Background: People who are financially literate are able to make sound decisions regarding their money since they have a firm grasp of the fundamentals of money and financial products. The significance of financial literacy has been acknowledged by numerous nations, prompting the formation of task teams to assess their populations and develop educational and outreach programs. The requirement to make educated decisions about ever-increasing financial goods necessitates a higher level of financial literacy. Aim: Being able to make sense of one’s personal financial situation is becoming an increasingly valuable skill in today’s world. One of the most essential components for making sure and successful decisions is having a good grip on one’s financial status. By contrast, financial literacy refers to an individual’s level of knowledge and awareness regarding financial matters, whereas investors’ decision-making is characterised by their understanding, prediction, investigation, and assessment of the various stages and transactions involved in making an investment decision. Risk, a decision-making framework and process, and investing itself are all components of investing. Method: Researchers will conduct a cross-sectional survey of Saudi Arabian investors. We used a structured questionnaire to gather data. Using “Cronbach’s a and confirmatory factors” analysis, we checked whether the data is reliable. The links between financial literacy and investment decisions was demonstrated using structural equation modeling (SEM) in IBM-SPSS and SmartPLS. Purpose: The purpose of this research is to look at how the investment choices of Saudi Arabians are correlated with their degree of financial literacy. Consequently, research on the connection between financial literacy, knowledge, behaviour, and investment choices is lacking. Researchers on this subject have already acknowledged the problem’s importance and intended to devote substantial time and energy to solving it. Findings: The study concluded that there was a significant relationship between financial literacy and financial knowledge with respect of investment decision of investors. Similarly, there was a significant relationship between financial behaviour and financial knowledge with respect of investment decision of investors. The discovery of the outcomes will enable regulatory authorities to aid investors in preventing financial losses by furnishing them with sufficient financial information.

This research explores the critical influence of corporate culture on small and medium-sized enterprises’ (SMEs) crisis response abilities under varied cross-cultural environments. Amid the disruptive backdrop of the COVID-19 pandemic, SMEs globally have faced unprecedented challenges. This study addresses a gap in the existing literature by conducting a cross-cultural analysis of SMEs in China, Thailand, and Germany to understand how corporate culture affects crisis management. Utilizing a competitive cultural value model, the research categorizes corporate culture into four dimensions: group culture, development culture, hierarchy culture, and rational culture. These cultural dimensions are investigated in relation to their impact on crisis response abilities. Additionally, national cultural dimensions such as individualism and uncertainty avoidance are examined as moderating variables. The findings reveal that group and development cultures positively influence crisis response abilities, enhancing organizational resilience and adaptability. Conversely, hierarchy culture negatively affects crisis management, hindering flexible response strategies. Rational culture supports structured crisis response through goal-oriented practices. National culture significantly moderates these relationships, with individualism and high uncertainty avoidance impacting the effectiveness of organizational cultural dimensions in crisis scenarios. This study offers theoretical advancements by integrating cultural dimensions with crisis response strategies and provides practical implications for SMEs striving to enhance their resilience and adaptability in a globalized business environment.

This study provides empirical data on the impact of generative AI in education, with special emphasis on sustainable development goals (SDGs). By conducting a thorough analysis of the relationship between generative AI technologies and educational outcomes, this research fills a critical gap in the literature. The insights offered are valuable for policymakers seeking to leverage new educational technologies to support sustainable development. Using Smart-PLS4, five hypotheses derived from the research questions were tested based on data collected from an E-Questionnaire distributed to academic faculty members and education managers. Of the 311 valid responses, the measurement model assessment confirmed the validity and reliability of the data, while the structural model assessment validated the hypotheses. The study’s findings reveal that New Approaches to Learning Outcome Assessment (NALOA) significantly contribute to achieving SDGs, with a path coefficient of 0.477 (p < 0.001). Similarly, the Use of Generative AI Technologies (UGAIT) has a notable positive impact on SDGs, with a value of 0.221 (p < 0.001). A Paradigm Shift in Education and Educational Process Organization (PSEPQ) also demonstrates a significant, though smaller, effect on SDGs with a coefficient of 0.142 (p = 0.008). However, the Opportunities and Risks of Generative AI in Education (ORGIE) study did not find statistically significant evidence of an impact on SDGs (p = 0.390). These findings highlight the potential opportunities and challenges of using generative AI technologies in education and underscore their key role in advancing sustainable development goals. The study also offers a strategic roadmap for educational institutions, particularly in Oman to harness AI technology in support of sustainable development objectives.

The contraction of manufacturing economic activity in Latin American countries has been affected by the health crisis in the last few years. This phenomenon has negatively impacted the Latin American countries’ economies. In order to evaluate the impact of the manufacturing economy, this research integrates the impact of Foreign Direct Investment (FDI) on the growth of the Ecuadorian manufacturing sector, from 1981 to 2019, considering the role of the state through public spending using cointegration. The results are not consistent considering the empirical framework used; thus, FDI has a negative and significant influence on the manufacturing sector. Also, the manufacturing sector has a strong relationship with FDI in the short run and a less significant one in the long run. The results presented in this research suggest promoting domestic and FDI in the manufacturing sector, not only towards overexploited and monopolized sectors such as mining and telecommunications.

Freshwater problems in coastal areas include the process of salt intrusion which occurs due to decreasing groundwater levels below sea level which can cause an increase in salt levels in groundwater so that the water cannot be used for water purposes, human consumption and agricultural needs. The main objective of this research is to implementation of RWH to fulfill clean water needs in tropical coastal area in Tanah Merah Village, Indragiri Hilir Regency, with the aim of providing clean water to coastal communities. The approach method used based on fuzzy logic (FL). The model input data includes the effective area of the house’s roof, annual rainfall, roof runoff coefficient, and water consumption based on the number of families. The BWS III Sumatera provided the rainfall data for this research, which was collected from the Keritang rainfall monitoring station during 2015 and 2021. The research findings show that FL based on household scale RWH technology is used to supply clean water in tropical coastal areas that the largest rainwater contribution for the 144 m² house type for the number of residents in a house of four people with a tank capacity of 29 m² is 99.45%.

This study examines the challenges and needs faced by non-profit organisations (NPOs) in Colombia regarding the adopting of the International Financial Reporting Standards (IFRS) for small and medium enterprises (SMEs), particularly focusing on sections 3 and 4. Employing a mixed-method approach, the research combines qualitative and quantitative methods. Surveys were conducted with Colombia NPOs, official documents were analysed, and comparative case studies were performed. In-depth interviews and participant observation were also utilised to gain a comprehensive understanding of the obstacles and current practices within the Colombian context. The findings reveal that NPOs in Colombia encounter significant difficulties in adopting IFRS due to the complexity of the standards, lack of specialised resources, and the need for specific training. Internal challenges such as deficiencies in staff qualifications and training, resistance to change, and technological limitations were identified. Externally, ambiguities in the legal framework and donor requirements were highlighted. The case study illustrated that, while there are similarities between IFRS for SMEs and the IFR4NPO project, specific adaptations are essential to address the unique needs of NPOs. This research underscores the necessity of developing additional guidelines or modifying existing ones to enhance the interpretation and application of IFRS in Colombia NPOs. It is recommended to implement proactive strategies based on education and legislative reform to improve the transparency and comparability of financial information. Adopting a more tailored and supported accounting framework will facilitate a more relevant and sustainable implementation, benefiting Colombian NPOs in their resource management and accountability efforts.