ajay.karanjia95@gmail.com

The investigation into the FinTech lending industry uncovers substantial effects on the overall financial environment. The objective of this research is to investigate various fundamental elements of existing literature, with a particular emphasis on financial technology (FinTech), regulatory structures, competitive approaches, and the broader financial sector. This sector, characterized by the integration of technology into financial services, has transformed traditional lending practices, enhancing accessibility and efficiency for both borrowers and lenders. The emergence of innovative platforms has facilitated a more streamlined application process, reduced costs, and expanded the range of financing options available to businesses. As a result, the FinTech lending sector not only contributes to the growth of small and medium-sized enterprises but also challenges conventional banking models, prompting a re-evaluation of regulatory frameworks and competitive strategies within the financial industry.

Global warming has become a reality in present times posing a serious threat to existence of human lives on this earth. Increasing instances of natural calamities have caused huge loss of precious human lives and property in recent past and such casualties have become more frequent in recent times than ever before. Achieving higher rate of economic growth has now become a compulsion for every nation and commands a central place in framing of various state policies in their quest for alleviation of poverty and bringing improvement in standard of living of people residing in that country especially poor and downtrodden sections of society. Economic growth entails using various natural resources in production of goods and services but when it takes the form of race causing over-exploitation of natural resources then it results in inflicting severe damage to natural environment due to excessive emission of greenhouse gases. Developed countries are far ahead in this race of achieving economic growth and so they are now being followed by developing and under-developed countries. Gradually, the world community has started realizing the huge cost that humanity is paying for environmental damage and so there is daunting challenge before every country to cut down carbon emission and release of greenhouse gases but none wants to compromise on their growth agenda. Developing countries object to the pressure mounted by developed world arguing that since developed countries are main contributors to this menace and so they should compensate by way of extending financial support to them to help them adapt to green technologies in years to come. It is to be noted that economic development is the cause as well as remedy for protecting against climate change and so there needs to a judicious development policy which incorporates climate change perspective without compromising on achieving high rate of economic growth. Different countries around the world have started revisiting their erstwhile models of economic growth and so it is highly needed that India too to conform to modern global practices to minimize damage to natural environment.
This study is an attempt to investigate into the recent events of climate change in India and assess its impact on economic development in India in recent past. Further, this study aims to throw light on recent initiatives taken to minimize the effect of climate change in Indian context and suggest various other steps that needs to be undertaken to minimize environmental degradation without compromising on growth agenda.

Agriculture’s inherent uncertainties threaten farmers’ income and food security. The government introduced Pradhan Mantri Fasal Bima Yojana (PMFBY) in 2016 to mitigate risks, aligning with the “One Nation-One Plan” initiative for farmers’ protection. The current investigation aimed to gauge farmers’ perceptions of the Pradhan Mantri Fasal Bima Yojana (PMFBY). Conducted in the year 2022-23, the study focused on deliberately chosen blocks namely Thuraiyur and Uppiliyapuram in Tiruchirappalli district of Tamil Nadu. Respondents, totaling 120, were chosen from three villages in each selected block using a proportionate random sampling method. A thoroughly designed interview schedule, formulated based on expert opinions and literature reviews, was employed for data collection. Subsequently, the acquired data underwent coding, quantification, classification, tabulation and analysis, employing frequency, percentage and mean score ranking techniques to derive meaningful insights. The study’s results indicated that a significant proportion of farmers (70.83%) held medium level perception, while 20.00 percent had low perception, and 9.17 percent expressed high perception regarding the Pradhan Mantri Fasal Bima Yojana (PMFBY). The assessment revealed that statements such as the enhancement of individual farmers’ knowledge and skills under PMFBY (Mean Score – 2.59) ranked highest, followed by its role in enhancing yields and crop protection (Mean Score – 2.58) and improving resource-poor farmers’ access to better crop production (Mean Score – 2.48), which were ranked second and third, respectively. Crop insurance shields farmers from uncertainties like natural disasters. It is deemed essential for all types of farmers due to its significance.

The 21st century has witnessed transformative advancements in technology across various sectors, including information dissemination. Libraries, as essential repositories of knowledge, have had to adapt their services to meet the evolving needs of modern users, who increasingly prefer digital and mobile resources over traditional print materials. The limited availability of physical books in many libraries has further necessitated a shift toward more dynamic, digital services. Mobile technology, in particular, offers faster access to information, presenting libraries with both opportunities and challenges to remodel their service delivery. With the ubiquity of smartphones, libraries can extend their reach to remote users and provide more personalized, user-friendly experiences. This study explores the impact of mobile technology on traditional libraries, emphasizing the effectiveness of mobile libraries (M-libraries) compared to their conventional counterparts in terms of accessibility, user engagement, and service delivery.

This research aims to analyze the readiness of the construction industry in Thailand for the development and formulation of Building Information Modeling (BIM) innovation from a public policy and strategic management perspective. The study examines the opportunities for policy formulation and implementation in the government sector, drawing on successful examples from developed countries, and aims to develop policy and implementation guidelines for stakeholders in the construction industry. The findings reveal that Thailand’s construction industry is moderately prepared, with limitations in skilled personnel and government support. Successful adoption of BIM in developed countries shows strong government support, standardization, and continuous personnel training as key factors for success. The study’s recommendations include promoting training and skill development, enhancing government support, studying international case studies, developing support systems and tools, fostering collaboration and communication, and managing change. The adoption of BIM in the government sector can increase efficiency and improve the success of construction projects in Thailand.

Asset and Liability Management (ALM) is the art of properly managing sustainable financial resources. Infrastructure assets are managed through asset liability management in order to reduce the overall cost of ownership and operation while consistently providing the service levels that customers want. It combines engineering principles with good business practices and economic logic, and it provides the means to enable a more flexible and organized way of making decisions that are required to meet stakeholder and public expectations. In order to accomplish business performance based on its scale and complexity, the organization or firm must be able to manage its assets and liabilities optimally through the determination of a dependable plan. The primary goal of this analysis is to pinpoint the specific ratios that have an impact on the concern’s assets and liabilities. The analysis makes it evident that the business hopes to provide a more effective service soon.

ESG (Environmental, Social, Governance) is a set of standards for assessing environmental, social and corporate governance factors, which are important in building a sustainable financial foundation. In the banking industry, implementing ESG is not only a trend but also an essential requirement for sustainable development, helping banks minimize risks and costs in the long term, improve operational efficiency and build reputation. The study presents the practical implementation of ESG. in the operations of state-owned commercial banks holding 50% of shares, including Vietinbank, Vietcombank and BIDV. Initially, banks have closely followed ESG standards according to international standards and legal regulations to build a sustainable development framework and invest resources for ESG practices at banks. These banks have made significant progress in ESG practices, including strengthening green credit policies and being more transparent in disclosing environmental and social information, implementing many preferential credit programs for many customer groups; focusing on community support activities. However, these banks still face challenges in fully integrating ESG factors into their business operations. Based on the analysis of the above situation, the article proposes two groups of solutions to promote ESG practices in commercial banks: (i) Group of solutions for state banks; (ii) Group of solutions for state-owned commercial banks.

The COVID-19 pandemic has significantly impacted the tourism and hospitality industries worldwide, including the community of Initao, Misamis Oriental, Philippines. This study aims to explore the coping strategies adopted by the affected businesses and the challenges they faced in adapting to the new normal imposed by the pandemic. The research employed a quantitative approach, gathering data through a survey questionnaire. The overall results demonstrate that hotels, resorts, and restaurants constitute a significant portion of the impacted businesses, with financial constraints being a major challenge. To mitigate the pandemic’s effects, businesses sometimes adopted diversification strategies (overall weighted mean: 3.57), digital technologies (3.71), and collaborated with local authorities for support (3.97). The study found that implementing health and safety protocols (weighted mean: 3.29), financial constraints (3.16), and workforce adjustments (3.08) were the primary challenges faced in adapting to the new normal. The research underscores the importance of adaptability, innovation, and collaboration in the recovery and resilience of the tourism and hospitality sectors. Governments, financial institutions, and businesses should focus on targeted assistance, workforce management, and maintaining consumer confidence by implementing health and safety protocols. Furthermore, businesses should continue to explore diversification, digital adoption, and collaboration to overcome the pandemic’s challenges and capitalize on emerging opportunities.

This study presents a comprehensive performance matrix of six key Nifty sectors – Banking, IT, FMCG, Pharma, Energy, and Infrastructure – over the decade spanning 2014-2024. Employing a mixed-methods approach, this research analyzes sector-specific trends, volatility patterns, and yearly returns to provide actionable insights for investors. The findings reveal significant performance differentials, with Nifty IT emerging as the top-performing sector, while Nifty FMCG demonstrates resilience and Nifty Bank exhibits volatility. Statistical analysis and hypothesis testing validate these trends. This study contributes to the understanding of sector performance dynamics in the Indian stock market, informing investment decisions, risk management strategies, and portfolio diversification.