Literacy Initiatives Research Articles

Empowering marginalized communities through legal and financial literacy: The development and impact of the LEFL-Framework.

This study evaluates the impact of the Legal and Financial Literacy Framework (LEFL-Framework) on empowering marginalized communities, focusing on integrating legal and financial literacy as a means of socio-economic empowerment. Employing a systematic literature review and content analysis, the research scrutinizes peer-reviewed journals, official reports, and policy documents published from 2005 onwards. The methodology hinges on a comprehensive search strategy, with inclusion and exclusion criteria meticulously designed to filter relevant literature, followed by a thematic categorization and content analysis to distill key insights. Key discoveries reveal that legal and financial literacy are pivotal in enhancing the socio-economic conditions of marginalized communities, offering them the necessary tools to navigate complex legal and financial environments. The study identifies challenges such as digital divides and cultural barriers but also highlights opportunities through digital learning platforms and cross-sector partnerships. Strategic directions suggest leveraging technology, fostering community-based education, and advocating for policy support to integrate legal and financial literacy into broader educational frameworks. Recommendations are provided for practitioners, policymakers, and community leaders to develop culturally sensitive materials, support policy reforms, and mobilize local resources for sustainable literacy initiatives. The study concludes with a call for ongoing research into innovative educational methodologies, the long-term impacts of literacy programs, and the role of digital technologies in enhancing accessibility and effectiveness. This research underscores the transformative potential of legal and financial literacy in empowering marginalized communities and contributing to their socio-economic advancement.

Exploring Financial Literacy: A Study of Socioeconomic Factors

This research project examines the relationship between socioeconomic factors and financial literacy among individuals in India. The study utilizes primary data collected through structured questionnaires from a diverse sample of respondents engaged in personal finance management. Descriptive analysis reveals that the average age of respondents is 24.4 years, with a wide range of income levels ranging from ₹0 to ₹200,000. Inferential analysis, including correlation and regression, indicates a significant positive correlation between income levels and financial literacy ratings. Furthermore, younger individuals and those with higher education and income levels exhibit better financial literacy. Based on these findings, the study recommends targeted financial education programs, early financial literacy initiatives, income-related interventions, and continuous learning opportunities to enhance financial literacy and promote economic stability in India. This research contributes to the understanding of the determinants of financial literacy and provides insights for policymakers, educators, and financial institutions to develop effective strategies for improving financial well-being in the Indian context.

Exploring Consumer Hoarding Patterns: A Case Study Social Networks on Consumer Hoarding Behaviour of Toilet Paper

This article investigated the impact of social networks on consumer hoarding behavior during the COVID-19 pandemic, focusing specifically on the global toilet paper hoarding phenomenon. Motivated by the pandemic's widespread fear and uncertainty, the study filled a research gap by stressing the relevance of network science in understanding hoarding situations. The study, which examined a case study of the toilet paper scarcity that began in Hong Kong and extended globally, identified three major issues: the unique characteristics of online networks, the herding mentality promoted by social factors, and the asymmetry in information availability. To overcome these difficulties, the study suggests strategic options. It was suggested that artificial intelligence be used for content regulation and information validation in order to proactively counteract the unique features of internet networks. Targeted psychological interventions, notably stress reduction programs, were recommended to counteract the herding mindset that drives hoarding. To mitigate the impact of asymmetric information, media literacy initiatives aimed at improving consumers' critical thinking skills were suggested. Finally, this study gave important insights into the complex dynamics of social networks and consumer hoarding behavior during crises. It emphasized the importance of a comprehensive understanding of online networks' roles, laying the groundwork for future research in network science, consumer behavior, and crisis management.

Exploring the nexus of digital inclusion and environmental sustainability: insights from Cambodia

ABSTRACT This research examines the confluence of digital inclusion and environmental sustainability in Cambodia, utilizing quantitative survey data from 380 participants. The study probes the effects of digital access, literacy, technology use, and sustainability education on sustainability awareness, adoption of sustainable practices, and environmental impact. The findings reveal the positive role of digital transformation in bolstering environmental sustainability. Digital literacy initiatives, access to digital technologies, and sustainability education integrated into digital inclusion efforts significantly enhance the adoption of sustainable practices and reduce environmental impact. The research offers valuable insights for formulating inclusive and environmentally sound policies and strategies, reinforcing the significance of integrating digital inclusion and environmental sustainability in a developing context.

The Impact of Artificial Intelligence on Elections

The digital revolution, characterized by the proliferation of social media and the integration of Artificial Intelligence (AI), has significantly impacted the political landscape of every country where free and fair elections are conducted. AI has the potential to affect the elections both positively as well as negatively. It is an opportunity to improve the democratic process in our societies by helping citizens to gain a better understanding of politics and engage more easily in democratic debate. Politicians can also improve their ability to represent the people by getting to know them better. This kind of cooperation between voters and elected officials has the potential to transform political campaigns and significantly enhance the process of formulating public policy, rendering it more precise and effective. On the other hand, there are certain concerns over the use of AI in politics as it poses multiple risks to democracies like misinformation and disinformation campaigns including deep fakes, the amplification and weaponization of hate speech, micro-targeting of voters, racial and gender stereotyping, AI-driven campaigning and the possibility of aspects of electoral processes being targeted through automated messaging such as political bots and chatbots. These AI-driven disinformation tools have the capacity to distort public opinion, influence voter attitudes, and jeopardise the democratic process itself. This paper critically examines the influence of AI on elections and democracy and underscores the need for robust regulatory frameworks and digital literacy initiatives to safeguard the democratic ethos in the age of AI.

Population ageing, incarceration and the growing digital divide: Understanding the effects of digital literacy inequity experienced by older people leaving prison.

Digital inequity refers to the inequality and exclusion experienced by those who lack the same opportunities or circumstances to support the development of digital skills as the rest of modern society. One rapidly growing and highly vulnerable group to digital inequity is older people attempting to reintegrate into society after release from prison, where technology access is limited. Inadequate support for digital skills in this population entails widespread consequences for public health, human rights, social welfare and recidivism. This qualitative study is the first to: examine digital inequity experienced by older people who have been incarcerated, understand the effects of this on reintegration to society, and begin informing appropriate solutions. Semi-structured interviews were conducted with N = 15 older people (mean age = 57) who had been released from an Australian prison in the last two years, regarding their experiences of digital literacy since leaving prison. Reflexive thematic analysis was conducted under a critical realist lens. The analysis resulted in six themes that illustrated the extent of digital inequity experienced by this population, and key challenges for improving digital literacy: 'surviving in a digital world', 'stranger in a foreign world', 'questioning the digital divide', 'overcoming your "old" self', 'don't like what you don't know', and 'seeking versus finding help'. The digital inequity that older people experience during and after incarceration creates additional challenges for a growing group who are already medically and socially marginalised. Prioritisation of this group for digital literacy initiatives both during incarceration and in the community will have benefits for their health, social and financial reintegration. Their unique life experiences should be considered in designing and delivering these programs. Simultaneously, prisons should be cognizant of the potential detrimental effects of technology restriction on reintegration and criminogenic outcomes.

A study on customer satisfaction regarding mobile wallets with a focus on google pay and Paytm in the Tiruchirappalli district

This research focuses on the study of customer satisfaction regarding mobile wallets. The modern era witnessed an enormous increase in mobile payment transactions within the mobile phone industry. Mobile phones function similarly to minicomputers, and the usage of various efforts allows individuals to engage in a multitude of activities, including but not limited to communication with others, tracking personal health and dietary habits, as well as conducting financial transactions such as making payments and receiving funds. Furthermore, after the implementation of the 'Digital India' initiative, smartphone applications used for digital payments have experienced a surge in popularity. Despite the abundance of banking applications available, Google Pay and Paytm are often regarded as secure and user-friendly options. This study investigates the degree of satisfaction among users of Google Pay and Paytm. The researcher has obtained a sample size of 150 from the population of mobile wallet users in Tiruchirappalli District. The selection of these samples was based on a judgmental sampling technique. The data analysis conducted using ANOVA and Friedman's ANOVA revealed that the respondents expressed satisfaction with both Google Pay and Paytm. Additionally, the reasons for utilizing these programs were largely identical. Despite being compelled to use wallets in some circumstances, respondents nevertheless exhibit apprehension over their usage. Therefore, the government must implement financial literacy initiatives aimed at promoting the widespread use and adoption of mobile wallets.

Navigating Knowledge Deserts: Information Literacy Initiatives in Rural Libraries

Navigating Knowledge Deserts: Information Literacy Initiatives in Rural Libraries

Digital Literacy Initiatives in India: Bridging the Gap for Online Education

Abstract As technology continues to change, educational change is inevitable. A lot of research is being done to understand the pros and cons of online education as compared to face-to-face education. In India, there are many challenges and opportunities for online education. In this paper, we have identified key factors that will drive online education in India through a comprehensive literature review. We have identified internet penetration, low cost of online education, ease of doing course, government initiative, employer recognition and bridging gap as the key factors for the growth of online education. There are certain factors that are hindering the growth which include inadequate digital infrastructure, credibility and language used in online education. The paper also looks at the future opportunities in the education sector with the increasing number of internet users in India.

A Health Literacy Initiative: Enhancing Health Behavior and Quality of Life for Socially Bound Aging in Northern Thailand

A Health Literacy Initiative: Enhancing Health Behavior and Quality of Life for Socially Bound Aging in Northern Thailand

Bridging the Gap: The Transformative Role of Technology in Enhancing Access to Justice in Pakistan

In the diverse landscape of Pakistan's legal framework, this article explores the transformative impact of technology, notably Artificial Intelligence (AI) and Blockchain, in revolutionizing access to justice. Through real-world stories of individuals like Tayyab, Anees, and Shazib, we witness how technology has become a catalyst for change, making justice more accessible, efficient, and transparent. The ongoing efforts in digital literacy initiatives and infrastructure development are pivotal in overcoming challenges such as geographical barriers and ensuring that the benefits of technology are widespread. While navigating these challenges, the potential for further advancements shines brightly, promising a future where AI assists legal professionals, secure digital platforms expand, and legal technology regulations evolve for a more inclusive legal system. This exploration concludes with the vision of a digital dawn for justice in Pakistan. The fusion of human intellect with AI assistance, the expansion of secure digital platforms, and the continuous refinement of legal technology regulations collectively pave the way for a legal community that transcends boundaries, where justice is not a privilege but a universal right. Together, we embark on a journey where technology becomes a bridge to justice, dismantling barriers and shaping a legal system that is more accessible, transparent, and inclusive for every Pakistani citizen.

Mitigating Health and Science Misinformation: A Scoping Review of Literature from 2017 to 2022

ABSTRACT Literature on how to address misinformation has rapidly expanded in recent years. The aim of this scoping review was to synthesize the growing published literature on health and science misinformation mitigation interventions. English-language articles published from January 2017 to July 2022 were included. After title/abstract screening, 115 publications (148 empirical studies) met inclusion criteria and were coded for sample characteristics, topics, mitigation strategies, research methods, outcomes, and intervention efficacy. A marked increase in misinformation mitigation research was observed in 2020–2022. COVID-19, vaccines, and climate change were the most frequently addressed topics. Most studies used general population samples recruited online; few focused on populations most vulnerable to misinformation. Most studies assessed cognitive outcomes (e.g., knowledge), with fewer assessing health behavior, communication behavior, or skills. Correction (k = 97) was the most used misinformation mitigation strategy, followed by education and other literacy initiatives (k = 39) and prebunking/inoculation (k = 24). Intervention efficacy varied, with 76 studies reporting positive, 17 reporting null, and 68 reporting mixed results. Most misinformation mitigation interventions were limited to short-term online experiments focused on improving cognitive outcomes. Priority research areas going forward include expanding and diversifying study samples, scaling interventions, conducting longitudinal observations, and focusing on communities susceptible to misinformation.

Hypercommodification in Indonesian Mass Media and its Impact on Society: A Study and Suggestions

This research focuses on increasing the commodification of media products, the proliferation of consumerist values, and their impact on media content, ownership, and political discourse. The findings show that the hyper-commodification of society in Indonesia has led to significant changes in the mass media industry, focusing on profit-driven media products and decreasing independent and diverse media content. This research also highlights the need for media literacy and education initiatives to counteract the effects of consumerism and to promote critical and informed media consumption. Overall, this research sheds light on the complex and interrelated processes of commodification, consumerism and mass media, and their impact on Indonesian society and culture.

Beyond the Birthday Cake Emoji: Unraveling Gender Differences and Behavioral Nuances in Nigerian Birthday Disclosures on Social Media

People often congratulate and celebrate one another on social media, unknowingly disclosing critical information about themselves which may lead to privacy issues. Through quantitative, structural equation modeling, and thematic analytical methods used on our data of 700 Nigerian participants using snowball sampling, comprising 48.4% men (339) and 51.6% women (361), we assessed influences on birthday disclosures, emphasizing social gratification, social media usage, and knowledge of privacy settings. Despite a general understanding of privacy measures, many Nigerians prioritize the immediate rewards of social gratification. Prolonged platform usage tends to reduce birthday disclosure. Gender-based differences were notable: with increased social media use, Nigerian men disclosed birthdays less frequently than women. Identification of the unique considerations that Nigerians make before disclosing their birthday, including emotional and religious factors as well as consideration of the impact of disclosure on reputation, sets this study apart from similar previous studies in the Western context. The findings highlight the necessity of acknowledging regional cultural nuances in digital practices and support the call for region-specific digital literacy initiatives.

Building a Foundation for Health: A Review of Healthy Lifestyle Knowledge Among Indonesian Cleaning Workers in the Malaysian Cleaning Services Industry

Introduction: The global economy is affected by Indonesian migrant workers' destinations in Malaysia, Taiwan, Hong Kong, and Singapore. Poor housing and cleanliness make it hard for Indonesian workers, especially cleaning service workers, to stay healthy. Employees in the cleaning service business may not understand how to manage their health or navigate the healthcare system due to health literacy issues. Indonesian workers in Malaysia are assessed for workplace health literacy and empowerment. Addressing these issues and improving health literacy can enhance public health, eliminate health inequities, and empower people to make health decisions. Methods: The cross-sectional accidental sampling study involves 23 Indonesian workers from a prominent Malaysian university. All Indonesian workers were given a full explanation of the 15-question healthy living questionnaire. Results: 47.9% of migrant workers had sufficient knowledge, 39.1% had poor knowledge, and 13% had good knowledge. Conclusion: Poor personal hygiene affects Indonesian workers in Malaysia, focusing on workplace health knowledge and empowerment. It stresses health literacy, especially for the poor. To improve public health, reduce health inequities, and empower people to make health decisions, these concerns and health literacy initiatives are crucial.

Review of Social Welfare Pension Schemes in Kerala – A Study with Special Focus on Pensioners Falling under Indira Gandhi National Widow Pension Scheme

Kerala is a state that is incomparable with many other states in India in matters of literacy, employment, social security, health, and many other social welfare initiatives. Social Security is the sum of all government regulations and provisions that aim at enhancing the people’s living conditions, including legislation/acts/laws, regulation, and planning in the fields of old age, wage, unemployment, social exclusion, sickness, and health care, and income security measures such as food security, employment, education and health, housing, social insurance, and social assistance. Financial assistance provided by the Government towards various pension schemes exhibits its concern for the privileged group in society. Various social welfare pension Schemes offered by Govt of Kerala include 1) Agriculture Labour Pension, 2) Indira Gandhi National Old Age Pension, 3) Indira Gandhi Nation Disabled Pension Scheme for Physically & Mentally Challenged Persons, 4) Pension to Unmarried Women above 50 Years and 5) Indira Gandhi National Widow Pension Scheme. Social security protects people living in economic and social distress. It can "protect'' people against a fall in living standards and living conditions through ill-health, unemployment, and accidents, and also "promote" enhanced living conditions, helping the poor to overcome persistent deprivations. There has been a growing demand that the approach to social security programmers and schemes should progressively shift to a rights-based framework and should not be viewed merely from a welfare prism. Welfare scheme aims to support the vulnerable section of society. The present study aims to 1) understand various social welfare schemes adopted by Govt of Kerala, and 2) Assess the benefits and Woes of Widows who avails Indira Gandhi National Widow Pension. The present study is based on data collected from primary and secondary sources and suitable statistical tools will be used to analyse the collected data. The study reveals that even though it is one of the flagship initiatives of the Government of Kerala, it has many flaws. A better understanding of the woes of pension beneficiaries will help in better implementation of the project.

The green library revolution: a catalyst for climate change action

PurposeLibraries are currently undergoing a significant transformation, emerging as dynamic advocates for environmental sustainability, surpassing their conventional roles as mere repositories of knowledge. In today’s world, dominated by the growing climate crisis, these evolving institutions are poised to play a pivotal role in addressing climate change. However, they confront a range of challenges, including the need to establish sustainable operations, provide accessible climate information, engage diverse audiences and uphold ethical standards.Design/methodology/approachThe research methodology used for this study involves an extensive review of literature. The authors analyze existing studies concerning green libraries and their role as catalysts for climate change action globally. This analysis draws from a variety of scholarly sources, encompassing articles, books and reports, to provide a comprehensive overview of the subject.FindingsThe findings indicate that despite the aforementioned challenges, libraries in developed countries worldwide have demonstrated noteworthy success through initiatives such as green building projects, community engagement programs, collaborative partnerships, expansion of digital resources, innovative climate literacy initiatives and a commitment to ethical stewardship. These achievements serve as a source of inspiration, fostering hope and spurring action as libraries empower communities to embrace environmental stewardship. They showcase the potential of libraries as catalysts for positive environmental change.Originality/valueThe originality and value of this research lie in its insights into the potential of green libraries initiative as a catalyst for climate change action. Ultimately, this study opens the door to untold literary exploration, revolutionizing the art of green library capacity in the ever-evolving technological landscape. To augment their impact, libraries are encouraged to broaden the scope of their climate education initiatives, expand their digital resources, cultivate strategic collaborations, prioritize ethical responsibility and implement thorough evaluation and communication practices.

Unraveling the Future: Emerging Trends of Financial Literacy in the Digital Age

Financial literacy plays a pivotal role in navigating the intricacies of contemporary finance, and as the financial landscape undergoes transformation, so do the trends in financial literacy. This theoretical paper delves into the emerging trends in financial literacy, focusing on their potential implications for both individuals and economies. The dynamic definition of financial literacy now encompasses a range of essential components, including digital literacy, sustainable investments, and comprehension of intricate financial instruments. Personalization and technology are facilitating tailored financial education, while the application of behavioural economics principles and nudging techniques is molding positive financial behaviours. Additionally, gamification and edutainment strategies are proving effective in engaging and motivating learners, thereby enhancing knowledge retention. Inclusive financial literacy initiatives are being developed to address the needs of underserved populations, contributing to the promotion of economic growth. Moreover, the relevance of education on digital currencies and blockchain is escalating as these innovations gain prominence, and investor education is gaining significance in response to the surge in retail investing. Concurrently, integrating financial literacy into educational institutions is equipping students early in life with essential financial skills. By comprehending these emerging trends, societies can design more efficacious financial education initiatives, empowering individuals to make well-informed financial decisions and bolstering economic resilience.

The Rise of Fintech: A Performance Analysis of Retail Mobile Stock Trading Platforms in India

The financial landscape in India is undergoing a significant transformation propelled by the rise of fintech solutions, notably mobile stock trading apps. These platforms have revolutionized the investment sector by eliminating traditional barriers and providing users with real-time market data, streamlined trading processes, and cost-effective brokerage services. The widespread adoption of mobile trading apps has resulted in a substantial surge in demat accounts and trading volumes, enhancing market liquidity and accessibility for a broader demographic. However, this rapid expansion underscores the importance of implementing robust regulatory measures to protect investors and uphold market integrity. As the fintech industry continues to evolve, it is imperative for stakeholders to prioritize financial literacy initiatives, responsible investing practices, and technological advancements to sustain growth and promote inclusive wealth creation. By leveraging innovative technologies and fostering a culture of informed investing, mobile trading apps have the potential to drive financial inclusion and empower individuals across diverse socioeconomic backgrounds to participate actively in the financial markets. Keywords: fintech, mobile trading apps, financial inclusion, regulatory measures, market integrity

Critical Analysis of the Research on Digital Literacy

Aim Research critical analysis will provide a comprehensive overview of the complexities inherent in digital literacy and its pivotal role in shaping the future of academic scholarship. This study uses a systematic literature review methodology to comprehensively examine digitalization initiatives in Digital Literacy Research. We conducted a comprehensive review of the existing literature on Critical Analysis of Digital Literacy Research. conclusion, the exploration of digital literacy and its impact on scholarly endeavors across diverse academic disciplines has shed light on the multifaceted ethical considerations and the need for tailored ethical guidelines and best practices. As we look towards the future of digital literacy research, it is crucial to adopt a forward-looking and adaptable approach that encompasses emerging technologies such as artificial intelligence, machine learning, and virtual/augmented reality. Understanding the influence of these technologies on digital competencies and their role in interdisciplinary collaboration will be pivotal in shaping the future landscape of collaborative scholarship. The synthesis of these policy considerations provides a comprehensive roadmap for bridging the gap in digital literacy and lays the groundwork for inclusive digital literacy initiatives. Moving forward, it is imperative for future research to delve into the enablers and barriers of implementing these policy recommendations in diverse academic settings. This will involve conducting case studies and collaborative research projects to assess the effectiveness of integrating digital literacy education into curricula and the impact of accessible digital resources on scholarly productivity and collaboration.