IOSR-JHSS   Volume-24 ~ Issue-2 ~ February -2019

Abstract: Organisation for Economic Co-operation and Development (OECD) defined financial literacy as "the process by which financial consumers/investors improve their understanding about the financial products, concepts, risk and through information, instructions and/or objective advice, develop the skills and confidence to become more aware of financial risks and opportunities to make informed choices, to know where to go for the help, and to take other effective actions to improve their financial well-being". The research aimsto study the financial behaviour of self- employed and thus have an insight on the level of financial literacy in Aizawl city. Purposive sampling was employed among those who are self-employed in 5 localities in Aizawl city. It is found that the level of financial literacy is very low in the study area. There is therefore a need to address this issue.

Key Words: Financial Literacy, Self-employed, Financial behaviour

[1]. Agencies, 2012, "IRDA to develop mechanism for faster approval of policies.‟ The Financial Express, 26th September, pg 5
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Abstract: Life Insurance is an important economic security programme. Even though life insurance started in India in 1881,the life insurance penetration in India is very low. The possible explanation to the life insurance penetration is demographic ,social, economic and behavioural factors. The present study is to examine the impact of these factors on life insurance penetration. Study revealed that demographic, socio-economic and behavioural variables have an impact on life insurance penetration.

Keywords: Household, Penetration.

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Abstract: The word "Famine", derived from the Latin word, famines affected more severely different regions of India during the British rule. We are aware that natural calamities including drought, crop failure, flood etc. cause famines. Thus the aim of our present study is, therefore, to give a complete and analytical picture of famines in Murshidabad during the British rule. Before the establishment of the East India Company's rule in Bengal, Murshidabad had been one of the prosperous and richest places of India. The famine of 1770 was an appalling spectre on the threshold of British.......

Key Words: Famine, Battle of plassey, rehabilitation, committee report.

[1]. Amartya, Sen,Proverty and Famines: An Essay on Entitlement and Deprivation. Oxford University Press, New Delhi.1999 p-45
[2]. Khan Mohammad Mohsin, A Bengal District in Transition, Murshidabad, 1765-1793, Asiatic Society of Bangladesh, Dacca,1973, p. 72
[3]. Narendra Krishna Sinha, The Economic History of Bengal: From Plassey to Permanent Settlement (vol-II) K.L.M Calcutta, 1962 p-48
[4]. Khan Mohammad Mohsin, A Bengal District in Transition, Murshidabad, 1765-1793, Asiatic Society of Bangladesh, Dacca,1973, p.67
[5]. Khan Mohammad Mohsin, A Bengal District in Transition, Murshidabad, 1765-1793, Asiatic Society of Bangladesh, Dacca,1973, p.p-72,73.

Abstract: Human trafficking in Nigeria has metamorphosed into an exceptionally alarming insecurity issue. It is contemporary day slavery which could be internal or cross-border. The use of Strategic Spiritual Intelligence, Counter - Strategic Spiritual Intelligence and Counter – counter Strategic Spiritual Intelligence by the perpetrators and their kingpins on their victims is worrisome. This paper appraises National Agency for the Prohibition of Traffic in Persons (NAPTIP) and the impact of Strategic Spiritual Intelligence (SSI) on its efficacy in the fight against human trafficking. The objective of this work is to appraise NAPTIP and examine the concept of SSI in relation to Security operations...........

Keywords: Human trafficking, Strategic Spiritual Intelligence, Poverty and NAPTIP

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[3]. Adepelumi, P. (2015). The Root Causes of Human Trafficking in Nigeria [Ebook] (pp. 4-5).
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[5]. Afolabi, Muyiwa B. (2018), Introduction to Intelligence and Security Studies; A Manual for the Beginners. Lagos: Admoft Mega Ventures. ISBN: 978-978-942-455-9

Abstract: Education 4.0 not only plays an important role of language learning and teaching in Thailand recently, but also suggests a new and challenging role of educators in developing learners' abilities to apply the new technology for their learning. Due to the changes of educational principle in Thailand, language learning needs to be evolved from traditional methods with innovative tools designed to best fit learners' needs. A new and popular form of language learning is through applications on a mobile device. While there are a large number of applications available for language learning, it is not clear to what extent the applications can help develop language learning. This study........

Key Words: Applications, Education 4.0, Language learning, Mobile learning

[1]. Bunchutrakun, C., Lieungnapar, A., Wangsomchok, C., &Aeka, A. (2016), A corpus-based approach to learning a tour guide talk,International Journal of Humanities, Arts and Social Sciences, Vol.2, No.2, Pp. 58-63.
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University of Nottingham.
[4]. Wang, B. T. (2017). Designing mobile apps for English vocabulary learning,International Journal of Information and Education Technology, Vol. 7, No.4, Pp.279-283,doi: 10.18178/ijiet.2017.7.4.881
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Abstract: Since these risks are not limited to the information technology and online environments, such as information systems and information networks, we must consider ways to approach and protect the ultimate problems, not just the system, but the problem of human survival, privacy, and happiness. In other words, we consider the environmental approach as a way to prevent multidimensional risk in the hyper digital risk society and to protect human fundamental rights. Environmental rights are the most modern solution to protect people from external factors and guarantee their rights..

Key Words: Digital Risk Response Policy, Environmental Approach, Hyper Digital Risk Society, Human Survival, Human Fundamental Rights

[1] Ahn, Young-hoon (2010), "Activation of the National Disaster Risk Assessment System (NRA) to Enhance Disaster Response Capability", World & Cities Vol.7. No.3, pp. 26-33
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Abstract: This study was conducted to assess teachers' level of job satisfaction, specifically in three areas (salary, social benefits and leadership or supervision practices). Descriptive survey research design was employed with both quantitative and qualitative method. The participants of the study were 33 more experienced teachers (having 9 or more years of experience in teaching) and 32 less experienced teachers (having less than 9 years of experience in teaching), 4 school principals and 4 supervisors. The selection of teachers was made using stratified random......

Key Words: Job satisfaction, Preparatory schools, Social benefits, fringe benefits

[1]. Ayalew Shibeshi (2000). The Impact of federalization on education in Ethiopia (1991-1998). Addis Ababa (Unpublished).
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Abstract: Uwezo Fund has been providing some business training to the fund beneficiaries namely, youths, women and persons with Disabilities (PwDs) in Isiolo County in order to enhance their business competencies. Despite of the Uwezo Fund beneficiaries having received business training input, the County experienced low loan utilization, poor enterprise performances and low repayment of loans. Therefore, effect of business training inputs on business attitudes of Uwezo Fund beneficiaries in Isiolo County was investigate. The study adopted descriptive survey design with purposive sampling. Census techniques was used to cover all the beneficiary trainees of Uwezo Fund. Using structured questionnaires.......

Key Words: training inputs, attitudinal changes, training needs analysis

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Abstract: African philosophy, from its very inception till now, has been grappling with rationality debate. The questioning of Eurocentric discourse and sifting out an inherent contradiction in their arguments. Falsifying wrong perceptions about Africans is not wrong by itself, but too much excessive reliance and explication of western discourses helps at best Europeans than Africans. This article is an attempt toward challenging this philosophical orientation. It argues that dealing with deconstructive mindset is part of doing philosophy; rather than doing philosophy. African philosophy, to live up to its name, must reconstruct itself with African cultures. The paper stresses that philosophy is culturally bounded, and thus, the edifice of African philosophy is impossible without African world view. It concluded by saying that intra-dialogue among Africans leads toward rational intercultural dialogue........

Key Words: Philosophy, rationality, Eurocentric, African world view, intra-dialogue, intercultural-dialogue

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Abstract: This study evaluated driver's perception of safety belt usage in Ilorin metropolis, kwara state. The study incorporated drivers and officials of Federal Road Safety Commission (FRSC). The population of this study includes; sixty (60) drivers and (30) FRSC officials were selected randomly. Data were collected from primary sources of data through well-structured questionnaires that incorporated questions such as seat belt ability to save lives, driver's compliance with seat belt usage, effect of driving distance on driver's compliance with seat belt usage and frequency of penalty for safety belt violation were administered to respondents. Furthermore, personal interview was carried out on respondents. Data were subsequently analyzed using chi-square. The results revealed that driver's perception......

Key Words: Drivers perception, Safety belt, driver's compliance, Traffic Offenders.

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[4]. Cunill, M., Gras, M. E., Oliveras, Planes, M., &Sullamn, M. J. M. (2004a). An investigation of factors reducing seat belt use among Spanish drivers and passengers on urban roads.Accident Analysis and prevention. 36, 439 – 445.

Abstract: Present scenario tasar culture suffer great loss of crop due to diseases in tune of 20% to 50%.The present communication accounts of viral, fungal &bacterial infection very prominent in the tropical tasar silkworm. Antheraea mylitta D are economic character of tasar. The result obtained have clearly revealed that the effective of cocoon weight, shell weight, shell ratio and rate of rearing and filament length and size of tasar silkworm. Thus the impact of disease has been found of serious nature affecting metabolic processes and productivity, quality of tasar cocoons as well as the quality of tasar silk yarn during the seed crop and commercial crop seasons. The result obtained by very much in confirms with the earlier work carried out by Jolly et al.(1984). Chowdhury (1965), Sharma & Ambastha (2012). Sharma & Ranjan (2002)..

Key Words: Antheria mylitta D., tropical tasar silk worm, filament length & size, virosis, Bacteriosis.

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Abstract: It is a stylized fact in economics that natural resources are harmful for economic development. Still, one can find several examples of natural-resource based development. This apparent paradox reflects an unsatisfactory conceptualization of natural resources. This paper suggests a new evolutionary-institutional approach to studying natural resources and their role in economic development with focus on learning and linkage dynamics. The paper reviews the literature with a focus on the underlying perception of natural resources as the key for understanding its shortcomings. Most approaches perceive natural resources as finite and exogenous to the economic system. These assumptions constitute the pillars of the law of diminishing returns which inter alia states that natural resources cannot lead development. Others argue that natural resources are endogenous to the economy and can develop important dynamic linkages. The paper elaborates on the latter and suggests that in order to understand the role of natural resources in economic development, they must be understood as dynamic, and as being subject to processes of natural resource creation, extension and obsolescing that are characterised by learning and capability building

Key Words: Natural resources; Innovation; Development; Resource curse; Linkages, Structural change

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Abstract: Out of 28 countries, India ranked 23rd position in literacy scale digital financial data released in Financial Literacy and Education Summit in the year 2012. This reveals the information of level of financial
literacy in the nation. Different sectors at their own level trying their best to improve their functioning to cope with the updated technology. There is no doubt that the banking sectors are trying their best to utilize their every function through digital platform but still lot of efforts need to be taken by the financial institution for making every individual of the country making more aware for digital financing. Based upon the various steps undertaken the government for digitization, this study is being quite unique by considering the different steps and assumption of present condition in financial market of India. Modi Government decision for Demonitisation to Digital India a major.......

Keywords: - Financial literacy, financial inclusion, Digital finance, Financial Products, Financial services, Innovative Financial Technology

[1]. Yan Shen and Yiping Huang "Introduction to the special issue: Internet finance in China" china economic journal"(2016)
[2]. Agufa Midika Michelle, "The Effect of Digital Finance On Financial Inclusion In The Banking Industry In Kenya" (Nov 2016).
[3]. Peterson K Ozili, "Impact of Digital Finance on Financial Inclusion and Stability" (2018)
[4]. Haider, H. "Innovative financial technologies to support livelihoods and economic outcomes" (2018)
[5]. F. Allen, A. Demirguc-Kunt, L. Klapper, M.S.M. Peria. The foundations of financial inclusion: Understanding ownership and use of
formal accounts. Journal of Financial Intermediation, 27 (2016)

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