This study examines the influence of internal and external locus of control as mediators of financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. This study uses a quantitative approach with a survey method to collect sample data from students throughout Timor-Leste. Structural equation modeling (SEM) analyzes the relationship between financial literacy, financial attitudes, financial beliefs, internal and external locus of control, and financial behavior. The study’s results highlight the mediating role of internal and external locus of control in the relationship between financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. These findings can provide insight into the complex relationship between these factors in financial decision-making. Practical implications for educational institutions and policymakers in Timor-Leste, namely emphasizing the importance of considering internal and external locus control in financial literacy programs to improve students’ financial behavior. This study aims to fill the knowledge gap about student financial literacy by expanding the understanding of the relationship between these factors.

Intellectual capital is one of the most crucial determinants of long-term economic development. The countries compete for highly skilled labor and talented youth. State regulatory interventions aim to, on the one hand, facilitate the retention of foreign high-productivity intellectual capital in the host country, transforming ‘educational’ and ‘scientific’ migrants into residents, and on the other hand, prevent the outflow of their own qualified workforce. The paper aims to outline the role of the nation’s higher education system in the influx and outflow of labor resources. A two-stage approach is applied: 1) maximum likelihood—to cluster the EU countries and the potential candidates to become members of EU countries based on the integrated competitiveness of their higher education systems, considering quantitative, qualitative, and internationalization aspects; 2) logit and probit models—to estimate the likelihood of net migration flow surpassing baseline cluster levels and the probability of migration intensity changes for each cluster. Empirical findings allow the identification of four country clusters. Forecasts indicate the highest likelihood of increased net migration flow in the second cluster (66.7%) and a significant likelihood in the third cluster (23.4%). However, the likelihood of such an increase is statistically insignificant for countries in the first and fourth clusters. The conclusions emphasize the need for regulatory interventions that enhance higher education quality, ensure equal access for migrants, foster population literacy, and facilitate lifelong learning. Such measures are imperative to safeguard the nation’s intellectual potential and deter labor emigration.

Women’s financial literacy and financial inclusion have gained prominence in recent years. Despite progress, knowledge and access to finance remain common barriers for women, especially in emerging economies. Globally, domestic and economic violence has been recognized as a relevant social concern from a gender perspective. In this context, financial literacy and financial inclusion are considered to play a key role in reducing violence against women by empowering them with the necessary knowledge to manage their financial resources and make informed decisions. This study aims to evaluate the determinants that influence Peruvian female university students’ financial literacy and financial inclusion. To this end, a theoretical behavioral model is proposed, and a survey is applied to 427 female university students. The results are analyzed using a Partial Least Squares Structural Equation Model (PLS-SEM). The results validate all the proposed hypotheses and highlight significant relationships between financial literacy and women’s financial inclusion. A relevant relationship between financial attitude and financial behavior is also observed, as well as the influence of financial behavior and financial self-efficacy on financial literacy. The results also reveal that women feel capable of making important financial decisions for themselves and consider that financial literacy could help reduce gender-based violence. Based on these findings, theoretical and practical implications are raised. It highlights the proposal of a theoretical model based on antecedents, statistically validated in a sample of women in Peru, which lays the foundation for understanding financial literacy and financial inclusion in the Latin American region.

This study investigates the impact of various educational and social factors on the digital skills of vocational education and training (VET) students, emphasizing the significance of continuous skill development in the digital age. Utilizing structural equation modeling (SEM), the paper analyzes data from 382 adult VET students in Greece, examining the effects of Erasmus program participation, daily computer use, educational platforms, and social network engagement on digital competencies. The findings reveal that participation in Erasmus programs and the use of educational platforms significantly enhance students’ digital skills, highlighting the value of international experiences and digital learning tools in VET. Conversely, daily computer use alone does not significantly impact digital skills, suggesting that structured and purposeful digital tool integration is essential for skill development. The study also underscores the positive role of social networks in improving content management skills, advocating for their strategic use in educational settings. These results demonstrate the need for targeted digital literacy initiatives within VET programs to prepare students for modern labor market demands. The research contributes to the theoretical understanding of digital skill acquisition and offers practical insights for educators and policymakers to enhance VET curricula, fostering economic and social progress through improved digital literacy.

Data literacy is an important skill for students in studying physics. With data literacy, students have the ability to collect, analyze and interpret data as well as construct data-based scientific explanations and reasoning. However, students’ ability to data literacy is still not satisfactory. On the other hand, various learning strategies still provide opportunities to design learning models that are more directed at data literacy skills. For this reason, in this research a physics learning model was developed that is oriented towards physics objects represented in various modes and is called the Object-Oriented Physics Learning (OOPL) Model. The learning model was developed through several stages and based on the results of the validity analysis; it shows that the OOPL model is included in the valid category. The OOPL model fulfils the elements of content validity and construct validity. The validity of the OOPL model and its implications are discussed in detail in the discussion.

Low levels of financial literacy cause people to have lower savings rates, higher transaction costs, larger debts and the loans acquisition with higher interest rates, therefore it becomes relevant to analyze the determinants of financial literacy. The aim of this research is to identify whether there is an association between the financial literacy level and sociodemographic characteristics. The Mexican Petroleum Company (Pemex) employees is the population analyzed. Pemex is the state-owned oil and natural gas producer, transporter, refiner and marketer in Mexico. A non-probabilistic convenience sampling was performed and 404 responses were obtained. The analysis of data was carried out with the Bayesian method. The results show that there is an association between Pemex employees’ level of financial literacy and their level of education, income, age and type of retirement saving. No association was found between their level of financial literacy and gender, marital status and whether or not they have children.