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.

Ignorance of laws and policies creates barriers to the social inclusion of persons with disabilities (PWDs), hindering their full participation in communal life and opportunities. The current study aims to analyze the social inclusion of PWDs in the context of ignorance of laws and policies and how it influences their overall social inclusion. To achieve the study objectives, data were collected from a sample of 488 PWDs, comprising 284 males and 204 females, in the selected six Union Councils (sub-administrative units) of District Malakand, Pakistan. Respondents were chosen through multistage stratified random sampling. In the univariate and multivariate level analyses, the chi-square test and Kendall’s Tau-b test statistics were used to test the relationship between ignorance of laws and policies and the social inclusion of PWDs. Gender and level of disability were used as control variables at the multivariate level. The results of Kendal Tb and chi-square significance values depicted a spurious relation among ignorance of laws and policies and social inclusion of PWDs while controlling respondent’s gender. The results highlighted that ignorance of laws and policies reduced social inclusion in male to a higher extent than female. Additionally, the social inclusion of PWDs with moderate disabilities is more significantly hampered by ignorance of laws and polices than those with severe disabilities.

The aim of this article is to investigate the impediments to creativity perceived by managers, the levels of creativity, its indicators, and personal characteristics conducive to creativity, as well as to elucidate the correlations among them. An experimental study was conducted involving 300 participants. Methods employed include surveying, testing, and mathematical statistical analysis. As the level of creativity increases, participants tend to assess their opportunities more favorably. The expression of creativity depends on the interconnection among the barriers to creativity, indicators of creativity, and personal qualities of creativity. A high level of creativity is manifested when there are fewer barriers and personal qualities such as Imagination and a propensity for Risk-taking. Conversely, the level of expression of creativity is low when there is an interconnection between Creativity and Complexity, Imagination, and creativity barriers such as lack of confidence and conformity to majority opinion.

Outsourcing logistics operations is a common trend as businesses prioritize core activities. Establishing a sustainable partnership between businesses and logistics service providers requires a systematic approach. This study is needed to develop a more effective and adaptive framework for logistics service provider selection by integrating diverse criteria and decision-making methodologies, ultimately enhancing the precision and sustainability of procurement processes. This study advocate for leveraging industry-based knowledge in procurement, emphasizing the need to define decision-making elements. The research analyzes nearly 300 logistics procurement projects, using a neural network-based methodology to propose a model that aids businesses in identifying optimal criteria for evaluating logistics service providers based on extensive industry knowledge. The goal of this study is to develop and test a practical model that would support businesses in choosing most suitable criteria for selection of logistics service providers based on cumulative market patterns. The results of this study are as follows. It introduces novel elements by gathering and systematizing unique market data using developed data processing methodology. It innovatively classifies decision-making elements, allocating them into distinct groups for use as features in a neural network. The study further contributes by developing and training a predictive model based on a prepared dataset, addressing pre-defined goals, expectations related to green logistics, and specific requirements in the tendering process for selecting logistics service providers. Study is concluded by summarizing suggestions for future research in area of adopting neural networks for selection of logistics service providers.

This article explores the application of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework in the context of integrating self-driving tractors into agricultural practices. With a focus on understanding the factors influencing the acceptance and adoption of this transformative technology, we delve into the implications for farmers, industry stakeholders, and the future of sustainable agriculture and rural tourism.

This study aims to investigate the phenomenon of non-disclosure of personal information among male individuals, employing the Communication Privacy Management Theory as a guiding framework. The objectives of the study encompass identifying the specific types of personal information male students refrain from disclosing, examining the underlying reasons for their non-disclosure practices, and assessing the impact of non-disclosure on their interpersonal relationships. Qualitative research methods, primarily in-depth interviews, were employed to gather insights, with six male students from Sultan Idris Education University (UPSI) participating in the interviews. The findings reveal that male students at UPSI do engage in non-disclosure of personal information, albeit to a certain extent. Specifically, the findings discovered four types of personal information—secrets, traumas, dark history, and family matters—that these students commonly choose not to disclose. Notably, there are four categories of personal information they tend to withhold, namely secrets, traumas, dark history, and family matters. The reluctance to disclose stems from factors such as insecure attachment, a reluctance to worry about their parents, and strained relationships with their family members. Furthermore, the study highlights that non-disclosure of personal information has both negative and positive repercussions on the participants’ relationships with others. Moreover, the study underscores that non-disclosure of personal information can have both negative and positive effects on the participants’ relationships, shedding light on the complexities of navigating personal privacy choices in the university and job-seeking context. The study contributes valuable insights into the challenges of employability dilemmas faced by male university students concerning the management of personal information.