In this research, we employed multivariate statistical methods to investigate the perspectives of small and medium-sized enterprises (SMEs) concerning the Extended Producer Responsibility (EPR) regulation and their apprehensions related to EPR compliance. The EPR regulation, which places the responsibility of waste management on producers, has significant financial and administrative implications, particularly for SMEs. A sample of 114 businesses was randomly selected, and the collected data underwent comprehensive analysis. Our findings highlight that a notable proportion of businesses (44.7%) possess knowledge of the EPR regulation’s provisions, whereas only a marginal fraction (1.8%) lacks sufficient familiarity. We also explored the interplay between opinions on the EPR regulation and concerns regarding its financial and administrative implications. Our results establish a significant correlation between EPR regulation opinions and concerns, with adverse opinions prominently influencing concerns, particularly regarding financial burdens and administrative workloads. These outcomes, derived from the application of multivariate statistical techniques, provide valuable insights for enhancing the synergy between environmental regulations and business practices. EPR regulation significantly affects SMEs in terms of financial, administrative, and legal obligations, thus our study highlights that policymakers may need to consider additional support mechanisms to alleviate the regulatory burden on SMEs, fostering a more effective and sustainable implementation of the EPR regulation.

The ongoing dissemination of globalization and digitalization may suggest that personal relationships are becoming less crucial in the context of retail banking and financial services. In Hungary, in addition to private banking, which is associated with high income levels, personal banking also plays an important role. The objective of this study is to develop a model that can identify the factors that determine customer satisfaction and their relative importance. Furthermore, the aim is to incorporate gender and age as moderator variables to identify demographic differences in satisfaction. The analysis was conducted via a questionnaire survey in October to November 2023 employing a purposive sampling approach in a university environment, as the respondents are likely to possess the highest level of existing financial knowledge within this population. The 214 valid responses were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, with the objective of contributing to the development of theory in this field of study. The results demonstrate that perception (β = 0.519) and reliability (β = 0.253) collectively explained 51.8% of the variance in satisfaction. Moreover, the results indicate that perception accounts for 49.2% of the variance in reliability, suggesting the existence of an indirect effect on satisfaction. Therefore, the findings suggest that, despite the advent of digital banking, face to face service remains a pertinent concern in Hungary, and financial institutions should prioritize the factors that shape customer satisfaction. The study contributes to the literature and to the development of customer loyalty strategies for banks based on these findings.

This study, through the method of canonical correlation analysis, revealed significant correlations between various dimensions of learning attitudes of students and various dimensions of teacher knowledge. An analysis of data from a group of 221 high school students showed that teacher knowledge of teaching content, theoretical knowledge, and teaching practice and classroom management significantly impact learning attitudes of students. Specifically, teacher knowledge of teaching content plays a crucial role in promoting students' behavioral inclination to learn chemistry, teachers' theoretical knowledge significantly enhances students' liking for chemistry laboratory courses, while teachers' teaching practice and classroom management have a suppressive effect on students' evaluative beliefs about school chemistry. The results of this study provide effective guidance for both the theory and practice of high school chemistry education.

Using individual- and panel country-level data from 118 countries for the period 1981–2020, this study investigates the effects of national- and individual-level economic and environmental factors on subjective well-being (SWB). Two individual SWB indicators are selected: the feeling of happiness and life satisfaction. Additionally, two environmental factors are also considered: CO2 emissions by country level and personal perspective on environmental protection. The ordered probit estimation results show that CO2 emissions have a significant negative effect on SWB, and a higher perspective on environmental protection has a significant and positive effect. Compared with the average marginal effect of national income, CO2 emissions are a more important determinant of SWB when considering a personal perspective on protecting the environment. The estimation results are robust to various estimation model specifications: inclusion of additional air pollutants (CH4 and N2O), PM 2.5 and various sample groupings. This study makes a novel contribution by providing comprehensive insights into how both individual environmental attitudes and national pollution levels jointly influence subjective well-being.

This study examines how the framing of organizational gender-equity policies shapes support among Generation Z employees. Drawing on performativity (Butler, 1990) and intersectionality (Crenshaw, 1991), we conceptualize framing as mediating how Gen Z employees perceive equity initiatives. Using a mixed-methods design, we combine survey data from 4,861 Gen Z respondents in 30 countries with directed content analysis of four HR policy documents (coded for equity vs enforcement, identity recognition, and youth engagement). Results reveal a gender gap: Gen Z women strongly endorse inclusive equity measures, consistent with evidence that women show stronger support for equality policies, whereas Gen Z men are more skeptical of policies framed as exclusive or punitive – mirroring polls finding many Gen Z men say equality efforts have gone too far. These findings suggest that performative policy framing activates social identities differently by gender and that intersectional policy language affects reception. Practically, we recommend framing equity initiatives in terms of shared fairness and collective benefit, using transparent rationale and inclusive identity language. Gen Zers expect fair pay, inclusive policies, and transparency, so HR communications should emphasize fairness and allyship to enhance legitimacy and support among this cohort.

This study examines the influence of internal and external locus of control as mediators of financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. This study uses a quantitative approach with a survey method to collect sample data from students throughout Timor-Leste. Structural equation modeling (SEM) analyzes the relationship between financial literacy, financial attitudes, financial beliefs, internal and external locus of control, and financial behavior. The study’s results highlight the mediating role of internal and external locus of control in the relationship between financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. These findings can provide insight into the complex relationship between these factors in financial decision-making. Practical implications for educational institutions and policymakers in Timor-Leste, namely emphasizing the importance of considering internal and external locus control in financial literacy programs to improve students’ financial behavior. This study aims to fill the knowledge gap about student financial literacy by expanding the understanding of the relationship between these factors.