This paper aims to investigate the determinants of performance for insurance companies in Tunisia from 2004 to 2017. Namely, we consider three dimensions of determinants; those related to firms’ microenvironment, macroenvironment and meso or industry environment. The performance of insurance companies is measured using three criteria: Return On Assets (ROA), Return On Equity (ROE), and Combined Ratio. The independent variables are categorized into three groups: microeconomic variables (Firm Size, Financial leverage, Capital management risk, Volume of capital, and Age of the firm), meso-economic variables (Concentration ratio and Insurance Sector Size), and macroeconomic variables (Inflation, Unemployment, and Population Growth). The General Least Squares (GLS) regression technique is employed for the analysis. The study reveals that the financial performance of Tunisian insurance companies is positively influenced by firm size, capital amount, and risk capital management. On the other hand, it is negatively influenced by leverage level, industry size, concentration index, inflation, and unemployment. In terms of technical performance, the capital amount of the firm, industry size, age of the firm, and population growth have a positive impact. However, firm size, leverage, concentration index, and risk capital management negatively affect technical performance. This paper contributes to the existing literature by examining the determinants of performance specifically for insurance companies in Tunisia. Besides the classical proxies of performance, this paper has the originality of using the technical performance which is the most suitable for the case of Insurance companies.

The food insecurity and inadequate management of family farm production is a problem that per-sists today in all corners of the world. Therefore, the purpose of this study was to analyze the socioeconomic and agricultural production management factors associated with food insecurity in rural households in the Machángara river basin in the province Azuay, Ecuador. The information was collected through a survey applied to households that were part of a stratified random sample. Based on this information, the Latin American and Caribbean Household Food Security Measurement Scale (ELCSA) was constructed to estimate food insecurity as a function of socioeconomic factors and agricultural production management, through the application of a Binomial Logit model and an Ordinal Logit model, in the STATA^® 16 program. The results show that head house a married head of household, living in an informal house, having a latrine, producing medicinal or ornamental plants, and the relationship between expenses and income are significant variables that increase the probability of being food insecure. In this way, this research provides timely information to help public policy makers employ effective strategies to benefit rural household that are food vulnerable.

Several studies have explored green economy and the needs for improvement on the standard of living among low-income families or households in many developing countries including Bangladesh. Similarly, there is an emphasis on economic growth and vision 2030 is regarded stressed. Nonetheless, there is less attention in exploring green economy in propelling sustainable financial inclusion among low-income families and households in Bangladesh in order to attain vision 2030 and overall economic growth.  The primary objective is to explore green economy in fostering sustainable financial inclusion among low-income families and households in Bangladesh in enhancing economic growth and vision 2030 in Bangladesh. Content Analysis (CA) and systematic literature review (SLR) as an integral part of qualitative research. Secondary data were gathered through different sources such as: Web of Science (WOS), related journals, published references, research papers, library sources and reports. The results indicated that poverty is a prime challenge impeding sustainable financial inclusion among low-income families and households in Bangladesh. The study has further established the potential of green economy in improving well-beings and social fairness in fostering sustainable and inclusive finance among families or households with low-income in the country. The paper also highlighted the necessity of implementing policy relating to vision 2030 by enhancing sustainable and inclusive finance among low-income households in particular and overall economic growth in the country in general. In conclusion, it has been reiterated that green economy has been a mechanism for achieving sustainable development in general and poverty eradication among low-income households in Bangladesh. It is therefore suggested that the government and economic policymakers should provide enabling environment for improving green economy among low-income households in achieving Vision 2030 and overall economic growth in the country.

Soundscape tourism has become one type of tourism, and its trend is emerging in most areas with hilly, forested, and natural landscapes, such as Bantul Indonesia, becoming a mainstay for region development and its community. This article explores four human manufactured soundscape tourism destinations in Bantul, Indonesia, examining the interrelationships between each tourism stakeholder and pinpointed development from a socio-economic perspective. We adopt a cross-case study approach, drawing main sources from government statistics, regulations, social media narratives, and online news. Using the NVivo 12 Plus software, we coded and annotated the research source. Our research revealed that in four case studies, tourism soundscapes emerged as the primary tourist attractions, with other attractions only marginally contributed. Presenting music or acoustic stages enabled tourism industry to reap benefits, particularly for local community and regional income. However, it is important to emphasize sustainability issues, thus, the continuous increased in music soundscape in nature has led to the formation of collaborations among tourism actors, with local communities “Pokdarwis” posed as the principal driving force behind destination development. This study demonstrates that human-manufactured soundscapes have the potential to increase visitor numbers and outperform natural soundscapes in natural destinations.

This research aims to develop a Synergy Learning Model in the context of science learning.  This research was conducted at Islamic Junior High School, Madrasah Tsanawiyah Negeri 2 Medan, involving 64 students of Grade 7 as the research subject. The method used in this research refers to the development research approach (R&D). In collecting the data, the research employed test and non-test techniques. The results prove that the Synergy learning model developed is effective in improving student learning outcomes. This is evident through the t-test statistical test where the t-count of 4.26 is higher than the t-table of 1.99. In addition, the level of practicality with a score of 3.39 is categorized as practical. This learning model emphasizes the learning process that supports the development of science skills and develops students' competencies in planning, collaborating, and critically reflecting. The findings of this study contribute to pedagogical practices and literature in the field of science learning.

This paper addresses the main logistics challenges in used car maritime traffic from Europe to West Africa. Thus, the methodology (quantitative and qualitative) analyses data from the International Organization of Motor Vehicle Manufacturers (OICA), from 2015 to 2023 of government and port authorities to show the importance of used car market for mobility and socioeconomic activities. This is supplemented by surveys based on direct observation in the field, questionnaires and interviews involving in Europe 55 stakeholders and 127 in Africa. The results demonstrate that cars used and their parts, but not wrecks, are essential for motorization in West Africa. A pre-export process needs to be set up to ensure that exported vehicles are parked in better condition to meet the required common environmental standards for sustainable mobility.