To fight inflation, European Central Bank (ECB) announced 10 successive interest rate hikes, starting on 27 July 2022, igniting an unprecedented widening of interest rate spreads in the euro area (ΕΑ). Greek banks, however, recorded among the highest interest rate spreads, far exceeding ΕΑ median and weighted average. Indeed, we document a strong asymmetric response of Greek banks to ECB interest rate hikes, with loan interest rates rising immediately, whilst deposit interest rates remained initially unchanged and then rose sluggishly. As a result, the interest rate spread hit one historical record after another. Greek systemic banks, probably taking advantage of the high concentration and low competition in the domestic sector benefited from key ECB interest rate hikes, recording gigantic increases in net interest income (NII), and consequently, substantial profits (almost €7.4 billion in the 2022–2023 biennium). Such excessive accumulation of profits (that deteriorates the living conditions of consumers) by the banking system could be called the inflation of “banking greed”, or bankflation. This new source of inflation created by the oligopolistic structure of the Greek banking sector counterworks the very reason for ECB interest rate increases and requires certain policy analysis recommendations in coping with it.

This study aims to predict whether university students will make efficient use of Artificial Intelligence (AI) in the coming years, using a statistical analysis that predicts the outcome of a binary dependent variable (in this case, the efficient use of AI). Several independent variables, such as digital skills management or the use of Chat GPT, are considered.The results obtained allow us to know that inefficient use is linked to the lack of digital skills or age, among other factors, whereas Social Sciences students have the least probability of using Chat GPT efficiently, and the youngest students are the ones who make the worst use of AI.

The aim of this study was to analyze the perceived self and collective efficacy, individual and social norms and feelings related to environmental health concern among a sample of Pakistanis who are (or are not) engage in pro- environment behaviors in their daily lives. An ad hoc questionnaire with scales on pro-environmental behavior, self and collective efficacy, individual and social norms, and environmental health concerns was administered to adults in Lahore, Pakistan, and 833 respondents (62% males and 38% females) responded. Analysis of our research data shows that among those who engaged in daily pro-environmental behaviors, perceptions of individual and social norms and individual and collective efficacy were positively associated with concern for the environment and health. This study offers some interesting ideas that could be useful in developing federal, regional, local and community policies to promote daily pro-environmental behaviors. For example, in addition to advocating for environmental health and reducing one’s ecological footprint, social communication could explain that caring about environmental health (and thus adopting daily pro-environmental behaviors) is a way to manage one’s mental health. In this way, circular behavior is encouraged, which not only benefits the environment and the community, but also brings personal benefits.

The current examines the influence of Islamic values on smoking behaviors among undergraduate students at Yarmouk University in Irbid, Jordan (N: 334). Tobacco use, in religious and cultural terms, is viewed as abhorrent; it is a significant concern for this population group. The study intends to identify how Islamic values affect the perception of students on smoking and, consequently, their smoking behavior. A self-administered questionnaire assessed sociodemographic data and the past 30 days of cigarette use. Descriptive statistics, such as frequencies and percentages, midpoint and standard deviation, and inferential statistics, such as chi-square tests, t-tests, ANOVA, Pearson correlation, and hierarchical regression, were used to analyze smoking behaviors, Islamic values, and demographic attributes. The study shows that Islamic values have a strong negative attitude towards smoking; students attributed smoking to religion, family and social expectations and perceptions, health and economic implications. Further, the hierarchical regression analysis revealed that cigarette use, hookah and e-cigarette, gender, and attitude towards Islamic values were suitable predictors for cigarette use. This study advances knowledge regarding smoking behaviors from the cultural-religious perspective. It highlights the importance of historically and culturally informed gender-sensitive prevention programs that address smoking-related beliefs, attitudes, and practices. Collaboration with the Ministry of Health and media outlets to integrate Islamic values into public health campaigns can reduce smoking among university students by aligning cultural and religious beliefs with health messaging.

Quality human resources will be formed if education focuses on improving students’ skills. Of course, the foundation of education must be quality. Qualified human resources will later be responsible for making Indonesia a good country in all fields. This study aims to examine the effect of applying the REACT learning model (Relating, Experiencing, Applying, Cooperating, Transferring) on learning outcomes and critical thinking skills of students of SMAN 9 KENDARI. Quantitative research method with experimental research type. The research design used was post experimental control design. The research location was at SMAN 9 KENDARI. The instruments used include learning outcomes test and critical thinking skills test. The data obtained were explained using statistical tests to see the differences between the experimental group and the control group in chemistry subjects. The results showed that the application of REACT model significantly improved students’ learning outcomes and critical thinking skills compared to conventional learning methods in chemistry subjects. The findings indicated that the REACT model was effective in improving the quality of learning and developing critical thinking skills of students of SMAN 9 KENDARI, especially in chemistry learning.

Nowadays investors are measuring the performances of a business organization not only based on their operating efficiency but also fulfilling their social responsibility. At least the investors need to know whether the activities of the business have any adverse impact on the society and environment. This study explores the accountability of the business from the social and environmental context. This empirical study tends to investigate the nature of the ownership structure that influences the environmental disclosure of a business entity. Based on the sample of fifty-five DSE-listed textile companies, this study used multiple regression to assess the causal relationship between the ownership structure and corporate environmental disclosure. Moreover, this cross-sectional study also considers the agency theory and stakeholder theory to explain the relationship between the ownership structure and environmental disclosure. The findings indicate that corporate environmental disclosure is positively influenced by foreign ownership and institutional ownership whereas director ownership and public ownership have no significant association with the environmental disclosure. These insightful results challenge conventional assumptions and highlight the need for a nuanced understanding of the factors that drive environmental reporting practices in the context of an emerging economy. The main contribution of this article lies in its provision of empirical evidence from an emerging economy, Bangladesh, which helps in understanding sustainable practices in a global context. Additionally, it aids in developing effective corporate governance policies and strategies tailored to similar emerging economies by recognizing the role of ownership structures in influencing environmental accountability. These findings further assist policymakers, managers, and other sustainability advocates in understanding how different ownership structures affect corporate environmental disclosure.

Service composition enables the integration of multiple services to create new functionalities, optimizing resource utilization and supporting diverse applications in critical domains such as safety-critical systems, telecommunications, and business operations. This paper addresses the challenges in comparing load-balancing algorithms within service composition environments and proposes a novel dynamic load-balancing algorithm designed specifically for these systems. The proposed algorithm aims to improve response times, enhance system efficiency, and optimize overall performance. Through a simulated service composition environment, the algorithm was validated, demonstrating its effectiveness in managing the computational load of a BMI calculator web service. This dynamic algorithm provides real-time monitoring of critical system parameters and supports system optimization. In future work, the algorithm will be refined and tested across a broader range of scenarios to further evaluate its scalability and adaptability. By bridging theoretical insights with practical applications, this research contributes to the advancement of dynamic load balancing in service composition, offering practical implications for high-tech system performance.

This article evaluates the Didactic Strategies for Teaching Mathematics (DSTM) program, designed to enhance the teaching of mathematical content in primary and secondary education in a hybrid modality. In alignment with SENACYT’s Gender-STEM-2040 Policy, which emphasizes gender equality as a foundational principle of education, this study aims to assess whether initial teacher training aligns with this policy through the use of mathematical strategies promoting gender equality. A descriptive-correlational approach was applied to a sample of 64 educators, selected based on their responses during the training, with the goal of improving teaching and data collection methodologies. Findings indicate that, although most teachers actively engage in training, an androcentric approach persists, with sexist language and a curriculum that renders girls invisible, hindering the fulfillment of the National Gender Equality Policy in Science, Technology, and Innovation of Panama (Gender-STEM Policy 2040). Additionally, through a serendipitous finding, a significant gap in student activity levels, especially in secondary school, was discovered. While in primary school, activity levels were similar between genders, a decline in active participation among girls in secondary school was observed. This discovery, not initially contemplated in the study’s objectives, provides valuable insights into gender differences in active participation, particularly in higher educational stages. The serendipity suggests the need for further exploration of social, environmental, and family factors that may influence this decrease in girls’ active participation. The article concludes with a preliminary diagnosis and a call to deepen gender equality training and the effective implementation of coeducation in Panama’s educational system.