IOSR-JEF   Volume-15 ~ Issue-5 ~ Sep. – Oct. 2024

Abstract: Applying 40 to 50% tax directly on Consumers on the ingredients which are staple to their diet, easily available, to the common public will not meet the goal as government is considering ,but that will itself generate and income disparity in between the population as the other alternative which are healthier is not cheaper and easily accessible in the market .Someone has well said that in today's scenario if you want to be health , eat healthy you have to be rich. Directly raising the tax without educating the population, why to eat healthy? How to access other alternatives to unhealthy items? without teaching them about nutritional education the tax will be burden to the society, as the revenue coming from tax is not in use to improve the status of lower income people but to extort money from...

Abstract: This study examines the impact of government policies on vegetable marketing practices in the Indian state of Rajasthan. Using primary data collected from surveys of 500 farmers, 100 wholesalers, and 50 retailers across five districts of Rajasthan, as well as secondary data from government reports and academic literature, the paper analyzes how various national and state- level agricultural policies have influenced the structure and functioning of vegetable value chains in the region. Key policies considered include the Agricultural Produce Market Committee (APMC) Act, contract farming laws, minimum support prices (MSP), and agricultural subsidies. The results show.......

Keywords: agricultural marketing; government policy; vegetables; value chains; smallholder farmers; Rajasthan; India.

Abstract: Throughout several decades, the top name among companies that have accepted online payment transactions is a multinational financial technology company PayPal, situated in the United States that was founded in 1998. Internet payments gained traction and expanded globally over time. This research examines how financial technology, or FinTech, is changing financial accessibility in the US. It also analyzes how these advancements, together with innovations in blockchain and cryptocurrency technology have changed the way that financial services are accessed.......

Keywords: Fintech, financial services, digitalization, blockchain, cryptocurrency, payment, investment, banking, regulation, financial intermediaries.

Abstract: Micro finance has proved to be a useful tool for fighting poverty and for economic growth more so in the third world countries which have the least banking facilities. The popularization of microfinance is linked to the first microbiology, Grameen Bank in Bangladesh by Muhammad Yunus received the Nobel Prize in the 1970s. It is a model that has been imitated globally due to its effectiveness in providing small amounts to the poor without security which has in turn created employment and raised the standard of living in the society (Yunus, 2007). Micro financial.......

Abstract: The structure of the India financial system is extensive and complex which is represented by a large number of institutions, markets, instruments and services that enable carrying out of fund mobilization in the country. The centre of this system is based on the commercial bank which had been playing a central and significant role in the financial structure by offering the basic facilities of saving, credit and payment. Nonetheless, for their services, banks have frequently failed to capture some sub-groups of the population group especially the rural and semi-urban ones. In this......

Abstract: This research seeks to understand how the Indian digital payments landscape has evolved in the last decade and what is changing in the financial world at large scale because of it. Long leaps have been made in the Indian fintech space over the years, mainly from crucial government initiatives, technological innovations, and a growing user base depending on digital payment platforms. This paper also situates India as a leader in the world of fintech innovation and uses cross-national comparisons to explore economic and social impacts and the global consequences of India's digital payment model. The paper finds that in creating a model for digital payments, India has set global......

Abstract: Cashless payments are one of the innovations playing a significant role in business strategy. However, in Lebanon, the economic and financial crisis has forced SMEs to primarily use cash as a mode of payment, leading to numerous issues affecting their financial performance. To overcome these challenges, companies are seeking to adopt cashless payments outside the banking sector to better control their finances and adapt to rapid technological advancements. This study aims to examine the impact of cashless payments on the financial performance of SMEs in Mount Lebanon, highlighting the factors affecting the adoption of this payment method. A survey was conducted.....

Keyword: Cashless payments, Small and Medium-sized Enterprises, Financial Performance, Checks, Mobile Money, Electronic Transfer, POS Machine

Abstract: This article explores the role of strategic partnerships in ensuring economic empowerment, particularly within underserved communities and small businesses in the U.S. It explains the importance of collaboration among financial institutions, community organizations, and government agencies as a means to promote financial inclusion and stimulate economic development. Through the analysis of successful case studies, such as the Community Reinvestment Act (CRA) and Financial Empowerment Centers (FECs), the article identifies core components essential for building effective partnerships, including shared goals, trust, clear roles, and strong monitoring frameworks. It offers a comprehensive roadmap for developing and implementing collaborative programs that emphasize the importance of needs assessment, securing resources, and measuring impact. The article studies......

Keywords: Economic Empowerment, Collaborative Strategies, Community Collaboration, Financial Inclusion, Partnership for Economic Growth, Sustainable Development, Economic Empowerment Programs, Resource Allocation Strategies, Collaborative Economic Initiatives, Public-Private Partnerships

Abstract: This paper provides an in-depth exploration of innovative financial products designed to meet the unique needs of underserved populations in the United States. It systematically examines how Community Development Financial Institutions (CDFIs) and Minority Depository Institutions (MDIs) are important in the delivery of these specialized financial services. By focusing on microloans, credit-building loans, and affordable housing financing, the paper elucidates the transformative potential of these financial products in enhancing financial inclusion and.....

Keywords: Innovative Financial Products, Underserved Communities, Financial Inclusion, Financial Services Innovation, Access to Financial Services, Affordable Financial Products, Microfinance Solutions, Community Banking, Fintech for Underserved Markets, Financial Empowerment