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.

The sustainable development of the global economy and society necessitates the integration of environmental and socially responsible management, known as ESG (environmental, social, and corporate governance). Despite growing recognition of ESG’s importance, the strategic management of ESG factors in Kazakhstan’s telecommunications industry remains underexplored. This study bridges this gap by analyzing Kazakh telecom’s ESG strategies from 2019 to 2021 through a cross-sectional design and semi-structured interviews with 12 industry experts. Utilizing the National Rating Agency (NRA) methodology, the research evaluates environmental, social, and governance variables. Key findings reveal that Kazakh telecom excels in “Climate Change” and “Human Capital Management” but needs significant improvements in “Environmental Impact” and “Society.” The study offers specific recommendations such as enhancing corporate volunteering, responsible marketing, service quality, and integrating sustainable practices. The primary contributions of this research include actionable insights for improving ESG strategies in telecommunications companies and advocating for more systematic and standardized ESG assessment approaches. This study expands the understanding of how ESG principles can enhance competitiveness and sustainable development in the telecommunications industry, providing valuable guidance for industry practitioners and policymakers. It offers insights into effective ESG implementation practices and highlights critical areas requiring attention to drive sustainable development in telecommunications.

An appraisal of the groundwater potential of Alex Ekwueme Federal University Ndufu Alike was carried out by integrating datasets from geology, geographic information system and electrical resistivity survey of the area. The study area is underlain by the Asu River group of Albian age. The Asu River Group in the Southern Benue Trough comprises of Shales, Limestones and Sandstone lenses of the Abakaliki Formation in Abakaliki and Ikwo areas. The shales are generally weathered, fissile, thinly laminated and highly fractured and varies between greyish brown to pinkish red in colour. Twenty (20) Vertical Electrical Sounding data were acquired using SAS 1000 ABEM Terrameter and processed to obtain layer parameters for the study area. A maximum current electrode spacing (AB) of 300 meters was used for data acquisition. Computer aided iterative modelling using IPI2 Win was used to determine layer parameters. In-situ Hydraulic Conductivity measurements at seven parametric locations within the study area were conducted and integrated with Electrical Resistivity measurements to determine aquifer parameters (e.g., Hydraulic conductivity and Transmissivity) in real time. This technique reduces the attendant huge costs associated with pumping tests and timelines required to carry out the technique. Accurate delineation of aquifer parameters and geometries will aid water resource planners and developers on favourable areas to site boreholes in the area. Several correlative cross-sections were generated from the interpreted results and used to assess the groundwater potential of the study area. Results show that the resistivity of the the aquifer ranges from 7.3 Wm–530 Wm while depth to water ranges from 11.4 m to 55.3 m. Aquifer thicknesses range from 8.7 m at VES 5 to 36.3 m at VES 6 locations. Hydraulic conductivity ranges from 1.55 m/day at VES 15.18, and 19 locations to 9.8 m/day at VES 3 and 4 locations respectively. Transmissivity varies from 17.48 m²/day at VES 19 to 98 m²/day at VES 3 locations respectively. Areas with relatively high transmissivities coupled with good aquifer thicknesses should be the target of water resource planners and developers when proposing sites for drilling productive boreholes within Alex Ekwueme federal University Ndufu Alike.

This research was conducted to find out how a hybrid organization concept can be applied to various types and scopes of organizations. There are several things becoming the main focus in this hybrid organization research, namely to find out the extent to which the development of hybrid organizations in its practice when implemented and to find out what types of logic are used by various organizations in implementing hybrid organizations. The findings of the study showed that the concept of hybrid organizations has developed widely in the theory and practice of managing an organization. The concept of hybrid organizations has even been used by several sectors/fields of organizations, including small business organizations, construction projects, social enterprises, government companies, and even universities. This research concludes that the concept of a hybrid organization can be applied to various types & lines of organization because it is generally translated into the same concept in its application. However, some differences are characterized by the use of logic that each organization has that underlies the application of the hybrid organizational concept.

The paper demonstrates the importance of subnational data on housing to be systematically reported and added to country typologies. We asked which national and local level characteristics of housing regimes can serve as benchmarks for reasonable country groupings. The aim of this paper is to (1) develop a methodological tool enabling the comparison of conditions for housing policy implementation on national and subnational levels and (2) identify the group of countries where conditions for housing policy implementation on national and subnational levels tend to be comparable. This country classification can be used as a practical instrument for comparative analyses and policy learning. As a conceptual framework, we used the international comparative Housing research 2.0 launched by Hoekstra in 2020. For our analysis, we selected 15 basic factors that were tested in 24 European countries. We have identified three key factors having an impact on housing policy implementation: decentralisation level in housing, local budget housing expenditure and the information on which governance level has core competencies within housing. The numeric database has been run through a k-means cluster analysis. Five distinct types of countries with similarities in conditions for housing policy implementation on national and subnational level have been identified and described.