IOSR-JHSS   Volume-30 ~ Issue-6 ~ June 2025

Abstract: This research study explores the experience of micro finance ensuring inclusive growth via inclusive finance. For economic growth of a nation to be sustainable it requires all sections of the society included and participate in the growth process. The major objective of microfinance is to ensure, well-being and sustainable livelihood for poorest of the poor. In this context, the study evaluates the socio-economic impact of microfinance through Self-Help Groups on poor women in Himachal Pradesh. Formulation and functioning of self-help groups is one of the important mechanisms of.......

Key Word: Micro finance, Inclusive Growth, Financial Inclusion, Self-Help Groups, Himachal Pradesh

[1] Ahmad, P.S., Chaudhary, U. (2021). Microfinance And Socio-Economic Development Of Poor Families In Rural India: An Empirical Investigation. International Journal Of Management, 12(1), 610-619.
[2] Ahmad, R. (2017). Micro-Financing Though Self-Help Groups (S.G) In India And Policy Issues. International Journal Of Management And Applied Sciences, 3(3), 9-15.
[3] Aloysius, P.P. (2006). History And Spread Of The Self- Help Affinity Group Movement In India, Via Paolo Di Dono. International Fund For Agricultural Development.
[4] Awasthi,P.K., Rath, D., Sahu, V. (2001). Working And Impact Of Self- Help Groups On Economic Status Of Woman In Watershed Area Of Madhya Pradesh, Indian Journal Of Agriculture Economics, 56(3), 475-476.
[5] Balamurugan, P., & Selvaraj, D. A. (2014). Microfinance And Poverty Alleviation: An Analysis With Shgs Contribution. International Journal For Research In Management And Pharmacy, 3, 7-14

Abstract: Background: Mental challenges, also known as intellectual disabilities, are characterized by limitations in both intellectual functioning and adaptive behaviour. According to the American Psychiatric Association (2016), approximately 1% of the global population is affected by mental challenges, which can have a profound impact on their well-being and quality of life. Various factors, including biological, medical and environmental influences, can contribute to the development of mental challenges. Parents of children with mental challenges often encounter distinct.....

Keywords: Parenting; Mental challenges; Qualitative research; Support systems; Resilience

[1]. Ambikile, J. S., & Outwater, A. (2012). Challenges Of Caring For Children With Mental Disorders: Experiences And Views Of Caregivers Attending The Outpatient Clinic At Muhimbili National Hospital, Dar Es Salaam - Tanzania. Child And Adolescent Psychiatry And Mental Health, 6(16). Https://Doi.Org/10.1186/1753-2000-6-16
[2]. Auerbach, E., Perry, H., & Chafouleas, S. M. (2019). Stress: Family Caregivers Of Children With Disabilities. Uconn Collaboratory On School And Child Health. Https://Csch.Unconn.Edu/
[3]. Dimiton, I. P., & Porsara, M. J. K. (2022). Challenges Faced By Parents Of Disabled Children At Khulu Malang Memorial School With Special Needs, Thadlaboh Tyndowapung Jowai, West Jaintia Hills District, Meghalaya. International Journal Of Indian Psychology, 10(1), 489–504. Https://Doi.Org/10.25215/1001.047
[4]. Estella, L. (2024). Financial Strains And Caregiving: Economic Impact On Parents Of Children With Disabilities.
[5]. Hadebe, N. N. (2024). Caregivers’ Experiences Of Raising Children With Intellectual Disability In Umgeni Municipality, Kwazulu-Natal, South Africa. African Journal For Physical Activity And Health Sciences, 30(2).

Abstract: Understanding food insecurity requires a thorough exploration of the lived realities of those affected, to get a clearer picture of its scale and severity. Lived or self-reported data on hunger and food insecurity is vital for evaluating mitigation efforts and informing policy decisions regarding various aspects of food insecurity. The cross-sectional study among 391 Households using Household Food Insecurity Access Scale (HFIAS), reveals the emotional, cultural, and behavioral experiences of food insecurity experienced by Scheduled Tribe households in Kerala. The results highlight that.......

[1] Coates, J., Swindale, A., & Bilinsky, P. (2007). Household Food Insecurity Access Scale (HFIAS) For Measurement Of Food Access: Indicator Guide: Version 3.
[2] Farhadian, A., Chan, V. S., Farhadian, H., & Farhadian, H. (2015). Addressing Household Food Insecurity Using The Household Food Insecurity Access Scale (HFIAS) In A Poor Rural Community In Sabah, Malaysia. Int J Humanit Soc Sci Invent, 4(8), 89-100.
[3] Gebreyesus, S. H., Lunde, T., Mariam, D. H., Woldehanna, T., & Lindtjorn, B. (2015). Is The Adapted Household Food Insecurity Access Scale (HFIAS) Developed Internationally To Measure Food Insecurity Valid In Urban And Rural Households Of Ethiopia? BMC Nutrition, 1, 1-10.
[4] Grimaccia, E., Maggino, F., & Rao, J. M. (2022). On The Theory Of Measurement Of Experience-Based Food Insecurity At The Global Level. In Italian Studies On Food And Quality Of Life (Pp. 77-90). Cham: Springer International Publishing
[5] Hamelin, A. M., Beaudry, M., & Habicht, J. P. (2002). Characterization Of Household Food Insecurity In Quebec: Food And Feelings. Social Science & Medicine, 54(1), 119-132.

Abstract: Background: An emerging concept of tourism, offering people’s homes for staying on in vacation is popularly known as Homestay based Tourism. The present study tries to analyse the role of women in homestay based tourism. This form of tourism takes advantage of the local customs, culture and most importantly the natural beauty of the area. Tourists are encouraged to participate in activities of the host family, which gives it popularity compared to any other form of rural tourism. Thus, homestays are a model for originality and development in the tourism industry.......

Key Word: Homestay based Tourism, Role of Women, Culture, Custom, Socio – Economic Upliftment

[1] Acharya, B. P., & Halpenny, E. A. (2013). Homestays As An Alternative Tourism Product For Sustainable Community Development: A Case Study Of Women-Managed Tourism Product In Rural Nepal. Tourism Planning & Development, 10(4), 367-387.
[2] Bhan, S. And Singh, L. (2014).Homestay Tourism In India: Opportunities And Challenges. African Journal Of Hospitality, Tourism And Leisure, Vol. 3 (2).
[3] Kannegieser, I. (2015). A Home In The Hills: Examining The Socio – Economic Benefits Of Homestay Tourism On Rural Women And Their Communities In The Darjeeling District.[Independent Study Project]
[4] Misra, L. (2012). Role Of Home Stay In Promotion Of Rural Tourism In India.
[5] Sandhya Rani G. (2013). Recent Trends In Tourism Industry And Women, Vol: 3, Issue: 10, ISSN - 2249-555X..

Abstract: Examination of the relationship between personality types (five-factor model and its relationship) and career paths of TVET trainees in Kenya is critical. A correlational approach and regression analysis identified the association and regression line connecting independent and dependent variables. The targeted respondents were 1,007 individuals in seven purposely selected TVET institutions. A multi-stage random sampling method was used to select 321 respondents from this population. Data collection tools were questionnaires for TVET trainees and interview schedules for career masters/deans of students........

Key Word: five-factor model of personality, career paths, TVET trainees.

[1]. Ajila, C. O., Bello, B. A., & Felix, A. S. (2023). Correlates of Big Five personality traits and job performance of employees in selected banks in Ado-Odo/Ota Local Government Council, Ogun State, Nigeria. International Journal of Innovative Science, Engineering & Technology, 10(5).
[2]. Akosah-Twumasi, P., Alele, F., Emeto, T. I., Lindsay, D., Tsey, K., & Malau-Aduli, B. S. (2020). “Preparing them for the road”: African migrant parents’ perceptions of their role in their children’s career decision-making. Education Sciences, 10(5), 118. https://doi.org/10.3390/educsci10050118
[3]. Akosah-Twumasi, P., Emeto, T. I., Lindsay, D., Tsey, K., & Malau-Aduli, B. S. (2018). A systematic review of factors that influence youths’ career paths—the role of culture. Frontiers in Education, 3, 58. https://doi.org/10.3389/feduc.2018.00058.
[4]. Alkhelil, A. H. (2016). The relationship between personality traits and career paths: A case study of secondary school students. International Journal of Academic Research in Progressive Education and Development, 5(2), 115–122

Abstract: Archaeological research into the necropolises of south-eastern Arabia has led to advances in the knowledge of the demography and mortality of Late Bronze Age populations. The Al-Qusais necropolis, with 126 burials currently exposed, has become a reference site for understanding the interaction between members of the same community. The manner in which inhumation was practiced suggests that there were neither marked inequalities nor significant distinctions between children and adults. The same recurrent traits can be observed, as well as identical anatomical positions of the deceased during burial. In the case of the children, all but one were with an adult........

Key Word: Late Bronze Age, Early Iron Age, bioarchaeology, anthropology, infant mortality, funeral rites, necropolis, Arabian Peninsula.

[1]. Al Tikriti, W.Y. (2022). Qidfa‘1: Excavation of a Late Prehistoric Tomb, Fujairah Emirate, United Arab Emirates. Oxford: Archaeopress.
[2]. Al-Jahwari, N. S., Yule, P. A., Douglas, K. A., Pracejus, B., Al-Belushi, M. A., & Elmahi, A. T. (2021). The Early Iron Age metal hoard from the Al Khawd area (Sultan Qaboos University) Sultanate of Oman. Muscat: Ministry of Heritage and Culture of the Sultanate of Oman. https://doi.org/10.2307/j.ctv26bgx0n
[3]. Angelici, F., Coppa, A. & Genchi, F. (2023). The collective tombs of Daba (LCG1 and LCG2) (Musandam, Sultanate of Oman) from the Bronze Age to the Iron Age: skeletal population analysis. Proceedings of the Seminar for Arabian Studies, 53.
[4]. Barker, D. (2001). Stone, paste, shell and metal beads from Sharm. Arabian Archaeology and Epigraphy, 12(2), 202-222. https://doi.org/10.1034/j.1600-0471.2001.d01-6.x
[5]. Baustian, K. & Martin, D.L. (2010). Patterns of Mortality in a Bronze Age Tomb from Tell Abraq, in L. Weeks (ed.) Death and burial in Arabia and beyond. Multidisciplinary perspectives (pp. 55-9). Archaeopress.

Abstract: The Indian Education System existing before NEP 2020 placed a strong emphasis on theoretical subjects, depriving students of practical experience and a big barrier to taking advantage of global employment prospects. The 20th century has been dubbed the “the computer era.” As the digital age expands and present managerial views to meets its expanding demands, the educational system is the one that gets the least attention while being an enormous burden for developing country such as India. To accelerates the expansion of Indian education industry, after a protracted wait of 34years, the Indian union cabinet agreed the final draft of 66 pages and approved the recently implemented education strategy on july29, 2020, outlining the concept of India’s new academic system........

Key Word: NEP 2020, management and commerce education, educational system

[1]. P.S Aithal & Shubrajyotsna Aithal, (2020), “Analysis of the Indian National Education Policy 2020 towards Achieving its Objectives”. International Journal of Management, Technology, and Social Sciences (IJMTS), Vol 5, Issue. 2, pp. 19-41.
[2]. Dr. Sarika Kumari, (2020), “NEP 2020 challenges to Teacher Education”. International Journal of Applied Research, vol 6, Issue. 10, pp. 420-424.
[3]. Rohatgi, Anubha (7 Aug 2020), “Highlights / NEP will play role in reducing gap between research and education in India: PM Modi”, Hindustan Times
[4]. Krishna, Atul (29 July 2020), “NEP 2020 Highlights: School and Higher Education”, NDTV.
[5]. Sinha & K.S. Subramanian (2013), “Accreditation in India: path of achieving educational excellence. Business education & accreditation, 5(2), pp. 107-116.