Low levels of financial literacy cause people to have lower savings rates, higher transaction costs, larger debts and the loans acquisition with higher interest rates, therefore it becomes relevant to analyze the determinants of financial literacy. The aim of this research is to identify whether there is an association between the financial literacy level and sociodemographic characteristics. The Mexican Petroleum Company (Pemex) employees is the population analyzed. Pemex is the state-owned oil and natural gas producer, transporter, refiner and marketer in Mexico. A non-probabilistic convenience sampling was performed and 404 responses were obtained. The analysis of data was carried out with the Bayesian method. The results show that there is an association between Pemex employees’ level of financial literacy and their level of education, income, age and type of retirement saving. No association was found between their level of financial literacy and gender, marital status and whether or not they have children.

Objective/Aim: In the context of a constantly changing legislative environment and the necessity for professionals to develop their skills, the research focuses on identifying effective methods and tools that facilitate efficient learning and professional development in the field of labour law. This study aimed to propose a pedagogical technology for the preparation and training of specialists in the field of labour law and to assess the effectiveness of the training based on the specified technology. Method: The study involved 124 participants, with 63 in the experimental group and 61 in the control group. Statistical analysis was performed using Microsoft Excel. The student’s t-test indicated significant improvements in the experimental group’s training effectiveness, confirming the proposed pedagogical technology’s efficacy. Results: Consequently, implementing training and education technology for specialists in the labour law field was proposed to enhance the indicators. The criteria for the preparation of specialists in the field of labour law were delineated, including knowledge of labour legislation, consulting and support skills, analytical skills, communication skills, and continuous learning. According to the criteria above, levels of preparation for specialists in the field of labour law were established, namely high, medium, and essential. The proposed training and education technology for specialists in the field of labour encompasses the following tools: The utilisation of online platforms and educational resources, virtual classes and simulations, the incorporation of multimedia materials, the integration of adaptive learning technologies, the implementation of project- and problem-oriented teaching methodologies, the incorporation of interactive methodologies, the incorporation of cloud technologies and mobile applications, and the provision of assessment and feedback. Conclusion: The proposed pedagogical technology effectively enhances the training and education of labour law specialists. The experimental group’s significant improvement in learning outcomes confirms the technology’s efficacy. Implication: The findings of this research hold significant social implications. Improved training and education of labour law specialists leads to a more competent and effective legal workforce. This, in turn, ensures better protection of workers’ rights and fairer employer-employee relations, contributing to overall social stability.

This paper highlights the complex relationship between entrepreneurship, sustainable development, and economic growth in 41 European countries, using a reliable K-Means cluster analysis. The research thoroughly evaluates three key factors: the SDG Index for sustainable development, GDP per capita for economic well-being, and the New Business Density Rate for entrepreneurial activity. Our methodology reveals three distinct narratives that embody varying degrees of economic vitality and sustainability. Cluster 1 comprises the financially stable and sustainability-oriented countries of Western and Northern Europe. Cluster 2 showcases the variegated economic and sustainability initiatives in Central and Southern Europe. Cluster 3 envelopes the economic titans with noteworthy business expansion but with the potential for better sustainable practices. The analysis reveals a favourable association between economic prosperity and sustainable development within clusters, although with nonlinear intricacies. The research concludes with a series of strategic imperatives specifically crafted for each cluster, promoting economic variation, increased sustainability, invention, and worldwide collaboration. The resulting findings highlight the crucial need for policy-making that considers the specific context and the potential for combined European resilience and sustainability.

This multiple case study qualitative research examined the impact of adoption and diffusion of innovation on Small and Medium Enterprises (SME’s) growth in the hostile business landscape of Khyber-Pakhtunkhwa, Pakistan. This research is intended to investigate research data and consequent findings based on an interview protocol that was purposefully developed from extant literature, complemented by an initial pilot study of two pharmaceutical SMEs. The researcher conducted 20 interviews, guided by the semi-structured interview protocol offered to the respondents beforehand after sorting their informed consent. The 20 participants represented the different hierarchal levels of the 08 case study of pharmaceutical from the two industrial clusters of Khyber Pakhtunkhwa, Pakistan, located at the Hayatabad Industrial Estate, Peshawar, and the Rashkai Industrial Estate, Nowshera. The analysis of the data presented findings and corroborated the research propositions that those SMEs that are structurally entrepreneurial and adopt innovation amenably, are open to mobility and tourism, yield satisfactory results in terms of their growth as compared to those that are inertial and unentrepreneurial. Similarly, the results offer confirmation that the effectiveness of government agencies that are explicitly formed to address the problems of small businesses is insufficient. They rather create hindrances than assistance due to the excessive delays in approving innovative ideas and conceptions by these related organizations and ministries. Moreover, the proposed framework offers pragmatic recommendations to contextualize entrepreneurial culture and innovative structures in SMEs and their essential factors in critical environmental circumstances.

Renewable energy is gaining momentum in developing countries as an alternative to non-renewable sources, with rooftop solar power systems emerging as a noteworthy option. These systems have been implemented across various provinces and cities in Vietnam, accompanied by government policies aimed at fostering their adoption. This study, conducted in Ho Chi Minh City, Vietnam investigates the factors influencing the utilization of rooftop solar power systems by 309 individuals. The research findings, analyzed through the Partial least squares structural equation modeling (PLS-SEM) model, reveal that policies encouragement and support, strategic investment costs, product knowledge and experience, perceived benefits assessment, and environmental attitudes collectively serve as predictors for the decision to use rooftop solar power systems. Furthermore, the study delves into mediating and moderating effects between variables within the model. This research not only addresses a knowledge gap but also furnishes policymakers with evidence to chart new directions for encouraging the widespread adoption of solar power systems.

The 19th century proved to be one of the most complicated periods in Spanish history for the Spanish Crown, as it faced both internal conflicts—the French War of Independence—and external conflict—the independence of what were its territories in most of America. France did not remain indifferent to this and always had a clear idea of where to draw the boundaries of what “belonged” to it. Thus, amid the wave of independence movements in the Spanish colonies, the French continued to produce rich cartography to establish these boundaries and settle their power over the new nations that were arising after the period of revolutions. The cartography of Rigobert Bonne, the last cartographer of the French king and the Revolution Era, and one of its disciples, Eustache Hérisson, represent the perfect witness to the changes over the borders of the Spanish colonies during the change of the century. This study aims to analyze such cartography, examine the rich toponyms it offers, and examine the changes in the boundaries created over time between both empires. The main cartography we will rely on will be that of Bonne, one of the most important cartographers of the 18th century, and his disciple Hérisson, a geographer engineer, who lived through the onset of the conflicts and always prioritized the French perspective and the interests of their nation.