In the Indian context, financial planning for salaried individuals has gained increased importance due to economic fluctuations, rising living costs, and the need for robust retirement planning. Despite its importance, there is limited research on the specific factors that influence financial decision-making among salaried employees in India. Understanding these determinants is essential for developing effective strategies to enhance financial well-being among employees. This study explores the key factors influencing financial decision-making among employees, including financial goals, emergency savings, retirement planning, budgeting, financial confidence and literacy, financial stress, use of tax-saving instruments, income level, risk tolerance, and debt levels. A sample of 549 employees from diverse sectors in Uttar Pradesh participated in this research, highlighting the critical aspects of personal financial management that impact financial well-being. The study used a questionnaire-based survey to gather data on factors affecting financial decision-making. Descriptive statistics, correlation, and regression analyses were employed to identify significant predictors. The results reveal that financial literacy, access to resources, attitudes toward retirement planning, and cultural norms significantly influence financial decisions. Additionally, income level, job stability, and social support are crucial in shaping employees’ financial planning. The study recommends enhancing employees’ financial decision-making by offering financial education programs, budgeting tools, retirement planning assistance, debt management programs, tax planning workshops, financial counselling services, and employer match programs for retirement savings. These initiatives aim to boost financial literacy and confidence, enabling employees to make informed financial decisions and improve their financial well-being.

The use of infrastructure as a catalyst for Indonesia’s economic growth faces significant challenges. One example is the construction projects, which have not reached the intended goal and have led to an increase in investment cost compared to the original plan. Additionally, the interaction between the government and companies involved in toll-road construction projects under the public-private partnerships (PPP) mechanism has yet to produce good quality project governance and expected project performance. This study aimed to find empirical data on the determination of project intellectual capital and project ownership structure through good project governance on toll-road project performance in Indonesia. This study adopted a quantitative approach that involved data collected through a survey conducted among toll-road projects from 2015 to 2019. The data was analyzed with Structural Equation Modeling Partial Least Square (SEM-PLS). The results showed that project intellectual capital and project ownership structure significantly affected good project governance. Good project governance Practices significantly affected project performance. Project intellectual capital and project ownership structure influenced project performance through the mediation of good project governance. Conversely, two hypotheses were not supported by the data, i.e., the effect of project intellectual capital and project ownership structure on project performance. The findings of this research contributed to the literature regarding the implementation of collaborative governance in PPPs toll road development projects in Indonesia by providing a framework and assessment tools, which could be valuable for researchers and policymakers in analyzing and evaluating the governance and performance of toll road construction PPP projects.

One significant importance of street vending in South Africa is its role in providing livelihoods and economic opportunities, especially for marginalized and vulnerable populations. However, Street vendors, particularly those selling agricultural commodities, face numerous challenges. Street vending in Moletjie Mmotong is a vital source of income and employment, offering affordable goods and services, including food, clothing, and household items. One potential solution is online selling, but there is limited knowledge about it in the informal sector. This study aims to analyze the factors affecting street vendors’ willingness to sell fruits and vegetables online in Moletjie Mmotong under Polokwane Municipality. Data was collected from 60 street vendors using a questionnaire and simple random sampling. Descriptive statistics identified and described the socio-economic characteristics of the vendors, while a binary logistic regression model analyzed the factors influencing their willingness to sell online. The study found that age, education level, gender, household size, and access to online selling information significantly influenced their willingness to sell online. The findings highlight the potential benefits of online selling for street vendors, such as increased sales and a broader customer base. The study recommends that governments provide training and workshops on online selling, develop educational programs, distribute educational materials, and create marketing strategies to support street vendors in transitioning to online platforms.

In the era of globalization and advanced information transparency, competition between companies has become increasingly fierce due to the large number of products and services that have similar characteristics. This situation creates a competitive and dynamic business climate, where companies must adapt quickly to the changes that occur. This study investigates the impact of servant leadership on employee performance at Mandiri In health, focusing on employee engagement and Organizational Citizenship Behavior as relevant mediating variables. The study used a proportionate stratified random sampling method to determine the sample of respondents, which ultimately consisted of 206 individuals who were analyzed using Structural Equation Modeling (SEM) techniques. The main findings of the study show that servant leadership has a significant direct influence on employee performance, employee engagement, and Organizational Citizenship Behavior in the company. This indicates that service-oriented leadership practices not only influence individual performance, but also contribute to employee volunteering and active engagement in the organization. Employee engagement and Organizational Citizenship Behavior affect employee performance directly, there is no evidence that servant leadership affects employee performance indirectly through the mediation of employee engagement. There is an indication that Organizational Citizenship Behavior acts as a mediator between servant leadership and employee performance, indicating the importance of organizational citizenship behavior in facilitating the positive relationship between leadership and performance. These findings provide a deeper understanding of how leadership strategies can significantly contribute to the achievement of organizational goals in a competitive business environment.

This study analyzes the highly disruptive transportation business in Indonesia. The purpose of observation is to completely synthesize disruptive transportation that causes bad externalities in society. Data sources come from primary data of interviews and secondary data of related literature. The research method uses critical qualitative with a combination of in-depth interviews with several stakeholders. Key findings suggest that trust, consistency, capital ownership and proximity of new entrants to incumbents are important in disruptive innovation processes, empirical implications that transportation in Indonesia has undergone a definite economic shift. The results showed that although the government has publicly expressed its full support for any individual who will develop a business in the digital economy model, it is not effective enough to be consistent in the transportation business. Policy recommendations include adaptive training incentive programs for incumbent groups and accelerated funding assistance for new entrant groups, in addition to strengthening active collaboration between the government and the private sector is urgently needed.

This study investigates the complex interrelationship between democracy, corruption, and economic growth in Greece over the period 2012–2022. Using data from Transparency International, the Economist Intelligence Unit, and Eurostat, appropriate methods such as Ordinary Least Squares (OLS) regression, Generalized Method of Moments(GMM) estimation, and Granger causality tests were applied. The findings reveal that increased democracy correlates positively with reported corruption, likely reflecting heightened transparency and exposure. Conversely, economic growth shows a negative association with corruption, underlining the role of structural reforms and institutional improvements. These insights emphasize the need for strengthening democratic institutions, promoting digital governance, and implementing targeted economic reforms to reduce corruption and foster sustainable development.