This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.

Regional differentiation in the Russian Federation is considered to be high in terms of gross regional product (GRP) per capita level, growth rate, and other indicators. Inefficient use of region-specific spaces entails redistribution processes in order to maximize positive agglomeration effects throughout the country. These encompass economic restructuring based on production value-added chain extension and expanding inter-regional collaborative linkages. Besides, it is vital to assess the opportunities of individual Russian territories for participation therein. The research goal is to develop a scientifically based methodology to determine promising sectoral composition of the regional economies and that of spatial interactions. Such methodology would consider the feasibility of combining “smart” industrial specializations, regional resource potential, prevailing contradictions in the economic, innovative, and technological development of the country’s internal space. The proposed methodological approach opens the way to exploit the existing regional economic potential to the full, firstly, via establishing sectoral priorities of the region regarding the regulatory factors for the territorial capital to have a major effect on the increased potential GRP level; secondly, through benchmarking performance of the available development reserves within leading regions from homogeneous groups having similar characteristics and factor potentials; thirdly, via developing inter-regional integration prospects in terms of regional potential redistribution to ensure growth in potential gross domestic product. An extensive analytical and applied investigation of the proposed methodological approach was carried out from 2014 to 2020. Diversified estimates were obtained for a wide range of indicators due to evidences from 85 Russian regions and 13 types of economic activity. Such an integrated approach allows revealing actual imbalances and barriers that impede regional development, ensures the efficient use of production factors, and enables to trace ways to implement transformation policies and design effective regulatory mechanisms. The results provide arguments in favor of strengthening inter-regional connectivity and supporting inter-regional cooperation. This insight not only contributes to the academic discourse on complex development of a territory but also holds practical implications for policymakers and regional planners aimed at ensuring comprehensiveness and robustness of the evaluation supporting the decision-making process.

This study investigates the relationship between Corporate Social Responsibility (CSR) dimensions and employees’ satisfaction and retention for sustainability in banks.  Four components (economic, legal, ethical, and philanthropic) are analyzed CSR activities and their effects on employee’s satisfaction and retention in the company. Purposive and convenient sampling method was used to get the information from 221 participants. The entire form of the dataset is utilized to execute regression and correlation analysis using SPSS. In order to find out the relationship between economic, legal, ethical, and philanthropic factors and employee’s satisfaction and retention, regression beta coefficient and correlation were used to analyze. This study also examines the relationship between job satisfaction and intentions to retain with an organization. The findings demonstrate that the CSR aspects of ethical and philanthropic have a considerable and favorable influence on employee’s satisfaction. The outcome also demonstrates a good and prominent influence of legal CSR on the satisfaction of employee’s to retain with the firm. Moreover, this study demonstrates that economic aspect of CSR has no significant impact on employee’s retention and satisfaction. Correlation analysis depicts that economic CSR is positively and significantly connected with employee’s retention and satisfaction. This research came to the conclusion that enhancing employees view regarding CSR activities such as economic, legal, ethical, and philanthropic will increase employee’s satisfaction. Therefore, executives and managers in the banks should take steps to influence how employees see CSR areas in order to raise employee’s satisfaction and retention in the banks for sustainability.

This study addresses the present limited understanding of the complex relationship between ethical leadership, job stress, and employee job performance in the hotel business. This study shows that job stress moderates the association between ethical leadership and employee job performance, underlining the necessity for more research in the industry. The present study fills a crucial research void in our understanding of the complex interaction between these factors. The study utilizes a sample of 292 employees in the accommodation and hotel industry. Prior to commencing data collection, the questionnaire underwent thorough validation and reliability testing to ensure that the instrument met all specified criteria and demonstrated robustness. Using hierarchical regression analysis, the study reveals substantial findings. It has been discovered that ethical leadership has a direct and positive effect on employee job performance. Notably, job stress emerges as a significant moderating variable that affects the relationship between ethical leadership and employee job performance. This highlights the crucial role that job stress plays in determining outcomes. The research indicates that reducing workplace stress and fostering ethical leadership can result in improved employee job performance. In addition, the study highlights the importance of social learning theory in enhancing employee job performance, with job stress and ethical leadership serving as significant moderating factors.