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

Abstract: This research paper provides an exhaustive and multi-dimensional analysis of the relationship between financial literacy and the investment behaviors of the teenage demographic (ages 13–19). In the contemporary era, characterized by the "fintech revolution" and the ubiquitous nature of digital assets, traditional barriers to entry in financial markets have largely disintegrated. Consequently, adolescents are now engaging with highly complex and volatile financial instruments, including fractional equities, cryptocurrencies, and non-fungible tokens (NFTs), often before they have attained a basic understanding of economic principles. This study identifies a critical "literacy..

[1]. Bandura, A. (1977). Social Learning Theory. Englewood Cliffs, Nj: Prentice Hall.
[2]. Barber, B. M., & Odean, T. (2001). Boys Will Be Boys: Gender, Overconfidence, And Common Stock Investment. The Quarterly Journal Of Economics, 116(1), 261-292.
[3]. Chen, H., & Volpe, R. P. (2002). Gender Differences In Personal Financial Literacy Among College Students. Financial Services Review, 11(3), 289-307.
[4]. Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial Literacy, Financial Education, And Downstream Financial Behaviors. Management Science, 60(8), 1861-1883.
[5]. Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy And Retirement Planning In The United States. Journal Of Pension Economics & Finance, 10(4), 497-514.

Abstract: The creative economy has gained prominence as a driver of employment, cultural sustainability, and regional economic diversification, particularly in heritage-rich regions of the Global South. Jammu & Kashmir (J&K), endowed with globally recognized handicrafts, handloom, carpets, and culturally embedded creative practices, represents a significant yet under-researched creative economy within India. This study aims to systematically map the structure, economic potential, and policy environment of J&K’s creative economy, while identifying the structural and.....

Keywords: Creative Economy; Handicrafts and Handloom; Cultural Industries; Value Chains; Policy Gaps

[1]. Bhowmik, S. (2012). Street Vendors In The Global Urban Economy. Routledge. Https://Doi.Org/10.4324/9780203092262
[2]. Bhowmik, S., & Singh, S. (2016). Formalising The Informal Sector In India: Roadblocks And Challenges. Economic And Political Weekly, 51(10), 45–53. (Not DOI-Assigned)
[3]. Chakravarty, S., & Dey, A. (2018). Gendered Precarity In India’s Creative Economy: Informal Work And Social Inequality. Journal Of South Asian Development, 13(2), 167–187. Https://Doi.Org/10.1177/0973174118781598
[4]. Dar, B. A. (2015). Handicrafts Of Kashmir: A Study Of Artisan Livelihoods. Journal Of Regional Development Studies, 7(1), 55–72.
[5]. Dasgupta, S., & Bhattacharya, P. (2019). Creative Industries In India: Policy Gaps And Structural Constraints. International Journal Of Cultural Policy, 25(5), 643–658.
Https://Doi.Org/10.1080/10286632.2017.1374382.

Abstract: The 'Roy Bari' or Royal Palace of Dinajpur during the regime of Maharaja Girijanath Roy was marked as the symbols of education and cultural practice in undivided Bengal located in the town of Dinajpur at present Bangladesh. But its reflection is hardly found in the study of history and literatures in connection with the spread of modern education in Dinajpur. Most of the researchers both from India and Bangladesh who worked on Dinajpur.....

Keywords: British, Charitable, Landlord, Literature, Music, Palace, School

[1]. Dinajpur Patrika, Saptabingshati Bhag, Sankhya- 8, Magh, 1326 BS, P. 201
[2]. Moniruzzaman, Muhammad. Dinajpuer Itihas. Gatidhara, Bangla Bazar, Dhaka, Bangladesh, 2010, P. 53
[3]. Ali, Mehrab, Dinajpur Rajbangsher Itihas And See Sarkar Himanshu Kumar, Dinajpurer Swanamdhanya Maharaja Girijanath Roy, Uttar Dinajpur Ziller Swaraniya Jara, Uttarbanga Itihas Anusandhan Parisad, 2013, P. 290
[4]. Dinajpur Patrika, Saptabingshati Bhag, Sankhya- 10, Asar, 1327 BS, P. 240
[5]. Sarkar Himanshu Kumar, Dinajpurer Swanamdhanya Maharaja Girijanath Roy, Uttar Dinajpur Ziller Swaraniya Jara, Uttarbanga Itihas Anusandhan Parisad, 2013, Pp. 288-289.

Abstract: Cognitive failures have been defined as minor errors in planned thought and action, as experienced in everyday life. Recognizing potential gender disparities in cognitive functioning across developing nations, there is a need to understand societal factors intersecting with professional life that influence cognitive health. This becomes especially salient in the Indian educational system, with its unique stressors of large class sizes, rising use of technology, privatization, and curricular reforms. Such stressors, when coupled with cognitive decline, may contribute to.....

Keywords: cognitive failures, female teaching professionals, perceived stress, screen time, sleep quality

[1]. Aldughmi, M., Aburub, A. S., & Al-Sharman, A. (2024). Sleep Quality And Screen Time Among University Professors: Impact Of Emergency Remote Teaching Amidst COVID-19 Crisis. Sleep And Breathing, 28(4), 1809-1817. Https://Doi.Org/10.1007/S11325-024-03030-3
[2]. Anbazhagan, A., & Selvan, K. G. (2022). A Study On The Impact Of Occupational Stress On The Performance Of College Teachers In South India. Journal Of Pharmaceutical Negative Results, 13, 2496-2506. Https://Doi.Org/10.47750/Pnr.2022.13.S06.324
[3]. Baranwal, N., Yu, P. K., & Siegel, N. S. (2023). Sleep Physiology, Pathophysiology, And Sleep Hygiene. Progress In Cardiovascular Diseases, 77, 59–69. Https://Doi.Org/10.1016/J.Pcad.2023.02.005
[4]. Biswas, A., Adan, A., & Sahu, S. (2025). Effects Of Extended Digital Screen Exposure On Sleep Patterns And Cognitive Functioning Of Chronotypes In Professional Office Environments. Sleep Medicine, 133, 106663. Https://Doi.Org/10.1016/J.Sleep.2025.106663
[5]. Bridger, R. S., Johnsen, S. Å. K., & Brasher, K. (2013). Psychometric Properties Of The Cognitive Failures Questionnaire. Ergonomics, 56(10), 1515–1524. Https://Doi.Org/10.1080/00140139.2013.821172

Abstract: The present study aimed to examine loneliness and marital satisfaction among married couples. Loneliness refers to a subjective feeling of emotional and social isolation, while marital satisfaction reflects the degree of happiness and fulfilment experienced within a marital relationship. A total sample of 80 married individuals was selected for the study, comprising 40 males and 40 females. Loneliness was measured using the Loneliness Scale developed by Praveen Kumar Jha, and marital satisfaction was assessed using the Marital Adjustment Scale developed by B. Hsan & K. C. Bhagat. Standardized tools were used to assess levels of loneliness and marital satisfaction....

Keywords: Loneliness, Marital satisfaction, Couple

[1]. Bradbury, T. N., Fincham, F. D., & Beach, S. R. H. (2000). Research On The Nature And Determinants Of Marital Satisfaction: A Decade In Review. Journal Of Marriage And Family, 62(4), 964–980.
[2]. Hendrick, S. S. (1988). A Generic Measure Of Relationship Satisfaction. Journal Of Marriage And The Family, 50(1), 93–98.
[3]. Leavitt, C. E., Price, D. A., Inman, N. F., Lee, M., Sandridge, A. M., Harrison, Z., Brown, A., Brown, J. P., & Holmes, E. K. (2025). Loneliness Within A Romantic Relationship: Do Gratitude And Forgiveness Moderate Between Loneliness And Relational And Sexual Well-Being? Journal Of Sex & Marital Therapy.
[4]. Mund, M., & Johnson, M. D. (2020). Lonely Me, Lonely You: Loneliness And The Longitudinal Course Of Relationship Satisfaction. Journal Of Happiness Studies, 21(8), 3051–3073.
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Abstract: Many insights into the social and ideological foundations of a particular culture can be gained by analyzing the language used in ritual texts. This study examines how ritual language in Lubukusu initiation ritual speeches reflects and influences cultural identities, especially gender relations and hegemonic masculinity. It focuses on identifying linguistic elements that support dominant masculine ideals, such as imagery, euphemisms, proverbs, and exaggeration. The goal is to demonstrate how ritual discourse constructs and sustains...

Keywords: Discourse, discourse analysis, hegemonic masculinities, gender inequality, initiation ritual speeches, Critical Discourse Analysis, content analysis, ritual discourse

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[2]. Burton, L.W. 2007. The Language Of Argument, USA: Houghton Mifflin.
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[5]. Diabah, G. & Amfo, N.A.A. 2015. Caring Supporters Or Daring Usurpers? Representation Of Women In Akan Proverbs. Discourse And Society, 26(1): 3-28..

Abstract: Marriage is a serious decision for every person. It can be the stuff of nightmare for some while a fancy dream for others. So much so that we might have all come across people who say things like, "I'm not ready for marriage", "Marriage is not for me", "The idea of marriage scares me a lot." All these are signs of running away from marriage or, in other words, the fear of marriage. Marriage, however, is about two people who love each other sharing the same house with the permission of society and the law to start their own nuclear family. So why are people afraid.....

[1]. Saxena, S., & Jain, R. K. (2013). Social Intelligence Of Undergraduate Students In Relation To Their Gender And Subject Stream. IOSR Journal Of Research & Method In Education, 1(Issue 1), 01–04.
[2]. Subhash, M. (2015). Holistic Development Of Adolescents For Social Intelligence, Emotional Maturity And Spiritual Personality For Nation Building. International Journal Of Basic, Applied And Innovative Research (IJBAIR), 4 (1), 20–29.
[3]. Arshad And Akhtar (2024). " Marriage Proposal, Body Image Concern, Gamophobia And Life Satisfaction In University Students." Journal Of Asian Development Studies,Volume 14, Issue 3.
[4]. Ganaie, M. Y., & Mudassir, H. (2015). A Study Of Social Intelligence And Academic Achievement Of College Students Of District Srinagar, J&K, India. Journal Of American Science,11(3), 23–27.
[5]. Ali Jarwan (2024). "Gamophobia And Its Relationship With Family Communication Patterns Among Unmarried Postgraduate Students At Yarmouk University."Evolutionary Studies In Imaginative Culture 8(2):206-227. DOI:10.70082.