proxies. In this spirit, this study considers CSR to be a latent variable measured by environmental (E), social (S), and governance (G) pillars. To overcome limitations of a single-equation regression, this

• Financial literacy does not lead to QoL directly • Financial literacy needs to be redefined to include “Digital literacy” • One needs to have willing attitude to learn new things to overcome risks

in its Q2 and Q3/2017 financial statements were incomplete and ambiguous, which is likely to affect the rights and interests of shareholders or the decision making on investment. For example, an

invest in some claim-to-be digital tokens which is in fact another form of Ponzi scheme. Such scheme can be detected by ambiguous business plans, products or platforms, as well as the lack of trustworthy

presentation of the investment amount and the gains from loss of control in subsidiaries. In addition, the information disclosed in its Q2 and Q3/2017 financial statements were incomplete and ambiguous, which is

Ponzi scheme. Such scheme can be detected by ambiguous business plans, products or platforms, as well as the lack of trustworthy personnel. Therefore, investors should be extra cautious not to get

business operators, should be supported. In regards to the legal sectors, we must also adjust and improve in accordance with the world, to overcome and obstacles and to be able to support the rapidity of

overcome this situation such as the adjusting caravan to mobility service center for repairing of the broken screen on mobile phone, shifting its marketing effort to provide caravans in both beach and

to overcome this situation such as the adjusting caravan to mobility service center for repairing of the broken screen on mobile phone, shifting its marketing effort to provide caravans in both beach

poverty, consumerism, and ignorance. Poverty has long been one of the most important issues policy makers strive to overcome. When there is insufficient wealth to nourish basic needs, indebtedness could