Loans are a critical transmission channel for commercial banks as well as an important revenue source. Macroeconomic factors are not within the control of commercial banks, however, select factors are observed to have a direct impact on lending behaviour in studies around the world. This study examined the relationship between macroeconomic variables and the lending behaviour of banks in South Africa for the period ranging from 2001 to 2022. Quarterly time series data was employed using the Autoregressive Distributed Lag Model (ARDL). The empirical results of the paper revealed that there is a long-run relationship between the repurchase rate (repo rate), inflation, the real effective exchange rate (REER) and lending behaviour in South Africa. The REER and inflation were both found to have a positive relationship, whilst the repo rate had a negative relationship. In addition, Gross Domestic Product (GDP), the activity rate and sovereign credit rating (SCR) changes returned insignificant results. Overall, these findings show that select macroeconomic factors do influence lending behaviour in South Africa. Furthermore, the results suggest that monetary policy decisions have a direct influential effect on lending and the South African Reserve Bank (SARB) has implemented their policies effectively.

The COVID-19 pandemic has brought life changing conditions to families that require coping strategies in order to survive and achieve family well-being. This study aims to analyze differences between single earner and dual earner families during the COVID-19 pandemic and to analyze the factors that influence subjective family well-being. The research design used was a cross sectional study with sample collection through non-probability sampling. Data collection was carried out by filling out questionnaires online. The number of respondents involved in the study was 2084 intact families with children residing in DKI Jakarta, West Java, and Banten Provinces. Reliability and validity tests were conducted. The results of the independent t-test showed that dual-earner families experienced better life changes and a higher level of subjective family well-being than single-earner families and had lower economic pressure and lower economic coping than single earner families. The SEM analysis found that life changes affected economic coping negatively and subjective family well-being positively. Family income influenced economic coping negatively and subjective family well-being positively. Finally, it was found that economic coping had no effect on subjective family well-being.

Proper understanding of LULC changes is considered an indispensable element for modeling. It is also central for planning and management activities as well as understanding the earth as a system. This study examined LULC changes in the region of the proposed Pwalugu hydropower project using remote sensing (RS) and geographic information systems (GIS) techniques. Data from the United States Geological Survey's Landsat satellite, specifically the Landsat Thematic Mapper (TM), the Enhanced Thematic Mapper (ETM), and the Operational Land Imager (OLI), were used. The Landsat 5 thematic mapper (TM) sensor data was processed for the year 1990; the Landsat 7 SLC data was processed for the year 2000; and the 2020 data was collected from Operation Land Image (OLI). Landsat images were extracted based on the years 1990, 2000, and 2020, which were used to develop three land cover maps. The region of the proposed Pwalugu hydropower project was divided into the following five primary LULC classes: settlements and barren lands; croplands; water bodies; grassland; and other areas. Within the three periods (1990–2000, 2000–2020, and 1990–2020), grassland has increased from 9%, 20%, and 40%, respectively. On the other hand, the change in the remaining four (4) classes varied. The findings suggest that population growth, changes in climate, and deforestation during this thirty-year period have been responsible for the variations in the LULC classes. The variations in the LULC changes could have a significant influence on the hydrological processes in the form of evapotranspiration, interception, and infiltration. This study will therefore assist in establishing patterns and will enable Ghana's resource managers to forecast realistic change scenarios that would be helpful for the management of the proposed Pwalugu hydropower project.

Due to the incapacity of families in Sub-Saharan African nations to satisfy basic necessities for home maintenance, this study is required to enable policy shifts in the area of consumption tax. The study looks at the impact of consumption taxes on the purchasing power of families in Sub-Saharan Africa, with an emphasis on Nigeria and Kenya. The datasets used for this inquiry range from 1994 to 2022. Among the factors are purchasing power parity (PPP), value added tax (VAT), and exchange rate. We obtained the statistics from the World Bank, the Central Banks of Nigeria and Kenya, the Federal Inland Revenue Service, and the Organization for Economic Co-operation and Development (OECD). The study used the autoregressive distributed lag (ARDL) model established by Pesaran et al. (2001). The findings reveal that the inclusion of VAT on the prices of products and services significantly harms households throughout Nigeria compared to those in Kenya. VAT has a significant negative impact on consumer purchasing power in Nigeria but has an immaterial negative impact on household spending capacity in Kenya. The influence of the currency rate is positive and beneficial in Nigeria, whereas it is negative but intangible in Kenya. Due to economic disparity, the report suggests policy reforms in favour of families. It is also suggested that the government develop additional work possibilities, diversify the economy, and give subsidies for basic housing necessities.

The Mass Rapid Transit (MRT) Purple Line project is part of the Thai government’s energy- and transportation-related greenhouse gas reduction plan. The number of passengers estimated during the feasibility study period was used to calculate the greenhouse gas reduction effect of project implementation. Most of the estimated numbers exceed the actual number of passengers, resulting in errors in estimating greenhouse gas emissions. This study employed a direct demand ridership model (DDRM) to accurately predict MRT Purple Line ridership. The variables affecting the number of passengers were the population in the vicinity of stations, offices, and shopping malls, the number of bus lines that serve the area, and the length of the road. The DDRM accurately predicted the number of passengers within 10% of the observed change and, therefore, the project can help reduce greenhouse gas emissions by 1289 tCO₂ in 2023 and 2059 tCO₂ in 2030.

Climate change is an important factor that must be considered by designers of large infrastructure projects, with its effects anticipated throughout the infrastructure’s useful life. This paper discusses how engineers can address climate change adaptation in design holistically and sustainably. It offers a framework for adaptation in engineering design, focusing on risk evaluation over the entire life cycle. This approach avoids the extremes of inaction and designing for worst-case impacts that may not occur for several decades. The research reviews case studies and best practices from different parts of the world to demonstrate effective design solutions and adjustment measures that contribute to the sustainability and performance of infrastructure. The study highlights the need for interdisciplinary cooperation, sophisticated modeling approaches, and policy interventions for developing robust infrastructure systems.