The Hungarian tourism and hospitality industry has faced serious challenges in recent years. The tourism and hospitality sector has been confronted with severe challenges in recent years. Even after the end of the pandemic, the industry has not seen the expected recovery, as rising inflation, declining discretionary income and a lack of foreign tourists have further hampered the industry. The hotel market in Budapest in particular has been significantly affected by these developments. Despite the difficulties, investors continue to see opportunities in the market. One example is the purchase by a group of real estate investors of an under-utilised leisure centre in District VII, which they intend to convert into a hotel. Our study is part of this project and its primary objective is to define the parameters of the future hotel and analyse the market opportunities and challenges. Our research focuses on the hotel market in Budapest and uses methods such as benchmarking, STEEP and SWOT analyses, as well as four in-depth interviews with key players in the market. The benchmarking examined the operations of hotels in the capital, while the in-depth interviews provided practical experience and insider perspectives. On the basis of the interviews and analyses, the study identifies possible directions for improvement and factors for competitive advantage.

This article is a study of the institutional governance of farmers in Bukit Batu District, Bengkalis Regency using the concept of Society 5.0 and the governance paradigm for analysis in peat area studies. This study aims to determine the form of institutional governance of smallholder agriculture in peat areas and determine the truth of the influence of community economic management and development indicators on Society 5.0, which results from empirical studies in the field. This study uses the mixed methods method, which combines quantitative and qualitative data analysis to measure the truth of information. The results of the study illustrate that the question study first finds existing forms of institutional governance walk, however still passive; this is caused by constraints of knowledge management plant horticulture in the region peat, utilization process nutrients, and management techniques group sustainable farming in aspect regulation government and empowerment company around through CSR; on the question, it has been furthermore found that management variables and community economic development have a positive influence on Society 5.0. This study uses quantitative analysis and calculation results from the SPSS analysis test to support this conclusion. From this study, it formulated recommendation from the synergy between economic development and management of peat areas to socio-economic and environmental impacts that must be considered by interested stakeholders, as well as maximizing function technology in making it easy to manage horticulture plants in peat areas as a form of Society 5.0 to minimize behind.

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.

The golden visa is a regulation designed to facilitate foreign nationals through a residence permit scheme with an emphasis on investment and citizenship. This research aims to look at the development of the golden visa as an innovation policy, and find out how its implications for the flow of foreign investment into Indonesia. This research uses online research methods (ORM) to discover new facts, information and conditions through technology and internet searches. The aspects used to conduct analysis in this descriptive qualitative research are using innovation policy instruments which include regulatory, economic, financial, and soft instruments. The research findings show that the golden visa as an innovation policy has great potential to support national development through investment in priority sectors. However, its implementation needs to be done carefully with strict supervision and inclusive regulations so as to mitigate risks such as money laundering and property price inflation. That way, golden visas can encourage sustainable and inclusive economic growth through the smooth flow of incoming foreign investment.

The advent of the Internet Plus era, digital technologies, and the digital economy has instigated profound transformations in the commercial landscape, particularly evident in the systematic reshaping of the Digital Business Ecosystem (DBE), encompassing innovations in business models, norms of commercial conduct, and the exploration of business value. This paper delves into the panoramic view of digital business operations of typical companies to uncover the fundamental structural framework of digital commerce. Through deductive reasoning and drawing upon the theoretical framework of natural niche, we construct a niche model for the digital business ecosystem, thereby achieving a bionic deconstruction of the digital business ecosystem. The significance of this research lies in offering a novel research perspective for enterprises, economic regulatory bodies, and scholars in the field of business management, proposing a systemic approach rooted in niche theory models to competition. This approach provides a fresh theoretical framework for enterprises to devise their own ecological and sustainable development strategies. The key findings are as follows: (1) Most business firms establish competitive advantages by constructing commercial cloud platforms that facilitate internal digital transformation and enable digital synergy with external economic entities; (2) Within the digital business ecosystem, enterprises extend their digital capabilities externally through four modalities: data development, data application, data services, and data manufacturing. Externally, six primary forces and roles shape the ecosystem: suppliers, governments, social institutions, consumers, as well as external and internal industry players; (3) The digital business niche is a multidimensional and hyper volumetric relationship positioning between enterprises and the digital business environment. The niche factors include six dimensions: market, personnel, resources, social relationships, technology, and institutions; (4) Given limited ecological factors, the non-exclusivity between static resource allocation and dynamic technological investments in digital enablement leads to the generalization of property rights boundaries and industrial values within the digital business ecosystem. Consequently, this fosters extensive business applications and diversified business models, thereby resulting in less competition and more cooperation, symbiosis, and complementarity within the digital business niche.

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.