IOSR-JEF   Volume-16 ~ Issue-3 ~ May – Jun. 2025

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Alshahrani, A., Azad, M. A. K., Alzahrani, B. A., & Alzahrani, A. (2021). Security Requirements And Challenges Of Iot-Based Smart City: A Systematic Review. Sensors, 21(22), 7784.
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Shava, G. N., & Heystek, J. (2021). Distributed Leadership As A Mechanism For The Development Of Teacher Leadership In Secondary Schools. South African Journal Of Education, 41(4), 1–9.
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Jiao, X., Yin, Y., Shang, L., Jiang, X., Chen, X., Li, L., Wang, F., & Liu, Q. (2020). A Comparative Study Of Knowledge Distillation Techniques For Neural Language Models. Arxiv Preprint Arxiv:1910.01108.
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Sufian, F., & Habibullah, M. S. (2010). Efficiency Of The Banking Sector In A Developing Economy: The Case Of Malaysia. Journal Of Economic Cooperation And Development, 31(1), 1–48.
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Gaikwad, S. B., & Chavan, S. R. (2021). Digital Transformation In Indian Banking Sector–Customer Awareness And Satisfaction. International Research Journal Of Humanities And Interdisciplinary Studies (IRJHIS), 2(6), 1–6.

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Aytaç, D., & Güran, M. C. (2011). The Relationship Between Electricity Consumption, Electricity Price And Economic Growth In Turkey: 1984-2007.
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Berndt, E. R., & Samaniego, R. (2004). Residential Electricity Demand In Mexico: A Model Distinguishing Access From Consumption. Land Economics, 60(3), 268–277. Https://Doi.Org/10.2307/3146187
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Dang, D. A., & La, H. A. (2019). Does Electricity Reliability Matter? Evidence From Rural Viet Nam. Energy Policy, 131, 399-409.

[1] Goel, S., & Kumar, R. (2016). Analysis Of Cash-Deposit Ratio & Credit Deposit Ratio Of Public Sector Banks In India. International Journal Of Research In Management, Science & Technology, 4(2), 72–74.
[2] Ramchandani, K., & Jethwani, D. (2017). Impact Of Credit Deposit Ratio (CDR) On Bank Profitability: Evidence From Scheduled Commercial Banks Of India. KAAV International Journal Of Economics, Commerce & Business Management, 4(4), 183–190.
[3] Narayana, D. (2003). Why Is The Credit-Deposit Ratio Low In Kerala? Economic And Political Weekly, 38(41), 4355–4358.
[4] Ibrahim, M. S. (2009). Credit Deposit Ratio And Net Interest Margin (NIM) Of Indian Commercial Banks–An Analysis. SMART Journal Of Business Management Studies, 5(2), 27–38.
[5] Sura, D. J. S. (2006). Efficacy Of Regional Rural Banks (Rrbs) In India: A Conventional Analysis. JIMS-8M: The Journal Of Indian Management And Strategy, 11(4), 4–12

[1] Abbas, Z., Afshan, G., & Mustifa, G. (2022). The Effect Of Financial Development On Economic Growth And Income Distribution: An Empirical Evidence From Lower-Middle And Upper-Middle Income Countries. Development Studies Research, 9(1), 117-128.
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[3] Ali, H. S., Et Al. (2023). Examining The Nonlinear Relationship Between Financial Development And Economic Growth In Emerging Markets, Focusing On Sub-Saharan African Countries. (Threshold Autoregressive Model Study).
[4] Allen, F., & Santomero, A. M. (1996). The Theory Of Financial Intermediation. Retrieved From Https://Ssrn.Com/Abstract=7716

[1] Aftab, J., Abid, N., Sarwar, H., & Veneziani, M. (2022). Environmental Ethics, Green Innovation, And Sustainable Performance: Exploring The Role Of Environmental Leadership And Environmental Strategy Journal Of Cleaner Production, 378:134639.
[2] Awino, Fb & Apitz, Se. (2024). Solid Waste Management In The Context Of The Waste Hierarchy And Circular Economy Frameworks: An International Critical Review. Integrated Environmental Assessment And Management, 20(1), 9-35.
[3] Begum, H.& Alam, A F. (2023). Structural Relationship Between Techno-Finance And Waste Management Treatment (Wmt) For Re-Designing Sustainable Production: Case Study Of Palm Oil Mills In Malaysia; Handbook Of Sustainability Science In The Future: Policies, Technologies And Education By 2050:1537-1556.
[4] Chowdhury, S., Dey, P. K., Rodríguez-Espíndola, O., Parkes, G., Tuyet, N. T. A., Long, D. D., & Ha, T. P. (2022). Impact Of Organisational Factors On The Circular Economy Practices And Sustainable Performance Of Small And Medium-Sized Enterprises In Vietnam. Journal Of Business Research, 147: 362-378.
[5] Comber, R & Rossitto, C. (2023), . Regulating Responsibility: Environmental Sustainability, Law, And The Platformisation Of Waste Management. In Proceedings Of The 2023 Chi Conference On Human Factors In Computing Systems 1:19.

[1]. Bell, Emma, Bill Harley, And Alan Bryman. Business Research Methods. Oxford University Press, 2022.
[2]. Chen, Z., Strebulaev, I. A., Xing, Y., & Zhang, X. (2021). Strategic Risk Shifting And The Idiosyncratic Volatility Puzzle: An Empirical Investigation. Management Science, 67(5), 2751-2772.
[3]. Creswell, J.W. (2012). Qualitative Inquiry And Research Design: Choosing Among Five Approaches. 3rd Edition. Lincoln, NB: Sage Publications. 27. Creswell, J.W. (2014). Research D
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[5]. Fama, Eugene (1970), "Efficient Capital Markets: A Review Of Theory And Empirical Work," Journal Of Finance, 25, 383-417.

[1] World Bank Reports
[2] Imf Regional Outlook: Asia And Pacific
[3] Indian Ministry Of Finance Annual Review
[4] Pakistan Economic Survey
[5] Sipri Military Expenditure Database

[1] Ainia, N. S. N., & Lutfi, L. (2019). The Influence Of Risk Perception, Risk Tolerance, Overconfidence, And Loss Aversion Towards Investment Decision Making. Journal Of Economics, Business, & Accountancy Ventura, 21(3), 401–413.
[2] Alvia, L., & Sulistiawan, D. (2010). The Examination Of Recency And Knowledge Effect In Investment Decision Making: An Experimental Study. Indonesian Journal Of Accounting Research, 13(1), 45– 58.
[3] Amirrudin, M., Nasution, K., & Supahar, S. (2021). Effect Of Variability On Cronbach Alpha Reliability In Research Practice. Jurnal Matematika, Statistika Dan Komputasi, 17(2), 223–230.
[4] Brown, J. D. (2002). The Cronbach Alpha Reliability Estimate. JALT Testing & Evaluation SIG Newsletter, 6(1).
[5] Bruner, J., Calegari, F., & Handfield, T. (2020). The Evolution Of The Endowment Effect. Evolution And Human Behavior, 41(1), 87–95.

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