Economic factors

The purpose of this study was to clarify and analyze the factors affecting the access of Zanjan province football teams to higher levels of national leagues in Iran. The method of this study was mixed. The research population consisted of 193 coaches and 18 members selected from chairpersons and secretaries of Zanjan province football associations. The sampling was purposive at the interview stage, but at the stage of distributing the questionnaire, given the limited number of first, second, and third-class coaches and also the limited number of chairpersons and secretaries of football associations, the samples were selected through total sampling approach and in the case of class 4 coaches, 108 subjects were chosen according to Morgan table. The research tool was only a questionnaire. The validity of the questionnaire was approved by 12 experts and its reliability was found to be 0.94 according to Cronbach's alpha. For data analysis, Kolmogorov-Smirnov, Binomial, and Friedman tests were used. The results of the research showed that among the general factors except for the research and education, the effect of other factors including economic, technical, facilities and equipment, managerial, psychological, social, and cultural, and among the minor factors, 22 out of 29 factors are significantly higher than the average. Considering the explained factors and investment in these factors can help the football teams in Zanjan province to promote to the higher Levels of national leagues in Iran.

This study was aimed at clarifying the position of environment and heredity in scholastic aptitude by investigating the role of family, educational, and economic factors in the scholastic aptitude of ninth-grade students. This applied study adopted a quantitative approach and a descriptive causal- comparative method in terms of data collection. The statistical population of the research included all 1,234,641 students in the ninth grade of the secondary schools in Iran in the academic year of 2020–2021. The sample size contained 11790 students selected through proportionate stratified random sampling. The data were collected using a 64-question Scholastic Aptitude Test and analyzed using descriptive statistics as well as the MANOVA using the SPSS 25 software. The research results showed that among the family factors, the mother's educational level; among the educational factors, the type of school and educational assistance classes; and among the economic factors, the family income, had a significant role in the students' scholastic aptitude (P < 0.05). Moreover, the linear combination of family factors and educational factors does not have a significant role in scholastic aptitude while the linear combination of economic factors has a significant role. In general, among family, economic, and educational factors, economic factors have a more significant role in scholastic aptitude.

Macroeconomic factors significantly influence a country's economy and financial markets, thereby playing a pivotal role in the development of financial products. The PESTEL framework serves as a comprehensive analytical tool to examine the impact of political, economic, social, technological, environmental, and legal factors in identifying opportunities and threats for financial product development. This study utilizes the PESTEL model to analyze the impact of macroeconomic factors on the evolution of financial products and explores the associated opportunities and challenges. The research investigates macroeconomic factors such as interest rates, inflation, economic growth, political stability, societal changes, technological advancements, growing environmental consciousness, and regulatory frameworks. Data were collected from reliable secondary sources and analyzed using qualitative content analysis. Findings indicate that political stability and government support for financial innovation can foster the development of new products. Conversely, political instability and unexpected regulatory changes pose significant threatsto financial firms. Economic conditions like interestrates and economic growth exert a substantial influence on market demand and access to capital. The results suggest that lower interest rates and economic growth create favorable opportunities for financial product development.Furthermore, evolving consumer needs and preferences, coupled with technological advancements, particularly in fintech, are transforming financial processes and customer experiences, enhancing efficiency, and improving customer satisfaction. Additionally, the increasing focus on environmental issues has driven demand for green and sustainable financial products. This research recommends that financial managers and policymakers analyze and understand these factors tocapitalize on emerging opportunities and mitigate risks by adapting to environmental and technological changes. Future research can delve deeper into the intricate relationships between these factors through a more international perspective