Women’s financial literacy and financial inclusion have gained prominence in recent years. Despite progress, knowledge and access to finance remain common barriers for women, especially in emerging economies. Globally, domestic and economic violence has been recognized as a relevant social concern from a gender perspective. In this context, financial literacy and financial inclusion are considered to play a key role in reducing violence against women by empowering them with the necessary knowledge to manage their financial resources and make informed decisions. This study aims to evaluate the determinants that influence Peruvian female university students’ financial literacy and financial inclusion. To this end, a theoretical behavioral model is proposed, and a survey is applied to 427 female university students. The results are analyzed using a Partial Least Squares Structural Equation Model (PLS-SEM). The results validate all the proposed hypotheses and highlight significant relationships between financial literacy and women’s financial inclusion. A relevant relationship between financial attitude and financial behavior is also observed, as well as the influence of financial behavior and financial self-efficacy on financial literacy. The results also reveal that women feel capable of making important financial decisions for themselves and consider that financial literacy could help reduce gender-based violence. Based on these findings, theoretical and practical implications are raised. It highlights the proposal of a theoretical model based on antecedents, statistically validated in a sample of women in Peru, which lays the foundation for understanding financial literacy and financial inclusion in the Latin American region.

This study investigates non-academic employees’ perceptions of their line managers’ leadership styles at a private university in Malaysia and how these perceptions influence their intention to remain employed. Employing a qualitative approach and the path-goal theory as a theoretical framework, data were collected through purposive sampling from 10 non-academic employees and analyzed thematically using NVivo 12 software. The findings reveal that a supportive and participative leadership style fosters an informal leadership dynamic between line managers and subordinates. Informal leadership behaviors encompass affective qualities and effective communication that enable the development of close relationships outside the workplace, facilitating increased employee engagement and motivation levels. Consequently, this approach notably improves employee retention. This study offers a comprehensive understanding of informal leadership styles contributing to enhanced human resource management at the private university while providing an inclusive perspective on employees’ perceptions and their intention to remain employed. Finally, we propose a model of employees’ perception of leadership styles as the main driver that better serves their intention to stay in organizations.

The root of the problem in this research is the fact that scientific writing with a national reputation is still low and the publication of scientific writing with a national reputation is also low, thus affecting the quality of lecturers at the University. To overcome this problem, this research developed a training management model that can improve the scientific writing skills of lecturers and familiarize lecturers to actively conduct nationally reputable scientific writing. The training management model in question is called the “National Reputable Scientific Writing Training Management” model. This type of research is development research or R&D to produce a valid, practical, and effective model, as well as all devices and research instruments related to the application of the model at the University. The results showed that: (1) the National Reputable Scientific Writing Training Management model is suitable for improving the scientific writing ability of lecturers; (2) the output of the National Reputable Scientific Writing Training Management model in the model group is significantly higher than the initial group (pre-model); (3) The average value of IP/IO from experts is 4.4 with a high category, from observers at stage I test is 4.0 with a high category, at stage II test is 4.7 with a high category and stage III test is 4.77 with a high category, so it is concluded that the National Reputable Scientific Writing Training Management model meets the criteria of effectiveness, practicality and implementation; (4) The response of university managers and respondents to the implementation of the model is quite satisfactory, both regarding the concept of the model, the application in technical implementation and their perception of the National Reputable Scientific Writing Training Management model; and (5) the National Reputable Scientific Writing Training Management model can be developed as an alternative implementation in training management at the university.

The aim of this study was to analyze the perceived self and collective efficacy, individual and social norms and feelings related to environmental health concern among a sample of Pakistanis who are (or are not) engage in pro- environment behaviors in their daily lives. An ad hoc questionnaire with scales on pro-environmental behavior, self and collective efficacy, individual and social norms, and environmental health concerns was administered to adults in Lahore, Pakistan, and 833 respondents (62% males and 38% females) responded. Analysis of our research data shows that among those who engaged in daily pro-environmental behaviors, perceptions of individual and social norms and individual and collective efficacy were positively associated with concern for the environment and health. This study offers some interesting ideas that could be useful in developing federal, regional, local and community policies to promote daily pro-environmental behaviors. For example, in addition to advocating for environmental health and reducing one’s ecological footprint, social communication could explain that caring about environmental health (and thus adopting daily pro-environmental behaviors) is a way to manage one’s mental health. In this way, circular behavior is encouraged, which not only benefits the environment and the community, but also brings personal benefits.

This study aims to examine the impact of open innovation and disruptive innovation on the financial performance of SMEs in the tourism sector in Tanjungpinang City, Indonesia. A quantitative research method was employed, utilizing a sample of 273 SMEs in the tourism sector. Data were collected through surveys and analyzed using regression and ANOVA techniques to understand the relationships between innovation, digitalization, and financial performance. The analysis revealed that both open and disruptive innovation significantly influence the financial performance of SMEs. The study found that innovation and digitalization explain approximately 79.6% of the financial performance variance in the tourism sector. The findings suggest that SMEs that adopt innovative practices and digitalization are more likely to achieve better financial outcomes, such as increased profitability and market share. Open and disruptive innovations are critical drivers of financial success for SMEs in the tourism sector. SMEs should focus on leveraging internal and external knowledge and adapting to technological changes to enhance their competitive advantage. Policymakers should create supportive environments that foster innovation and digitalization among SMEs. This could include providing access to technological resources, training programs, and incentives for innovative practices.

This paper aims to understand the local authorities’ reaction to green environment activities towards clean cities in Malaysia and how they respond to cleanliness awareness among the community. Four (4) cities, such as Melaka, Ipoh, and Muar dan Kuala Terengganu, were selected, and this study embarks on a qualitative research approach involving a semi-structured interview with top personnel from four local authorities. From the reaction point of view, some local authorities reacted positively towards the green environment and cleanliness of the city. Four (4) themes have been produced, such as awareness, which focuses on the daily routine of local authorities. Secondly, enforcement from the local government, with some warning and advice, really contributes to the changes in society’s attitude. Thirdly, support by local authority efforts, including awareness campaigns from electronic and printed media, does have a good impact. Lastly, active involvement from the local authorities regulated many communities in residential areas and had direct links with local communities and NGOs that annually organized green program activities. This study urged the Local Government Act 1976, which the local authorities are responsible for the enforcement activities such as the 3Rs (Reduce, Reuse, Recycle) activities and so on. Local authorities, state governments, and local communities should also help monitor and maintain environmental issues towards a clean city in Malaysia.