In the aftermath of global financial crises and amid increasing complexity in banking operations, understanding and managing various types of risk - especially liquidity, credit, and solvency risks - has become a global concern for financial stability. This study addresses a critical gap in the...

Sustainable economic growth is possible not only with physical investments but also with strong human capital that enables the training of qualified, productive, and innovative individuals. The relationship between the number of university students (doctorate, master's, and undergraduate) in...

Retail prices for a product vary across time and places. The sources that drive price dispersion can be grouped into three categories: (i) price differences across markets, (ii) price differences across stores in a market, and (iii) within-store price variation over time. I find there is price...