Despite general progress made in terms of Financial Inclusion worldwide, the gender gap has remained unaltered since 2011. The study aims to identify the impact of Financial Inclusion on women's empowerment. This research used descriptive qualitative methods. Content analysis approaches are used to analyze secondary data. Various reports published by the Reserve Bank of India (RBI) and other financial institutions have been used as relevant input. Besides, research articles from different reputed journals, websites, and magazines have been used. The study found that some strategies have been implemented to minimize the gender gap in access to financial services. The systems are Know Your Customer (KYC) norms, no-frill accounts; an extension of the financial services and became medium of empowering women; the introduction of a small loan to make the females capable and self-dependent. The paper provides implications about strategies to overcome the barriers women face to access and use financial services in the condition of social norms constraining women's capacity to access and meaningfully use financial services.
Background Fluoride may induce oxidative stress and apoptosis. It may also lead to neurobehavioural defects including neuromuscular damage. The present study aimed to explore the effects of sub lethal concentrations of sodium fluoride (NaF) on the lifespan and climbing ability of Drosophila melanogaster. In total, 0.6 mg/L and 0.8 mg/L of NaF were selected as sublethal concentrations of NaF for the study. Lifespan was measured and climbing activity assay was performed. Results The study showed significant decrease in lifespan of flies treated with fluoride. With increasing age, significant reduction in climbing activity was observed in flies treated with sodium fluoride as compared to normal (control) flies. Flies treated with tulsi (Ocimum sanctum) and NaF showed increase in lifespan and climbing activity as compared to those treated with NaF only. Lipid peroxidation assay showed significant increase in malondialdehyde (MDA) values in the flies treated with NaF as compared to control. The MDA values decreased significantly in flies treated with tulsi mixed with NaF. Conclusions The results indicate that exposure to sub lethal concentration of NaF may cause oxidative stress and affect the lifespan and climbing activity of D. melanogaster. Tulsi extract may help in reducing the impact of oxidative stress and toxicity caused by NaF.
An efficient financial system is a prerequisite for a country’s economic growth and development. Financial capability is a key factor to stabilizing and functioning the financial markets. It acts as a building block for the mobilization of saving and allocating them to the productive resources. The government of India along Reserve Bank of India (RBI) have taken a number of policy initiatives to include the large unbanked masses into the financial mainstreams. Recent development in communication and technology can be used in a very efficient manner for bringing the financially excluded people under the ambit of digital financial inclusion in a cost effective manner. The purpose of this paper is to examine the role of digital finance in bringing about financial inclusion among people and how it became economic booster for the nation and citizen in the times of COVID-19. The study collects various reports published by RBI and other financial and nonfinancial institutions as relevant inputs. This research uses thematic analysis with a qualitative approach. This paper finds that Digital financial services have a great capacity to support financial inclusion for inclusive economic development. Especially in the times of COVID19, digital financial services was great help for mankind to its survival. COVID 19 was the situation when there was complete lockdown all over the nation .lockdown was necessary to save life of people and digital finance acted as a booster for any of the economies around the world.
MSMEs are entrepreneurship growth channels whose existence is recognized as the backbone of national economic development. However, not all MSMEs use technological developments in their business processes. Weak individual skills and expertise as a result of weak mastery of Science and Technology (IPTEK) in a general sense and technological mastery of related products and services in a specific sense. This has an impact on the acceptance of MSME actors for the existence of technology for business continuity, therefore this study aims to see how social computing can affect the technology acceptance model by micro-entrepreneurs in maintaining business. This research is a qualitative research with a phenomenological design. The object of this research is the five people of Padang City micro-entrepreneurs, selected purposively with snowball sampling . Data was collected by means of in-depth interviews and naturalistic observations. This study uses data triangulation to test the validity of the data. The results of this study found that technological efficiency can improve business performance. Besides, the use of technology is able to make the effectiveness of business continuity. The use of technology is also user-friendly when used by users. This study provides implications regarding social computing that occurs between business actors and technology adoption that affects business actors in accepting technology for business resilience.
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