| Paper ID |
IJIFR/V13/E7/011
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| Author |
Reshma R, Government College for Women, Trivandrum
Dr Vinod G, Dr Vinod G
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| Paper Title |
Cryptocurrency Law in India: Learning from Global Regulations
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| Subject Category |
Commerce
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| Abstract |
Cryptocurrency law varies from country to country as it is an international digital currency, there is a need for an internationally accepted law. The growth of cryptocurrency adoption in India, along with increase in crypto scams and fraudulent activities, highlights the importance of a clear regulatory framework that creates challenges for investors, startups, and policymakers. This study examines the current state of cryptocurrency in India and compares it with the regulatory approaches followed by major crypto friendly countries including the United States, Switzerland, the United Arab Emirates, Canada, Singapore, Japan, Australia, the European Union, South Korea, El Salvador, and the United Kingdom.
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| Keyword |
Cryptocurrency, Cryptocurrency law, Cryptocurrency regulation, Virtual Digital Assets
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| Paper ID |
IJIFR/V13/E7/010
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| Author |
Malavika K, Government College For Women Vazhuthacaud, Thiruvananthapuram. University of Kerala
Dr. Binu R, Government College for Women Vazhuthacaud Thiruvananthpuram. University of Kerala
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| Paper Title |
Time Series Modelling and Forecasting of Foreign Direct Investment Inflows into India Using ARIMA
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| Subject Category |
Commerce, economics
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| Abstract |
Foreign Direct Investment (FDI) plays a pivotal role in sustaining economic growth, enhancing technological capability, and strengthening global integration in emerging economies like India. Over the past few decades, India has witnessed substantial fluctuations in FDI inflows due to policy reforms, global economic cycles, and external shocks. Accurate forecasting of FDI inflows is therefore essential for effective macroeconomic planning, investment policy formulation, and long-term development strategies. The present study aims to model and forecast India’s aggregate FDI inflows using the Autoregressive Integrated Moving Average (ARIMA) approach, a widely used univariate time series technique known for its robustness in short-term forecasting.
The study employs secondary time series data on India’s FDI inflows over a specified period, sourced from official publications of the Reserve Bank of India and the World Bank. The empirical results indicate that the ARIMA model effectively captures the dynamic behavior of India’s FDI inflows and provides reliable short-term forecasts. The study contributes to the existing literature by offering empirical evidence on the applicability of ARIMA modelling for FDI forecasting in India and provides valuable insights for policymakers and investors in anticipating future investment trends.
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| Keyword |
Foreign Direct Investment, ARIMA Model, Time Series Forecasting, Stationarity, India
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| Paper ID |
IJIFR/V13/E7/009
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| Author |
Anjali R, PG and Research Department of Commerce, Government College for Women, Thiruvanathapuram
DR. Vinod G, PG and Research Department of Commerce,Government College for Women, Thiruvanthapuram
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| Paper Title |
Insurance Decision-Making and Behavioural Biases: Understanding the Impact of Framing Effects
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| Subject Category |
Behavioural Finance Commerce
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| Abstract |
Insurance decision-making is a complex process that involves not only rational evaluation of risk and cost but also psychological factors that influence individual judgment. This study aims to examine insurance decision-making from a behavioural finance perspective by investigating the influence of framing effects on consumers’ purchase intentions and risk perceptions, thereby highlighting the uniqueness of psychological factors in insurance choices beyond traditional rational models. The research specifically focuses on gain-framed and loss-framed insurance messages as key parameters, addressing an important gap in existing literature that has largely emphasized investment decisions while giving limited attention to behavioural biases in insurance contexts. Compared to previous studies, the present research provides focused empirical evidence on how message framing alters both risk assessment and purchase behaviour among insurance consumers. A quantitative research design was adopted, using a structured questionnaire to collect primary data, which were analysed through descriptive statistics, correlation analysis, and paired sample t-tests to test the impact of different framing conditions. The findings reveal that framing effects significantly shape insurance decisions, with loss-framed messages intensifying perceived risk and gain-framed messages enhancing purchase intentions by emphasizing benefits and financial security. The study concludes that consumers often deviate from purely rational decision-making due to presentation effects, and the results offer meaningful implications for insurers, policymakers, and financial educators in designing effective, transparent, and ethically framed insurance communication strategies.
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| Keyword |
Behavioural biases, Framing effect, Insurance decision-making
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| Paper ID |
IJIFR/V13/E7/008
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| Author |
P. V. NANDHINI, Associate Professor, Post-Graduate and Research Department of Commerce, Nallamuthu Gounder Mahalingam College, Pollachi, Tamil Nadu.
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| Paper Title |
A STUDY ON PROBLEM FACED IN AGRICULTURAL CREDITS BY FARMERS
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| Subject Category |
Commerce
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| Abstract |
Agricultural credit is considered as one of the most basic inputs for conducting all agricultural development programmes. In India, there is an immense need for proper agricultural credit as Indian farmers are very poor. From the very beginning, the prime source of agricultural credit in India was moneylenders. The main objective of the study is to identify the impact of covid, to find out about awareness and preference of consumers for agricultural credit, to identify the beneficiaries of government scheme and to identify the problems faced by farmers to avail credit for agriculture. Convenience sampling method has been adopted to determine the sample size. A total of 120 farmers are taken as sample of the study. The study makes use of statistical techniques such as simple percentage and chi-square. The finding of the study is to the government should focus on and to support the farmers by giving more credits with some subsidies and low interest rate.
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| Keyword |
Covid Impact, Agricultural Credit, Government Scheme Beneficiaries, Farmers Problems
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| Paper ID |
IJIFR/V13/E7/007
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| Author |
Dr Kavitha K S, S N College , Kollam
Dr Berny B Raj, TKMM College, Nangiyarkulangara
Dr A Rajasekaran, S N College , Kollam
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| Paper Title |
Awareness of Citizen about various E-Governance Initiatives- The role of Social Attributes – A study in the context of Kerala
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| Subject Category |
Commerce
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| Abstract |
While considering the socio economic development of various regions of the country, Kerala can be considered as a pioneer state which has achieved a high social development . Various e-governance projects has been planned and implemented in the state after the implementation of NeGP( National E governance plan)in 2005 which aims at enhancing, accessibility and transparency of e governance and thereby enhance the efficiency of administration which helped Kerala to be first India’s first digital state. Numerous studies has been conducted for analysing and evaluating the performance and achievements of Kerala E governance system , but research which focus on the socio-economic attributes or determinants of citizens which has contributed in the development of e governance initiatives has not been made. The major aim of the present study is to explore and analyse the socio-economic profile of citizens who availed e-governance services across Kerala by studying various variables such as their age, income education , religion etc. The study reveals that highly educated and high income group are more utilizing the privilege of e governance rather than persons having lower standard of living .
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| Keyword |
E Governance , Social attributes . NeGP
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| Paper ID |
IJIFR/V13/E7/006
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| Author |
Dr. B.PRABAKARAN, GOVERNMENT COLLEGE OF EDUCATION, PUDUKKOTTAI
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| Paper Title |
EFFECTIVENESS OF MOBILE LEARNING IN ENGLISH AMONG MIDDLE SCHOOL VISUALLY CHALLENGED STUDENTS IN PUDUKKOTTAI DISTRICT
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| Subject Category |
EDUCATION
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| Abstract |
Mobile learning has become accessible to nearly everyone, as most individuals possess at least one mobile phone regardless of social status or income level. It enables learners to access educational content anytime and anywhere. In recent years, learning English through mobile applications has gained popularity, particularly for vocabulary development and pronunciation practice, where digital tools can provide repetitive and consistent input. The objective of this study was to examine the effectiveness of mobile learning in English among visually challenged middle school students in Pudukkottai district. The research adopted a single-group experimental design consisting of a pre-test, post-test-1, and post-test-2. The sample comprised 10 visually challenged students from a middle school in Pudukkottai. The InstaReader mobile application was used as the intervention tool, and academic achievement tests were administered to measure learning outcomes. For data analysis, ANOVA with a post hoc test (Bonferroni test) was employed to interpret the results. The findings revealed that: (i) There was no significant difference between the pre-test and post-test-1 (p = 0.783 > 0.01). (ii) There was a significant difference between the pre-test and post-test-2 (p = 0.000 < 0.01). (iii) There was a significant difference between post-test-1 and post-test-2 (p = 0.000 < 0.01). The study concludes that repeated exposure and frequent practice through mobile learning significantly enhance English learning among visually challenged students.
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| Keyword |
Effectiveness, Mobile Learning, English, Middle Schools, Visually Challenged Students and Pudukkottai District.
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| Paper ID |
IJIFR/V13/E7/005
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| Author |
Merin Jose, PAVANATMA COLLEGE,MURICKSSERY
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| Paper Title |
Sustainable Banking: Building a Greener and Fairer Financial Future
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| Subject Category |
BANKING
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| Abstract |
Sustainable banking has become a transformative approach in the global financial system, aiming to align banking operations with environmental protection, social responsibility, and ethical governance. Unlike traditional banking models focused on profit maximization, sustainable banking incorporates Environmental, Social, and Governance (ESG) principles into financial decision-making, credit allocation, and risk assessment. This paper explores the evolution of sustainable banking from early green banking initiatives to modern ESG-driven frameworks. It delves into key aspects such as green banking practices, responsible lending, ESG integration, and their impact on sustainable banking outcomes, including financial stability, environmental performance, and social inclusion. Research indicates growing regulatory support, heightened stakeholder expectations, and mounting empirical evidence showing that sustainability-focused banking enhances long-term institutional resilience, reputation, and climate-aligned development. In summary, sustainable banking is seen as a vital path toward creating a more environmentally friendly and equitable financial future.
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| Keyword |
Sustainable banking,Green banking,Environmental sustainability,ESG integration,Responsible lending,Climate finance,Financial stability,Sustainability outcomes
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| Paper ID |
IJIFR/V13/E7/004
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| Author |
Dr. D. Senthilnathan, Dr. N.G.P. Arts and Science College
Ms. Kaviya Sree .M.S, Dr. N.G.P. Arts and Science College
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| Paper Title |
Analysis of AI Replacing Middle Management Roles and Future of Corporate Hierarchy
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| Subject Category |
Commerce and Management
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| Abstract |
Artificial Intelligence (AI) has emerged as one of the most influential technological developments affecting modern organizations and managerial practices. The present study focuses on examining the impact of AI on middle management roles and its influence on the future of corporate hierarchy. The research is based on primary data collected through a structured questionnaire administered to employees working in various sectors such as IT/ITES, banking and finance, manufacturing, and service industries. Percentage analysis has been used as the primary statistical tool for data interpretation. The study identifies that AI is extensively applied in automating routine managerial activities such as data analysis, reporting, scheduling, forecasting, and performance monitoring. The adoption of AI has resulted in reduced workload for middle managers and has improved efficiency, accuracy, and speed in decision-making processes.
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| Keyword |
The major keywords associated with the present study include Artificial Intelligence, Middle Management, Corporate Hierarchy, Automation, Managerial Roles, Organizational Structure, Decision-Making, and Digital Transformation.
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| Paper ID |
IJIFR/V13/E7/003
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| Author |
SREEKUTTY B S, GOVERNMENT COLLEGE FOR WOMEN, THIRUVANANTHAPURAM
Dr.VINOD G, GOVERNMENT COLLEGE FOR WOMEN, THIRUVANANTHAPURAM
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| Paper Title |
Understanding Green Consumerism among Youth: A Quantitative Study
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| Subject Category |
Marketing-Commerce
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| Abstract |
Increasing concern for environmental sustainability and health has prompted consumers to reassess their consumption habits, resulting in the emergence of green consumerism. This concept reflects the conscious choice of eco-friendly products to minimise the adverse environmental impacts of consumption. While previous studies have largely focused on general consumer awareness and the relevance of adopting eco-friendly products, limited attention has been given to the key factors influencing green consumerism among youngsters. Young consumers tend to follow value-driven consumption patterns shaped by specific underlying factors. This study looks at the main factors influencing green consumerism among young people. It will assess their awareness levels, consumption habits, motivation, and perceived obstacles. A quantitative approach is employed to analyse the influence of these factors on young consumers' purchasing decisions. The study hypothesises that awareness, peer pressure, and socio-cultural influences positively affect green consumerism, whereas cost, lack of knowledge, greenwashing, and convenience act as barriers. The findings should give policymakers, marketers, and sustainability advocates useful information to close the attitude-behavior gap and encourage young consumers to adopt eco-friendly habits.
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| Keyword |
Green Consumerism, Eco-friendly Products, Youth Consumption Behaviour, Environmental Awareness
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| Paper ID |
IJIFR/V13/E7/002
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| Author |
Sharma V, GCA
Malik P, GCA
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| Paper Title |
Impact of various threats responsible for the enhancement of cybercrime and understanding the effectiveness of security technologies to consolidate the cybercrime incidents associated with networked information systems
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| Subject Category |
Computer Engineering
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| Abstract |
This research study is based on analysis of the responses to the survey questionnaire, which was Internet based delivery via e-mail as well as information collected personally through Information technology professionals. Moreover, to authenticate the analytical results & findings, data has been collected from the National Technology Readiness Survey, Business Software Alliance, Electronic Privacy Information Center (EPIC), The e-commerce firm, CERT-CC (Computer Emergency Response Team Coordination Center), the Software & Information Industry Association (SIIA), Computer Security Institute, CCRDU, Delhi; Cyber Crime Research Center, and visiting various authentic statistics sites and going through various cybercrime reports. As well researcher interviewed & discussed personally various organizations and individuals/ households who access the internet during the period of research. This paper discusses current and emerging forms of computer-related illegality. It reviews various factors and vulnerabilities responsible for the enhancement of cybercrime that affects the different organization which is related with network systems and to identify and consolidate the cybercrime incidents associated with networked information systems, and to formulate an approach to evaluate illegality involving information systems as instruments or as targets of crime.
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| Keyword |
National Technology Readiness Survey, Business Software Alliance, Electronic Privacy Information Center (EPIC), The e-commerce firm, CERT-CC (Computer Emergency Response Team Coordination Center)
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| Paper ID |
IJIFR/V13/E7/001
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| Author |
Sharma V. K., GCA, Haryana
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| Paper Title |
Increasing the network longevity by distributing energy consumption in the network.
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| Subject Category |
Computer Engineering
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| Abstract |
I proposed an on-demand power management framework targeting generic ad hoc networks. To achieve reduced energy consumption while maintaining effective communication, our framework integrates routing information from on-demand ad hoc routing protocols and power management capabilities from the MAC layer. Energy conservation is achieved by judiciously turning on and off the radios of specific nodes in the network. The novelty of our framework is that such power management decisions are driven by active communications in the network. For the purpose of energy conservation, connectivity is only maintained between pairs of senders and receivers and along the route of data communication. In our research work, we will design and propose an extensible on-demand power management framework for ad hoc networks that adapts to traffic load. We will implement a prototype of our framework in the ns-2 simulator that uses the IEEE 802.11 MAC protocol. We have proposed a new energy-efficient ad hoc on-demand routing protocol that balances energy load among nodes so that a minimum energy level is maintained among nodes and the network life increases. We focused on increasing the network longevity by distributing energy consumption in the network.
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| Keyword |
ad hoc on-demand, routing protocol , energy conservation,
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