIES AND COLLEGES IN GUIZHOU PROVINCE, CHINA, WANG LI
  7. (2025) THE IMPACT OF LANGUAGE EDUCATION POLICY ON RESTRUCTURING THE NATIONAL RECOGNITION- CASE OF HONG KONG SAR, LI YUEDONG
  8. (2025) The Mediating Role of Financial Stress in the Relationship between Financial Literacy and Job Performance among Public School Teachers in the Klang Valley, Malaysia, PAVITTRAN A/L PARAMASIVAM
  9. (2025) Mediating Role of Professional Learning Communities between Distributed Leadership and Organizational Effectiveness among Primary Schools Teachers in Shaanxi, China, WANG CHANGYU
  10. (2025) Psychological Safety as A Mediator between Teacher Collaborative Leadership and Student Teamwork Ability among Chinese Orchestra Schools Students in Fuzhou, China, YI ZHISONG
  11. (2025) Work-Related Flow as A Mediator between Principals' Authentic Leadership and Work Well-Being among Secondary School Music Teachers in Fujian, China, ZHANG ZIHAN
  12. (2025) Job Burnout as A Mediator in the Relationship between Work Stress and Job Performance among Secondary School Teachers in Jiangsu Province, China, MENG QINYI
  13. (2025) Adaptive Leadership and School Crisis Response at High Schools in Zhejiang Province, China, MA WENJIE
  14. (2025) Helicopter Parenting and Academic Achievement at Secondary Schools In Shenyang City, China, WANG GUANHUAYANG
  15. (2025) LINKING AI LITERACY TO YOUTH FINANCIAL WELL-BEING: THE MEDIATING ROLE OF DIGITAL FINANCIAL LITERACY, ANIS NADZIRAH BINTI ABD HALIM
  16. (2024) Exploring Teacher Multicultural Competence of Junior High School Teacher in Baotou, Inner Mongolia Autonomous Region, China, LIU ZILIN
  17. (2024) Distributed Leadership and Teacher Well-Being among Secondary School Teachers in Hulu Langat District, Selangor, Malaysia, LI JUAN
  18. (2024) Students Digital Technology Attitude and Student Engagement in Online Learning Environments among University Students in Chongqing, China, BAIYUHAN
  19. (2024) Project-Based Interdisciplinary Pedagogy and Science Scores Among Senior High School in Handan, China, HAO YUXIN
  20. (2024) Digital Transformation Capability and Samart Campus Development among Primary School Education Managers in Shaanxi Province, China, ZHU YUHAN
  21. (2024) Ai-Supported Constructive Learning and Students’ Computational Thinking Development in Primary Schools, Kuala Lumpur, Malaysia, DING BAICHEN
  22. (2024) Educational Management and Student Satisfaction in Higher Education in Yichun City, Jiangxi Province, China, ZHU JIAYU
  23. (2024) Servant Leadership and Job Satisfaction of University Educators in Nanchang, Jiangxi Province, China, TANG YUXUAN
  24. (2024) Distributed Leadership and Teacher Wellbeing at High Schools in Zheng Zhou City, China, HE ZEQI
  25. (2024) Authentic Leadership and Teachers’ Retention among Middle School in Bengbu, Anhui Province, China, WANG QINGQING
  26. (2024) Principals' Transformational Leadership Styles and Teachers' Job Satisfaction at Primary Schools in Shandong Province, China, DONG HONGYING
  27. (2024) Instructional Leadership on Teacher Professional Learning at Primary Schools in Klang Valley, MAGGI LEE MEI KEE
  28. (2024) Service Quality and Parents Satisfaction at Chongqing Art Training Institutions in China, JIANG QI
  29. (2024) Distributed Leadership and Lecturer's Self-Efficacy at Universities in Shandong Province, China, WANG XIAOJING
  30. (2024) Transformational Leadership of Physical Education Teachers and Athletes Satisfaction in Universiti Malaya, Malaysia, ZHANG XIBAO
  31. (2024) Ethical Leadership and Job Satisfaction among Secondary School Teachers in Hulu Langat District, Selangor, TANG YIN YUN
  32. (2024) Transformational Leadership of Leaders and Teachers Professional Development Among Early Childhood Education in Guizhou China, YANG ZHOUKEYUE
  33. (2024) Online Classroom Management and Student Satisfaction in Learning at University in Kuala Lumpur, NISHALANI NAIDU A/P SURENTHRA

TEACHING

Master
  1. (2024) PQN7001 - Educational Management and Administration
  2. (2024) POX7003 - Quantitative and Qualitative Data Analysis
  3. (2024) PQN7013 - Seminar On Professional Practices in Educational Leadership and Management
  4. (2024) PQB7006 - Seminar On Professional Practices On Educational Management
  5. (2023) PQB7002 - Management of Educational Organisations
  6. (2023) PQN7013 - Seminar On Professional Practices in Educational Leadership and Management
  7. (2023) PQB7006 - Seminar On Professional Practices On Educational Management

PATENT/ IPR

  • The Impact of Instructional Leadership on Teachers' Job Satisfaction: An Examination of Motivational and Hygiene Factors in Secondary Schools of Penampang District, Sabah
    COPYRIGHT
  • The Nexus of Parental Financial Socialisation and Financial Literacy: Pathways to Subjective Financial Well-Being
    COPYRIGHT

SOCIAL RESPONSIBILITY ACTIVITIES

  • Appointed Chairperson for Thesis Seminar Session, February 2026. Responsible for Moderation, Procedural Governance, and Academic Oversight of Candidate Presentation and Panel Discussion., (09 Feb 2026 - 09 Feb 2026) (University)
  • Expert Review and Content Validity Evaluation of Questionnaire and Interview Framework, (09 Apr 2025 - 10 Apr 2025) (University)
  • Reassessing Students Assessment for Subject Pqn7009 - Financial Planning and Economics in Education, (17 Mar 2025 - 20 Mar 2025) (University)
  • Committee Members for International Education Conference: Innovation & Diversity in Globalise Education 2024, (25 Oct 2024 - 27 Oct 2024) (University)
  • Fasilitator Lawatan Akademik Universitas Negeri Malang, Indonesia, (10 Oct 2024 - 10 Oct 2024) (University)
  • Facilitator for Research, (03 Oct 2024 - 03 Oct 2024) (University)
  • Facilitator for Research Insights & Opportunities, (03 Oct 2024 - 03 Oct 2024) (University)
  • Committee Members for The International Conference On Humanities Education (iche) 2024, (25 Sep 2024 - 26 Sep 2024) (International)
  • Fasilitator Program Perkongsian Ilmu Bersama Universitas Islam Negeri Walisongo Semarang, Indonesia, (10 Jun 2024 - 10 Jun 2024) (University)

COURSE ATTENDED

Internal/ External Course
  1. KURSUS HRD CORP TRAIN THE TRAINER CERTIFICATION PROGRAM, UNIVERSITI MALAYA (05 May 2025 - 09 May 2025)
  2. ADVANCING SCHOLARS IN CAREER DEVELOPMENT AND EDUCATION (ASCEND), UNIVERSITI MALAYA (12 Aug 2024 - 23 Aug 2024)
  3. PROGRAM TRANSFORMASI MINDA, BILIK SENAT, ARAS 4, BANGUNAN CANSELERI (29 Jul 2024 - 31 Jul 2024)