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This study examines the relationship between the financial socialization agents, attitude toward money, and financial literacy with the mediating role of financial self-efficacy and the moderating role of mindfulness. The self-administered questionnaire was used for data collection from higher education institutions using the convenience sampling method because the sampling frame was not available. The data were tested using partial least square structural equation modeling (PLS-SEM) in smart PLS. The results indicated a positive relationship between financial self-efficacy, financial socialization agents, attitude toward money, mindfulness, and financial literacy. The finding of mediation analysis suggests the significant mediation effect of financial self-efficacy between attitude toward money and financial social agents with financial literacy. The mediation of financial self-efficacy between attitude toward money and financial literacy has the greatest impact which indicates that students with positive attitude and self-efficacy create high financial literacy. Whereas mindfulness positively moderates the relation of attitude toward money and financial literacy and negatively moderates the relation of financial self-efficacy and financial literacy while mindfulness does not moderate the relation of financial socialization agents and financial literacy. The findings of this research are of use to different stakeholders who are users or regulators of financial institutions because enhancing financial literacy has become a priority.

Maintaining healthy soil is essential for sustainable agriculture practices. A comprehensive study was conducted on 46 soil samples from the Chiniot district, analyzing various physical and chemical properties such as pH, Electrical Conductivity, Total Dissolved Solids, Sieve Analysis, Alkalinity, Total Hardness, Carbonates, Chloride, Calcium, and Magnesium. Geographic Information System (GIS) employing the Inverse Distance Weighting (IDW) technique was utilized for mapping. The majority of the soil samples were identified as loamy sandy and sandy loamy. Elevated alkalinity was observed across the area, with TDS values ranging from 25 to 450 mg/L, and EC varying from 10 to 300μS. Regions such as Chenab Nagar, Hast Khiwa, and Kanvanwala exhibited higher levels of hardness, carbonates, chlorides, calcium, and magnesium. Hydro-chemical facies comparison using diamond and piper diagrams revealed that the predominant compounds were Magnesium bicarbonate types (58%), where alkalis exceeded alkaline earths (100%). The prevalent cation type was Magnesium (100%), and the anion distribution showed no dominant type (52%), with an equal distribution of sulfate and bicarbonate types (48%), and none of sulfate and chlorides. These findings provide valuable insights for agriculturists, aiding in the selection of crops suitable for specific soil types. [ABSTRACT FROM AUTHOR]

In Pakistan, just 25% of the population has sustained access to high-quality drinking water, which is below tolerable limits. The study area under consideration was DHA Phase II, Islamabad, Pakistan. The research conducted aiming the valuable insights for the water quality testing using different parameters and piper analysis to relate the water quality. The purpose of the study was to examine the efficiency of the filtration plants in the sector by performing different tests on water samples. A total of 22 samples were tested for physicochemical contamination, heavy metals, and microbiological contamination. The investigation examined water samples at various stages, before, during, and after filtration. Samples were collected in water bottles as assigned by EPA that underwent washing with distilled water, rinsing, sealing, and subsequent transportation to the EPA lab. The samples underwent analysis utilizing Atomic Absorption and UV Spectrophotometry. The results underscore the necessity of the enhanced water quality standards as high concentration of lead, nickel, cadmium and chromium was detected along with high concentration of total hardness, sulfates and chlorides in various plants, which is quite alarming. In conclusion to our findings, it is strongly advised that authorities take proactive measures to supervise and maintain filtration plants to prevent contamination and enhance overall performance. [ABSTRACT FROM AUTHOR]

This study aims to investigate the mediating role of customer satisfaction in the nexus between service quality and service loyalty within the context of Islamic banks. Motivated by the unique dynamics of Islamic banking, where customers engage with a belief in Shariah compliance, the study explores the intricate relationship from service quality to satisfaction judgments and, ultimately, to loyalty. Utilizing a convenience sampling method, 218 responses were collected through a self-administered questionnaire distributed at a prominent Islamic bank service counter in Karachi. The study employs Structural Equation Modeling (SEM) to analyze the gathered data. The findings reveal a nuanced and partial mediation of customer satisfaction in the relationship between service quality and service loyalty among Islamic banking customers. This partial mediation suggests a distinctive loyalty pattern influenced by both the inherent quality of services and customers' satisfaction judgments. The results underscore the complex interplay in the Islamic banking landscape, shaped by the deeply rooted religiosity assumed within this context. [ABSTRACT FROM AUTHOR]

Manuscript type: Research article Research aims: This study investigates the impact of cognitive ability, money management skills, and cultural norms on the financial literacy of women working in the cottage industry. Design/Methodology/Approach: The study employs a crosssectional research design. Quantitative data were collected through questionnaires and analysed using Smart-PLS. Research findings: The results revealed that cognitive ability and money management was positively related to financial literacy. There was also substantial evidence to demonstrate the negative effect of cultural norms on financial literacy. Theoretical contribution/Originality: The findings provide empirical evidence on the importance of cognitive ability, money management skills, and cultural norms on financial literacy among women in the cottage industry. Practitioner/Policy implication: The government should emphasises policies that not only provide education, but also training and programmes that would improve cognitive functions. Cultural norms need to be changed in such a way that females being held accountable for financial decisions from an early age. There is a need to recognise, inspire, and empower women in the field of the cottage industry. Research limitation/Implications: This study uses a cross-sectional research design. Future researches can supplement the existing study by conducting studies with longitudinal research design and interviews. [ABSTRACT FROM AUTHOR]

Incivility at the workplace impacts individuals and organizations severely. As it affects the efficiency and effectiveness of the target and others, impacts social interactions, and impacts the organization's productivity. Yet most of the studies have investigated the predictors of incivility. This research discovers that how faculty experiences with incivility at work differ across demographic indicators precisely by their gender, age, job ranks, and job experience. Primary data was collected through a self-administered questionnaire from the faculty members of three public sector universities of Quetta. The independent t-test and one-way ANOVA were used to analyze the data which revealed that male faculty members are experiencing more workplace incivility compared to females in public sector universities of Quetta. Furthermore, there were no significant differences found among faculty members in experiencing incivility concerning their age group. The findings also suggest that faculty working as assistant professors experienced more workplace incivility compared to lecturers, associate professors, and professors working in sample universities. Finally, a faculty member with work experience of 6 to 10 years experienced more incivility. Incivility can lead to conflict spiral and subsequent repercussions therefore each university's management body should implement programs and policies to mitigate its negative effects. [ABSTRACT FROM AUTHOR]

The study aims to provide the discriminate relationship among the sensory hedonics, emotional conditioning, curiosity fulfillment, monetary benefit, and showing care with the buying decision of consumers. The data were collected through a self-administrative questionnaire from 260 respondents. Discriminant analyses were applied to identify the relative variables of consumption values because of the dependent categorical variable. The discriminant analysis showed that the curiosity fulfillment which is consumers need to seek novelty and variety was found to be the strongest predictor along with sensory hedonics that includes essential flower characteristics, in particular scent, freshness, and appearance while emotional conditioning and showing care to others was next in importance as a predictor and monetary worth was the worst predictor. This study also provides insights for flower retailers, marketing managers, and horticultural practitioners about the prioritization of cut flower features by floral buyers. [ABSTRACT FROM AUTHOR]

This empirical investigation is aiming to examine the factors predicting the financial stability of leading scheduled commercial banks in Pakistan from 2006 to 2017. Secondary data were analyzed by applying the static panel Fixed Effect (FE) estimator as well as dynamic panel regression analyses using the Generalized Method of Moments (GMM) estimator. The results based on the GMM estimator suggest that capital adequacy, profitability, liquidity risk, bank lending behavior, and bank size are significantly predicting the banks' financial stability among its internal factors, whereas, the credit risk and management quality are insignificant in the model. The industry-specific variable namely, market concentration proxied by the Herfindahl-Hirschman Index (HHI) is also showing a significant impact on the financial stability of banks significantly. Another interesting finding of this research is the insignificant impact of the financial crisis of 2007-2008 on the stability of commercial banks in Pakistan. [ABSTRACT FROM AUTHOR]

Objective: To correlate early and late mortality with markers of reperfusion in ST-elevation myocardial infarction (STEMI)., Background: Early reperfusion improves STEMI outcomes. Reperfusion can be assessed using angiographic (Thrombolysis in Myocardial Infarction [TIMI] flow grade or myocardial blush grade [MBG]) or electrocardiographic markers (ST-segment recovery (STR)., Methods: We searched electronic databases for all STEMI randomized clinical studies from the last decade reporting markers of reperfusion and clinical outcome. We used a generalized estimating equation (GEE) model with logistic regression link in order to assess the correlation between each marker of reperfusion and mortality at 30 and 365 days. We also performed random effect meta-analysis for selected studies comparing mortality for specific categories of MBG., Results: We identified 44 studies with 19,955 patients. Final TIMI 3 flow was achieved in 87%, 70% had MBG 2 or 3, and 66% had complete STR. Average 30-day and 1-year mortality was 2.97 ± 2.34% and 4.11 ± 2.52%, respectively. Adjusting (study level) for age, diabetes, chronic kidney disease, infarct location, ejection fraction, and female sex, there was significant correlation between each of the three markers and 1-year mortality (P=.03 for TIMI 3; P=.02 for MBG 2 or 3; and P=.04 for STR). In nearly 6000 patients, there was substantial excess mortality in those with MBG 0/1 compared with MBG 2/3 (relative risk = 2.14 [1.65-2.77] with P<.001 at 30 days; relative risk = 1.49 [1.3-1.7] and P<.001 at 1 year)., Conclusion: After correcting for clinical factors known to affect outcome, there was a significant correlation between survival and better reperfusion.