Crop Insurance In A Changing Climate: Resilience, Exclusion, And Reform In PMFBY And RWBCIS

Authors: John Senya

Abstract: This research paper examines the transformative potential of digital technologies and the 24-hour economy concept in revitalizing Ghana's public and non-profit sectors. As Ghana pursues economic diversification and sustainable development, the integration of digital infrastructure with extended operational hours presents unprecedented opportunities for enhanced service delivery, increased productivity, and improved citizen engagement. This study analyzes current digital transformation initiatives, evaluates the feasibility and implications of a 24-hour economy model, and provides strategic recommendations for optimizing both sectors' performance. The study relies on recent policy trends, empirical data, and comparative analyses to demonstrate how these two catalysts can effectively drive institutional reform, transparency, and foster inclusive growth in the developmental pattern of Ghana.

DOI: https://doi.org/10.5281/zenodo.15862637

Authors: Ms. Sushmitha Vincent Chemmannoor, Professor, Gabriel Rodrigues

Abstract: With music education gaining importance in urban India, the demand for private guitar lessons has seen a surge in Tier 1 and Tier 2 cities and an informal music teaching economy has emerged. However, there hasn’t been much research on how this sector works – pricing, demand and income sustainability. This study aims to fill that gap by comparing the economics of private guitar tutoring in these cities. It looks at how tutors organize their services – hourly rates or monthly packages, online or in-person. It also examines the average fees they charge and the income patterns. Additionally, it explores what makes consumers willing to pay – tutors’ qualifications, mode of lesson delivery, learners’ backgrounds and free online options. The findings show big differences: Tier 1 tutors charge higher fees and have a wider digital reach; Tier 2 tutors charge lower fees but have lower overheads and face challenges in scaling up. The study concludes with policy and entrepreneurial suggestions – local certification, subsidized infrastructure and digital support to formalize and upgrade the private music education landscape in urban India