AI-Based Market Intelligence For Plantation Crops In India: A Path Toward Digital Transformation
Authors: Vishnu K S, Dr. Neelakanta N T
Abstract: Plantations, which include tea, coffee, rubber, and spices, are a vital component of the Indian economy, providing significant export revenue and supporting the livelihoods of millions of people in ecologically fragile regions. Additionally, agriculture is another important sector in India. Even so, the sector is now confronted with mounting tensions: fluctuating prices, erratic yields caused by climate change, and a complex global supply chain. Traditional market intelligence tools, which rely on outdated data and manual reporting, are no longer sufficient in the fast-paced digital world. How can Artificial Intelligence (AI) change market intelligence for India's plantation crops and help the industry adapt more efficiently? By utilizing data from the Coffee Board of India (2023), the Tea Board, and recent Agritech experiments, the study highlights the effectiveness of machine learning with predictive analytics and Natural Language Processing (NLP) in forecasting market changes. An integrated AI system that combines global trade signals, satellite-based crop health indicators and local auction results offers precise insights for farmers cooperatives, exporters, and other stakeholders. The plan is practical.".According to the results, advanced AI tools are primarily being used on large estates, which make up around 15% of such units, while smallholder cooperatives have been left out. By spreading the word, a reduction of up to 12% in the gap between small growers' earnings and the market's value could be achieved. The study highlights significant obstacles such as disorganized and fluctuating data, expensive local AI infrastructure, and limited digital proficiency, while proposing a gradual improvement to make these technologies more accessible. According to the paper, India's plantation industry must rely on AI-driven market intelligence to transition from a passive price payer to an informed player in global markets. This is not optional but crucial.
DOI: https://doi.org/10.5281/zenodo.20107791
A Study On The Production And Marketing Of Organic Horticultural Products In Karnataka: A Case Study Of Chikkaballapura District
Authors: Thyagaraja N N.
Abstract: Organic horticulture has emerged as a crucial component of sustainable agricultural development in Karnataka, particularly in peri-urban regions where increasing urban demand is reshaping agricultural practices. Chikkaballapura district represents a highly significant case in this context due to its strong horticultural base, favourable agro-climatic conditions, and its close proximity to Bengaluru, one of India’s largest and fastest-growing urban markets for organic produce. The district supports the cultivation of a wide variety of horticultural crops such as mango, grapes, sapota, tomato, rose onion, beans, carrot, and beetroot, making it an ideal region for studying both production systems and marketing mechanisms of organic products. This study examines the present status of organic horticultural production in the district, the nature of marketing channels available to farmers, and the constraints that limit their participation in high-value organic markets. It also analyses the role of infrastructure, certification systems, consumer awareness, and institutional support in shaping the organic value chain. The findings reveal that while Chikkaballapura possesses considerable potential to develop into a major organic horticulture hub, several structural and operational challenges continue to hinder its growth. The study concludes by suggesting policy measures aimed at improving farmer income, enhancing market efficiency, and promoting sustainable agricultural practices.
DOI: https://doi.org/10.5281/zenodo.20107847
Artificial Intelligence And Karnataka’s Economy: Catalysing Growth, Innovation And Transformation
Authors: Dr. Thimmegowda T.K
Abstract: Artificial Intelligence (AI) is rapidly transforming regional economies across the world and Karnataka stands at the forefront of this transformation in India. With a Gross State Domestic Product (GSDP) of approximately ₹25 lakh crore in 2026 and contributing nearly 8.5% to the national economy, Karnataka has evolved from being India’s “Silicon Valley” to aspiring to become the country’s “AI Capital.” The state, led by Bengaluru’s globally recognized technology ecosystem, hosts nearly 39% of India’s generative AI startups and employs over 600,000 AI professionals, making it one of the largest AI talent hubs globally.
DOI: https://doi.org/10.5281/zenodo.20107861
An Economic Analysis Of Areca Leaf Sheath Activities On Households In Karnataka
Authors: Suma Naik
Abstract: Areca leaf sheaths have emerged as an important rural resource in Karnataka, particularly in areca-growing regions such as Shivamogga, Chikkamagaluru, Dakshina Kannada, Udupi, Davanagere, and parts of Kodagu. Traditionally treated as agricultural waste, these leaf sheaths are now increasingly utilized in the production of biodegradable plates, bowls, and eco-friendly tableware. This transformation has opened up new avenues of income generation and employment for rural households, farmers, and micro-enterprises. The present study analyses the economic contribution of areca leaf sheath activities to rural households in Karnataka. It examines income generation from raw material sales, employment opportunities across various stages of production, and the profitability of small-scale enterprises. The study also highlights value addition, marketing channels, environmental benefits, and policy support mechanisms. The findings indicate that areca leaf sheath activities have strong potential to enhance rural livelihoods, promote sustainable production systems, and support the circular economy. With improved infrastructure, access to credit, training, and better market linkages, this sector can significantly contribute to household income, women’s empowerment, and eco-friendly industrial development in Karnataka.
DOI: https://doi.org/10.5281/zenodo.20107938
Impact Of Government Welfare Schemes On Economic Empowerment Of Minority Women In Karnataka
Authors: Shaik Mehaboob
Abstract: Government welfare schemes have played a significant role in improving the socio-economic conditions of women in India. In a diverse state like Karnataka, minority women belonging to Muslim, Christian, Buddhist, Jain, Sikh, and Parsi communities often face multiple layers of disadvantage arising from gender inequality, socio-religious marginalization, limited education, and restricted access to employment opportunities. Welfare programmes introduced by both the Government of India and the Government of Karnataka aim to address these inequalities by promoting financial inclusion, self-employment, skill development, credit access, and social security. This study examines the extent to which these welfare schemes contribute to the economic empowerment of minority women in Karnataka. It highlights that although several schemes such as self-help group initiatives, microfinance programmes, entrepreneurship assistance, direct benefit transfers, and livelihood missions have created new opportunities for income generation, awareness and utilization of these schemes remain limited, particularly in rural and backward areas. The study argues that welfare schemes become effective only when they are accessible, well-communicated, and supported by training, institutional linkage, and local-level implementation. It concludes that true economic empowerment requires not only financial assistance but also education, confidence, mobility, and decision-making power among women.
DOI: https://doi.org/10.5281/zenodo.20107948
Towards Smart Villages: Integrating Artificial Intelligence In Agriculture For Rural Transformation
Authors: Sanjeeva Murthy H.
Abstract: Artificial Intelligence (AI) is rapidly emerging as a transformative force in rural development, particularly through its integration into agriculture. In the context of smart villages, AI enhances productivity, sustainability, and resilience by enabling precision farming, real-time decision-making, and efficient resource management. Agriculture remains the backbone of rural economies, especially in countries like India, where a significant portion of the population depends on farming for livelihood. However, persistent challenges such as climate variability, low productivity, fragmented landholdings, and limited access to markets continue to hinder rural progress. This study explores how AI-driven agricultural transformation can serve as the foundation for building smart villages. It analyzes applications such as predictive analytics, crop monitoring, soil health assessment, pest detection, and supply chain optimization. Beyond agriculture, AI contributes to rural governance, healthcare, education, and financial inclusion. This study highlights that AI-enabled smart villages are not merely technology-driven spaces but holistic development ecosystems that integrate innovation with inclusivity, sustainability, and community empowerment. This study further examines the opportunities, challenges, and policy requirements, emphasizing digital infrastructure, institutional support, and local participation. Drawing insights from regions such as Karnataka, this study presents a scalable model for rural transformation. The study concludes that AI, when implemented responsibly, can significantly enhance rural livelihoods and create resilient, self-sustaining village economies.
DOI: https://doi.org/10.5281/zenodo.20108257
The Role Of Artificial Intelligence In Economics
Authors: Roopa M N
Abstract: Artificial Intelligence (AI) has become an important part of modern economic systems. It improves productivity, supports better decision-making, and transforms industries. This paper explains how AI influences economic activities such as production, employment, and market efficiency. It also discusses the challenges like job displacement and inequality. The study concludes that AI plays a major role in economic growth, but proper management is necessary to balance its benefits and risks.
DOI: https://doi.org/10.5281/zenodo.20108306
Impact Of Small Finance Banks On Rural People Of Davanagere District: A Study
Authors: Dr Janardhan Kumar
Abstract: Small Finance Banks (SFBs) were introduced in India to promote financial inclusion among underserved populations, especially in rural and semi-urban areas. This study examines the impact of SFBs on rural communities in Davanagere District, Karnataka. The research adopts a descriptive and analytical approach using both primary and secondary data. The findings reveal that SFBs have significantly improved access to credit, enhanced savings habits, promoted entrepreneurship, and contributed to socio-economic development. However, challenges such as financial literacy gaps, repayment issues, and technological barriers persist. The study concludes with policy suggestions to strengthen the role of SFBs in rural transformation.
DOI: https://doi.org/10.5281/zenodo.20108381
Indian Economy And The Role Of Artificial Intelligence: Catalysing Productivity, Innovation, And Viksit Bharat
Authors: Dr.Rajeevakumar
Abstract: India, currently one of the fastest-growing major economies in the world, stands at a critical juncture where technological advancement is reshaping its economic trajectory. With a nominal GDP approaching trillion in 2026 and a growth rate of approximately 7.2%, the country is positioning itself as a global leader in digital transformation. Artificial Intelligence (AI) has emerged as a key enabler in this transformation, driving productivity, fostering innovation, and supporting the vision of “Viksit Bharat” (Developed India) by 2047. The Indian AI market, valued at around ₹99,400 crore in 2025, is projected to expand to ₹2.7 lakh crore by 2031, reflecting rapid adoption across sectors.AI is expected to contribute between 0 billion and 7 billion to India’s GDP by 2035, with optimistic projections reaching up to .7 trillion. With approximately 89% of Indian organizations adopting AI—significantly higher than the global average of 69%—India demonstrates strong readiness for AI-driven growth. The country also possesses a robust talent pool of nearly 6 million AI professionals, supported by initiatives such as the IndiaAI Mission, which allocates ₹10,372 crore for infrastructure, datasets, and skilling. Sectoral impacts of AI are widespread, including enhanced productivity in banking (up to 40%), manufacturing (30%), agriculture (20%), and healthcare (high diagnostic accuracy). However, challenges such as job displacement, data security concerns, infrastructure limitations, and ethical issues must be addressed. This research article examines the macroeconomic contributions of AI, its sectoral applications, employment implications, policy frameworks, and future projections, with a particular focus on Karnataka’s role as a leading AI hub.
DOI: https://doi.org/10.5281/zenodo.20108429
Artificial Intelligence In Agriculture: Enhancing Productivity And Sustainability In India With Special Reference To Karnataka
Authors: Dr. R. Shekhar
Abstract: Agriculture remains the backbone of global food security, yet it faces unprecedented challenges due to population growth, climate change and resource scarcity. Artificial Intelligence (AI) has emerged as a transformative solution, enabling precision agriculture through data-driven decision-making, automation and predictive analytics. Empirical studies demonstrate that AI-based interventions can increase crop yields by 20–30%, reduce water usage by up to 50% and minimize chemical inputs by 40–77%, thereby promoting both economic efficiency and environmental sustainability. In the Indian context, where agriculture supports nearly 50% of the workforce and is highly vulnerable to climate variability, AI integration aligns with national initiatives such as Digital Agriculture Mission and PM-KISAN. Karnataka, as a leading agricultural state in horticulture and plantation crops, provides a compelling case with university-led pilot projects showing productivity gains of 22–25% in crops like ragi, rubber and coffee. This research article employs a narrative review approach following PRISMA-ScR guidelines, synthesizing 35 empirical studies conducted between 2015 and 2026. The findings indicate significant improvements in total factor productivity (TFP), resource efficiency and climate resilience. However, challenges such as digital divide, high adoption costs and ethical concerns related to data privacy persist. The study concludes that AI-driven agriculture has the potential to revolutionize farming systems in India, provided that policy frameworks focus on inclusivity, infrastructure development and capacity building among farmers.
DOI: https://doi.org/10.5281/zenodo.20108442
Generative Artificial Intelligence In Crop Breeding: Transforming Indian Agriculture With A Karnataka Perspective
Authors: Dr. Ranganath G
Abstract: Generative artificial intelligence is rapidly redefining crop breeding in India by enabling the design of novel genetic combinations and accelerating varietal development cycles from traditional timelines of 10–15 years to as little as 2–5 years. This transformation is particularly significant in a climate-vulnerable agricultural system where 58 percent of cultivated land is rainfed and productivity losses due to climate variability range between 2–5 percent annually. Advanced generative models such as Generative Adversarial Networks (GANs), Variational Autoencoders (VAEs), diffusion models, and protein language models allow breeders to simulate genotype-by-environment interactions, predict trait performance, and optimize multi-trait combinations with unprecedented precision. Empirical evidence from global and Indian studies indicates that generative AI-driven breeding can enhance crop yields by 20–50 percent, improve drought tolerance by up to 35 percent, and increase post-harvest shelf life in horticultural crops by 30 percent. Karnataka emerges as a leading innovation hub in this domain, with institutions such as the University of Agricultural Sciences Dharwad and the ICAR-Indian Institute of Horticultural Research pioneering field-level applications. This research article adopts a PRISMA-ScR guided narrative review methodology, synthesizing 45 empirical studies conducted between 2018 and 2026. The findings demonstrate that generative AI not only accelerates breeding cycles but also delivers strong economic returns, with a return on investment of 4–6 times over five years. However, the technology also presents challenges including data scarcity for indigenous crops, high computational costs, regulatory ambiguity, and issues of equitable access for smallholder farmers. The article concludes by proposing a comprehensive policy framework integrating national AI missions, digital agriculture infrastructure, and localized capacity building. It argues that generative AI, when deployed ethically and inclusively, can play a decisive role in achieving India’s long-term food security goals while enhancing farmer incomes and climate resilience.
DOI:
Artificial Intelligence In Karnataka Agriculture: Enhancing Productivity, Sustainability And Inclusive Rural Transformation
Authors: Dr. S.R. Hanumantharaya
Abstract: Artificial intelligence is emerging as a transformative force in Karnataka’s agricultural sector by enabling precision farming, real-time decision-making and sustainable resource management. Karnataka, where nearly 55 percent of the rural population depends on agriculture and around 58 percent of cultivated land is rainfed, faces persistent structural challenges such as climate variability, pest infestations, soil degradation and low productivity. The integration of artificial intelligence through machine learning, computer vision, Internet of Things (IoT) and satellite-based analytics is addressing these challenges by improving efficiency and reducing uncertainties in agricultural practices. The state’s proposed artificial intelligence-enabled agricultural platform for Kharif 2026, developed in collaboration with Indian Space Research Organisation and Bharat Electronics Limited, aims to provide real-time advisories in Kannada to more than one crore farmers through FRUBIS integration. Empirical evidence from pilot studies conducted across Karnataka indicates yield increases ranging from 15 percent to 25 percent in major crops such as ragi, coffee and coconut. At the same time, these technologies contribute to sustainability by reducing water consumption by approximately 30 to 35 percent and chemical inputs by nearly 40 to 50 percent. This study adopts a PRISMA-ScR-based narrative review of 35 empirical studies conducted between 2018 and 2026, focusing specifically on Karnataka. The findings highlight significant improvements in total factor productivity, environmental sustainability and farmer incomes. However, challenges such as the digital divide, infrastructure limitations, affordability constraints and data privacy concerns continue to hinder widespread adoption. The study concludes by emphasizing the need for policy support, capacity building and inclusive technological diffusion to ensure that artificial intelligence benefits all categories of farmers.
DOI: https://doi.org/10.5281/zenodo.20108531
Artificial Intelligence And Economic Growth In Emerging Economies: Productivity, Inequality And Policy Pathways With Evidence From India And Karnataka
Authors: Dr. Mamatha N.
Abstract: Artificial Intelligence (AI) is increasingly recognized as a transformative force shaping economic growth trajectories in emerging market economies (EMEs). These economies, which contribute more than half of global GDP growth, face structural challenges such as inadequate infrastructure, skill deficits and high levels of informality. AI offers a pathway to overcome these constraints by enhancing productivity, enabling innovation and facilitating leapfrogging over traditional stages of development. Empirical evidence suggests that AI adoption can increase total factor productivity (TFP) by 15–25% and contribute an additional 1–3% to annual GDP growth in high-readiness EMEs. India stands out as a prominent example due to its large digital ecosystem, expanding startup landscape and policy initiatives such as the India AI Mission and AgriStack. Karnataka, particularly Bengaluru, functions as a technological hub that bridges advanced AI innovation with agricultural and rural applications, demonstrating a model of inclusive growth. However, AI adoption also introduces challenges, including job displacement, digital inequality and ethical concerns related to bias and data privacy. This research article adopts a PRISMA-ScR-guided narrative review methodology, synthesizing 35 empirical studies from 2018 to 2026. It examines the mechanisms through which AI drives growth, evaluates sectoral impacts, analyzes challenges and proposes policy recommendations for inclusive and sustainable development. The findings highlight that while AI holds immense potential, its benefits are contingent upon investments in digital infrastructure, human capital and governance frameworks.
DOI: https://doi.org/10.5281/zenodo.20108549
Impact Of Cooperative Societies And Government Financial Schemes On Women Empowerment: A Study
Authors: Dr Gnanadeva S
Abstract: Women empowerment is a crucial driver of socio-economic development, particularly in developing countries like India. Cooperative societies and government financial schemes have emerged as key institutional mechanisms promoting women’s participation in economic and social activities. This study examines the role and impact of cooperative societies and financial inclusion schemes in enhancing women’s empowerment. Using secondary data, case studies, and empirical findings from various regions in India, the study evaluates how these interventions improve women’s economic independence, decision-making capacity, and social status. The findings suggest that cooperative participation and access to government schemes significantly enhance women's livelihoods, although challenges related to awareness, accessibility, and implementation persist.
DOI: https://doi.org/10.5281/zenodo.20108554
Influence Of Credit Cooperative Societies On Women Empowerment: A Study
Authors: Dr Basavarajappa P T
Abstract: Women empowerment has emerged as a key objective in sustainable development, particularly in developing countries like India. Credit cooperative societies play a significant role in providing financial access, fostering entrepreneurship, and improving socio-economic conditions of women. This study examines the influence of credit cooperative societies on women empowerment through a multidimensional approach including economic, social, and decision-making aspects. The study is based on secondary data sources, case studies, and empirical findings from previous research. The results indicate that cooperative credit institutions contribute positively to women’s financial independence, self-confidence, and participation in community development. However, challenges such as limited awareness, institutional constraints, and socio-cultural barriers still persist. The paper concludes with policy recommendations for strengthening cooperative frameworks to enhance women empowerment.
DOI: https://doi.org/10.5281/zenodo.20108606
Economic Policies And Artificial Intelligence: Transforming Productivity, Equity And Sustainable Growth – A Study With Special Reference To Karnataka
Authors: Dr. Ashwini D.N.
Abstract: Artificial Intelligence (AI) is increasingly becoming a central force in shaping modern economic policies across the globe. Governments are integrating AI-based tools to improve decision-making processes, enhance productivity, optimize resource allocation and address structural inequalities. In developing economies such as India, where agriculture remains a dominant sector, AI-driven interventions are particularly significant. Karnataka, a leading technological hub with a strong agricultural base, provides an ideal case for examining how subnational economic policies leverage AI for inclusive development. This research article explores the intersection between AI and economic policymaking, focusing on global trends and Karnataka-specific applications. It examines how AI contributes to productivity growth, employment transformation, inequality mitigation and sustainable agricultural practices. Drawing upon theoretical frameworks, empirical evidence and policy initiatives, the study highlights the opportunities and challenges associated with AI integration. While theoretical models predict significant gains in output and efficiency, empirical evidence on employment and distributional impacts remains mixed. The article concludes with policy recommendations aimed at ensuring that AI-driven economic transformation remains inclusive, equitable and sustainable.
DOI: https://doi.org/10.5281/zenodo.20108614
Impact Of Women Self Help Groups On Livelihood Security And Development Of Women In Karnataka: A Case Study Of Uttara Kannada District
Authors: Annappa Naik
Abstract: Women Self Help Groups (SHGs) have emerged as one of the most effective grassroots institutions for promoting women’s empowerment and strengthening livelihood security in Karnataka. Over the last few decades, SHGs have transformed rural socio-economic structures by enabling women to access savings, microcredit, skill development, and income-generating opportunities. In Uttara Kannada, where livelihoods are largely dependent on agriculture, fisheries, forest-based activities, and informal labour, SHGs serve as an essential mechanism for reducing economic vulnerability and enhancing resilience. This study examines the impact of SHGs on livelihood security and the overall development of women in Uttara Kannada district. It highlights that SHGs promote financial inclusion, improve income levels, encourage livelihood diversification, and enhance women’s participation in household and community decision-making. They also contribute to building confidence, leadership skills, and social awareness. However, despite these achievements, SHGs face challenges such as limited market linkage, inadequate enterprise capacity, irregular income streams, and dependence on external support systems. The article argues that SHGs should not be viewed merely as microfinance institutions but as comprehensive platforms for social transformation and grassroots development. Strengthening SHGs through institutional support, capacity building, and market integration can significantly improve sustainable livelihoods and empower women in rural Karnataka.
DOI: https://doi.org/10.5281/zenodo.20108634
A Study On Customers Purchase Behaviour Towards Fast Moving Consumer Goods (Fmcg) In Bangaluru City
Authors: Dr. RAGHAVENDRA B S
Abstract: Fast Moving Consumer Goods (FMCG) are essential, low-cost products that are consumed quickly and purchased frequently by consumers as part of their daily needs. These include items such as food products, toiletries, cleaning agents, and other household necessities. The present study aims to analyze the purchase behaviour of customers in Bangalore city, a rapidly growing urban market with diverse consumer preferences. The research is based on a sample size of 380 respondents, selected using a structured questionnaire to gather primary data regarding their buying habits and preferences.
DOI: https://doi.org/10.5281/zenodo.20108929
Application Of Artificial Intelligence In Financial Forecasting And Risk Management: Evidence From Indian Financial Markets
Authors: Lokesha N
Abstract: The fast growth in Artificial Intelligence (AI) and machine learning has brought notable changes to the way financial forecasting and risk management are carried out in global markets. Conventional econometric models, although commonly applied, often face limitations in capturing nonlinear relationships, rapid market fluctuations, and the complex structures present in financial time series data. In this regard, AI-based methods present effective alternatives for improving the accuracy of predictions and supporting better financial decisions. This study explores how artificial intelligence can strengthen financial forecasting and risk management, with a specific focus on Indian financial markets. It compares the effectiveness of traditional econometric approaches—especially the Generalized Autoregressive Conditional Heteroskedasticity (GARCH) model—with modern learning techniques such as Long Short-Term Memory (LSTM) neural networks, which are well-suited for identifying time-dependent patterns in financial data. The analysis is based on secondary data collected from leading financial institutions and stock exchanges in India, including the National Stock Exchange and the Bombay Stock Exchange. To assess forecasting performance, standard evaluation metrics like Mean Squared Error (MSE) and Root Mean Squared Error (RMSE) are used. The results indicate that AI-based models deliver better performance than traditional econometric models in forecasting market volatility and financial risk. This improvement is largely due to their capabilities to handle large data and detect complex nonlinear relationships.
DOI: https://doi.org/10.5281/zenodo.20108938
Awareness And Usage Of AI Tools Among Students: A Study With Reference To GFGC Kunigal
Authors: Dr. Mohan Kumar M.S, Ms. Vidya SM, Ms. Megha S N
Abstract: Artificial Intelligence (AI) has emerged as one of the most transformative technologies of the 21st century, significantly influencing various sectors including education. The study aims to explore the level of familiarity, patterns of usage, perceived benefits, and challenges associated with AI tools in the academic context. By doing so, it seeks to contribute to the growing body of research on AI in education and provide insights for educators, policymakers, and institutions to integrate AI technologies effectively and responsibly. The present study investigate the awareness about AI tools like ChatGPT among the students, the study was conducted by using primary and secondary data. The results show that majority of respondents are aware about the requirement of AI tools and they also believe that AI will the future and must be educated through university curriculum.
DOI: https://doi.org/10.5281/zenodo.20108966
Impact Of Fin Tech On Financial Inclusion In India During The Digital Economy Era.
Authors: Dr. Darshana T.N
Abstract: In recent years, there have been major improvements in financial inclusion in India, marked by rising account holders. At the same time, financial technology has started to revolutionize the banking sector by introducing more efficient and easier to use models of service delivery. This has helped to transform the way financial services are used by the emergence of digital consumers. Consumers are now using mobile applications for doing transactions such as payments, money transfer, loans, crowdfunding and investments. This has contributed to the expansion of digital markets, new types of services and jobs. Fintech is also being embraced by banks to remain relevant. In the Indian scenario, the growth of fintech and financial inclusion is important for economic growth as they improve efficiency and reduce structural bottlenecks. Increasing access to financial services is also in line with the government's welfare agenda, particularly that of reaching out to economically disadvantaged groups. Fintech-based services are, in general, important for inclusive development through better access to formal financial services. The study seeks to explore the effect of financial technology and digital financial services on financial inclusion in India.
DOI: https://doi.org/10.5281/zenodo.20109018
A Comprehensive Study On The Impact Of The Public Distribution System On Beneficiaries In Karnataka With Special Reference To Tumakuru District
Authors: Yogish, Dr. Varadarajegowda G.C
Abstract: The Public Distribution System (PDS) in Karnataka represents one of the most significant welfare interventions aimed at ensuring food security among vulnerable populations. Implemented under the National Food Security Act, the system provides subsidized food grains to millions of households, particularly targeting Priority Households (PHH) and Antyodaya Anna Yojana (AAY) beneficiaries. Karnataka has emerged as a leading state in PDS implementation, serving over 4.5 crore beneficiaries with subsidized rice and other essential commodities. The integration of digital reforms such as e-POS and Aadhaar-based authentication has significantly reduced leakages and improved transparency. This empirical study examines the impact of PDS on beneficiaries in Tumakuru district through a mixed-method approach involving a primary survey of 400 households, 20 Focus Group Discussions (FGDs), and secondary data analysis. The findings reveal high satisfaction levels (85%), improved nutritional security (75%), and measurable economic benefits, including monthly savings of approximately ₹500. Despite these achievements, challenges such as quality concerns, exclusion of migrant populations, and delays in Direct Benefit Transfer (DBT) persist. The study concludes that while Karnataka’s PDS model is highly effective, targeted reforms are necessary to enhance inclusivity and efficiency.
DOI: https://doi.org/10.5281/zenodo.20109074
Impact Of Microcredit On Employment Activities Of SHGs In Karnataka: A Case Study Of Chamarajanagar District
Authors: Ramesha K
Abstract: Microcredit has emerged as one of the most effective instruments for promoting employment, income generation, and economic empowerment among rural women in Karnataka. The Self Help Group (SHG) model has played a significant role in delivering microcredit to economically weaker sections, particularly women, who often lack access to formal financial systems. In rural districts such as Chamarajanagar, where livelihoods are largely dependent on agriculture, livestock rearing, wage labour, and informal sector activities, microcredit has created opportunities for self-employment and income diversification. This study examines the impact of microcredit on employment activities among SHG members in Chamarajanagar district. It highlights how access to credit has enabled women to sustain and expand existing livelihood activities, as well as initiate new microenterprises. The study also reveals that microcredit has contributed to increased savings behaviour, reduced dependence on informal moneylenders, and improved household economic stability. However, challenges such as small loan size, repayment pressure, lack of business skills, and weak market linkages continue to affect the overall effectiveness of microcredit. The article argues that while microcredit is a powerful tool for employment promotion, its success depends on complementary support such as training, enterprise development, and market integration. Strengthening these aspects can significantly enhance the role of microcredit in promoting sustainable livelihoods and women’s empowerment in rural Karnataka.
DOI: https://doi.org/10.5281/zenodo.20109093
Digital Economy And Artificial Intelligence
Authors: Sudharani R
Abstract: The digital economy is growing fast. Really fast. Businesses are shifting online. Consumers too. Everything feels… digital now. Artificial Intelligence (AI) sits right in the middle of this transformation. Quietly. But powerfully. This paper explores the digital economy and how AI shapes it. It describes the concept. Then analyzes the impact. Some good. Some not so good. AI improves efficiency. Helps decision-making. Drives innovation. But there are concerns too. Job losses. Privacy issues. Ethical confusion. Still unresolved. This study also focuses on India. Because things are moving quickly here. Digital payments. Online services. Automation. Everything expanding. The findings show one thing clearly. AI is not just supporting the digital economy. It is pushing it forward. Hard. But careful implementation is necessary. Skills must improve. Policies must adapt. Otherwise, growth may become uneven.
DOI: https://doi.org/10.5281/zenodo.20109191
Empowering Under Graduates For The AI Era: The Role Of Teachers In Enhancing Job Readiness Skills And Ethical Behavior
Authors: Dr. Ranjitha B R
Abstract: Artificial Intelligence (AI) transforms our global workforce across sectors such as higher education, the global market, the economy, and teaching methods. This article examines how teachers play a vital role in enhancing undergraduate (UG) job readiness and fostering ethical digital citizenship. One important role of teachers is to provide career-related information to UG students and guide them in the ethical use of different tools on various platforms. This study is based on qualitative analysis using various secondary sources. Some research studies state that teachers play a pivotal role in developing technical skills, soft skills, communication skills, and readiness skills for future generations. As well, teachers face challenges in adopting new technologies, especially those who have not participated in Faculty Development Programs (FDP) or Capacity Building Programs (CBP). Recently, the Indian government has focused more on developing technological skills among teachers, with emphasis on NEP-2020. Therefore, teachers are always ready to help empower UG students with job readiness skills and ethical behaviour. AI can support this by enhancing job readiness for UG students and develop ethical behavior.
DOI: https://doi.org/10.5281/zenodo.20109243
A Study On The Role Of Micro, Small And Medium Enterprises (MSMEs) In Economic Development Of India
Authors: Gangadharaiah G., Dr. Devarajappa S.
Abstract: Micro, Small and Medium Enterprises (MSMEs) play a vital role in the economic development of India. They contribute significantly to employment generation, industrial output, exports, and inclusive growth. This study examines the structure, performance, challenges, and policy support mechanisms of MSMEs in India. The research is based on secondary data collected from government reports, institutional publications, and academic journals. The findings reveal that MSMEs are crucial for balanced regional development and poverty alleviation, although they face challenges such as lack of finance, technological backwardness, and market constraints. The study concludes with recommendations to enhance the competitiveness and sustainability of MSMEs.
DOI: https://doi.org/10.5281/zenodo.20109259
Impact Of Digital Marketing On Customer Buying Behaviour: A Study With Case-Based Evidence
Authors: Ayisha Banu
Abstract: Digital marketing has significantly converted consumer buying behaviour by impacting mindfulness, perception, and decision- making processes. This study uses secondary data to examine how digital marketing strategies impact consumer behaviour supported by case studies of major platforms similar as Amazon, Instagram, and Flipkart. The findings reveal that substantiated advertising, social media engagement, online reviews, and promotional discounts play a pivotal part in shaping copping opinions. The study concludes that digital marketing has a strong and positive impact on consumer buying behaviour.
DOI: https://doi.org/10.5281/zenodo.20109284
