Introduction  Worldwide, 119 million girls have been denied the basic human right to education. 34 million are of primary school age, 28 million are of lower secondary school age, and 58 million are of upper secondary school age. (Unicef 2025). Girls who receive an education have a higher prospect of earning higher incomes, leading healthier, more productive lives and having the ability to determine factors that may affect them and their future generations. Denying girls the

Introduction 1.4 billion adults are regarded as “unbanked”; they have no account at a financial institution and they do not have access to formal credit or loans (Klapper et al. 2025) [1] . 41% of formal small and medium-sized enterprises (SMEs) have unmet financing needs (World Bank; International Finance Corporation 2022) [2] . In the conventional banking world, there is limited access to loans for small businesses and those who are financially vulnerable. Many small busine

Introduction Economic shocks and changes in the structure of the economy leave many people vulnerable to unemployment and poverty (Erumban and de Vries 2024) [1] . The welfare system was constructed to assist those suffering with poverty and financial instability by raising their quality of life (Federal Safety Net, 2024) [2] . Social benefits were implemented (initially in Germany) with the aim of ensuring the well-being of all citizens by providing them with a social safety

What is a psychopath? In order to evaluate the proposal of how psychopaths influence the progression of a business, we first need to understand what a psychopath is. One common misconception is that psychopathy is a disorder however, this is not exactly true as psychopathy does not appear in the DMS-5 as a diagnostic category. Psychopathy is actually a set of personality traits which individuals exhibit to varying degrees and is considered a form of personality pathology. It