Making correct financial decisions requires a certain level of financial literacy, namely knowledge of different financial products and services and planning and managing personal finances, among others. While people with low to no financial literacy tend to have higher costs, like higher interest rate on their credits, a financially literate person is more likely to use financial services more cheaply and efficiently. This study evaluates the influence of number of socio economic and demographic factors like age, gender, income and education on level of financial literacy of people in Georgia, and the relationship between financial knowledge, financial attitude,  and well-being.

The use of mobile phones and mobile applications is growing significantly due to its ease of use and easy access, so we need continuous and new research to keep up with changes and meet user expectations. All this can change the way marketing, education and all other sectors. This study will generally investigate the use of applications in the Kurdistan Region, and several sectors have been identified for this study such as, restaurant, hospital, jewelry, dress shop, bank. How easy they are for people to use and how they work. We also refer to the switching costs in the sections, how much the user stays on the choice of product or service, and for which product or service the customer stays longer depending on the location or brand chosen.

Despite, the external loans the Nigerian government has been receiving all this while, Nigeria continues to record a high rate of unemployment among the active labor force, high poverty rate, low per capita income, inadequate power, and water supply, inadequate social amenities, bad road network, high budget deficit, high rate of corruption in all government parastatal. Hence, this study examined the effect of foreign debts on Nigeria's Infrastructural developments. The study made use of Auto-regressive Distributed Lag (ARDL), using annual time series from 1983-2019. Collected from CBN statistical bulletin, National Bureau Statistics (NBS), World Development Indicators (WDI) databank, and UNCTAD Database. The ARDL long-run coefficient reveals that BMFI and BBFI have a negative and positive insignificant and significant effect on INFRA in Nigeria, while the control variables of FDI and TOPEN has a positive and negative significant effect on INFRA in NigeriaThe findings give credence to the dual gap theory postulation, that external debt is a phenomenon that can improve the level of growth of an economy. Conclusively, the government should make sure that the foreign debt received from international organizations is used for the infrastructural development in the country and proffer policies and innovations that will help in recovering the foreign debts in the country.

In today's world of increasing globalization and economic openness, foreign direct investment (FDI) is a critical factor that contributes to the dependency of economies. The volume of the global flows of foreign direct investment (FDI) has grown significantly during the last two decades. The data of variables used in this research are included from 2001 to 2021.Most of data for variables before 2001 are not available. The variables are as follows. The ratio of net FDI inflows to GDP is known as FDI. The United Nations Conference on Trade and Development (UNCTAD) Statistics are used to calculate net FDI inflows. Data for variables are derived from the World Bank databank's World Development Indicators (WDI).Threshold regression model is utilized in the research.

This research aims to analyze and explain the importance of diversification benefit of cryptocurrencies and its nature in accordance with its relation with other financial assets before and especially during the Covid-19 pandemic era. This paper will help investors to understand that how to manage a portfolio of cryptocurrencies in parallel with other financial assets and mainly cryptocurrencies since they were a safe investment option during the pandemic period due to the good defense these digital currencies activated against the covid-19 shock back in 2020. Paper used DCC-GARCH model to examine the safety of Bitcoin and Ethereum with financial market of S & P 500 and FTSE100.

Economical development in perspective is unthinkable without the successful functioning of the commercial banking system, as it has a direct impact on practically all areas of the market economy by determining the vector of its development. The paper aims to discuss and analyze banking risk and its factors. It involves analysis of factors affecting the profitability of banks and correlations between different variables that are crucial for identifying relationships between key aspects. An analysis is performed on the example of Georgian Banks. To respond to this question, 14 active commercial banks of Georgia operating in the years 2013 – 2020 were analyzed using Machining learning and ordinary least squares (OLS) . This research also applies the fixed effect model by evaluating Hausman. Results showed specific correlations between a variety of factors affecting the risks of commercial banks. Research emphasizes the importance of performing proper risk management strategies and their influence on the overall profitability of the bank.

It is generally believed that ethical perception of individuals is a function of their moral development. Since this is also developed over time given people experiences, and against the backdrop that students field of study are likely to affect their business ethics posture, this study generally sought to examine gender and educational differences in perception of business ethics among university students in Ogun state, Nigeria. The study adopted a descriptive survey design. Our sampling frame was year three and four management and non-students from a public and a private universities in the state. We obtained primary data from a total of 227 students selected through a purposeful sampling method. Questionnaire constituted the main research instruments for obtaining primary data.  Our T-test result indicated that there is no significant difference in student’s perception of business ethics based on both gender and age. However, the result indicated positive and significant difference in the students’ perception of business ethics based on their major course of study, where the management students ranked higher in their attitude to ethics in business. Similarly, there was a significant difference in the attitude of the students to ethics in business based on their schools as private university students scored higher in .The study therefore recommends that tertiary institutions should include ethical courses to all students irrespective of their majors and punish students who are involved in academic dishonesty.

 This scientific paper brought insights into the effects of the Covid-19 on specific and important part of the EU economy – the sports industry. The main objective of the research made was to identify and quantify the possible impact of the Covid-19 global pandemic on the EU sports industry. There are no doubts that this pandemic has had a significant impact on the world economy and also on the economies of the individual countries. This scientific article connects already published articles, which were focusing on the impacts of the Covid-19 on the global or local economies and their specific industries with the analysis of the impact on the sports industry in the European Union which have not been sufficiently investigated yet. Purpose of the article was to identify and quantify the impact of the Covid-19 waves and restrictions (that have been held against the spread of The Covid-19) on the sports industry in the EU and its individual countries. This paper also seeks to present possible solutions how the EU sports industry could possibly restore its pre-pandemic state. Mainly the empirical, exploratory, comparative and statistical methods of examining secondary data which are connected with the selected macroeconomic indicators (f. e. the industry outputs, state of employment in the selected time period) were used. The most important finding is that the Covid-19 pandemic has had significant impact on the EU sports industry. 
  
  

Georgia is top of the list due to its tax restrictions on cryptocurrency mining activities. Furthermore, the overall costs of running a mining operation are substantially lower in Georgia. as Georgia takes place as the third biggest mining country in the world. The goal of this paper is to fill a deficiency in the existing literature that examines the present level of cryptocurrency acceptance, and adoption-influencing factors, offering an in-depth interpretation of these aspects and outlining certain problems associated with cryptocurrency adoption in Georgia. 
 This study employs a quantitative approach, a total of 175 people did take part in the poll (out of 200 questionnaire respondents). The survey was held in a hybrid manner, with the questionnaire being distributed in April and May 2022 in various cryptocurrency-selling locations throughout Tbilisi, the capital of Georgia. A structural equation model was applied in the paper (SEM). The findings of the study confirm that the measurement items and constructs in the proposed model are reliable and valid. The result of the study found that there is a positive relationship between future reward, innovativeness, knowledge, and cryptocurrency adoption. Furthermore, it was found that innovativeness is significant as a mediator between future rewards and cryptocurrency adoption.
  
  

The study examined the appraisal system and engagement as correlates of job effectiveness of academic staff. Two research questions and two hypotheses guided the study. A descriptive design of survey type was used. The population of this study comprised academic staff of Federal Colleges of Education, Lagos and Ogun States. The total population of the study is 637 lecturers. Simple random sampling technique was used in selecting a total of 300 lecturers from Federal Colleges of Education, Lagos State and Ogun State .Two researcher instruments tagged: Appraisal System Questionnaire (ASQ) and Engagement and Job Effectiveness Questionnaire (EJEQ) with 0.78 and 0.81 respectively were used for data collection. Regression analysis was used in answering and testing the research questions and hypotheses. The findings of the study revealed that there was significant joint contribution of the independent variables (appraisal system and engagement) on the dependent variable (job effectiveness of academic staff); R = 0.687, P< .05. About 44% of the variance in job effectiveness of academic staff was accounted for by the linear combination of the independent variables. The study recommended among others that appraisal system should provide accurate and relevant ratings of a lecturers’ job effectiveness as compared to pre-established criteria.