The financial inclusion program in Asia has begun to be carried out intensively, focusing on increasing public access, especially for people who have yet to enjoy banking services. This makes financial inclusion one of the development focuses in the financial sector in various countries, especially in the Asian region. This study compares the financial inclusion level and socioeconomic variables’ influence on financial inclusion in Asian countries in 2010–2022. To compare the level of financial inclusion in several Asian countries, the Index of Financial Inclusion (IFI) analysis method was used, while to examine the relationship between socioeconomic variables on financial inclusion, the Ordinary Least Square (OLS) method was used with an estimation technique, in the Fixed Effects Model approach. The results of this study indicate that, in general, financial inclusion in several Asian countries is mainly influenced by the usability dimension. In addition, only the variable GDP per capita is partially influential. While other variables, namely, the unemployment rate and population in rural areas, significantly influence the financial inclusion index.

The most crucial factor in producing papaya seedlings successfully is seed germination. The purpose of this study was to investigate the influence of seed priming with growing media on seed germination and seedling growth of papaya from October to December 2022. The experimental treatments included three seed priming treatments: T₀ = control (no seed priming treatments), T₁ = GA₃ (100 ppm), and T₂ = KNO₃ (1%), and four growing media, viz., M₁ = soil + vermicompost (1:1), M₂ = soil + cowdung (1:1), M₃ = soil + cocopeat + vermicompost (1:1:1), and M₄ = soil + cocopeat + cowdung (1:1:1). The treatments showed a significant effect on different parameters such as germination percentage, days to germination, survival percentage, chlorophyll content, seed vigor index, shoot, and root length. GA₃ treated seedlings performed better than non-GA₃-treated seedlings. Among the growing media, M₃ showed the best for seed germination and other growth attributes compared to other growing media. In terms of interaction effects, T₁M₃ showed the highest performance for germination percentage (84.33%), survival percentage (91.0%), and chlorophyll content (44.26%). T₁M₃ also showed the highest seed vigor index, shoot and root growth, and plant biomass. As a result, the combination of GA₃ and growing media containing soil + cocopeat + vermicompost was shown to be the most favorable for papaya seed germination and seedling growth.

Beta macrocarpa, Guss is an interesting species showing very low germination rates. The leading objectives of this work were to investigate the dormancy mechanism and to find methods to break dormancy in order to achieve rapid, uniform and high germination. Macro and micro-morphologic analyses were performed by stereo microscopy and scanning electron microscopy showed two fruit coats. The yellow external coat or persistent perianth coat (PPC) was accrescent with 5 erect segments contiguous to the operculum of the seed capsule. This coat forms spongy layers (50 to 300 µm thick) that could be eliminated manually. The narrow internal coat or pericarp or achene coat (AC) forms woody joined seed capsules, each presenting a pressed operculum that cannot be manually opened. This coat was not adherent to seeds and was composed of compressed cells (50 to 200 µm thick) which form pockets for salt cristal. Seeds were lentiform (1 to 2 mm diameter and 0.5 to 0.8 mm thick) and highly fragile. The embryo was whitish surrounded peripherally by the perisperm with two highly developed cotyledons and radical. Polyphenol concentrations in both coats showed that after 4 months of collection, total polyphenol concentrations were 4-fold higher in the pericarp than in the persistent perianth. However, after one year, this parameter decreases significantly in the pericarp, whereas, it increases to a larger extent in the perianth. Different germination tests indicated that the pericarp provides a chemical and a physical resistance to seed germination during the first 4 months of the experiment after collection. The chemical dormancy was released to higher levels of total polyphenol compounds that inhibited seed germination and seedling growth. However, the physical dormancy was associated with the hardness of this intern coat which caused a mechanical resistance to radicle emergence. After one year of storage, total polyphenol pericarp concentration decreased notably, and chemical resistance disappeared, whereas the physical one persisted. Consequently, one year of storage pericarp removal is sufficient to break this exogenous dormancy.

The current study provides a comprehensive analysis of MHD hybrid nanofluids and stagnation point flow toward a porous stretched cylinder in the presence of thermal radiation. Here, alumina (Al₂O₃) and copper (Cu) are considered the hybrid nanoparticles, while water (H₂O) is the base fluid. To begin, the required similarity transformations are applied to transform the nonlinear coupled PDEs into nonlinear coupled ODEs. The obtained highly nonlinear sets of ODEs are then solved analytically by using the HAM procedure. The calculations of the thermal radiation term in the energy equation are done based on the Roseland approximation. The result of various embedded variables on temperature and velocity profiles is drawn and explained briefly. Aside from that, the numerical solution of well-known physical quantities, like skin friction and the Nusselt number, is computed by means of tables for the modification of the relevant parameter. The analysis shows that the magnetic field has opposite behavior on θ(η) and f'(η) profiles. It is seen that more magnetic factors M decline f'(η) and upsurge θ(η). Moreover, the behavior of skin friction and the Nusselt number are the same for the magnetic parameter M. Meanwhile, a higher Reynolds number R_e declines temperature profile and skin friction while upsurging the local Nusselt number. There are many applications of this study that are not limited to engineering and manufacturing, such as polymer industry, crystal growth, tumor therapy, plasma, fusing metal in electric heaters, nuclear reactors, asthma treatment, gastric medication, cooling of atomic systems, electrolytic biomedicine, helical coil heat exchangers, axial fan design, polymer industry, plane counter jets, and solar collectors.

Urbanization plays a crucial role in facilitating the integration of population growth, industrial development, economic expansion, and energy consumption. In this paper, we aim to examine the relationships between CO2 emissions and various factors including economic growth, urbanization, financial development, and energy consumption within Pakistan’s building sector. The study utilizes annual data spanning from 1990 to 2020. To analyze the cointegration relationship between these variables, we employ the quantile autoregressive distributed lag error correction model (QARDL-ECM). The findings of this research provide evidence supporting the presence of an asymmetric and nonlinear long-term relationship between the variables under investigation. Based on these results, we suggest the implementation of tariffs on nonrenewable energy sources and the formulation of policies that promote sustainable energy practices. By doing so, policymakers and architects can effectively contribute to minimising environmental damage. Overall, this study offers valuable insights that can assist policymakers and architects in making informed decisions to mitigate environmental harm while fostering sustainable development.

The challenge of rural electrification has become more challenging today than ever before. Grid-connected and off-grid microgrid systems are playing a very important role in this problem. Examining each component’s ideal size, facility system reactions, and other microgrid analyses, this paper proposes the design and implementation of an off-grid hybrid microgrid in Chittagong and Faridpur with various load dispatch strategies. The hybrid microgrids with a load of 23.31 kW and the following five dispatch algorithms have been optimized: (i) load following, (ii) HOMER predictive, (iii) combined dispatch, (iv) generator order, and (v) cycle charging dispatch approach. The proposed microgrids have been optimized to reduce the net present cost, CO₂ emissions, and levelized cost of energy. All five dispatch strategies for the two microgrids have been analyzed in HOMER Pro. Power system reactions and feasibility analyses of microgrids have been performed using ETAP simulation software. For both the considered locations, the results propound that load-following is the outperforming approach, which has the lowest energy cost of $0.1728/kWh, operational cost of $2944.13, present cost of $127,528.10, and CO₂ emission of 2746 kg/year for the Chittagong microgrid and the lowest energy cost of $0.2030/kWh, operating cost of $3530.34, present cost of 149,287.30, and CO₂ emission of 3256 kg/year for the Faridpur microgrid with a steady reaction of the power system.