Journal of Social Welfare and Management

While academic success is often associated with intellectual achievements, high grades, and scholarly recognition, financial success is typically measured by wealth accumulation, career advancement, and financial stability. Although both forms of success require discipline, effort, and strategic decision-making, they follow distinct trajectories and demand different skill sets. This review explores the fundamental differences between financial and academic success, examining their definitions, key influencing factors, and societal perceptions. It also discusses the extent to which academic achievements contribute to financial prosperity and whether financial success necessitates formal education. By analyzing real-world examples and scholarly perspectives, this article highlights the evolving dynamics between knowledge, skills, and financial well-being in the modern world.  

Introduction: Mobile banking, or “m-banking,” has grown significantly globally in recent years, mostly due to the internet’s and information technology’s rapid development. In developing countries, the use of mobile banking by customers is rapidly increasing. Nevertheless, research on adopting M-banking by various generations appears lacking. Aim and Objective: To determine “What are the main antecedents that may influence the intent to use mobile banking among Gen X, Y, and Z,” research across generational cohorts is thus required. Therefore, examining the different antecedents of consumer behavior across generations is necessary. Material and Methodology: After establishing the purpose of the review and the precise research questions, Detailed keyword filters were used to search various databases. Conclusions were then made based on the articles that were searched. Results: We enumerate the important factors that consumers in each generation consider before utilizing m-banking and conclude that the “one-size-fits-all” mentality of m-banking service providers must be abandoned in place of approaches customized to the generation of their consumer. Financial organizations may use the study’s findings as a foundational framework to help all age groups adopt mobile banking

This project explores the role of educators in promoting minimalist lifestyle practices among students as a pathway toward sustainability. Minimalism, characterized by reducing material possessions and focusing on essentials, aligns closely with sustainability by minimizing resource use and waste generation. The study examines how teachers can lead efforts to incorporate minimalist principles into daily student life, fostering sustainable behaviors that reduce environmental impact and encourage mindful consumption. Through an online survey conducted among 24 students preparing for public sector examinations, the project assesses their understanding and adoption of minimalism, materialism’s influence on social success, and the perceived role of teachers in this process. The findings suggest that teachers are influential in encouraging students to adopt minimalist practices, helping to reduce the consumption of unnecessary goods and mitigate the environmental consequences of overconsumption. The study contributes to the broader discourse on sustainable development by illustrating the practical role educators can play in shaping future generations’ attitudes toward consumption and environmental stewardship.

The housing industry is a significant contributor to the overall economic growth of the nation. There are over 269 different industries that are either directly or indirectly dependent on the housing sector. The primary objective of the study is to shed light on the characteristics of the housing loans that HDFC bank provides to customers in the Thoothukudi District. It entails gathering primary data from the borrowers who have taken out loans from HDFC bank in the Thoothukudi District. Some of the secondary data came from articles that were published in the IBA Bulletin and the RBI Bulletin, as well as pamphlets that were prepared by various banks. Accordingtothe𿿿ndingsofthestudy,elevenpercentofcustomershaveselected HDFC Bank because of its proximity to their place of residence; twenty-seven percent have selected the bank because of its low rate of interest; fourteen percent have selected the bank because of its excellent customer service; ten percent have selected the bank because of the friendly behaviour of field staff response; fourteen percent have selected the bank because of its prompt service; seven percent as a result As a result, it is evident that the interest rate that is provided by HDFC bank is a significant as pectthatin uences the borrowers’ decision to approach the bank.Accordingtothefindingsofthesurvey,itisclearthathouseloanborrowers prefer HDFC for a variety of reasons, including the speed with which their loan applications are processed, the reduced number of procedures required, the low interestrate, theexcellentcustomerservice, the exiblerepaymentmethod,and theniceconductoffieldworkers,amongotherreasons.Ontheotherhand, those who are interested in obtaining a home loan from HDFC in the study area face a few challenges. Following careful consideration of the recommendations made by the researcher, HDFC ought to take the appropriate actions to address the issues in ordertoimproveitsoverallperformance.Itispossibleforbankstoplayasigni𿿿cant part in the process of encouraging the construction of homes in rural areas. Banks need to focus on mass customisation rather than mass market, and they also need to develop housing loan programs that are more dynamic and innovative.

A Living Will, introduced by Luis Kutner in 1967, enables individuals to specify medical treatment preferences in case they lose decision-making capacity. Landmark cases, such as Karen Ann Quinlan in the U.S. and Aruna Shanbaug in India, significantly influenced legal frameworks on end-of-life decisions. Advanced Directives has gained momentum in hospital set-ups after the decision of the Courts of India in its favour in 2018. Evidence on its use is limited. Advance Directives, including Living Wills and Lasting Power of Attorney, safeguard patient autonomy in terminal care. Legal and medical frameworks, guided by ICMR regulations and Supreme Court rulings, ensure due process through physician validation and Medical Board reviews before execution. Courts may intervene in disputed cases. However, directives may be deemed inapplicable in situations involving potential recovery or ambiguity. Advance Directives play a crucial role in guiding medical decisions for patients in rreversible conditions such as coma, persistent vegetative state, severe brain injury, and advanced dementia.

Financial stress is a complex and pervasive issue affecting individuals across various socio-economic backgrounds. This paper explores the dual perspectives of financial stress: self-driven, where individual behaviors and decisions play a significant role, and fate-driven, which highlights the influence of external, uncontrollable systemic factors such as economic instability, income inequality, and social discrimination. This article reviews existing literature on financial literacy, personal financial management, and macroeconomic forces to provide a comprehensive understanding of how these elements contribute to financial stress. It also examines the psychological concept of locus of control, which influences how individuals perceive and cope with financial stress. By integrating both personal and systemic viewpoints, this article offers a holistic approach to addressing financial stress and proposes policy recommendations that consider both individual responsibility and broader economic challenges.

This article focuses on the waste management system of Shimla Municipal Corporation. It describes the Solid Waste Management practices of the hill state capital corporation through a flow chart. The broad idea of the City Sanitation Plan of SMC is also mentioned in the article. The National Urban Sanitation Policy (NUSP) of the Ministry of Urban Development was initiated in the year 2008. The plan was to sanitise the cities, make the cities clean and make the cities liveable. After 6 years of its roll out, more than 150 cities had planned their City Sanitation Plans. Shimla was one such city that is mentioned in the article. The triad of the roll out of SBM was the 4 Ps. These are policy, panchayat, people and participation. The NUSP was framed in the first step. The panchayats were actively involved in the second step. It was made a people’s movement as the third step. Covering all these components, the participation became the periphery of the entire circle. The waste management in hill areas is more crucial than the plains. Repeated efforts in the hill areas on managing the waste is needed since tourism is a big contributor to the economy of the hill states.