Tourism is a major economic and social activity of the present time. It is the temporary movement of people from their normal place of residence or work, mainly for pleasure. Due to the economic activities involved in the process of tourism, now it is emerged as an industry which is rapidly growing around the World. Tourism is the major source of foreign exchange earnings for many regions of the world. Tourism need to be addressed at the earliest as tourism has positive as well as negative impact on the cultural diversity, social standards, society and environment. The present study aimed to investigate the causal relationship between employment and income generation and tourist arrivals in district Srinagar of Jammu and Kashmir state. The results revealed that tourist arrivals accounts variation in the level of income and employment generation. Thus, tourism development has the potential to contribute to the economy of Srinagar district of Jammu and Kashmir State. Tourism is a major economic and social activity of the present time. It is the temporary movement of people from their normal place of residence or work, mainly for pleasure. Due to the economic activities involved in the process of tourism, now it is emerged as an industry which is rapidly growing around the World. Tourism is the major source of foreign exchange earnings for many regions of the world. Tourism need to be addressed at the earliest as tourism has positive as well as negative impact on the cultural diversity, social standards, society and environment. The present study aimed to investigate the causal relationship between employment and income generation and tourist arrivals in district Srinagar of Jammu and Kashmir state. The results revealed that tourist arrivals accounts variation in the level of income and employment generation. Thus, tourism development has the potential to contribute to the economy of Srinagar district of Jammu and Kashmir State.

Б а с р е д а к т о р фил. ғ. докторы, проф., ҚР ҰҒА корр. мүшесі Қажыбек Е.З. Р е д а к ц и я а л қ а с ы:

In recent decades, Bangladesh has prioritised the financial inclusion of its citizens in an effort to improve the economy and standard of living of the nation. Since its inception, the government of Bangladesh has implemented a wide range of policies and interventions to promote financial inclusion of women. After the devastating impact of COVID-19 on the national economy, the government and other financial institutions have again placed greater emphasis on promoting women’s financial inclusion. Despite the significant number of policies and interventions, women of diverse religious, ethnic, and regional backgrounds have been excluded from the targeted beneficiaries due to historical precedence. To fully understand the diversity and inclusivity of women’s financial inclusion, particularly in the post-COVID era, this paper examines the current financial policies and interventions through an intersectional lens. In doing so, this research first conducted a desk review of the current policies and interventions by the government and banking institutions relevant to the financial inclusion of women. It then focused on understanding the challenges and constraints of ensuring an equal approach to the financial inclusion of women in the post-COVID era. According to the key research findings, although various policies and interventions have been implemented to make this process inclusive, the implementation and monitoring of the policies yet remain a major challenge. To address the gaps in women’s financial inclusion and make it equitable in every way, this paper concludes with several recommendations.

The present study examined the impact of tourist arrivals on revenue generation. The results revealed that tourist arrivals accounts 51 per cent variation in revenue generation. Jammu and Kashmir State has a tremendous potential to become a major global tourist destination. Importance of tourism in J&K economy is known for decades now and its role in economic development has been an area of great interest from policy perspective. The tourism is being the key contributor in the economic development of J&K state. To understand the economic impact of tourism in the J&K state, present paper uses secondary sources of data and tries to examine the economic development such as tourist inflow, revenue generation.

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