INTERNATIONAL JOURNAL OF GLOBAL RESEARCH INNOVATIONS & TECHNOLOGY (IJGRIT) (An International Multidisciplinary Quarterly Double Blind Peer Reviewed Refereed Journal) (ISSN:2583-8717)

Publisher :

Prof.(Dr.) S.S Modi ( Shyam Sunder Modi) 
President, Inspira Research Association,Former Professor & Head, Department of Accountancy & Business Statistics, Faculty of Commerce, University of Rajasthan, Jaipur
25, Sudama Nagar, Opposite Glass Factory, Tonk Road, Jaipur-302018 Rajasthan
Email Id: editor@inspirajournals.com , profdrssmodi@gmail.com
Mobile No: +91-9829321067
IJGRIT

Impact Factor of Journal

Year IJGRIT
2023 6.382

Vol. 1 | No. 4 | October - December 2023

Title: COVER PAGE

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Title: CONTENTS

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Title: IMPORTANCE OF WORLD HERITAGE SITES: PROSPECTS AND CHALLENGES IN AGRA REGION, INDIA

Authors: Dr. Sunaina Charlet Nickels

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Tourism is one of the offshoots of Commerce and Industry and has been an integral part of Indian culture and tradition. The Tourism industry is a multibillion industry in India. It’s potential and needs an indicator in terms of its economic magnitudes. All types of tourism in India have registered growth in the last decade ever since the Indian government decided to boost revenues from the tourism sector by projecting the country as the ultimate tourist spot.It is the world’s largest and fast growing labor intensive industry in the nation with gigantic potentials for its further expansion and diversification. It also considers the effects of tourism economic growth in India, major players in the economic growth, role of Indian tourism industry in GDP, contribution of Indian tourism industry to foreign exchange, FDI and employment generation. Travel and tourism not only provides livelihoods for both rural and urban communities, but also has the capacity when planned, developed and managed properly – to enhance community relations and build bridges of understanding and peace between nations. The present study describes important World Heritage Sites in Agra, India and analyses the factors contributing to their popularity among global tourists. The study provides an in depth account and tourism growth potential of the Taj Mahal, the Agra Fort, and Fatehpur Sikri, in Agra-Circle (as per Archaeological Survey of India Classification).

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Keywords: Tourism, Historical, Spiritual, Global, Heritage.

Page 01-06

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Title: TIBETAN WOMEN: HOMELESS IN THEIR HOMELAND

Authors: Shruti Sharma & Punit Shukla

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Over the two decades following the Uprising, the Chinese authorities systematically demolished more than 6,000 Tibetan monasteries, nunneries, temples, and sacred sites, resulting in the suppression of extensive traces of Tibetan culture. A comprehensive survey conducted in 1984 by the Tibetan Government-in-Exile revealed that, directly due to the Chinese occupation, an estimated 1.2 million Tibetans had lost their lives due to the ravages of war, famine, forced labor, executions, torture, and suicide. Following a series of pro-independence demonstrations by Tibetans in 1987, the People's Republic of China (PRC) implemented a harsh policy of ruthless repression against the dissenters. In 1989, martial law was declared in the Tibetan Autonomous Region (TAR). Tibetans have consistently expressed their opposition to the Chinese occupation of their homeland, periodically staging protests to garner international support for their cause. Numerous Western travelers who bore witness to the oppressive conditions faced by Tibetans within Tibet played a pivotal role in mobilizing an international movement aimed at aiding their non-violent struggle.

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Keywords: Tibetan Women, TAR, PRC, Violence, Sexual Exploitation.

Page 07-10

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Title: INSIGHTS INTO JOB SATISFACTION OF FEMALE MEDICAL PRACTITIONERS: A STUDY OF GENDER AND PROFESSION IN THE HOSPITAL SYSTEM IN SRIGANGANAGAR

Authors: Susheela Jakhar & Shalini Sharma

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After the existence, the man has tried to understand the nature, environment and his own physical and psychic being. The curiosity and cognitive pursuits of mankind paved the path for searching secrets of nature, understand and control theses according to his needs and requirements. After fulfillment of the biological, institutional imperatives, man sought to understand his own being and what ails his physical and mental being. These circumstances forced him to find ways and means for good health. Through innumerable efforts over centuries, man could understand, learn and create an expertise in art of being him fit and healthy. These specialized individuals would also carry forward the task of finding remedies to unknown ailment and diseases.

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Keywords: Job Satisfaction, Medical Practitioners, Diseases, Environment, Hypertension.

Page 11-16

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Title: AUTOBIOGRAPHICAL ELEMENTS IN DAVID COPPERFIELD

Authors: Dr. Vinod Kumar Bairwa

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The biography or memoirs of a person written by him or herself is called an autobiography. It contains "a continuous narrative of the major events of his past". Some autobiographies start from the childhood but some others are different. The growth of autobiography in the West has gone hand in hand with that of the novel. There are many novels which are either autobiographies in disguise or borrow the autobiographical form of confession. These are called fictional autobiographies. Daniel Defoe's Moll Flanders Charlotte Bronte's Jane Eyre Charles Dickens's David Copperfield and J.D. Salinger's The Catcher in the Rye are well-known examples of fictional autobiographies.

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Keywords: Autobiography, Novel, Confession, Charles Dickens, Adolescence.

Page 17-19

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Title: WEALTH TECH IMPACT ON THE WEALTH MANAGEMENT SECTOR

Authors: Neetu Yogi

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Despite major worldwide setbacks (the dot-com bubble, the subprime crisis, and the COVID-19 epidemic), global wealth has been steadily rising over the past 20 years, rising from 80 trillion USD to 220 trillion USD. The wealth management sector, which helped maintain the rate at which the world's wealth increased over this time, has been under a lot of stress. But it appears to be dealing with far bigger problems now than in the past. In addition to external factors like political stability, natural occurrences (like pandemics), or the threat of an economic downturn, industry trends like rapid digitization, significant pressure on cost management, ongoing generational wealth transfer, rapidly changing customer profiles, and threats from Big Tech entry all have a significant impact on the wealth management sector. The purpose of this research study is to familiarize readers with the notion of wealth technology as well as major trends in the global wealth management industry.

Design/Methodology/Approach: The following approaches have been used for the paper's objectives: comparative analysis of presented data and critical examination of literature, including research publications. The purpose of the study paper is to acquaint the reader with both the concept of Wealth Tech and the major trends in the global wealth management industry.

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Keywords: Asset Management, Wealth Management, Wealth Tech.

Page 20-26

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Title: CONSUMER’S PURCHASE INTENTION OF ELECTRIC VEHICLES IN INDIA

Authors: Dr. Manita Arora

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Advances in environmentally friendly sustainable mobility technology, such as electric vehicles, are regarded as critical approaches to reducing greenhouse gas emissions via the automotive sector. However, the adoption of electric vehicles isn't happening at the desired rate in India, though it is expected to increase in the future years. Several car manufacturers are stepping up manufacturing of electric vehicles. The objective of this research is to understand the consumer behaviour toward electric cars, state of electric cars in globally and in India influencing the intention to adopt electric vehicles. This study provides useful information regarding the initiatives, schemes, and programs introduced by the government in order to promote the expansion of the EV sector. The study adds to the current scenario of the EV sector in India. In practice, the findings of this study can help policymakers and planners enhance the pace of the adoption of Electric Vehicles.

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Keywords: Electric Vehicles, Eco-Friendly, Consumers’ Purchase Intention.

Page 27-31

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Title: A STUDY OF THE EFFECTIVENESS OF PREZI VISUALIZATION TOOLS ON PUPILS’ ACHIEVEMENT IN BIOLOGY AT THE SECONDARY SCHOOL LEVEL

Authors: Dr. P. Sattanathan

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The main objective of the present study is to find out the effectiveness of teaching biology through the Prezi visualization tool. An experimental research design was adopted in this study. The population and sample are IX standard students’ E.D. Thomas higher secondary, Kudigadu, Papanasam (T.K), Thanjavur district. This group is also called the experimental group. The result shows that there is a significant difference between the experimental group's pre-test and post-test mean scores of achievements in biology. It is concluded that the Prezi visualization tool may change the teaching-learning process. This tool is very effective in teaching biology.

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Keywords: Prezi Visualization Tools, Achievement, Biology, Secondary Level.

Page 32-36

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Title: THE EVOLVING LANDSCAPE OF DIGITAL COPYRIGHT IN THE STREAMING ERA: CHALLENGES AND SOLUTIONS

Authors: Manjramkar Nagraj Namdevrao

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The digital age has transformed the copyright landscape, especially in the context of streaming services and online content distribution. This research article elaborates the multifaceted challenges and innovative solutions that have emerged in the realm of digital copyright. It explores the impact of streaming platforms on creators, consumers, and copyright holders, considering issues of piracy, fair use, and user-generated content. The article analyses the effectiveness of copyright enforcement strategies and their adaptation to the digital era. It also examines the role of international copyright treaties and emerging technologies in shaping copyright law. By providing case studies and legal precedents, this article offers a comprehensive understanding of how digital copyright is evolving, influencing content creation, distribution, and the broader media landscape.

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Keywords: Copyright, Digital, Streaming Service.

Page 37-43

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Title: IMPACT OF FINTECH SERVICES ON WOMEN'S FINANCIAL EMPOWERMENT AND INCLUSION IN INDIA

Authors: Manju Nair Rai

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This research paper investigates the impact of Fintech services on women's financial empowerment and inclusion in India. Using a comprehensive survey, we analyze various aspects of financial behaviors, including mobile payment app preferences, perceptions of Fintech services, UPI adoption, and daily financial service usage. Additionally, we examine the presence of Jan Dhan accounts and the motivations driving their adoption. The study assesses the overall impact of Fintech services on women's financial well-being across multiple dimensions, such as investment, privacy, gender discrimination, access to financial advice, awareness of investment options, and financial control. The findings reveal that Fintech services have played a crucial role in positively influencing women's financial lives, encouraging savings and investment, addressing privacy concerns, reducing discrimination, enhancing financial awareness, and empowering women to take control of their financial futures. These results highlight the transformative potential of Fintech services in promoting financial inclusion and empowerment among women in India.

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Keywords: Fintech Services, Women's Financial Empowerment, Financial Inclusion.

Page 44-50

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Title: IMPACT OF EMOTIONAL INTELLIGENCE AND JOB SATISFACTION POLYTECHNIC COLLEGE LECTURERS OF RANIPET, TAMILNADU

Authors: K. N. Jaffer Sadique, Dr. K.R. Mohamed Sufiyan & Dr. S.Mohamed Rafique

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The study investigated the role of emotional intelligence and job satisfaction in predicting burnout among lecturers of polytechnic college, Ranipet, TamilNadu. A total of 100 lecturers (male = 75) and (female = 25) participated in the study. They were between the ages of 24 – 64 years with a mean age of 45 years. The purposive sampling technique was adopted in the study. The 3 instruments used for data collection and were 75 statement were used in eliciting information from the respondents. The Regression Analysis was applied as statistical tool to analysis the data. The findings showed that Emotional Intelligence have a significance predictor of Burnout (â = - . 44, P<001). Also, job satisfaction showed significance predictor of Burnout (â = - 20, P<.05). The study exposed that, as emotional intelligence and job satisfaction of Lecturers increases, burnout decreases and vice versa. This means that, as workers improve on their emotional intelligence and are satisfied with their job, there will be low burnout, which leads to increase in productivity, efficiency and effectiveness in the workplace and on the job. The paper suggests among other things that lecturers should always go for a psychological check-up on their emotional intelligence, on their level of satisfaction with their job and on their level of burnout. By so doing they will be subjected to counseling and some therapeutic exercises like Behavior alteration, Relaxation therapy etc.

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Keywords: Emotional Intelligence, Job Satisfaction and Burnout.

Page 51-54

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Title: QUALITY OF WORKLIFE: AN OVERVIEW

Authors: Mr. Mohamed Ibrahim. K & Dr. K.R. Mohamed Sufiyan

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Jobs are essential to our survival. To support ourselves, most of us spend eight hours a day, on average, at our jobs. That equates to around a third of our lives being devoted to our jobs. It has a bearing on how pleasant our lives are. When an employee feels appreciated, he is more likely to give his all to the company's mission. The success of the organization's objectives depends on the employer's ability to provide a productive working environment. Quality of work life (QWL) describes how pleasant or unpleasant an individual's working conditions are. A dedicated employee works tirelessly to help the company succeed. Keeping employees happy in a demanding workplace where there are also many possibilities may be a daunting undertaking. Variables that look at the big picture of life and how one generally feels, such as contentment with one's salary and one's connections with co-workers. It is essential for the organization to maintain low stress levels and provide a high quality work environment in order to retain its talented individuals. The benefits that quality of work life has for businesses and other organisations are the primary topic of this essay.

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Keywords: Work Life, Organization Success, Quality, Productive, Stress Management.

Page 55-62

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Title: A SURVEY REGARDING WORK-LIFE EQUILIBRIUM AND JOB FULFILMENT OF FEMALE BANK EMPLOYEES IN THE PRIVATE SECTOR

Authors: Mr. Muhammad Abbas.V & Dr. S Mohamed Rafique

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The survey also enquired about their present employment. It also focused on components of their employment functions, such as role clarity, job authority, and the effects on their job. This study included 100 samples, of which 80 were collected. The statistical data is analysed using IBM SPSS software. In this study, percentages are employed as instruments.   This study also looked at women's perceptions toward job satisfaction and how it affects work-life balance. It addressed female employees' attitudes regarding their family roles and the impact of work on family and family on work. The study intended to address female employees' perceptions toward the impact of life happiness on work-life balance. The present investigation also included female employees' responses to the aspects that contribute to work-life balance and imbalance. Work-life balance demands balancing professional and personal duties. As a result, there is less conflict between official and personal life. Work-life balance is very wanted for female employees in the current environment, and if there is no job satisfaction and consistency in life, it can create a difficulty for working women. This study outlines and explores the challenges that women encounter when juggling job and family life. This study was significant in recognizing the growing demand in India for work-life balance policies for working women. The primary goal of this research is to identify and fund preventive measures to address the issue of work-life balance among women working in public sector banks. The research relied on original data. Identifying the balance point between work and life is challenging for the employee alone. As a result, the organization's assistance is critical. The level to which the employee requires assistance from the employer is a qualitative factor that varies from person to person. The goal of this study is to discover the elements that influence work-life balance and to assess the work-life balance of banking workers.

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Keywords: Female, Work-Life Equilibrium, Job Satisfaction, Private Sector Banks, Sound Lifestyle, Work Life Imbalance.

Page 63-70

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Title: NANO-LEARNING: THE PROSPECTIVE OF EDUCATION

Authors: Mr. Ravindranath Sanam

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From students to professionals, everyone wants knowledge presented in a clearer and exact manner. They prefer innovative learning models over traditional ones in order to up skill themselves and create a more appealing future. Nano-learning meets the needs of this bright and youthful age.  By providing learners with brief, precisely targeted informational nuggets with a single goal, nano-learning is self-contained. It can include a wide range of multimedia, which keeps students interested. Because nano-learning is responsive, it may be watched on a variety of devices.  Additionally, active participation and information retention are encouraged by nano-learning. Learning content is presented in brief, concentrated bursts to encourage learners to actively engage in the process.  This can be responding to inquiries, working through issues, or taking part in interactive exercises that support the course content. By actively participating in the learning process, students are able to retain more material and apply it in practical settings which improve their entire learning experience. Bite-sized, targeted instructional content is introduced by nano-learning, which transforms education for effectiveness and customization. It adapts to the quick pace of today while challenging conventional approaches in the midst of a digital revolution. This article explores fundamental ideas, benefits, and challenges.

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Keywords: Nano Learning, Nano Learning, Prospect of Education, New Method of Teaching.

Page 71-77

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Title: A LITERATURE REVIEW ON NEWS MEDIA CONSUMPTION PRACTICE

Authors: Ms Palak Sakhiya & Dr. Raju Rathod

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One of the most significant pieces of information that the mass media imports is news Nowadays, broadcasting news media has come under pressure due to many factors like the internet, costs, changing consumer behaviour, and changes in the advertising market. The purpose of this study is to know whether online news consumption has complemented or displaced traditional media consumption and to examine the use and gratifications of news media. This paper is based on secondary sources where various research done on news media consumption has been evaluated and summarised. The paper summarise that Print products transmit emotions, information, and also entertainment but if the internet becomes more and more free of charge, then print media will definitely become less valuable. The history of communication tries to teach us that we should not expect media formats to vanish completely, instead that they frequently find unexpected ways to coexist.

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Keywords: Media, Media Dependency, Traditional News Media, Internet News, Use and Gratification.

Page 78-84

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Title: CORPORATE REPORTING ON THE INTERNET: A STUDY OF THE TOP PUBLIC AND PRIVATE SECTOR BANKS IN INDIA

Authors: Nabin Kumar Sarawgi & Dr. Ahmed Hussain

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The study aims to examine and analyse the extent of corporate disclosure on the Internet of the selected top Public and Private sector banks in Indian context (both Bank wise and Category Disclosure wise). It also compares the internet reporting practices of the Indian Public and Private sector banks. For the purpose of the study, we thoroughly examined the annual reports of the top ten banks (five Public banks and five private banks) based on their market capitalization for the year 2022. An unweighted disclosure checklist consisting of 119 items of information has been used to examine the disclosure level of online reporting. On an overall analysis, it is observed that the extent of Web-based disclosure in Indian Banking Sector is low to moderate in case of both Public and Private Banks. However, information disclosure level for Public Sector Banks is slightly better than that of Private Sector Banks. The average levels i.e., mean disclosure score of ‘Public Bank’ and ‘Private Bank’ are (61.6) and (54.2) respectively. In case of Public sector banks, ‘Financial Information, Marketing Information and Technological Aspect & User Support respectively are the most disclosed categories whereas in case of Private Sector banks, the most disclosed categories are ‘Financial Information, Technological Aspect & User Support, Corporate Governance Information, and Corporate Social Responsibility and Human Resource Information. The variability in the extent of web based disclosure of both ‘Public Banks’ and ‘Private Banks’ is low which is reflected from the Range value. The test of hypothesis confirms that there is a significant difference in the web-based disclosure level of Public and Private sector banks in India. The result indicates that scope exists for improvement in online reporting of banking sector in Indian context.

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Keywords: Internet Reporting, Banking Sector, Corporate Disclosure, Disclosure Index, India.

Page 85-92

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Title: 75 YEARS OF INDEPENDENCE: JOURNEY OF INNOVATION, GROWTH, AND TRANSFORMATION IN INDIA

Authors: Mrs. Puja Goyal & Dr. Meenakshi Anand

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India, a nation with a rich cultural heritage and a history of resilience, has witnessed a remarkable journey of innovation, growth, and transformation in the last 75 years since gaining independence from British colonial rule. During this period, India has made significant strides across various sectors, positioning itself as a global player and emerging as one of the world's fastest-growing economies. This paper explores the remarkable journey of innovation, growth, and transformation that India has undertaken in the past 75 years since gaining independence. It provides a comprehensive analysis of the key factors that have shaped India's trajectory, including technological advancements, economic growth, social development, and infrastructure transformation. The paper also highlights the challenges faced along the way and outlines the strategies employed to overcome them. By examining India's progress in various sectors, this paper sheds light on the country's potential for continued growth and its aspirations for a more inclusive and sustainable future.

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Keywords: Innovation, Transformation, Technology, Economy, Social Development, Infrastructure.

Page 93-102

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Title: A STUDY OF PSYCHOLOGICAL IMPACTS OF COVID-19 AMONG MIDDLE CLASS COMMUNITIES IN JAIPUR

Authors: Rubilla

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The COVID-19 pandemic, originating from Wuhan City, China, in 2019, declared a global health crisis by the World Health Organization, has profoundly impacted individuals and societies worldwide. The occurrence of the pandemic has disrupted economic activities, particularly vulnerable individuals having co-existence of heart and lifestyle diseases. The disturbance caused by the pandemic led to extensive challenges in social, political, cultural, and psychological aspects of life. The pandemic has resulted into psychological impacts of the pandemic, including heightened anxiety, social isolation, grief, financial stress, remote work challenges, educational disruptions, trauma among frontline workers, stigmatization, and the disproportionate impact on vulnerable populations. The study on the psychological impacts of COVID-19 in Jaipur emphasizes the complexity of challenges faced by middle-class communities, revealing anxiety, social isolation, grief, financial stress, and adaptive coping mechanisms among respondents.

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Keywords: Pandemic, Covid-19, Psychology, Community, WHO.

Page 103-108

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Title: INDIA’S ESG MUTUAL FUND FINANCING: A REALITY CHECK

Authors: Dr. Nidhi Bansal

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Globally and in India investors now demand corporates to discharge not only their societal concerns but also environmental and governance obligations. Corporate social responsibility gained momentum long back, in India Companies Act 2013 made it mandatory for certain companies to invest 2% of the net average profits of the last three years on social activities. But now investors are also focussing on climatic and good governance factors. Post Covid-19, sustainability has been buzzword. Everyone in general and informed investors in particular want to invest in corporates having good environmental, social and governance impact. This brings into picture ESG investing. ESG investing means investing in corporates which work towards achieving sustainability by following Environmental, Societal and Governance parameters. ESG investing may be in form of stocks, bonds or mutual funds. Since Mutual Fund offer advantages of diversification and penny investing, the paper seeks the evaluate the growth of ESG funds and the challenges faced by ESG investors in India. The study found that though post covid 19, ESG investing got a boost but still the sector is in its nascent stage. There is lack of awareness regarding ESG scores and lack of long-term data to adequately evaluate performance of the fund. Nevertheless, in long term, ESG mutual funds will provide the much-needed finance to achieve sustainable goals.

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Keywords: Governance, Environment, Social, Sustainability, Covid 19, ETF, Fund of Funds.

Page 109-113

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Title: A COMPREHENSIVE STUDY OF BUSINESS TRANSFORMATION IN THE ERA OF DIGITAL ECONOMY

Authors: Dr. Sweta Rani

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In the contemporary landscape, marked by an unprecedented surge in digitalization, the profound impact of the digital economy on business transformation has become increasingly evident. This comprehensive study delves into the multifaceted dimensions of business transformation in the era of the digital economy. The global shift toward digitization has been propelled by factors such as widespread Internet accessibility, the proliferation of smartphones, and the emergence of diverse digital applications and tools. Notably, India stands at the forefront of this digital revolution, boasting a staggering 75 crore smartphones, 133 crore Aadhaar cards, and over 80 crore internet users, with a swift transition towards 5G technology. The country’s favourable conditions, including one of the lowest data rates globally, have accelerated its digital transformation. As of 2018, the global data sector was projected to experience a remarkable compound annual growth rate (CAGR) of 27 percent from 2018 to 2025. The pervasive nature of 4G networks, with 76 percent of the world’s population having access to them, underscores the global reach of digital connectivity. Internet penetration has surged, with 3.5 billion people gaining access in 2016, tripling the levels observed in 2005. Businesses now leverage digital platforms to enhance communication and streamline operations with unprecedented efficiency. Social media, initially a tool for private individuals, has evolved into a pivotal marketing and consumer outreach tool for businesses. Recognizing the digital sector as the linchpin of the digital economy, this article explores the myriad opportunities arising from the widespread adoption of digital technologies across various business sectors.

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Keywords: Digital Economy, Business Transformation, Digitization, Digitalization, Digital Transformation.

Page 114-119

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Title: A COMPREHENSIVE ANALYSIS OF WOMEN'S EMPOWERMENT IN INDIA

Authors: Dr. Minal Sharma

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In India, women have a secondary status in the traditional patriarchal society. This is revealed in the economy, social and political domains. Women's equality and empowerment have always been a priority and have been given utmost importance by stakeholders. This paper critically examines the status of women in India and compares it to other countries. The paper develops arguments based on secondary sources such as journal reviews, books, reports, NGOs, government and international organisations, and websites. It critically observes women's empowerment in India, different models and dimensions. It discusses constitutional safe guards, government plans and programmes, indicators of women's empowerment, etc. However, India ranks low when compared to other countries. Therefore, there is a need to reassess and modify programmes to achieve sustainable development goal -5 by 2030.

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Keywords: Women Empowerment Government, Social, Gender Equality, Rights.

Page 120-127

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Title: AN STUDY OF FACTORS AFFECTING ONLINE SHOPPING BEHAVIOUR OF MIDDLE-CLASS WOMEN IN METROPOLITAN CITIES

Authors: Nitu Jaiswal, Dr. Anuj Goel & Prof. (Dr.) Arvind Kumar Agrawal

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Internet has changed the existing structure and process of markets, commerce and proved a useful tool in the development of mankind. Internet has paved the path for business activities based on internet referred as electronic commerce or E-Commerce. In comparison to traditional stores, the online shopping has many good characteristics such as it is convenient, it is time saving, it provides more varieties and more important that it doesn’t require travel to retail stores (Maddox et. al., 2012).

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Keywords: Online Platform. Electronic Commerce, Online Shopping, Shopping Frauds, Online Buyers.

Page 128-134

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Title: A STUDY OF POST-PANDEMIC HURDLES CONFRONTING SELF-HELP GROUPS (SHGs): A CASE STUDY OF BHAGALPUR DISTRICT

Authors: Dr. Md. Mahtab Alam

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This paper delves into the challenges encountered by Self-Help Groups (SHGs) in Bhagalpur District after the pandemic, emphasizing their resilience and the necessity for assistance. It examines the financial aspect of small-scale businesses, underscoring the role of inclusive financial mechanisms like Microfinance and SHGs in empowering communities. Despite the rural-urban demographic disparity, SHGs remain pivotal for rural development. However, the COVID-19 pandemic has disrupted their functioning, resulting in economic slowdown, reduced cash flow, declining sales, and increased unemployment among members. Through primary and secondary data analysis, including a content analysis of 150 SHG members and interviews with small and medium enterprises within the SHGs, this study identifies key challenges and demographic trends. Notably, it observes a significant presence of middle-aged participants, particularly housewives, engaged with SHGs over extended periods. The primary post-pandemic concern revolves around declining sales, indicating a profound impact on income sources. These findings underscore the resilience of SHGs and highlight the need for targeted support measures to navigate post-pandemic uncertainties effectively. The study concludes by offering actionable insights and recommendations aimed at strengthening the resilience and effectiveness of SHGs, ensuring sustained community empowerment in the face of adversity.

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Keywords: Self-Help Groups (SHGs), Post-Pandemic Challenges, Microfinance, Rural Development, Economic Resilience.

Page 135-141

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