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.

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.

This research examines the link between business models and entrepreneurial capabilities among social assistance program participants who are aging adults in an emerging economic environment. The research targets the insufficient use of entrepreneurial abilities in seniors to advance their active aging potential while enhancing their life quality. This study collected data from selected participants by using Osterwalder and Pigneur’s business model framework as a basis for their structured questionnaire, which followed a quantitative–qualitative method. Researchers applied Spearman’s Rho statistical methods to measure relations between business elements and skills in self-confidence, creativity, initiative, perseverance, and teamwork demonstrated by entrepreneurs. The study results clearly showed that properly executed business models create substantial growth in entrepreneurial abilities among people of advanced age. This study contributes novel empirical evidence from a rural Peruvian context, confirming that structured business model training is positively associated with entrepreneurial outcomes among elderly populations. The findings (r = 0.755, p < 0.001) support the urgency of integrating capability-building into social assistance schemes. These results emphasize how targeted training programs should empower this population since this initiative supports Sustainable Development Goals like “Decent Work and Economic Growth” (SDG 8) and “Reduced Inequalities” (SDG 10). The analysis demonstrates that teaching entrepreneurial abilities to mature individuals leads to better social entrepreneurship sustainability together with superior economic involvement and social connections.