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Title: Best Practices in Microcredit Governance: Lessons from Bangladesh

Abstract: The performance of two prominent microcredit providers—Grameen Bank and BRAC NGO—is examined in this paper, with particular attention paid to their different organizational structures and governance frameworks. As a borrower-owned cooperative, Grameen Bank promotes member involvement in decision-making, which, through group lending, encourages ownership and peer support but may also lead to social pressure. BRAC NGO, on the other hand, employs a centralized governance model and offers a thorough approach to micro credit that is in line with its larger social development initiatives. Although this strategy provides comprehensive assistance, it may not be as flexible to meet the needs of each borrower. Although borrower choices and economic conditions have an impact on their effectiveness, both groups aim to increase loan attachment and reduce poverty. While BRAC depends on a combination of donor money and revenue-generating operations, Grameen Bank places a higher priority on self-sufficiency. The impact and sustainability of microcredit systems might be improved by fusing the advantages of both models—BRAC's integrated approach and Grameen Bank's borrower ownership.

By Tahmina Akhter, Shanzida Hassan
In Volume: 14,Issue: 1
Title: Gender Based Violence and Its Impact on the Society

Abstract: Gender-based violence (GBV) is a pervasive global issue that affects individuals across all demographics, but disproportionately impacts women and girls. This abstract examines the multifaceted nature of GBV, encompassing various forms such as physical, sexual, psychological, and economic violence. Using a socio-ecological framework, it explores the complex interplay of individual, relational, community, and societal factors that contribute to the perpetuation of GBV. Furthermore, the abstract delves into the profound consequences of GBV on individuals and society at large. Beyond the immediate physical and psychological trauma experienced by survivors, GBV perpetuates cycles of poverty, hinders economic development, and undermines social cohesion. It exacerbates existing inequalities and impedes progress towards gender equality and women's empowerment. Drawing on empirical evidence and theoretical frameworks, this paper underscores the urgent need for comprehensive, multi-sectoral approaches to address GBV effectively. Such approaches should encompass prevention, intervention, and response strategies that engage diverse stakeholders, including governments, civil society organizations, communities, and individuals. Moreover, efforts to combat GBV must be underpinned by a commitment to challenging harmful gender norms, promoting human rights, and fostering gender-equitable societies. By shedding light on the pervasive nature and far-reaching impacts of GBV, this abstract seeks to inform policy, advocacy, and programming efforts aimed at eradicating this grave violation of human rights and fostering a more just and equitable society for all.

By Faraha, Nazia Ansari
In Volume: 14,Issue: 1
Title: Social Intelligence and Burnout among Post Graduate Students

Abstract: This study was aimed to identify the effect of social intelligence on the academic burnout among college students who were studying in different faculties (Science, Commerce, Arts). The data was collected from different colleges situated in Meerut city. A total 300 students studying different colleges under CCS University were participated. Burnout was measured by Copenhagen(2012)’s Burnout Scale while Social Intelligence by Chadda and Ganeshan (2009). Multiple Regression was used to find our predictors for the burnout among college students. Regression Analysis revealed that social intelligence was emerged as important predictor of burnout. Further T test also revealed significance difference between groups. It was found that female students were having more burnout problems as compare to male participants. Students’ social intelligence is a Type a perceiving ability to understand social cues and effectively navigate social situations. It is ability to cope with burnout or stressors and maintain balance between academic and personal life. In this paper the present study has social applied application Academic Achievement, Mental health and general wellbeing can all be affected by social intelligence. Thus the present study is to examine low social intelligence affects college’s student abilities to handle their burnout problems.

By Pratiksha Rani, Manju Khokhar
In Volume: 14,Issue: 1
Title: A SWOT Analysis on Service Quality and Hospitality in Star Hotels from an Indian Market Perspective

Abstract: Previous studies explain lots of insights on hotel management in terms of service quality, challenges, issues, and problems faced in the inns. However, there is a gap in bridging the strengths, weaknesses, opportunities, and threats of hotels common faces. This study addressed the gap by approaching the customer-centric viewpoint. The study looks to ascertain the strengths (S), weaknesses (W), opportunities (O), and threats (T) of the hotel management from a customer perspective and to find the connection among the hotel facilities and frequency of customer visits for staying. The results enlighten that there is significance between the hotel amenities, price affordability, and frequency of the visit of customers. Therefore, amenities consistently give guests a comfortable space to remain longer and foster a positive perception of the hotel. The research's results are restricted to the study region; they may vary over time and between regions. From a competitive perspective, service quality contributes to the hotels by increasing their strengths and opportunities and decreasing weaknesses and threats.

By M. Shanthi, R. Ganapathi
In Volume: 14,Issue: 1
Title: A Critical Review on Financial, Developmental and Supervisory Role of NABARD: With Special Reference to Functions of its Management Bodies

Abstract: National Bank for Agriculture and Rural Development (NABARD) formed in 1982 on 12th July is India's leading agricultural finance and rural development institution. This paper critically examines NABARD's development, financing, and supervisory roles with particular reference to the operations of its organizational hierarchies. NABARD performs as a support system for rural banking organizations' refinancing, financial inclusion, financing infrastructure operations, and promoting capacity-building schemes such as Self-Help Groups (SHGs), Farmer Producer Organizations (FPOs), and Primary Agricultural Credit Societies (PACS). Its departments such as Financial Inclusion and Development, Infrastructure and Development, and Supervision allow NABARD to support rural credit infrastructure and policy adherence. This paper assesses the performance of NABARD in rural development, climate resilient farming, and inclusive growth. Imbalanced credit flow to regions, over-reliance on government support, weak digital connectivity, and congruence of youth training skills remain issues despite these advancements. Despite these issues, NABARD remains a powerful instrument of sustainable rural development and farm advancement in India. This paper thus concludes the relevance of policy reforms, technology adoption, and greater autonomy to improve NABARD's long-term performance.

By Saumya Rai, Dinesh Kumar Tiwari
In Volume: 14,Issue: 1
Title: Workplace Diversity and Inclusion: The Role of Organizational Culture

Abstract: Workplace diversity and inclusion (D&I) have become critical drivers of innovation, employee well-being, and organizational performance. The success of D&I efforts, however, depends significantly on the dominant organizational culture, which influences employee attitudes, behaviors, and inclusivity-related policies. This research explores the complex relationship between organizational culture and workplace diversity and inclusion, investigating how cultural values, leadership, and HR policies affect the success of diversity efforts. Based on a comprehensive literature review, case studies, and empirical studies, this research emphasizes the most important aspects of an inclusive organizational culture, including leadership commitment, psychological safety, fair hiring practices, and open communication. It also examines typical obstacles to inclusivity, such as unconscious biases, resistance to change, and structural disparities in organizations. The study also examines the contribution of transformational leadership and corporate social responsibility (CSR) in fostering a positive cultural change towards inclusivity. Findings indicate that organizations with a robust, inclusive culture have more engaged employees, better team collaboration, and better organizational reputation. In contrast, firms that do not embed diversity and inclusion into their cultural narrative stand to see greater turnover, intra-workplace conflict, and diminished innovation. The research concludes by offering strategic recommendations to organizations on how to create and maintain a culture that proactively supports diversity and inclusion through leadership commitment, customized training programs, and inclusive policy making.

By Kajol Morya, K.R. Jain
In Volume: 14,Issue: 1