A RESEARCH ON REPOSITIONING KHADI AS A SUSTAINABLE FASHION TEXTILE

Abstract

The growing appetite for sustainable fashion has opened doors to resurrect traditional textiles that represent environmental and social responsibility. Khadi, one of India’s most sustainable hand-spun and hand-woven textiles, continues to struggle for greater acceptance among today’s urban consumers as a result of its traditional image and poor market placement. The study analyzes the possibilities of converting Khadi into a modern sustainable fashion material that resonates with the changing customer preferences and lifestyles. To explore the customer perception and market challenges, a mixed-method approach combining literature review, analysis of KVIC sales data, consumer surveys, case studies of sustainable fashion firms and focus group discussions was utilized. The findings reveal that even if consumers are aware of the sustainability characteristics of Khadi, the adoption of Khadi is limited by perceptions of design, branding and accessibility. The study indicates that the modern product innovation, effective branding, digital marketing and lifestyle-oriented positioning can greatly improve the consumer acceptance. The study combines sustainability with fashion and marketing perspectives, to provide a practical framework for enhancing the relevance of Khadi in the contemporary fashion business and also helping to the preservation of India’s textile legacy and promotion of sustainable consumption.

RESUME-IQ: AI POWERED RESUME ANALYZER

Abstract

In today's competitive job market, a well structured and keyword-optimized resume plays a decisive role in securing employment opportunities. However, most candidates lack the tools or expertise to evaluate and improve their resumes effectively. Resume-IQ is an AI powered web application designed to bridge this gap by providing intelligent, automated resume analysis and personalized feedback. The system accepts resumes in PDF format, extracts textual content, and leverages the LLaMA 3.1 large language model via the Groq API to analyze the resume against a user provided job description. It evaluates key parameters such as ATS (Applicant Tracking System) compatibility, skill match percentage, missing keywords, and overall presentation quality. Feedback is delivered both on-screen and via email using Resend API for email delivery. The backend is developed using Node.js and Express.js, ensuring a lightweight and scalable architecture. This paper presents the design, methodology, implementation, and results of the ResumeIQ system, demonstrating its effectiveness as a smart career assistance tool.

Sovereign Green Bonds and India’s Climate Finance Strategy: An Empirical Assessment of Pricing, Demand, and Comparative Positioning

Abstract

India's Sovereign Green Bond (SGrB) programme, launched in January 2023, was designed to serve three purposes at once: to lower the government's own cost of borrowing through a pricing discount known as the greenium, to widen the base of climate-conscious investors, and to signal institutional credibility on climate commitments to international markets. This paper offers an empirical, data-grounded assessment of how far the programme has achieved these aims over its first three years of operation, drawing on Reserve Bank of India auction records, market commentary, and a comparative review of four other emerging-market sovereign issuers: Chile, Indonesia, Nigeria, and Poland. The analysis finds that India's greenium has been inconsistent rather than dependable: an early positive differential gave way to a confirmed negative greenium of 9 basis points at the August 2024 auction, meaning the government paid a premium rather than a discount to issue green. Investor demand, measured through subscription ratios, has also weakened over time, from 4.11 times the notified amount at the debut auction to close to parity by mid-2024. Placed alongside Chile, Indonesia, and Nigeria, India's cumulative issuance covers under 1 per cent of its own annual climate finance requirement, a smaller share than Chile's, though larger than Nigeria's. The paper concludes that SGrBs have, so far, functioned more effectively as an instrument of institutional signalling and market development than as a reliable source of cost savings, and it sets out specific, data-supported recommendations for improving reporting transparency, deepening the domestic investor base, and scaling issuance. Keywords: Sovereign Green Bonds, Greenium, Climate Finance, India, Reserve Bank of India, Comparative Analysis, Sustainable Finance

Impact of Automation on Operational Efficiency in Fund Accounting Processes at State Street Corporation: Mediating Role of Process Integration and Moderating Role of Digital Transformation

Abstract

Abstract— Global custodian banks operate fund accounting functions that process trillions of dollars in daily net asset value calculations, reconciliations, and regulatory reporting, making operational efficiency in this function a direct driver of cost, risk, and client trust. State Street Corporation, which reported approximately $53.8 trillion in assets under custody and administration and around 52,000 employees across more than 100 markets at the end of 2025, exemplifies the scale at which fund accounting automation decisions play out. Industry surveys indicate that automation adoption in financial-services back offices remains uneven: while a majority of institutions have begun deploying robotic process automation and workflow tools, many finance leaders report that only a modest share of their processes are actually automated end-to-end, and technology-transformation programmes at asset managers and custodians have been associated with efficiency gains of roughly 30 percent when implemented as integrated, firm-wide initiatives rather than isolated tools. This proposed study develops and operationalises a research model in which Automation affects Operational Efficiency in fund accounting both directly and indirectly through Process Integration, with the strength of this relationship contingent on the organisation's Digital Transformation maturity. Grounded in the Resource-Based View, Dynamic Capabilities Theory, and the Technology-Organization-Environment framework, the paper develops five hypotheses, a four-construct measurement model, and a nine-step PLS-SEM based analysis plan for testing the proposed moderated-mediation model using primary survey data from fund accounting, operations, and technology professionals. The paper is intended as a replicable, publication-ready research design rather than a report of completed fieldwork, and it identifies the data-collection and measurement steps required before the model can be estimated. Keywords: automation, operational efficiency, fund accounting, process integration, digital transformation, robotic process automation, custodian banks, PLS-SEM.