This paper investigates the impact of financial inclusion on financial stability in BRICS countries from 2004 to 2020. Using a panel smooth transition regression model, the results reveal a U-shaped relationship between financial inclusion and financial stability. Financial inclusion reduces financial stability up to a threshold of 44.7%. Beyond this point, financial inclusion contributes to greater financial stability, through gradual transitions. Enhanced financial inclusion supports banks in stabilizing their deposit funding by facilitating access to more stable, long-term funds and alleviating the negative impacts of fluctuations in returns. Furthermore, the study examines the role of institutional quality in shaping the financial inclusion-financial stability nexus, indicating a significant positive effect, especially in the upper regime. These findings provide valuable insights for financial regulatory authorities, highlighting the importance of promoting financial inclusion in BRICS economies and adapting regulations to mitigate potential risks to global financial stability.

Nigeria’s palm oil processing industry poses significant environmental pollution risks, jeopardizing the country’s ability to meet the UN’s 17 Sustainable Development Goals (SDGs) by 2030. Traditional processing methods generate palm oil mill effluent (POME), contaminating soil and shallow wells. This study investigated water samples from five locations (Edo, Akwa-Ibom, Cross River, Delta, and Imo states) with high effluent release. While some parameters met international and national standards (WHO guidelines, ASCE, NIS, and NSDWQ) others exceeded acceptable limits, detrimental to improved water quality. Results showed, pH values within acceptable ranges (6.5–8.5), high total conductivity and salinity (800–1150 µS/cm), acceptable hardness values (200–300 mg/L), nitrite concentrations (10–45 mg/L), excessive magnesium absorption (> 50 mg/L), biochemical oxygen demand (BOD) indicating significant pollution (75–290 mg/L), total dissolved solids (TDS) exceeding safe limits in four locations, total solids (TS) exceeding allowable limits for drinking water (310–845 mg/L), water quality index (WQI) values ranged from “poor” to “very poor”. POME contamination by metals like magnesium, nitrite, chloride, and sodium compromised shallow well water quality. Correlation analysis confirmed robust results, indicating strong positive correlations between conductivity and TDS (r = 0.85, p < 0.01) and pH and total hardness (r = 0.65, p < 0.05). The study emphasizes the need for environmentally friendly palm oil processing methods to mitigate pollution, ensure safe drinking water, and achieve Nigeria’s SDGs. Implementation of sustainable practices is crucial to protect public health and the environment.

This study aims to determine the extent of gender inequality in human resource development in Indonesia against Association of South East Asian Nations (ASEAN). This research using secondary data from various relevant sources. There are five dimensions that and are important for measuring gender equality, namely economic participation, economic opportunities, political empowerment, educational attainment, and health and welfare. The assessment was carried out on Indonesia and other countries in Southeast Asia. The results of the study show that Indonesia has the lowest gender development index (GDI) score compared to the average in ASEAN. Then, gender empowerment measure (GEM) Indonesia increased slowly. The most striking gap is in the income dimension, where men’s income far exceeds women’s income. This happens because women work less than men because women are more traditional in domestic roles in Indonesia, where women are prioritized in managing the household. However, for political indicators, there has been an increase in the number of women in parliament, but the target has not yet reached 30 percent of the total number of women in parliament. This situation shows that there is a reduction in the gender gap in the economy and politics. But the number is still too small, it is necessary to increase the equally distributed equivalent percentage (EDEP) for the Economic Participation Index, Parliamentary Representation Index and Income Index.

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.

This inquiry endeavors to meticulously examine the intricate dynamics of the symbiotic developmental interplay among the gaming, tourism, and economic sectors in Macau. Utilizing the methodology of deviation standardization, the data undergoes scrupulous processing, invoking the entropy method to ascertain the weights of diverse evaluative indices. The developmental trajectories of Macau’s gaming, tourism, and economic domains spanning the years 2011 to 2021 are fastidiously gauged. Subsequently, a sophisticated coupled coordination model is employed to delve into the nuanced systemic interdependencies characterizing their developmental relationships. From 2011 to 2021, the holistic progression of Macao’s gaming and tourism sectors has exhibited a discernible ascent over the temporal continuum. Concurrently, the degree of coupling coordination has advanced from a state of near coordination to a commendable level of synchronized development. The overarching system of Macau’s gaming and tourism industries has transitioned from a state of disarray to one of ordered harmony, with the correlative impact of Macau’s tourism sector being adeptly realized. The supporting role played by Macau’s gaming industry in fortifying the tourism sector is conspicuously manifest. The alignment and coordination between Macau’s gaming and tourism sectors exhibit fluctuations across distinct developmental stages. During phases of nascent development in both the gaming and tourism domains, a palpable imbalance prevails. Elements such as the proliferation of gaming enterprises, international tourism revenue, aggregate output value of gaming establishments, market share held by gaming enterprises, and the profit margins thereof have, to a certain extent, impinged upon the harmonized evolution of the tripartite subsystems. This study proffers recommendations to foster the optimization and elevation of the industrial structure while championing the integration and advancement of diverse sectors. It advocates for the amplification of the propulsive impetus intrinsic to the gaming industry, coupled with the enrichment of the tourism product portfolio. Furthermore, it espouses the establishment of an effective mechanism for high-quality development, tailored to the exigencies of the contemporary era. This involves the implementation of precise policies, the facilitation of amalgamated progress in gaming and tourism, and an unwavering commitment to sustainable development through the interconnected alignment of gaming, tourism, and the broader economy. The findings of this study furnish a scientific foundation for the strategic industrial planning and developmental initiatives undertaken by relevant departments in Macau.