In the digital era, advances in information technology have penetrated various aspects of life, including the health sector. This article reviews the importance of health literacy and digital literacy in facing the challenges of health information that is easily produced and disseminated in the digital world. Telemedicine or e-health is in the main spotlight in facilitating access to health services, while this research introduces a health literacy model with three level including functional, interactive, and critical. Digital literacy is described as a key skill in understanding, evaluating, and wisely utilizing online health information. The article also discusses the role played by the government and society in overcoming the spread of hoaxes and increasing digital literacy. Thus, by increasing health literacy and digital literacy, it is hoped that people can access correct health information and avoid misinformation, which will ultimately contribute to improving quality of life and welfare. In an increasingly digitally connected world, the ability to critically sort information and use technology wisely is key to maintaining the health and well-being of society. Therefore, joint efforts between the government, health institutions and the community in increasing health literacy and digital literacy are very important to face this ever-growing digital era. In the digital era, advances in information technology have penetrated various aspects of life, including the health sector. This article reviews the importance of health literacy and digital literacy in facing the challenges of health information that is easily produced and disseminated in the digital world. Telemedicine or e-health is in the main spotlight in facilitating access to health services, while this research introduces a health literacy model with three level including functional, interactive, and critical. Digital literacy is described as a key skill in understanding, evaluating, and wisely utilizing online health information. The article also discusses the role played by the government and society in overcoming the spread of hoaxes and increasing digital literacy. Thus, by increasing health literacy and digital literacy, it is hoped that people can access correct health information and avoid misinformation, which will ultimately contribute to improving quality of life and welfare. In an increasingly digitally connected world, the ability to critically sort information and use technology wisely is key to maintaining the health and well-being of society. Therefore, joint efforts between the government, health institutions and the community in increasing health literacy and digital literacy are very important to face this ever-growing digital era.

Investment decision-making is often characterized by uncertainty and the subjective weighting of criteria. This study aims to develop a more robust decision support framework by integrating the Generalized Interval-Valued Hesitant Intuitionistic Fuzzy Soft Set (GIVHIFSS) with the Analytic Hierarchy Process (AHP) to objectively weight criteria and handle multi-evaluator hesitancy. In the proposed GIVHIFSS-AHP model, the AHP is employed to derive mathematically consistent criterion weights, which are subsequently embedded into the GIVHIFSS structure to accommodate interval-valued and hesitant evaluations from multiple decision-makers. The model is applied to a numerical case study evaluating five investment alternatives. Its performance is assessed through a comparative analysis with standard GIVHIFSS and GIFSS models, as well as a sensitivity analysis. The results indicate that the model produces financially rational rankings, identifying blue-chip technology stocks as the optimal choice (score: +2.4). The comparative analysis confirms its superiority over existing models, which yielded less-stable rankings. Moreover, the sensitivity analysis demonstrates the robustness of the results against minor perturbations in criterion weights. This research introduces a novel and synergistic integration of the AHP and GIVHIFSS. The key advantage of this approach lies in its ability to address the long-standing issue of arbitrary criterion weighting in Fuzzy Soft Set models by embedding the AHP as a foundational mechanism for ensuring validation and objectivity. This integration results in mathematically derived, consistent weights, thereby yielding empirically validated, more reliable, and defensible decision outcomes compared with existing models.

The Black–Scholes model is a fundamental concept in modern financial theory. It is designed to estimate the theoretical value of derivatives, particularly option prices, by considering time and risk factors. In the context of agricultural insurance, this model can be applied to premium determination due to the similar characteristics shared with the option pricing mechanism. The primary challenge in its implementation is determining a fair premium by considering the potential financial losses due to crop failure. Therefore, this study aimed to analyze the determination of rainfall index-based agricultural insurance premiums using the standard and fractional Black–Scholes models. The results showed that a solution to the fractional model could be obtained through the Daftardar-Gejji Laplace method. The premium was subsequently calculated using the Black–Scholes model applied throughout the growing season and paid at the beginning of the season. Meanwhile, the fractional Black–Scholes model incorporated the fractional order parameter to provide greater flexibility in the premium payment mechanism. The novelty of this study was in the application of the fractional Black–Scholes model for agricultural insurance premium determination, with due consideration for the long-term effects to ensure more dynamism and flexibility. The results could serve as a reference for governments, agricultural departments, and insurance companies in designing agricultural insurance programs to mitigate risks caused by rainfall fluctuations.

Rainfall is significantly essential in the agricultural sector to increase productivity. However, rainfall instability serves as a potential source of risk, causing crop failure and negatively impacting the welfare of farmers. To mitigate this risk, rainfall index-based agricultural insurance offers financial protection to farmers. There is no information on how to set a reasonable premium in index-based agricultural insurance. Therefore, this research aimed to systematically explore a model for determining a rainfall index-based agricultural insurance premium, focusing on the methods used and their effectiveness in mitigating the risk of harvest failure in the agricultural sector. The Preferred Reporting Items for Systematic Review and Meta-Analysis (PRISMA) method and a bibliometric analysis were used to collect and analyze articles from Scopus, ScienceDirect, and Dimensions databases. The results showed that there were 15 articles on determining a rainfall index-based agricultural insurance premium, where 4 used the Black–Scholes method and 11 applied other main methods. Meanwhile, no articles applied the fractional Black–Scholes method in determining agricultural insurance premiums based on the rainfall index, providing new opportunities for further research. The results contributed to the development of a model for agricultural insurance premium determination that could generate more diverse and flexible premium estimates as a sustainable method to mitigate the risk of harvest failure. This research is expected to serve as a reference for developing rainfall index-based agricultural insurance in the future and contribute to the Government of the Agriculture Department’s policy formulation regarding insurance programs for farmers.

The Citarum River Basin (DAS Citarum) in Indonesia faces significant challenges in waste management, necessitating a circular economy-based approach to reduce land-based pollution, which is critical for achieving the sustainability goals of the blue economy in the basin. This study addresses the complexity and inherent uncertainty in decision-making processes related to this challenge by developing a novel hybrid model, namely the Weighted Fuzzy N-Soft Set combined with the COmbinative Distance-based Assessment (CODAS) method. The model synergistically integrates the weighted 10R strategies in the circular economy, obtained via the Analytical Hierarchy Process (AHP), the capability of Fuzzy N-Soft Sets to represent uncertainty granularly, and the robust ranking mechanism of CODAS. Applied to a case study covering 16 types of waste in the Citarum River Basin, the model effectively processes expert assessments that are ambiguous regarding the 10R criteria. The results indicate that single-use plastics, particularly plastic bags (HDPE), styrofoam, transparent plastic sheets (PP), and plastic cups (PP), are the top priorities for intervention, in line with the high AHP weights for upstream strategies such as Refuse (0.2664) and Rethink (0.2361). Comparative analysis with alternative models, namely Fuzzy N-Soft Set-CODAS, Weighted Fuzzy N-Soft Set with row-column sum ranking, and Weighted Fuzzy N-Soft Set-TOPSIS, confirms the superiority of the proposed hybrid model in producing ecologically rational priorities, free from purely economic value biases. Further sensitivity analysis shows that the model remains highly robust across various weighting scenarios. This study concludes that the WFN-SS-CODAS framework provides a rigorous, data-driven, and reliable decision support tool for translating circular economy principles into actionable waste management priorities, directly supporting the restoration and sustainability goals of the blue economy in river basins. The findings suggest that targeting the high-priority waste types identified by the model addresses the dominant fraction of riverine pollution, indicating the potential for significant waste volume reduction. This research was conducted to directly contribute to achieving multiple targets under SDG 6 (Clean Water and Sanitation), SDG 12 (Responsible Consumption and Production), and SDG 14 (Life Below Water).

This study proposes a multi-objective optimization model for capital allocation in an energy stock portfolio. The model integrates two financial objectives (maximizing return and minimizing value-at-risk) and four environmental objectives (minimizing carbon, energy, water, and waste intensities), providing a more comprehensive representation of corporate environmental performance in the energy sector. A closed-form analytical solution is developed to enhance theoretical clarity, analytical tractability, and interpretability without relying on iterative simulations. Methodologically, the model adopts a weighted utility function approach to aggregate multiple objectives into a single unified function, and the optimal solution is derived using the Lagrange multiplier method. The proposed model is then implemented on Indonesian energy stock data selected based on the lowest aggregate scores of financial and environmental attributes. This selection yields four stocks across three different energy subsectors: oil, gas, and coal. This implementation demonstrates that the optimal portfolio solution is simply and efficiently obtained without the need for iterative numerical approaches. Additionally, this implementation also shows a clear, representative, and rational trade-off between financial aspects and environmental impacts. This study makes a theoretical contribution to the sustainable portfolio literature and has practical implications for investors seeking to balance financial and environmental objectives quantitatively.