Access to clean water and improved sanitation are basic elements of any meaningful discourse in rural development. They are critical challenges for achieving sustainable development over the next decade. This paper seeks to examine the strategies for improving access to clean water and sanitation in Nigerian rural communities. Hypothetically, the paper states that there is no significant relationship between access to clean water and sanitation and the attainment of Sustainable Development Goal 6 in Nigeria. The paper leverages Resilience Theory. The survey research design was adopted, and primary data was obtained from a sample size of 250 respondents, proportionally drawn from the 10 wards in Obanliku local government area of Cross River State. The chi-square statistical technique was to test the hypothesis. The result shows that the calculated value of Chi-square (X²) is 24.4. Since the P-value of 21.03 is less than the level of significance (0.05), the null hypothesis was rejected and the alternate accepted. The study concludes that there is a significant relationship between access to clean water and sanitation and the attainment of Sustainable Development Goal 6 in Cross River State, Nigeria. it recommends the need for more commitment on the part of government and international donor agencies in expanding access to clean water and improved sanitation in Nigeria.

The research aims to examine East Nusa Tenggara (NTT) bank service digitalization innovations and examine several implications of bank service digitalization innovations. This research uses a qualitative approach with data collection techniques: in-depth interviews, documentation, and focused discussions. The key informants in this research were the board of commissioners, directors, division heads, and NTT bank employees. The findings of this research are, first, the existence of an existing/generic model in the operational, supporting, and monitoring fields of NTT banks. Second, there is an innovation model for digitizing services and efforts to popularize the digitization of NTT bank services to the government-private sector, including micro, small, and medium enterprises (MSMEs), religious institutions, educational institutions, students and students as well as the broader community to provide easy access to sources of financing for the community, Eliminate regional tax leakage, encourage the development of micro, small, and medium enterprises (MSMEs) and assisted village farmers/breeders, provide entrepreneurial opportunities for the community, namely as a digital agent for NTT bank, minimize fraudulent behavior (shirking) in credit distribution. Third, service digitalization innovation uses a contextual sociolinguistic approach because it incorporates local and global vocabulary such as Bpung Mobile, Bpung Farmer, Lopo Dia Bisa, and Bpinjam. Fourth, service digitalization innovation refers to OJK regulations regarding banking digital transformation contained in RP 21 and PBI number 23/26/2021. Fifth, conventional services (hybrid approach) still accompany the digitalization innovation model. Sixth, Bank NTT is in quadrant III, namely growth. Bank NTT continuously optimizes existing resources by taking advantage of opportunities to increase business growth and continues to mitigate threats into opportunities and strengths. The implications of the innovation in digitizing NTT bank services include updating standard operating procedures (SOP), changing corporate culture from Flobamora to Bintang, and accelerating the increase in human capital capacity. The implications of research on bank management refer to the innovation of procurement of new IT systems. Banks can increase their attention to service quality and maintain customer trust to maintain the quality of digital banks among customers. Moreover, with post-COVID-19 conditions that require people to make digital transactions. With the changes in the financial industry towards digitalization, it is necessary to strengthen risk management in financial service institutions. The implications of the research results for policymakers need to be considered in the transformation towards digital banking related to equitable internet access in Indonesia, cybersecurity, and employment. Recommendations for future research are the importance of studying the determinants of digital service innovation in bank services, such as transformational leadership style, good corporate governance, and organizational commitment.

Clustering technics, like k-means and its extended version, fuzzy c-means clustering (FCM) are useful tools for identifying typical behaviours based on various attitudes and responses to well-formulated questionnaires, such as among forensic populations. As more or less standard questionnaires for analyzing aggressive attitudes do exist in the literature, the application of these clustering methods seems to be rather straightforward. Especially, fuzzy clustering may lead to new recognitions, as human behaviour and communication are full of uncertainties, which often do not have a probabilistic nature. In this paper, the cluster analysis of a closed forensic (inmate) population will be presented. The goal of this study was by applying fuzzy c-means clustering to facilitate the wider possibilities of analysis of aggressive behaviour which is treated as a heterogeneous construct resulting in two main phenotypes, premeditated and impulsive aggression. Understanding motives of aggression helps reconstruct possible events, sequences of events and scenarios related to a certain crime, and ultimately, to prevent further crimes from happening.

Environmental regulation is globally recognized for its crucial role in mitigating environmental pollution and is vital for achieving the Paris Agreement and the United Nations Sustainable Development Goals. There is a current gap in the comprehensive overview of the significance of environmental regulation research, necessitating high-level insights. This paper aims to bridge this gap through an exhaustive bibliometric review of existing environmental regulation research. Employing bibliometric analysis, this study delineates publication trends, identifies leading journals, countries, institutions, and scholars. Utilizing VOSviewer software, we conducted a frequency and centrality analysis of keywords and visualized keyword co-occurrences. This research highlights current hotspots and central themes in the field, including “innovation”, “performance”, “economic growth”, and “pollution”. Further analysis of research trends underscores existing knowledge gaps and potential future research directions. Emerging topics for future investigation in environmental regulation include “financial constraints”, “green finance”, “green credit”, “ESG”, “circular economy”, “labor market”, “political uncertainty”, “digital transformation”, “exports” and “mediating effects”. Additionally, “quasi-natural experiments” and “machine learning” have emerged as cutting-edge research methodologies in this domain. The focus of research is shifting from analyzing the impact of environmental regulation on “innovation” to “green innovation” and from “emissions” to “carbon emissions”. This study provides a comprehensive and structured understanding, thereby guiding subsequent research in this field.