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19 articles for “Financial Inclusion”
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An Assessment of Recent Initiatives for Financial Inclusion with Reference to Social Security Motto Jan Dhan to Jan Suraksha in India
Abstract: This research paper aims at assessing the recent initiatives by the Government of India with reference to the financial inclusion of common people in India. Financial freedom is one of the agents of economic growth of a country. Looking at the enormous amount of opportunities towards economic development in India, financial inclusion of people becomes necessary. Financial inclusion has been a matter of wide discussion amongst the policymakers and the …
Published in International Journal of Rural and Regional Development · Vol. 2, Issue 1, 2024 · pp. 01–05 Read article
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Blockchain Technology and Inclusive Financial Systems in the Global South
Abstract: This paper explores how blockchain technology can promote financial inclusivity by providing decentralized, transparent, and secure financial services, particularly in the Global South, where conventional banking systems are frequently insufficient. Through a blend of literature review and empirical analysis, we assess blockchain's role in expanding financial access, using case studies from several developing nations. Our results reveal a promising potential for blockchain to improve financial inclusion, although obstacles such as …
Published in International Journal of Mobile Computing Technology · Vol. 2, Issue 2, 2024 · pp. 17–23 Read article
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Kinds of Digital Payment Technology: Exploring the Evaluation
Abstract: Digital payment technologies has revolutionized financial transactions, immolating faster, safe, and more approachable solutions. This paper inspects the evolution and types of digital payment systems, embrace Near Field Communication (NFC), Quick Response (QR) codes, mobile wallets, blockchain-based payments, and biometric authentication. It examines key drivers of adoption, such as accessible and technological advancements, while addressing threats like security risks and regulatory compliance. The study provides the role of these technologies …
Published in Journal of Telecommunication, Switching Systems and Networks · Vol. 12, Issue 1, 2025 · pp. 9–14 Read article
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Digital Payments as a Driver of Sustainable Consumption: A Consumer-Based Study of Perceived Challenges and Opportunities in FinTech Ecosystems
Abstract: The Digital Payment Systems evolved remarkably fast, and so, have transformed the way in which the consumer makes purchases for products and services as well as the way in which they function economically, i.e., how they consume things. Beyond convenience and efficiency, digital payments are increasingly viewed as a potential driver of sustainable consumption by reducing cash dependency, improving transaction transparency, and supporting responsible spending practices. This study examines digital …
Published in International Journal of Optical Innovations & Research · Vol. 4, Issue 1, 2026 · pp. 1–12 Read article
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Assessment of Factors Affecting Telebirr (Mobile Money) Project Implementation in the Case of Ethio Telecom Sector
Abstract: Background: Mobile money services facilitate financial transactions through mobile devices, reducing dependence on physical cash and promoting financial inclusion. The Telebirr Mobile Money project by Ethio Telecom is a key initiative in this domain. Objective: This study aims to examine the factors influencing the successful implementation of the Telebirr Mobile Money project within Ethio Telecom. Methods: A census survey was conducted among 75 project team employees at the Lebu and …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 13–19 Read article
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An Analytical study of Government Scheme for Farmers in Gujarat: Impact, Implementation Challenges, and Policy Implications
Abstract: Gujarat’s economy is mostly dependent on agriculture, which increases food security, rural employment, and state revenue. Despite the state’s notable progress in irrigation infrastructure and agricultural commercialization, Gujarat farmers continue to face challenges, such as market volatility, water scarcity, unpredictable weather, and rising input costs. The governments of Gujarat and India have implemented several initiatives aimed at addressing these problems, including crop insurance, irrigation expansion, farm mechanization, income support, digital …
Published in International Journal of Rural and Regional Development · Vol. 4, Issue 1, 2026 · pp. 38–44 Read article
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A Study on Perception and Behavior of Consumers Towards Digital Financial Transactions
Abstract: The rapid evolution of digital technology, coupled with increased smartphone usage and proactive governmental policies, has revolutionized the landscape of financial transactions. This study examines consumer perceptions and behavioral patterns related to digital payment systems, with a specific focus on usage trends, preferences, and concerns. Utilizing primary data collected through a structured survey of 110 respondents in North Delhi, the research reveals that digital transactions are predominantly perceived as convenient, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 60–69 Read article
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Attitude of Parents towards the Girl-Child Education in Biu Emirate, Borno State
Abstract: This study investigated the attitudes of parents towards girl-child education in Biu Emirate, a region characterized by socio-economic challenges and cultural complexities. Despite global advances in promoting gender equality in education, the Biu Emirate faced significant barriers that impeded educational opportunities for girls. The research aimed to identify the underlying factors influencing parental attitudes, including cultural beliefs, economic constraints, and security concerns. Data were gathered through surveys and interviews with …
Published in International Journal of Children · Vol. 2, Issue 1, 2025 · pp. 9–19 Read article
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From Cattle to Capital: A Review on SHGs, Dairy Farming, and Gender Empowerment in Rural India
Abstract: Self-Help Groups (SHGs) have emerged as a platform for encouraging women to start their own ventures in rural India, particularly through dairy-based enterprises. This review explores the role of SHGs in enhancing financial support, skill development, market access, and social empowerment among rural women. By utilizing savings and providing microcredit, SHGs enable women to establish and expand dairy ventures, contributing to household income and organized milk production. The integration of …
Published in Research and Reviews : Journal of Dairy Science and Technology · Vol. 15, Issue 2, 2026 Read article
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The Study of Preference on Skill-Based Training Among Household Women in Gudalur Town
Abstract: This study explores the need for skill-based training among women in households in Gudalur town, identifying preferred training types, choice-influencing factors, and participation barriers. Skill development is a critical component of women's empowerment, promoting financial autonomy and social mobility. Surveys were conducted with 50 women, who were chosen using a stratified random sampling method. The survey comprised demographics, most preferred training courses, perceived benefits, and participation barriers. Descriptive statistics was …
Published in International Journal of Community Health Nursing And Practices · Vol. 3, Issue 2, 2025 Read article
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Green Finance and India’s Climate Commitments: Aligning Financial Systems with Sustainable Development Goals
Abstract: India’s commitment to addressing climate change, as reflected in its Nationally Determined Contributions (NDCs), net-zero ambitions, and alignment with the United Nations Sustainable Development Goals (SDGs), has placed green finance at the center of the country’s sustainable development agenda. Green finance involves directing capital and investment flows toward projects and initiatives that are environmentally sustainable. It supports efforts to reduce climate-related risks, enhance resilience to environmental changes, and promote economic …
Published in International Journal of Sustainability · Vol. 3, Issue 1, 2026 · pp. 49–54 Read article
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Women Empowerment: The Essential Role of Education for Women in India
Abstract: Education has long been acknowledged as one of the most powerful instruments of social transformation, and in the Indian context, it holds unique significance for women’s empowerment. The empowerment of women is central to reducing gender inequality, dismantling patriarchal norms, and achieving inclusive growth. Women’s education does not merely provide literacy; it develops autonomy, fosters confidence, and equips women with the skills necessary for meaningful participation in social, political, and …
Published in International Journal of Trends in Humanities · Vol. 3, Issue 1, 2026 · pp. 20–24 Read article
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Multilingual Education and Language Policy in a Globalized World: Toward Inclusive and Equitable Learning Systems
Abstract: Multilingual education involves teaching and learning in two or more languages, promoting linguistic diversity and enhancing educational outcomes. It acknowledges learners’ native languages and integrates them with dominant or global languages to foster inclusivity and cognitive development. Multilingual education (MLE) serves as a critical framework for promoting inclusivity and equity within increasingly globalized and culturally diverse classrooms. This paper explores the role of MLE and the influence of language policies …
Published in International Journal of Education Sciences · Vol. 3, Issue 1, 2026 · pp. 64–74 Read article
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Decoding ‘I Do’s and ‘I Don’ts’: Exploring the Surge in Indian Divorce Rates
Abstract: The research explores the evolving dynamics of marriage and divorce in India, highlighting the rise in divorce rates due to increased stress, lack of bonds, and female independence. The study argues that women's financial self-sufficiency has led to a decrease in their willingness to tolerate unsatisfactory or abusive marriages. The research also emphasizes the influence of urbanization, Westernization, and changing attitudes toward marriage as factors contributing to the increase in …
Published in Recent Trends in Social Studies · Vol. 1, Issue 1, 2024 · pp. 17–24 Read article
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Electoral Engagement and Political Representation: An Analytical Study of Women’s Participation in India’s Democratic Process
Abstract: This study investigates the persistent disconnect in women’s political participation in India, where their consistently high voter turnout stands in stark contrast to their minimal presence in Parliament. Although constitutional provisions guarantee equality and women demonstrate strong engagement as voters, their representation within formal political structures remains disproportionately low. Using the 2024 Lok Sabha elections as a primary reference point, the research interrogates core questions surrounding this imbalance: Why does …
Published in OmniScience: A Multi-disciplinary Journal · Vol. 15, Issue 3, 2025 · pp. 1–23 Read article
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Curbing Speculation vs. Market Participation: A Study of SEBI’s 2024 Derivatives Measures
Abstract: The derivative market has become a cornerstone of India’s financial ecosystem, complementing the traditional stock market by enabling risk management, price discovery, and liquidity enhancement. However, with the rapid growth of this segment, concerns over speculative activities have prompted regulatory intervention. On October 1, 2024, the Securities and Exchange Board of India (SEBI) introduced significant reforms aimed at curbing speculation, protecting retail investors, and fostering market stability. While these changes …
Published in Research & Reviews : Journal of Statistics · Vol. 14, Issue 2, 2025 · pp. 28–43 Read article
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Open Educational Resources and Open Access Publishing in Higher Education: Policies, Challenges, and Collaborative Models
Abstract: Open Educational Resources (OER) and Open Access (OA) publishing are transforming higher education by promoting equitable access to knowledge, reducing costs, and fostering collaborative innovation. While OER focus on openly licensed teaching and learning materials, OA ensures unrestricted online access to scholarly research. Together, they form an integrated open knowledge ecosystem aligned with global policy frameworks such as the UNESCO OER Recommendation (2019) and the Budapest Open Access Initiative. This …
Published in International Journal of Trends in Humanities · Vol. 3, Issue 1, 2026 · pp. 7–12 Read article
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Climate-Induced Drought, Food Insecurity, and Adaptation Governance: A Multiscale Review of Risks and Policy Responses in Africa and South Asia
Abstract: Drought is one of the most critical climate-induced hazards, severely affecting agricultural systems, water resources, and human well-being, particularly in Sub-Saharan Africa and South Asia. This review provides a comprehensive analysis of the multidimensional impacts of drought by examining its effects on food security, population displacement, and institutional adaptation across selected case studies from West Africa, South Africa, and coastal Bangladesh. The findings reveal that increasing climate variability and prolonged …
Published in International Journal of Environmental Planning and Development Architecture · Vol. 4, Issue 1, 2026 · pp. 1–8 Read article
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The Evolution and Impact of Numbers: From Ancient Tallies to Quantum Computing: Review Article on Numbers
Abstract: Numbers are among the most fundamental constructs in human civilization, serving as the backbone of mathematics, science, technology, and virtually every aspect of daily life. They represent not only quantities and measures but also relationships, structures, and patterns that underpin the fabric of human understanding. From the earliest tallies etched on bones by prehistoric humans to the sophisticated numerical systems embedded in today’s artificial intelligence and quantum computing, the evolution …
Published in Research & Reviews: Discrete Mathematical Structures · Vol. 12, Issue 3, 2025 · pp. 15–19 Read article