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This research aims to determine the factors that can affect financial literacy in Micro, Small, and Medium Enterprises (MSMEs), especially regarding loans and budgeting. Data are obtained using a survey of owners or managers of MSMEs, which is then processed using multiple regression. This research contributes toward a deeper understanding of MSMEs’ financial literacy determinants, specifically regarding loans and budgeting, in a pandemic situation that differs from ordinary circumstances and encourages many financial activities to utilize technology. The research results indicate the role of Financial Education, Money Attitude, and Financial Socialization Agents in determining MSMEs’ financial knowledge and skills regarding loans and budgets.

This chapter gives a general overview of the book, indicates the rich diversity of information literacy (IL) and information behaviour (IB) work carried out and is organised into four broad areas moving from the strategic to the highly contextualised. The four areas are specifically: strategic view; delivering information literacy education; the link between university and work; beyond higher education. The approach for each chapter is summarised. This chapter also examines the inter-related nature of the concepts of information literacy and information behaviour. It shows how these ideas are contextualised, theorised and researched. The authors argue that far from being conflicting approaches to the same problem of information capability, they are, in fact, complementary. Though these are epistemologically different both have much to offer in terms of explanation and also as tools for fostering information capability. The history of information literacy and information behaviour is overviewed and their inter-relation explored. It is argued that information literacy can be viewed as the practitioners’ model for delivering information capability whilst information behaviour, being more research focussed, explains it. A diagram is presented at the end of the chapter which helps to highlight and summarise the distinctions and similarities between IB and IL research.

Financial literacy, capability and behavior are crucial factors in personal financial management, which in turn plays a significant role in individual and societal financial well-being. The objective of this investigation is to explain critical factors and dimensions of personal financial management systems by employing a hybrid approach that encompasses a bibliometric analysis and a systematic review of the literature.

The research team carefully evaluated a selection of 606 scholarly articles from the Scopus database and studied the evolution of personal financial management behavior over 38 years (1986–2023). This research adopted several graphical representations and network structures to comprehend publishing tendencies, high-impact papers, theoretical frameworks, intellectual constructs as well as the current state of research collaboration.

Four major clusters were identified in the field of personal financial management behavior: the relationship between financial literacy and financial capability, factors influencing financial behavior, the impact of financial behavior on financial well-being and the financial behavior of different demographic groups. In addition, by performing content analysis on papers published within the last five years, new themes in personal financial management behavior were identified.

This investigation serves to equip financial advisors, policy architects and scholarly investigators with a deeper insight into the intricacies of personal financial management behavior and aids in pinpointing prospective domains for forthcoming research.

This study seeks to address a significant vacuum in the current body of research by providing a thorough bibliometric analysis that specifically examines financial literacy, ability and conduct. To the best of our knowledge, no previous research has conducted such a comprehensive investigation in this field. This research aims to identify important researchers and influential works in the subject by using a mixed-methods approach that combines qualitative and quantitative methodologies, including content analysis. The purpose of doing this is to provide exclusive insights and expertise that can be highly valuable to scholars, practitioners, policymakers and other stakeholders who are interested in furthering the comprehension and encouragement of financial literacy and responsible financial behavior.

Notwithstanding their potential benefits especially for individuals with low health literacy, users are still somewhat skeptical about the reliability of healthcare chatbots. The present study aims to address this challenge by investigating strategies to enhance users’ cognitive and emotional trust in healthcare chatbots. Particularly, this study aims to understand the effects of chatbot design cues in increasing trust and future chatbot use intention for low health literacy users.

We conducted two experimental studies with a final sample of 327 (Study 1) and 241 (Study 2). Three different chatbots were developed (Chatbot design: Bot vs Male-doctor vs Female-doctor). Participants were asked to have a medical consultation with the chatbot. Participants self-reported their health literacy scores. The PROCESS model 7 was used to analyze the hypotheses.

The results showed that the female-doctor cues elicited greater cognitive and emotional trust, whereas the male-doctor cues only led to greater cognitive trust (vs bot-like cues). Importantly, this study found that users’ health literacy is a significant moderating factor in shaping cognitive and emotional trust. The results indicated that both the female and male-doctor cues’ positive effects on cognitive trust were significant for those with lower levels of health literacy. Furthermore, the positive effect of the female-doctor cues on emotional trust was also significant only for those whose health literacy level was low. The increased cognitive and emotional trust led to greater future intention to use the chatbot, confirming significant moderated mediation effects.

Despite the strong economic and educational benefits of healthcare chatbots for low health literacy users, studies examining how healthcare chatbot design cues affect low health literate users surprisingly remained scarce. The results of this study suggest that healthcare chatbots can be a promising technological intervention to narrow the health literacy gap when aligned with appropriate design cues.

The current study examines the relationship between financial literacy and small and the performance of medium enterprises (SMEs), focusing on the moderating role of financial access.

The population of this study consists of present SMEs in Kuwait, from whom a sample of 155 businesses was chosen. This study adopted a cross-sectional time frame and analyzed the collected data using partial least square structural equation modeling, and Smart-pls 4 software was applied for calculation.

This research reveals that financial literacy significantly influences SME performance, consistent with previous studies, showing that higher financial literacy promotes entrepreneurs' financial management capabilities and enhances business outcomes. Also, the study supports that financial access significantly moderates this relationship, pointing out that adequate access to financial services boosts the benefits of financial literacy.

Major implications of this study compromise the urgent need for customized financial literacy programs and policies promoting financial thoroughness, particularly in enhancing economies. The study recognizes limitations such as its cross-sectional design, small sample size and reliance on self-reported measures, suggesting further research use longitudinal approaches, a larger sample and objective measures.

The authors’ recommendations contain comprehensive financial literacy training, development of targeted financial education initiatives, promotion of sound financial management practices and policies to enhance financial access and inclusion, all aimed at boosting SME performance and contributing to economic growth.

To the best of the authors’ knowledge, this study is Kuwait’s first of its sort. Thus, the research is even more critical in Kuwait, where social and corporate values differ significantly. Therefore, this study aimed to investigate the relationship between financial literacy and the performance of Kuwait’s SMEs moderated by financial access.

Recently, financial inclusion promoters have observed that financial literacy is a vital tool for financial inclusion growth, especially among the poor who are considered financially illiterate. The purpose of this paper is to look at the role of Islamic financial literacy (IFL) and inclusion in improving the performance of micro, small and medium enterprises (MSMEs) in Indonesia.

This study uses questionnaire data collected as many as 197 MSMEs. This study was analyzed using structural equation modeling approach to test the hypothesis.

The results show that IFL is an important variable to increase Islamic financial inclusion. The results also show that both have a significant influence in developing the MSME sector business.

This research is not without limitations. This study only adopted a sample in one Province in Indonesia with focus on creative economy sector and some others sectors located in the province of Riau, therefore ignoring suburban and urban areas in Indonesia. Therefore, future studies using a cross-sectional research design are feasible. In addition, this study only uses quantitative data, so that qualitative research with key informant interviews can be considered for further research.

The findings of this study enlighten policymakers, managers of financial institutions and advocates of financial literacy and inclusion about the importance of improving the performance of MSMEs. As a policy recommendation, this study suggests that Islamic policy makers and financial institutions should play a proactive role in increasing service outreach and providing the regulatory environment needed for MSMEs given the important role MSMEs play in the Indonesian economy.

This study combines functional components (behaviors and attitudes) and nonfunctional measures (knowledge and skills) of financial literacy and financial inclusion in explaining the performance of MSMEs. Thus, this research is an initial effort to explain financial literacy and inclusion on the performance of MSMEs.

The ultimate aim of \ill\ mass literacy campaigns by the Federal Government \ill\ Nigeria in September 1982 was to eradicate illiteracy in Nigeria by the year 2000. Subsequently, several agencies such as the National Commission for Mass Literacy, Adult and Non‐formal Education; Agency for Mass Literacy, etc. were established to achieve this objective. But the library has not been considered as an important agent for promoting mass literacy campaigns. Discusses the roles of the library in the promotion of literacy and suggested strategies to adopt for using the library for mass literacy campaigns in Nigeria.

The purpose of this paper is to elaborate on the impact of digital literacy with its dynamic and evolutionary nature on the daily lives of individuals. This paper discusses about the digital literacy frameworks, digital literacy education, its relation to critical thinking and, ultimately, prospective issues in digital literacy.

To serve this purpose, the authors applied the qualitative literature review technique and reflected their opinions on the recent literature findings.

The preliminary findings demonstrated that there is a growing tendency on digital literacy over the years. Different organizations and cases have developed their own frameworks to describe and implement digital literacy endeavors in their bodies. Additionally, it was seen that digital literacy acquisition process have started with family in early ages and extended to lifelong learning approach. While learners use the internet sources (especially social media), they also develop their digital literacy skills and abilities that also need critical thinking for filtering what is essential. Considering “information suppression” as a case, we learn that digital literacy will be much more serious for the future generations. Lastly, digital literacy will expand its scope in the future in parallel to recent advancements, such as artificial intelligence skills.

This paper provides an insight into digital literacy from the points of view of global citizenship, critical thinking and rapidly advancing technologies. This unique combination makes this paper valuable for the readers from any field of study.

The purpose of this paper is to focus on academics' point of view towards integration of information literacy into the curriculum.

This meta‐synthesis analyzed 48 journal articles that examined issues related to integration information literacy into the curriculum. Using the Stevick‐Colaizzi‐Keen method, a meta‐synthesis of seven studies was conducted.

This process revealed four themes that outline issues related to the academics perspective: collaboration; information literacy pedagogy; information literacy skills; and knowledge.

As this is a literature review, one limitation is lack of literature on perceptions towards information literacy. The issue will be examined further with a wider population.

These results suggest that more knowledge is needed to integrate information literacy into the curriculum to prepare information literate students who can effectively learn information literacy skills and research strategies to be lifelong learners.

The paper explores academics' perceptions towards information literacy and shows the importance of their perceptions as a key step towards embedding its successful adoption.

The purpose of the paper is to highlight the differences in literacy and schooling attainment among the scheduled tribe women in India.

The paper uses data from the Census of India, Department of Education in India, and National Human Development Report prepared by the Government of India.

The high status of women among the tribal groups in the northeastern states has important effects on the literacy rates, enrollment ratios and dropout rates of girls in that region. High‐poverty rates pose to be significant obstacles in attaining literacy and education among tribal women in India. However, large differences in literacy rates in the various states in India show that social and cultural norms, proximity to the mainstream Hindu culture, and the role of women are also important determinants in achieving literacy among tribal women.

Literacy is considered to be an important tool for improving the status of women among the scheduled tribes. Aggregate statistics often paint a dismal picture of the low‐literacy rates and schooling among the scheduled tribe women. This paper shows that such statistics fail to capture the different trends in literacy rates and value placed in schooling among the various tribal groups in India. Differences in economic, social, and cultural backgrounds among the various tribes need to be emphasized in order to understand the differential nature of investments in literacy rates and schooling among tribal women in India.