I summarize the current regulatory decisions aimed at combating the debt load of the population in Russia. Further, I show that the level of delinquency of the population on loans is growing despite the regulatory measures taken. In my opinion, the basis of regulatory policy should move from de facto pushing personal bankruptcies to preventing them. I put forward a hypothesis and statistically prove the expediency of quantitative restrictions on one borrower. It is necessary to introduce reports to the credit bureaus of some types of overdue debts, which are not actually reported now. It is also necessary to change the order of debt repayment established by law, allowing the principal and current interest to be paid first, which will prevent the expansion of the debt.

Private states (also referred to as “micronations”) are unique cultural and creative products that involve political, economic, and cultural factors tied to individuals, groups, and specific social contexts. From ancient settlers establishing overseas colonies to modern digital virtual state projects, the forms and operational methods of private states have continuously evolved and innovated. The successful marketing of private states is often accompanied by the creation of narrative elements, such as their histories, constitutions, national flags, and coats of arms, constructing a grand narrative that attracts consumers, in line with the theory of monogatari consumption. As symbolic cultural products, these states not only possess material attributes but, more importantly, also embody cultural experiences and emotional value. Therefore, the significance of studying private states lies in elucidating how they present and operate their unique worldviews and cultural atmospheres to attract participation.

The Agriculture Trading Platform (ATP) represents a significant innovation in the realm of agricultural trade in Malaysia. This web-based platform is designed to address the prevalent inefficiencies and lack of transparency in the current agricultural trading environment. By centralizing real-time data on agricultural production, consumption, and pricing, ATP provides a comprehensive dashboard that facilitates data-driven decision-making for all stakeholders in the agricultural supply chain. The platform employs advanced deep learning algorithms, including Long Short-Term Memory (LSTM) networks and Convolutional Neural Networks (CNN), to forecast market trends and consumption patterns. These predictive capabilities enable producers to optimize their market strategies, negotiate better prices, and access broader markets, thereby enhancing the overall efficiency and transparency of agricultural trading in Malaysia. The ATP’s user-friendly interface and robust analytical tools have the potential to revolutionize the agricultural sector by empowering farmers, reducing reliance on intermediaries, and fostering a more equitable trading environment.

This study aims to identify factors related to the impact of social capital on happiness among multicultural families using the 2019 Community Health Survey, which represents the South Korean population. The study utilized data from the 2019 Korea Community Health Survey, and the study participants, aged 20 years or older, included 3524 members of multicultural families from a total of 229,099 adult households. The study found a significant difference in happiness scores across different age groups (t = 57.00, p < 0.01). Based on the median value of happiness, significant relationships were found with the independent variables: Physical Environment of Trust (t = −5.13, p < 0.001), Social Networks (t = −5.51, p < 0.001), and Social Participation (t = −5.47, p < 0.001). Happiness was found to have a positive correlation with the Physical Environment of Trust (r = 0.12, p < .001), Social Participation (r = 0.11, p < 0.001), and Social Network (r = 0.13, p ≤ 0.001). In contrast, Age (r = −0.13, p ≤ 0.001) and Stress (r = −0.14, p ≤ 0.001) showed negative correlations with happiness (r = 0.57, p < 0.001). The analysis identified a positive community physical environment (t = 3.85, p < 0.01), increased social networks (t = 4.27, p < 0.01), and higher social participation (t = 6.88, p < 0.01) as significant predictors of happiness. This model suggests that the explanation power is 15%, which is statistically significant (R² = 0.15, F = 57.72, p < 0.001). This study highlights the influence of social capital on the happiness of multicultural families living in Korea. Given the increasing number of multicultural families in the country, strategic interventions aimed at enhancing social networks and participation are necessary to promote their happiness.

Agriculture is a determining factor regarding the development of the Romanian economy, noting its importance for population consumption and as a supplier of raw materials for the relaunch of other industries. Agricultural financing consists of credits granted to natural or legal persons for developing agricultural activities, expanding agricultural holdings, and commercializing agricultural production. The objective of this research is the statistical analysis of the determining factors in granting loans to Romanian farms. The study is based on the content analysis of the accounting reports of the 45 Romanian farms included in the research sample, based on which the profile of the farmer from the selected counties (Alba, Cluj, Mures, Sibiu, Dambovita and Prahova) is outlined. The obtained results highlight the fact that factors such as the requested amount (SUSO) are directly influenced by the worked area (TELU), by the turnover (CIAF), R = 0.6228, but also by the total value of the assets (TOTAL) R = 0.454. At the opposite pole, there is a weak correlation between SUSO and current liquidity (LICU), R = 0.2754, and the value of recorded expenses (CHEL), R = 0.3102. Implementing a credit policy that facilitates access to financing sources would support farms in modernization and development, increasing their competitiveness and general viability.