The knowledge on financial management highly matters as it assists the micro-entrepreneurs in the making of right and sustainable business decisions. This research seeks to examine the effects of financial literacy on microenterprise decision-making in order to improve rational decision-making in financial management. A structured questionnaire with Likert-scaled options was used to measure micro-entrepreneurs’ financial decision-making capacity in terms of information processing and decision-making. They demonstrate a favorable relationship between financial education and rationality, which refers to micro-entrepreneurs’ capacity to select from a range of acceptable options. Based on the findings presented in this research, it is suggested that greater efforts should be paid to the integration of financial literacy within any form of entrepreneurial training targeting improvement in sustainability dimensions and qualities of decisions made by micro-entrepreneurs. Through increased financial knowledge, micro-entrepreneurs can manage financial problems effectively and thereby support the growth of sustainable microenterprises. Moreover, such observations suggest that all future policies must focus on and incorporate financial literacy as the defining strategy towards the improvement of the microenterprise sector and, therefore, economic growth.

This study focuses on determining the correlation between digital competencies and academic self-efficacy of students in universities in the Selva Central (Central Jungle) region of Peru to establish the significance of these factors in academic achievement. This study employs a quantitative, hypothesis-testing design and is both fundamental and co-relational in nature; 84 students from Universidad de la Selva Central were selected. Validated questionnaires were used to gather data on the participants’ DCs including information literacy, communication, content creation, security, and problem-solving skills, as well as the academic self-efficacy of the participants, with all having reliability scores of 0.823 and 0.895, respectively, for the Spearman correlation coefficient. By using statistical analysis, it was established that there is a stronger positive relationship between academic self-efficacy and every dimension of the digital competencies; this was particularly the case with communication and collaboration, rho = 0.853, and digital content creation, rho = 0.863. As such, there is evidence that increasing digital literacy may help improve the learners’ self-confidence in achieving academic success and address the problem of early school leaving, as well as improve competitiveness in the European Union labor market. This study suggests that appropriate curricula and/or workshops to strengthen these effectiveness- and efficiency-related competencies be disseminated to education stakeholders and the findings published in relevant outlets. This research therefore fits within the larger body of literature on the inclusion of digital literacy within tertiary education, information science, and technology.

This research aims at investigating factors affecting entrepreneurial intention among university students in Selva Central-Peru. The study seeks to explore how perceptions of behavioural and social norms, as well as entrepreneurs’ self-efficacy, impact entrepreneurial intentions among students. The research method used is a quantitative one, which in turn praises data obtained through questionnaires applied to 114 active students and analysed by statistical methods. Confirmed the positive influences of self-efficacy on entrepreneurial intention are six times larger than those of attitude and subjective norms, with 79.2% explained variance, respectively, in relation to the proposal model’s findings. Results showed that although the majority of students demonstrated medium to high entrepreneurship intentions, much scope remains for increasing this. These findings confirm just how critical it is to provide an educational context that supports entrepreneurial locus of control-building and, in so doing, draws on broader conversation within the education-occupational landscape. With this, the study highlights avenues to better leverage entrepreneurship as a pathway toward sustainable livelihoods and economic inclusion in an economically divided region.

This paper explores how credit risk management and human capital development sustain financial stability in microfinance institutions. Both qualitative and quantitative research methods allow this study to investigate credit risk management strategies while examining policies for inclusivity plus incentive plans along with debt portfolio selection efficiency. This research emphasizes that financial operations depend on skilled employees who require motivating interventions alongside training programs while developing ethical practices. The research discovers that organizations with strong credit risk management frameworks along with dedicated personnel achieve enhanced financial performances and reduced default incidents. This study confirms that microfinance institutions need both superior risk management along with human resource development systems to achieve sustainable development. This study enriches economic development research by demonstrating that implementing an equal mixture of financial and human resources produces successful economic results.

This study examines the relationship between organizational commitment and administrative management within a public service institution operating in an emerging governance context. Grounded in the three-component model of organizational commitment (affective, continuance, and normative) and classical administrative theory (planning, organizing, directing, and controlling), the research investigates how internal psychological bonds among frontline personnel influence institutional performance. A quantitative, cross-sectional, non-experimental design was applied, surveying 30 operational police officers using validated Likert-scale instruments. The results reveal a strong and statistically significant positive correlation between organizational commitment and administrative management (Spearman’s ρ = 0.775, p < 0.01), with normative commitment displaying the highest effect size (ρ = 0.812). These findings underscore the critical role of ethical obligation, loyalty, and affective alignment in enhancing managerial coherence and institutional responsiveness. The study contributes to ongoing debates on public sector reform and strategic human capital management by emphasizing the need for emotionally engaged and ethically anchored personnel. It aligns with Sustainable Development Goals (SDGs) 16 (Peace, Justice, and Strong Institutions) and 8 (Decent Work and Economic Growth), promoting inclusive, accountable governance and resilient administrative practices in resource-constrained environments.

The proliferation of digital platforms and interactive technologies has transformed the way service providers engage with their customers, particularly in emerging economies, where digital inclusion is an ongoing process. This study explores the relationship between omnichannel strategies and customer satisfaction, conceptualized here as a proxy for Quality of Experience (QoE), within a smart service station located in a digitally underserved region. Grounded in customer journey theory and the expectancy–disconfirmation paradigm, the study investigates how data integration, digital payment systems, and logistical flexibility—key components of intelligent e-service systems—influence user perceptions and satisfaction. Based on a correlational design with a non-probabilistic sample of 108 customers, the findings reveal a moderate association between overall omnichannel integration and satisfaction (ρ = 0.555, p < 0.01). However, a multiple regression analysis indicates that no individual dimension significantly predicts satisfaction (adjusted R² = 0.002). These results suggest that while users value system integration and interaction flexibility, no single technical feature drives satisfaction independently. The study contributes to the growing field of intelligent human-centric service systems by contextualizing QoE and digital inclusion within emerging markets and by emphasizing the importance of perceptual factors in ICT-enabled environments.