IOSR-JHSS   Volume-31 ~ Issue-5 ~ May 2026

Abstract: This paper examines how credit risk management affects the financial performance of commercial banks in Kenya using panel evidence from 39 banks over the period 2018-2023. The study is motivated by the persistent rise in non-performing loans in the Kenyan banking sector and the need for stronger evidence on how risk variables, control mechanisms, and lending conditions shape bank outcomes. Three related panel models are estimated. The first evaluates the effect of credit risk on return on equity (ROE), the second examines how credit risk control variables.....

Key Words: credit risk management, financial performance, non-performing loans, commercial banks, panel data, Kenya

[1]. Adekunle, O., Alalade, S. Y., Agbatogun, T., & Abimbola, C. (2015). Credit Risk Management And Financial Performance Of Selected Commercial Banks In Nigeria. Journal Of Economic & Financial Studies, 3(1), 1-9.
[2]. Bahadir, B., Chatterjee, S., & Lebesmuehlbacher, T. (2019). The Macroeconomic Consequences Of Remittances. Journal Of International Economics, 118, 42-57.
[3]. Berger, A. N., & Udell, G. F. (2002). Small Business Credit Availability And Relationship Lending: The Importance Of Bank Organisational Structure. The Economic Journal, 112(477), F32-F53.
[4]. Bessis, J. (2011). Risk Management In Banking. John Wiley & Sons.
[5]. Brownbridge, M., & Harvey, C. (1998). Banking In Africa: The Impact Of Financial Sector Reform Since Independence. James Currey.

Abstract: In contemporary societies marked by polarization, inequality, and social fragmentation, educational institutions carry a profound responsibility that extends beyond academic instruction. Schools are increasingly called upon to cultivate socially responsible citizens who are capable of empathy, dialogue, and inclusive engagement. Within this context, student leadership emerges as a transformative educational practice that nurtures peace-oriented attitudes.....

[1]. Banks, J. A. (2015). Cultural Diversity And Education. Routledge.
[2]. Fielding, M. (2011). Student Voice And The Possibility Of Radical Democratic Education. Educational Philosophy And Theory, 43(2), 123–135.
[3]. Freire, P. (2000). Pedagogy Of The Oppressed. Continuum.
[4]. Galtung, J. (1996). Peace By Peaceful Means. Sage.
[5]. Gilligan, C. (1982). In A Different Voice. Harvard University Press

Abstract: This study examines the cultural resilience of the Juang tribe of Odisha within the context of modernization, ecological change, and socio-economic transformation. Using qualitative secondary data and sociological frameworks such as cultural ecology, structuration theory, functionalism, and social-ecological resilience theory, the paper analyzes how the Juang preserve indigenous identity through adaptive practices, communal institutions, ecological...

Key Words: Juang, Cultural Resilience, Tribal Modernization, Cultural Ecology, Tribal Development, Indigenous Identity

[1]. Being And Time. Heidegger, M. (1962). Being And Time. New York: Harper & Row.
[2]. The Constitution Of Society. Giddens, A. (1984). The Constitution Of Society: Outline Of The Theory Of Structuration. Berkeley: University Of California Press.
[3]. The Social Construction Of Reality. Berger, P. L., & Luckmann, T. (1966). The Social Construction Of Reality. New York: Anchor Books.
[4]. Bose, N. K. (1928). “Marriage And Kinship Among The Juangs.” Man In India, 8(4), 233–242.
[5]. Elwin, V. (1948). “Notes On The Juang.” Man In India, 28(1–2), 1–15.

Abstract: Despite its importance for innovation, problem-solving, and knowledge production, creativity remains difficult to define and assess due to its multidimensional nature. This paper reviews major definitions of creativity and creative writing found in scientific literature, highlighting similarities among them. The study also presents tools used to assess creativity, including process-based, personality-based, and product-based approaches, such as the Torrance Tests of Creative Thinking and the Creative Product Semantic Scale. Finally, it explores pedagogical practices that encourage

[1]. Amabile, T. M. (1996). Creativity In Context. Westview Press.
[2]. Amabile, T. M. (2013). Componential Theory Of Creativity. Harvard Business School.
[3]. Baer, J. (2024). Creativity And Value In Contemporary Research. Cambridge University Press.
[4]. Barbot, B. (2021). The Dynamics Of Creative Writing. Current Opinion In Behavioral Sciences, 27, 96–100.

Abstract: In the study, we reviewed current articles as they relate and connect with the analysis of methods of research. We carried out annotation of articles on current research in this area, synthesizing studies contributing to the body of knowledge in research methods. We analyzed and evaluated 15 peer-reviewed articles of current scholarly research on various research approaches which align with diverse methodologies such as experimental, quasi-experimental design, multiple approaches as opposed to mixed methods, synthesizing research findings, strategies for ensuring......

Keywords: Research approaches; Systematic Review; Strategies; Synthesizing

[1]. Bell, A. B., Distefano, C., & Morgan, G. B. (2010). A Premier On Disseminating Applied Quantitative Research. Journal Of Early Intervention, 32 (5), 370-383. Doi. 10.1177/1053815110389462
[2]. Bernardi L. (2011). A Mixed Methods Social Network Study Design For Research On Transnational Families. Journal Of Marriage And Family, 73 (2011), 788-803. Doi 10.1111/J. 1741-3737.2011.00845x.
[3]. Bleijenbergh, I., Korzilius, H., & Verschuren, P. (2011). Methodological Criteria For Internal Validity And Utility Of Practice-Oriented Research. Journal Of Qual-Quant, 2011 (45), 145- 156. Doi.10.1007/S11135 – 010-9361-5.
[4]. Chamberlain, K., Cain, T., Sheridan, J., & Dupuis, A. (2011). Pluralisms In Qualitative Research From Multiple Methods To Integrated Methods. Journal Of Quantitative Research In Psychology, 8:151-169. Doi:10.1080/14780887.2011.572730.
[5]. Crandell, J. L., Voils, C. I., Chang, Y., & Sandelowski, M. (2011). Bayesian Data Augmentation Methods For The Synthesis Of Qualitative And Quantitative Research Findings. Journal Of Qual-Quant, 2011 (45), 653 – 669. Doi:10.1007/S11135-010-9375-Z.

Abstract: Charles was more than a brother to me; he was a beacon of hope, a rising star in Ghana’s engineering community, and a gentle soul whose laughter filled our home. At just twenty-nine, he had already carved a path of excellence at Promasidor Ghana Limited, where his colleagues admired his diligence and creativity. He was the kind of person who believed that Ghana could rise to greatness through innovation, discipline, and compassion......

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Abstract: This study examined the influence of User-Centered Design (UCD) of Case Management Systems on Child Welfare Outcomes in the United States. A survey research design was adopted for the study. The population consisted of Child Welfare Social Workers and Case Managers in the United States, while a sample size of 200 respondents was selected using snowball sampling technique. Primary data were collected using an electronic questionnaire....

Keywords: Case Management Systems, Child Welfare Outcome, User-Centered Design

[1]. Abujarad, F., Desloge, A., Carlson, K., & Swierenga, S. J. (2018, June). The Importance Of User-Centered Design In Performing Background Checks In Child Care. In International Conference Of Design, User Experience, And Usability (Pp. 149-157). Cham: Springer International Publishing.
[2]. Adidharma, A. F., Shelim, N., Anqita, S. T., & Handayani, P. W. (2024). Designing Indonesian Maternal And Child Health Mobile Applications Using User-Centered Design. Jurnal Sistem Informasi, 20(1), 41-57.
[3]. Ahn, H., Delisle, D., & Conway, D. (2022). Child And Family Services Review (CFSR) And Child Welfare Outcomes In The United States. Journal Of Public Child Welfare, 16(5), 679- 703.
[4]. Bosman, J. (2021, August 21). Building A Case Management System With A User-Centred Design Approach. Openup. Https://Openup.Org.Za/Blog/Building-A-Case-Management-System- With-A-User-Centred-Design-Approach
[5]. Busschers, I., Van Vugt, E. S., & Stams, G. J. J. M. (2016). Case Management For Child Protection Services: A Multi-Level Evaluation Study. Children And Youth Services Review, 68, 169-177

Abstract: The COVID-19 pandemic caused one of the most severe labour market disruptions in recent Indian history, particularly within sectors characterised by high levels of informal employment. While unemployment rates and aggregate employment indicators gradually recovered after the lockdown period, questions remain regarding whether this recovery reflected genuine labour market stabilisation or a structural shift toward more precarious forms of work....

Key Words: Hysteresis, Informal Labour, COVID-19, Labour Market Recovery, Employment Informality, India, Precarious Employment, Dual Labour Market Theory.

[1]. Blanchard, Olivier J., And Lawrence H. Summers. “Hysteresis And The European Unemployment Problem.” NBER Macroeconomics Annual 1986, Edited By Stanley Fischer, Vol. 1, MIT Press, 1986, Pp. 15–90. National Bureau Of Economic Research, Http://Www.Nber.Org/Chapters/C4245.
[2]. Galí, Jordi. “Insider-Outsider Labor Markets, Hysteresis And Monetary Policy.” NBER Working Paper Series, No. 27385, National Bureau Of Economic Research, June 2020, Http://Www.Nber.Org/Papers/W27385.
[3]. Nilsen, Øivind A., And Katrine Holm Reiso. Scarring Effects Of Unemployment. Discussion Paper SAM 26/2011, Department Of Economics, Norwegian School Of Economics, Dec. 2011, Social Science Research Network, Https://Ssrn.Com/Abstract=1972294.
[4]. Gutierrez, Catalina, Et Al. Understanding The Impact Of Economic Shocks On Labor Market Outcomes In Developing Countries: An Application To Indonesia And Mexico. Policy Research Working Paper No. 5283, World Bank, Apr. 2010.
[5]. State Of Working India 2021: One Year Of Covid-19. Centre For Sustainable Employment, Azim Premji University, 2021

Abstract: Background: With the rapid rise of digital technology, countries have experienced remarkable growth across nearly all sectors. Use of digital resources across critical areas such as education, healthcare, job opportunities, and others has streamlined daily life and driven advancements, leading to improved growth and development metrics. However, since access to these digital advancements is not available to all, a divide emerges across genders, regions, and....

Key Words: Digital Divide, Inclusive Development, Healthcare Services, Education, Livelihood

[1]. Afzal, A., Khan, S., Daud, S., Ahmed, Z., Butt, A. (2023). Addressing The Digital Divide: Access And Use Of Technology In Education. Journal Of Social Sciences Review. Retrieved From Https://Doi.Org/10.54183/Jssr.V3i2.326.
[2]. Bajpai, A., Verma, M., Katdare, S. (2025). Digitalizing India: The Ascendance Of E-Commerce And Its Global Economic Impact. A Global Journal Of Humanities. Retrieved From Https://Www.Researchgate.Net/Publication/391127130_DIGITALIZING_INDIA_ THE_ASCENDANCE_OF_E_COMMERCE_ITS_GLOBAL_ECONOMIC_IMPACT.
[3]. Barragan, S. P. And Rincon, A. G. (2025). Digital Divide As An Explanatory Variable For Dropout In Higher Education. International Journal Of Educational Technology In Higher Education. Retrieved From Https://Doi.Org/10.1186/S41239-025-00550-0.
[4]. Baraka, K. (2024). Digital Divide And Social Inequality. International Journal Of Humanity And Social Sciences. Retrieved From
Https://Doi.Org/10.47941/Ijhss.2083.
[5]. Bondanini, G., Giovanelli, C., Mucci, N., Giorgi, G. (2025). The Dual Impact Of Digital Connectivity: Balancing Productivity And Well-Being In The Modern Workplace. International Journal Of Environmental Research And Public Health. Retrieved From
Https://Doi.Org/10.3390/Ijerph22060845.

Abstract: Post-traumatic stress disorder (PTSD) is a debilitating mental health condition that develops following exposure to traumatic events, fundamentally altering the brain’s neurological functioning. Among the most measurable of these changes is an abnormal increase in theta wave activity — electrical brain signals oscillating at 4–8 Hz — particularly in the frontal and parietal regions of the brain. Research consistently shows that increased frontal theta activity is common in individuals who have experienced severe trauma or PTSD, contributing to hypervigilance and emotional dysregulation.
This paper investigates how PTSD drives this elevation in theta wave activity and examines its specific consequences.....

[1]. Annie E. Casey Foundation. (2024, October 30). Youth Mental Health Statistics In 2024. Https://Www.Aecf.Org/Blog/Youth-Mental-Health- Statistics
[2]. Belinda, A., Shalaby, R., Hay, K., Pattison, R., Eboreime, E., Korthuis, M., Wei, Y., & Agyapong, V. I. O. (2024). Prevalence And Predictors Of PTSD And Resilience Among Adolescents And Young Adults: Findings From The Moregooddays Support Program In Alberta, Canada. European Psychiatry, 67(S1). Https://Doi.Org/10.1192/J.Eurpsy.2024.637
[3]. Clarity Medical. (2025, March 8). Understanding Delta & Theta Activity And How EEG Plays An Important Role In Diagnostics. Https://Clarity- Medical.Com/Blogs/Updates/Understanding-Delta-Theta-Activity-And- How-Eeg-Plays-An-Important-Role-In-Diagnostics
[4]. Etami, Y., Lildharrie, C., Manza, P., Wang, G., & Volkow, N. D. (2023). Neuroimaging In Adolescents: Post-Traumatic Stress Disorder And Risk For Substance Use Disorders. Genes, 14(12), 2113. Https://Doi.Org/10.3390/Genes14122113
[5]. Herringa, R. J. (2021). Posttraumatic Stress Disorder And The Developing Adolescent Brain. Biological Psychiatry, 89(2), 144–151. Https://Doi.Org/10.1016/J.Biopsych.2020.06.001

Abstract: The article analyzes the notion of embodied fragility, and the concept of pater familias in Michele Robert's novel In the Red Kitchen through the framework of feminist theory. This research examines the role of the paternal figure by providing a historical basis from the Ancient Roman period, focusing on how patriarchal power governs women's bodies, shapes their subjectivity, and defines their social positions. In this context, the concept of pater familias is regarded not only as a hierarchical structure inside the family but also as an ideological.....

Key Word: fragility; pater familias; subordination; silence; subversion

[1]. Beauvoir, Simone De. The Second Sex. Translated By H.M. Parshley, Vintage Books, 1989.
[2]. Dixon, Suzanne. Reading Roman Women: “Sources, Genres And Real Life.” 2001.Print.
[3]. Firestone, Shulamith. The Dialectic Of Sex: The Case For Feminist Revolution. William Morrow, 1970.
[4]. Fraschetti, Augusto, Editor. Roman Women. University Of Chicago Press, 2001. Print.
[5]. Gardner, Jane F. Family And Familia İn Roman Law And Life. Clarendon Press, 1998. Print..

Abstract: The Planning, Attention, Simultaneous, and Successive (PASS) model of intelligence offers a multidimensional perspective on human cognitive processes, drawing foundationally from A.R. Luria’s theory of brain function. This paper reviews the theoretical underpinnings of the PASS model, emphasizing its basis in Luria's three functional units of the brain and the subsequent evolution of the theory by Das, Naglieri, and colleagues. The model delineates.....

Keywords: PASS Model, Intelligence, Luria’s functional unit, Information processing approach

[1]. Aston-Jones, G., & Cohen, J. D. (2005). An Integrative Theory Of Locus Coeruleus–Norepinephrine Function: Adaptive Gain And Optimal Performance. Annual Review Of Neuroscience, 28, 403–450. Https://Doi.Org/10.1146/Annurev.Neuro.28.061604.135709
[2]. Aysto, K. T., & Hanninen, T. (2003). Successive Processing And Memory: A Cognitive Neuropsychological Perspective. Cognitive Neuropsychology, 20(6), 643–657. Https://Doi.Org/10.1080/02643290342000464
[3]. Berridge, C. W., & Waterhouse, B. D. (2003). The Locus Coeruleus–Noradrenergic System: Modulation Of Behavioral State And State-Dependent Cognitive Processes. Brain Research Reviews, 42(1), 33–84. Https://Doi.Org/10.1016/S0165-0173(03)00143-7
[4]. Das, J. P., Naglieri, J. A., & Kirby, J. R. (1994). Assessment Of Cognitive Processes: The PASS Theory Of Intelligence. Allyn & Bacon.
[5]. Das, J. P., Naglieri, J. A., & Kirby, J. R. (1995). Planning, Attention, Simultaneous, And Successive Cognitive Processes As A Model For Cognitive Assessment. In D. Saklofske & M. Zeidner (Eds.), International Handbook Of Personality And Intelligence (Pp. 209–225). Springer..

Abstract: While parenting undeniably shapes child development, the long-term echoes of early caregiving on adult resilience and self-compassion remain under-examined. This study investigated whether self-compassion serves as a developmental bridge between retrospective parenting perceptions and adult resilience in a sample of 99 adults. Using a cross-sectional design, we found that authoritative parenting from both mothers and fathers significantly predicted adult resilience (r = .36 for both). Self-compassion was found to partially mediate this relationship, accounting.....

Keywords: parenting styles, self-compassion, resilience, authoritative parenting, intergenerational transmission

[1]. Baron, R. M., & Kenny, D. A. (1986). The Moderator-Mediator Variable Distinction In Social Psychological Research: Conceptual, Strategic, And Statistical Considerations. Journal Of Personality And Social Psychology, 51(6), 1173-1182. Https://Doi.Org/10.1037/0022-3514.51.6.1173
[2]. Baumrind, D. (2013). Authoritative Parenting Revisited: History And Current Status. In R. E. Larzelere, A. S. Morris, & A. W. Harrist (Eds.), Authoritative Parenting: Synthesizing Nurturance And Discipline For Optimal Child Development (Pp. 11-34). American Psychological Association. Https://Doi.Org/10.1037/13948-002
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Https://Doi.Org/10.1207/S15327752jpa5701_13.