The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) is a pivotal welfare program in India, designed to ensure 100 days of guaranteed wage employment for rural households. The Santhal, a major Scheduled Tribe of eastern India, combine traditional indigenous practi...
Open access
Research Article10.9734/sajsse/2025/v22i121228
Zero-based budgeting (ZBB) is a systematic approach to budgeting that starts from a "zero base," aiming to analyze the requirements and costs of each activity. The aim of this article is to explore the application of ZBB as an effective means of budgetary control within the Panch...
Open access
Research Article10.9734/ajeba/2024/v24i121600
India is moving rapidly towards a digital and cashless or less-cash-dependent economy through the Digital India movement. In this journey, various initiatives have been launched by the Government of India, and the Unified Payment Interface (UPI) is one such initiative. It provide...
Open access
Research Article10.9734/ajeba/2026/v26i92379
Digital financial literacy has become increasingly significant as digital financial services are widely used for payments, banking, savings, investment, and other financial activities. The effective use of these services requires both financial understanding and the ability to na...
Open access
Research Article10.9734/sajsse/2026/v23i71346
The rapid growth of fintech and AI-enabled investment platforms has significantly transformed mutual fund investing behaviour among young Indians. This study examines the rise of self-directed mutual fund investing and analyses how digital financial infrastructure, fintech access...
Open access
Research Article10.9734/sajsse/2026/v23i61336
India’s growing financial awareness and digital platforms have increased interest in direct equity and mutual funds. Direct equity offers high returns with high risk, while mutual funds provide diversified and safer investments. This study examines the comparative performance of...
Open access
Research Article10.9734/ajeba/2026/v26i62296
The rapid rise of financial influencers (finfluencers) on social media has significantly transformed the way retail investors engage with financial markets. While these influencers have made financial information more accessible, their growing influence raises important concerns...
Open access
Research Article10.9734/ajeba/2026/v26i52276
Behavioral finance is an emerging approach that challenges the traditional view of investors’ rational decision-making ability. Behavioral biases are the core idea of behavioral finance, which constitutes emotional and cognitive biases that distort investors’ rational judgment an...
Open access
Research Article10.9734/ajeba/2026/v26i22179
The retirement age of people in India is around 60 years, and the life expectancy is around 70 years. So, the obvious question is how a person after retirement fulfils their requirement without active earning. Today they are of an age where they can work hard and make money, but...
Open access
Research Article10.9734/ajeba/2025/v25i102027
Over the past decade, the mutual fund industry has grown tremendously and becoming an incredibly significant part of the Indian economy. Mutual fund market helps general population to be the part of capital market indirectly by pooling money from the investors, those who wants to...
Open access
Research Article10.9734/ajeba/2025/v25i81912
This study critically examines the dual-edged impact of globalization on Micro, Small, & Medium Enterprises (MSMEs) & their consequential role in fostering economic development. Despite globalization offering unparalleled opportunities for market expansion, technological...
Open access
Research Article10.9734/ajeba/2024/v24i111557
This study provides a detailed analysis of the key role that the MSME sector plays in India’s growth and development journey. It provides information about the key economic indicators and how MSME contributes to it. Emphasis was laid on major Indicators such as employment rates,...
Open access
Research Article10.9734/ajeba/2024/v24i71416
Aim: The retail investors of the Indian investment landscape are found to base their investment decisions on several factors that may not be entirely attributed to price movement and information availability. Various studies have been conducted to capture these behavioral attribu...
Open access
Research Article10.9734/ajeba/2024/v24i61374