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About The Journal


Academe: Journal of Education and Psychology is a peer-reviewed and refereed scholarly journal (ISSN: 2249-040X) dedicated to advancing research and discourse in the fields of education and psychology. Formerly listed under UGC-approved journal list No. 47208, the journal upholds rigorous academic standards, ensuring the publication of high-quality research contributions.

With the University Grants Commission (UGC) transitioning from the UGC-CARE list to a framework of suggestive parameters for peer-reviewed journals (vide letter No. F. No. 1- /2018 (CARE/JOURNAL) - Part file, dated February 11, 2025), Academe aligns with these benchmarks, maintaining academic integrity, transparency, and scholarly excellence.

The journal boasts an eminent editorial board comprising distinguished academicians and is published by National Press Associates, a reputed national-level publishing house. The Editor-in-Chief, Dr. Tapan Kumar Sahu, Principal, S.D. College of Education, Barnala, is a distinguished academician and an esteemed Member of the National Assessment and Accreditation Council (NAAC), Bangalore, and the National Council for Teacher Education (NCTE), New Delhi. Under his leadership, Academe: Journal of Education and Psychology continues to uphold its commitment to scholarly excellence, ensuring its relevance and credibility for academic and professional recognition, including consideration for API scores.

  • The Journal is Published By "National Press Associates"
  • Publisher Website: www.npajournals.org
  • Journal Name: Academe-Journal of Education & Psychology
  • ISSN: 2249-040X
  • Journal Impact Factor: 6.25
  • Journal Starting Year: 2011
  • Peer Review Process: Double Blind Peer Review Process
  • Low Article Processing Charges
  • Frequency of Publication: Biannual (2 Issues Per Year)
  • Languages: English and Hindi
  • Accessibility: Open Access
  • Plagiarism Checker: Turnitin

The journal invites submission of manuscripts that meet the general criteria of significance and scientific excellence, and will publish:

  1. Original articles (research paper, short communications, etc)
  2. Review articles
  3. Conference reports
  4. Book reviews, etc.

Interested in submitting to this journal? We recommend that you review the About the Journal page for the journal's section policies, as well as the Author Guidelines.

Principal Contact

  • Dr. Tapan Kumar Sahu (Editor-in-Chief)
  • Principal, S.D College of Education, Barnala, Punjab (INDIA)
  • E-mail: academejournal@gmail.com


Current Issue

Year: 2026   Volume-16, (March 2026) Special Issue: Business Collaboration in a VUCA World: Redefining Sustainable Organizational Growth

Paper Title THE IMPACT OF COVID-19 PANDEMIC ON MICROFINANCE IN INDIA
Author Name Pooja Sanjay Pawar
Country India
DOI https://doi.org/10.5281/zenodo.20080182
Page No. 1-5

Abstract View PDF Download Certificate
THE IMPACT OF COVID-19 PANDEMIC ON MICROFINANCE IN INDIA
Author: Pooja Sanjay Pawar

ABSTRACT
Microfinance plays a crucial role in enhancing the lives of low-income and financially
excluded populations, providing them with tools to manage their economic challenges and improve livelihoods. Similar to Community Development Financial Institutions (CDFIs) in the United States, microfinance institutions (MFIs) deliver accessible, affordable, and responsibly designed financial services to communities that are often overlooked by mainstream banks. These services include small loans, savings schemes, and sometimes micro-insurance products, all tailored to meet the unique needs of marginalized individuals who typically lack collateral or stable income streams. By doing so, MFIs not only help recipients meet daily consumption needs but also support income-generating activities, entrepreneurship, and long-term financial resilience.
The COVID-19 pandemic posed unprecedented challenges to informal economies worldwide. Street vendors selling vegetables, fruits, ready-to-eat food,

Paper Title ROLE OF DIGITAL TECHNOLOGIES IN IMPROVING HEALTHCARE OPERATIONS AND SERVICES
Author Name Ajit Bhikaji Parab
Country India
DOI https://doi.org/10.5281/zenodo.20080287
Page No. 6-10

Abstract View PDF Download Certificate
ROLE OF DIGITAL TECHNOLOGIES IN IMPROVING HEALTHCARE OPERATIONS AND SERVICES
Author: Ajit Bhikaji Parab

ABSTRACT
The healthcare sector is undergoing rapid transformation due to the increasing adoption of Digital Technologies. Healthcare institutions are leveraging digital systems to improve operational efficiency, service quality, and patient outcomes. The value chain framework provides a useful perspective to understand how IT contributes to efficiency across healthcare activities such as patient registration, diagnostics, treatment, billing, and follow-up care. This paper examines the role of IT in improving value chain efficiency in healthcare organizations. It explores key IT applications across primary and support functions, evaluates their impact on cost, quality, coordination, and decision-making, and highlights challenges in implementation. The study concludes that effective integration of IT significantly enhances organizational performance, patient satisfaction, and competitive advantage.

Keywords: Digital Technologies, Healthcare, Value Chain, Efficiency, Digital Health

Paper Title A STUDY OF LOGISTICS BETWEEN DHL AND DELHIVERY
Author Name Aman Vilas Gaikwad
Country India
DOI https://doi.org/10.5281/zenodo.20080313
Page No. 11-16

Abstract View PDF Download Certificate
A STUDY OF LOGISTICS BETWEEN DHL AND DELHIVERY
Author: Aman Vilas Gaikwad

ABSTRACT
This research paper presents a comparative study of two major logistics companies operating in diverse market segments: DHL, a globally renowned express delivery and logistics corporation headquartered in Bonn, Germany, and Delhivery, India's leading fully integrated logistics services provider. The study analyses both organizations across multiple dimensions including operational models, technological capabilities, network infrastructure, financial performance, and strategic positioning.

Using secondary data from annual reports, industry analyses, and published literature, the findings indicate that DHL leverages its vast international network and brand reputation for premium B2B and B2C logistics, while Delhivery capitalizes on India-specific digital infrastructure, last-mile delivery innovations, and e-commerce partnerships to dominate the domestic market. The study concludes with strategic recommendations and insights into the future trajectory of the global versus dom

Paper Title A STUDY ON NOSTALGIA-DRIVEN CONTENT AND ITS IMPACT ON USER EXPERIENCE
Author Name Ankita Jadhav & Ajit Parab
Country India
DOI https://doi.org/10.5281/zenodo.20080363
Page No. 17-23

Abstract View PDF Download Certificate
A STUDY ON NOSTALGIA-DRIVEN CONTENT AND ITS IMPACT ON USER EXPERIENCE
Author: Ankita Jadhav & Ajit Parab

ABSTRACT
In the evolving digital landscape, user experience has become increasingly driven by
emotional and personalized engagement strategies. This study examines the impact of
nostalgia-driven content on user experience with specific reference to the Spotify mobile application. The research adopts a descriptive and analytical approach based on secondary data collected from academic literature, industry reports, and platform insights. The study explores how nostalgia-based features—such as personalized playlists and retrospective listening summaries—affect emotional engagement, user satisfaction, and platform loyalty.However, the study is limited by its reliance on secondary data and its focus on a single platform, which may affect the generalizability of the findings. The paper suggests that future research should incorporate primary data and comparative platform analysis to provide deeper insights. Overall, the study concludes that nostalgia marketing serves as a powerful strateg

Paper Title A STUDY OF PANIC DISORDER AMONG 20-45 AGED GROUP WOMEN
Author Name Ashita Ashok Nikam
Country India
DOI https://doi.org/10.5281/zenodo.20080398
Page No. 24-28

Abstract View PDF Download Certificate
A STUDY OF PANIC DISORDER AMONG 20-45 AGED GROUP WOMEN
Author: Ashita Ashok Nikam

ABSTRACT:
Mental health has become an important concern in modern society due to increasing stress, work pressure, family responsibilities and lifestyle changes. Among various psychological conditions, panic disorder is one of the most common anxiety-related disorders affecting individuals, especially women. Panic disorder is characterized by sudden episodes of intense fear or discomfort known as panic attacks. These attacks are often accompanied by physical symptoms such as rapid heartbeat, sweating, trembling, dizziness and shortness of breath. Women between the age group of 20–45 years are particularly vulnerable to panic disorder due to multiple life responsibilities, hormonal changes, work-life balance issues, relationship stress and societal expectations. Many women experience anxiety and panic attacks but often ignore the symptoms or hesitate to seek professional help due to lack of awareness and social
stigma associated with mental health problems. The purpose of this study i

Paper Title A STUDY ON CONDITION SLEEP PARALYSIS
Author Name Khan Farhin Jamil
Country India
DOI https://doi.org/10.5281/zenodo.20080443
Page No. 29-34

Abstract View PDF Download Certificate
A STUDY ON CONDITION SLEEP PARALYSIS
Author: Khan Farhin Jamil

ABSTRACT
Sleep paralysis is a temporary condition in which an individual is unable to move or speak while falling asleep or waking up. Although it is not physically harmful, it can cause intense fear, anxiety, and hallucinations. This phenomenon has been reported across different cultures and is often associated with supernatural beliefs due to the frightening experiences it produces. The present study aims to analyze the causes, frequency, and psychological impact of sleep paralysis among individuals. It also focuses on understanding awareness levels and coping mechanisms used by affected individuals. The research is based on both primary and secondary data. Primary data is collected through a structured questionnaire distributed among 30 respondents, while secondary data is obtained from research articles, medical journals, and online sources.
Previous studies suggest that sleep paralysis is closely linked to irregular sleep patterns,
stress, anxiety, and sleep disorders such as n

Paper Title SUSTAINABILITY AND PERFORMANCE ISSUES IN FAMILYOWNED ENTERPRISES
Author Name Sushama Chaudhary, Harshal Devare, Ibrahim Chaudhary & Shivani Tiwari
Country India
DOI https://doi.org/10.5281/zenodo.20080515
Page No. 35-41

Abstract View PDF Download Certificate
SUSTAINABILITY AND PERFORMANCE ISSUES IN FAMILYOWNED ENTERPRISES
Author: Sushama Chaudhary, Harshal Devare, Ibrahim Chaudhary & Shivani Tiwari

ABSTRACT:
Family-owned enterprises play a significant role in economic development by contributing to employment generation, entrepreneurship, and long-term wealth creation. However, these businesses face unique sustainability and performance challenges arising from the intersection of family relationships and business management. The present study examines key performance issues in family-owned enterprises, focusing on decision-making conflicts, lack of professional management, resistance to change, and the impact of family involvement on operational efficiency and strategic performance. The research is based on both primary and secondary data. Primary data were collected from 100 respondents associated with family businesses using a structured questionnaire, while secondary data were obtained from journals,
reports, and academic sources. The findings reveal that internal conflicts, absence of professional management practices, and resistance to technological and organizational chan

Paper Title PSYCHOLOGICAL SAFETY, EMPLOYEE ENGAGEMENT ARE IMPORTANT FOR ORGANIZATIONAL SUSTAINABILITY
Author Name Harshita Tripathi, Deepteshwari Korde & Rutuja Jadhav
Country India
DOI https://doi.org/10.5281/zenodo.20080566
Page No. 42-46

Abstract View PDF Download Certificate
PSYCHOLOGICAL SAFETY, EMPLOYEE ENGAGEMENT ARE IMPORTANT FOR ORGANIZATIONAL SUSTAINABILITY
Author: Harshita Tripathi, Deepteshwari Korde & Rutuja Jadhav

ABSTRACT
In modern organizational environments characterized by rapid change and increasing
complexity, psychological safety has emerged as a critical determinant of employee
engagement and long-term organizational sustainability. Psychological safety refers to an environment in which employees feel secure to express ideas, share concerns, and participate in collaborative decision-making without fear of negative consequences. Organizations that foster psychologically safe work environments tend to achieve higher levels of employee engagement, innovation, and productivity. This study examines the relationship between psychological safety, employee engagement, and organizational sustainability in modern workplaces.

KEYWORDS
Psychological safety; Employee engagement; Organizational sustainability; Workplace
culture; Leadership; Organizational performance

Paper Title COLLABORATION BETWEEN NIKE AND APPLE
Author Name Hrutveek Santosh Gaonkar
Country India
DOI https://doi.org/10.5281/zenodo.20080612
Page No. 47-51

Abstract View PDF Download Certificate
COLLABORATION BETWEEN NIKE AND APPLE
Author: Hrutveek Santosh Gaonkar

ABSTRACT
This paper examines the strategic collaboration between Nike, Inc. and Apple Inc., one of
the most consequential inter-industry brand alliances of the twenty-first century. Grounded in brand equity theory, complementary asset exploitation, and co-branding strategy, the study traces the evolution of the partnership from the Nike+iPod Sport Kit (2006) to the integrated Apple Watch Nike ecosystem. Drawing on survey data from fifty respondents, the paper analyses consumer awareness, product adoption, perceived brand value enhancement, and purchasing behaviour influence. Findings confirm the collaboration commands exceptionally high consumer recognition and is widely regarded as a benchmark of effective inter-industry strategic partnership.

Keywords
Brand Collaboration, Co-Branding, Strategic Alliance, Nike, Apple, Wearable Technology,
Consumer Behaviour, Brand Equity

Paper Title A STUDY OF SOCIAL MEDIA AND ITS ROLE IN THE GROWING MENTAL HEALTH CRISIS
Author Name Suthar Jaydev Kantilal
Country India
DOI https://doi.org/10.5281/zenodo.20080639
Page No. 52-57

Abstract View PDF Download Certificate
A STUDY OF SOCIAL MEDIA AND ITS ROLE IN THE GROWING MENTAL HEALTH CRISIS
Author: Suthar Jaydev Kantilal

ABSTRACT
Social media is a part of our lives now. It has changed the way we talk to each other make friends and get information. We use media platforms like Instagram, TikTok, Facebook, Twitter and Snapchat to share what we do and how we feel. These platforms are good because they let us connect with people over the world get news and learn about important issues. They also let us express ourselves.. There is a downside to social media. It can hurt our health.

Lots of people, teenagers and young adults are having mental health problems. We are seeing cases of Depression, Anxiety disorder and stress. This is because of social media. When we use media too much it can be bad for us. We start comparing our lives to others. That can make us feel bad. We also have to deal with comments and the fear of missing out.

This research paper looks at how social media affects our health. It tries to understand how social media influences our emotions, behavior and who we are. We look at the ba

Paper Title BLOCKCHAIN TECHNOLOGY IN PAYMENTS, LENDING AND ASSET MANAGEMENT: A SECTORAL ANALYSIS
Author Name Heba Kondkar, Raj Kulthe, Shreyas Lokhande & Jai Khardikar
Country India
DOI https://doi.org/10.5281/zenodo.20080717
Page No. 58-64

Abstract View PDF Download Certificate
BLOCKCHAIN TECHNOLOGY IN PAYMENTS, LENDING AND ASSET MANAGEMENT: A SECTORAL ANALYSIS
Author: Heba Kondkar, Raj Kulthe, Shreyas Lokhande & Jai Khardikar

ABSTRACT
Blockchain technology has emerged as a transformative innovation in the financial services industry, reshaping traditional operational models across payments, lending, and asset management. This study presents a sectoral analysis of blockchain adoption to examine its extent of implementation, operational impact, and maturity levels within these three key financial domains. Using secondary data from industry reports, regulatory publications, and fintech studies, the research evaluates adoption trends based on five major dimensions: regulatory support, implementation scale, technology integration, industry participation, and operational efficiency.

The findings reveal significant sectoral variations in blockchain adoption. The payments
sector demonstrates the highest level of adoption, driven by strong regulatory initiatives, realtime settlement capabilities, and widespread institutional participation. The lending sector exhibits moderate adoption, primarily focused on proc

Paper Title A CASE STUDY OF TATA EV: EVALUATING THE IMPORTANCE OF COLLABORATION AMONG STRATEGIC BUSINESS UNITS IN THE TATA GROUP
Author Name Kanchan Haresh Kedari
Country India
DOI https://doi.org/10.5281/zenodo.20081605
Page No. 65-69

Abstract View PDF Download Certificate
A CASE STUDY OF TATA EV: EVALUATING THE IMPORTANCE OF COLLABORATION AMONG STRATEGIC BUSINESS UNITS IN THE TATA GROUP
Author: Kanchan Haresh Kedari

The emergence of Electric Vehicles (EVs) has significantly transformed the automotive industry, particularly in developing markets like India. This paper presents a case study of Tata Motors and its Electric Vehicle (EV) ecosystem to examine the role of synergy and collaboration among Strategic Business Units (SBUs) within the Tata Group. The study focuses on how various Tata Group companies, including Tata Power, Tata Chemicals and Tata Consultancy Services, work together to create a strong EV ecosystem. It highlights how this collaboration serves as a highly effective and commendable example of inter-SBU coordination in manufacturing and supporting EV adoption. The findings indicate that synergy among SBUs enhances operational efficiency, reduces operational costs, accelerates innovation and strengthens market competitiveness. The coordinated efforts of various Tata companies enable the development of an integrated EV ecosystem covering vehicle manufacturing, charging infrastructure,

Paper Title A STUDY OF HOW VUCA HAS BEEN REPLACED BY BANI
Author Name Lokesh N. Daware
Country India
DOI https://doi.org/10.5281/zenodo.20082178
Page No. 70-74

Abstract View PDF Download Certificate
A STUDY OF HOW VUCA HAS BEEN REPLACED BY BANI
Author: Lokesh N. Daware

The global and Indian business landscapes have undergone a structural and psychological transformation over the past decade. This shift has rendered traditional models of strategic management increasingly insufficient. For more than thirty years, organisations relied heavily on the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) framework to understand and navigate an unpredictable world. Originating in the post-Cold War era, VUCA equipped business leaders with the mindset to handle rapid market changes through agility, foresight, and clear vision. However, unprecedented global and domestic events—such as the COVID-19 pandemic, supply chain shocks, shifting geopolitical alignments, and the explosive integration of artificial intelligence—have introduced a level of systemic chaos that exceeds mere unpredictability. In response to this paradigm shift, anthropologist and futurist Jamais Cascio introduced the BANI (Brittle, Anxious, Non-linear, and Incomprehensible) framework in

Paper Title A STUDY OF UNDERSTANDING DEMAND VARIABILITY AND BULLWHIP EFFECT
Author Name Mangesh Patil, Ajit Parab
Country India
DOI https://doi.org/10.5281/zenodo.20082323
Page No. 75-81

Abstract View PDF Download Certificate
A STUDY OF UNDERSTANDING DEMAND VARIABILITY AND BULLWHIP EFFECT
Author: Mangesh Patil, Ajit Parab

Effective perishable commodities supply chain management is essential for urban food security, profitability, and sustainability. This study studies demand fluctuation and the bullwhip impact in the Mumbai Metropolitan Region dairy supply chain, focusing on Amul and Mother Dairy. The research analyzes demand changes throughout supply chain stages and identifies operational, behavioral, and infrastructural drivers of variability using secondary data from industry papers, corporate publications, and market evaluations. Demand amplification, with variability increasing more than thrice from consumer to manufacturer, causes overstocking, stockouts, and 5–7% daily product waste. Forecasting errors, information sharing gaps, seasonal and festival demand spikes, and cold chain constraints are major contributors. The study underscores the necessity for integrated mitigation methods and the difference in variability management between organized and disorganized supply chain operators. Spending

Paper Title A STUDY OF THE EFFECT OF WORKPLACE ALIENATION WITH SPECIAL REFERENCE TO BMC
Author Name Neha Dilip Yadav
Country India
DOI https://doi.org/10.5281/zenodo.20082511
Page No. 82-86

Abstract View PDF Download Certificate
A STUDY OF THE EFFECT OF WORKPLACE ALIENATION WITH SPECIAL REFERENCE TO BMC
Author: Neha Dilip Yadav

Workplace alienation is a growing concern in modern organizations where employees often feel disconnected from their work, colleagues, and organizational goals. This study aims to examine the effect of workplace alienation on employee performance, job satisfaction, and mental health. The research is conducted with special reference to Brihanmumbai Municipal Corporation (BMC), representing a large public sector organization with a structured work environment.
The study is based on both primary and secondary data. Primary data has been collected through a structured questionnaire using Google Forms from 40 respondents working in different organizations. Due to limited accessibility, direct responses from BMC employees could not be collected; however, the findings are generalized to similar work environments. Secondary data has been collected from journals, articles, and online sources.
The findings indicate that workplace alienation is mainly caused by lack of communication, limited pa

Paper Title A STUDY ON PATENT LICENSING IN PHARMACEUTICAL SECTOR
Author Name Praneet Pradeep Kadam
Country India
DOI https://doi.org/10.5281/zenodo.20082581
Page No. 87-92

Abstract View PDF Download Certificate
A STUDY ON PATENT LICENSING IN PHARMACEUTICAL SECTOR
Author: Praneet Pradeep Kadam

Patent licensing plays a crucial role in the pharmaceutical sector by balancing the need to encourage innovation with the necessity of ensuring access to medicines. Pharmaceutical companies invest significant resources in research and development to create new drugs, and patents provide them with exclusive rights that help recover these investments. This mechanism can facilitate technology transfer, promote collaboration, and expand the availability of medicines in different markets. However, patent licensing in the pharmaceutical industry also raises important concerns related to drug pricing, market competition, and public health.
This research paper examines the role and impact of patent licensing in the pharmaceutical sector, focusing on its influence on innovation, accessibility, and regulatory frameworks. The study explores different types of licensing arrangements, including voluntary licensing and compulsory licensing, and their implications for pharmaceutical companies and co

Paper Title TECHNICAL DEBT -ITS VARIOUS ASPECTS AND ITS COUNTER MEASURES
Author Name Ravi Kumar Ramachandran
Country India
DOI https://doi.org/10.5281/zenodo.20082665
Page No. 93-99

Abstract View PDF Download Certificate
TECHNICAL DEBT -ITS VARIOUS ASPECTS AND ITS COUNTER MEASURES
Author: Ravi Kumar Ramachandran

In this era of knowledge management and rapid technological transformation, the current industry is becoming increasingly dependent on technology and software development. Technical debt is an invisible and inevitable enemy every CTO needs to grapple with and bring it under control, else it could lead to huge losses. Though all technical debt is not detrimental, still it needs to be monitored considering the pace with which the technological advancements are happening. In this paper we will explore, the fundamental meaning of technical debt, its impact, the challenges in managing it and explore various countermeasures both technical and non-technical to bring it under control

Paper Title AI-DRIVEN RISK MANAGEMENT: APPLICATIONS IN INSURANCE UNDERWRITING, CREDIT APPRAISAL, AND STOCK BROKING.
Author Name Rohan Korgaonkar
Country India
DOI https://doi.org/10.5281/zenodo.20082720
Page No. 100-105

Abstract View PDF Download Certificate
AI-DRIVEN RISK MANAGEMENT: APPLICATIONS IN INSURANCE UNDERWRITING, CREDIT APPRAISAL, AND STOCK BROKING.
Author: Rohan Korgaonkar

The rapid advancement of AI has fundamentally transformed risk management, offering enhanced capabilities in risk identification, assessment, and mitigation. This study investigates the application and effectiveness of AI technologies — including machine learning, natural language processing, and predictive analytics — within financial sector risk management frameworks.
Drawing on primary data from risk managers, credit analysts, and compliance officers at banks, NBFCs, and insurance firms, the research examines five core objectives: AI's role in risk identification; comparative effectiveness of AI-driven versus traditional mitigation strategies; integration challenges within governance structures; AI's impact on real-time monitoring and decision-making; and ethical and regulatory implications of AI deployment. Two hypotheses are tested — whether AI adoption significantly enhances accuracy and efficiency in risk assessment, and whether AI-driven predictive models meaningfully reduce f

Paper Title RISK, RETURN, AND RESPONSIBILITY: INVESTOR BEHAVIOUR IN INDIA’S GREEN BOND MARKET
Author Name Saloni Nagvekar, Ajit Parab
Country India
DOI https://doi.org/10.5281/zenodo.20082793
Page No. 106-113

Abstract View PDF Download Certificate
RISK, RETURN, AND RESPONSIBILITY: INVESTOR BEHAVIOUR IN INDIA’S GREEN BOND MARKET
Author: Saloni Nagvekar, Ajit Parab

The study focuses on the growing green bond market in India and how investor behavior is influenced by risk perception, return expectations, and environmental responsibility. It uses secondary data from various sources for analysis. Findings show that green bonds are viewed as low-risk investments, especially government-backed ones, and yield similar returns to traditional government bonds, appealing to risk-averse investors. It notes the rising importance of Environmental, Social, and Governance (ESG) factors among institutional and foreign investors, while retail investor participation is limited due to a lack of awareness. The sustainable debt market is expected to exceed USD 55 billion by 2024 but faces challenges like transparency issues and greenwashing. Improved regulations, awareness, and diverse products are needed for greater market involvement

Paper Title A STUDY ON THE EFFECTIVENESS OF PRADHAN MANTRI JAN DHAN YOJANA IN IMPROVING ACCESS TO BANKING SERVICES
Author Name Krutdnya Ramchandra Padave
Country India
DOI https://doi.org/10.5281/zenodo.20082872
Page No. 114-119

Abstract View PDF Download Certificate
A STUDY ON THE EFFECTIVENESS OF PRADHAN MANTRI JAN DHAN YOJANA IN IMPROVING ACCESS TO BANKING SERVICES
Author: Krutdnya Ramchandra Padave

Financial inclusion constitutes one of the most strategically significant pillars of India’s developmental agenda, given the historical exclusion of large rural and economically marginalized populations from the formal banking ecosystem. The Pradhan Mantri Jan Dhan Yojana (PMJDY), launched in August 2014, represents the Government of India’s most ambitious initiative to operationalize universal financial access. This study examines the effectiveness of PMJDY in improving banking penetration, savings behavior, and beneficiary awareness, with emphasis on qualitative dimensions that aggregate policy metrics often overlook. Drawing on primary data from 46 respondents and secondary sources, the research evaluates account ownership, usage intensity, and beneficiary-reported challenges. Findings indicate an affirmative trend in banking inclusion, with 62% of respondents holding Jan Dhan accounts and 74% affirming the scheme’s positive impact. However, persistent structural frictions—inactive

Paper Title A CASE STUDY OF TAKEOVER BETWEEN FACEBOOK & INSTAGRAM
Author Name Shraddha Niranjan Pawar
Country India
DOI https://doi.org/10.5281/zenodo.20082943
Page No. 120-125

Abstract View PDF Download Certificate
A CASE STUDY OF TAKEOVER BETWEEN FACEBOOK & INSTAGRAM
Author: Shraddha Niranjan Pawar

This research paper presents a detailed case study of Facebook Inc.'s (now Meta Platforms Inc.) acquisition of Instagram in 2012. The primary focus is to analyse the strategic rationale behind the acquisition, its impact on both entities, and its broader implications for the social media industry. Initially valued at approximately $1 billion, the purchase was met with skepticism but is now widely regarded as one of the most successful tech acquisitions in history. This study utilizes a qualitative research methodology, relying on secondary data from financial reports, academic journals, and news archives. The analysis explores how Instagram evolved from a simple photo-sharing app into a marketing and e-commerce powerhouse under Meta's umbrella. Furthermore, it examines the antitrust concerns and the impact on market competition. The findings reveal that the acquisition was a defensive and offensive masterstroke that eliminated a rising competitor, secured Facebook's dominance, and crea

Paper Title A STUDY ON NATURALS ICE CREAM BY KAMATH HOW THEY SPREAD ICE CREAM CHAIN ALL OVER INDIA
Author Name Shubham Sanjay Shinde
Country India
DOI https://doi.org/10.5281/zenodo.20083010
Page No. 126-131

Abstract View PDF Download Certificate
A STUDY ON NATURALS ICE CREAM BY KAMATH HOW THEY SPREAD ICE CREAM CHAIN ALL OVER INDIA
Author: Shubham Sanjay Shinde

Naturals Ice Cream has emerged as one of India’s most distinctive brands in the food and beverage sector by focusing on natural ingredients, product quality, and authenticity. Founded in Mumbai, the company differentiated itself from competitors by offering ice creams made from fresh fruits, milk, and sugar without artificial additives. This study examines the expansion strategy of Naturals Ice Cream, analyzing how the company has grown while maintaining its core values and customer trust.
The research is based on both primary and secondary data. Primary data was collected through a structured questionnaire distributed via Google Forms to 30 respondents from different age groups. The survey aimed to capture customer perceptions regarding Naturals’ success factors, product strategy, and expansion approach. Secondary data was obtained from business articles, company websites, and case studies, providing insights into the brand’s history and philosophy.
The findings of the study reveal

Paper Title WORKPLACE MENTAL HEALTH CHALLENGES IN THE POST-PANDEMIC BUSINESS ENVIRONMENT
Author Name Taniya Kumari, Samridhi Gupta
Country India
DOI https://doi.org/10.5281/zenodo.20083063
Page No. 132-136

Abstract View PDF Download Certificate
WORKPLACE MENTAL HEALTH CHALLENGES IN THE POST-PANDEMIC BUSINESS ENVIRONMENT
Author: Taniya Kumari, Samridhi Gupta

The COVID-19 pandemic has significantly reshaped organizational work structures, employee expectations, and workplace dynamics across the world. While remote work, digital collaboration, and flexible work models have expanded rapidly, they have also introduced new mental health challenges for employees. Post-pandemic workplaces are witnessing increasing levels of stress, burnout, anxiety, and emotional exhaustion among employees. These mental health challenges have significant implications for employee productivity, organizational performance, and workforce sustainability. The present study examines workplace mental health challenges in the post-pandemic business environment and their impact on organizational outcomes. The research adopts a descriptive research design based on secondary data collected from academic studies, organizational reports, and global workforce surveys. Statistical evidence indicates that approximately 84% of employees have experienced at least one mental health

Paper Title AN ANALYTICAL STUDY OF PROFITABILITY, EMPLOYEE COST EFFICIENCY, AND FINANCE COST IMPACT IN INDIAN VS US AUTOMOBILE FIRMS
Author Name Varsha Sonalal Gupta
Country India
DOI https://doi.org/10.5281/zenodo.20083164
Page No. 137-141

Abstract View PDF Download Certificate
AN ANALYTICAL STUDY OF PROFITABILITY, EMPLOYEE COST EFFICIENCY, AND FINANCE COST IMPACT IN INDIAN VS US AUTOMOBILE FIRMS
Author: Varsha Sonalal Gupta

This study presents a comparative analysis of profitability, employee cost efficiency, and finance cost impact across four major automobile companies: Tata Motors and Mahindra & Mahindra (India), and Ford Motor Company and General Motors (USA). Using five years of secondary financial data (2021–2025), the research evaluates Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM), alongside Employee Cost Ratio (ECR) and Finance Cost Ratio (FCR). Correlation analysis is applied to examine how cost structures influence profitability. The findings offer actionable insights for investors, analysts, and management on the key drivers of financial performance in the global automobile industry

Paper Title A STUDY OF KITCHEN GARDENING TO BIG NUTRITION AWARENESS AT MMBGIMS
Author Name Vansh Jain
Country India
DOI https://doi.org/10.5281/zenodo.20083254
Page No. 142-147

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A STUDY OF KITCHEN GARDENING TO BIG NUTRITION AWARENESS AT MMBGIMS
Author: Vansh Jain

Tree plantation and kitchen gardening play a crucial role in protecting the environment and promoting healthy living. In the present era of rapid urbanization and environmental degradation, these practices have become increasingly important for ensuring ecological balance and human well-being. Planting trees contributes significantly to improving air quality by absorbing carbon dioxide and releasing oxygen, thereby reducing pollution levels. Trees also help in conserving biodiversity, preventing soil erosion, and maintaining the natural water cycle.
Kitchen gardening, on the other hand, enables individuals and families to grow fresh, nutritious, and chemical-free vegetables and fruits at home. It supports healthy eating habits and reduces dependence on commercially grown produce, which may contain harmful chemicals. Additionally, kitchen gardening promotes sustainable practices such as composting organic waste and efficient use of natural resources.
Together, tree plantation and kitc

Paper Title SYNERGY CREATED BY BUSINESS COLLABORATION IS HIGHLY APPRECIATED
Author Name Tejas Pravin Shetty
Country India
DOI https://doi.org/10.5281/zenodo.20083347
Page No. 148-152

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SYNERGY CREATED BY BUSINESS COLLABORATION IS HIGHLY APPRECIATED
Author: Tejas Pravin Shetty

In today’s competitive business world, collaboration has become an important factor for success. When companies work together, they create synergy, meaning the combined results are greater than individual efforts. Businesses often collaborate through partnerships, joint ventures and mergers to share resources, knowledge, and skills, which helps improve efficiency and innovation. This study focuses on Toyota Motor Corporation and its strong collaboration with suppliers. Toyota’s approach is based on trust, knowledge sharing and mutual growth, which has helped it achieve high performance and operational excellence. Based on secondary data from journals and case studies, the study shows that companies adopting collaborative practices are better able to adapt to changing market conditions and achieve stronger overall results

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