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Title: Threads of Sustainability: A Comparative Analysis of Jamdani (Tangail) and Khadi (Cumilla) as Catalysts for Pollution-Free Community Development in Bangladesh

Abstract: Bangladesh's rich textile heritage offers powerful, yet distinct, models for sustainable development. This study conducts a comparative analysis of two premier handloom sectors: the intricate Jamdani weaving of Tangail and the symbolic Khadi fabric of Cumilla. Framed within green economy principles, the research examines their socio-economic viability, environmental footprint, and potential as engines for pollution-free community development. Employing a mixed-methods approach (July-December 2025), the analysis incorporates surveys, environmental impact assessment, and case studies of both a "GI Gold" Jamdani export initiative and a revived Khadi business plan. Key comparative findings reveal: (1) Both sectors possess underutilized Geographical Indication (GI) status, but face different market challenges—Jamdani contends with high-skill imitation, while Khadi battles generic, low-cost substitutes; (2) their production paradigms, though both low-pollution, differ fundamentally, with Jamdani emphasizing artistic virtuosity and Khadi embodying philosophical self-reliance; and (3) their developmental contexts vary, with Tangail's model being craft-cluster centric and Cumilla's requiring synergistic infrastructure (e.g., airport revival) for growth. The study concludes that while both heritage textiles are potent vehicles for sustainable development, tailored, integrated strategies—recognizing their unique cultural, economic, and infrastructural ecosystems—are essential to unlock their full potential for artisan well-being, cultural preservation, and green economic growth in their respective regions.

By Muhammad Mahboob Ali, Nazmin Akter
In Volume: 14,Issue: 2
Title: Impact Assessment of Rural Credit Mechanisms on Agricultural Growth and Livelihood Improvement

Abstract: Rural credit plays a crucial role in promoting agricultural growth and improving the livelihoods of rural households in developing economies, particularly in India. This research paper evaluates the impact of various rural credit mechanisms, including institutional finance, cooperative credit, microfinance, and government-sponsored schemes, on agricultural productivity and livelihood enhancement. Using secondary data from national surveys, published research, and policy documents, the study highlights how access to affordable and timely credit facilitates technological adoption, crop diversification, employment generation, income growth, and poverty reduction. The findings indicate that institutional credit significantly contributes to agricultural productivity and livelihood security. However, challenges such as regional imbalances, procedural complexities, and rising indebtedness remain. The study concludes with policy recommendations to strengthen rural credit delivery systems and ensure sustainable and inclusive rural development.

By Imran Ahmed, Arvind Kumar Yadav
In Volume: 14,Issue: 2
Title: Digital Payment Adoption and Its Influence on Consumer Behaviour: Evidence from Meerut District

Abstract: Digital evolution of payment services has been a crucial and evolving trend that has been witnessed in the Indian financial market. Technological advancement, government support, and a rise in smartphone devices have encouraged people to opt for more digital means of transferring money and changing the structure of financial and money markets. This paper attempts to provide an empirical analysis of how consumer behavior is shaped by the evolving nature of digital payment services, especially in Meerut districts of Meerut, a Tier-2 city that constitutes a mix of both urban and semi-urban class consumer crowd. This paper attempts to provide an empirical analysis of how consumer behavior is shaped through a structured questionnaire covering a sample size of 100 people and employed statistical methods for hypothesis testing and analysis. Findings show that demographic characteristics are not a significant factor in changes in consumer expenditure behavior and shape and are shaped by aspects such as trust, ease of convenience, and perceived usefulness of services. Additionally, it was found that ease of services of digital payment further contributes to an improvement in consumer satisfaction levels.

By S.K.S. Yadav, Samreen Khan
In Volume: 14,Issue: 2
Title: Attitudinal and Contextual Barriers to Green Product Adoption among Educators and Administration: A Case Study of Educational Institutions in Meerut

Abstract: This study investigates the perceived barriers hindering the adoption of green products within the educational ecosystem of Meerut, India, specifically adopting an institutional perspective. Recognizing educational institutions as crucial agents for promoting sustainability, the research aims to identify the structural, procedural, and normative impediments faced by schools, colleges, and universities in transitioning towards environmentally preferable goods and services. Utilizing a qualitative approach, data was gathered from secondary sources, through online mode and focus group discussions with key institutional stakeholders, including administrators, and faculty members in Meerut. The analysis reveals a complex interplay of perceived barriers operating at multiple institutional levels. Key impediments identified include: 1) Economic Constraints: Predominant concerns regarding the higher initial costs, green products and stringent, inflexible budgetary allocations; 2) Structural & Procedural Hurdles: Lack of clear institutional green procurement policies, cumbersome bureaucratic approval processes, and limited access to reliable suppliers/vendors offering certified green alternatives; 3) Behavioral & Awareness Factors: Insufficient institutional commitment and leadership prioritization, resistance to changing established procurement habits, and a lack of awareness or training among institution stakeholders regarding the benefits and availability of green options. The findings emphasize that overcoming these barriers requires targeted intervention sat the institutional level, including the formulation of supportive green procurement policies, dedicated budgetary provisions, streamlined processes, capacity building, and fostering a stronger organizational culture of sustainability.

By S.K.S. Yadav, Avika Baliyan
In Volume: 14,Issue: 2
Title: Hydrogen Peroxide: Poverty Implications on Green and Renewable Energy-Related Financial Literacy in Mexico and Bangladesh

Abstract: This comprehensive research examines the intricate and multifaceted relationship between financial literacy in green energy and entrenched poverty in Mexico and Bangladesh. It explores how systemic socioeconomic barriers fundamentally constrain accessibility to renewable energy technologies and associated financial services. Employing a robust mixed-methods strategy—integrating quantitative econometric analysis, qualitative evaluation of national policy frameworks, and advanced time series diagnostics—this study demonstrates that poverty generates multi-dimensional impediments to renewable energy uptake. These impediments include severely restricted access to tailored financial products, a profound lack of comprehension regarding green financing mechanisms, and deficient technical know-how. The findings reveal that both Mexico's ambitious goal of generating 35% of its electricity from clean sources by 2024 and Bangladesh's targets of 10% renewable energy by 2025 and 40% by 2041 are critically hindered within impoverished communities. In these contexts, financial literacy rates exhibit a strong negative correlation with poverty indices. Furthermore, the study employs unit root (ADF, KPSS, PP) and cointegration (Johansen) tests to analyze temporal trends, revealing the non-stationary nature of key variables like energy poverty and identifying long-run equilibrium between financial inclusion and technology adoption. The results provide critical, policy-relevant insights into how socioeconomic determinants shape energy transition dynamics in emerging economies, offering evidence-based recommendations for designing interventions that promote equitable and inclusive access to renewable energy technologies. The application of hydrogen peroxide H2O2 as a clean energy carrier has significant implications for financial literacy related to green and renewable energy, especially in countries like Mexico and Bangladesh. This comparative analysis seeks to explore how the adoption of H2O2 technology can enhance financial understanding and decision-making in impoverished communities.

By Muhammad Mahboob Ali, José G. Vargas-Hernández
In Volume: 14,Issue: 2
Title: The Inflation-Unemployment Trade-Off in Bangladesh: Empirical Insights for Accelerating Progress towards Zero Poverty (SDG 1)

Abstract: This study empirically investigates the inflation-unemployment trade-off in Bangladesh and assesses its implications for achieving Sustainable Development Goal 1 (SDG 1) of zero poverty. High inflation erodes the real income of the poor, while unemployment directly limits earning capabilities, making the interplay between these variables a central determinant of poverty reduction. Using annual time-series data from 1990 to 2024, we employ an Autoregressive Distributed Lag (ARDL) model to test for the existence and stability of a long-run relationship. Our findings confirm a significant short-run trade-off but reveal that this relationship is unstable and weakens in the long run, suggesting that other structural factors dominate. The results indicate that unanticipated inflationary shocks disproportionately harm the poor, and persistent unemployment remains a formidable barrier to inclusive growth. The study concludes that a singular focus on either price stability or employment generation is insufficient for attaining SDG 1. Instead, Bangladesh requires an integrated policy framework that combines prudent monetary policy to control the inflation rate with targeted fiscal measures, investments in human capital, and productive sector diversification to generate new employment opportunities. This holistic approach is essential to effectively manage the trade-off and accelerate progress towards eliminating poverty.

By Shuvongkor Kumar Datta, S.K.S. Yadav, Jubair Ansary, Ariful Islam
In Volume: 14,Issue: 2

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