We develop a methodology to optimally design a financial issue to hedge non-tradable risk on financial markets.The modeling involves a minimization of the risk borne by issuer given the constraint imposed by a buyer who enters the transaction if and only if her risk level remains below a given threshold. Both agents have also the opportunity to invest all their residual wealth on financial mark...

The introduction of modern digital technologies into the practice financial market entities contributes to resolution contradictions in economic relations between suppliers and consumers products by forming a local compromise. digitalization services helps increase physical tariff accessibility services, reduces costs company expand its client portfolio. However, it should be noted that product...

Empirical research suggests that financial inclusion initiatives – such as facilitating access to financial resources or providing microcredit – are alone not enough to lower socioeconomic disparities. In this article, we adopt a critical stance as a guide for our empirical investigation. Our aim is to propose a financial education framework, tailored to low-income micro-entrepreneurs, that emb...