Financial literacy and financial intermediation are vital tools for all businesses, particularly women micro-entrepreneurs. Even with modest means, they have been shown to considerably contribute to economic independence at the family, national, and international levels. Since Indonesian women microentrepreneurs still have trouble getting bank loans (being unbanked), the majority of them join cooperatives. Cooperatives are without doubt the financial intermediation institutions of choice for micro-communities; nonetheless, research on the subject is still scarce, particularly in developing nations. In order to bridge this gap, this study looks at the role of cooperatives as financial intermediation organizations. Examining the impact of financial literacy through cooperative financial intermediation on the financial performance of Indonesian women microentrepreneurs is the main goal of the study. The cross-sectional data were identified using purposive approaches and processed with the use of Smart PLS as part of an explanatory research approach. The direct influence test results demonstrate that enhancing financial performance and financial intermediation are directly impacted by financial literacy. Additionally, financial intermediation (cooperatives) was successful in influencing the impact of financial literacy on the financial performance of micro-entrepreneurs in Indonesia, according to the findings of the mediation effect test.

This paper concerns a miniature gasifier fed with a constant ambient-pressure flow of air to study the pyrolysis and subsequent combustion stage of a single wood pellet at T = 800 ℃. The alkali release and the concentration of simple gases were recorded simultaneously using an improved alkali surface ionisation detector and a mass spectrometer in time steps of 1 s and 1.2 s, respectively. It showed alkali release during both stages. During combustion, the MS data showed almost complete oxidation of the charred pellet to CO₂. The derived alkali release, “O₂ consumed”, and “CO₂ produced” conversion rates all indicated very similar temporal growth and coalescence features with respect to the varying char pore surface area underlying the original random pore model of Bhatia and Perlmutter. But, also large, rapid signal accelerations near the end and marked peak-tails with O₂ and CO₂ after that, but not with the alkali release data. The latter features appear indicative of alkali–deprived char attributable to the preceding pyrolysis with flowing air. Except for the peak-tails, all other features were reproduced well with the modified model equations of Struis et al. and the parameter values resembled closely those reported for fir charcoal gasified with CO₂ at T = 800 ℃.

Over the past few years, there has been a consistent rise in the popularity of bodybuilding. This study did a bibliometric analysis to offer a systematic overview and facilitate researchers in obtaining comprehensive insights on the peculiarities of bodybuilding research. This study utilized the bibliometric analysis program Bibliometrix to identify 940 papers on bodybuilding from the Web of Science database. The publications were selected from the years 1976 to 2024 and were used for the analysis. This study provides a thorough and detailed analysis of bodybuilding research using visual representations. It includes information on the frequency of publications, the nations that have had the most impact on bodybuilding research (including institutions, sources, and authors), and notable areas of focus within the field. Furthermore, the research collaboration among nations (regions), organizations, and authors is depicted based on a set of collaboration studies. The bibliometric study of current literature offers useful and groundbreaking sources for academics and practitioners in the field of bodybuilding-related studies.

This research paper explores the influence of first-order chemical reactions on the sustainable properties of electrically conducting magnetohydrodynamic (MHD) fluids in a vertical channel with the unique characteristics of Jeffrey fluid flow. The mathematical model of MHD flow with Jeffrey fluid and chemical reaction incorporates the impacts of viscous dissipation, Joule heating, and a non-Newtonian fluid model with viscoelastic properties in the flow regions. The governing equations of the flow field were solved using the finite difference method, and the impacts of flow parameters on the flow characteristics were discussed numerically using a graphical representation. It’s revealed that increasing the Jeffrey parameter results in a decline in the velocity field profiles. Also, species concentration field profiles decline with higher values of the destruction chemical reaction parameter. The findings of this study have significant implications for various engineering applications, including energy generation, aerospace engineering, and material processing. Additionally, the inclusion of Jeffrey’s fluid flow introduces a viscoelastic component, enhancing the complexity of the fluid dynamics.

Climate change has adverse effects on ecosystems and several socio-economic sectors including health. Indeed, infrastructure, continuity of medical services, and the hospital environment are all directly affected by the effects of climate-related risks. This study aims to describe the observations of the effects of climate change risks on health systems in the Greater Lomé health region of Togo. We used an interview guide and a questionnaire to collect information. The observations allowed us to assess the effects caused by climate risks. According to the results, 84.62% of respondents attest that health centers experience flooding during rainy periods and damage caused by strong winds is noticeable among 76.92% of respondents. More than 25.40% and 61.86% respectively of respondents mention that droughts and floods have effects on health systems. The results of this study will allow health system managers to become aware of how to plan useful actions to facilitate the management of climate-related risks in health facilities in the Greater Lomé health region. In view of all these results, it is necessary that measures be taken to strengthen the resilience of health systems through awareness campaigns and training of actors throughout the health pyramid.

The sustainability of the creative industry through creative-based tourism in the Laweyan Tourism Village requires the support of a sustainable and inclusive development model for local communities. This research aims to present the design of a tourist village development model that applies the eco-cultural city concept as a Surakarta City Perspective through creative-based tourism towards creative industries. This research uses a qualitative approach with a descriptive exploratory method. Data collection techniques use interviews with key informants. Empirical observation using cultural mapping as identification of physical mapping of spatial layout, build ings and environment, as well as cultural landscapes for tangible and intangible cultural assets of the community in the local landscape in the Laweyan tourist village. Content analysis is applied as a research data analysis method. The research results provide an overview of the design of the creative-based tourism village development model towards a sustainable creative industry including aspects attraction, accessibility, amenities, and ancillary, and green tourism. Model design requires commitment and participation from the government and private sector in collaborating with sustainable tourist village development forums.