INTERNATIONAL JOURNALS OF MULTIDISCIPLINARY RESEARCH ACADEMY

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International Journal of Management, IT & Engineering (IJME)
ISSN: 2249-0558

Volume 16, Issue 3 (March 2026)

PARTICULAR	Page No.
Building AI Agents for Secure Software Development Lifecycle (SSDLC) in Payments Suman Basak Abstract: The integration of artificial intelligence into the Software Development Lifecycle represents a paradigm shift in how enterprise applications are built, secured, and deployed. Download full Lenght Paper......	1-12
INFLUENCE OF BHAGAVATISM ON MAHAYANA BUDDHISM Smt. Yeduvaka VijayaLakshmi* , Prof.V.Sreemannarayanayana Murthy Abstract:** Siddhartha of Sakhya Dynasty has performed penance by sitting under pipal tree at Bodhgaya and attained enlightenment in his 42nd year. Later, he turned as a founder of Buddhism by himself calling as Gautama Buddha. Gautami was his step-mother who has brought him up. Download full Lenght Paper......	13-20
Government Welfare Schemes and Economic Agency of Rural Women: A MicroLevel Empirical Assessment from Coimbatore, Tamil Nadu Dr.R.AMSAVENI Abstract: Women’s economic empowerment constitutes a central pillar of inclusive rural development in India. Despite extensive welfare interventions, empirical evidence at the micro level remains limited regarding their direct contribution to women’s economic agency. Download full Lenght Paper......	21-29
Effectiveness of Pradhan Mantri MUDRA Yojana (PMMY) in Enhancing Financial Inclusion among Micro and Small Enterprises in India Dr.S.Kokilavizhi Abstract: Financial inclusion is a key driver of inclusive economic growth, particularly in developing economies where micro and small enterprises (MSEs) form the backbone of employment and income generation. Download full Lenght Paper......	30-39
Women’s Perception on Kalaignar Mahalir Urimai Thittam in Coimbatore District Dr.B.Indira Priyadharshini Abstract: The Kalaignar Mahalir Urimai Thittam (KMUT), launched by the Government of Tamil Nadu, is a flagship welfare scheme that provides direct financial assistance to women heads of families to enhance their economic security and social dignity. Download full Lenght Paper......	40-45
OCCUPATIONAL STRAIN AMONG SINGLE WORKING WOMEN Dr. P. Anitha Abstract: Although the involvement of women in the professional domain is a turning point in the historical process toward equality, it has given rise to the phenomenon known as "dual burden." The situation is further compounded for single working women, that is, women who are widowed, divorced, or unmarried, because of the absence of a supportive partner in the family domain. Download full Lenght Paper......	46-51
FINANCIAL LITERACY AND INVESTMENT AWARENESS AMONG YOUTH Dr. Kayathridevi D, Pratheesh S, Deepak S, Dhanush V Abstract: Financial literacy is important for helping youth make better financial decisions. This study examines the level of financial literacy and awareness among young people, including their knowledge of saving, budgeting, and investment. Download full Lenght Paper......	52-55
FINANCIAL LITERACY AND INVESTMENT FOR MUTUAL FUND INVESTORS Dr. Kayathridevi D, Adhithiya Shree S, R Abhishek, Almubarak T A Abstract: Financial literacy plays an important role in helping individuals make informed investment decisions. Mutual funds have become a popular investment option due to their diversification, professional management, and potential returns. Download full Lenght Paper......	56-60
GST AND IT’S EFFECT ON MNC MANUFACTURING COMPANIES IN INDIA Dr. Vrindha. A, S Shibla Shahana, Z Ashimina, Devika P Abstract: The Goods and Services Tax (GST), introduced in India in 2017, significantly transformed the country’s indirect tax system by replacing multiple taxes with a unified tax structure. Download full Lenght Paper......	61-67
IMPACT OF AI IN FINANCIAL DECISION MAKING Dr. Kayathridevi D, Rithul A C, Abdul Aseeb P, Abhay B Abstract: Artificial Intelligence (AI) has significantly transformed financial decision-making by enabling faster, more accurate, and data-driven analysis in the financial sector. This study examines the impact of AI on investment strategies, portfolio management, and risk assessment among investors and financial institutions. Download full Lenght Paper......	68-72
Profitability Evaluation of Reliance Industries Limited Using Financial Ratios Ms.S.Shanthi, Thamizharasan G, Sri Vishnu Prasath V V, Suhail Arfas M I Abstract: Profitability is one of the most important indicators used to measure the financial performance and operational efficiency of a business organization. It reflects the ability of a company to generate earnings from its operations and effectively utilize its available resources. Download full Lenght Paper......	73-77
THE FINANCIAL CHALLENGES ON GST FACED BY STARTUPS IN THE DIGITAL BUSINESS ENVIRONMENT Dr. Shabana.S, Ms. Aswathi.R, Prathakshina S, Sarumathi V Abstract: In the rapidly growing digital economy, startups increasingly depend on online platforms and digital technologies to operate and expand their businesses. However, the implementation of the Goods and Services Tax (GST) has introduced several financial and compliance challenges for these startups. Download full Lenght Paper......	78-81
THE ROLE OF NBFCs IN PROMOTING GREEN BOND FINANCING FOR SUSTAINABLE DEVELOPMENT Dr. Shabana.S , Thilaka Vadivel, Pragathi R, Mohamed Fayaz M Abstract: Sustainable development has become a major priority for economies across the world as environmental challenges and climate change continue to intensify. In recent years, green finance has emerged as an important mechanism to support environmentally sustainable projects. Download full Lenght Paper......	82-86
Impact of foreign direct investment on performance of Indian telecom sector SHILPI KUMARI Abstract: Foreign Direct Investment (FDI) has played a significant role in the development and modernization of the Indian telecom sector. Since the economic liberalization reforms of 1991, India has gradually opened its telecommunications industry to foreign investors, leading to increased capital inflows, technological advancement, and infrastructure expansion. Download full Lenght Paper......	87-99
Post-COVID Financial Performance of Leading Cement Firms in India SATYAM KUMAR Abstract: The COVID-19 pandemic caused unprecedented disruptions across industries, and the Indian cement sector was no exception. With nationwide lockdowns, halted construction projects, and labor shortages, the industry faced significant challenges in 2020. Download full Lenght Paper......	100-106