IOSR Journal

IOSR Journal List

IOSR Journal of Economics and Finance (IOSR-JEF)
IOSR Journal of Computer Engineering (IOSR-JCE)
IOSR Journal of Electrical and Electronics Engineering (IOSR-JEEE)
IOSR Journal of Mechanical and Civil Engineering (IOSR-JMCE)
IOSR Journal of Electronics and Communication Engineering (IOSR-JECE)
IOSR Journal of VLSI and Signal Processing (IOSR-JVSP)
IOSR Journal of Mobile Computing & Application (IOSR-JMCA)
IOSR Journal of Research & Method in Education (IOSR-JRME)
IOSR Journal of Humanities and Social Science (IOSR-JHSS)
IOSR Journal of Mathematics(IOSR-JM)
IOSR Journal of Business and Management (IOSR-JBM)
IOSR Journal of Environmental Science, Toxicology and Food Technology (IOSR-JESTFT)
IOSR Journal of Pharmacy and Biological Sciences(IOSR-JPBS)
IOSR Journal of Nursing and Health Science (IOSR-JNHS)
IOSR Journal of Dental and Medical Sciences (IOSR-JDMS)
IOSR Journal of Agriculture and Veterinary Science (IOSR-JAVS)
IOSR Journal of Sports and Physical Education (IOSR-JSPE)
IOSR Journal of Polymer and Textile Engineering (IOSR-JPTE)
IOSR Journal of Applied Geology and Geophysics (IOSR-JAGG)
IOSR Journal of Applied Physics (IOSR-JAP)
IOSR Journal of Biotechnology and Biochemistry (IOSR-JBB)
IOSR Journal of Applied Chemistry (IOSR-JAC)

Series-4 (Mar. – Apr. 2025) Mar. – Apr. 2025 Issue Statistics

Series-1 Series-2 Series-3 Series-4

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Paper Type	:	Research Paper
Title	:	Sectoral Momentum And Mean Reversion: An Empirical Analysis Of SPX Etfs
Country	:	China
Authors	:	Mohamed Zaid ABBAD
	:	10.9790/5933-1602040109

Abstract: This paper investigates whether sector prices in the U.S. equity market exhibit momentum (trends persist) or mean reversion (prices return to an average value). Using a comprehensive dataset of 11 SPX sector ETFs plus the S&P 500 index ETF (SPY), we apply rigorous statistical methods including Hurst Exponent calculations and Augmented Dickey-Fuller (ADF) tests to characterize sector behavior. Our findings reveal that all sectors predominantly exhibit momentum characteristics (Hurst Exponent > 0.5), though with varying degrees of persistence and recent performance......

Keywords: Momentum, Mean Reversion, Sector ETFs, Hurst Exponent, ADF Test, Variance Ratio

[1] Fama, E. F. (1970). Efficient Capital Markets: A Review Of Theory And Empirical Work. The Journal Of Finance, 25(2), 383-417.
[2] Jegadeesh, N., & Titman, S. (1993). Returns To Buying Winners And Selling Losers: Implications For Stock Market Efficiency. The Journal Of Finance, 48(1), 65-91.
[3] Lo, A. W., & Mackinlay, A. C. (1988). Stock Market Prices Do Not Follow Random Walks: Evidence From A Simple Specification Test. The Review Of Financial Studies, 1(1), 41-66.
[4] Moskowitz, T. J., & Grinblatt, M. (1999). Do Industries Explain Momentum? The Journal Of Finance, 54(4), 1249-1290.
[5] Balvers, R., Wu, Y., & Gilliland, E. (2000). Mean Reversion Across National Stock Markets And Parametric Contrarian Investment Strategies. The Journal Of Finance, 55(2), 745-772

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Paper Type	:	Research Paper
Title	:	Securing Online Payments: Understanding Cyber Threats And Safeguarding Financial Transactions
Country	:	India
Authors	:	Ms. Accamma CG \|\| Bhavya Kothari \|\| Shibin \|\| Akash V \|\| Angana
	:	10.9790/5933-1602041033

Abstract: We live in a world where everything is connected—our phones, homes, cars, even the watches we wear. While this digital convenience makes life easier, it also opens the door to a growing and often invisible danger: cyber threats. From stolen passwords to massive data leaks, cyberattacks have become a daily reality. Whether it's a small business being hit with ransomware or someone unknowingly falling for a phishing scam, the impact can be deeply personal........

Keywords: Cyber threats, data breaches, ransomware, phishing, IoT security, smart devices, cybersecurity awareness, digital safety, human impact, tech vulnerabilities, online privacy

......

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Paper Type	:	Research Paper
Title	:	Credit Risk Management, Bank Size And Financial Performance: Evidence From Commercial Banks In Kenya
Country	:	Kenya
Authors	:	W. Kimeu \|\| W. Nyamute \|\| A. Kithinji \|\| O. Mutunga
	:	10.9790/5933-1602043440

Abstract: This study examines the interplay between credit risk management (CRM), bank size, and financial performance within Kenyan commercial banks, addressing a vital gap in understanding how bank-specific factors influence financial outcomes. Employing a descriptive research design, it analyzes secondary data from 42 banks over 2013–2022 using panel regression models. The focus is on CRM indicators—delinquency rate, value at risk, and distance to default........

Keywords: Credit risk management, financial performance, delinquency rate, value at risk, distance to default, and bank size

[1] Aduda, J., & Gitonga, J. (2011). The Relationship Between Credit Risk Management And Profitability Among The Commercial Banks In Kenya. Journal Of Modern Accounting And Auditing, 7(9), 934.
[2] Athanasoglou, P., Brissimis, S., & Delis, M. (2008). Bank-Specific, Industry-Specific And Macroeconomic Determinants Of Bank Profitability. Bank Of Greece Working Paper, No. 25.
[3] Baron, R. M., & Kenny, D. A. (1986). The Moderator-Mediator Variable Distinction In Social Psychological Research: Conceptual, Strategic, And Statistical Considerations. Journal Of Personality And Social Psychology, 51(6), 1173–1182.[4] Bhattarai, Y. R. (2016). Effect Of Credit Risk On The Performance Of Nepalese Commercial Banks. NRB Economic Review, Tribhuvan University.
[5] Burns, N., & Burns, S. (2008). The Practice Of Nursing Research: Conduct, Critique And Utilization (5th Ed.). St Louis: Elsevier Saunders.

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Paper Type	:	Research Paper
Title	:	E-Banking For Agricultural Finance: Challenges, Opportunities And Advancements For Farmers In Bangladesh
Country	:	Bangladesh
Authors	:	Md. Mamunur Rashid
	:	10.9790/5933-1602044147

Abstract: Agriculture financing has a vital contribution to the modernization and commercialization of rural farming activities and the national economy of Bangladesh. Unfortunately, the provision of agricultural financing with e-banking in rural regions of Bangladesh faces significant challenges for the banking system. Though several studies have investigated constraints to agriculture finance, agricultural production and agricultural activities, the literature on constraints.......

Keywords: E-Banking, Agricultural Financing, Advancement, Challenges and Opportunities

[1] Alauddin, M., & Biswas, J. (2014). Agricultural Credit In Bangladesh: Trends, Patterns, Problems And Growth Impacts. The Jahangirnagar Economic Review, 25(14), 125-138.
[2] BBS, (2024). Statistical Year Book 2024. Bangladesh Bureau Of Statistics.
[3] Kabir, M. S., & Sajib, S. H. (2021). Impact Of COVID-19 Pandemic On Small Entrepreneurship In Bangladesh. Journal Of Entrepreneurship And Business Resilience, 4(1), 41-48.
[4] Shajahan, K. M., & Sajib, S. H.. (2022). POVERTY, FOOD SECURITY AND RESILIENCE TO COVID-19 IN BANGLADESH. Journal Of Entrepreneurship And Business Resilience, 5(1), 75-82.
[5] Mahmud, K. R. (2022). Some Major Impediments Of Sustainable Rural Development Through Rural Banking In Bangladesh: An Exploratory Study. International Journal Of Science And Research, 11(5). 301-309. Doi;10.21275/SR22429151944.

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Paper Type	:	Research Paper
Title	:	The Role Of Microfinance In India
Country	:	India
Authors	:	Dr. K. Harika \|\| Dr. S. Praveen
	:	10.9790/5933-1602044851

Abstract: MFI (Micro Finance in India) is play very important role in development. Microfinance is a very important source of financial services for people and microenterprises that do not have easy access to banking and related services. It is a delivery of financial services to such clients were Relationship Based banking for individuals entrepreneurs ,Small Business, Group Based Models Many of those who promote MFI generally believe that such access will help poor people out of poverty.. For others it is a way for poor to manage their finances more effectively & take advantage of economic opportunities while managing the risks. The terms have evolved - from micro-credit to micro-finance, & now 'financial inclusion'. This paper deals with Role of Micro finance In India and its models.

Keywords: Microfinance, Microcredit, Entrepreneur, Financial Inclusion, Economic Opportunities

[1] Feigenberg, Benjamin; Erica M. Field; Rohanp&E. "Building Social Capital Through Micro Finance".
[2] Rutherford, Stuart; Arora, Sukhwinder (2009). The Poor & Their Money: Micro Finance From A Twenty-First Century Consumer's Perspective. Warwickshire, UK: Practical Action.
[3] Hermes, N. (2014). Does Microfinance Affect Income Inequality? Applied Economics,
[4] Kh&Ker, Shahidur R. (1999). Fighting Poverty With Microcredit: Experience In Bangladesh. Dhaka, Bangladesh: The University Press Ltd. P. 78.
[5] Harper, M. (2002). Grameen Bank Groups &Self Help Groups: What Are The Difference? ITDG Publishing , 1-20..

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Paper Type	:	Research Paper
Title	:	The Latex Economy: An Empirical Study On Production, Marketing, And Challenges Of Rubber Cultivation In Northeast India
Country	:	India
Authors	:	M Lothungbeni Kikon \|\| Dr. Khriemenuo Pusa \|\| Dr. Riweu Kenye
	:	10.9790/5933-1602045258

Abstract: Rubber cultivation has become a key livelihood activity in Baghty village, Wokha district of Northeast India, making a substantial contribution to the rural economy. Using information gathered through questionnaires and interviews, this study investigates the production methods, marketing strategies, revenue creation, and difficulties faced by 60 rubber cultivators. The majority of responders depends on rubber as their main source of income and cultivates 1-2 hectares of land with 200-400 trees. Productivity is nevertheless constrained by issues including unstable.........

Keywords: Agricultural Development, Income Generation, Market Access, Rubber Cultivation, Rural Livelihoods, Small-Scale Farming

[1] Benitha, M., & Raj, J. (2018). A Study On Socioeconomic Condition Of Rubber Plantation In Kanyakumari District. IOSR Journal Of Business And Management (IOSR-JBM). Retrieved September 13, 2024, From Https://Www.Josrgournal-Org/Iosr-Jbm/Paper/20(3)/Version-8/D2003083540
[2] Chouhan, P., Kuki, V., & Bhowmik. (2019). A Study On The Emerging Labour Relations In The Rubber Plantations Of Tripura. Indian Journal Of Economics And Development, 7(4). Retrieved August 26, 2024, From Https://Www.Ijed.Informaticpublishing.Com/Index.Php/Ojed/Article/View/13187/101134
[3] George, A., Sharif, K. R., & Umesh, K. B. (2023). An Economic Analysis Of Production And Marketing Of Natural Rubber In The Midland Plain Region Of Kerala. Mysore Journal Of Agricultural Science, 57(4). Retrieved September 10, 2024, From Https://Www.Uasbangalore.Edu.In
[4] Goswami, S. N., & Challa, O. (2007). Economic Analysis Of Smallholder Rubber Plantations In West Garo Hills District Of Meghalaya. Indian Journal Of Agricultural Economics, 62. Retrieved From.

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Paper Type	:	Research Paper
Title	:	Business Transformation Through Digital Financial Solutions: Reducing Foreign Dependencies
Country	:
Authors	:	xxxx
	:	10.9790/5933-1602045968

Abstract: This article examines the pressing need for minimizing foreign technology dependencies in U.S. corporate finance, particularly within the context of Texas's economic revitalization. It explores how the integration of advanced digital solutions such as Enterprise Resource Planning (ERP) systems, Artificial Intelligence (AI), and blockchain can ensure economic self-reliance and enhance operational efficiencies across industries. The review focuses on analyzing case studies and existing frameworks that demonstrate the transformative power of these technologies in reshaping the financial landscape of businesses in Texas. Through addressing the critical role of digital innovation.........

Keywords: U.S. Financial Independence, Digital Innovation, Corporate Finance, Enterprise Resource Planning (ERP), Artificial Intelligence (AI), Blockchain Technology, Texas Economy, Compliance Frameworks, Digital Finance Solutions, Technology Integration, Economic Self-Reliance

[1] Adelakun, Beatrice. (2023). AI-DRIVEN FINANCIAL FORECASTING: INNOVATIONS AND IMPLICATIONS FOR ACCOUNTING PRACTICES. International Journal Of Advanced Economics. 5. 323-338. 10.51594/Ijae.V5i9.1231.
[2] Alam, M., Sharma, S., And Chowdhury, T. (2024) A Model Of Cloud-Based Enterprise Resource Planning (ERP) For Small And Medium Enterprises. Journal Of Computer And Communications, 12, 37-50. Doi: 10.4236/Jcc.2024.1210004.
[3] Ali Hamdar. (2020. Implementing Cloud-Based Enterprise Resource Planning Solutions In Small And Medium Enterprises. Https://Scholarworks.Waldenu.Edu/Cgi/Viewcontent.Cgi?Article=10408&Context=Dissertations
[4] Alliy Bello, David Amoah Oduro, Emmanuel Opoku, Adepeju Deborah Bello, Adeniji Omotayo Leo, Chioma Emmanuela Ukatu, Nonso Okika. (2025). Enhancing Know Your Customer (KYC) And Anti-Money Laundering (AML) Compliance Using Blockchain: A Business Analysis Approach. Iconic Research And Engineering Journals 297. IRE Journals | Volume 8 Issue 9 | ISSN: 2456-8880 IRE 1707440. Https://Www.Irejournals.Com/Formatedpaper/1707440.Pdf
[5] Alonge, Enoch & Dudu, Oritsematosan & Alao, Olakunle. (2024). The Impact Of Digital Transformation On Financial Reporting And Accountability In Emerging Markets. 25-049. 10.53771/Ijstra.2024.7.2.0061

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IOSR-JEF Volume-16 ~ Issue-2 ~ Mar. – Apr. 2025

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Series-4 (Mar. – Apr. 2025) Mar. – Apr. 2025 Issue Statistics

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