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.

The Indonesian government is currently carrying out massive infrastructure development, with a budget exceeding 10. Risk mapping based on good risk management is crucial for stakeholders in organizing construction projects. Projects financed by government, whether solicited or unsolicited schemes, should also include risk mapping to add value and foster partnerships. Therefore, this study aimed to develop a risk management model for solicited and unsolicited projects, focusing on the collaborative management system among stakeholders in government-financed projects. Risk review was conducted from various stakeholders’ perspectives, examining the impacts and potential losses to manage uncertainty and reduce losses for relevant parties. Furthermore, qualitative analysis was conducted using Focus Group Discussion (FGD) and in-depth interviews. The results showed that partnering-based risk management with risk sharing in solicited and unsolicited projects had similarities with Integrated Project Delivery (IPD). This approach provided benefits and value by developing various innovations in the project life cycle.

Personality traits refer to enduring patterns of emotions, behaviors, and thoughts that shape an individual’s distinct character, influencing how they perceive and engage with their environment. This quantitative study aims to underscore the influence of personal factors and the role of educational institutions in mapping sustainable green entrepreneurial intentions among university students in Saudia Arabia. To examine the impact of personality traits and entrepreneurship education on students’ green initiatives, the research employs a quantitative research method, collecting data through a structured questionnaire survey from 494 participants who enrolled in the entrepreneurship education at King Faisal University. Structural equation modeling via SmartPLS 3 is employed for data analysis. The study reveals significant associations between the need for achievement, proactiveness, risk-aversion, self-efficacy, and entrepreneurship education with green entrepreneurial intentions. Our research findings demonstrate that the inclusion of entrepreneurship education in the curriculum has a noteworthy and favorable influence on the intention to engage in green entrepreneurship (β = −0.105, t = 3.270, p < 0.001). Additionally, it is worth noting that the desire for achievement remains significantly associated with the intention to engage in green entrepreneurship (β = 0.120, t = 3.588, p < 0.000). Furthermore, the proactive behavior of individuals has a positive and constructive impact on the intention to engage in green entrepreneurship (β = 0.207, t = 4.272, p < 0.000). Similarly, the inclination to avoid risk is found to have a beneficial and significant influence on the intention to engage in green entrepreneurship (β = 0.336, t = 4.594, p < 0.000). Lastly, it is worth highlighting that individuals’ belief in their own abilities, referred to as self-efficacy, is positively and significantly linked to the intention to engage in green entrepreneurship (β = 0.182, t = 2.610, p < 0.009). The research carries social, economic, and academic implications by emphasizing the positive contribution of green entrepreneurs to the future. Practical recommendations for policymakers and decision-makers are provided.

Introduction/Main objectives: This study aims to test the influence of the application of the concept of value for money on regional government financial management at the quality level of regional development, which is determined by the level of foreign and domestic investment in local governments. Background problems: State the problem or economic/business phenomena studied in this paper and specify the research question(s) in one sentence. Novelty: This study has a research model that has yet to be widely carried out in Indonesia, namely, a moderated model regression analysis of the value concept for money on the quality of regional development with investment as a moderating variable. Research methods: This study uses data on financial performance, domestic and foreign investment levels, and human development index of 34 provincial governments from 2017 to 2021. This research data comes from the website of the Directorate General of Fiscal Balance, Ministry of Finance and the Central Bureau of Statistics. The data collected in this study is then analyzed using moderated regression analysis (MRA) with the SPSS ver 23.0 application. Findings/Results: The findings in the research show that the application of value for money ( economics, efficiency, and effectiveness ) from local government financial governance can influence the quality of regional development in Indonesia’s provinces in 2017–2021. In addition, the existence of foreign and domestic investment in the provincial government also strengthens the influence of value-for-money financial governance on the quality level of regional development in the provincial government. Conclusion: Based on existing research, local government financial management applies the concept that value for money needs to be increased to create optimal public services to improve the quality of human development in the regions. Regional governments are also expected to be able to encourage the level of capital investment both domestically and abroad to support the creation of development that can strengthen the quality of regional development in the regions.

This research analyzes the relationship between political stability, renewable energy utilization, economic progress, and tourism in Indonesia from 1990 to 2020. We employ advanced econometric techniques, including the Fourier Bootstrap Autoregressive Distributed Lag (ARDL) approach and Fourier Toda-Yamamoto causality testing, to ensure the robustness of our results while accounting for smooth structural changes in the data. The analysis uncovers a long-term equilibrium relationship between tourism and its fundamental determinants. Our research reveals significant positive impacts of political stability and renewable energy consumption on tourism in Indonesia. A stable political environment creates a favorable climate for tourism development, instilling confidence in both domestic and international tourists. Promoting renewable energy usage aligns with sustainable tourism practices, attracting environmentally conscious travelers. Furthermore, our findings demonstrate a bi-directional causal relationship between these variables over time. Changes in political stability, renewable energy consumption, and economic growth profoundly influence the tourism sector, while the growth of tourism itself can also stimulate economic development and foster political stability. Our findings underscore the need for environmentally sustainable and politically stable tourism policies. Indonesia’s tourism sector can grow sustainably with renewable energy and stability. Policymakers can develop strategies with tourism, political stability, renewable energy, and economic prosperity in mind.

Lifelong learning (LLL) is progressively recognized as a crucial component of personal and professional development, particularly for adult students. As a heavily populated developing country, China requires profound national education reform to support its economic development and maintain its competitive advantage on the global economic stage. The governmental policy endorses the execution of diverse forms of lifelong learning programs to bolster the national education reform. However, implementing such programs can be challenging for all the stakeholders of the programs, especially for adult students. The weaker foundational knowledge and insufficient online learning abilities of adult students particularly highlight the academic challenges they face. This study explores the academic challenges faced by adult learners in a Chinese vocational college’s LLL program. Focusing on ex-soldiers, unemployed individuals, migrant workers, and new professional farmers (aged 22–44), data were collected from 16 adult students via purposive sampling. Semi-structured interviews and document analysis revealed recurring thematic academic challenges. Additionally, the study found that adult student attributes (highest education level, age) significantly influenced the unique academic challenges they encountered. This research provides practical solutions to improve LLL programs and promote successful lifelong learning experiences for adult students.