This research paper aims to benchmark the characteristics of financial systems for 102 countries worldwide from the period of 2005 to 2017. The financial systems’ database encompasses four main dimensions, each consisting of several variables for every indicator: (a) financial depth, (b) financial efficiency, (c) financial access, and (d) financial stability. The objective is to closely analyse the different factors that contribute to the attractiveness of financial and economic systems globally. Furthermore, this paper employs a literature review and an empirical modelling and classification of financial systems worldwide to assess their attractiveness. The modelling process utilizes two statistical analysis methods: discriminant analysis (PCA) and neural analysis. By doing so, this research paper aims to identify the most appropriate measures to strengthen these systems and economies. The main conclusion of the research is to establish a ranking of the world’s best countries and also the validation of the hypothesis that macroeconomic conditions are the effective determinants of the classification dimensions of financial systems.

The economic viability of a photovoltaic (PV) installation depends on regulations regarding administrative, technical and economic conditions associated with self-consumption and the sale of surplus production. Royal Decree (RD) 244/2019 is the Spanish legislation of reference for this case study, in which we analyse and compare PV installation offers by key suppliers. The proposals are not optimal in RD 244/2019 terms and appear not to fully contemplate power generation losses and seem to shift a representative percentage of consumption to the production period. In our case study of a residential dwelling, the best option corresponds to a 5 kWp installation with surplus sale to the market, with a payback period of 18 years and CO₂ emission reductions of 1026 kg/year. Demand-side management offers a potential improvement of 6%–21.8%. Based on the increase in electricity prices since 2020, the best option offers savings of up to €1507.74 and amortization in 4.24 years. Considering costs and savings, sale to the market could be considered as the only feasible regulatory mechanism for managing surpluses, accompanied by measures to facilitate administrative procedures and guarantees for end users.

This paper proposes an incentive model to involve communities and industries in effectively managing coastal waste in Makassar, Indonesia. The model seeks to incentivize stakeholders to invest in waste management solutions and enable public stakeholders to monitor and evaluate the progress of waste management activities. The model actively encourages participation from all stakeholders and builds upon existing efforts to promote environmental accountability. The proposed model includes several key components. It focused on public and private partnerships that should be fostered to coordinate stakeholder approaches and provide capital investment. It also focused on a financial reward scheme that should be adopted to incentivize businesses and individuals that invest in waste management initiatives. Performance bonus awards and tax incentives are proposed as possible incentive schemes. Lastly, a regulatory framework should be developed to ensure environmental standards are met and regulated. The framework should include regular reporting and auditing requirements and the implementation of penalties for those who fail to comply. The proposed incentive model seeks to engage stakeholders in effectively managing coastal waste in Makassar, Indonesia, through public and private incentive schemes.

During the early spring in the woodlands of eastern North America, Phlox drummondii emerges as a perennial plant adorned with a profusion of blooms in shades of blue, purple, pink, or white. Its evergreen nature adds to its charm. To manage the growth of plants or specific plant parts, plant growth regulators (PGRs) are synthesized and employed, serving as valuable tools for controlling and directing the development of various plant species. A diverse range of ornamental plants, such as Phlox drummondii, have been documented to receive exogenous applications of plant growth regulators (PGRs). Among these regulators, gibberellins (GA) play a vital role by delaying senescence in flowers and promoting the breaking of dormancy in seeds, bulbs, and corms of ornamental plants. The experiment aimed to assess the performance and determine the optimal growth medium for Phlox. Five distinct growth media were employed as treatments during the study, which took place in the Horticulture Department of Gomal University. Collected data underwent analysis through ANOVA and Tuckey HSD tests. The study’s findings revealed that the highest plant height (16 cm) was observed in the control treatment with PGR 1, closely followed by PGR 2 (11.5 cm). The treatment labeled as T5, composed of a mixture of 1/3 sand, 1/3 poultry manure, and 1/3 soil, demonstrated the most favorable results across multiple parameters such as bud initiation (BI), first flower emergence (FFE), flowers per plant (FPP), branches per plant (BPP), leaves per plant (LPP), number of roots (NR), field life of flowers (FLF), and flower diameter (FD). T4, T3, T2, and T1 treatments also exhibited similar positive outcomes, aligning with the promising performance of T5.

Governments intervene in the housing market via implementing various monetary, fiscal, foreign exchange and credit policies. By this, the housing market undergoes cycles of boom and bust as well as significant swings in value added and housing prices. Therefore, the main goal of this research is to consider the effect of the government’s change on the monetary and financial policy’s impact on the business cycles of the housing sector during the period of 1978–2020. On the other hand, we estimate the impact of monetary and fiscal policies on housing business cycles concerning government’s change. To calculate housing business cycles (boom and busts), the housing value added were initially de-trended using the Hodrick–Prescott filter. This paper takes a novel use of the threshold regression model with government’s change as threshold variable. According to the study’s findings, there are three threshold effects (two threshold levels or three regimes) of monetary and fiscal policy on housing business cycles. For instance, the money supply coefficient in the first regime was −1.68, indicating that the effect of monetary policy in this regime is countercyclical. in the second and third regimes, it was 0.19 and 0.03, respectively; indicating its alignment with the housing business cycle. Regarding the estimated models, we may derive several interesting conclusions. In first regime, the money supply is countercyclical and government expenditure is pro-cyclical. This means that monetary policy exacerbates recession and fiscal policy weakens it. in the second and third regimes, the money supply is pro-cyclical and government expenditure is countercyclical. As a result, while formulating their monetary policies, governments should give the housing sector more consideration. Additionally, when putting this policy into practice, the housing sector has to be carefully examined.

Introduction: Growth, yield and quality of okra (Abelmoschus esculentus (L.) Moench) are related to fertilizer application, being nitrogen (N) the most outstanding, due to its direct relationship with photosynthesis and vegetative growth of the plant. Objective: The objective was to evaluate the agronomic and productivity characteristics of okra as a function of N dose. Materials and methods: The study was conducted at the experimental area of Campus Gurupi, the Universidad Federal de Tocantins (UFT), Brazil, in two planting periods (autumn/winter and spring/summer). The experimental design used was randomized block design (RBD) with six treatments (50, 100, 150, 150, 200 and 250 kg N ha^-1) and four replications. Urea was used as a source of N. The characteristics evaluated were: productivity, average fruit mass, height and plant chlorophyll index. Results: Productivity and plant height were superior in the fall/winter crop. Mean fruit mass and chlorophyll index were not influenced by planting time. For productivity, a linear response was obtained with increasing dose up to the limit of the N dose used (250 kg ha^-1), with a mean value higher than 14 t of fruit. Mean mass and plant height responded linearly to increasing N dose. Nitrogen affected the chlorophyll index, with maximum values of 45.96 and 47.19, observed in the two evaluation periods. Conclusion: Planting time and N content in the soil interacted with plant height, being favorable in the period without precipitation. N influenced all the characteristics, demonstrating the importance of nitrogen fertilization in the development of okra plants.