IOSR-JBM   Volume-27 ~ Issue-9 ~ September 2025

Abstract: Background: The contemporary educational landscape requires pedagogical practices that integrate multiple fields of knowledge, foster collaboration, and promote the development of students’ critical thinking. Multidisciplinary clubs of reading, science, art, and mathematics provide a fertile environment for such integration, offering opportunities to explore teaching mediation, active methodologies, and sustainability principles (ESG) as interconnected elements in meaningful learning......

Key Word: teaching mediation; active methodologies; multidisciplinary clubs; meaningful learning.

[1]. Emanuel, B., & Martins, B. (2022). Design & School: Designing Teaching-Learning Practices (1st Ed.). Ed. Dos Autores. ISBN 978-65-00-54161-8.
[2]. Borges, G. P. (2024). Literary Literacy: The Reading Club In The Formation Of The Young Reader (Master’s Thesis, UNESP, Assis).
[3]. Brazil. (2024). Mathematical Literacy Club. Brasília: National Steering Committee Of The Adolescence School Program (CONAPEA)/MEC.
[4]. Brazil. (2024). Literary And Corporeality Literacy Club. Brasília: National Steering Committee Of The Adolescence School Program (CONAPEA)/MEC.
[5]. Campos, S. D., & Gomes, R. L. R. (2022). The Importance Of Cooperative Learning As An Educational Philosophy. Revista Atlante: Cuadernos De Educación Y Desarrollo, 14(8), 33–47. Https://Doi.Org/10.51896/Atlante/Ahzg4752

Abstract: Commercial banks are essential for the Kenyan economy since they make significant contributions to its growth and development. Empirical data from the Central Bank of Kenya shows that the commercial banking industry has experienced fluctuations in profitability for the period covering 2013 through 2023 despite the bank-specific factors being in line with regulatory expectations hence, the effect of such factors on bank-profitability remains an issue for further investigation. Accordingly, the purpose of the study was to determine the moderating effect of market power on the relationship between bank-specific characteristics and profitability of commercial banks in Kenya. The study was anchored on the Profit Maximization Theory......

Key Word: Bank Size, Capital Adequacy, Liquidity, And Asset Quality

[1]. Akims (2020). Fundamental Risk Factors And Profitability Of Commercial Banks In Nigeria. A Thesis Submitted To The School Of Business In Partial Fulfillment Of The Requirements For The Award Of The Degree Of Doctor Of Philosophy In Finance Of Kenyatta University.
[2]. Akinkunmi, M. A. (2017). Determinants Of Banks’ Profitability In Nigeria: Does Relative Market Power Matter? Journal Of Finance And Bank Management, 5(1), 42-53.
[3]. Alhaddad, M., & Kurşunel, F. (2021). The Determinants Of Profitability In Commercial And Islamic Banks In Yemen. International Social Sciences Studies Journal, 7, 5057–5073. Https://Doi.Org/10.26449/Sssj.3645
[4]. Ariss, R. T. (2010). On The Implications Of Market Power In Banking: Evidence From Developing Countries. Journal Of Banking & Finance, 34(4), 765-775.
[5]. Aziz, L. H., Siregar, H., Achsani, N. A., & Irawan, T. (2024). The Moderating Impact Of Market Power On The Relationship Between Market Share And Banking Profitability. Journal Of Ecohumanism, 3(8), 7802-7830.

Abstract: Voluntary attrition remains a critical challenge for global corporate organizations, often resulting in talent loss, increased recruitment costs, and disruption of organizational continuity. This study investigates the role of influential leadership practices in reducing employees’ intention to voluntarily leave, focusing on trust-building, recognition, empowerment, and career development support. A quantitative research design was employed, with data collected......

Key Word: Influential leadership, Employee retention, Voluntary attrition, Career development support, Organizational commitment

[1]. Almas, S., Chacón-Fuertes, F., & Pérez-Muñoz, A. (2020). Direct And Indirect Effects Of Transformational Leadership On Volunteers’ Intention To Remain At Non-Profit Organizations. Psychosocial Intervention, 29(3), 125–132.
[2]. Amah, O. E., & Oyetuunde, K. (2020). The Effect Of Servant Leadership On Employee Turnover In Smes In Nigeria: The Role Of Career Growth Potential And Employee Voice. Journal Of Small Business And Enterprise Development, 27(6), 885–904.
[3]. Andrade, Y. (2022). Leadership Strategies That Reduce Voluntary Turnover Among Millennials (Doctoral Dissertation, Walden University). Walden Dissertations And Doctoral Studies.
[4]. Bibi, P., Ahmad, A., & Majid, A. H. A. (2018). The Impact Of Training And Development And Supervisor Support On Employees’ Retention In Academic Institutions: The Moderating Role Of Work Environment. Gadjah Mada International Journal Of Business, 20(1), 113–131.
[5]. Cialdini, R., Li, Y. J., Samper, A., & Wellman, N. (2021). How Bad Apples Promote Bad Barrels: Unethical Leader Behavior And The Selective Attrition Effect. Journal Of Business Ethics, 168(4), 861–880

Abstract: For any new business ventures, digital marketing becomes crucial due to its efficient nature of being productive online. Any kind of online marketing is popularly called as Digital Marketing. Thus, companies use different kinds of digital technologies with the intent to market wide variety of services or products. Internet is one of the engaging mediums to market a company’s products and services, as it reaches out to larger group of audience in a single click. Different kinds of digital marketing elements are used in a new business, and these can largely impact customer purchasing......

Key Word: Digital Marketing, Digital Marketing Elements, Challenges, Customer Purchase Decision, New Business

[1]. T Afrina Et Al. (2015) “Effectiveness Of Digital Marketing In The Challenging Age: An Empirical Study”, International Journal Of Management Science And Business Administration, 1(5), 69-80
[2]. Gangeshwer, D. K.(2013). E-Commerce Or Internet Marketing: A Business Review From Indian Context” , International Journal Of U- And E- Service, Science And Technology 6(6),187-194
[3]. Malik, R. (2017). An Empirical Study Of Digital Marketing And Its Elements. IJSRST, 3, 715-718.
[4]. Bhojaraja, D. M. (2018). Challenges And Opportunities In Digital Marketing. IAETSD J. Adv. Res. Appl. Sci, 5(1).
[5]. Dastane, D. O. (2020). Impact Of Digital Marketing On Online Purchase Intention: Mediation Effect Of Customer Relationship Management. Journal Of Asian Business Strategy, DOI, 10, 142-158.

Abstract: This paper examines whether the expanded BRICS+ configuration can meaningfully challenge Western (G7/Euro-Atlantic) dominance in global trade and finance, with a special focus on India’s role. It synthesizes theory and recent evidence on South–South cooperation, de‑risking from the U.S. dollar, alternative financing through the New Development Bank (NDB), and supply‑chain reconfiguration. We assess trade, payments, finance, energy, technology, and standards, and present three scenarios to 2030—Incremental Plurality, Dual System, and Fragmented......

Key Word: BRICS+, India, Global South, de‑dollarization, NDB, South–South trade, standards, local currency settlement, strategic autonomy

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Abstract: Resumo O presente estudo tem como objeto de análise as práticas pedagógicas na Educação de Jovens e Adultos (EJA) integrada à Educação Profissional e Tecnológica (EPT). O principal objetivo é compreender como essa integração contribui para a transformação social e profissional dos alunos, além de identificar as metodologias mais eficazes para atender às necessidades desse público. A pesquisa se propôs a avaliar as políticas públicas que sustentam esse modelo educacional e os desafios enfrentados na implementação de práticas pedagógicas inovadoras. Para isso, adotou-se uma abordagem qualitativa, com uma revisão bibliográfica que envolveu a análise de artigos.....

[1]. Brasil. Lei Nº 9.394, De 20 De Dezembro De 1996. Estabelece As Diretrizes E Bases Da Educação Nacional. Diário Oficial Da União, Brasília, Df, 1996[2].
Ferreira, João. Tecnologias Educacionais Na Eja-Ept: Desafios E Perspectivas. Revista De Tecnologias Educacionais, V. 14, N. 2, P. 90-105, 2025.
[3]. Gomes, Roberto. Políticas Públicas Para A Eja-Ept: Avanços E Desafios. Educação E Sociedade, V. 46, N. 165, P. 100-115, 2024.
[4]. Martins, Clara. Inclusão Social E Eja-Ept: Uma Análise Crítica. Revista Brasileira De Inclusão Social, V. 8, N. 2, P. 45-59, 2025.
[5]. Oliveira, Maria De Fátima. Metodologias Ativas Na Eja: Práticas Pedagógicas Inovadoras. Revista Brasileira De Educação, V. 25, N. 3, P. 45-60, 2021.

Abstract: This research study attempts to understand the shift in the dynamic role of women entrepreneurs from conventional business undertakings to sustainable e-businesses models. With the advancement in technology and shift in digital economy fempreneurs of the country progressed in their business endeavours by adopting green initiatives like that of green packaging, efficient allocation of resources, integrating zero waste practices and circular economy principles. However, the success......

Key Word: Women Entrepreneurs, E-commerce Sector, Sustainable Practices, Inclusive Growth, Economic Empowerment

[1]. Vasan, M. (2016). Problems And Prospects Of Women Entrepreneurs In India. Shanlax International Journal Of Management, 3(1), 312-315.
[2]. Shah, M. V. (2024). The Role Of E-Commerce In Shaping India's Economic Landscape. Educational Administration: Theory And Practice, 30(1), 01-08.
[3]. Williams, C. C., & Gurtoo, A. (2011). Women Entrepreneurs In The Indian Informal Sector: Marginalisation Dynamics Or Institutional Rational Choice? International Journal Of Gender And Entrepreneurship, 3(1), 6–22
[4]. Rajamani, S. (2022). Women Entrepreneurship In India: Challenges And Opportunities. International Journal Of Health Sciences, 6(S1), 12027–12034
[5]. Udaiti Foundation. (2024). Impact On The 'Missing Middle' Of Women Entrepreneurs In India. Udaiti Foundation. Backend.Udaiti.Org

Abstract: Empirical data from the Central Bank of Kenya shows that the commercial banking industry has experienced fluctuations in profitability for the period covering 2013 through 2023 despite banks keeping their non-performing loans to loans ratio within the acceptable level thus, the effect of loan performance on profitability remains an issue subject to further inquiry. In this regard, the rationale of this research was to establish the effect of asset quality......

Key Word: Asset Quality, Profitability, Non-performing Loans, Total loans

[1]. Al Zyood, D. M. M. A. Z. (2022). Impact Of Non-Performing Loans On Saudi Bank Profitability. Indian Journal Of Economics And Finance, 2(2), 21–24. Https://Doi.Org/10.54105/Ijef.D2521.111422
[2]. Alhaddad, M., & Kurşunel, F. (2021). The Determinants Of Profitability In Commercial And Islamic Banks In Yemen. International Social Sciences Studies Journal, 7, 5057–5073. Https://Doi.Org/10.26449/Sssj.3645
[3]. Amararathne, U. H. H., & Wanigasuriya, W. M. T. . (2022). Determinants Of Profitability Of Listed Commercial Banks In Sri Lanka. Statistics And Information Management, 1(1), 39–54. Www.Sab.Ac.Lk/Sljesim
[4]. Amirul, I., Ullah, A. K. . M., Ashikur, R. A., & Ashanuzzaman. (2022). Assessing The Impact Of Liquidity On Profitability: Specific To The Banking Industry Of Bangladesh. Journal Of Business Studies, 03(01), 257–269.
Https://Doi.Org/10.58753/Jbspust.3.1.2022.15
[5]. Anggreni, N. K., & Rahyuda, H. (2021). Capital Adequacy Ratio, Net Interest Margin, And Loan To Deposit Ratio On Profitability Of Microfinance Institution. Empirical Study At Kintamani, Bali, Indonesia). American Journal Of Humanities And Social Sciences Research, 5, 567–571. Www.Ajhssr.Com

Abstract: Artificial intelligence (AI) is increasingly transforming human resource management; however, its application in labor-intensive sectors within developing countries remains markedly constrained. The ready-made garment sector in Bangladesh, which employs over four million working people and is pivotal to national exports, faces significant obstacles in adopting AI, including inadequate digital infrastructure, insufficient technical training, and constant organizational resistance to change. The challenges are intensified by inadequate AI expertise among human......

Key Word: Artificial Intelligence, Human Resource Readiness, AI Self-Efficacy, Ready-Made Garments, Bangladesh, AI Adoption

[1]. Adams, R. J., Smart, P., & Huff, A. S. (2016). Shades Of Grey: Guidelines For Working With The Grey Literature In Systematic Reviews For Management And Organizational Studies. International Journal Of Management Reviews, 19(4), 432–454.
Https://Doi.Org/10.1111/Ijmr.12102
[2]. Adeosun, O. T., & Adegbite, W. (2022). Human Resource Professionals And Readiness For The Future Of Work. EUREKA: Social And Humanities, (5), 39-50. Https://Doi.Org/10.21303/2504-5571.2022.002486
[3]. Apriorit. (2024). Challenges In AI Adoption And Key Strategies For Managing Risks. Https://Www.Apriorit.Com/Dev-Blog/Ai-Adoption-Challenges-And-Strategies
[4]. Armenakis, A. A., & Harris, S. G. (2009). Reflections: Our Journey In Organizational Change Research And Practice. Journal Of Change Management, 9(2), 127-142.
[5]. Baker, J. (2011). The Technology–Organization–Environment Framework. Information Systems Theory, 28, 231–245. Https://Doi.Org/10.1007/978-1-4419-6108-2_12

Abstract: This study examines the effect of change management strategies on financial accountability at the National Youth Service (NYS) in Kenya, with a specific focus on the NYS Gilgil. Using a descriptive research design, data was collected from 175 respondents through structured questionnaires, achieving an 83.7% response rate. The study investigated four key strategies: procurement, internal controls, budget control, and stakeholder engagement. Multiple regression analysis revealed that all four strategies significantly influenced financial accountability, with......

Key Word: Procurement, Internal Control, Budget Control, Stakeholder Engagement, Financial Accountability

[1]. Akeke, M. M. N. G., Atah, C. A., & Akaniniene, D. D. (2024). The Impact Of Budget Implementation And Evaluation On Small-Scale Enterprise Operations In Nigeria. International Journal Of Economics And Financial Management, 9(1), 96-107.
[2]. Ardiana, P. A. (2022). Meaningful Stakeholder Engagement For Sustainability Reporting: A Conceptual Exploration. Journal Of Sustainability Research, 4(2), E220001. Https://Doi.Org/10.20900/Jsr20220001
[3]. Armenakis, A. A., & Bedeian, A. G. (1999). Organizational Change: A Review Of Theory And Research In The 1990s. Journal Of Management, 25(3), 293-315.
[4]. Bosibori, M. L., Omoro, N., & Kinyua, H. W. (2023). Budget Utilization And Performance Of County Governments In Nyanza Region, Kenya. African Development Finance Journal, 5(2), 124-172.
[5]. Breusch, T. S., & Pagan, A. R. (1979). A Simple Test For Heteroscedasticity And Random Coefficient Variation. Econometrica, 47(5), 1287-1294..