Advancement in Management and Technology (AMT)

Role of Flagship Schemes in Expanding Financial Inclusion in India (Evidence from the Modi Government Era)

Sohit Kumar Pandey, Nidhi Pandey, Ashok Kumar Mishra — Fri, 10 Jul 2026 00:00:00 +0000

Purpose: This paper investigates the position and development of financial inclusion in India under the Modi regime and particularly how the key flagship programs have performed in increasing access to inclusive financial services. Methods: The study takes the descriptive and analytical research design grounded in the secondary data taken using RBI reports, government publications, NSSO data and other literature. Trend and content analysis are used to evaluate the trend of financial inclusion indicators. Results: The results show a substantial increase in financial inclusion, which is backed by the increase in the Financial Inclusion Index. Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, Pradhan Mantri MUDRA Yojana and Stand-Up India Scheme are some of the flagship schemes that have increased access to banking, insurance, pensions and credit services, especially among underserved populations. Inclusion has also been enhanced by digitalization and direct benefit transfers. Research limitations: The research is restricted to secondary research and lacks primary-level behavioral information. Subsequent studies can include the micro-level analysis on the regions to gain a clearer insight into the usage trends and difficulties. Conclusion: The findings indicate that there should be more efforts to enhance financial literacy, service usage and regional imbalances in order to further financial inclusion. Originality: The research presents a general assessment of the financial inclusion program in the era of Modi, which has neither yet achieved success nor the gaps in the realization of inclusive growth.

Strategic Green HRM and Corporate Performance in GCC Economies: Integrating Behavioural and Institutional Perspectives

Fri, 10 Jul 2026 00:00:00 +0000

State-led agendas and mounting institutional pressure are increasingly defining sustainability transitions in Gulf Cooperation Council (GCC) economies, but little is known about the organizational processes that mediate the relationship between human resource practices and performance outcomes. The paper constructs and empirically validates a multi-level model that attributes the relationship between green human resource management (GHRM) practices and corporate performance to the mediating effect of green organizational citizenship behavior (GOCB) and investigates the existence of institutional pressure as a conditioning factor that defines the relationships. Based on a combination of institutional theory, the research claims that GHRM enhances employees' environmental capability, motivation, and opportunities, which in turn leads to discretionary pro-environmental behaviors that improve the firm's performance. With the help of survey data of the companies that are operating in the GCC countries and structural equation modeling, the results prove that GHRM positively influences corporate performance both directly and indirectly via GOCB, proving the significance of behavioral micro-foundations in sustainability performance. Further, the institutional pressure is also observed to enhance the indirect influence of GHRM on performance through GOCB, meaning that external regulatory and normative pressures enhance the efficacy of internally motivated green practice. This study is important to the body of literature by revealing a conditional indirect pathway and providing context-specific information on organizations that work in an emerging and policy-intensive environment.

Impact of Future Time Perspective on Sustainable Investment Strategies among Banking Professionals

Tina Bajaj, Shweta Kastiya — Fri, 10 Jul 2026 00:00:00 +0000

With the increasing market uncertainty and growing importance of sustainable finance and investments, the emphasis is being laid on long-term-oriented investment strategies. This trend has emerged as a major driving factor of resilient financial leadership. Banking professionals, as key participants in the financial system, are expected to demonstrate a long-term vision for investments and wise financial decision-making, both in their professional roles and in their personal investment choices. This study examines the impact of Future Time Perspective (FTP)—a behavioral construct reflecting an individual’s who are banking professionals, their orientation towards long-term goals—on sustainable investment strategies among banking professionals. In quantitative research design, primary data were administered to banking professionals using a structured questionnaire measuring future orientation, asset allocation behavior, and sustainability-driven investment practices. Descriptive statistics, reliability analysis, correlation, and regression techniques were employed to analyze the data. The findings reveal that Future Time Perspective has a significant positive impact on sustainable investment strategies, especially in terms of diversified financial portfolio asset allocation and preference for long-term financial instruments. The study highlights that FTP is a major psychological attribute that further strengthens financial resilience, supporting sustainable growth. By projecting future-oriented thinking as a micro-level leadership capability, the research contributes to the behavioral finance context and offers practical insights for the financial institutions, policymakers, and financial planners promoting long-term, sustainable investment behavior among banking professionals.