Journal of Economics, Management & Business Administration

Blockchain Resolutions for Credit Risk Management in Social Enterprise: Towards Sustainable Poverty Eradication in SAARC

2025-01-23T19:28:39+00:00

Micro-credit is an indispensable tool for supporting low-income households financially and reducing rural poverty. However, the extraordinary services the microloan intends to fund expose it to significant credit risk. This study aims to develop a blockchain alliance system for anti-poverty social microfinance based on the characteristics of blockchain technology and the microfinance's specific credit risk. This system contains the mechanism of government and financial institutions for poverty alleviation, and it improves the management of the credit risk of social microfinance for poverty alleviation by determining the positioning and clearing regulations of the system's operation. This study undergoes rigorous pilot testing with a preliminary sample of 650 respondents representing diverse demographics and operational contexts within the social enterprise ecosystem to analyze the current development of social microfinance and how blockchain technology designs the unique advantages of social microfinance. It also has applications in the field of finance, and it applies the theory of asymmetric information and adverse selection to analyze the unique credit risk faced by social microfinance institutions for poverty alleviation in SAARC. The study results indicate that the blockchain system efficiently manages social microfinance credit risk for anti-poverty organizations. The blockchain system can effectively reduce the cost of credit risk management of social microfinance for poverty alleviation, increase credit accessibility for the impoverished, reduce the degree of information asymmetry between the two parties, and reduce the likelihood of adverse selection.

Mediating Role of Network Ties in the Relationship between Innovativeness, Proactiveness, and SMEs Performance

2025-03-08T18:32:19+00:00

This analysis examines the role of network connectivity as a mediator between innovative strength, positivity and performance from small and medium-sized enterprises (SMEs). Data were obtained by 305 subjects using structural questionnaires and data analysis using structural equation modelling for path analysis using STATA version 15 (PA-SEM). The results show that innovative capabilities have a positive and significant impact on small and medium-sized enterprise performance. Proactiveness was also identified as a key performance driver for small and medium-sized businesses. These findings show that network ties to SMEs is a performance mediator by providing access to important external additional resources, knowledge and opportunities from outside to improve their competitive advantage. Furthermore, these connections form the impact of innovative strength and proactiveness on performance, highlighting the importance of external relations in achieving business success. Research findings show that innovativeness, proactiveness and network ties are key predictors of performance outcomes for SMEs. Performance improvements from each factor are made directly and indirectly via network ties. This illustrates a complex role network to achieve better results.

Strategic Research and Innovation in the Internet of Things: Unifying Technologies for Smart Academic Environments

2025-07-26T15:23:50+00:00

The fast advancement of the Internet of Things (IoT) has opened modern wildernesses in changing conventional instructive settings into savvy, associated scholastic situations. This consider investigates vital investigate headings and imaginative applications of IoT to bind together assorted technologies such as cloud computing, counterfeit insights, huge information analytics, and remote sensor networks for the headway of shrewdly scholarly environments. By coordination these merging advances, teach can upgrade campus computerization, real-time learning analytics, versatile learning frameworks, and proficient asset administration. The paper explores current patterns, models, and systems for actualizing IoT-driven arrangements in higher instruction, emphasizing their potential to progress scholarly results, operational proficiency, and maintainability. Through a combination of writing survey, case examination, and conceptual modeling, the inquiry about distinguishes key enablers, challenges, and key needs basic for cultivating development and advanced change in scholarly teach. The discoveries give a guide for partners pointing to saddle IoT as a catalyst for savvy, comprehensive, and future-ready learning situations.

Theoretical Perspectives on the Constitutional Development of Minority Rights in Pakistan (2008–2024): A Multidimensional Analysis through Liberal Pluralism, Critical Race Theory, Postcolonial Theory, and Legal Pluralism

2025-08-25T16:54:30+00:00

Since its formation in 1947, Pakistan has struggled to safeguard the interests of its religious minorities. The constitutional framework of the country, based on Islamic principles, has also confronted the majority Islamic nation and the minority groups. The constitutional history of the minority in Pakistan is a mixed struggle of rights, representation, and social issues. Although the Constitution of Pakistan promises the rights of religious minorities, their political representation and ensuring their implementation are still low. The paper is a review of constitutional amendments concerning minorities in Pakistan from 2008 to 2024. It looks into the legal reforms, constitutional developments, court activism, and the socio-political issue of influencing minority rights. This paper conducts a multifaceted review on how the constitutional law in Pakistan has developed minority rights within a specified era, using the analytical tools of Liberal Pluralism, Critical Race Theory, Postcolonial Theory and Legal Pluralism. It explores how constitutional amendments and court action, as well as policy initiatives, have tried to safeguard minority populations, whilst noting the structural/societal obstacles that stand in the way of effective practice. The conclusion of the study is that minority rights can be really safeguarded not only through transparent legislation but also through a long-running cultural and political pluralism dedication. The research shows that constitutional protections are meaningless unless institutions maintain their independence, comprehensive policy changes are adopted, and discrimination against diversity is accepted.

Leveraging AI for Data-Driven Decision Making and Automation in the USA Education Sector

2025-09-08T05:11:53+00:00

This research explores how artificial intelligence (AI) can be applied to the U.S. education sector to improve decision-making and automation using data. It aims to examine the impact of AI on institutional efficiency, pedagogical effectiveness, and personalized learning, while also discussing the challenges associated with its adoption, such as cost, technological capabilities, and ethical concerns. The quantitative research design was used, where survey was conducted through a survey questionnaire which was delivered through Google Forms and hard copy questionnaires. The sample was made up of 350 respondents who were teachers, administrators, IT personnel, policymakers, and students from various educational institutions. Descriptive statistics were used to process the data and were presented as tables, bar charts, pie chart, donut charts. Internal consistency of the instrument was established by way of Cronbach s Alpha, which is used in establishing reliability. The findings indicate that 60 percent of institutions have already implemented AI applications, and the most popular are student performance analytics (33.3) and administrative automation (26.2). Most of the respondents supported the idea that AI enhanced decision-making (62.9%), learning outcomes (68.5%), and decreased the organizational workload (60%). However, barriers such as high implementation costs (28.6%), lack of technical expertise (25.7%), and concerns over data privacy (20%) remain significant. Algorithms bias and fairness were also considered highly in terms of ethics. Still, when it comes to how AI ought to be used, 71.4 percent of respondents agreed that more institutional resources should be directed toward AI, with personalized learning (34.3 percent) becoming the area that would most benefit over the next five years. Because of the gap between the potential of AI application in the education field and the actual implementation of AI in education, the present study can be added to the existing literature. It provides empirical data concerning stakeholder perception of opportunities and challenges. The findings offer significant implications for policymakers, administration, and educators who seek to use AI in an ethical and inclusive way to improve the efficiency of the institution, student experience, and educational equity.