Climate variability is variation of climate elements from the longterm mean state on all spatiotemporal scales. Climate variability affects microfinance institutions directly and indirectly through physical and transition risks. However, no studies have analyzed the effects of climate variability in relation to informal microfinance institutions. The study, therefore, analyzed the effects of climate variability in relation to informal microfinance institutions. It used a descriptive study design and multi-stage sampling design. Data was analyzed using thematic analysis, descriptive analysis, and Kendall's tau-b correlation analysis. The study found a positive trend in climate variability $\left(\tau_b=0.174, \alpha>0.05\right)$. Local people are highly vulnerable to climate variability as confirmed by $98.7 \%$ of the respondents who observed that climate variability affects their livelihoods. This vulnerability stems from the effect of climate variability on access to capital assets and livelihood strategies. Vulnerability to climate variability has a significant negative effect on loan repayment performance, loan access and sustainability, and hence on informal microfinance performance ($\tau_b=-0.109, P<0.01$). Nevertheless, climate variability increases participation in informal microfinance institutions as shown by the positive relationship with the number of people who joined informal microfinance institutions $\left(\tau_b=0.239, P<0.01\right)$ and the number formed per year $\left(\tau_b=0.137, P<0.01\right)$ from 1981 to 2018. This is because informal microfinance institutions help vulnerable households in building resilience to climate variability as observed by $80.8 \%$ of the respondents. The characteristics of informal microfinance institutions have positive or negative relationships with vulnerability to climate variability. These relationships are and could be further leveraged upon to address effects of climate variability on informal microfinance institutions. Detailed contextual analysis of informal microfinance institutions in the nexus of climate variability is thus imperative to inform actions aimed at cushioning the groups and their members against the impacts.

Waste management and promotion of source separation by the public requires identification of the determinants of waste separation behavior, raising awareness, and reinforcing such behaviors. The present study aimed to determine the status of source separation behavior and identify the barriers, benefits, and factors affecting this behavior in Iran. This is a descriptive-analytic cross-sectional study conducted on 300 women selected through stratified sampling. The questionnaire applied included three sections. The validity and reliability of the self-made questionnaire were confirmed. In this study, descriptive statistics including the percentage, frequency, mean and standard deviation were used to describe the data, while chi-square and Fisher exact tests were applied to analyze the data. Logistic regression test was also used to determine the predictors of waste separation behavior. Only 17.7% of the respondents separated the wastes regularly. The age, level of education, benefits (OR = 6.746; 95% CI = 2.534–17.959), structural barriers (OR = 12.734; 95% CI = 3.516–46.119), motivation (OR = 9.613; 95% C I= 3.356–27.536), awareness (OR = 3.917; 95% CI = 3.351–11.356), and social norms (OR = 2.905; 95% CI = 1.030–8.191) were the determinants of source separation behavior. Considering the low participation rate in waste separation, efforts required to enhance such behavior need proper policy-making, training programs, and infrastructure to encourage the individuals to participate actively in waste separation. Educational interventions and campaigns are recommended to be designed to raise awareness and empower people.

In recent decades, the concept of Ecosystem Services (ES) has generated a paradigm shift in the perspective of human society on nature and has had an important awareness-raising role concerning the importance of ecosystems. However, the concept has not been capable to stop the loss of biodiversity and nature in order to meet the societal challenges of ES provision, especially in urbanized territories. From the reviewed literature, it is obvious that implementing the ES concept within spatial design and planning processes poses several difficulties. In this context we state that a more comprehensive approach is needed of which the ES concept is part. To move to genuine landscape change and a shift in land use and land stewardship, we argue that a landscape design approach can play a significant activating role. The goal of this paper is to underpin this assumption from a theoretical and methodological point of view. The paper first gives an overview of the difficulties that the field of ES science and practice is facing when implementing the ES concept in landscape design and planning processes. Then a landscape design approach is presented as an alternative approach and a possible way forward for genuine landscape change to meet the societal demand for ES (Fig. 1).

Revenue mobilization is critical for community-managed water systems to overcome financial constraints and to achieve financial sustainability. Using data from beneficiaries of a community managed water supply system in Ghana, we employed descriptive statistics, chi-square, perception index and document review of the system’s financial reports to assess beneficiaries’ views and perception on revenue mobilization for operations and maintenance, system expansion as well as sustainability of the project. The results showed that revenue mobilization for sustainability of operations and maintenance is significantly influenced by water connection type and religion while marital status, age and income of beneficiaries determine sustainability of the project’s expansion. The findings further revealed a significant relationship between sustainability of replacement of the project’s accessories and water connection type as well as gender, marital status, age and income of beneficiaries. The average perception index of 3.2 showed that beneficiaries perceived revenue mobilization as very good for replacing the water system’s accessories. Revenue mobilization is able to support the water system’s expansion to help meet the increasing water demands. In addition, with an average perception index of 3.6, the beneficiaries’ perception was that revenue was enough to fund operations and maintenance. Furthermore, the document review of the system’s financial reports confirmed beneficiaries’ perception of sufficiency of revenue for operations and maintenance. Finally, we found weaknesses in revenue mobilization with over 40% of bills in arrears, mostly from private users. To build resilience to the financial challenge with enhanced innovations, the study recommends the institution of effective debt recovery strategies such as the provision of pre-paid metering for private users, similar to the public standpipe pay-as-you-fetch system as well as the introduction of smart tap technology for public standpipes in community-managed water supply systems.