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Integrating E-Commerce Technologies with Microfinance: A Pathway to Socioeconomic Empowerment
(Book Rivers, 2025) Nabeel Mujtaba, Sultan Ahmad, Moiz Akthar, Niraj Kumar
The integration of e-commerce and microfinance is a significant tool for fostering financial inclusion, economic empowerment, and reducing poverty, especially in emerging economies. E-commerce increases the availability of markets for tiny businesses, whereas microfinance supplies the financing required to continue operating and expand small firms. Digital payment systems, smartphone banking, and a blockchain-based banking services all improve usability and productivity. Yet, obstacles like insufficient internet access, unclear regulations, cybersecurity threats, and social and cultural hurdles impede efficient integration. This chapter investigates the role of e- The Spectrum of Management Page | 121 commerce in microfinance, its socioeconomic impact, and the primary impediments to its adoption. Case studies, such as M-Pesa in Africa and microfinance-backed e-commerce platforms in Asia, demonstrate successful implementations that have increased economic participation and company viability. Investments in digital infrastructure, fintech cooperation, regulatory reforms, digital literacy training, and trust-building measures are among the most effective alternatives. The findings underscore the need of supportive policies, technology breakthroughs, and scalable financial solutions for closing financial disparities and promoting inclusive growth. By tackling these difficulties, e-commercedriven microfinance can create new economic opportunities, empower underprivileged people, particularly women, and contribute to the digital economy's long-term sustainability.
Experiential Pathways to Indian Knowledge Systems and Values
(Institute of Management Technology, 2025) Dhriti Tiwari, Azkiya Waris
The Indian perspective on education is comprehensive and profound, emphasising the necessity for education to promote both internal and external growth. The National Education Policy 2020 and the NCFSE 2023 both recognise and underscore the notion that learning beyond simply information accumulation; it embraces self-discovery as well as personal development. The extensive history of Indian contributions to several fields, referred to as the Indian Knowledge System (IKS), has illuminated these two policies. The quest for knowledge (Jnan), wisdom (Pragyaa), and truth (Satya) have always been regarded in Indian thought and philosophy as the ultimate human endeavour. These valuable legacies of world heritage must be nurtured, protected, and integrated into the curriculum, as this fosters pride, self-confidence, and enhances learning in those domains. This paper analyses the concept of Indian Knowledge Systems (IKS) and its correspondence with value education based on Indian cultural and philosophical traditions. It further examines experiential learning practices as effective mechanisms for integrating Indigenous Knowledge Systems and values into educational curricula.
Biopolymer-based Chemotherapeutics: Combination Therapies and Synergistic Effects
(Bentham Science, 2025) Rufaida Wasim, Tarique Mahmood, Saba Parveen, Aamir Anwar, Asad Ahmad
Applications of nanotechnology have increased the importance of research and nanocarriers, which have revolutionized medication delivery in recent years to treat a range of diseases, including cancer. Due to its multidrug resistance to several chemotherapeutic treatments, cancer, one of the most dangerous diseases in the world, has drawn the attention of experts. Scientists have created a different way to deliver chemotherapeutic drugs to the desired location while reducing side effects and enhancing delivery efficacy on healthy cells by incorporating them into nanocarriers such as synthetic polymers, nanotubes, micelles, dendrimers, magnetic nanoparticles, Quantum Dots (QDs), lipid nanoparticles, nano-biopolymeric substances, etc. Nanotechnology applications have made research and nanocarriers—which have recently transformed drug delivery to treat a variety of illnesses, including cancer—even more crucial. One of the most deadly illnesses in the world, cancer, has caught the attention of scientists because of its multidrug resistance to several chemotherapeutic therapies. By integrating chemotherapeutic drugs into nanocarriers like synthetic polymers, nanotubes, micelles, dendrimers, magnetic nanoparticles, Quantum Dots (QDs), lipid nanoparticles, nano-biopolymeric substances, etc., researchers have developed an alternative method of delivering these medications to the intended site while minimizing side effects and improving delivery efficacy on healthy cells. Preclinical and clinical research on cancer treatment has yielded promising results. Biopolymers stand out as viable options for anticancer nano drug delivery systems due to their exceptional biocompatibility. Moreover, the presence of ligands in some biopolymers that are naturally present on the surface of human cells enables active targeting.
The Circadian System and Biological Rhythms
(CRC Press, 2026) Rufaida Wasim, Elena Zaahu, Tarique Mahmood, Aamir Anwar, Abdulaziz S. Sacedan
An important biological mechanism that controls the timing of many physiological and behavioral processes throughout the day is the circadian clock. The hypothalamic suprachiasmatic nucleus (SCN), the master clock that masters the rhythmic production of genes, hormones, and other functions, lies at the hub of this system. Hormone release, body temperature, metabolism, and the sleep-wake cycle are all regulated by circadian rhythms. These rhythms, which assist the body's internal timekeeping system stay in sync with the outside world, are regulated by both internal biological clocks and external environmental cues like light and darkness. Circadian rhythms ensure the body's physiological processes align with the day-night cycle, which is essential for maintaining optimal health. Sleep disorders, metabolic irregularities, cardiovascular ailments, and mental disorders may all result from disruptions to these cycles brought on by shift work, and extreme sleep deprivation. Studies have also connected the onset of chronic illnesses like diabetes and cancer to abnormalities of the circadian clock. Enhancing medical research and public health necessitates a perception of the molecular mechanisms underlying circadian rhythms and how they react to environmental stimuli. The devastating effects of circadian disruption may be debilitated by interventions like behavioral changes meant to maximize or restore circadian rhythms. This chapter discusses the circadian system's evolution, function, impact on biological cycles, and implications for both health and illness.
Operations Research Integrated Models and Decision Strategies
(Geh Press, 2025) Aamir Khan, M. Kashif Khan
This book presents a comprehensive and systematic exposition of Operations Research (OR), emphasizing its theoretical foundations, methodological frameworks, and wide-ranging applications in business, engineering, and industrial systems. Beginning with an introduction to the meaning, scope, and significance of Operations Research, the text highlights the role of quantitative techniques, data analysis, and model formulation in effective decision-making and optimization.
The book extensively covers Linear Programming, including problem formulation, graphical and simplex methods, duality, sensitivity analysis, and real-world applications in resource allocation. Various decision approaches and theories are discussed to address decision-making under certainty, risk, and uncertainty, incorporating decision trees, payoff criteria, neural networks, Markov models, and predictive techniques.
Core operational models such as Inventory Control, Queuing Theory, Transportation, Assignment, and Sequencing Models are presented with mathematical rigor and practical relevance, enabling readers to analyze cost minimization, scheduling, service efficiency, and system optimization problems. Advanced topics including Game Theory, Simulation, Markov Chain Analysis, and Network Analysis with Project Management (PERT/CPM) further extend the analytical toolkit for handling competitive, stochastic, and project-based environments.
Designed with a learner-centric approach, the book integrates conceptual explanations, mathematical formulations, solved examples, and practice problems, making it suitable for undergraduate and postgraduate students of management, engineering, and applied sciences, as well as professionals seeking analytical decision-support tools. Overall, the book serves as a holistic resource for understanding and applying Operations Research techniques to complex real-world problems.