IOSR-JHSS   Volume-30 ~ Issue-7 ~ July 2025

Abstract: This research tries to identify the influence of financial literacy on investment decisions among rural residents in Shoranur. It examines the levels of awareness regarding basic financial products and assesses how financial knowledge affects investment decisions. The study identifies safety and liquidity as the primary factors guiding investment choices, with wealth creation being the main purpose. Findings reveal that generally high level of satisfaction with financial literacy, with no significant gender differences. The results offer valuable insights for policymakers and financial educators to enhance financial awareness and decision-making in rural areas..

Keywords: Financial literacy, Investment decisions, Rural population, Risk management

[1]. Agarwal, Ritika (2012). Identifying Factors Influencing Preference towards Post Office Saving Schemes. International Journal of Research in Management & Technology, 2(6), 550–559.
[2]. Bhushan, P. & Medury, Y. (2013). Financial Literacy and its Determinants. International Journal of Engineering, Business and Enterprise Applications, 4(2), 155–160.
[3]. Lusardi, A. & Mitchell, O. S. (2006)“Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth.” Journal of Monetary Economics, 54(1), 205–224.
[4]. Sane, Anjali (2014). “Financial Literacy: Challenges for Indian Economy.” Journal of Commerce and Management Thought, 5(3), pp. 475–?)
[5]. Lusardi, A. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.

Abstract: The term diaspora has become a politically loaded and culture specific term. Indian Diaspora is an international phenomenon. Right from the migration of the indentured labourers to that of the Silicon Valley young brains, the concept of cultural identity and its perception have undergone drastic change. Earlier, it was perceived as a wholly unquestionable acceptance of the mainstream culture and disowning one’s native culture. Today, minority cultures have become integrated enough to involve as part of the mainstream culture of the host country. The role.......

Keywords: Cultural Identity, Diaspora, Expatriate, Immigrant, Transnational Identity

[1]. Bhabha, Homi K. The Location of Culture. Routledge, 1994.
[2]. Boehmer, Elleke. Colonial and Postcolonial Literature: Migrant Metaphors. 2nd ed., Oxford University Press, 2005.
[3]. Chambers, Iain. Migrancy, Culture, Identity. London: Routledge, 1994.
[4]. Mandal, Somdatta. Bharati Mukherjee: A Critical Perspective. Pencraft Books, 2010.
[5]. Mukherjee, Bharati. The Tiger’s Daughter. Chatto & Windus, 1973..

Abstract: The historiography of anti-colonial resistance in Meghalaya has traditionally centred around prominent figures such as U Tirot Sing, whose leadership and defiance against British authority have been widely documented and celebrated. However, this dominant narrative has often marginalised other significant contributors to the Khasi resistance, notably U Sngap Sing Syiemlieh of Hima Maharam. His role and contributions have remained largely underrepresented in both colonial and post-colonial scholarly discourse. This academic neglect can be attributed to the enduring influence.......

Keywords: Anti-colonial Resistance, Collective memory, Khasi, Patriot.

[1]. Aitchison, C. U. (1983). A Collection of Treaties, Engagements and Sanads, Vol. XII. Mittal Publications, Delhi.
[2]. Bareh, Hamlet. (1984). Builders of Modern India, U Tirot Singh. Director Publications Division, Ministry of Information and Broadcasting. Government of India, New Delhi.
[3]. Bareh, Hamlet. (1967). The History and Culture of the Khasi People. Spectrum Publication, Guwahati, Delhi.
[4]. File No. 4, September 1834, Foreign Department of Political Consultation, available at the Departments of Art & Culture, Meghalaya, Shillong.
[5]. File No.1/4. 9th May 1838, Foreign Department for Political Consultation, available at the Department of Arts & Culture, Meghalaya, Shillong..

Abstract: This study aimed to conduct a bibliometric analysis of international scientific production on water and water security over the past five years (2019–2024). The adopted methodology was exploratory and descriptive in nature, based on the bibliometric analysis of data extracted from the Scopus database. The search included the terms “Water,” “Water Security,” and “Water Resources,” initially resulting in 1,133 documents. After applying filters by subject areas, language, type of publication, and open access status, 410 articles were selected for analysis. The analyses were carried out using the VOSviewer software, which enabled the mapping of co-authorships, keyword.......

Keywords: Water governance. Climate change. Integrated management. Water scarcity. Bibliometric analysis.

[1]. ARSEL, M.; HOGENBOOM, B.; PELLEGRINI, L. The extractive industries and society. The extractive imperative in Latin America. The Extractive Industries and Society, v. 3, n. 4, p. 880-887, 2016.
[2]. BAKKER, K. Water security: research challenges and opportunities. Science, v. 337, n. 6097, p. 910-915, 2012.
[3]. BRITO, H. C. de.; BRITO, Y. M. A. de.; RUFINO, I. A. A. O Índice de Segurança Hídrica do Brasil e o Semiárido Brasileiro: Desafios e Riscos Futuros. Revista Brasileira de Cartografia, v. 74, n. 1, p. 1-15, 2022.
[4]. CANTILLANA, R. Los estudios del agua en Chile: revisión y perspectivas críticas. Tecnología y ciencias del agua, v. 11, n 6, p. 81-126, 2020.
[5]. COATES, V.; et al. On the Future of Technological Forecasting. Elsevier Science, v. 67, n. 1, p. 1-17, 2001.

Abstract:Les bases juridiques de voies de recours en RDC sont : 1. La constitution de la RDC (2006) telle que révisée en 2011 en son article 19 alinéa 3 garantit le droit d’user des voies de recours contre toute décision judiciaire et l’article 150, assure l’indépendance des juridictions.......

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Abstract:Les bases juridiques de voies de recours en RDC sont : 1. La constitution de la RDC (2006) telle que révisée en 2011 en son article 19 alinéa 3 garantit le droit d’user des voies de recours contre toute décision judiciaire et l’article 150, assure l’indépendance des juridictions.......

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Abstract:With the advancement in science and technology there was a paradigm shift from conventional teaching and learning in the classroom to online teaching and learning or virtual classroom and with this shift there is also an increase in the level of the stress and anxiety among students. The objective of this study is to find out various factors creating anxiety among students through online learning in higher education and also to find out various effects.......

Key Words: Teaching, learning, online, anxiety

[1] Breuer, A. (1999). Biofeedback And Anxiety. Psychiatric Times, 16(2), 1-2.
[2] Choudhary, R. (2020, April 16). Covid-19 Pandemic: Impact And Strategies For Education Sector In India. India Times.
Https://Government.Economictimes.Indiatimes.Com/.
[3] Forte, G., Favieri, F., Tambelli, R., & Casagrande, M. (2020). Covid-19 Pandemic In The Italian Population: Validation Of A Post-Traumatic Stress Disorder Questionnaire And Prevalence Of PTSD Symptomatology. Int. J. Environ. Res. Public Health, 17:4151. Doi: 10.3390/Ijerph17114151 [4] Haque, M. N., Hannan. A., Imaran, S., Alam, M. A. Mattubber, B., & Saha, S. M. (2021). Anxiety And Its Determinants Among Undergraduate Students During E-Learning In Bangladesh Amid Covid-19. Journal Of Affective Disorders Reports 6 (2021) 100241.
[5] Harris, H. L., & Coy, D. R. (2003). Helping Students Cope With Test Anxiety. ERIC Counseling And Student Services Clearinghouse, ERIC Identifier: ED479355.

Abstract:Background: Brazil faces a significant fiscal challenge, marked by the rapid growth of mandatory expenditures, which limits the capacity to adjust the public budget and compromises the sustainability of public accounts. This article analyzes the structure of mandatory expenditures in the country, their impact on fiscal dynamics, and possible solutions to balance the budget without compromising social rights and essential investments. Thus, it is demonstrated that budgetary rigidity, combined with population aging and pressure for more social spending, requires structural reforms to avoid a prolonged.......

Key Word: Fiscal Challenge; Mandatory Expenses; Budget; Fiscal Sustainability: Structural Reforms.

[1]. Bassi, C. D. Parliamentary Amendments And Appropriation Of The Public Budget: A Discussion About What Is False Or True. IPEA Technical Note, 16. Brasília. Brazil; 2022.
[2]. Bijos, P. R.. The Path To Balance: Is It Necessary To "Cut Costs"?. Technical Study Budget Consultancy Of The Chamber Of Deputies. Brasília, Brazil; 2024.
[3]. Brazil. Complementary Law No. 101, Of May 4, 2000. Establishes Public Finance Standards Aimed At Responsible Fiscal Management And Contains Other Provisions. Official Gazette Of The Union, Brasília, May 5, 2000. Available At:
<Https://Bit.Ly/3fgeu86>.
[4]. Brazil. Constitutional Amendment No. 86, Of March 17, 2015. Amends Articles 165, 166, And 198 Of The Federal Constitution, To Make The Execution Of The Budgetary Programming Specified Therein Mandatory. Official Gazette Of The Union, Brasília, March 18, 2015. Available At: <Https://Bit.Ly/3qcx1wo>.

Abstract:These days we see a sparring over Rashtra and Nation in the media and in the academic circle especially after the addition of a new course namely Indian Knowledge system. It has been said that it is to inculcate the feeling of Bhartiyata in the hearts and soul of Indians by making them aware of the achievements of Bharat in the history. There certainly is no doubt that we must be aware of our history but the emphasis that is being put over these debates seems to be sticking Indians into past and be conceited about it, rather than achieving and feeling proud about it in the modern......

[1] Rig Veda 10.173.1
[2] Rig Veda 10.173.2
[3] Rig Veda 10.173.5
[4] Manusmriti 7.113
[5] Manusmriti 7.122 Https://Archive.Org/Details/Manusmriti_201601/Page/N133/Mode/2up.

Abstract:The debate of Rashtra and Nation appeared on the political table during the pre- independence era of India. It was necessary to have such debates to understand and propagate our philosophical lineage. It was also necessary to free the mind of Indians from the subjugation of British crown and it had fulfilled its motive. The idea of Rashtra which got inculcated into the hearts of Indians lead them to go against the British imperialism either through revolution, through mass......

[1] BAL GANGADHAR TILAK; Egyankosh
[2] Lectures On Integral Humanism By Pandit Deendayal Upadhyaya In The Form Of Four Lectures Delivered In Bombay On April 22-25, 1965; Http://Avap.Org.In/Uploads/Publication/Integral%20Humanism3.Pdf
[3] The Times Of India
[4] SRI AUROBFNDO'S POLITICAL THOUGHT; Egyankosh
[5] Rigveda 10.173

Abstract:Gender mainstreaming, the act of specifying the roles of each gender call for examination in African society. A number of existing works in Nigeria concentrate much on gender equality in modern society with little attention paid to the religious hermeneutics. This study, is therefore, carried out on the Islamic hermeneutics on gender mainstream with the aim of examining its sustenance in Nigeria. Al-Ghazali’s principle of gender roles in the society was adopted while the interpretive design was used. The primary and secondary data were utilised. Development of a......

Keywords: Gender mainstreaming, Nigerian development, Gender roles in Nigeria, Islamic hermeneutics on gender study in Nigeria.

[1] Abdullah, O.N. (2021). Encyclopedia Of Seerah. London: Seerah Foundation.
[2] Athoillah, I. (2020) Gender Mainstreaming In The Hermeneutics Of Islamic Family Law. Al-Bayyinah: Journal Of Islamic Law.
[3] Charity I. O. (2021), Women Empowerment And National Development: The Nigeria Experience Nnadiebube Journal Of Philosophy, Vol. 5(1), 2021.
[4] Ethel, E. O. (2025). How Gender Is Recognised In Economic And Education Policy Programmes And Initiatives: An Analysis Of Nigerian State Policy Discourse. Finland: Turku School Of Economics, University Of Turku.
[5] Farhan, I. (2021). Gender Equality In Islam. Missionary, Ahmadiyya Muslim Community: Canada

Abstract:This study critically examines traditional pottery practices in Northern Ghana through the lens of environmental sustainability and cultural continuity. Pottery, deeply embedded in the region’s social and spiritual life, reflects sustainable techniques passed down across generations, utilizing locally sourced clay, natural pigments, and low-emission firing methods. Using a qualitative approach, data were collected through interviews, focus group discussions, and......

Keywords: traditional pottery, sustainability, indigenous techniques, Northern Ghana, artisan innovation, cultural heritage

[1] Alders, W.A., 2022. Uneven Ground: The Archaeology Of Social Transformation In Zanzibar, Tanzania. University Of California, Berkeley.
[2] Ankora, M.W.E., 2022. Material Culture, African Textiles And National Identity (Doctoral Dissertation, University Of Guelph).
[3] Bassey, BA & Owan, VJ (2019). Ethical Issues In Educational Research Management And Practice. In PN Ololube & GU Nwiyi (Eds), Encyclopedia Of Institutional Leadership, Policy, And Management: A Handbook Of Research In Honour Of Professor Ozo-Mekuri Ndimele, Pp.1287-1301.
[4] Bonsu, O., 2022. African Art Now: 50 Pioneers Defining African Art For The Twenty-First Century. Chronicle Books.
[5] Bundrick, S.D., 2019. Athens, Etruria, And The Many Lives Of Greek Figured Pottery. University Of Wisconsin Press..

Abstract:Religious tourism is among the most ancient and rapidly expanding sectors. This study examines the impact of local community attachment on the sustainability of a religious tourism attraction, focusing on Subukia Shrine as the research site. The sample comprised houses situated near the Shrine in Kenya. Where the majority of the population adheres to Christianity. 300 valid questionnaires were analysed. The regression results, derived from SPSS and Hayes Process Macro.......

Keywords: religious tourism, Shrine, community attachment, religiosity, sustainability

[1] Alvarez, M. D., Campo, S., & Fuchs, G. (2024). Variables Influencing Visitation Decisions To Conflict-Ridden Destinations: The Effect Of Religiosity. Anatolia, 35(4), 673-687.
[2] Aman, J., Abbas, J., Mahmood, S., Nurunnabi, M., & Bano, S. (2019). The Influence Of Islamic Religiosity On The Perceived Socio-Cultural Impact Of Sustainable Tourism Development In Pakistan: A Structural Equation Modeling Approach. Sustainability, 11(11), 3039.
[3] Ap, J. (1992). Residents' Perceptions On Tourism Impacts. Annals Of Tourism Research, 19(4), 665-690.
[4] Arli, D., Pentecost, R., & Thaichon, P. (2021). Does Religion Make Consumers More Environmentally Friendly?. Marketing Intelligence & Planning, 39(8), 1024-1041.
[5] Baker, M. A. (2024). Sustainable Tourism Employment: A Comprehensive Overview Of Tourism Employees’ Experience From A Tourist-Employee Interaction Perspective. Journal Of Hospitality And Tourism Management, 60, 228-238..