Authors:-Assistant Professor Dr. Ankita Singh

Abstract- The rapid integration of Artificial Intelligence (AI) into Human Resource (HR) decision-making has truly transformed how we approach recruitment, performance reviews, and employee engagement. With AI-driven tools, organizations can boost their efficiency by automating tasks, minimizing biases, and making more informed decisions based on data. However, there are still valid concerns about the ethical implications of AI, its lack of emotional intelligence, and the potential for reinforcing biases in hiring and promotion processes. This paper delves into the complex relationship between AI and human judgment in HR, examining how AI can enhance decision-making while ensuring that human oversight maintains fairness, ethical standards, and contextual understanding. By using a mixed-method approach, the study gathers insights from HR professionals on the integration of AI, focusing on key issues like transparency, accountability, and trust in AI-assisted decisions. The findings reveal that while AI significantly boosts efficiency and accuracy in HR tasks, human judgment remains essential for subjective assessments, such as cultural fit, employee well-being, and resolving conflicts. The research proposes a hybrid model that combines AI’s analytical strengths with human insight as the best approach for HR decision-making. This study contributes to the ongoing conversation about AI’s role in HR, offering recommendations for organizations to implement AI responsibly while maintaining ethical practices. It emphasizes the importance of establishing AI governance frameworks, highlighting that AI should complement, not replace, human HR professionals.

Authors:-Research Scholar Viraj P. Tathavadekar, Associate Professor Nitin R. Mahankale

Abstract- The current research paper studies the integration of circular economy practice into supply chain management, in terms of optimal resource utilization, and environmental sustainability. It introduces the transition of the traditional linear supply chain model to a more circular one with strategies that would promote resource recovery, reuse, and regeneration. Paper deepens into key principles of the circular economy, which includes waste reduction, extended product life cycles, and reduced use of resources, all applicable at any level of the supply chain-from design to end- of-life management. The economic, environmental, and social benefits are analyzed through a comprehensive literature review and case studies concerning waste reduction, cost saving, and supply chain resilience during disruptions. Integration challenges in adopting circular economy principles among organizations, which include technological barriers, regulatory impediments, and change barriers, are further discussed. It ends with strategies to overcome such barriers through collaboration, innovation, and the effective use of tools in the digital world, for more sustainable, circular supply chain.

A Study on Impact of FDI on Indian Economy– An Empirical Analysis

Authors:-Assistant Professor Dr. Pooja Kumari, Associate Professor Dr. R. Vennila

Abstract- A lot of debate is going on about the importance of foreign direct investment (FDI) in the process of growth has been hot in a number of nations, including India. The foundation and prerequisite for economic development and growth is investment. In addition to a country’s foreign exchange reserves, other factors that are essential to its health include exports, government revenue, financial status, the amount of available domestic savings, and the volume and caliber of foreign investment. The aim of this study is to analyze the impact of FDI on Indian Economy. To meet the objective of the study time series data is used 2005 to 2023. Variables used in the study are Foreign Direct Investment as dependent variable and Gross Domestic Capital Formation (GDCF), export, import, Gross Domestic Product (GDP), Foreign Exchange Reserve (FER) and Wholesale Price Index (WPI)as independent variables. Techniques used in this study are descriptive test, correlation and regression analysis. FDI exhibits a positive correlation with variables such as GDCF (0.44), Export (0.38), Import (0.42), GDP (0.44), and FER (0.44). This implies that a 1% increase in FDI corresponds to a corresponding degree of change in other variables. The correlation between WPI and FDI is negative, or – 0.22, indicating that the two variables go in different directions. The study concluded that FDI statically significantly impact on Indian economy.

A Study on Special Collective Scheme for Women Industrialists in Nagpur Division

Authors:-Vandana Baptist

Abstract- Initially the special collective scheme was launched under the B.R.Ambedkar scheme for men (SC/ST) and later it was amended in 2013 and specially launched for women industrialists in 2019 for the lesser developed D+ Zone of Nagpur Division. The Scheme will be studying the adequate financial assistance from government,Socio economic aspects as well as the skill development training programs are provided to the women entreprenurs or not.

The Moderating Influence of Brand Image on E- Wallet Usage Intention Among Stall Workers as Users: An Application of UTAUT 2 Model

Authors:-Abucayon, Jonathan E., Gingoba,Lianne Faye B., Quintero, Abigail E., Reyes, Ireen Nicole A., Engr. Hoque, Joanafe Q

Abstract- E-wallets are a crucial part of the global shift towards technology, improving the e-banking user experience. However, only a few e-wallet brands are well-known, and stall workers, who act as both recipients and senders of payments, play a unique role in e-wallet transactions. This study investigates how the brand image of e-wallets moderately influences stall workers’ e- wallet adoption, focusing on UTAUT 2 factors and their intention to use e-wallets. Results show that performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, and perceived value have a direct and significant relationship with e-wallet usage intention. Brand image also strengthens the positive effect between hedonic motivation and perceived value as predictors and e-wallet usage intention. The study concludes that brand image does not have a moderating effect between the intention to use an e-wallet and the actual usage of e- wallet. It emphasizes that brand image may not significantly impact the transition from intention to actual usage.

Digital Marketing Strategies of Nestle

Authors:-Tilak Gowdar

Abstract- The components affecting customer fulfilment and dependability in light of Nestle’s computerized advertising drives are analysed in this exploration utilizing various direct relapse. Through an overview, we had the option to assemble data on various free factors, remembering the recurrence of openness to Nestle promotions for virtual entertainment, how much time spent on sites, spending designs, web-based entertainment contribution, and the type of Nestle’s computerized ads. Likert scales and respondents’ mathematical evaluations were utilized to survey the reliant factors, which were client bliss and devotion. Relapse investigation was utilized to decide the degree to which these autonomous variables might represent customer satisfaction and faithfulness. To examine the relationship between the free and subordinate factors, we utilized a Google Structure to direct the overview, dissected the information we got in Succeed, and followed the various straight relapse approach. This approach gave an unmistakable image of the most strong elements impacting brand steadfastness and purchaser commitment in computerized promoting. The outcomes demonstrate that recurrence of promotion openness is the main calculate deciding consumer loyalty, trailed by site use and virtual entertainment commitment, the two of which essentially affect consumer loyalty. The nature of the substance likewise essentially affects consumer loyalty. The exploration’ consequences feature the need of a coordinated computerized showcasing approach that consolidates standard, excellent substance, powerful site communications, and high recurrence virtual entertainment contribution. Besides, the relapse concentrate on uncovered that advertisement openness advances brand memory and buying examples and virtual entertainment action affect shopper devotion. Nestle might use the data in these to change its advertising methodologies and spotlight endeavours on these significant regions, which will support buyer bliss and encourage persevering through reliability. Moreover, the numerous straight relapse model offers a determining device that might be accustomed to impending efforts to boost showcasing uses and commitment drives. The review features the rising meaning of information driven dynamic in computerized showcasing by offering a quantitative starting point for strategic changes intended to upgrade brand strength and client maintenance. Besides, the outcomes are particularly relevant in a ferocious market where long haul achievement relies upon understanding and adjusting to client conduct through custom fitted computerized encounters.

Implementation of Job Safety Analysis at Workplace Assembly

Authors:-Associate Professor Sandeep Kumar Yadav, Assistant Professor Shekhar Choudhary

Abstract- International safety standards stipulate that risk assessment is the first step to understand and eliminate hazardous working environments. The traditional risk assessment method using workplace safety analysis, which analyzes potential risks in the sequential tasks of workers, can be adapted to applications where humans and robots work together to complete assembly tasks. In this article, we propose a new approach that takes into account equally the different participants working in each working area. Using an industrial case study, we demonstrate the process used in the early stages of the development of a collaborative assembly cell.

Custom Duty Exemptions and Their Economic Implications “A Case Study of Special Economic Zones (SEZs) in India”

Authors:-Research Scholar Anurag Singh Parihar, Associate Professor & Head Dr. C.P. Gujar

Abstract- This research paper explores the economic implications of custom duty exemptions in India’s Special Economic Zones (SEZs). SEZs have been instrumental in promoting industrialization, export growth, and foreign direct investment (FDI) by offering various fiscal incentives, including custom duty exemptions. This study aims to analyze the effectiveness of these exemptions in achieving their intended economic outcomes. By employing a case study approach, the paper examines several SEZs across different regions of India to understand how custom duty exemptions influence investment decisions, export performance, and overall economic activity within these zones. The research also evaluates the broader economic impact on domestic industries outside SEZs and assesses whether the benefits of such exemptions outweigh potential revenue losses for the government. The findings contribute to policy discussions on optimizing fiscal incentives to balance growth and fiscal sustainability, offering recommendations for future policy directions to enhance the efficacy of SEZs in India.

Exploring the influence Ethical Leadership Dimensions on Employee Engagement: Case Study on Selected Public Service Employees in Batu Town Administrations

Authors:-Dedefo Gemechu

Abstract- This study examines the impact of ethical leadership dimensions on employee engagement, focusing on public service employees within Batu town administrations. The demographic analysis indicates a workforce predominantly comprising males (71%) and younger professionals aged 26–35 years, with most holding Bachelor’s (57%) and Master’s (43%) degrees. Work experience distribution highlights early-to-mid-career professionals (6–10 years) as the largest group. These findings underscore a dynamic, educated, and youthful workforce with significant potential for professional growth and organizational innovation. Ethical leadership dimensions—such as role modeling, transparency, integrity, fairness, and accountability—emerged as critical factors shaping employee engagement. Leaders who demonstrate consistent ethical behavior foster trust, motivate employees, and create a positive organizational culture. However, inconsistent application of these dimensions was found to weaken long-term engagement, as it reduces employee confidence in leadership practices. Findings highlight that fairness in workload distribution and opportunities, coupled with transparent decision-making, enhances employee satisfaction and strengthens team cohesion. Trust in leadership, driven by accountability and open communication, plays a pivotal role in ensuring employee commitment and productivity, especially during challenging situations. Key recommendations include establishing structured training programs to help leaders enhance ethical decision-making and communication skills. Ethical dialogue forums are suggested as a means of fostering inclusivity, where leaders and employees can collectively address ethical concerns and organizational updates. Clear equity mechanisms should be introduced to ensure fair workloads, career advancement opportunities, and recognition to maximize engagement across all demographic groups. This study, specific to the public service sector in Batu town administrations, provides valuable insights into the role of ethical leadership in employee engagement. However, the results may not fully apply to other organizational settings. Future research should examine the influence of cultural and organizational factors on ethical leadership and its relationship with innovation and long-term employee retention in broader contexts. By addressing these issues, public organizations can create an inclusive and engaging workplace environment that promotes high morale, trust, and sustainable success.

A Study on Use of Artificial Intelligence to Boost Productivity and Career Advancement for Gig Workers in the Education Sector

Authors:-Assistant Professor Christopher Louis

Abstract- The increasing integration of Artificial Intelligence (AI) in the education sector is revolutionizing the way gig workers—such as freelance educators, tutors, and content creators—operate. AI tools assist in lesson planning, content creation, student engagement, administrative tasks, and career development. This study examines the extent to which AI is used by gig workers in the education sector, its impact on productivity and career advancement, and the challenges faced in AI adoption. Using a mixed-methods approach, the study analyzes survey responses and expert interviews to understand how AI is reshaping gig-based education work. The findings suggest that while AI significantly enhances efficiency, many gig workers lack the necessary training to fully leverage AI’s potential. Recommendations are made for AI-focused upskilling programs and ethical AI implementation.

Integrating Circular Economy Practices into Supply Chain Management for Effective Resource Utilization and Environmental Sustainability

Authors:-Research Scholar Viraj P. Tathavadekar, Associate Professor Nitin R. Mahankale

Abstract- The current research paper studies the integration of circular economy practice into supply chain management, in terms of optimal resource utilization, and environmental sustainability. It introduces the transition of the traditional linear supply chain model to a more circular one with strategies that would promote resource recovery, reuse, and regeneration. Paper deepens into key principles of the circular economy, which includes waste reduction, extended product life cycles, and reduced use of resources, all applicable at any level of the supply chain-from design to end- of-life management. The economic, environmental, and social benefits are analyzed through a comprehensive literature review and case studies concerning waste reduction, cost saving, and supply chain resilience during disruptions. Integration challenges in adopting circular economy principles among organizations, which include technological barriers, regulatory impediments, and change barriers, are further discussed. It ends with strategies to overcome such barriers through collaboration, innovation, and the effective use of tools in the digital world, for more sustainable, circular supply chain.

Analyzing the Impact of Social Media Marketing on Purchase Intention

Authors:-Rishu Yadav

Abstract- In the digital era, social media has transformed the way business interacts with consumers. This research paper delves into how social media marketing (SMM) strategies influence consumer purchasing decisions. Utilizing structural equation modeling (SEM) with SPSS and AMOS, your study empirically examines the mediating role of trust in the relationship between SMM practices and purchase intentions. The findings underscore that trust significantly mediates this relationship, suggesting that fostering consumer trust through social media platforms can enhance purchasing behavior.

The Butterfly Effect in Commerce

Authors:-Rishu Yadav

Abstract- Artificial Intelligence (AI) is transforming the commerce industry by enabling automation, enhancing customer experiences, and optimizing business operations. This research paper explores the butterfly effect of AI in commerce, demonstrating how minor technological advancements can lead to significant, industry-wide disruptions. AI applications in personalization, marketing, supply chain management, financial security, and business decision-making have created ripple effects that redefine market dynamics and consumer behavior. By understanding AI’s butterfly effect, organizations can leverage its benefits responsibly and sustainably, ensuring long-term success in the evolving digital economy.

Examining the Impact of Supply Chain Disruptions on Shipping Delays

Authors:-Krish B. Dadwani, Bhavin Bhanushali, Professor Hasmukh Panchal

Abstract- Global supply chains have faced unprecedented challenges, resulting in severe shipping delays. This study adopts a mixed-method approach to investigate the key factors contributing to these disruptions, including labor shortages, port congestion, and geopolitical instability. Additional complications, such as trade restrictions and environmental uncertainties, further aggravate these issues, with container shortages and inefficiencies in logistics identified as primary causes. The research explores various strategies to mitigate these disruptions, including supply chain diversification, digitalization, and alternative transportation methods to enhance resilience. Furthermore, the study underscores the importance of investing in technology, infrastructure, and adaptive supply chain models to reduce delays and maintain trade stability. By integrating both qualitative and quantitative analysis, this research provides a comprehensive insight into supply chain vulnerabilities and potential solutions. The results suggest that effective risk mitigation strategies and advancements in technology are vital in managing disruptions within global trade. Ultimately, the study emphasizes the need for collaboration among governments, businesses, and logistics providers to develop a more resilient and efficient supply chain network capable of withstanding future uncertainties.

Optimizing Credit Management for Advancing Financial Inclusion: A Study of Microfinance Institution

Authors:-Deval Yogesh Shah, Sathwara Nandani

Abstract- By providing small loans to people who do not have access to traditional banking services, microcredit institutions play a crucial role in promoting financial inclusion. This study looks at the credit management practices used by these institutions and how they affect financial inclusion. The main areas of focus are loan disbursement, repayment mechanisms, borrower assessment, and risk mitigation strategies. Strategies like flexible repayment schedules, borrower education programs, and community-based support systems improve repayment rates while promoting financial literacy, and effective practices like using credit scoring models and alternative data for borrower assessment greatly increase the accuracy of loan decisions and reduce the risk of default .Notwithstanding these advantages, microcredit organizations nevertheless have to deal with issues such restricted access to capital, legal restrictions, and socioeconomic impediments that make it difficult to put good credit management techniques into reality. Governments, banking regulators, funders, and microfinance professionals must work together to overcome these challenges and establish an atmosphere that encourages long-term financial inclusion. Stakeholders can empower marginalized people, encourage grassroots economic development, and create a more inclusive financial system by tackling these issues and implementing best practices. By giving people the money they need to launch small companies, make educational investments, and enhance living conditions, microcredit organizations have shown a remarkable capacity to change the lives of marginalized communities. At the heart of this achievement are efficient credit management procedures, which guarantee these institutions’ long-term viability while satisfying the various demands of its customers. In addition to lowering default risks, borrower assessment procedures include using alternative data sources and community-based evaluations increase access to those without official credit histories. However, there are many obstacles in the way of obtaining broad financial inclusion with microcredit. Due to their inability to obtain sufficient money, many microcredit organizations frequently rely largely on donations or exorbitant interest rates that could burden borrowers. Their operational efficiency may also be restricted by regulatory restrictions, such as strict compliance requirements and conflicting policy frameworks. These problems are exacerbated by socioeconomic constraints, such as poverty, illiteracy, and gender inequality, which make it harder for underserved populations to get and use microcredit programs. A multi-stakeholder strategy emphasizing innovation, capacity building, and policy alignment is required to address these issues.

A Study of Distribution Channel Dynamics in Britannia Industries

Authors:-Assistant Professor Mayank Jain, Professor Hasmukh Panchal

Abstract- This research paper explores the distribution channel dynamics of Britannia Industries, one of India’s leading food companies. Through comprehensive analysis, the study examines the various distribution strategies employed by the company, the role of technology, and the challenges faced in different regions. It also provides insights into the future trends and recommendations for optimizing distribution channels.

Examining How Organizations Manage Seasonal Fluctuations in Demand and Adjust Inventory Strategies to Optimize Sales Opportunities While Minimizing Excess Stock

Authors:-Mr. Nishant Verma, Mr. Darshil Nanera, Professor Hasmukh Panchal

Abstract- Seasonal variations in demand present considerable obstacles for organizations, necessitating adaptable inventory management strategies to reconcile sales possibilities with the hazard of surplus stock. This document investigates different strategies that organizations utilize to handle these variations, such as demand forecasting, inventory optimization, and flexible supply chain methods. By examining existing literature and case studies, the document offers insights into successful techniques and the influence of technology on inventory management.

Authors:-Assistant Professor Dr. Meghna Sharma

Abstract- This research analyses different types of downsizing announcements in the IT sector. A cognitive analysis has been done to understand various types of downsizing announcements and how IT employees perceive them. A descriptive analysis has been done on the methods adopted by the IT companies to announce downsizing such as media announcements, internal declaration, feedback after declaring the downsizing, and storytelling method. The research concluded that employees prefer the storytelling method in making the downsizing announcement wherein they get the opportunity to understand that they may find better options in their career path.

Authors:-Research Scholar Anurag Singh Parihar, Associate Professor Dr. C.P. Gujar

Abstract- This research paper delves into the intricate dynamics of Goods and Services Tax (GST) collection growth in India over a five-year period, from the financial year 2019-20 to 2023-24. By leveraging comprehensive data analysis, the study aims to unravel the multifaceted factors influencing GST collection trends, including economic activities, policy changes, compliance rates, and administrative measures. The paper begins with an overview of the GST framework, followed by a detailed examination of annual and quarterly GST revenue data. Key economic indicators are correlated with GST collection to highlight the impact of macroeconomic conditions. Furthermore, the research incorporates a comparative analysis of sectoral contributions to GST revenue, identifying sectors with significant growth and those lagging behind. The findings reveal critical insights into the effectiveness of GST implementation and its adaptability to changing economic landscapes. This analysis not only underscores the strengths and weaknesses in the current GST system but also offers strategic recommendations for enhancing revenue mobilization and ensuring sustainable fiscal growth. By providing a holistic view of GST collection dynamics, this paper contributes to the ongoing discourse on tax policy and economic reform in India.

A Study on Impact of FDI on Indian Economy– An Empirical Analysis

Authors:-Assistant Professor Dr. Pooja Kumari, Associate Professor Dr. R. Vennila

Abstract- A lot of debate is going on about the importance of foreign direct investment (FDI) in the process of growth has been hot in a number of nations, including India. The foundation and prerequisite for economic development and growth is investment. In addition to a country’s foreign exchange reserves, other factors that are essential to its health include exports, government revenue, financial status, the amount of available domestic savings, and the volume and caliber of foreign investment. The aim of this study is to analyze the impact of FDI on Indian Economy. To meet the objective of the study time series data is used 2005 to 2023. Variables used in the study are Foreign Direct Investment as dependent variable and Gross Domestic Capital Formation (GDCF), export, import, Gross Domestic Product (GDP), Foreign Exchange Reserve (FER) and Wholesale Price Index (WPI)as independent variables. Techniques used in this study are descriptive test, correlation and regression analysis. FDI exhibits a positive correlation with variables such as GDCF (0.44), Export (0.38), Import (0.42), GDP (0.44), and FER (0.44). This implies that a 1% increase in FDI corresponds to a corresponding degree of change in other variables. The correlation between WPI and FDI is negative, or – 0.22, indicating that the two variables go in different directions. The study concluded that FDI statically significantly impact on Indian economy.

Unveiling the Dynamics of Goods and Services Tax (GST) Collection Growth: A Comprehensive Analysis from Financial Year 2019-20 to 2023-24

Authors:-Research Scholar Anurag Singh Parihar, Associate Professor Dr. C.P. Gujar

Abstract- This research paper delves into the intricate dynamics of Goods and Services Tax (GST) collection growth in India over a five-year period, from the financial year 2019-20 to 2023-24. By leveraging comprehensive data analysis, the study aims to unravel the multifaceted factors influencing GST collection trends, including economic activities, policy changes, compliance rates, and administrative measures. The paper begins with an overview of the GST framework, followed by a detailed examination of annual and quarterly GST revenue data. Key economic indicators are correlated with GST collection to highlight the impact of macroeconomic conditions. Furthermore, the research incorporates a comparative analysis of sectoral contributions to GST revenue, identifying sectors with significant growth and those lagging behind. The findings reveal critical insights into the effectiveness of GST implementation and its adaptability to changing economic landscapes. This analysis not only underscores the strengths and weaknesses in the current GST system but also offers strategic recommendations for enhancing revenue mobilization and ensuring sustainable fiscal growth. By providing a holistic view of GST collection dynamics, this paper contributes to the ongoing discourse on tax policy and economic reform in India.

The Downsizing Announcement: The Cognitive Analysis in the IT Sector

Authors:-Assistant Professor Dr. Meghna Sharma

Abstract- This research analyses different types of downsizing announcements in the IT sector. A cognitive analysis has been done to understand various types of downsizing announcements and how IT employees perceive them. A descriptive analysis has been done on the methods adopted by the IT companies to announce downsizing such as media announcements, internal declaration, feedback after declaring the downsizing, and storytelling method. The research concluded that employees prefer the storytelling method in making the downsizing announcement wherein they get the opportunity to understand that they may find better options in their career path.

A Study on Impact of FDI on Indian Economy– An Empirical Analysis

Authors:-Assistant Professor Dr. Pooja Kumari, Associate Professor Dr. R. Vennila

Abstract- A lot of debate is going on about the importance of foreign direct investment (FDI) in the process of growth has been hot in a number of nations, including India. The foundation and prerequisite for economic development and growth is investment. In addition to a country’s foreign exchange reserves, other factors that are essential to its health include exports, government revenue, financial status, the amount of available domestic savings, and the volume and caliber of foreign investment. The aim of this study is to analyze the impact of FDI on Indian Economy. To meet the objective of the study time series data is used 2005 to 2023. Variables used in the study are Foreign Direct Investment as dependent variable and Gross Domestic Capital Formation (GDCF), export, import, Gross Domestic Product (GDP), Foreign Exchange Reserve (FER) and Wholesale Price Index (WPI)as independent variables. Techniques used in this study are descriptive test, correlation and regression analysis. FDI exhibits a positive correlation with variables such as GDCF (0.44), Export (0.38), Import (0.42), GDP (0.44), and FER (0.44). This implies that a 1% increase in FDI corresponds to a corresponding degree of change in other variables. The correlation between WPI and FDI is negative, or – 0.22, indicating that the two variables go in different directions. The study concluded that FDI statically significantly impact on Indian economy.

Efficiency of Pareto Optimality for Consumption and Production

Authors:-Pakhshan M R Palani, Ali jalal Hussen

Abstract- Pareto efficiency, or Pareto optimality, is an economic condition where possessions cannot be rearranged to make one specific better off without creating at least one individual worse off. In this paper, the main objective is to focus on the empirical implications of Pareto optimal provision of public goods and of competitive equilibrium with public goods. The data set to test the empirical implications does not require full information on individual private goods consumption, and only involves market prices, aggregate endowments and production, government tax revenue and individual incomes. The research is based on reviewing and analyzing 15 different articles in a variety of international peer reviewed journal. The overall results show that the Pareto principle in mathematical economy can be used to derive necessary and sufficient conditions for observable data to be consistent with Pareto optimal provision of public goods and competitive equilibrium with public goods, respectively. Furthermore, the research has confirmed that Pareto efficiency is occurring when an organisation or entrepreneurs has its resources and goods apportioned to the supreme level of efficiency, and no alteration can be made without creating someone worsened. The study recommends the business world, factory managers to adopt Pareto development trials, in which they relocate labor capitals to attempt to increase the output of gathering workers without say, declining the productivity of the stuffing and delivery workers.

A Study on the Comparison of Mutual Fund Schemes in India

Authors:-Pallavi Rai Chandra Shekhar

Abstract- This study investigates the dynamics of mutual fund performance in India, focusing on factors such as investor behavior, regulatory influences, technological advancements, and the growing popularity of Environmental, Social, and Governance (ESG) funds. It provides an in-depth analysis of the evolution of mutual funds, both globally and in the Indian context, examining key performance evaluation metrics, investor preferences, and the role of financial technology in enhancing mutual fund accessibility. Drawing from a wide range of domestic and international literature, this research aims to fill existing gaps in mutual fund performance studies, offering insights into the impact of recent regulatory changes, the growing influence of digital platforms, and the shift toward sustainable investing. The findings underscore the significance of investor education, cost efficiency, and the resilience of ESG funds during market downturns. This research also identifies areas for future exploration, such as the long-term effects of emerging technologies on mutual fund transparency and performance.

Economic Impact of Self-Help Group Members in Lucknow and Basti District, Uttar Pradesh: An Analytical Study

Authors:-Pallavi Rai Chandra Shekhar

Abstract- This study explores the economic impact of Self-Help Group (SHG) membership on individuals in two districts of Uttar Pradesh, India—Lucknow (urban) and Basti (rural). The study evaluates the impact of SHGs on income, savings, access to credit, and livelihood diversification among 300 participants—200 SHG members (100 from each district) and 100 non-members. Both quantitative data (survey) and qualitative data (interviews and focus group discussions) were collected. The results show a notable improvement in economic outcomes for SHG members in both districts, although members in Lucknow experienced a significantly higher increase in income and livelihood diversification. The rural district of Basti faces challenges such as market access, digital illiteracy, and infrastructural limitations, which hinder the full potential of SHGs. Recommendations emphasize infrastructural improvements, digital literacy, and financial inclusion programs, particularly for rural SHGs, to enhance their long-term sustainability and impact.

The Future of Strategic Entrepreneurship

Authors:-Manish Kumar Chaudhari, Arjita Jaiswal

Abstract- In the evolving world of business, where sustainability and innovation are critical, Precisionpreneurship emerges as a cutting-edge entrepreneurial model. It redefines traditional entrepreneurship by integrating calculated decision-making, disruptive innovation, and a focus on long-term societal impact.

Human VS. Machine: The Balance of AI and Human Judgment in HR Decisions

Authors:-Assistant Professor Dr. Ankita Singh

Abstract- The rapid integration of Artificial Intelligence (AI) into Human Resource (HR) decision-making has truly transformed how we approach recruitment, performance reviews, and employee engagement. With AI-driven tools, organizations can boost their efficiency by automating tasks, minimizing biases, and making more informed decisions based on data. However, there are still valid concerns about the ethical implications of AI, its lack of emotional intelligence, and the potential for reinforcing biases in hiring and promotion processes. This paper delves into the complex relationship between AI and human judgment in HR, examining how AI can enhance decision-making while ensuring that human oversight maintains fairness, ethical standards, and contextual understanding. By using a mixed-method approach, the study gathers insights from HR professionals on the integration of AI, focusing on key issues like transparency, accountability, and trust in AI-assisted decisions. The findings reveal that while AI significantly boosts efficiency and accuracy in HR tasks, human judgment remains essential for subjective assessments, such as cultural fit, employee well-being, and resolving conflicts. The research proposes a hybrid model that combines AI’s analytical strengths with human insight as the best approach for HR decision-making. This study contributes to the ongoing conversation about AI’s role in HR, offering recommendations for organizations to implement AI responsibly while maintaining ethical practices. It emphasizes the importance of establishing AI governance frameworks, highlighting that AI should complement, not replace, human HR professionals.

Authors:- Research Scholar Sukhada Koppikar

Abstract- Investing in women’s financial literacy is not just an ethical imperative, but a strategic investment in a more sustainable future. This paper explores the crucial link between financial literacy and women’s empowerment, emphasising its impact on individual well-being, economic growth, and societal progress. Women empowerment goes beyond simply having rights on paper. It requires access to resources, decision-making power, and the ability to influence outcomes without undue social or economic pressure. It’s not just about financial independence, but also about freeing women from dependence on men or family for basic needs and opportunities. This includes social, cultural, and political independence as well. The statistic of 50% economically dependent women highlights the vastness of the issue in India. It emphasises the need for widespread and targeted interventions to address this challenge. This paper examines the financial behaviour and product knowledge of working women in Maharashtra. Financial literacy consists of combining efforts of knowledge and skills with saving and investment behaviour to generate wealth. Financial products are complex and require rational planning and a deep understanding of the basic functioning of financial products. Proper planning of income is crucial for leading a debt-free and financially healthy retirement. Financial product literacy consists of knowledge of financial worth, PPF, Equity shares, Preference shares, Recurring deposits, Bonds, Mutual Funds, SIP’s, Market regulator RBI and insurance coverage. Urban working women need to actively participate in financial planning and investing. This is possible if they possess the knowledge and tools of investing. The study aims to understand the present levels of financial literacy both basic and advanced possessed by urban women.

Authors:- Vidhi Nayyar, Vedang Khopkar

Abstract- The present study aims to delve into the perception of the youth and working class of India about CBDC- a new financial technology backed by the Reserve Bank of India. The study will help to understand the various perspectives and insights about this novel technology and thus try to comprehend and infer on its various implications, possible benefits, drawbacks and changes it would bring in place due to its adoption. This study sheds light on the application of concepts like centralisation, blockchain technology and smart contracts, which are integrated into it.

Authors:- Tiana Kukreja

Abstract- In recent years, marketing has dramatically shifted with the rise of influencer marketing. Social media influencers (SMIs) with significant followings and authenticity are now pivotal in reaching target audiences, bolstering brand awareness, and driving revenue. Brands collaborate with SMIs, creating a symbiotic relationship that promotes products and enhances brand appeal. Understanding the impact on brand trust and consumer loyalty requires examining alignment with target audiences, influencer reach, engagement levels, follower demographics, and brand sentiment. Influencers provide a more relatable alternative to traditional endorsements, reshaping marketing paradigms. This study explores how influencer marketing affects consumers using a social media influencer value model that highlights advertising value and source credibility. An online survey reveals that informative, trustworthy, attractive, and relatable influencer content boosts trust in branded posts, increasing brand awareness and purchase intentions. Additionally, the study examines how demographic factors like gender, income, and education affect the relationship between SMIs and choice imitation, offering insights for strategies to enhance brand loyalty and consumer engagement.

DOI: https://doi.org/10.61463/ijnrefm.vol.2.issue3.110