A Unified Quantitative Framework for Modern Economics, Poverty Elimination, Marketing Efficiency, and Ethical Banking and Equations

Abstract

Contemporary economic systems continue to struggle with structural inefficiencies that manifest as persistent poverty, widening inequality, speculative financial instability, and marketing inefficiencies disconnected from real productive value. Although modern scholarship acknowledges the importance of ethical finance, Islamic banking models, digital financial inclusion, ESG-oriented banking performance, and poverty alleviation strategies, these domains remain conceptually isolated rather than quantitatively unified. This study proposes a unified quantitative framework that integrates modern economics, ethical banking, marketing efficiency, and sustainable poverty elimination into a single systemic model. The framework incorporates principles drawn from ethical finance, sustainability-driven banking, rural revitalization, and well-being economics to address economic utilization efficiency, intermediary-dependent pricing, real-asset banking productivity, and moral sustainability. Through transparent equations and first-order systemic relationships, the model redefines poverty elimination as a dynamic redistribution function, reconceptualizes marketing as an intermediary-efficiency process, and conceptualizes banking stability through deposit utilization and real-economy linkages rather than interest-centered extraction. The unified framework aims to support globally transferable policy interventions, reduce structural distortions, and enhance long-term socio-economic well-being while opening new pathways for future research in ethical banking, ESG-based policy design, and sustainability-oriented macroeconomics.