Digital financial inclusion ensures that the marginalized and underserved population has digital access to and use of formal financial services. Such services should be personalized to the needs of consumers and delivered responsibly, at a cost that is both affordable consumers and fair for suppliers. For both individuals and companies, the digitalization of finance can reduce costs and open up new market and livelihood opportunities to help nations rebuild better after Covid 19. This study assesses the extent of digital financial inclusion and measures the awareness and usage level of digital financial services among tribal people in Kasaragod district, Kerala. The results showed that there is association between age of the respondents and the period of using digital financial services and also there is no significant difference between males and females in usage of digital financial services. The study reveals that people having different educational group have different level of awareness about digital financial services. Nisha K | Dr. Jayarajan T K "Digital Financial Inclusion among Tribes: A Post Covid Pandemic Scenario" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43815.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/social-science/43815/digital-financial-inclusion-among-tribes-a-post-covid-pandemic-scenario/nisha-k
The Influence of Sales Promotion and Brand Image toward the Purchasing Decisi...YogeshIJTSRD
The aim of this research is to know the influence of sales promotion and brand image to Shopee platform toward consumer purchasing decision by students in FISIP Slamet Riyadi Surakarta. The method uses survey. This research includes as quantitative explanative research. Research population is students of FISIP Slamet Riyadi Surakarta who buy products through Shopee. Technique sampling in nonprobability uses accidental sampling with 96 respondents. Technique of collecting data is questionnaire as primer data and files, documents as seconder data. Validity data test uses moment product test and reliability data test uses cronbach alpha test. Analysis technique uses multiple regressions analysis by doing classic assumption test. The result shows that, as simultanouesly, both of free variables influence purchasing decision, while, as individually, sales promotion does not give influence to purchasing decision as 0,848. Then, brand image gives significant influence to purchasing decision as 0,004. Nurnawati Hindra Hastuti | Andri Astuti Itasari "The Influence of Sales Promotion and Brand Image toward the Purchasing Decision in Shopee Platform" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43905.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/social-science/43905/the-influence-of-sales-promotion-and-brand-image-toward-the-purchasing-decision-in-shopee-platform/nurnawati-hindra-hastuti
Customer Perceived Risk and Adoption of E Banking Services in Southeast Niger...YogeshIJTSRD
The study examined the relationship between perceived risk and the adoption of electronic banking in Southeast, Nigeria with the moderating effect of selected Socio demographics, Specifically, the study addressed the relationship between the seven dimensions of perceived risk financial, performance, social, physical, privacy, time and psychological risks and the adoption of electronic banking in the south eastern region of Nigeria using the moderating effect of educational qualification. The study adopted a descriptive survey research design questionnaires were employed in collecting primary data while documentary sources were adopted for secondary data. The population of the study was made up of electronic banking users in the five States that make up the south east region of Nigeria. Since the population is unknown, the Cochran formula for determining sample size for an infinite population was adopted to get the sample size of four hundred and ninety 490 electronic banking adopters. Descriptive statistics were used to check the behaviour of the data. The data from 424 valid responses were analysed and hypotheses tested using the Structural Equation Model SEM and with the aid of WarpPLS 6.0 software. Results from the study revealed that perceived risks in its seven dimension examined, has a significant relationship with the adoption of E banking in Southeast, Nigeria, The results showed that the following risk dimensions were significantly moderated by educational qualification Financial risk, privacy risk, social risk and Psychological risk, meanwhile, performance, physical and time risk were not moderated by educational qualification thus recommended that Managers of financial institutions should strategically develop plans to reduced or eliminate the risk perceived by customers by organizing educational programs to facilitate the adoption of e banking services in Nigeria. Chibike Onyije Nwuba | Prof Ireneus Chukwudi Nwaizugbo "Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43866.pdf Paper URL: https://www.ijtsrd.com/management/marketing/43866/customer-perceived-risk-and-adoption-of-ebanking-services-in-southeast-nigeria-the-moderating-effect-of-educational-qualification/chibike-onyije-nwuba
The Digital Infrastructure for Knowledge Based Tourism Building Ontology Conc...YogeshIJTSRD
Tourism is a strategy for country to increase its income. Digital technologies are currently used to help improve tourism, for example with information about tourist areas through the website or Mobile Apps. Database is required as the basic infrastructure for implementing system when to support tourism In this research, we discussed about the database model that can stored tourism data. Tourism databases such as warehouses are rich in information about tourism. Tourism information can be in the structured or unstructured form. Database development is an important part of enhancing development supported by digital technology. In this research, ontology is applied for database development and it produce the ontologies that could be utilized for tourism. In this research, ontology is applied for database development and it produces the ontologies that could be utilized for gastronomic tourism. Khamida Tulaeva | Detty Purnamasari "The Digital Infrastructure for Knowledge Based Tourism: Building Ontology Concept by XML Schema Definition and Extensible Markup Language" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44944.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/44944/the-digital-infrastructure-for-knowledge-based-tourism-building-ontology-concept-by-xml-schema-definition-and-extensible-markup-language/khamida-tulaeva
Review on Smart Dairy ERP System Based on Android ApplicationYogeshIJTSRD
Dairy is one of the biggest agribusinesses in India and a significant contributor to Indian economy. It operates round the year to deliver milk and other dairy products to every human being. It is one the industries that still relies heavily on regional supplies, mostly from the rural areas. In regards to the dairy industry, Indian markets with the greatest growth potential are also among the least developed in infrastructure and consumer awareness. Though large scale dairies like Gokul have automated and latest technology at their disposal, the small scale and mid scale dairies are still intimidated by the use of technology mostly because of the cost and complexity of the IT systems. Hence, making the process much more labouring, inefficient and error prone. Dairy production faces multiple challenges, most of these challenges are related to the supply chain, at the level of dairy farms and milk collection. One of the most common and alarming challenges is deception of farmers by the upper management in the dairies. The dairy farmers suffer from financial loss as they are often deceived by collection center owners into paying higher commissions and the dairy administrators are unaware of it. So in order to earn a profit, dairy farmers turn to options like adulteration of milk which declines the milk quality. This can be avoided by having an integrated system. An ERP system will ensure that the farmers will get paid fair prices, the collection center owners get their commission accordingly and the dairy administrator can manage all this with ease. This will make the dairy industry more reliable and profitable. Miss. Shailja S. Panhalkar | Miss. Vanashri S. Shinde | Miss. Rucha D. Patil "Review on Smart Dairy ERP System Based on Android Application" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43920.pdf Paper URL: https://www.ijtsrd.com/computer-science/world-wide-web/43920/review-on-smart-dairy-erp-system-based-on-android-application/miss-shailja-s-panhalkar
Capacity Management and Survival of Selected Small and Medium Enterprises SME...YogeshIJTSRD
The contribution of small and medium enterprises SMEs is very critical to the growth and development of a developing region like South South Nigeria. The objective of this study is to access the relationship that exists between capacity management and survival of small and medium enterprises SMEs in South South Nigeria. Survey method was used for this study while random sampling technique was adopted. Paired T test and Cronbach Alpha via statistical Package for Social Science SPSS version 22 were used to analyse the data. Primary data were collected using the questionnaire as the primary research instrument. Findings showed that inventory level, level of employee skills and number of employees were significantly related with SMEs’ survival at 5 significantly level. In view of the above findings, this study concluded that effective capacity management is the fulcrum on which survival of SMEs revolves. The study therefore recommends among others that SMEs should give more serious attention to capacity management strategies in a bid to enhancing the survival of SMEs in South South Nigeria Musah Ishaq | Momoh Imonikhe Suleman "Capacity Management and Survival of Selected Small and Medium Enterprises (SMEs) in South-South Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43933.pdf Paper URL: https://www.ijtsrd.com/management/public-sector-management/43933/capacity-management-and-survival-of-selected-small-and-medium-enterprises-smes-in-southsouth-nigeria/musah-ishaq
Effect of Entrepreneurship Skills on the Development of the Niger Delta Regio...YogeshIJTSRD
The research work titled “Effect of entrepreneurship skills on the Development of the Niger Delta region, has the broad objective of ascertaining the effect of entrepreneurial skills on the development of Niger Delta region. The study adopted content analysis method which employed secondary sources of data. The study was guided by human capacity theory. It further revealed that the development of the Niger Delta region is faced with the corruption among the government agencies which could not allow the full execution of the agencies’ Master Plan on the development of Niger Delta region. The implication of the study is that entrepreneurship skills acquisition has made effort to ensure accelerated development of the Niger Delta region in the country despite the impoverished nature of the region in terms of human capital development. Following the trend of development in the Niger Delta region through entrepreneurship skills, the researcher made the following recommendations the people of Nigeria Delta region should be willing to embrace any development activities initiated by the government in their area knowing well that it is for their good well being, since it is capable of making them more entrepreneurially skilled. Government and oil and gas multinationals in the region should regularly organize seminars, workshop, and symposium on Entrepreneurships in order to sensitize the people on its impact on development of their region, and Government should pay more attention on the development of entrepreneurship skills in Niger Delta region so as to forestall the youth restiveness and redundancy in the area etc. Nwire Sunday Oscar | Prof. Ewuim Christiana Ngozi "Effect of Entrepreneurship Skills on the Development of the Niger Delta Region of Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43880.pdf Paper URL: https://www.ijtsrd.com/management/other/43880/effect-of-entrepreneurship-skills-on-the-development-of-the-niger-delta-region-of-nigeria/nwire-sunday-oscar
Effect of Cooperative Membership on Needs Satisfaction among Staff of Tertiar...YogeshIJTSRD
With the growing recognition of cooperatives as a vibrant and viable economic alternative to alleviate hardship, it does appear that members’ needs satisfaction is yet to be met. This study, therefore, examined the effect of cooperative membership on needs satisfaction among staff of tertiary institutions in Anambra State, Nigeria. The population of study and sample size which was generated using the Taro Yamane formula was 6,647 and 377 cooperative members respectively. A multi stage sampling technique was used in selecting study participants. Data were sourced from a primary source. The generated data were presented and analyzed using descriptive statistics. The study hypothesis was tested using regression analysis. The findings revealed that 93 of the variation in physical needs of members is caused by the length of cooperative membership and frequency of cooperative patronage at a 5 level of significance. This study concluded that the length of cooperative membership and frequency of patronage enhances the actualization of the physical needs of members. Therefore, it was recommended among others that the cooperative societies should continue to strive in ensuring that members’ needs are reasonably met. In doing this, the cooperatives should possibly adopt a scale of preference approach in tackling members need. Enemuo Nnanyelugo Chukwubikem | Nwankwo Frank "Effect of Cooperative Membership on Needs Satisfaction among Staff of Tertiary Institutions in Anambra State, Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43918.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/43918/effect-of-cooperative-membership-on-needs-satisfaction-among-staff-of-tertiary-institutions-in-anambra-state-nigeria/enemuo-nnanyelugo-chukwubikem
Investment is one of the most essential activities to be developed in young generations, especially
among Generation Z. One of the most popular investment instruments in Indonesia is stock investment.
Technology advancements in the current digital era have made it easier for Generation Z to actively participate
in the stock market.
The Influence of Sales Promotion and Brand Image toward the Purchasing Decisi...YogeshIJTSRD
The aim of this research is to know the influence of sales promotion and brand image to Shopee platform toward consumer purchasing decision by students in FISIP Slamet Riyadi Surakarta. The method uses survey. This research includes as quantitative explanative research. Research population is students of FISIP Slamet Riyadi Surakarta who buy products through Shopee. Technique sampling in nonprobability uses accidental sampling with 96 respondents. Technique of collecting data is questionnaire as primer data and files, documents as seconder data. Validity data test uses moment product test and reliability data test uses cronbach alpha test. Analysis technique uses multiple regressions analysis by doing classic assumption test. The result shows that, as simultanouesly, both of free variables influence purchasing decision, while, as individually, sales promotion does not give influence to purchasing decision as 0,848. Then, brand image gives significant influence to purchasing decision as 0,004. Nurnawati Hindra Hastuti | Andri Astuti Itasari "The Influence of Sales Promotion and Brand Image toward the Purchasing Decision in Shopee Platform" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43905.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/social-science/43905/the-influence-of-sales-promotion-and-brand-image-toward-the-purchasing-decision-in-shopee-platform/nurnawati-hindra-hastuti
Customer Perceived Risk and Adoption of E Banking Services in Southeast Niger...YogeshIJTSRD
The study examined the relationship between perceived risk and the adoption of electronic banking in Southeast, Nigeria with the moderating effect of selected Socio demographics, Specifically, the study addressed the relationship between the seven dimensions of perceived risk financial, performance, social, physical, privacy, time and psychological risks and the adoption of electronic banking in the south eastern region of Nigeria using the moderating effect of educational qualification. The study adopted a descriptive survey research design questionnaires were employed in collecting primary data while documentary sources were adopted for secondary data. The population of the study was made up of electronic banking users in the five States that make up the south east region of Nigeria. Since the population is unknown, the Cochran formula for determining sample size for an infinite population was adopted to get the sample size of four hundred and ninety 490 electronic banking adopters. Descriptive statistics were used to check the behaviour of the data. The data from 424 valid responses were analysed and hypotheses tested using the Structural Equation Model SEM and with the aid of WarpPLS 6.0 software. Results from the study revealed that perceived risks in its seven dimension examined, has a significant relationship with the adoption of E banking in Southeast, Nigeria, The results showed that the following risk dimensions were significantly moderated by educational qualification Financial risk, privacy risk, social risk and Psychological risk, meanwhile, performance, physical and time risk were not moderated by educational qualification thus recommended that Managers of financial institutions should strategically develop plans to reduced or eliminate the risk perceived by customers by organizing educational programs to facilitate the adoption of e banking services in Nigeria. Chibike Onyije Nwuba | Prof Ireneus Chukwudi Nwaizugbo "Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43866.pdf Paper URL: https://www.ijtsrd.com/management/marketing/43866/customer-perceived-risk-and-adoption-of-ebanking-services-in-southeast-nigeria-the-moderating-effect-of-educational-qualification/chibike-onyije-nwuba
The Digital Infrastructure for Knowledge Based Tourism Building Ontology Conc...YogeshIJTSRD
Tourism is a strategy for country to increase its income. Digital technologies are currently used to help improve tourism, for example with information about tourist areas through the website or Mobile Apps. Database is required as the basic infrastructure for implementing system when to support tourism In this research, we discussed about the database model that can stored tourism data. Tourism databases such as warehouses are rich in information about tourism. Tourism information can be in the structured or unstructured form. Database development is an important part of enhancing development supported by digital technology. In this research, ontology is applied for database development and it produce the ontologies that could be utilized for tourism. In this research, ontology is applied for database development and it produces the ontologies that could be utilized for gastronomic tourism. Khamida Tulaeva | Detty Purnamasari "The Digital Infrastructure for Knowledge Based Tourism: Building Ontology Concept by XML Schema Definition and Extensible Markup Language" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44944.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/44944/the-digital-infrastructure-for-knowledge-based-tourism-building-ontology-concept-by-xml-schema-definition-and-extensible-markup-language/khamida-tulaeva
Review on Smart Dairy ERP System Based on Android ApplicationYogeshIJTSRD
Dairy is one of the biggest agribusinesses in India and a significant contributor to Indian economy. It operates round the year to deliver milk and other dairy products to every human being. It is one the industries that still relies heavily on regional supplies, mostly from the rural areas. In regards to the dairy industry, Indian markets with the greatest growth potential are also among the least developed in infrastructure and consumer awareness. Though large scale dairies like Gokul have automated and latest technology at their disposal, the small scale and mid scale dairies are still intimidated by the use of technology mostly because of the cost and complexity of the IT systems. Hence, making the process much more labouring, inefficient and error prone. Dairy production faces multiple challenges, most of these challenges are related to the supply chain, at the level of dairy farms and milk collection. One of the most common and alarming challenges is deception of farmers by the upper management in the dairies. The dairy farmers suffer from financial loss as they are often deceived by collection center owners into paying higher commissions and the dairy administrators are unaware of it. So in order to earn a profit, dairy farmers turn to options like adulteration of milk which declines the milk quality. This can be avoided by having an integrated system. An ERP system will ensure that the farmers will get paid fair prices, the collection center owners get their commission accordingly and the dairy administrator can manage all this with ease. This will make the dairy industry more reliable and profitable. Miss. Shailja S. Panhalkar | Miss. Vanashri S. Shinde | Miss. Rucha D. Patil "Review on Smart Dairy ERP System Based on Android Application" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43920.pdf Paper URL: https://www.ijtsrd.com/computer-science/world-wide-web/43920/review-on-smart-dairy-erp-system-based-on-android-application/miss-shailja-s-panhalkar
Capacity Management and Survival of Selected Small and Medium Enterprises SME...YogeshIJTSRD
The contribution of small and medium enterprises SMEs is very critical to the growth and development of a developing region like South South Nigeria. The objective of this study is to access the relationship that exists between capacity management and survival of small and medium enterprises SMEs in South South Nigeria. Survey method was used for this study while random sampling technique was adopted. Paired T test and Cronbach Alpha via statistical Package for Social Science SPSS version 22 were used to analyse the data. Primary data were collected using the questionnaire as the primary research instrument. Findings showed that inventory level, level of employee skills and number of employees were significantly related with SMEs’ survival at 5 significantly level. In view of the above findings, this study concluded that effective capacity management is the fulcrum on which survival of SMEs revolves. The study therefore recommends among others that SMEs should give more serious attention to capacity management strategies in a bid to enhancing the survival of SMEs in South South Nigeria Musah Ishaq | Momoh Imonikhe Suleman "Capacity Management and Survival of Selected Small and Medium Enterprises (SMEs) in South-South Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43933.pdf Paper URL: https://www.ijtsrd.com/management/public-sector-management/43933/capacity-management-and-survival-of-selected-small-and-medium-enterprises-smes-in-southsouth-nigeria/musah-ishaq
Effect of Entrepreneurship Skills on the Development of the Niger Delta Regio...YogeshIJTSRD
The research work titled “Effect of entrepreneurship skills on the Development of the Niger Delta region, has the broad objective of ascertaining the effect of entrepreneurial skills on the development of Niger Delta region. The study adopted content analysis method which employed secondary sources of data. The study was guided by human capacity theory. It further revealed that the development of the Niger Delta region is faced with the corruption among the government agencies which could not allow the full execution of the agencies’ Master Plan on the development of Niger Delta region. The implication of the study is that entrepreneurship skills acquisition has made effort to ensure accelerated development of the Niger Delta region in the country despite the impoverished nature of the region in terms of human capital development. Following the trend of development in the Niger Delta region through entrepreneurship skills, the researcher made the following recommendations the people of Nigeria Delta region should be willing to embrace any development activities initiated by the government in their area knowing well that it is for their good well being, since it is capable of making them more entrepreneurially skilled. Government and oil and gas multinationals in the region should regularly organize seminars, workshop, and symposium on Entrepreneurships in order to sensitize the people on its impact on development of their region, and Government should pay more attention on the development of entrepreneurship skills in Niger Delta region so as to forestall the youth restiveness and redundancy in the area etc. Nwire Sunday Oscar | Prof. Ewuim Christiana Ngozi "Effect of Entrepreneurship Skills on the Development of the Niger Delta Region of Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43880.pdf Paper URL: https://www.ijtsrd.com/management/other/43880/effect-of-entrepreneurship-skills-on-the-development-of-the-niger-delta-region-of-nigeria/nwire-sunday-oscar
Effect of Cooperative Membership on Needs Satisfaction among Staff of Tertiar...YogeshIJTSRD
With the growing recognition of cooperatives as a vibrant and viable economic alternative to alleviate hardship, it does appear that members’ needs satisfaction is yet to be met. This study, therefore, examined the effect of cooperative membership on needs satisfaction among staff of tertiary institutions in Anambra State, Nigeria. The population of study and sample size which was generated using the Taro Yamane formula was 6,647 and 377 cooperative members respectively. A multi stage sampling technique was used in selecting study participants. Data were sourced from a primary source. The generated data were presented and analyzed using descriptive statistics. The study hypothesis was tested using regression analysis. The findings revealed that 93 of the variation in physical needs of members is caused by the length of cooperative membership and frequency of cooperative patronage at a 5 level of significance. This study concluded that the length of cooperative membership and frequency of patronage enhances the actualization of the physical needs of members. Therefore, it was recommended among others that the cooperative societies should continue to strive in ensuring that members’ needs are reasonably met. In doing this, the cooperatives should possibly adopt a scale of preference approach in tackling members need. Enemuo Nnanyelugo Chukwubikem | Nwankwo Frank "Effect of Cooperative Membership on Needs Satisfaction among Staff of Tertiary Institutions in Anambra State, Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43918.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/43918/effect-of-cooperative-membership-on-needs-satisfaction-among-staff-of-tertiary-institutions-in-anambra-state-nigeria/enemuo-nnanyelugo-chukwubikem
Investment is one of the most essential activities to be developed in young generations, especially
among Generation Z. One of the most popular investment instruments in Indonesia is stock investment.
Technology advancements in the current digital era have made it easier for Generation Z to actively participate
in the stock market.
Effect of Advertising Media on Sales Performance of Cable TV Network Firms in...AI Publications
The study aimed to investigate the impacts of advertising media on sales performance of firms in Cable TV network sector in Mwanza city, Tanzania. Specifically, this study concentrated in determining how digital marketing affects sales performance, determining effect of TV/Radio on sales performance of firms, assessing effect of outdoor (out of home) on sales performance.. This study employed quantitative methodology. The targeted population of the study was about 414 network managers from the six Cable TV network service providers and A sample of 83 network managers, selected from a population of 414 Cable TV network firms and were selected using simple random sampling technique. Questionnaire and documentary review are used to collect data. The study employed descriptive statistics and inferential statistics. The results revealed that all the advertising media namelydigital marketing, TV/Radio and outdoor had a significantly positive effect on sales performance of Cable Network firms. The study further found that mobile marketing had the highest effect of firms’ ales performance followed by outdoor adverting, then social media marketing and lastly TV/Radio. The study lastly recommends that management should create readiness of the company in terms of ensuring products and organization area, and establish a great team. The study also recommended that Cable TV firms should use more of modern advertising especially mobile marketing and social media marketing as they can be accessed by customer 24/7/365 and will reach more people. The marketing/Advertising department should develop marketing plan for advertising to assist measuring effectiveness of each advertising media and hence this can help in developing effective marketing activities.
Perceived benefits of E-Banking and its Relationship on Banking Performance i...AI Publications
Not so long ago, numerous banks in Tanzania have commenced using of digital technologies to influence business transactions; however, there is little understanding on the perceived benefits of these products on the performance of the banks. The study scrutinized the perceived benefits from using E-Banking and its relationship on banking performance in Tanzania taking CRDB and NMB banks as the case study. The specific objectives of the research were three and they include;(i) look on benefits of internet banking and its effect on banking performance, (ii) to assess the perceived benefits of mobile banking and how it impacts the banking performance and (iii) to determine the perceived benefits of ATM services and how it impacts on banking performance. The study adopted a quantitative research design whereby a questionnaire was distributed to 352 banks customers in Mwanza region in an attempt to arrive to a larger sample of respondents. A simple random sampling technique was used in this study so as to allow an equal chance of participants to fill up in the questionnaire and to reduce the elements of bias. The regression results on the overall model showed that the model accounted for adjusted R2 value of 51.3% of the variance explained by the indicator; and the F-statistic of 124.391 which was significant as p = .000. With respect to individual variables, the results of the study brought out forward that the benefits of internet banking were positively related to banks performance although the effect was moderate. Similarly, ATM teller machines and mobile banking had positive and significant effects on the banking performance. In the end it was recommended for commercial banks to improve awareness to customers on some of the e-banking product like internet banking, in addition the commercial banks are supposed to maximize the number of e-banking product so as to minimize congestion on banking premises, and to place banking facilities to various locations to ease access by customers.
Effect of Credit Information Bureau and Appraisal Methods on performance of C...AI Publications
This study intended to identify the effect of credit information bureau and appraisal methods on performance of commercial banks in Mwanza Region. Specifically, the study intended to assess the effect of Credit Reference Bureaus’ information sharing on the credit performance of commercial banks, to assess the effect of the credit scoring appraisal method employed on the performance of commercial banks and to assess the effect of non-performing loans on the performances of Commercial Banks in the Mwanza Region. The study was guided by three theories; the theory of asymmetric information, moral hazard theory and multiple - bank lending model. The study adopted a descriptive research design, sampling 105 respondents randomly and purposefully and collected data through questionnaires. The aim is to establish the effect of credit information bureau and appraisal credit scoring methods on the performance of commercial banks in the Mwanza Region. Results revealed that credit information bureau had a positive, strong effect on the credit performance of commercial banks, and this effect is significant in Mwanza region. Non-performing loans had a positive, weak effect on the credit performance of commercial bank and it was not significant. Finally the credit scoring appraisal approach has a negative, weak effect on commercial bank credit performance. The study concluded that credit information bureau has a significant influence on credit performance of commercial banks and therefore should be used to reduce non-performing loans. The study recommended that banks should continue to use the credit reference bureau’s information-sharing services as it enhances their profitability through the reduction of non-performing loans.
Entrepreneurial Orientation and Performance of Small and Medium Scale Enterpr...YogeshIJTSRD
Ineffective and poor entrepreneurial orientation seems to adversely affect performance of small and medium scale enterprises SMEs in Nigeria. Thus, the study was designed to examine relationship that exists between entrepreneurial orientation and performance of SMEs in South Eastern Nigeria. The study adopted a survey research design. The target population of the study comprised of 35,535 SMEs in South East Nigeria with a sample of 396 respondents, arrived at using Taro Yamane Formula. Data was collected using structured questionnaire and analyzed using, frequency, percentage and mean. Pearson Product Moment Correlation Coefficient was used to test the hypotheses at 5 level of significance. Results indicated that there exist a strong positive relationship between strategic orientation and market expansion of SMEs r=0.76, p value 0.05 and that there exist a strong positive relationship between market orientation and market sustainability of SMEs business activities r=0.83, p value 0.05 The study concluded that entrepreneurial orientation has positive impact on the performance of SMEs in South East Nigeria and recommended among others that SMEs need to embrace entrepreneurial orientation, strategic orientation and market orientation, to improve business performance. Chinedu Cosmas Onyemesi | Michael Augustine Ikon "Entrepreneurial Orientation and Performance of Small and Medium Scale Enterprises (SMES) in South-Eastern Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43904.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/43904/entrepreneurial-orientation-and-performance-of-small-and-medium-scale-enterprises-smes-in-southeastern-nigeria/chinedu-cosmas-onyemesi
In recent years, with the economic development and technological progress, the traditional medical
service system has been unable to adapt to changes in demand. With the gradual advancement of science and
technology, how medical institutions can build medical big data analysis capabilities, enhance medical big data
analysis capabilities, create public benefits, and improve social welfare has become a concern of the medical
community
Contribution of Skill Development Program on Self-Employment in Nyamagana Dis...AI Publications
This study aimed to investigate the contribution of skill development to self-employment. The study specifically aimed to identify skills development programs required for self-employment among youth. To identify the roles of stakeholders in contributing to skills development programs on self-employment among youth and to examine factors hindering the contribution of skills development programs towards self-employment among youth. Based on the findings through questionnaires and interviews it can be concluded that skills development programs are very important for youth selfemployment in society. That skills development contributes highly to the youth in the determination of entrepreneurship opportunities; it then gives youth time to learn about the management of their enterprises as well as creating a link between one economic sector to another. However, it was established that there are challenges facing skills development programs among youth, which need to be mitigated properly to obtain positive, results about the improvement of youth selfemployment.
Effect of Development Centres on Educational Service Delivery in Selected Rur...YogeshIJTSRD
Effect of development centers on education service delivery in selected rural communities in Ebonyi State was undertaken with a view to address the perceived challenges of development centers towards the improvement of lives in rural communities in the state through effective and efficient education service delivery. Among the objectives of this research were to evaluate the effect of development Centres on education Service Delivery which affected development in most rural communities in Ebonyi State. The study adopted descriptive survey research. Five thousand, nine hundred and ninety four staff and community heads were selected from fifty one development centers selected based on the number of DCs drawn from the three geopolitical zones out of sixty four development centers in Ebonyi State, using Taro Yamani formula to determine the sample size of three hundred and seventy five. The hypotheses were analyzed using Pearson Product moment correlation coefficient to show the relationship between development centers and service delivery in the development of communities in Ebonyi State. From the data analysis made, the result revealed among others that variable as funding, appointment of relatives as coordinators, and legal provisions are major challenges of development centers towards educational service delivery in the development of communities in Ebonyi State. The study concludes that despite weakness of development centers, the recognition and importance of development centers in developmental process is necessary because of its imperativeness in tackling community development through educational service delivery in Ebonyi State. The study further recommend as follow The establishment of Development centers should be abolished since it can no longer stand the taste of its creation. Government should change the Development Centers structures to educational structures so to cushion the effect of those schools that lack infrastructures. Unnecessary state government interference into local government affairs should be reviewed to curb the conflicts existing between the two tiers of government etc. Prof. Ewuim Christiana Ngozi | Nwire Sunday Oscar | Nwakamma Michael Chibuzor "Effect of Development Centres on Educational Service Delivery in Selected Rural Communities in Ebonyi State, Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43730.pdf Paper URL: https://www.ijtsrd.com/management/public-sector-management/43730/effect-of-development-centres-on-educational-service-delivery-in-selected-rural-communities-in-ebonyi-state-nigeria/prof-ewuim-christiana-ngozi
Impact of Social Media Marketing on Small Businesses’ Sales Performance: A Ca...AI Publications
This study was conducted toinvestigate the impact of Social Media Marketing on Small Businesses’ Sales Performance: A Case of Women Clothing Stores in Nyamagana District, Tanzania. The study used quantitative research approach. Data was collected through questionnaires, and the analysis was conducted using quantitative means by which statistical package for social science (SPSS V 22) software was employed quantitative analysis was employed.ANOVA was applied to predict how use Facebook, Instagram and Twitter for marketing purposes influences the sales performance of small businesses engaging in women clothing retailing.In this study,regression analysis was applied to find out the relationship equation for the independent variable (use of Facebook, Instagram, and Twitter).Through this the researcher was able to understand the effects of the relationship between independent variable and dependent variable of the study. The result obtained through regression analysis established that Facebook has impacts on the sales performance of small business (Beta = .199, P <.020). The results obtained in this aspect shows that the increase in the use of Facebook by 1 unit attributes increase of performance of small business by 0.20. On Instagram, thefindings obtained through linear regression established that Instagram has a significant impact on the sales performance of small business (Beta = .369, P <.947). And on Twitterthe results obtained through regression analysis revealed that Twitter has no direct relationship on the sales performance of small business (Beta = -.599, P <-.945). The study recommends further studies to be conducted on the strategies to be used to improve the application of social media in the small business.
Predictors of Mobile Payment Adoption among Informal Sector in South East Nig...YogeshIJTSRD
Mobile phone has advanced to the extent that it has made life more comfortable and efficient. The comfort of being able to pay for goods and services from any point of transaction, using mobile payment system has become a vital issue as it saves a lot of time and the risks involved in carrying cash. However, Mobile payment system have not taken off as fast as expected especially in the Informal Sector in Nigeria. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the Predictors of Mobile Payment adoption among informal sector in South East Nigeria. The study adopted a survey research design and examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, mobility, payment knowledge, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 665 questionnaire distributed to the mobile phone users, operating under the informal sector of the capital cities of the five states Abia=Umuahia Anambra=Awka Ebonyi=Abakiliki Enugu=Enugu Imo=Owerri that make up South East Nigeria, 484 questionnaires were returned. The findings showed that Perceived ease of use, Perceived usefulness, mobility, Perceived Trust and Perceived Risk significantly influence Behavioural Intention to adopt M payment by the informal sector. While M Payment knowledge and Perceived cost do not significantly influence Behavioural Intention to adopt M payment by the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Prof. Irenus. C. Nwaizugbo "Predictors of Mobile Payment Adoption among Informal Sector in South-East Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38707.pdf Paper URL: https://www.ijtsrd.com/management/marketing/38707/predictors-of-mobile-payment-adoption-among-informal-sector-in-southeast-nigeria/anyaeneh-vivian-kamsoluchi
Not only in Vietnam’s bond market, but in the world, green bond is considered to be a useful tool for
the businesses to mobilize capital for the benefits of the environment and society. According to opinions from
experts
Effect of Abnormal Cash Flow Quality on Big 4 and Non Big 4 Audited Firms in ...YogeshIJTSRD
This study compare financial reporting quality of Big 4 audited and non Big 4 audited firms in Nigeria. Specifically, compares the abnormal operating cash flow quality, and abnormal production expenditure quality, and unexpected core earnings of Big 4 and non Big 4 audited firms. The study adopts the ex post facto research design as the goal is not manipulate any variable but rather establish comparative difference. The population comprised of quoted manufacturing firms and the sample restricted to a purposive sample of 62 firms from 6 sectors listed on the Nigerian Stock Exchange NSE . The study utilized secondary data retrieved from annual financial statements of the sampled firms. The data were analyzed using several techniques such as multiple regression, and correlation. The results showed a statistically significant difference in abnormal operating cash flow quality of Big 4 and non Big 4 audited firms a statistically significant difference in abnormal production expenditure quality of Big 4 and non Big 4 audited firms. Based on this, the study recommends that shareholders during Annual General Meeting AGM may also seek the adoption of joint auditors to strengthen audit quality and cushion against shocks from manipulative practices of managers or the lack of independence from continued engagement of particular audit firms. Anazonwu, Helen O. | Egbunike, Patrick A. "Effect of Abnormal Cash Flow Quality on Big 4 and Non-Big 4 Audited Firms in Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43847.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/43847/effect-of-abnormal-cash-flow-quality-on-big-4-and-nonbig-4-audited-firms-in-nigeria/anazonwu-helen-o
Fifty years ago, when the Pakistani military carried out a massacre against the people of East
Bangle, the freedom-loving people stood up and fought back
A recent Future Watch study identifies and describes future consumer trends in Mainland China and Hong Kong over the next 2-10 years. These trends are likely to impact the products and services these consumers buy and the marketing they respond to. It aims to identify significant trends that are specific to China’s unique market.
Central to the forecasting is identifying 12 consumer roles that represent key China trends. Each role has an accompanying case study which explains how brands are starting /planning to tap into these nascent trends.
Summary – My Health – Future Health Solutions in Emerging Market Service (Ind...Team Finland Future Watch
Main questions of My Health investigations are: 1) How cultural and geographical contexts effect on acceptance of new health products, services and solutions and what are the motivations behind different choices? 2) What kind of consumer and customer understanding do Finnish enterprises need in order to success in emerging markets 3) What kind of cultural or customer behavior changes would be anticipated in emerging markets in future?
Digital Payment Dynamics Unveiling the Impacts on Sustainable Development, En...ijtsrd
Digital payment, a pivotal component of bankings digital transformation, plays a crucial role in fostering a nations economic growth. This is achieved by facilitating seamless and convenient online transactions, thereby enhancing customer experience and streamlining banking operations. Given the widespread use of smartphones and internet access among todays population, digital modes such as UPI, USSD, and internet banking have become integral to various activities like financial transactions and online shopping. In the contemporary era, sustainability, encompassing social inclusion, environmental protection, and economic growth, is paramount. By exploring the nexus between digital payment and sustainability, the paper aims to provide insights into the transformative potential of digitalization in fostering economic growth while aligning with the principles of social inclusion and environmental preservation. Descriptive in nature, the research relies on secondary data gathered from various sources, including books, journals, and articles, available on electronic platforms. Digitalization emerges as a valuable tool contributing to sustainable development, with a focus on achieving a cashless economy, reducing the carbon footprint associated with financial transactions, and providing cost effective services to citizens, thereby promoting enhanced financial inclusion. This paper delves into the role of digital payments in the banking sector in realizing sustainable development goals. Examining government policies on digital payment and sustainability, the paper addresses the challenges and opportunities associated with sustainable development. Dr. Suresh Chandra Agarwal | Vaishali Shukla | Abhishek Awasthi "Digital Payment Dynamics: Unveiling the Impacts on Sustainable Development, Environmental Protection, and Social Inclusion" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63442.pdf Paper Url: https://www.ijtsrd.com/management/equality-diversity-and-inclusion/63442/digital-payment-dynamics-unveiling-the-impacts-on-sustainable-development-environmental-protection-and-social-inclusion/dr-suresh-chandra-agarwal
Effect of Advertising Media on Sales Performance of Cable TV Network Firms in...AI Publications
The study aimed to investigate the impacts of advertising media on sales performance of firms in Cable TV network sector in Mwanza city, Tanzania. Specifically, this study concentrated in determining how digital marketing affects sales performance, determining effect of TV/Radio on sales performance of firms, assessing effect of outdoor (out of home) on sales performance.. This study employed quantitative methodology. The targeted population of the study was about 414 network managers from the six Cable TV network service providers and A sample of 83 network managers, selected from a population of 414 Cable TV network firms and were selected using simple random sampling technique. Questionnaire and documentary review are used to collect data. The study employed descriptive statistics and inferential statistics. The results revealed that all the advertising media namelydigital marketing, TV/Radio and outdoor had a significantly positive effect on sales performance of Cable Network firms. The study further found that mobile marketing had the highest effect of firms’ ales performance followed by outdoor adverting, then social media marketing and lastly TV/Radio. The study lastly recommends that management should create readiness of the company in terms of ensuring products and organization area, and establish a great team. The study also recommended that Cable TV firms should use more of modern advertising especially mobile marketing and social media marketing as they can be accessed by customer 24/7/365 and will reach more people. The marketing/Advertising department should develop marketing plan for advertising to assist measuring effectiveness of each advertising media and hence this can help in developing effective marketing activities.
Perceived benefits of E-Banking and its Relationship on Banking Performance i...AI Publications
Not so long ago, numerous banks in Tanzania have commenced using of digital technologies to influence business transactions; however, there is little understanding on the perceived benefits of these products on the performance of the banks. The study scrutinized the perceived benefits from using E-Banking and its relationship on banking performance in Tanzania taking CRDB and NMB banks as the case study. The specific objectives of the research were three and they include;(i) look on benefits of internet banking and its effect on banking performance, (ii) to assess the perceived benefits of mobile banking and how it impacts the banking performance and (iii) to determine the perceived benefits of ATM services and how it impacts on banking performance. The study adopted a quantitative research design whereby a questionnaire was distributed to 352 banks customers in Mwanza region in an attempt to arrive to a larger sample of respondents. A simple random sampling technique was used in this study so as to allow an equal chance of participants to fill up in the questionnaire and to reduce the elements of bias. The regression results on the overall model showed that the model accounted for adjusted R2 value of 51.3% of the variance explained by the indicator; and the F-statistic of 124.391 which was significant as p = .000. With respect to individual variables, the results of the study brought out forward that the benefits of internet banking were positively related to banks performance although the effect was moderate. Similarly, ATM teller machines and mobile banking had positive and significant effects on the banking performance. In the end it was recommended for commercial banks to improve awareness to customers on some of the e-banking product like internet banking, in addition the commercial banks are supposed to maximize the number of e-banking product so as to minimize congestion on banking premises, and to place banking facilities to various locations to ease access by customers.
Effect of Credit Information Bureau and Appraisal Methods on performance of C...AI Publications
This study intended to identify the effect of credit information bureau and appraisal methods on performance of commercial banks in Mwanza Region. Specifically, the study intended to assess the effect of Credit Reference Bureaus’ information sharing on the credit performance of commercial banks, to assess the effect of the credit scoring appraisal method employed on the performance of commercial banks and to assess the effect of non-performing loans on the performances of Commercial Banks in the Mwanza Region. The study was guided by three theories; the theory of asymmetric information, moral hazard theory and multiple - bank lending model. The study adopted a descriptive research design, sampling 105 respondents randomly and purposefully and collected data through questionnaires. The aim is to establish the effect of credit information bureau and appraisal credit scoring methods on the performance of commercial banks in the Mwanza Region. Results revealed that credit information bureau had a positive, strong effect on the credit performance of commercial banks, and this effect is significant in Mwanza region. Non-performing loans had a positive, weak effect on the credit performance of commercial bank and it was not significant. Finally the credit scoring appraisal approach has a negative, weak effect on commercial bank credit performance. The study concluded that credit information bureau has a significant influence on credit performance of commercial banks and therefore should be used to reduce non-performing loans. The study recommended that banks should continue to use the credit reference bureau’s information-sharing services as it enhances their profitability through the reduction of non-performing loans.
Entrepreneurial Orientation and Performance of Small and Medium Scale Enterpr...YogeshIJTSRD
Ineffective and poor entrepreneurial orientation seems to adversely affect performance of small and medium scale enterprises SMEs in Nigeria. Thus, the study was designed to examine relationship that exists between entrepreneurial orientation and performance of SMEs in South Eastern Nigeria. The study adopted a survey research design. The target population of the study comprised of 35,535 SMEs in South East Nigeria with a sample of 396 respondents, arrived at using Taro Yamane Formula. Data was collected using structured questionnaire and analyzed using, frequency, percentage and mean. Pearson Product Moment Correlation Coefficient was used to test the hypotheses at 5 level of significance. Results indicated that there exist a strong positive relationship between strategic orientation and market expansion of SMEs r=0.76, p value 0.05 and that there exist a strong positive relationship between market orientation and market sustainability of SMEs business activities r=0.83, p value 0.05 The study concluded that entrepreneurial orientation has positive impact on the performance of SMEs in South East Nigeria and recommended among others that SMEs need to embrace entrepreneurial orientation, strategic orientation and market orientation, to improve business performance. Chinedu Cosmas Onyemesi | Michael Augustine Ikon "Entrepreneurial Orientation and Performance of Small and Medium Scale Enterprises (SMES) in South-Eastern Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43904.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/43904/entrepreneurial-orientation-and-performance-of-small-and-medium-scale-enterprises-smes-in-southeastern-nigeria/chinedu-cosmas-onyemesi
In recent years, with the economic development and technological progress, the traditional medical
service system has been unable to adapt to changes in demand. With the gradual advancement of science and
technology, how medical institutions can build medical big data analysis capabilities, enhance medical big data
analysis capabilities, create public benefits, and improve social welfare has become a concern of the medical
community
Contribution of Skill Development Program on Self-Employment in Nyamagana Dis...AI Publications
This study aimed to investigate the contribution of skill development to self-employment. The study specifically aimed to identify skills development programs required for self-employment among youth. To identify the roles of stakeholders in contributing to skills development programs on self-employment among youth and to examine factors hindering the contribution of skills development programs towards self-employment among youth. Based on the findings through questionnaires and interviews it can be concluded that skills development programs are very important for youth selfemployment in society. That skills development contributes highly to the youth in the determination of entrepreneurship opportunities; it then gives youth time to learn about the management of their enterprises as well as creating a link between one economic sector to another. However, it was established that there are challenges facing skills development programs among youth, which need to be mitigated properly to obtain positive, results about the improvement of youth selfemployment.
Effect of Development Centres on Educational Service Delivery in Selected Rur...YogeshIJTSRD
Effect of development centers on education service delivery in selected rural communities in Ebonyi State was undertaken with a view to address the perceived challenges of development centers towards the improvement of lives in rural communities in the state through effective and efficient education service delivery. Among the objectives of this research were to evaluate the effect of development Centres on education Service Delivery which affected development in most rural communities in Ebonyi State. The study adopted descriptive survey research. Five thousand, nine hundred and ninety four staff and community heads were selected from fifty one development centers selected based on the number of DCs drawn from the three geopolitical zones out of sixty four development centers in Ebonyi State, using Taro Yamani formula to determine the sample size of three hundred and seventy five. The hypotheses were analyzed using Pearson Product moment correlation coefficient to show the relationship between development centers and service delivery in the development of communities in Ebonyi State. From the data analysis made, the result revealed among others that variable as funding, appointment of relatives as coordinators, and legal provisions are major challenges of development centers towards educational service delivery in the development of communities in Ebonyi State. The study concludes that despite weakness of development centers, the recognition and importance of development centers in developmental process is necessary because of its imperativeness in tackling community development through educational service delivery in Ebonyi State. The study further recommend as follow The establishment of Development centers should be abolished since it can no longer stand the taste of its creation. Government should change the Development Centers structures to educational structures so to cushion the effect of those schools that lack infrastructures. Unnecessary state government interference into local government affairs should be reviewed to curb the conflicts existing between the two tiers of government etc. Prof. Ewuim Christiana Ngozi | Nwire Sunday Oscar | Nwakamma Michael Chibuzor "Effect of Development Centres on Educational Service Delivery in Selected Rural Communities in Ebonyi State, Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43730.pdf Paper URL: https://www.ijtsrd.com/management/public-sector-management/43730/effect-of-development-centres-on-educational-service-delivery-in-selected-rural-communities-in-ebonyi-state-nigeria/prof-ewuim-christiana-ngozi
Impact of Social Media Marketing on Small Businesses’ Sales Performance: A Ca...AI Publications
This study was conducted toinvestigate the impact of Social Media Marketing on Small Businesses’ Sales Performance: A Case of Women Clothing Stores in Nyamagana District, Tanzania. The study used quantitative research approach. Data was collected through questionnaires, and the analysis was conducted using quantitative means by which statistical package for social science (SPSS V 22) software was employed quantitative analysis was employed.ANOVA was applied to predict how use Facebook, Instagram and Twitter for marketing purposes influences the sales performance of small businesses engaging in women clothing retailing.In this study,regression analysis was applied to find out the relationship equation for the independent variable (use of Facebook, Instagram, and Twitter).Through this the researcher was able to understand the effects of the relationship between independent variable and dependent variable of the study. The result obtained through regression analysis established that Facebook has impacts on the sales performance of small business (Beta = .199, P <.020). The results obtained in this aspect shows that the increase in the use of Facebook by 1 unit attributes increase of performance of small business by 0.20. On Instagram, thefindings obtained through linear regression established that Instagram has a significant impact on the sales performance of small business (Beta = .369, P <.947). And on Twitterthe results obtained through regression analysis revealed that Twitter has no direct relationship on the sales performance of small business (Beta = -.599, P <-.945). The study recommends further studies to be conducted on the strategies to be used to improve the application of social media in the small business.
Predictors of Mobile Payment Adoption among Informal Sector in South East Nig...YogeshIJTSRD
Mobile phone has advanced to the extent that it has made life more comfortable and efficient. The comfort of being able to pay for goods and services from any point of transaction, using mobile payment system has become a vital issue as it saves a lot of time and the risks involved in carrying cash. However, Mobile payment system have not taken off as fast as expected especially in the Informal Sector in Nigeria. The slow adoption rate of mobile payment system raise many questions about what influences consumer behavioural intention to adopt. The main objective of this study was to ascertain the Predictors of Mobile Payment adoption among informal sector in South East Nigeria. The study adopted a survey research design and examined the constructs developed from the literature reviewed, which are Perceived Usefulness, Perceived Ease of Use, mobility, payment knowledge, Perceived cost, Perceived Trust and Perceived Risk as regards adoption of mobile payment system, which is supported by the extended Technology Acceptance Model TAM . The data for this study was collected using a structured questionnaire and out of the 665 questionnaire distributed to the mobile phone users, operating under the informal sector of the capital cities of the five states Abia=Umuahia Anambra=Awka Ebonyi=Abakiliki Enugu=Enugu Imo=Owerri that make up South East Nigeria, 484 questionnaires were returned. The findings showed that Perceived ease of use, Perceived usefulness, mobility, Perceived Trust and Perceived Risk significantly influence Behavioural Intention to adopt M payment by the informal sector. While M Payment knowledge and Perceived cost do not significantly influence Behavioural Intention to adopt M payment by the informal sector. The researcher therefore recommends that Mobile payment parties should ensure that they offer mobile payment service at cheap cost so that informal sector will feel convenient to use it as they are mostly price conscious. Anyaeneh Vivian Kamsoluchi | Prof. Irenus. C. Nwaizugbo "Predictors of Mobile Payment Adoption among Informal Sector in South-East Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd38707.pdf Paper URL: https://www.ijtsrd.com/management/marketing/38707/predictors-of-mobile-payment-adoption-among-informal-sector-in-southeast-nigeria/anyaeneh-vivian-kamsoluchi
Not only in Vietnam’s bond market, but in the world, green bond is considered to be a useful tool for
the businesses to mobilize capital for the benefits of the environment and society. According to opinions from
experts
Effect of Abnormal Cash Flow Quality on Big 4 and Non Big 4 Audited Firms in ...YogeshIJTSRD
This study compare financial reporting quality of Big 4 audited and non Big 4 audited firms in Nigeria. Specifically, compares the abnormal operating cash flow quality, and abnormal production expenditure quality, and unexpected core earnings of Big 4 and non Big 4 audited firms. The study adopts the ex post facto research design as the goal is not manipulate any variable but rather establish comparative difference. The population comprised of quoted manufacturing firms and the sample restricted to a purposive sample of 62 firms from 6 sectors listed on the Nigerian Stock Exchange NSE . The study utilized secondary data retrieved from annual financial statements of the sampled firms. The data were analyzed using several techniques such as multiple regression, and correlation. The results showed a statistically significant difference in abnormal operating cash flow quality of Big 4 and non Big 4 audited firms a statistically significant difference in abnormal production expenditure quality of Big 4 and non Big 4 audited firms. Based on this, the study recommends that shareholders during Annual General Meeting AGM may also seek the adoption of joint auditors to strengthen audit quality and cushion against shocks from manipulative practices of managers or the lack of independence from continued engagement of particular audit firms. Anazonwu, Helen O. | Egbunike, Patrick A. "Effect of Abnormal Cash Flow Quality on Big 4 and Non-Big 4 Audited Firms in Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43847.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/43847/effect-of-abnormal-cash-flow-quality-on-big-4-and-nonbig-4-audited-firms-in-nigeria/anazonwu-helen-o
Fifty years ago, when the Pakistani military carried out a massacre against the people of East
Bangle, the freedom-loving people stood up and fought back
A recent Future Watch study identifies and describes future consumer trends in Mainland China and Hong Kong over the next 2-10 years. These trends are likely to impact the products and services these consumers buy and the marketing they respond to. It aims to identify significant trends that are specific to China’s unique market.
Central to the forecasting is identifying 12 consumer roles that represent key China trends. Each role has an accompanying case study which explains how brands are starting /planning to tap into these nascent trends.
Summary – My Health – Future Health Solutions in Emerging Market Service (Ind...Team Finland Future Watch
Main questions of My Health investigations are: 1) How cultural and geographical contexts effect on acceptance of new health products, services and solutions and what are the motivations behind different choices? 2) What kind of consumer and customer understanding do Finnish enterprises need in order to success in emerging markets 3) What kind of cultural or customer behavior changes would be anticipated in emerging markets in future?
Digital Payment Dynamics Unveiling the Impacts on Sustainable Development, En...ijtsrd
Digital payment, a pivotal component of bankings digital transformation, plays a crucial role in fostering a nations economic growth. This is achieved by facilitating seamless and convenient online transactions, thereby enhancing customer experience and streamlining banking operations. Given the widespread use of smartphones and internet access among todays population, digital modes such as UPI, USSD, and internet banking have become integral to various activities like financial transactions and online shopping. In the contemporary era, sustainability, encompassing social inclusion, environmental protection, and economic growth, is paramount. By exploring the nexus between digital payment and sustainability, the paper aims to provide insights into the transformative potential of digitalization in fostering economic growth while aligning with the principles of social inclusion and environmental preservation. Descriptive in nature, the research relies on secondary data gathered from various sources, including books, journals, and articles, available on electronic platforms. Digitalization emerges as a valuable tool contributing to sustainable development, with a focus on achieving a cashless economy, reducing the carbon footprint associated with financial transactions, and providing cost effective services to citizens, thereby promoting enhanced financial inclusion. This paper delves into the role of digital payments in the banking sector in realizing sustainable development goals. Examining government policies on digital payment and sustainability, the paper addresses the challenges and opportunities associated with sustainable development. Dr. Suresh Chandra Agarwal | Vaishali Shukla | Abhishek Awasthi "Digital Payment Dynamics: Unveiling the Impacts on Sustainable Development, Environmental Protection, and Social Inclusion" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63442.pdf Paper Url: https://www.ijtsrd.com/management/equality-diversity-and-inclusion/63442/digital-payment-dynamics-unveiling-the-impacts-on-sustainable-development-environmental-protection-and-social-inclusion/dr-suresh-chandra-agarwal
A STUDY ON CONSUMER PERCEPTIONS TOWARDS DIGITAL FINANCE AND ITS IMPACT ON FIN...IAEME Publication
With today’s world progressing at a lightning pace, finance cannot afford to lag behind. Finance must become inclusive, dynamic and buoyant. In other words, finance must becomedigital. The genesis and rise of digital financial services is a remarkable global phenomenon. There is little doubt that the financial services industry, today, is one of the most digitized industries. This paper throws light on the adoption and perceptions of the urban Indian consumers, in the context of digitized financial services. The study focuses on the extent of acceptability, usage, beliefs, deterrents and incentive patterns among the Indians. Itsuggeststhat although the popularity of financial services provided digitally is growing in absolute terms in India, but the rate of growth is painfully slow, considering the huge potential that the country possesses.
A Comparative Study of Urban and Rural Customers on Perception towards Online...ijtsrd
Digital payments are gradually replacing physical cash transactions. In other words, e payment systems or cashless transactions make up digital payments in the online platform, and online payments are widely used as they are perceived to be easy, quick, and comfortable. Digitalization is the key for future growth of the Indian economy. In order to make this into reality, the Indian government and e payment service providers banks are establishing numerous awareness programs to bring e payment systems into the hands of the people in India. These awareness programs under the vision of Digital India program are trying to increase awareness of cashless payments among Indians. Still, consumers have only some awareness of these online payments in India, especially due to the urban and rural divide. In addition to the medium awareness, there are some problems faced by consumers that prevent them from using digital payments. One big problem is network connectivity, again due to the urban and rural divide. Due to the low network connectivity in rural areas, usage of digital payments is limited. Information on the extent of consumer awareness of digital payments will allow the government and other organizations to take the next step to push towards complete digitalization. Therefore, this study focuses on urban and rural customers on perception towards online payment in Anantapur District. M. B. Sindhu | Dr. D. Jakir Hussain "A Comparative Study of Urban and Rural Customers on Perception towards Online Payment System at Anantapur District" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-6 , October 2021, URL: https://www.ijtsrd.com/papers/ijtsrd47710.pdf Paper URL : https://www.ijtsrd.com/management/consumer-behaviour/47710/a-comparative-study-of-urban-and-rural-customers-on-perception-towards-online-payment-system-at-anantapur-district/m-b-sindhu
The Philippines’ fintech ecosystem is brimming with innovation with a vibrant mix of entrepreneurs attempting to fill in the gap within the financial system. Despite the strides that the country has made in this space, the Philippines’ narrative has often been overlooked by international media when examining financial innovations within South East Asia.
I was commissioned by Fintechnews Network to create this report, from research to layout.
For more service like this, reach me at LinkedIn@jocelyn18 or jocelyncy@gmail.com. Thanks!
Benefits and Challenges of Digital Banking among the Elderly in the Bolgatang...ijtsrd
This paper explores the experiences and perceptions of elderly individuals in the Bolgatanga municipality with regards to digital banking. The study employed qualitative research methods such as interviews and focus group discussions to gather data from participants. The collected data was analyzed to identify key themes, including the benefits and challenges of digital banking among the elderly population in the study area. The study found that digital banking can provide a number of benefits for the elderly, including convenience, ease of use, and cost savings. For example, many participants reported that digital banking made it easier for them to check their account balances, pay bills, and transfer money without having to physically visit a bank. Additionally, some participants noted that digital banking helped them to save money on transportation costs to and from the bank. However, the study also identified several challenges faced by the elderly in using digital banking. For instance, many participants expressed a lack of trust in technology, which hindered their adoption of digital banking. Additionally, a significant number of participants reported that they did not have access to digital devices or were not digitally literate enough to use them. Overall, the study found that while digital banking can offer many benefits for the elderly, it is important to address these challenges in order to ensure that they can fully take advantage of its benefits. The study suggests that targeted education and training programs, as well as outreach to the elderly population could be implemented to increase digital literacy and help to overcome mistrust and lack of access to digital devices. In conclusion, this study provides valuable insights into the experiences and perceptions of the elderly population in the Bolgatanga municipality with regard to digital banking. It highlights the importance of addressing the challenges faced by this population in order to ensure that they are able to fully benefit from the convenience and cost savings that digital banking can provide. Dzikunu Andrews Dodzi Kobla | Asanga Arnold Amasiya "Benefits and Challenges of Digital Banking among the Elderly in the Bolgatanga Municipality of the Republic of Ghana" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-3 , June 2023, URL: https://www.ijtsrd.com.com/papers/ijtsrd57383.pdf Paper URL: https://www.ijtsrd.com.com/computer-science/data-processing/57383/benefits-and-challenges-of-digital-banking-among-the-elderly-in-the-bolgatanga-municipality-of-the-republic-of-ghana/dzikunu-andrews-dodzi-kobla
Analyzing the Covid 19 Pandemic Effect on Forecasting of Loan Disbursement in...ijtsrd
Financial technology service particularly peer to peer lending P2P lending disrupts the financial service industry and stimulates economic growth in the world. This study aims to forecast the amount of loan disbursement in Indonesia’s P2P lending amid the Covid 19 pandemic. This is a quantitative study that applied the Moving Average Method to examine a time series data. The secondary data is obtained from Indonesia’s Financial Services Authority beginning from January 2018 until October 2021, accumulating 46 months of data. This study’s results indicate that the Covid 19 pandemic affected the amount of P2P lending’s loan disbursement that causing declining the amount of loan disbursement from April 2020 until July 2020. It was followed by an increasing trend starting August 2020 that exponentially rose until July 2021 before it is predicted to fluctuate in the next months. This study provides explanations of the Covid 19 pandemic effect on forecasting of loan disbursement in Indonesia’s financial technology and suggests the policymaker and business practitioners to adapt this situation with new strategies. Novan Bastian Dwi Ardha | Nurafni Eltivia | Nur Indah Riwajanti "Analyzing the Covid-19 Pandemic Effect on Forecasting of Loan Disbursement in Financial Technology" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-1 , December 2021, URL: https://www.ijtsrd.com/papers/ijtsrd49090.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/49090/analyzing-the-covid19-pandemic-effect-on-forecasting-of-loan-disbursement-in-financial-technology/novan-bastian-dwi-ardha
Machine learning algorithms analyze vast datasets to detect patterns, helping financial institutions and best payment processors identify potential risks and opportunities. To know more about this visit: https://webpays.com/payment-processing-companies.html
Similar to Digital Financial Inclusion among Tribes A Post Covid Pandemic Scenario (20)
Cosmetics are defined as “items with mild action on the human body for the purpose of cleaning, beautifying, adding to the attractiveness, altering the appearance, or keeping or promoting the skin or hair in good condition- while functional cosmetics, even if falling under the cosmetic definition, are designated as “items fulfilling specific actions like skin whitening, minimizing the appearance of lines in the face and body, protecting from the sun and sun tanning-. Ahiya Noor | Dr. Gaurav Kumar Sharma | Dr. Kaushal Kishore Chandrul "Cosmetic Science: An Overview" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45135.pdf Paper URL: https://www.ijtsrd.com/pharmacy/other/45135/cosmetic-science-an-overview/ahiya-noor
Standardization and Formulations of Calotropis ProceraYogeshIJTSRD
Plants growing in arid regions have elicited increased attention, because the hostile environment, in which these plants survive, forces them to develop chemical protective systems through adaptation which is rarely found in vegetation of other ecosystems. Furthermore, many of the plants grow in areas, where the dependence on traditional, plant based medicines over industrially produced pharmaceuticals persists to this day. The two plants, Calotopris Procera giant milkweed, also named C. Persica and Calotropis gigantea crown ower , have been used widely in traditional medicine in North Africa, the Middle East, and South and South East Asia. This has led to extensive research on the chemical constituents of the plants. Both plants are known to be sources of cardenolides, and newer research has yielded a number of interesting cancer active constituents. In addition, extracts of both plants have remarkable nematocidal, molluscidal and insecticidal activities. In many regions, the wood of Calotropis plants has been used as a building material and as a source of fuel. In addition, certain parts of the plants have been used as feed for livestock. In other regions, Calotropis plants are seen as invasive species that threaten local plant life and that due to their toxicity also pose a threat to grazing eld animals. Jaffar Khan | Pankaj Chasta | Dr. Gaurav Kumar Sharma | Dr. Kaushal Kishore Chandrul "Standardization and Formulations of Calotropis Procera" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45145.pdf Paper URL: https://www.ijtsrd.com/pharmacy/other/45145/standardization-and-formulations-of-calotropis-procera/jaffar-khan
Review of the Diagnosis and Treatment of ParalysisYogeshIJTSRD
Paralysis is a complete loss of motor power in any muscle group. When paralysis affects all four extremities, it is called quadriplegia when it affects only the lower extremities, paraplegia and when it affects the extremities on one side of the body, hemiplegic. For this reason, the term paralysis is generally reserved for more focal, less stereotyped weakness, for instance, affecting all the muscles innervated by a peripheral nerve. Many different anatomical lesions and etiologies can cause paralysis and determine its treatment. Bikash Debsingha | Dr. Gourav Kr. Sharma | Dr. Kausal Kishore Chandrul "Review of the Diagnosis and Treatment of Paralysis" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45108.pdf Paper URL: https://www.ijtsrd.com/pharmacy/pharmacology-/45108/review-of-the-diagnosis-and-treatment-of-paralysis/bikash-debsingha
Comparative Analysis of Forced Draft Cooling Tower Using Two Design Methods A...YogeshIJTSRD
Cooling towers make use of evaporation whereby some of the water is evaporated into a moving air stream and subsequently discharged into the atmosphere which results in cooling of the remainder water. The current research reviews various studies conducted on cooling tower using experimental and numerical techniques. Different design configuration and operating conditions on cooling towers are evaluated by various researchers. Significant findings from researches have shown new and improved design of cooling tower with much better performance as compared to conventional design. Neetish Kumar Sao | Dr. Surendra K. Dwivedi "Comparative Analysis of Forced Draft Cooling Tower Using Two Design Methods: A Review" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45100.pdf Paper URL: https://www.ijtsrd.com/engineering/mechanical-engineering/45100/comparative-analysis-of-forced-draft-cooling-tower-using-two-design-methods-a-review/neetish-kumar-sao
Criminology Educators Triumphs and StrugglesYogeshIJTSRD
This research study is geared on determining the triumphs and struggles of criminology educators. Included on the aim is to know their experiences and story being considered as teacher by accident. A qualitative research design was applied in this study. Researchers conducted a personal interview with the respondents with the aid of a guide questions which all points to main issue of this study. The findings of the study revealed that out of seven respondents, four are on the age bracket of 21 to 25 years old, two respondents are on the age bracket of 26 to 30 years old and a single respondent is on the age bracket of 36 to 40 years. Most of the respondents find enthusiasm in teaching and are aware that there is a need for them to proceed in post graduate studies for them to have a considerable salary. As to financial stability, only 1out of 7 considers herself as financially stable. The rest are saying that as of the moment, they are not yet financially stable basing on the rate of their salary. Qualification matters a lot in the field of academe because this was being shared by one of the respondents who considers herself as financially stable. Also, all of the respondents do not consider teaching as their first career of choice but most of them does not have any plan of shifting to another career. Girlie N. Cañete | Harry Santiago P. Achas | Pamela N. Cañete "Criminology Educators: Triumphs and Struggles" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45082.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/education/45082/criminology-educators-triumphs-and-struggles/girlie-n-cañete
A Review Herbal Drugs Used in Skin DisorderYogeshIJTSRD
The human bodys skin is an organ that allows it to interact with the environment while also shielding it from harmful external influences. People of all ages suffer from skin diseases all over the world. Its vital to keep your skin in good form for a healthy physique. Plants have been employed in some form or another since the beginning of time. This research has highlighted some prevalent skin disease issues, as well as the herbals utilized in disease therapy and the various formulations accessible in the pharmaceutical industry. Some medicinal plants have been shown to be quite effective in removing or reducing skin infection disorders. Chandramita Borah | Dr. Gaurav Kumar Sharma | Dr. Kaushal Kishore Chandrul "A Review: Herbal Drugs Used in Skin Disorder" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45118.pdf Paper URL: https://www.ijtsrd.com/pharmacy/other/45118/a-review-herbal-drugs-used-in-skin-disorder/chandramita-borah
Automatic Query Expansion Using Word Embedding Based on Fuzzy Graph Connectiv...YogeshIJTSRD
The aim of information retrieval systems is to retrieve relevant information according to the query provided. The queries are often vague and uncertain. Thus, to improve the system, we propose an Automatic Query Expansion technique, to expand the query by adding new terms to the user s initial query so as to minimize query mismatch and thereby improving retrieval performance. Most of the existing techniques for expanding queries do not take into account the degree of semantic relationship among words. In this paper, the query is expanded by exploring terms which are semantically similar to the initial query terms as well as considering the degree of relationship, that is, “fuzzy membership- between them. The terms which seemed most relevant are used in expanded query and improve the information retrieval process. The experiments conducted on the queries set show that the proposed Automatic query expansion approach gave a higher precision, recall, and F measure then non fuzzy edge weights. Tarun Goyal | Ms. Shalini Bhadola | Ms. Kirti Bhatia "Automatic Query Expansion Using Word Embedding Based on Fuzzy Graph Connectivity Measures" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45074.pdf Paper URL: https://www.ijtsrd.com/computer-science/artificial-intelligence/45074/automatic-query-expansion-using-word-embedding-based-on-fuzzy-graph-connectivity-measures/tarun-goyal
A New Proposal for Smartphone Based Drowsiness Detection and Warning System f...YogeshIJTSRD
This paper proposes a Smartphone based system for the detection of drowsiness in automotive drivers. The proposed system uses three stage drowsiness detection technique. The first stage uses the percentage of eyelid closure PERCLOS which is obtained by capturing images with the front camera of the Smartphone with a modified eye state classification method. The system uses near infrared lighting for illuminating the face of the driver during night driving. The second step uses the voiced to the unvoiced ratio VUR obtained from the speech data from the microphone, in the event PERCLOS crosses the threshold. The VUR is also compared with a threshold and if it is a value greater than that of the threshold, it moves on to the next verification stage. In the final verification stage, touch response is required within the stipulated time to declare whether the driver is drowsy or not and subsequently sound an alarm. To awake the driver, a vibrating mechanism is done and also the live GPS location is also sent to an emergency contact. We have studied eight other reference papers for the literature review. The system has three advantages over existing drowsiness detection systems. First, the three stage verification process makes the system more reliable. The second advantage is its implementation on an Android smart phone, which is readily available to most drivers or cab owners as compared to other general purpose embedded platforms. The third advantage is the use of SMS service to inform the control room as well as the passenger regarding the loss of attention of the driver. Abishek K Biju | Godwin Jolly | Asif Mohammed C A | Dr. Paul P Mathai | Derek Joseph "A New Proposal for Smartphone-Based Drowsiness Detection and Warning System for Automotive Drivers" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45083.pdf Paper URL: https://www.ijtsrd.com/engineering/computer-engineering/45083/a-new-proposal-for-smartphonebased-drowsiness-detection-and-warning-system-for-automotive-drivers/abishek-k-biju
Data Security by AES Advanced Encryption StandardYogeshIJTSRD
Now a days with the rapid development of multimedia technologies, research on safety and security are becoming more important. Multimedia data are generated and transmitted through the communication channels and the wireless media. The efficiencies of encryption based on different existing algorithms are not up to the satisfactory limit. Hence researchers are trying to modify the existing algorithm or even develop new algorithms that help to increase security with a little encryption time. Here in this paper, we have furnished a new technology to modify the AES algorithm which gives more security with a little encryption time and which can be used to encrypt using 128 bit key. Theoretical analysis on the proposed algorithm with the existing reveals the novelty of our work. Here we have proposed a technique to randomize the key and hidden the key data into an encrypted digital image using the basics concept of cryptography and also using the concept of digital watermarking, the concept of key hide has also been encrypted. We have also proposed a new technique to reposition the pixels to break the correlation between them. So, the proposed scheme offers a more secure and cost effective mechanism for encryption. Next on the AES criteria list good performance. Widespread market adoption will require reasonably good performance on a variety of platforms, ranging from easy tocrack smart cards to the largest servers. Good algorithm performance includes speed for the encryption and decryption process as well as the key schedule. Prateek Goyal | Ms. Shalini Bhadola | Ms. Kirti Bhatia "Data Security by AES (Advanced Encryption Standard)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45073.pdf Paper URL: https://www.ijtsrd.com/computer-science/computer-security/45073/data-security-by-aes-advanced-encryption-standard/prateek-goyal
Antimicrobial and Phytochemical Screening of Phyllantus NiruriYogeshIJTSRD
Theorigin of Phyllanthus niruri is tropical America from there it spread as a weed to other tropic and sub tropics. It is a tropical annual herb shrub which grows as weed in moist humid waste land. Phyllanthus niruri is among more than 500 Phyllanthus species that are widely spread in temperate and tropical climates region Lizuka et al., 2007. It grows 30 40 cm in height, has small leaves and yellow flowers the stem has green capsule, and blooms with flowers with 5 white sepals and apical acute anther.38g of Mueller Hinton Agar was dissolved in 1000ml distilled water in a conical flask, the mouth of the conical flask was plugged with cotton woo wrapped in aluminium foil. This was sterilized in an autoclave at 121oC for 15mns. The media was removed and allowed to cool to 45oC, later poured into a sterilized plastic petri plates which were appropriately labeled. The present study revealed the antimicrobial activity and phytochemical screening of phyllanthus niruri. The antimicrobial activity of phyllanthus niruri shows great significant against pathogens which are responsible for common infections of skin, respiratory, urinary and gastrointestinal tracts. The phytochemical screening of oxalate, terpenoids, tannins, phenols, quinones, flavonoids, alkaloids, saponins and steroids were all found to be active within the plant. This bioactive phytochemicals present in P. niruri can be useful for further researches on the plant P. nururi since the phytochemicals have shown preclinical efficacies for treating human diseases’ which include hepatitis and HIV AIDS. This work has compiled the chemical constituents present and can be useful for further researches Dr. Mohammed Musa Lawan | Yusuf Sale Baba "Antimicrobial and Phytochemical Screening of Phyllantus Niruri" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44948.pdf Paper URL: https://www.ijtsrd.com/chemistry/other/44948/antimicrobial-and-phytochemical-screening-of-phyllantus-niruri/dr-mohammed-musa-lawan
There is a need for temperature drop in a buried pipeline based on the media and process. Need of some methodology and design requirement for a set of conditions by reducing pipeline surface temperature and the temperature drops to atmospheric temperature at a particular distance of pipeline. Based on the conduction principle, desire reduction up to atmospheric temperature can be possible. Let us understand by below methods and design of Heat sink for buried pipe line. Natvarbhai Prabhudas Gajjar "Heat Sink for Underground Pipe Line" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45117.pdf Paper URL: https://www.ijtsrd.com/engineering/other/45117/heat-sink-for-underground-pipe-line/natvarbhai-prabhudas-gajjar
Newly Proposed Multi Channel Fiber Optic Cable CoreYogeshIJTSRD
Fiber optic cables have single core and multiple core options, but single and multiple core fiber cable -˜s core design need to be updated. Newly proposed design gives facilities to multiple usage than traditional design of cable core. Cable core design needs improvement by using present technology for decreasing material and cost and by improving efficiency of cable. Research need to be carried out in this direction. What do you think Natvarbhai Prabhudas Gajjar "Newly Proposed Multi Channel Fiber-Optic Cable Core" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45116.pdf Paper URL: https://www.ijtsrd.com/engineering/other/45116/newly-proposed-multi-channel-fiberoptic-cable-core/natvarbhai-prabhudas-gajjar
Security Sector Reform toward Professionalism of Military and PoliceYogeshIJTSRD
The need to understand and at the same time give prescriptions for the direction of security reform in Third world countries after the end of World War II has prompted the emergence of a big project called the study of security reform SSR . Within this framework emerge various theories and strategies for security reform, with various variations, including ideological variations that underlie these theories. The reform of the structural aspect is a reform of the institutional and structure of an institution, the instrumental reform includes the reform of the system, laws and regulations, while the reform of the cultural aspect is a reform of the habits or organizational culture in institutions in general and in particular the Timor Leste’s security institutions, both military and police. Arquimino Ramos "Security Sector Reform toward Professionalism of Military and Police" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45061.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/political-science/45061/security-sector-reform-toward-professionalism-of-military-and-police/arquimino-ramos
Stress An Undetachable Condition of LifeYogeshIJTSRD
Stressful life events affects human body, which may lead to cardiovascular diseases and effect metabolism and immune system. Recent studies showed increase in stress levels in developing countries. This study aimed to determine the stress levels in MBBS students. The objectives of the study are a To determine the current stress level, b To assess relation between stress level and lifestyle of college students. The present study was carried out in Ahmedabad City of Gujarat State. A total of 400 medical students were included in the study, which were selected using multi stage sampling aged between 18 years to 25 years. Students were questioned regarding their socioeconomic and life style parameters. The results showed that physical activity such as walking, exercise, yoga, meditation etc. were associated to stress levels. College students showed high stress levels with more satisfaction were mostly smokers. Their major reason for eating junk food and smoking was, increase in stress. Conclusion Majority of students suffered from moderate stress levels. Despite of having stress they were happy and satisfied with life with less no internet addiction. Spirituality and stress scales had a positive correlation as most of the students were averagely highly spiritual. Discriminant function can be used to determine the stress level of a person using age, BMI, internet addiction, spirituality, happiness scale and life satisfaction scale of that person. Jayshree N. Tolani | Dr. Nitinkumar D. Shah "Stress: An Undetachable Condition of Life" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45054.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/45054/stress-an-undetachable-condition-of-life/jayshree-n-tolani
Comparative Studies of Diabetes in Adult Nigerians Lipid Profile and Antioxid...YogeshIJTSRD
The study sought to determine the extent to which the usage of social media in the marketing of agricultural products in South West Nigeria can enhance farmers turnover. It employed the survey research design to collect data with the help of a structured questionnaire to elicit information from respondents selected from six 6 south western states. Research data were analysed using structural equation modelling. The results showed that the use of social media WhatsApp and Facebook in marketing of agricultural products significantly enhances farmers turnover. The managerial implication is that use of Whatsapp and Facebook in the marketing of agricultural products for the enhancement of farmers’ turnover was found to have significant influence on the enhancement in farmers’ turnover from agricultural products. Policy makers in government should provide the enabling environment for the telecommunication companies to enhance their reach by installing their facilities across the length and breadth of the country so that the network coverage will be strong at all times so that the benefits of social media usage will not be constrained. Egejuru, Leonard O | Akubugwo, Emmanuel I | Ugorji, Beatrice N "Comparative Studies of Diabetes in Adult Nigerians: Lipid Profile and Antioxidants Vitamins (A and C)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45021.pdf Paper URL: https://www.ijtsrd.com/biological-science/biochemistry/45021/comparative-studies-of-diabetes-in-adult-nigerians-lipid-profile-and-antioxidants-vitamins-a-and-c/egejuru-leonard-o
To Assess the Severity and Mortality among Covid 19 Patients after Having Vac...YogeshIJTSRD
The severity and mortality of COVID 19 cases has been associated with the Three category such as vaccination status, severity of disease and outcome. Objective presently study was aimed to assess the severity and mortality among covid 19 patients. Methods Using simple lottery random method 100 samples were selected. From these 100 patients, 50 patients were randomly assigned to case group and 50 patients in control group after informed consents of relative obtained. Patients in the case group who being died after got COVID 19 whereas 50 patients in the control group participated who were survive after got infected from COVID 19 patients. Result It has three categories such as a Vaccination status For the vaccination status we have seen 59 patients were not vaccinated and 41 patients was vaccinated out of 100. b Incidence There were 41 patients were vaccinated whereas 59 patients were not vaccinated. c Severity In the case of mortality we selected 50 patients who were died from the Corona and I got to know that out of 50 patients there were 12 24 patients were vaccinated whereas 38 76 patients were non vaccinated. Although for the 50 control survival group total 29 58 patients were vaccinated and 21 42 patients was not vaccinated all graph start. Conclusion we have find out that those people who got vaccinated were less infected and mortality rate very low. Prof. (Dr) Binod Kumar Singh | Dr. Saroj Kumar | Ms. Anuradha Sharma "To Assess the Severity and Mortality among Covid-19 Patients after Having Vaccinated: A Retrospective Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45065.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/45065/to-assess-the-severity-and-mortality-among-covid19-patients-after-having-vaccinated-a-retrospective-study/prof-dr-binod-kumar-singh
Novel Drug Delivery System An OverviewYogeshIJTSRD
In present scenario evolution of an existing drug molecule from a old form to a novel delivery system can significantly improve its performance in terms of patient compliance, safety and efficacy. In the form of a control drug delivery system an existing drug molecule can get a new life. An appropriately designed Novel Drug Delivery System can be a major advance for solving the problems related towards the release of the drug at specific site with specific rate. The porpuse for delivering drugs to patients efficiently and with fewer side effects has prompted pharmaceutical companies to engage in the development of new drug delivery system. This article covers the basic information regarding Novel Drug Delivery Systems and also advantages, factor etc. Chiranjit Barman | Dr. Gaurav Kumar Sharma | Dr. Kausal Kishore Chandrul "Novel Drug Delivery System: An Overview" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45068.pdf Paper URL: https://www.ijtsrd.com/pharmacy/novel-drug-delivery-sys/45068/novel-drug-delivery-system-an-overview/chiranjit-barman
With the growth of technology their grows threat to our data which is just secured by passwords so to make it more secure biometrics came into existence. As biometric systems are adopted and accepted for security purpose for various information and security systems. Hence it is immune to attacks. This paper deals with the security of biometric details of individuals. In this paper we will be discussing about biometrics and its types and the threats and security issues which is not talked about usually. The different technologies evolved and had contributed to biometrics in long run and their effects. Sushmita Raulo | Saurabh Gawade "Security Issues Related to Biometrics" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44951.pdf Paper URL: https://www.ijtsrd.com/computer-science/computer-security/44951/security-issues-related-to-biometrics/sushmita-raulo
Comparative Analysis of Different Numerical Methods for the Solution of Initi...YogeshIJTSRD
A mathematical equation which involves a function and its derivatives is called a differential equation. We consider a real life situation, from this form a mathematical model, solve that model using some mathematical concepts and take interpretation of solution. It is a well known and popular concept in mathematics because of its massive application in real world problems. Differential equations are one of the most important mathematical tools used in modeling problems in Physics, Biology, Economics, Chemistry, Engineering and medical Sciences. Differential equation can describe many situations viz exponential growth and de cay, the population growth of species, the change in investment return over time. We can solve differential equations using classical as well as numerical methods, In this paper we compare numerical methods of solving initial valued first order ordinary differential equations namely Euler method, Improved Euler method, Runge Kutta method and their accuracy level. We use here Scilab Software to obtain direct solution for these methods. Vibahvari Tukaram Dhokrat "Comparative Analysis of Different Numerical Methods for the Solution of Initial Value Problems in First Order Ordinary Differential Equations" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45066.pdf Paper URL: https://www.ijtsrd.com/mathemetics/applied-mathematics/45066/comparative-analysis-of-different-numerical-methods-for-the-solution-of-initial-value-problems-in-first-order-ordinary-differential-equations/vibahvari-tukaram-dhokrat
Evaluation of Different Paving Mixes Using Optimum Stabilizing ContentYogeshIJTSRD
Bituminous mixes are most commonly used all over the world in flexible pavement construction. It consists of asphalt or bitumen used as a binder and mineral aggregate which are mixed together, laid down in layers and then compacted. Under normal circumstances, conventional bituminous pavements if designed and executed properly perform quite satisfactorily but the performance of bituminous mixes is very poor under various situations. Today’s asphaltic concrete pavements are expected to perform better as they are experiencing increased volume of traffic, increased loads and increased variations in daily or seasonal temperature over what has been experienced in the past. In addition, the performance of bituminous pavements is found to be very poor in moisture induced situations. Considering this a lot of work has been done on use of additives in bituminous mixtures and as well as on modification of bitumen. Research has indicated that the addition of polymers to asphalt binders helps to increase the interfacial cohesiveness of the bond between the aggregate and the binder which can enhance many properties of the asphalt pavements to help meet these increased demands. However, the additive that is to be used for modification of mix or binder should satisfy both the strength requirements as well as economical aspects. Naveen Kumar | Ms. Shivani "Evaluation of Different Paving Mixes Using Optimum Stabilizing Content" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45089.pdf Paper URL: https://www.ijtsrd.com/engineering/civil-engineering/45089/evaluation-of-different-paving-mixes-using-optimum-stabilizing-content/naveen-kumar
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
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The Roman Empire A Historical Colossus.pdfkaushalkr1407
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2. International Journal of Trend in Scientific Research and Development @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD43815 | Volume – 5 | Issue – 5 | Jul-Aug 2021 Page 544
use of digital banking services by young people is not
significantly different.
Mayank Jindal and Dr. Vijay Laxmi Sharma (2020)
investigated the usability of online banking in India
during covid-19 pandemic. The aim of this study was
to evaluate the contribution of online banking to
avoid the covid-19 pandemic. Samples are obtained
using a survey technique from the city area of
Bulandshahr district of Uttar Pradesh. This study
discovered that in the covid-19 period, online banking
played a vital role in citizen protection. In the online
payment from covid-19 virus, all types of individuals
using online banking feel safe. People feels 89.12%
comfortable while using online banking, according to
the sampling and response.
Itai Agur, Soledad Martinez Peria and Celine Rochon
(2020) conducted s study associated with IMF on
digital financial services and the pandemic:
opportunities and risks for emerging and developing
economies. This research shows that digital financial
services can communicate with banks, staff, suppliers
and new markets easily and affordably. This helps
governments to meet households and companies in a
timely manner. During the responses to the covid-19
crisis, many of these take on added value, as
government seek ways to rapidly and efficiently
disburse funds to those in need and many households
and businesses strive to access online payments and
funding quickly.
Ulric Eriksson Von Allmen, Purva Khera Sumiko
Ogawa and Ratna Sahay (2020), a global survey of
more than 70 stakeholders has been conducted,
including fintech companies, central banks,
regulatory bodies and banks, to determine digital
financial inclusion during covid-19. It demonstrates
that global and national leaders need to close the
digital gap across and within countries in order to
create inclusive communities and resolve growing
inequality throughout and after the current crisis to
reap the benefit of digital financial services.
Immaculate Nafula Machasio (2020)conducted a
study on Covid-19 and digital financial inclusion in
Africa: How to leverage digital technologies during
the pandemic. The study concludes that African
countries with underdeveloped digital financial
services are likely to be able to pool capital and
introduce adaptive financial regulation as
development partners and central banks have been at
the forefront of formulating and implementing
financial inclusion strategies to date.
Rgm Ayadi and Mais Shaban (2020) conducted a
study on the role of digital financial inclusion as a
pillar of resilience in responding to exogenous shocks
and pandemic, such as the covid-19 crisis, has been
investigated and recommends prompt action to enter
the unbanked through digital financial services to
assist these vulnerable groups in the current difficult
circumstances.
SIGNIFICANCE OF THE PROBLEM
A study in digital financial inclusion and awareness
and usage if a digital financial service during covid-
19 is more important in the present day situation. A
game alteration for digital financial services may be
the covid-19 pandemic. Development in mobile
money, fintech services and online banking will
greatly benefit low income households and small
businesses. Financial inclusion can also improve
economic growth as consequences of digital financial
services. While the epidemic is expected to boost the
use of these services, the development of the
industry's smaller companies has been called into
doubt, as has uneven access to digital resources. To
ensure full inclusion going forward, multiple steps
will need to be taken.
Digital financial inclusion enables tribal people to
increase their investments, to access different
financial services and make investment decisions. A
study related to digital financial inclusion is relevant
form this point of view in the tribal region, especially
during the pandemic of covid-19. And if there is
financial inclusion in rural areas, then financial
inclusion in other areas will certainly also occur.
OBJECTIVES
1. To find out the extent of digital financial
inclusion among tribal people in Kasaragod
district.
2. To analyze the level of awareness among tribes
with regards to digital financial services.
3. To study the usage digital financial services
among tribal people in Kasaragod district.
HYPOTHESES
1. Different educational group have different level
of awareness about digital financial services.
2. No significant difference between males and
females in their usage of digital financial services.
3. There is no association between age and period of
using digital financial services.
RESEARCH METHODOLOGY
Primary data is used for the study collected from the
tribal people of Kasaragod district. 50 samples were
collected from KuttikolPanchayath, Kasaragod
district using multistage random sampling. Due to the
fact that the majority of the respondents are illiterate,
data is gathered through an interview schedule.
The Secondary data is used to evaluate the previous
studies and recent updates done in this field. Using
3. International Journal of Trend in Scientific Research and Development @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD43815 | Volume – 5 | Issue – 5 | Jul-Aug 2021 Page 545
different statistical tools, the collected data is
categorized and analyzed.
ANALYSIS AND INTERPRETATION
Testing of hypothesis, No: 1
H0: There is no significant difference between
educational group and awareness level
Table 1: showing the test statistic of ANOVA
Sum of
Squares
Df
Mean
Square
F
Between Groups 5437 4 1357 5.9
Within Groups 4894 20 230
Total 10331 24
Degree of freedom (K-1, N-K) = (4, 30)
Table value of F at 5% level of significance for (4,30)
degree of freedom is 2.77. Calculated value of F is
more than the table value of F. Therefore, the
hypothesis that the different educational groups have
different level of aware about digital financial
services is accepted.
Testing of hypothesis, No: 2
H0: There is no significant difference between males
and females in their usage of digital financial
services.
Table 4: t test for equality of means of usage of
digital financial services.
Independent Samples Test
Levene's Test
for Equality
of Variances
t-test for Equality
of Means
F Sig. T df
Sig. (2-
tailed)
Equal
variances
assumed
2.776 .102 -1.372 50 .166
INTERPRETATION:
T test shows that the significance value of t is
0.166>0.05. Therefore, the hypothesis that there is no
significant difference between males and females in
usage of digital financial services is accepted.
Testing of hypothesis, No: 3
H0: There is no association between age and period
of using digital financial services.
The chi-square test of independence was applied and
the result is given below.
Table 5: chi-square test
Chi-Square Tests
Value Df
Asymp. Sig.
(2-sided)
Pearson
Chi-Square
23.503a
16 .069
The Pearson chi-square value is 23.503 with 16
degrees of freedom and p value is 0.069>0.05 which
is not significant. So the hypothesis that there is
association between age of respondent and period of
using digital financial services is accepted.
FINDINGS
Majority of the respondents using mobile banking
services.
No significance difference between males and
females in their level of usage of digital financial
services.
One of the reasons why some tribal people do not
use financial services is financial illiteracy.
95% of respondents have bank accounts.
Mobile and TV charges, payment of electricity
bill and transfer of sums are the key application of
online banking services.
Because of covid-19, central and state
governments have undertaken many initiatives to
facilitate digital payment, so most of the
respondents are aware of different digital
financial services.
CONCLUSION
The purpose of the study was assessing the extent of
digital financial inclusion among tribal people in
Kasaragod district. The study showed that most of the
respondents had a basic level of knowledge of
different digital financial services. The results showed
that there is association between age of the
respondents and the period of using digital financial
services and also there is no significant difference
between males and females in usage of digital
financial services. The study reveals that people
having different educational group have different
level of awareness about digital financial services.
REFERENCES
[1] Dr. Shafeer P S (2019), Usage of digital
financial services among Youth from college
campus in Kerala.
[2] Mayank Jindal and Dr. Vijay Laxmi Sharma
(2020), Usability of Online banking in India
during Covid-19 Pandemic.
[3] Agur, Soledad Martinez Peria and Celine
Rochon (2020), Digital financial services and
the Pandemic: Opportunities and risks for
emerging and developing economies.
[4] Ulric Eriksson Von Allmen, Purva Khera
Sumiko Ogawa and Ratna Sahay (2020),
Digital financial inclusion in the times of
Covid-19.
4. International Journal of Trend in Scientific Research and Development @ www.ijtsrd.com eISSN: 2456-6470
@ IJTSRD | Unique Paper ID – IJTSRD43815 | Volume – 5 | Issue – 5 | Jul-Aug 2021 Page 546
[5] Immaculate Nafula Machasio (2020), Covid-19
and Digital financial inclusion in Africa: How
to leverage digital technologies during the
pandemic.
[6] Rgm Ayadi and Mais Shaban (2020), Digital
financial inclusion: A pillar of resilience
Amidst Covid-19 in the Mediterranean Africa.
[7] https://www.cgap.org/blog/what-digital-
financial-inclusion-and-why-does-it-matter
[8] https://www.findevgateway.org/news/digital-
financial-inclusion-times-covid-19
[9] https://www.weforum.org/agenda/2020/12/covi
d-19-trust-in-digital-financial-services
[10] https://blogs.imf.org/2020/07/01/digital-
financial-inclusion-in-the-times-of-civid-19/
[11] https://www.worldbank.org/en/topic/financialin
clusion/publication/digital-financial-inclusion