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The purpose of this paper is to describe the first and novel beam splitting day-lighting system possessing highest possible solar transmission efficiency to provide illumination to the core and underground areas of any structure/building.

In this system, by using a number of individually pointable thin and light optical elements mounted on a top of structure/building, the solar light is concentrated. The concentrated beam is focussed to a secondary reflecting element which directs it to a beam splitter while passing through a Fresnel lens and a horizontal solar pipe. The beam splitter located inside the structure/building splits the solar beam into a number of secondary beams using a special arrangement of a number of inbuilt light guiding optical elements inside the beam splitter. The beam splitter produces a desired number of beams which are then redirected to the beam diffusers with the help of the solar pipe and the solar pipe joint which deflects the light at the angle of 90°.

The system considers the use of highly sophisticated and the highly efficient optical elements so that to attain the highest possible end-to-end efficiency of the system. The system has the highest potential to transport the solar energy to larger distances than all the available day-lighting systems and possesses the potential to be used for underground human colonisation.

The widespread adoption of such a system could substantially reduce energy consumption worldwide, which would contribute to bring down the increasing slope in the graph of greenhouse gases.

The paper presents the novel beam splitting day-lighting system.

This study examines the role of the big five personality traits: conscientiousness, openness, extroversion, neuroticism and agreeableness in financial planning.

The research design is a quantitative approach. The study has used structured questionnaires to collect data from 403 business students. The hypotheses were tested through structural equation modeling using AMOS.

The findings revealed that extroversion of personality traits have a significant negative influence on financial planning, neuroticism and conscious personalities have a significant positive effect on financial planning. However, two personality traits, namely openness and agreeableness, have no significant influence on financial planning. The study confirmed that out of five, three personality traits have significant impact on financial planning.

The results suggest that all personality traits do not influence financial planning among students. Financial planning is deemed an essential decision in life. Although some people are very conscious about their future expenditures, others are not much concerned. Based on the findings, this study recommends that policymakers may conduct workshops and arrange seminars and conferences for the promotion of financial planning and individual's financial well-being. The government needs to promote financial education that can directly and indirectly enhance the saving planning capabilities of the people.

The results suggest that not all personality traits facilitate financial planning. Financial planning is deemed as a crucial decision in life. Some students are very conscious about their future expenditures, while others are not much concerned. This study recommends that policymakers conduct workshops and arrange seminars and conferences to promote financial planning and individuals' financial well-being. The government of Pakistan needs to promote financial education that can, directly and indirectly, enhance the savings and planning capabilities of the students.

This research contributes to the personality literature, the theory of planned behavior and the life cycle theory by testing the model based on empirical evidence. The current study is the first to focus on the role of the big five personality traits in financial planning among students in Pakistan, an emerging economy.

This study aims to identify enablers of belief and ethics-based marketing practices, establish relationships among the factors and present them in a hierarchical model to derive critical insights. This paper emphasizes interpretations of the in-depth interviews to decipher the market pervasiveness of the evolved model.

In-depth interviews were conducted with individuals and small groups of informed and elite respondents pursuing marketing guided explicitly by ethics and led by belief. The interview data further corroborated with the related literature contributed to specific factors. Finally, interpretive structural modeling has been implemented step by step to develop a systematic model for enablers.

This paper contributes a structural relationship of morality and ethics, strengthening faith and belief through philosophical understanding, which traverses into the actions related to societal benefits with the support of market opportunity development while bringing in value, enhancing the demand in return and establishing market pervasiveness. The crux of this paper is that the foundation of belief will reduce the hierarchy of other related factors while strengthening their interdependencies with equity to contribute to the development of the pervasiveness of the market for such organizations.

To the best of the authors’ knowledge, this is the first study exploring and examining the enablers contributing to belief and ethics-based organizations’ pervasiveness along with their interrelationships. The initial intrigue that led to the inquiry was evidence of the market pervasiveness of such organizations’ products and services across various streams.