Review Paper

• FINTECH'S ROLE IN PROMOTING FINANCIAL INCLUSION IN PAKISTAN

  SADI Journal; Syed Ali Mohammed

  This paper delves into the potential of financial technology (fintech) in promoting financial
  inclusion in Pakistan. Fintech initiatives such as mobile payments, digital banking, microfinance, and financial
  education have been explored as tools to improve financial services accessibility

  12-20

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• UNVEILING THE INSIDIOUS EROTICISM IN SAINT JANET'S MUSICAL PERFORMANCES

  Kayode M. Samuel Ph.D., Samuel A. Adejube

  This article explores the insidious eroticism in the musical performances of Saint Janet, a Nigerian
  female pseudo-juju-gospel music practitioner. The paper analyzes her techniques incorporating socio-cultural
  themes such as didactic, religious and therapeutic aspects to trap her

  41-49

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• A COMPREHENSIVE STUDY ON THE FINANCIAL STRUCTURE OF MSMES IN CHITTOOR AND PRAKASAM DISTRICTS' GRANITE INDUSTRY

  Kasa Murthy

  The granite industry in Chittoor and Prakasam districts of Andhra Pradesh, India, plays a significant
  role in the economic development of these regions. However, the majority of micro, small and medium
  enterprises (MSMEs) in the industry are suffering from heavy losses due to inadequate

  21-31

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• INADEQUATE RESETTLEMENT AND REHABILITATION POLICIES FOR OUSTEE FAMILIES: A STUDY OF THREE PUBLIC SECTOR STEEL PLANTS IN INDIA

  Gadgil M., R. Guha

  This paper presents a critical analysis of the socio-economic status of people displaced by three
  public sector steel plants in India during the 1950s and 1960s, focusing on the inadequacy of state resettlement
  and rehabilitation policies. Data were collected through household surveys in

  1-11

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• EXPLORING THE IMPLICATIONS OF PLURALITY IN NIGERIAN MUSIC

  Agu Ogochukwu Precious Ph.D. , Emmanuela Nwafor

  This study examines the concept of music plurality in Nigerian music culture and its impact on
  traditional identity, evaluation, and standardization. The paper explores the diversity of Nigerian musical
  culture, with numerous genres of both vocal and instrumental traditions being

  32-40

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