IOSR-JHSS   Volume-23 ~ Issue-11 ~ November -2018

Abstract: Planning Commission (2009) defined Financial Inclusion as universal access to a wide range of financial services e.g. savings, credit, insurance, pension and financial literacy to the disadvantaged section of society at a reasonable cost. The rationale behind it being securing better standard of living and income for all. With regard to financial Inclusion, the North east Region has been lacking behind the rest of the states in India. In fact, recognizing the special requirement of the region and the need for government intervention, North East India has been recognized......

Key words: Financial Inclusion, PMJDY, PMJJBY, PMBSY, APY

[1]. Meera M.R, Kaleeswaran. P and Gurunandhini.R (2017), Financial Inclusion through Pradhan Mantri Jan-Dhan Yojana (PMJDY) Scheme, Asian Journal of Managerial Science, Vol. 6 No. 1, ISSN: 2249-6300, pp.10-14 © The Research Publication, www.trp.org.in
[2]. Pillai.J.T (2016), Financial Inclusion and Pradhan Mantri Jan Dhan Yojana: An Empirical Study Conducted in the villages of Mulshi Taluka in Pune District, Indian Journal of Science and Technology, Vol 9(45), DOI: 10.17485/ijst/2016/v9i45/106755
[3]. State Bank of India, Lead bank office (2017) State Level Bankers' committee meeting for Mizoram, Aizawl
[4]. Ministry of Finance, Govt. of India ( 2017July), PMJDY Progress Report. Retrieved from https:// www.pmjdy.gov.in/statewise statistics

Abstract: Resilience is a term used to describe a set of qualities that foster a process of successful adaptation and transformation despite risk and adversity (Benard, 1995). Among the underprivileged youth only a few bright students are lucky enough to graduate from school and even college. But these students face lot of challenges in adapting themselves in higher education campus. Higher education institutions must play a critical role in fostering resilience for underprivileged youth students. The admission of disadvantaged groups to educational and training programmes is part of the wider concern of promoting their resilience building. There are various factors that hinder their promotion in educational institutions like attitude of other students, mental hurdles, inability to balance tradition and modernity..............

Key words: Principal& Head Department of Social Work, Nazareth College of Arts & Science, Chennai.

[1]. HIGHER EDUCATION IN INDIA. Access, Equity, Quality. Obadya Ray Shaguri, EAN World Congress Scholar 2013
[2]. http://www.insightsonindia.com/2015/08/11/5-critically-comment-on-the-major-challenges-facing-higher-education-in-india-and-measures-needed-to-overcome-them/

Abstract: Commercial websites are a form of internet advertising which is formed by companies as an advertising tool hosting many forms of online advertisement to promote products and services. Researchers and practitioners have equally agreed on the abilities of a commercial website as an advertising instrument that offers unlimited potential and benefits. This study sought to investigate consumers‟ uses and gratifications obtained from commercial websites advertising in Kenya. The study employed descriptive research design. Purposive sampling procedure was used to sample Nairobi. Random sampling was used to sample Kenyan 384 commercial websites users with a from a target population of one million users. A pilot study was carried in Thika town to establish reliability and validity of the research instruments. The researcher used Cronbach Alpha co-efficient to test the reliability of the instruments.......

Keywords: Advertising, Gratification, Website.

[1]. Allen, K., & T Gray, R. (2014). Social Media Use and Social Connectedness. Positive and the Potential Pitfall,Educational and development, 18-31. Retrieved from http://strengthsphoenix.com/wp-ontent/uploads/2014/09-adolescents-the-positive-and-` potential-pitfalls.pdf
[2]. Angleman, S. (2000). Uses and gratifications and Internet profiles. A factor analysis. Is Internet use and travel to cyberspace reinforced by unrealizedOnline Shopping.Retrieved from http://www.cnbc.com
[3]. Atheunis, S. (2013). Uses and gratifications and Internet profiles. (R. NV, Ed.) A factor analysis. Is Internet use and travel to cyberspace reinforced by /unrealized.
[4]. Bellman, K.L. & Jonson,H.(2000). Antecedents to Internet-Based Purchasi. Consumer Acceptance of Products in Electronic Markets.
[5]. Berthon, E. A. (1996). Perspectives on Marketing communications and Buyers Behaviors on the Web. Journal of Advertising, 15, 287-301.

Abstract: The purpose of this study was to assess the effect of socio-economic determinants on nutritional status of under five children in rural Bangladesh. For this, the study used surveydesign to collect data frompurposively selected 136 samples of under five children in Chandani Mahal which is one of the most notable, industrialized and advanced village of Senhati Union of DighaliaUpazila under Khulna division of Bangladesh. The findings of the study explicatethe mean age of the child mother is about 18 years and (83%) participant were Muslims. Most of the participant (78.7%) belong to nuclear family living in only one roomed house with more than four persons. (9%) mother is suffering from chronic energy deficiency or thinness and (22.8%) are overweight. The assessment of nutritional status using indicator such as stunting, wastingand underweight and MUAC for children shows that (22.8%), (19.9%), and (26.5%) were severely stunted, wasted and underweight respectively..........

[1] WHO.2002. Global strategy for infant and young child feeding. WHA 55/15, April 2002.
[2] BBS and UNICEF. 2007. Child and Mother Nutrition Survey 2005. Bangladesh Bureau of Statistics and UNICEF. Dhaka, Bangladesh

[3] Mitra S.N., A. Al-Sabir, A.R. Cross, and K. Jamil. 1997. Demographic and Health Survey, 1996-1997. Dhaka and Calverton, Maryland: National Institute of Population Research and Training (NIRPORT), Mitra and Associates, and Macro International Inc.
[4] FAO.2010. Nutrition Country Profiles: Bangladesh. Accessed on January 5, 2014, Retrieved from (ftp://ftp.fao.org/es/esn/nutrition/ncp/BGDmap.pdf.)
[5] UNICEF.2010.Child and Maternal Nutrition in Bangladesh. Accessed on January 1, 2014, Retrievedfrom(http://www.unicef.org/bangladesh/Child_and_Maternal_Nutrition.pdf.)

Abstract: Nigeria is generally considered the giant of Africa. There are so many different aspects of this recognition within the global spectrum. In view of this, the might of the state cannot be debated but it is also not beyond reproach. The study below portrays some of these aspects considering corruption, mismanagement of funds in Nigeria. Nigeria has attained record levels in mismanagement, bribery and corruption. The wealth of Nigeria comes mostly from its resources, petroleum products being the largest resource the country is endowed with. Accounting for over 90% of the GDP, Nigeria is Africa's largest exporter of petroleum products and a prominent member within the global trade.........

Keywords : Corruption, bribery, embezzlement, Fraud, Mismanagement, Natural resources.

[1]. Africatech ,(2017) Nigerian ex-oil minister charged with Money Laundering: Crimes agency viewed at https://af.reuters.com/article/topNews/idAFKBN1780MD-OZATP
[2]. Ikpeze, N (2013(, Fusion of Anti-corruption Agencies in Nigeria A critical Appraisal, journal of sustainable Development Law and Policy Vol 1 viewed https://www.ajol.info/index.php/jsdlp/article/viewFile/140528/130269
[3]. Kamorudeen, A., Bidemi, S. A. (2012). Corruption in the Nigerian public health care delivery system. Sokoto Journal of the Social Sciences, 2(2), 98–114
[4]. Moyosore, S. O. (2015). Corruption in Nigeria: Causes, Effects, and Probable Solutions. Journal of Political Science and Leadership Research, 1(8), 2504–883.
[5]. Nnamdi, N, David, A and Okechukwu, O. (2014), A Review of Anti-Corruption Wars in Nigeria.Viewed https://www.researchgate.net/publication/312672162_A_Review_of_Anti-Corruption_Wars_in_Nigeria

Abstract: Money laundering is the act of placing, transferring, paying, spending, granting, donating, entrusting, carrying out the country, exchanging or other actions for the asset he knows or deserves to be suspected as the result of a criminal act with the intention of hiding or disguising the origin of the assetso as though become a legitimate asset. In order to prevent the occurrence of money laundering action, Laws Number 25 of 2003 concerning Amendment to Laws Number 15 of 2002 concerning Money Laundering Crime, then the government established Indonesian Financial Transaction Reports and Analysis Center (INTRAC),Pusat Pelaporan Analisis dan Transaksi Keuangan which later popularly called as PPATK. This institution is an independent institution that has the duty.........

Keywords : The role of PPATK, preventing, eradicating, money laundering.

[1]. Adrian Sutedi. 2007. Hukum Perbankan Suatu Tinjauan Pencucian Uang,Merger, Likuidasi, dan Kepailitan. Jakarta: Sinar Grafika
[2]. Adrian Sutedi. 2008. Tindak Pidana Pencucian Uang. Bandung: Pt. Citra Aditya Bakti.
[3]. Amin Widjaja Tunggal. 2014. Pencegahan Pencucian Uang (Money Laundering Prevention). Jakarta: Harvarindo.
[4]. Andi Hamzah. 1996. Hukum Pidana Ekonomi. Jakarta: Erlangga
[5]. Arief Amrullah. 2004.Tindak PidanaPencucianUang MoneyLaundering.Malang: Bayumedia

Abstract: This paper examines the linguistic landscape of Qazvin. The subject of the analysis isthe impact of the English language as an international communication agent on the linguistic landscape ofthis city.Iran hasits language policy aims to preserve the national language, i.e., Farsi, however, the process of globalization has its impact on each countryand the role of English in the linguistic landscape is becoming increasingly important. This paper studies the role of English on commercial storefronts of Qazvin and discusses the way people use English based on their preferences of the language policy..

Keywords : Linguistic landscape, language policy, Qazvin

[1]. Ben-Rafael, E.,&Shohamy, E.,& Amara, M.,&Trumper-Hecht, N. (2006). Linguistic landscape as symbolic construction of the public space: the case of Israel. International journal of multilingualism. Vol 3.
[2]. Cenoz, J., &Gorter, D. (2008). The linguistic landscape as an additional source of input in Second language acquisition. International Review of Applied Linguistics in Language Teaching, 46(3), 267-287. doi:10.1515/IRAL.2008.012.
[3]. Dagenais, D., Moore, D., Sabatier, C., Lamarre, P., &Aramand, F. (2009). Linguistic landscape and language awareness. In E. Shohamy& D. Gorter (Eds.), Linguistic landscape: Expanding the scenery. pp. 253-269.NY: Routledge.
[4]. Huebner, T. (2009).A Framework for the Linguistic Analysis of Linguistic Landscapes. In Shahomy, E. &Gorter, D. (eds)
[5]. Leeman, J., &Modan, G. (2009). Commodified language in Chinatown: A contextualized

Abstract: Family, regardless of development and social structure, constitutes the basic structure of each society. Family law is a branch of law within the scope of civil law, which deals with family issues, the main subjects of engagement, the conditions and provisions of marriage, the conditions and consequences of divorce, property regimes, family housing, genealogy, adoption, custody, the right of child support It regulates rights such as guardianship and trustee. In Article 240 of the Turkish Civil Code, the rights of the surviving spouse, family dwelling and household goods can be demanded. This arrangement gives the surviving spouse........

Keywords : Family and Marriage Union, Family Residence, Death, Real Rights, Civil Law in Turkey

[1] Z. Zeytin, Edinilmiş Mallara Katılma Rejimi ve Tasfiyesi, p.242. (Seçkin Yayın evi: Ankara).
[2] N. Moroğlu, Medeni Kanun'da Mal Rejimleri, p.129, İstanbul, 2002.
[3] G. Kapusuz, Mal Rejimleri Ve Miras Hukuku'nda Aile Konutu, p. 24. Marmara Üniversitesi Sosyal Bilimler Enstitüsü, Yüksek Lisans Tezi, İstanbul, 2010.
[4] G. Kapusuz, Mal Rejimleri Ve Miras Hukuku'nda Aile Konutu, p.25. Marmara Üniversitesi Sosyal Bilimler Enstitüsü, Yüksek Lisans Tezi, İstanbul, 2010.
[5] F. Acar, Aile Hukukunda Mal Rejimleri ve Yasal Miras Payı, p. 165. (Seçkin Yayın evi: Ankara, 2007).

Abstract: Aims and Objectives: The aim of the present study is to identify the factors that can determine the poverty status of the tea garden labour community. Methodology: To identify the sample household's poverty status the state specific rural poverty line as fixed by the Rangarajan Committee of Planning Commission of India (2014) is used. A Logistic regression model is used to identify the main determinants of poverty of the sample households. Results: The results show that the household size, education of the head of the household, employment status of the head of the household and the number of earning members in the household are the main determinants of poverty of the tea garden labour community. Conclusion: The policymakers should give importance on access to education, employment opportunities and should also made effort to encourage smaller family size to reduce poverty.

Keywords : Poverty, Tea Garden Labour, Dibrugarh, Assam

[1]. Abuka, C. A., Ego, M. A., Opolot, J., & Okello, P. (2007). Determinants of poverty vulnerability in Uganda. Discussion Paper No. 203. Institute for International Integration Studies.
[2]. Awepoju, S. O. (2012). Determinants of poverty status among households in Nigeria" (Master Thesis). Retrieved from, http://szd.lib.uni-corvinus.hu/.
[3]. Biyase, M., & Zwane, T. (2017). An empirical analysis of the determinants of poverty and household welfare in South Africa". Journal of Developing Areas. Tennessee State University, College of Business, vol. 52(1), pages 115-130, January-M.
[4]. Deressa, T. K., & Sharma, M.K. (2014). Determinants of poverty in Ethiopia. Ethiopian Journal of Economics, Ethiopian Economics Association, vol.23(1),September.
[5]. Majeed, M. T., & Malik, M. N. (2014). Determinants of household poverty: empirical evidence from Pakistan". MPRA Paper No. 57744. University Library of Munich, Germany..

Abstract: The Vinaya pitaka is the sacred literature of the Buddhists which contains the regulations for the outward life of the members of the Buddhist samgha - nearly the oldest, and probably the most influential, of all fraternities of monks. Unlike the primarily prescriptive Brahmanical law codes, the vinayas contain narrative portions, commentaries, and casuistries, albeit to different degree. 1Law in the Vinaya texts highlighted as - 1) a body of rules considered binding on a particular political or social unit, and the principle of justice underlying in it. 2) A code or canons of such rules. 3) Institutions and practices for the creation and application of such rules and for of disputes. 4) laws also includes.....

[1]. T. W RhysDavids And Hermann Oldenberg, VinayaTexts-Translated from Pāli, vol I, Charles Scribner's Sons, New York, 1899.
[2]. T. WRhysDavids And HermannOldenberg, VinayaTexts-Translated from Pāli, vol II, At The Clarendon Press, Oxford, 1882.
[3]. T. WRhysDavids And HermannOldenberg, VinayaTexts-Translated from Pāli, vol III, At The Clarendon Press, Oxford, 1885..