This paper investigates the impact of financial inclusion on financial stability in BRICS countries from 2004 to 2020. Using a panel smooth transition regression model, the results reveal a U-shaped relationship between financial inclusion and financial stability. Financial inclusion reduces financial stability up to a threshold of 44.7%. Beyond this point, financial inclusion contributes to greater financial stability, through gradual transitions. Enhanced financial inclusion supports banks in stabilizing their deposit funding by facilitating access to more stable, long-term funds and alleviating the negative impacts of fluctuations in returns. Furthermore, the study examines the role of institutional quality in shaping the financial inclusion-financial stability nexus, indicating a significant positive effect, especially in the upper regime. These findings provide valuable insights for financial regulatory authorities, highlighting the importance of promoting financial inclusion in BRICS economies and adapting regulations to mitigate potential risks to global financial stability.

This study examines the factors influencing e-government adoption in the Tangerang city government from 2010 to 2022. We gathered statistics from multiple sources to reduce joint source prejudice, resulting in a preliminary illustration of 1670 annotations from 333 regions or cities. These regions included major urban centers such as Jakarta, Surabaya, Bandung, Medan, Makassar, and Denpasar, as well as other significant municipalities across Indonesia. After removing anomalous values, we retained a final illustration of 1656 annotations. Results indicate that higher-quality digital infrastructure significantly boosts e-government adoption, underscoring the necessity for resilient digital platforms. Contrary to expectations, increased budget allocation for digital initiatives negatively correlates with adoption levels, suggesting the need for efficient spending policies. IT training for staff showed mixed results, highlighting the importance of identifying optimal training environments. The study also finds that policy adaptability and organizational complexity moderate the relationships between digital infrastructure, budget, IT training, and e-government adoption. These findings emphasize the importance of a holistic approach integrating technological, organizational, and policy aspects to enhance e-government implementation. The insights provided are valuable for policymakers and practitioners aiming to improve digital governance and service delivery. This study reveals the unexpected negative correlation between budget allocation and e-government adoption and introduces policy adaptability and organizational complexity as critical moderating factors, offering new insights for optimizing digital governance.

Fire hazard is often mapped as a static conditional probability of fire characteristics’ occurrence. We developed a dynamic product for operational risk management to forecast the probability of occurrence of fire radiative power in the locally possible near-maximum fire intensity range. We applied standard machine learning techniques to remotely sensed data. We used a block maxima approach to sample the most extreme fire radiative power (FRP) MODIS retrievals in free-burning fuels for each fire season between 2001 and 2020 and associated weather, fuel, and topography features in northwestern south America. We used the random forest algorithm for both classification and regression, implementing the backward stepwise repression procedure. We solved the classification problem predicting the probability of occurrence of near-maximum wildfire intensity with 75% recall out-of-sample in ten annual test sets running time series cross validation, and 77% recall and 85% ROC-AUC out-of-sample in a twenty-fold cross-validation to gauge a realistic expectation of model performance in production. We solved the regression problem predicting FRP with 86% r² in-sample, but out-of-sample performance was unsatisfactory. Our model predicts well fatal and near-fatal incidents reported in Peru and Colombia out-of-sample in mountainous areas and unimodal fire regimes, the signal decays in bimodal fire regimes.

This study investigates the performance assessment of methanol and water as working fluid in a solar-powered vapour absorption refrigeration system. This research clarifies the system’s performance across a spectrum of operating conditions. Furthermore, the HAP software was utilized to determine and scrutinize the cooling load, facilitating a comparative analysis between software-based results and theoretical calculations. To empirically substantiate the findings, this research investigates methanol-water as a superior refrigerant compared to traditional ammonia- water and LiBr-water systems. Through experimental analysis and its comparison with previous research, the methanol-water refrigeration system demonstrated higher cooling efficiency and better environmental compatibility. The system’s performance was evaluated under varying conditions, showing that methanol-water has a 1% higher coefficient of performance (COP) compared to ammonia-water systems, proving its superior effectiveness in solar-powered applications. This empirical model acts as a pivotal tool for understanding the dynamic relationship between methanol concentration (40%, 50%, 60%) and system performance. The results show that temperature of the evaporator (5–15 ℃), condenser (30 ℃–50 ℃), and absorber (25 ℃–50 ℃) are constant, the coefficient of performance (COP) increases with increase in generator temperature. Furthermore, increasing the evaporator temperature while keeping constant temperatures for the generator (70 ℃–100 ℃), condenser, and absorber improves the COP. The resulting data provides profound insights into optimizing refrigerant concentrations for improved efficiency.

This study explores approaches to optimizing inclusive education through international and local perspectives. It examines the role of educators in inclusive settings, highlights strategies for early detection of children’s developmental needs, and evaluates inclusive school management practices. Using qualitative case study methods, the research includes comprehensive observations and interviews at Fatma Kenanga Islamic Character School. Findings emphasize the importance of individualized learning plans, shadow teacher involvement, and collaborative stakeholder engagement. Integrating global insights, this study contributes to advancing inclusive education practices in Indonesia and beyond.