Microinsurance offers policies to cover four types of risk; life, health, accidental and property and is a key element for the financial inclusion of the poor. This study examined the influence of insurance literacy and demographics on the likely hood of having a micro-insurance policy. The survey was conducted in the National Capital Region (NCR), India. Micro-insurance literacy was measured using a Quiz. The demographic variables included in the study were gender, age, education, marital status, income and the type of employment. Data analysis was performed using descriptive statistics and binary logistic regression analysis. Results show that insurance literacy score, income, employment and education increased the likely hood of owning an insurance policy. Furthermore, it was found that the average insurance literacy was only (36 .75 %). Microinsurance can provide risk coverage to the poor which are the most vulnerable section of the society but so far almost 90 percent of the Indian population is uninsured. This study is warranted by the need to create a model that identifies the sections of society which are unlikely to own microinsurance thus contributing to the low offtake of insurance. This study may be beneficial to the government in terms of regulations, the insurance providers in designing their products and Non-Governmental Organizations (NGOs) so that they can reach out to the unlikely groups.

India has witnessed high economic growth rates in the past two decades and there has been a remarkable increase in the per capita income. But unfortunately many sections of the Indian population still remain economically deprived. Disabled persons though constitute a small part of the Indian population but their relative numbers are growing. Disabled lag behind in terms of education and employment which results in poverty. For equitable distribution of wealth and prosperity among all sections of population inclusive growth is necessary. The challenge is therefore not only to achieve higher economic growth rates but also to focus on economic inclusion so that all sections of the society are able to take advantage of opportunities. Promoting entrepreneurship among the disabled is a way to achieve faster and better economic integration. This paper highlights the barriers faced by entrepreneurs with disabilities. Also the paper tries to find out if these barriers are different than those faced by other entrepreneurs. Finally this paper highlights what steps can be taken to prevail over the various types of barriers being faced by disabled entrepreneurs.

This research is an inquiry of Control Objectives for Information and Related Technologies (COBIT) as a high-level governance and control framework which was proposed by ITGI by providing incite and statistical evidence investigating whether ITGI pillars can be accounted for the same IT governance dimension. The data were collected via a questionnaire distributed to 40 private organizations in the Middle East, comprising a sample size of 179 respondents of strategic-and tactical-level managers. To investigate the research questions, the researchers apply an exploratory and confirmatory factor analyses using EQS 6.3 and SPSS 21. The findings of the research indicate that there is an awareness of the nature of the relationship that IT governance has with its various factors as suggested by the COBIT framework: business/IT alignment, IT value delivery, IT resource management, IT risk management and IT performance. The findings also revealed that "IT risk management" is the leading indicator in explaining the IT governance application behavior. The validated model of ITGOV shows that "IT business alignment" has the least significant impact on the study sample. The overall results illustrate the needs and the imperatives of the model factors in achieving a better understanding of the characteristic value of the ITGOV applications using the COBIT framework as suggested by ITGI.

This exploratory study examines the effect of financial literacy (henceforward FL) on savings. A survey was conducted on 200 individuals in Oman for this study. Apart from FL, socio-demographics such as gender, age, and education were also analyzed. Data analysis was done using logistic regression. The results show that the level of FL had a significant, positive impact on individual savings. Also, demographics, such as age, educational level influenced the probability of saving positively. Results of this study advocate that it is important to increase financial literacy as it leads to more savings and thus helps in providing investment for the diversification of the Omani economy.

This scholarly work is an effort to capture the effects of oil prices on the actual exchange rate between dollar and rupee. This is done with reference to the U.S. dollar as oil prices are marked in USD (U.S. Dollar) in the international market, and India is among the top five importers of oil. Using monthly data from January 2001 to May 2020. The study used the real GDP, money supply, short-term interest rate difference between two countries, and inflation apart from the crude oil prices per barrel as the factors that help define the exchange rate. The analysis, through cointegration and vector error correction method (VECM), suggests long and short-run causality amid prices of oil and the rate of exchange fluctuations. Oil prices are found to be negatively related to the exchange rate in the long term but positively related in the short term. The result of the Wald test also indicates the short-run causation from the short-term interest rate and the prices of crude oil towards the exchange rate. The present study shows that oil prices are evidence of the existence of short-term and long-term driving associations with short-term interest rates and exchange rates.