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Paper ID IJIFR/V13/E6/016 Page No.: 792-797

Subject Area Commerce

Authors Dr. S. Kaleeswari

Abstract The Pradhan Mantri Jan Suraksha Schemes were introduced by the Government of India to promote financial security and social protection among economically vulnerable sections of society. These schemes include Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), and Atal Pension Yojana (APY), which aim to provide affordable insurance and pension benefits. The present study focuses on analyzing the socio-economic profile of beneficiaries in Pollachi Taluk and examining their level of awareness, participation, and access to these schemes. Using primary data collected from 411 respondents through structured questionnaires, the study employs descriptive statistical analysis to examine demographic characteristics and awareness distribution. The findings reveal that beneficiaries mainly belong to rural areas, nuclear families, and lower income groups, with medium awareness levels about the schemes. The study highlights the importance of awareness programs and institutional support in improving participation and enhancing financial inclusion.

Keywords Pradhan Mantri Jan Suraksha Schemes, Financial inclusion, Awareness and Perception.


Paper ID IJIFR/V13/E6/015 Page No.: 787-791

Subject Area English Literature

Authors Dr. A. Vasanthi
Kavya M

Abstract Water has been a significant element in human civilisation as far as life, belief, memory, identity and political power are concerned. Within recent literature, the advent of Blue Humanities has seen a turn in land-centred criticism towards water-centred approaches. Blue Humanities suggests that rivers, seas and other water bodies must not be considered only as natural contexts, but there are dynamic elements of cultural, political and historical forces that define human existence. This paper reviews the Saraswati by Gurnaik Johal in the theoretical framework of Blue Humanities to explore the role of water as the power of fluidity in the story. The mythical Saraswati River is also re-invented in the novel, both as the icon of faith and a location of ecological memory, nationalism and political struggle. The river turns out to be a zone where belief collides with science and state ideology, and even conflicts. The paper also examines the ways in which water can be used as a cultural geographic identity and belonging, particularly when it comes to the diaspora communities who search for their roots in her imagined geographies. It also explores how the relations between humans and water determine their feelings, recollections and histories. This paper contends that Saraswati brings water out as the source of life and a contentious element through the symbolic and political roles of the returning river and how the fluid landscapes shape identity, power hierarchy and ecological awareness in modern literature.

Keywords Hydro politics, Ecological Memory, Blue Humanities, Nationalism, Diaspora Identity.


Paper ID IJIFR/V13/E6/012 Page No.: 782-787

Subject Area Business Management and Commerce

Authors Jasmine Dhawan
Kanwaljit Kaur

Abstract Financial technology (FinTech) has grown rapidly in India. It has improved access to banking and digital payments. Financial inclusion is the primary topic of most studies. FinTech's contribution to sustainability has not received much attention. The importance of Green FinTech in advancing sustainable finance in India is examined in this study. The study is based on secondary sources. These include research articles, government reports, RBI publications, and documents from international agencies. The review analyses how digital financial platforms support green investments, sustainable lending, and climate-related financial initiatives. It also examines existing studies and policies to understand how FinTech aligns with India’s sustainability goals. The findings show that the adoption of Green FinTech in India remains limited. Major challenges include regulatory gaps, low awareness, data security concerns, and the lack of clear green finance standards. The paper concludes that stronger policy support is needed. Sustainability goals must be better integrated into India’s FinTech ecosystem. This is essential for long-term economic and environmental sustainability.

Keywords Green FinTech; Sustainable Finance; Digitalization; India; Sustainability


Paper ID IJIFR/V13/E6/011 Page No.: 754-769

Subject Area Management Studies

Authors Manju
Dr. Meera Arora

Abstract Higher education serves as a vital pillar for a nation’s development across social, economic, cultural, scientific, and political domains. It equips individuals with the capabilities to transition from merely being human to becoming valuable human resources. In the era of globalization, the demand for high-quality higher education has intensified, emphasizing the need to foster creativity, innovation, adaptability, and a research-oriented mindset. One of the key mechanisms to ensure this quality is accreditation—a robust process of quality assurance. This study examines the key institutional factors that influence the academic environment in higher education institutions, with a focus on assessing both the strength of structural relationships and the model’s predictive accuracy. Using a quantitative approach involving a survey of faculty members, the study reveals significant relationships between the accreditation dimensions and academic performance indicators. The results reveal that constructs such as Innovative Value-Based Practices, Institutional Learning Resources, Student Support Practices, and Curriculum Alignment significantly contribute to the development of a robust academic environment. Conversely, Governance and Leadership Mechanisms and the Teaching-Learning Environment were found to have limited impact. The model demonstrates strong explanatory power for academic environment. The findings offer practical implications for policymakers and educational leaders seeking to strengthen academic quality and support accreditation efforts through strategic institutional improvements.

Keywords Accreditation, Academic Environment, Quality Assurance, Higher Education, Institutional Governance


Paper ID IJIFR/V13/E6/010 Page No.: 727-735

Subject Area Computer Science

Authors Dr. Ashish Jolly

Abstract The problem of sustainability is very vital in software governance as with the rapid growth of digital systems, the environmental consequences of software-based businesses have significantly grown. Green software governance is a strategic plan that involves integrating environmental sustainability into IT management systems, software engineering processes and organizational decision-making. To ensure sustainable development without compromising operational efficiency and technical innovation, this article explores the way businesses can adopt the green software governance practices. This paper considers governance systems including lifecycle-based software management tools, carbon footprint frameworks, energy conscious software design criteria, and sustainability conscious policies. It highlights that to implement an environmental responsibility into software engineering and IT operations, the leader must be committed to it, ensure cross-functional collaboration, and sustainability indicators. Another issue that the article discusses is that corporate social responsibility, regulatory compliance, and environmental, social, and governance (ESG) objectives are all consistent with green software governance. To reduce the energy and resource usage of the overall software systems, the organizational efforts are particularly considered such as green DevOps, cloud optimization, sustainable procurement and employee capacity building. Some of the gaps that are addressed by the paper in the implementation of green software governance are the absence of standardized measures, the unwillingness of organizations to change, and the trade-offs between sustainability and performance. The research provides a theoretical model of integrating the green software governance into the organization strategy through an amalgamation of potentially optimal research and practice. It argues that the realization of sustainable environmental development, increasing organizational resilience, and progressive sustainable global development aims all require the effective management of sustainable software systems. Green software governance is finally placed as an essential facilitator of the responsible digital transformation in the era of sustainable innovation.

Keywords Green Software Governance; Sustainable Software Engineering; Organizational Strategy; Digital Sustainability; ESG Goals; Green IT; Sustainable Development


Paper ID IJIFR/V13/E6/009 Page No.: 718-726

Subject Area Social Science

Authors Dr Veenu Mohan Muthukattu
Dr Suganthi Pais
Dr Sheela A M

Abstract Self-help groups are small voluntary associations of women members who come together for the purpose of creating individual savings. This is referred to as a common fund, which is circulated among the members. It started as a small group comprising 10 to 12 members. It has spread in large numbers over the years. The government of India also supports these self-help groups with various credit schemes, which help in their economic empowerment. The research paper analyses the role of self-help groups in women's empowerment in the Mundgod and Hangal taluks in Northern Karnataka. The results show positive results in strengthening the economic welfare of self-help groups in the study areas. It has not only created sustainable employment but also helped to increase their monetary standards.

Keywords Self-Help Groups, Empowerment, Sustainable Employment


Paper ID IJIFR/V13/E6/008 Page No.: 714-717

Subject Area Commerce

Authors Dr.P.Karthika

Abstract Women’s economic empowerment has emerged as a critical driver of inclusive growth and sustainable development. This study investigates the economic empowerment of working women through an integration of theoretical perspectives and empirical evidence. The research adopts a descriptive and analytical approach by synthesizing data from national labour force surveys, microfinance studies, and gender-based employment statistics. The study conceptualizes economic empowerment as a multidimensional construct comprising access to economic resources, financial autonomy, decision-making power, and employment opportunities. Findings indicate that women’s participation in paid employment, access to credit facilities, and educational attainment significantly enhance economic agency and household decision-making capacity. However, structural barriers such as wage disparities, occupational segregation, and limited access to financial institutions continue to restrict empowerment outcomes. The study highlights the role of policy interventions, skill development initiatives, and inclusive financial systems in strengthening women’s economic participation. The research contributes to existing literature by providing an integrated framework linking employment, financial inclusion, and empowerment outcomes. The findings offer practical implications for policymakers, development practitioners, and researchers aiming to promote gender-inclusive economic development.

Keywords Economic Empowerment, Working Women, Financial Inclusion, Labour Force Participation, Gender Equality


Paper ID IJIFR/V13/E6/007 Page No.: 776-781

Subject Area Computer Science

Authors Sunil Taneja
Amandeep Makkar

Abstract Integrating AI tools in Teaching & Learning enables personalized education, enhances student engagement, and supports educators in both instructional and administrative tasks. This paper examines the role of AI in teaching & learning process and highlights commonly used AI tools with relevant examples. Tools such as intelligent tutoring systems (ALEKS, Carnegie Learning), adaptive learning platforms (DreamBox, Coursera), AI-powered learning management systems (Moodle with AI plugins), automated assessment tools (Gradescope, Turnitin), educational chatbots (ChatGPT, IBM Watson Assistant), and learning analytics tools (Power BI, Tableau with AI features) are discussed. These tools assist in personalized content delivery, instant feedback, performance monitoring, and data-driven academic decision-making. The paper also explores how AI tools promote inclusive education through speech-to-text, text-to-speech, and recommendation systems that address diverse learner needs. Despite the advantages, challenges such as data privacy, ethical issues, digital divide, and the need for faculty training remain significant. The study concludes that the effective and responsible integration of AI tools can significantly improve the quality, accessibility, and efficiency of the education system. Keywords: Artificial Intelligence, Education, Learning, Teaching, Tools

Keywords Artificial Intelligence, Education, Learning, Teaching, Tools


Paper ID IJIFR/V13/E6/006 Page No.: 708-713

Subject Area Computer Science

Authors Sandeepi
Neha Saini
Vikas Sharma

Abstract Massive Open Online Courses (MOOCs) and digital learning environments have emerged as key technologies for expanding access to education globally. By leveraging openness, networked learning and scalability, they can support inclusive education and contribute to Education for Sustainable Development (ESD). Evidence from recent studies shows that MOOCs can promote sustainability-related competencies, access across geographical and socio economic boundaries, and support the long term, sustainable use of digital platforms when accompanied by adequate academic and emotional support. However, persistent challenges such as high dropout rates, digital divides, and variable pedagogical quality must be addressed to fully realize their potential as sustainable technologies for inclusive education.

Keywords MOOCs, Digital Learning, Sustainable Technology, Inclusive Education


Paper ID IJIFR/V13/E6/004 Page No.: 701-707

Subject Area Computer Science

Authors Amit Kumar
Amandeep Makkar
Sunil Taneja
Vikas Sharma

Abstract Generative Artificial Intelligence has emerged as a innovative technology proficient of making human-like content across various domains, including text, images, and code. Among generative AI models, ChatGPT developed by OpenAI exemplifies a significant advancement in natural language processing through the use of large language models (LLMs). This paper examines the fundamentals of generative AI, with a particular focus on ChatGPT, its underlying architecture, applications, and implications. ChatGPT leverages deep learning techniques to generate contextually relevant and coherent responses, making it valuable in fields such as education, research, content creation, and software development. Despite its advantages, challenges related to accuracy, bias, ethical concerns, and responsible usage remain critical considerations. This study highlights both the potential and limitations of generative AI technologies, emphasizing the importance of ethical frameworks and human oversight in their deployment. The findings suggest that generative AI, when used responsibly, can significantly enhance productivity, creativity, and access to information.

Keywords Generative AI, ChatGPT, Artificial Intelligence, Large Language Models








About IJIFR

The International Journal of Informative & Futuristic Research (IJIFR) is a multidisciplinary peer-reviewed Online open access research journal published monthly. It delivers multidisciplinary platform in order to have extreme, accurate, genuine, brainstorming, speculative, intellectual discussion and which has the visualization to understand, comprehend industrial experiences that describes significant advances of changing global scenarios. All the Authors will get Hardcopy of Certificates for Publication free of cost. IJIFR is dedicated to increasing the depth of the subject across disciplines with the ultimate aim of expanding knowledge of the subject. The journal follows a Blind-Review Peer Review System in order to bring in a high-quality intellectual platform for researchers across the world thereby bringing in total transparency in its journal review system. Authors are solicited to contribute by submitting articles that illustrate high quality theoretical and experimental research results, projects, case studies, reviewed work, analytical and simulation models, technical notes and industrial experiences that describe significant advances in research area. IJIFR provides an opportunity to present the innovative and constructive ideas and the outcome of the on-going research in all the areas of research studies in context of changing global scenarios. This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.


Special Issue

The International Journal of Informative & Futuristic Research (IJIFR) special issue welcomes proposals for new and recurring National Conferences, International Conferences, National Seminars, Workshops conducted by colleges, universities, engineering & management institutes etc. The first aim is to provide opportunities for academics from a range of disciplines and countries to share their research both through the conference podium and IJIFR double-blind refereed publications. Proposals will be selected to ensure the conference program offers a comprehensive, non-commercial, objective, and diverse treatment of issues related to the core concepts of the subject’s related to title, IT Organizational Domains, and IT Hot Topics. Attention will be given to diversity of institutions, presenters, and geographic location. It is one of the excellent services offered by IJIFR that is uniquely intended to support the researchers and conference organizers. IJIFR provides conference organizers a privileged platform for the publishing of research work presented in conference proceedings. The journal is deliberated to disseminate scientific & basic research and to establish long term International collaborations and partnerships with academic communities and conference organizers. We invite you to submit proposals on any topic related to the broad set of research and application areas covered the by IJIFR. The Conference examines the concept of diversity as a positive aspect of a global world and globalised society. Presenting at conferences is an efficient and exciting forum in which you can share your research and findings.


Focus & Scope

The journal welcomes the researcher and authors from all parts of the world to provide their latest outstanding developments and state-of-the-art research work for the publications of high quality papers having research results either experimental or projected application in their related fields. IJIFR publishes original materials concerned with the theoretical underpinnings, efficacious application, and potential for evolving technology integration in a global range at all edification levels. It aims to guide the society to formulate and reinvent education, and to be the cutting-edge of knowledge, modernization, erudition, and innovation. Papers submitted for publication are selected & peer reviewed through full double - blind international refereeing process to ensure inventiveness, uniqueness, originality, relevance, and readability. Our reviewers are highly qualified academics and industrialists experts who ensure that only quality research should be published by IJIFR Journals. Articles submitted to the journal should meet international standards and must not be under consideration for publication elsewhere.


Editorial Policy

The editors ensure that this journal will be regularly published, widely read and circulated, have high impact and attract an adequate supply of high-quality papers from an international range of authors worldwide. Any selected referee who feels unqualified to review the research reported in a manuscript or knows that its prompt review will be impossible should notify the editor and excuse himself from the review process. Any manuscripts received for review must be treated as confidential documents. They must not be shown to or discussed with others except as authorized by the editor. An editor should evaluate manuscripts for their intellectual content without regard to race, gender, sexual orientation, religious belief, ethnic origin, citizenship, or political philosophy of the authors. Double blind reviews will be executed to ensure that biases in the process of evaluating manuscripts.


All articles published Open Access will be immediately and permanently free for everyone to read and download. Manuscripts should follow the style of the journal and are subject to both review and editing. IJIFR is multidisciplinary in nature so the topics are not limited to the list that is available. IJIFR will generally publish the research papers in the field as follows:


SOCIAL SCIENCE AND HUMANITIES, SOCIOLOGY, SOCIAL WELFARE, ANTHROPOLOGY, RELIGIOUS STUDIES, VISUAL ARTS, POLITICAL, CULTURAL ASPECTS OF DEVELOPMENT, TOURISM MANAGEMENT, PUBLIC ADMINISTRATION, PSYCHOLOGY, PHILOSOPHY, POLITICAL SCIENCE, HISTORY, EDUCATION, WOMEN STUDIES, BUSINESS AND MARKETING, ECONOMICS, FINANCIAL DEVELOPMENT, ACCOUNTING, BANKING, MANAGEMENT, HUMAN RESOURCES, SCIENCE AND ENGINEERING, TECHNOLOGY AND INNOVATION, ENVIRONMENTAL STUDIES, CLIMATE CHANGE, AGRICULTURAL, RURAL DEVELOPMENT, URBAN STUDIES, BIOTECHNOLOGY, HOTEL AND TOURISM, ENTREPRENEURSHIP DEVELOPMENT, BUSINESS ETHICS, DEVELOPMENT STUDIES, ASTRONOMY AND ASTROPHYSICS, CHEMISTRY, EARTH AND ATMOSPHERIC SCIENCES, PHYSICS, BIOLOGY IN GENERAL, AGRICULTURE, BIOPHYSICS AND BIOCHEMISTRY, BOTANY, ENVIRONMENTAL SCIENCE, FORESTRY, GENETICS, HORTICULTURE, HUSBANDRY, NEUROSCIENCE, ZOOLOGY, COMPUTER SCIENCE, ENGINEERING, ROBOTICS AND AUTOMATION, MATERIALS SCIENCE, MATHEMATICS, MECHANICS, STATISTICS, HEALTH CARE & PUBLIC HEALTH, NUTRITION AND FOOD SCIENCE, PHARMACEUTICAL SCIENCES ETC.


Paper Submission

Submission of paper to this journal proceeds totally online and you will be guided stepwise through the creation and uploading of your files. All correspondence, including notification of the Editor's decision and requests for revision, takes place by e-mail removing the need for a paper trail. Clearly indicate who will handle correspondence at all stages of refereeing and publication, also post-publication. Ensure that phone numbers (with country and area code) are provided in addition to the e-mail address and the complete postal address. Contact details must be kept up to date by the corresponding author. Those papers that do not reach the required standards of quality and rigor demanded by the journals, in terms of theoretical framework and methodology, will not be accepted for publication. Full papers should be submitted electronically via the ijifr website i.e.www.ijifr.org or by directly mailing to the editor at [email protected] or [email protected] in accordance with the author’s guidelines and paper format of this journal. The entire paper should be created in one document in Word format (.DOC or .DOCX). The first page is the title page, showing the full title, author‘s name, position, affiliation, and present address. Also, include an e-mail address for editorial correspondence. If there is more than one author, please indicate with an asterisk (*) the author who should receive correspondence.


Important Dates
Important Dates For Every Issue
Last Date of Paper Submission : 20th of Every Month
Acceptance Notification : Within 7-10 days after paper submission
Final Paper Acceptance Notification up to: 27th of Every Month
Online Publication of Papers: 30th of Every Month
Important Dates
IJIFR FEBRUARY 2026 EDITION
VOLUME 13, ISSUE 6, FEBRUARY 2026
FINAL PAPER SUBMISSION TILL
26-FEBRUARY-2026
ACCEPTANCE NOTIFICATION
WITH IN 2-7 DAYS AFTER PEER REVIEWED PROCESS
PAPER ID ACKNOWLEDGEMENT
THROUGH ONLINE SUBMISSION
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Scholarly Open Access, Peer-reviewed, and Refereed Journal, Impact factor 8.057 , AI-Powered Research Tool , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI), Plagiarism Reports Generation, Scientific & Analytic Review System
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All manuscripts are reviewed in fairness based on the intellectual content of the paper regardless of gender, race, ethnicity, religion, citizenry nor political values of author(s).the IJIFR provides free access to research information to the international community without financial, legal or technical barriers. All submitted articles should report original, previously unpublished research results, experimental or theoretical, and must not be under consideration for publication elsewhere. All the accepted papers of the journal will be processed for indexing into different citation databases that track citation frequency/data for each paper. Contributions will therefore be welcomed from practitioners, researchers, scholars and professional experts working in private, public and other organizations or industries.
High Impact Factor Journal with publication of more than 4200+ satisfied authors worldwide. IJIFR is indexed by Scientific Journal Impact Factor : 6.051, Index Copernicus Value(Icv): 6.62, Academia, Internet Archive, Techrepublic, Citeactor, Scribd, Jstor, World Cat, Road, Google Scholar, Slideshare, Jour Informatics, Genamics, Biblioteca, Scientific Research Indexing, LABII, ISRA, I2OR, Journal Index. Net, Newjour, Figshare, Citesser X , Open Access Journals, References*,Research Info, OAJI Indexing, E LIS, Genamics
IJIFR is approved by UGC & National Institute of Science Communication and Informational Resources (NISCIR), Delhi, India. Nominal Processing & Publishing Charges (Includes online publication, Indexing & Abstracting in various online repositories, hard copy of certificate to each author, hard copy of letter of acceptance (Original Papers Only) with additional benefits.
Authors are advised to submit authentic research work only.
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