Using the Intercultural Competence and Inclusion in Education Scale (ICIES), this study examines variations in intercultural competence and inclusion between mainstream and multiethnic high schools. The sample consisted of 384 high school students, aged 17 to 18, from both rural and urban areas in Western Romania, enrolled in grades 11 and 12. The ICIES demonstrated strong reliability, with a Cronbach’s alpha of 0.721. Exploratory factor analysis revealed three distinct dimensions: Intercultural opportunities and activities, Comfort in diverse settings, and Cultural reflection and values. Independent samples t-tests identified significant differences between mainstream and multiethnic schools across several items, with students in multiethnic schools reporting higher levels of intercultural competence and inclusion. These findings highlight the critical role of multicultural educational settings in fostering students’ cultural awareness and inclusive attitudes. This study provides actionable insights for enhancing multicultural education practices and policies, including teacher training programs, inclusive curricula, and extracurricular initiatives that promote intercultural engagement and reduce intergroup biases.

Since the systematic approach of the processes and their interactions, the aim is to establish the configuration of a construction project for the housing of the Weenhayek indigenous people. Applied from the theoretical research of various authors on a group of methodologies, phases and tools for project management, through rational scientific methods, such as descriptive, analytical, comparative, analytical-synthetic, inductive-deductive, historical-logical, analogies, modeling, systemic-structural-functional, systematization; and empirical methods, such as interpretivism that involves inductive, qualitative, phenomenological and transversal research, and the interview technique; the way in which the implementation processes are organized, interacted and structured is established. This reveals an alternative for the detailed configuration of a construction project for Weenhayek houses, based on phases, activities, actions and work tasks with characteristics in accordance with the needs of the project.

This study aims to explore the research on Chinese higher education policy from 2005 to 2024 through a bibliometric analysis. It is revealed that a continuous growth trend and sustained academic interest in this field. Mainland China leads in publication quantity, showcasing the active involvement of Chinese scholars in higher education policy research. Institutions like Peking University, the University of Hong Kong, and Beijing Normal University play significant roles in this research domain. The focus of research has shifted from student attitudes to international students, teachers, innovation models, changing demands, and urban education development, reflecting a growing emphasis on sustainability and internationalization. The study highlights the positive development trajectory of Chinese higher education policy research, with expanding research focuses and deepening concerns for sustainability and internationalization.

Objectives: The unprecedented COVID-19 pandemic has intensified the stress on blood banks and deprived the blood sources due to the containment measures that restrict the movement and travel limitations among blood donors. During this time, Malaysia had a significant 40% reduction in blood supply. Blood centers and hospitals faced a huge challenge balancing blood demand and collection. The health care systems need a proactive plan to withstand the uncertain situation such as the COVID-19 pandemic. This study investigates the psychosocial factors that affect blood donation behavior during a pandemic and aims to propose evidence-based strategies for a sustainable blood supply. Study design: Qualitative design using focus group discussion (FGD) was employed. Methods: Data were acquired from the two FGDs that group from transfusion medicine specialists (N = 8) and donors (N = 10). The FGD interview protocol was developed based on the UTM Research Ethics Committee’s approval. Then, the data was analyzed using Nvivo based on the General Inductive Approach (GIA). Results: Analysis of the text data found that the psychology of blood donation during the pandemic in Malaysia can be classified into four main themes: (i) reduced donation; (ii) motivation of donating blood; (iii) trends of donation; and (iv) challenges faced by the one-off, occasional, and non-donors. Conclusions: Based on the emerging themes from the FGDs, this study proposes four psycho-contextual strategies for relevant authorities to manage sustainable blood accumulation during the pandemic: (1) develop standard operating procedure for blood donors; (2) organize awareness campaigns; (3) create a centralized integrated blood donors database; and (4) provide innovative Blood Donation Facilities.

Women’s financial literacy and financial inclusion have gained prominence in recent years. Despite progress, knowledge and access to finance remain common barriers for women, especially in emerging economies. Globally, domestic and economic violence has been recognized as a relevant social concern from a gender perspective. In this context, financial literacy and financial inclusion are considered to play a key role in reducing violence against women by empowering them with the necessary knowledge to manage their financial resources and make informed decisions. This study aims to evaluate the determinants that influence Peruvian female university students’ financial literacy and financial inclusion. To this end, a theoretical behavioral model is proposed, and a survey is applied to 427 female university students. The results are analyzed using a Partial Least Squares Structural Equation Model (PLS-SEM). The results validate all the proposed hypotheses and highlight significant relationships between financial literacy and women’s financial inclusion. A relevant relationship between financial attitude and financial behavior is also observed, as well as the influence of financial behavior and financial self-efficacy on financial literacy. The results also reveal that women feel capable of making important financial decisions for themselves and consider that financial literacy could help reduce gender-based violence. Based on these findings, theoretical and practical implications are raised. It highlights the proposal of a theoretical model based on antecedents, statistically validated in a sample of women in Peru, which lays the foundation for understanding financial literacy and financial inclusion in the Latin American region.

This paper presents an effective method for performing audio steganography, which would help in improving the security of information transmission. Audio steganography is one of the techniques for hiding secret messages within an audio file to maintain communication secrecy from unwanted listeners. Most of these conventional methods have several drawbacks related to distortion, detectability, and inefficiency. To mitigate these issues, a new scheme is presented which combines the techniques of image interpolation with LSB encoding. It selects non-seed pixels to allow reversibility and diminish distortion in medical images. Our technique also embeds a fragile watermarking scheme to identify any breach during transmission to recover data securely and reliably. A magic rectangle has also been used for encryption to enhance data security. This paper proposes a robust, low-distortion audio steganography technique that provides high data integrity with undetectability and will have wide applications in sectors like e-healthcare, corporate data security, and forensic applications. In the future, this approach will be refined for broader audio formats and overall system robustness.

Credit risk assessment is one of the most important aspects of financial decision-making processes. This study presents a systematic review of the literature on the application of Artificial Intelligence (AI) and Machine Learning (ML) techniques in credit risk assessment, offering insights into methodologies, outcomes, and prevalent analysis techniques. Covering studies from diverse regions and countries, the review focuses on AI/ML-based credit risk assessment from consumer and corporate perspectives. Employing the PRISMA framework, Antecedents, Decisions, and Outcomes (ADO) framework and stringent inclusion criteria, the review analyses geographic focus, methodologies, results, and analytical techniques. It examines a wide array of datasets and approaches, from traditional statistical methods to advanced AI/ML and deep learning techniques, emphasizing their impact on improving lending practices and ensuring fairness for borrowers. The discussion section critically evaluates the contributions and limitations of existing research papers, providing novel insights and comprehensive coverage. This review highlights the international scope of research in this field, with contributions from various countries providing diverse perspectives. This systematic review enhances understanding of the evolving landscape of credit risk assessment and offers valuable insights into the application, challenges, and opportunities of AI and ML in this critical financial domain. By comparing findings with existing survey papers, this review identifies novel insights and contributions, making it a valuable resource for researchers, practitioners, and policymakers in the financial industry.