Daily Archives: March 27, 2026

Authors: Dipikaben Solanki

Abstract: In the past few decades, there has been an upsurge in international migration which has led to the creation of new economic opportunities as well as exposing migrants to financial marginalization and institutional obstacles in the host nations. A lot of migrants have problems with the comprehension of new banking systems, financial policies, and credit models that restrict their access to formal financial services and obtaining economic stability in the long term. This paper explores how financial education can help to improve the socio-economic well-being of international migrants and how financial literacy can aid international migrants to adapt to the banking systems of other countries. The study takes the qualitative research design based on secondary data, such as scholarly works and research conducted on migration, financial inclusion, and banking access worldwide. The article examines the connection between financial literacy, bank account ownership, and economic wellbeing of migrants. The results provide that financial literacy enhances the capacity of the migrants to control the level of income, earn savings behaviour, and use formal banking products like bank accounts, remittances, and credit facilities. Financial education can also enable migrants to fit into the institutional financial systems and diminish the reliance on informal financial systems. The paper also notes that financial inclusion can bring to the economies of host countries more comprehensive economic benefits in terms of increased productivity, entrepreneurship, and inclusion in the financial system. The study finds that enhancing the effectiveness of migrant-oriented financial education and enhancing access to non-discriminatory banking services are critical measures to counter social mobility and sustainable economic integration.

DOI: https://doi.org/10.5281/zenodo.19250336

Published by: vikaspatanker

Authors: Dipikaben Solanki

Abstract: Skilled labor migration has proven to be one of the major economic issues of the world in terms of the workforce distribution, productivity increase and the stability of the labor market in different countries. The trend of growing globalization has increased mobility of professionals especially since developing economies are losing their talent and the advanced economies are experiencing mounting cases of labor shortages. This paper will discuss the economic factors that drive skilled migrants with emphasis on the wage differentials, unemployment rates, and the level of skill factor that determine international migration choices. There is quantitative cross-national secondary data approach that has used comparative evidence of great labour-exporting and labour-importing economies within G20 framework. The analysis indicates that rational economic assessment plays a significant role in the determination of the migration decisions in which the skilled professionals migrate to exploit the maximum income potential, employment security and long-term productivity gains. The results show that the microeconomic instability in the country of origin plays a great role in enhancing the propensity of migration whereas technological progress and structured demand of labor draws highly skilled workers into the developed economies. The paper also indicates that the unmanaged migration also leads to workforce imbalance which further strengthens inequalities in the global labor markets. Policy implications point at the significance of bilateral labour agreements, domestic human capital investments, and controlled migration regimes that facilitate sustainable circulation of skills instead of permanent loss of talent. The study offers a comprehensive economic and policy framework that promotes a balanced mobility of workforce that will assist G20 countries to harmonize migration governance to long-term economic competitiveness and labor market sustainability.

DOI: https://doi.org/10.5281/zenodo.19250248

Published by: vikaspatanker

Authors: Dipikaben Solanki

Abstract: The world service industry has had a psychological strain on it due to economic unpredictability, technological growth and the augmented performance standards. The banking, information technology and healthcare industries are some of the high-pressure sectors where cases of burnout and high employee turnover have been reported, posing serious organisational and economic problems. This study has reviewed how strategic management of stress influences retention of employees in these industries using a comparative cross-national study. By assuming an interpretivist and an inductive philosophical approach, the research has employed secondary qualitative data in order to draw comparisons among the prevalence of stress, turnover patterns, and organisational reactions to these patterns in the various national settings. The results have shown that there is a close correlation between stress at work and turnover. It has been demonstrated that emotional exhaustion, heavy workload and lack of managerial support have decreased organisational commitment and out-of-organisation intentions. Nevertheless, organized stress management solutions such as supportive leadership behaviour and workload modification have resulted in a positive change in short-term retention. The cross-national differences have also brought out the fact that organisational design, economic stress and sectoral characteristics determine the intensity of burnout and workforce stability. The analysis has found that sustainable management of human resources should consider including mental health strategies as an organisational priority and not a response welfare intervention. Some policy implications are stress audits, inclusion of mental health performance indicators and creation of crisis responsive HR structures. Strategic stress management has hence gained prominence as an economic stability mechanism and a sustainability tool to the workforce that is in the global service industries.

DOI: http://doi.org/10.5281/zenodo.19251151

Published by: vikaspatanker

Authors: Dr. S. Sheeja, Bavani. G, Dhanish Ahamad. M

Abstract: In a modern financial world, investors are faced with various challenges such as market volatility, a large volume of financial information, and a lack of personalized investment advice. In this context, existing investment systems involve processing financial information and employing decision-making techniques. These techniques are no longer sufficient in today's changing market environment.In this paper, a new concept is introduced to develop an "AI Supported Investment Portfolio Management System." This system will help users make intelligent investment decisions using machine learning and financial analytics. In this project, financial information is used to analyze the stock market using various financial parameters such as "Compound Annual Growth Rate," "Volatility," and "Maximum Drawdown." Machine learning algorithms such as K-Means clustering are used to classify assets based on various risk levels. In this project, regression algorithms are used to predict stock price trends. In addition, a recommendation system is also incorporated in this project to make intelligent investment decisions. In this project, a SIP planner is used to analyze long-term investments. In this project, an interactive interface is developed using Streamlit to better understand financial information.The above system demonstrates the effective application of Artificial Intelligence in the field of finance and creates a data-driven and user-centric approach towards the development of the financial strategy

Published by: vikaspatanker

Authors: Dr.G.Vani,, Mr.Sakthi Vinayagam

Abstract: The rapid growth of urbanization and digital transformation has significantly influenced the way people search for rental properties. Traditional rental systems are often inefficient, involving manual communication, reliance on brokers, lack of transparency, and limited access to reliable information. These challenges create inconvenience for both tenants and property owners, resulting in delays, miscommunication, and increased costs. Smart Rental Hub is a comprehensive web-based platform designed to address these challenges by providing an efficient, transparent, and user-friendly digital solution for property rental management. The system connects property owners and tenants through a centralized interface, enabling seamless interaction and streamlined processes. Property owners can list their properties with detailed descriptions, pricing, and images, while tenants can search and filter properties based on their preferences such as location, budget, and property type. The application incorporates secure user authentication, real-time booking management, and an administrative control system to ensure smooth operation and data integrity. By leveraging modern web technologies, the platform enhances user experience, reduces manual intervention, and promotes a more organized rental ecosystem. Furthermore, the system lays the foundation for future enhancements such as artificial intelligence-based recommendations, online payment integration, and mobile application development, making it a scalable and forward-looking solution.

DOI: https://doi.org/10.5281/zenodo.19248424

 

Published by: vikaspatanker

Authors: Aliya Sianne Elijah Camporedondo, Eugene Blase, Brian Laraga, John Andrew Lopez, Eman Noel Reclusado

Abstract: The objective of this study is to develop a manually controlled surface water prototype vehicle, which is designed to assist the rescuer in search and rescue operation in detecting submerged individuals in a flooded area. The components and modules of the prototype consists of Arduino Uno R4 Wi-Fi as the main microcontroller, JSN-SR04T for water depth measurement and underwater object detection, HC-SR04 for obstacle avoidance, Neo-6M GPS module for location tracking, and the Blynk IoT for a real-time data dashboard. The system integrates tracking mechanisms within its navigation and detection components to ensure accurate data monitoring and successful retrieval on the given coordinates. Results show the effectiveness of the detection accuracy, manual navigation, and the reliability in transmitting real-time data in the IoT dashboard during flood situations. This study concludes that Tactical Intervention Device for Emergencies in Flood (TIDE) design highlights the great potential to improve search and rescue operations in post-flood situations, particularly in areas where visibility and communication access are limited.

 

 

Published by: vikaspatanker