Finance is the core of the modern economy and the bloodline of the real economy; adherence to the people-centered value orientation and the financial services of the real economy as the fundamental purpose is an important connotation of the road of economic development with Chinese characteristics. Financial work is distinctly political and people-oriented, and must consciously practice the concept of the people, serve agricultural and rural development and farmers to increase their income and contribute to the common prosperity of farmers and rural areas. This study is based on the key factors affecting the multidimensional poverty of rural households—external rural financial resources availability and internal rural household entrepreneurship, rural household risk resilience, and rural household financial capability joint analysis. Based on financial exclusion theory, financial inclusion theory, poverty trap theory, and financial literacy theory, to build a logical framework between the rural financial resources availability, farmers’ financial capability, farmers’ entrepreneurship, farmers’ risk management capability, and farmers’ poverty, and then empirically explore the optimization mechanism of poverty reduction for farmers, and analyze the heterogeneity of the financial resources availability, to reduce the return to poverty caused by the lack of entrepreneurial motivation and the low level of risk resilience of rural households. The study aims to improve the farmers’ financial capability and promote sustainable and high-quality development of rural households. In this study, we modeled financial resource availability and rural household poverty using structural equations and surveyed rural households using a scale questionnaire. It was found that financial resource availability significantly affects rural household risk resilience, farmers’ entrepreneurship, and rural household poverty and that rural household risk resilience significance mediates the relationship between financial resource availability and rural household poverty, financial capability plays a significant moderating role. However, the mediating effect of farmers’ entrepreneurship on the availability of financial resources and farmers’ poverty is insignificant. Here, we put forward corresponding countermeasures and recommendations: guiding the allocation of financial resources to key areas and weak links; optimizing financial services; and building a long-term mechanism.

The quest for quality postgraduate research productivity through education is on the increase. However, in the context of the African society, governance structures and policies seem to be impacting on the quality level of the provided education. Hence, this conceptual study explored the roles of governance structures and policies in enhancing and ensuring quality postgraduate education programmers in African institutions of higher learning. To this end, various relevant literature was reviewed. The findings showed amongst others that governance structures and policies affect the quality of education provided. Meanwhile, other factors such as curriculum, foreign influence, lack of resources, training, amongst others contribute to the quality of education provided. The study concludes that there is need for the current structures of governance and the designed and implemented policies for postgraduate education to be reviewed and adjusted towards ensuring the desired transformation.

The purpose of the work is to study the transformation processes of constructing professional identity under the influence of new information technologies and to consider the evolution of views on the processes of scientific and practical understanding of new media resources in the context of the development of convergent journalism as a phenomenon of the modern information society. It was established based on the conducted research that the values and beliefs of journalists, reflecting the process of professional self-identification, are forming in the process of choosing certain options among a variety of alternatives and transforming further under the current conditions of the information and communication environment. In the process of the study, the article identifies the features, content, and main trends in the transformational processes of professional identity and professional culture of journalists in the context of technological changes in the media industry. The dynamics of the development of media convergence are shown from the point of view of the mutual influence of traditional and new media and the tendency of improving their technological and dialogue features and capabilities in content creation and broadcasting. An assessment is made of the degree of adaptation of regional media to modern conditions of the information and communication environment in the context of organizational, professional, and communicative convergence.

The development of the personal innovative competences in workers is of capital importance for the competitiveness of organizations, where the ability of the employees must respond in an innovative way to diverse situations that arise in specific contexts. Considering this, the question arises: How do innovative employees' competences affect the sustainable development of Micro, Small and Medium Enterprises (MSMEs)? Therefore, the objective of this work is to present a multi-criteria method based on the Analytic Network Process (ANP), to relate innovative personal competences and the sustainable development of MSMEs. An instrument was applied to groups of experts from 31 Ecuadorian fruit-exporting MSMEs, to develop a multi-criteria decisional network that allowed identifying the innovative personal abilities that have the greatest impact on the sustainable development of these organizations. The results demonstrate the relevance of the elements of innovative personal competencies, with a cumulative participation of 39.15%, Sustainable Export Development with 32.18% and Improvements with 28.66%. It also presents three types of analysis: i) Global to establish the weight of each variable; ii) Influences, to establish solid cause-effect relationships between the variables and iii) Integrated. The most relevant innovative personal competences for sustainable development and improvements for exporting SMEs are teamwork, critical thinking, and creativity within the international context.

This article discusses one of the problems of using digital technologies, namely the complexity of assessing the effectiveness of their implementation. Since the use of digital twins at the enterprises of the fuel and energy complex (FEC) has recently become relevant, the authors have chosen the digital twins technology for consideration in this article. For the successful implementation of digital technologies, the authors propose a system of evaluation indicators that will measure the effectiveness of Digital Twins implementation and determine the benefits obtained. The advantages of digital twins include improved management and monitoring, optimization of production processes, prediction of equipment failures, as well as reduced maintenance costs and increased overall efficiency of FEC systems. As a methodological basis for the study, authors use the system of balanced indicators proposed by R. Kaplan and D. Norton, which served as the basis for the development of a set of performance indicators of the fuel and energy complex enterprise with the introduction of digital twins. As a result of the study, a list of indicators for monitoring the effectiveness of digital twins implementation was determined. The study identifies performance indicators for digital twin implementation, with future research aimed at quantitative assessments. The enterprise can implement a digital twin system with a WACC of 10.99%, payback period of 8.06 years, IRR exceeding the discount rate by 9.07%, a 3.5% reduction in harmful emissions, and a 2.5% efficiency increase.

The low-carbon economy is the major objective of China’s economy, and its goal is to achieve sustainable economic development. The study enriches the literature on the relationship between digital Chinese yuan (E-CNY), low-carbon economy, AI trust concerns, and security intrusion. The rapid growth of Artificial Intelligence (AI) offered more ways to achieve a low-carbon economy. The digital Chinese yuan (E-CNY), based on the AI technique, has shown its nature and valid low-carbon characteristics in pilot cities of China, it will assume important responsibilities and become the key link. However, trust concerns about AI techniques result in a limitation of the scope and extent of E-CNY usage. The study conducts in-depth research from the perspective of AI trust concerns, explores the influence of E-CNY on the low-carbon economy, and discusses the moderating and mediating mechanisms of AI trust concerns in this process. The empirical data results showed that E-CNY positively affects China’s low-carbon economy, and AI trust concerns moderate the positive impact. When consumers with higher AI trust concerns use E-CNY, their feeling of security intrusion is also higher. It affects the growth of trading volume and scope of E-CNY usage. Still, it reduces the utility of China’s low-carbon economy. This study provides valuable management inspiration for China’s low-carbon economy.