IOSR-JHSS   Volume-31 ~ Issue-4 ~ April 2026

Abstract: This paper examines how principles of behavioral economics influence financial decision-making in both retail and corporate banking. While classical economics assumes rational behavior, behavioral economics demonstrates that cognitive biases, heuristics, and emotional factors shape individual and group decisions. In retail banking, biases such as present bias, loss aversion, and overconfidence affect savings, investment, and interactions with FinTech platforms. Banks and FinTech companies leverage these insights through mechanisms like automated savings, goal-based nudges, personalized alerts, and smart budgeting to guide consumers....

Keywords: Behavioral economics, retail banking, corporate banking, financial decision-making, cognitive biases, nudges, FinTech

[1]. Beatty, A., Moffitt, R. And Buttenheim, A. (2023). Development Of Behavioral Economics. [Online] Www.Ncbi.Nlm.Nih.Gov. Available At: Https://Www.Ncbi.Nlm.Nih.Gov/Books/NBK593518/
[2]. Canady, T. (2019). Making Sense Of Market Anomalies. [Online] Investopedia. Available At: Https://Www.Investopedia.Com/Articles/Stocks/08/Market-Anomaly-Efficient-Market.Asp.
[3]. Conde, A. And White, M. (2024). What Is Anchoring Bias In Investing? [Online] Smartasset.Com. Available At: Https://Smartasset.Com/Investing/Anchoring-Bias-In-Investing
[4]. Dhoke, M. (2024). Personalfn. [Online] Www.Personalfn.Com. Available At: Https://Www.Personalfn.Com/Dwl/Financial-Planning/4-Behavioural-Biases-That-Can-Negatively-Impact-Your-Wealth-Creation-Journey
[5]. Drew, C. (2023). Overconfidence Bias: 25 Examples (And Some Benefits!) (2023). [Online] Helpfulprofessor.Com. Available At: Https://Helpfulprofessor.Com/Overconfidence-Bias-Examples-Benefits/

Abstract: Contextualização: A escola do campo constitui um espaço de produção de saberes, cultura, pertencimento e identidade, o que exige práticas pedagógicas que reconheçam a realidade dos estudantes como ponto de partida para a aprendizagem. No ensino de Língua Espanhola, essa perspectiva mostra-se especialmente relevante, uma vez que possibilita articular o estudo do idioma aos conhecimentos prévios dos educandos, favorecendo a aprendizagem significativa, a valorização da cultura local e o protagonismo estudantil. Objetivo: Refletir sobre práticas pedagógicas desenvolvidas no componente curricular de Língua Espanhola com turmas de 7º e 8º ano do Ensino Fundamental em uma escola do campo, evidenciando.....

Keywords: Aprendizagem Significativa; Educação Do Campo; Língua Espanhola; Cultura Maker; Pertencimento.

[1]. Ausubel DP, Novak JD, Hanesian H. Psicologia Educacional. 2. Ed. Rio De Janeiro: Interamericana; 1980.
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[5]. Braun V, Clarke V. Using Thematic Analysis In Psychology. Qualitative Research In Psychology. 2006;3(2):77-101.

Abstract: HRM in Indian agriculture is transitioning from a traditional administrative role to a strategic function aimed at up-skilling the rural workforce for a high-value, tech-enabled agricultural economy. While overall production remains high, HRM is key to addressing productivity gaps in the labour-intensive sector. As India enters several themes will shape the next phase of growth and demand the same level of pragmatism. They are expected to receive significant attention and investment, driving growth and development. Every common man is looking forward to relief in tax slabs, affordable housing, healthcare, employment and education.....

Keywords: Economics growth, Employment, Education, Infrastructure development etc.

[1]. The Economic Survey 2025-26, Agricultural And Processed Food Products Export Development Authority (APEDA), Department Of Commerce And Industry, Union Budget 2025-26,
[2]. Union Budget 2017–18, Press Information Bureau, Ministry Of Statistics And Programme Implementation, Press Releases, Media Reports, Ministry Of Agriculture And Farmers Welfare, Crisil.
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Abstract: The Agni Mahāpurāṇa, one of India’s renowned Mahāpurāṇas, provides a systematic account of Yoga which integrates ethical conduct, bodily control, consciousness, and spiritual learning. This article examines the aspects of Aṣṭāṅga Yoga that exist in Agni Purāṇa, with yama and niyama as moral disciplines, āsana and prāṇāyāma as principles of physical and psychological steadiness, and the higher limbs, pratyāhāra, dhāraṇā, dhyāna, and samādhi as learners in terms of inner understanding.....

Keywords: Agni Mahāpurāṇa, Aṣṭāṅgayoga, yama–niyama, nāḍī–cakra, ajapājapa, dharma.

[1]. Baba Bangali, Yogasūtra Of Pataῆjali With The Commentary Of Vyāsa. Delhi (India): Motilal Banarasidass; 2024.
[2]. Bhatt GP (Ed.), And Gangadharan N (Trans. And Annot.). Ancient Indian Tradition And Mythology: The Agni Purāṇa, Vol 30, Part 4, Delhi: Motilal Banarasidass;2023.
[3]. Dutt MN (Trans.), Joshi KL (Ed.). Śrī Vedavyāsa’s Agni Mahāpurāṇam Vol 1, Part 1, Delhi: Parimal Publications;2023.
[4]. Dutt MN (Trans.), Joshi K.L. (Ed.). Śrī Vedavyāsa’s Agni Mahāpurāṇam, Vol. 2, Part 2, Delhi: Parimal Publications;2023.
[5]. Muktibodhananda Swami, Haṭha Yoga Pradīpikā. Bihar: Yoga Publications Trust;2012.

Abstract: Over the years, blended families have increased mainly due to increased rates of divorce and remarriage. This study examines the prevalence of blended family structures among students from selected private universities in Nairobi City County, Kenya. The study used a convergent parallel mixed-methods design, with data being collected from a population of 380 university students aged 18–35 years from four selected Kenyan universities through multistage sampling. Both quantitative and qualitative data were collected using a semi-structured questionnaire, which included items adapted from the Family Environment Scale (FES) and the Family Assessment Device (FAD). Quantitative data were analyzed using descriptive statistics....

Keywords: Blended families, prevalence, family structure, step-parents, step-siblings, university students, Nairobi City Council, Kenya

[1]. Ayadi, N., Fatehizade, M., & Etemadi, O. (2025). Challenges Of The Transition Process From Divorce To Remarriage: A Qualitative Meta-Synthesis. Current Psychology: A Journal For Diverse Perspectives On Diverse Psychological Issues. Advance Online Publication. Https://Doi.Org/10.1007/S12144-025-08006-4
[2]. Ayadi, R., Lassi, Z., & Rizvi, A. (2025). Historical Perspectives On Remarriage And Family Formation In Agrarian Societies. Journal Of Family History, 50(2), 145-162.
[3]. Baker, K. K. (2023). Making Some Sense Of The Constitutional Family. Washington University Journal Of Law & Policy. Retrieved From Http://Works.Bepress.Com/Katharine_Baker/43/
[4]. Bean, R. C., Ledermann, T., Higginbotham, B. J., & Galliher, R. V. (2020). Associations Between Relationship Maintenance Behaviors And Marital Stability In Remarriages. Journal Of Divorce & Remarriage, 61(1), 62-82.
Https://Doi.Org/10.1080/10502556.2019.1619385

Abstract: This article looks at the psychological descent experienced by the protagonists in three novels by Haruki Murakami—A Wild Sheep Chase, Dance Dance Dance, and The Wind-Up Bird Chronicle. What I am arguing is not that Murakami “teaches” psychology in any formal sense, but that he repeatedly stages the same basic emotional crisis: a man who is quietly neurotic—sometimes numb, sometimes simply drifting—is gradually pulled into a world that no longer behaves in a stable or predictable way. Murakami’s narrators begin in ordinary spaces—kitchens, apartments, hotel lobbies, trains—but those spaces slowly reveal hidden layers of violence.....

Keywords: Haruki Murakami; neurosis; death instinct; Freud; Jung; psychological descent

[1]. Clark, L.E. (2017). Heteroglossic Masculinity In Harkuki Murakami’s ‘A Wild Sheep Chase.’ New Voices In Japanese Studies, Vol. 9, 94-115.
[2]. Depsi, A., Erkin, H.C. (2021). Individuation Process And “Shadow” In Murakami Haruki’s “Dance Dance Dance.” DEU SBE Dergisi, 23-4, 1419-1438.
[3]. Freud, S. (1955). The Uncanny. In J. Strachey (Ed. & Trans.), The Standard Edition Of The Complete Psychological Works Of Sigmund Freud (Vol. 17). Hogarth Press. (Original Work Published 1919)
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[5]. Fuminobu, M. (2005). Postmodernist Fiction, Surrealism, And The Transnational Imagination In Murakami Haruki. Routledge.

Abstract: The Igbo Indigenous Entrepreneurship model known as the Igbo Apprenticeship Scheme (Igba Boi) has a rich history. The Nigerian/Biafran civil war which ended in 1970 caused series of economic damages to the Igbo nation. Their properties were largely destroyed, civil servants lost their jobs, and businesses suffered a great damage. The Igbo nation, in order to help rebuild what they lost during the war, began to introduce their own unique style of apprenticeship systems known as .....

[1]. Adekola, G. (2013). Traditional Apprenticeship In The Old Africa And Its Relevance To Contemporary Work Practice In Modern Nigerian Communities. British Journal Of Education, Society & Behavioral Science, 3:397-406.
[2]. Anambra Broadcasting Services. (2022). National Summit On Igbo Apprenticeship Scheme, 11th March, 2022.
[3]. Bright, I. U. (2020). Changes And Continuities In Traditional Bone Setting In Umuduruobi, Ofekataorodo Autonomous Community. Undergraduate Research Thesis, History Department, Imo State University (Unpublished), 36-37.
[4]. Chibuike, C. I. (2023). Personal Interview At His Shop Located At Douglas Road, Owerri, Imo State Nigeria, Tuesday, 5th December, 2023.
[5]. Ikenna, U. (2023). Personal Interview At His Hometown At Mbaitoli Local Government Area, Imo State, Nigeria, Thursday, December, 2023.

Abstract: Healthcare financing reforms till today still receive much attention in developing and some developed countries. However, out-of-pocket payment still takes a large portion of total health expenditure and in a case where such payments involve expenditures above some given proportion of household resources; they are often deemed ‘catastrophic’. Literatures abound on this subject matter but it is still not exhaustive therefore, this current study comes in.....

Keywords: Government spending, effect, incidence, catastrophic, out-of-pocket, health expenditure, households, Nigeria

[1]. Adinma, E.D. & Adinma, B. J. (2010). Community Based Healthcare Financing: An Untapped Option To A More Effective Healthcare Funding In Nigeria. Nigerian Medical Journal, 51, 95-100.
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Ataguba, J. E. (2012). Distributional Impact Of Healthcare Finance In South Africa: A Thesis Presented For The Degree Of Doctor Of Philosophy, Department Of Economics, University Of Cape Town, South Africa.
[4]. Ataguba, J. E. (2012). Reassessing Catastrophic Healthcare Payments With A Nigerian Case Study. Health Economics, Policy And Law 7(3):309-326. DOI: 10.1017/S1744133110000356
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Abstract: Substance Use Disorders (SUDs) in India’s elderly population are growing as a public health concern but often compounded by delayed diagnosis and comorbidities. Traditional screening and treatment approaches fail to capture the subtle age-related manifestations of substance misuse, underscoring the need for innovative and effective solutions. Recent advances, particularly audio-assisted methods that analyze voice, speech and acoustic markers.....

Keywords: audio biomarkers. substance use disorders, voice analysis, artificial intelligence, india, personalized care

[1]. Author’s Last Name, Initial(S). (Year Of Publication). Title Of The Book. Publisher. Https://Doi.Org/DOI
[2]. Agurto, C., Cecchi, G. A., Norel, R., Ostrand, R., Kirkpatrick, M., Baggott, M. J., Wardle, M. C., De Wit, H., & Bedi, G. (2020). Detection Of Acute 3,4-Methylenedioxymethamphetamine (MDMA) Effects Across Protocols Using Automated Natural Language Processing. Neuropsychopharmacology, 45(5), 823–832. Https://Doi.Org/10.1038/S41386-020-0620-4
[3]. Ayadi, H., Elbéji, A., Despotovic, V., & Fagherazzi, G. (2024). Digital Vocal Biomarker Of Smoking Status Using Ecological Audio Recordings: Results From The Colive Voice Study. Digital Biomarkers, 8(1), 159–170. Https://Doi.Org/10.1159/000540327
[4]. Benegal, V., Chand, P. K., & Murthy, P. (2020). Telephonic Brief Intervention For Alcohol Use Disorders In India. Addictive Behaviors Reports, 12, 100245. Https://Doi.Org/10.1016/J.Abrep.2020.100245
[5]. Chatterjee, S., & Singh, A. (2021). Digital Adoption Among Older Adults In India: Barriers And Facilitators. Journal Of Geriatric Mental Health, 8(2), 123–130.

Abstract: Background: Datafication of education has become a central phenomenon in contemporary educational contexts, as the expansion of digital platforms, virtual learning environments, and monitoring systems has increasingly transformed pedagogical interactions, student performance, and learning trajectories into analyzable data. This process has intensified debates about its effects on pedagogical practices, assessment processes, and teacher autonomy, especially in...

Keywords: datafication of education; learning analytics; educational assessment; pedagogical practices; teacher autonomy.

[1] ALZOUBI, Dana; BARAN, Evrim. A Closer Look At Instructor Use And Sensemaking Processes Of Analytics Dashboards: Past, Present, And Future. Journal Of Learning Analytics, V. 11, N. 2, P. 1-22, 2024. DOI: 10.18608/Jla.2024.7961.
[2] BANIHASHEM, Seyyed Kazem; NOROOZI, Omid; VAN GINKEL, Stan; MACFADYEN, Leah P.; BIEMANS, Harm J. A. A Systematic Review Of The Role Of Learning Analytics In Enhancing Feedback Practices In Higher Education. Educational Research Review, V. 37, 100489, 2022. DOI: 10.1016/J.Edurev.2022.100489.
[3] CABI, Emine; TÜRKOĞLU, Hacer. The Impact Of A Learning Analytics Based Feedback System On Students’ Academic Achievement And Self-Regulated Learning In A Flipped Classroom. The International Review Of Research In Open And Distributed Learning, V. 26, N. 1, P. 175-196, 2025. DOI: 10.19173/Irrodl.V26i1.7924.[4]
DAI, Wei; LIN, Jionghao; JIN, Flora Ji-Yoon; TSAI, Yi-Shan; SRIVASTAVA, Namrata; LE BODIC, Pierre; GAŠEVIĆ, Dragan; CHEN, Guanliang. Learning Analytics For Early Identification Of At-Risk Students And Feedback Intervention. Journal Of Learning Analytics, V. 12, N. 3, P. 102-125, 2025. DOI: 10.18608/Jla.2025.8735.
[5] DE VREUGD, Lars; VAN LEEUWEN, Anouschka; JANSEN, Renée; VAN DER SCHAAF, Marieke. Learning Analytics Dashboard Design And Evaluation To Support Student Self-Regulation Of Study Behaviour. Journal Of Learning Analytics, V. 11, N. 3, P. 249-262, 2024. DOI: 10.18608/Jla.2024.8529

Abstract: This article explores the historical significance of śuddha madhyama in the rāga Sāraṅga in Karnāṭak Music by tracing the unique role of gāndhāra in occupying the śuddha madhyama position in early sources. It examines how this distinctive feature appears consistently across North Indian treatises and early South Indian works, emphasizing its role in defining the traditional identity of the rāga. The study also considers the impact of the 72 mēḷa system on Sāraṅga, showing how its reclassification as a janya rāga required the reassignment of gāndhāra and resulted in .....

Key Word: Sāraṅga, Śuddhamadhyama gāndhāra, Samsthān, Mēḷa, Muddu Vēṅkaṭamakhi

[1]. Sadrāgacandrōdaya Of Paṇḍarīkaviṭṭhala, (1583-89 AD), Ed. Ganesh Sharma, Bhalcandra Sitaram Sukthankar, Nirnaya-Sagar Press, Bombay, 1912.
[2]. Rāgamālā Of Paṇḍarīkaviṭṭhala, (1576 AD), Ed. N. G. Ratanjankar & G. G. Barve, Bhalcandra Sitaram Sukthankar, B. S. Sukthankar, Bombay, 1914.
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Abstract: Background: UHC is a dominant agenda in Sustainable Development Goals (SDGs) and in post- Millennium Development Goals (MDGs) of global health (HEU, MoHFW, 2015). As national income has increased considerably around the countries in the world along with the burden of non-communicable diseases, demand has also increased for quality of care and affordable health services. Many countries today are actively pursuing to achieve.....

Keywords: Universal Health Coverage (UHC), Rural Healthcare, Healthcare Accessibility, Public vs. Private Healthcare, Out-of-Pocket Expenditure, Health Service Utilization, Health Equity, Primary Health Care, Health Financing, Bangladesh Health System

[1]. Adams, A. M., Ahmed, T., El Arifeen, S., Evans, T. G., Huda, T., Reichenbach, L., Ahmed, F., Ahmed, S., Ahmed, S. M., Azad, K., Bhuiya, A., Mahmood, S. S., Cash, R. A., Chen, L. C., Chowdhury, M. E., Chowdhury, A. M. R., Christou, A., Halder, S. R., Husain, M., … Standing, H. (2013). Innovation For Universal Health Coverage In Bangladesh: A Call To Action. In The Lancet (Vol. 382, Issue 9910). Https://Doi.Org/10.1016/S0140-6736(13)62150-9
[2]. Ahmed, S. M., Rawal, L. B., Naher, N., & Hossain, T. (2019). “Connecting The Dots” For Generating A Momentum For Universal Health Coverage In Bangladesh: Findings From A Cross-Sectional Descriptive Study. BMJ Open, 9(7).
Https://Doi.Org/10.1136/Bmjopen-2018-024509
[3]. Assembly, S. W. H. (2011). Strengthening National Policy Dialogue To Build More Robust Health Policies , Strategies And Plans. World Health, May.
[4]. Fahim, S. M., Bhuayan, T. A., Hassan, M. Z., Abid Zafr, A. H., Begum, F., Rahman, M. M., & Alam, S. (2019). Financing Health Care In Bangladesh: Policy Responses And Challenges Towards Achieving Universal Health Coverage. International Journal Of Health Planning And Management, 34(1). Https://Doi.Org/10.1002/Hpm.2666
[5]. Huda, T. M., Tahsina, T., El Arifeen, S., & Dibley, M. J. (2016). The Importance Of Intersectoral Factors In Promoting Equity-Oriented Universal Health Coverage: A Multilevel Analysis Of Social Determinants Affecting Neonatal Infant And Under-Five Mortality In Bangladesh. Global Health Action, 9(1). Https://Doi.Org/10.3402/Gha.V9.29741.

Abstract: This article analyzes the effectiveness of the transparency portal of the municipality of Tocantins as an instrument for promoting social control, in light of Law No. 12,527/2011 (Access to Information Law - LAI). The municipality presents a unique socioeconomic context, marked by billionaire budgets driven by mineral exploration especially by the S11D Complex, which demands high rigor in monitoring the application of the Financial Compensation for Mineral Resources Exploration (CFEM). The adopted methodology consisted of qualitative and...

Keywords: Public Transparency. Social Control. Canaã dos Carajás. Access to Information Law. Accountability

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