“CIRCULAR ECONOMY ADOPTION IN HIGHER EDUCATION INSTITUTIONS: IMPLICATIONS FOR SUSTAINABLE FINANCIAL GROWTH AND INSTITUTIONAL RESILIENCE ” (2026) Phoenix: International Multidisciplinary Research Journal ( Peer reviewed High Impact Journal ), 4(1.1), pp. 137–145. Available at: https://pimrj.org/index.php/pimrj/article/view/268 (Accessed: 22 March 2026).