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Financial literacy education is a lifelong asset that every individual needs to function and fit well in modern-day society. It provides the financially savvy better decision making, best investment alternatives and family wellbeing. Unfortunately, most consumers especially in this part of our world appear relatively less active and less confident in participating meaningfully in the financial sector due to lack of knowledge about the complex nature of financial products and services and indeed the risk that goes with them. As a contribution in addressing this problem, this study looked at financial literacy education and its implication on the economic and social life of the teacher in the Upper East Region of Ghana. With a descriptive survey design, 118 participants responded to questionnaires. Results showed low levels of financial literacy among participants which can negatively affect their daily financial management. It is therefore definite that the financially literate has the advantage to undertake prudent alternative investment decisions and able to make informed retirement planning. Being financially illiterate adversely affects one’s life in relation to the culture of savings, expenditure pattern, investment decisions and budgeting skills, making the individual economically insecure. The study has policy frontier implications; policy makers in the financial sector, governments, non-governmental organisations and equity owners are encouraged to come to the aid of consumers, especially teachers, by way of introducing professional teacher development programmes specifically tailored at uplifting their financial literacy knowledge and skills.

This research paper focused on analysing the results of previous studies conducted by different researchers to examine the impact of Covid19 on the Secondary sector of Indian economy over the selected sectors of Textile and apparel (T & A) and Automobile Components respectively. The whole world is in the grasp of Coronavirus. The diffusion of the virus is so immense that it obliged the World Health Organisation to declare it as a pandemic. The severe outbreak of the virus has unparalleled implications on the worldwide economy. Unembellished economic onus and grave aftermath shock have been borne by almost all sectors Indian economy. Meanwhile, the industries in this framework of nose diving economic situation are due to the pandemic. Therefore, this article is intended to study the impacts of Covid19 on secondary sectors of Indian economy. This study would also explore the impact of Pandemic as an independent variable and the resultant effect in terms of sectorial impact as a dependent variable.

The aim of this presented work is to elucidate the screening and characterization of cellulolytic bacteria from soil. Soil samples from different areas of agricultural fields of Narmada district were used for the screening of cellulolytic bacteria by serial dilution and pore plate method. Isolates were additionally characterized by morphological and biochemical tests. Out of forty nine isolates were selected on the basis of clear zone produced 7mm =. These five potential isolates were further screened for cellulolytic activity among which three isolates AII3, AI3 and CIII5 exhibited promising activity of cellulase in agar plate assay. Isolation, screening and characterization of isolates for cellulolytic activity provided appreciated and novel enzymes for the alteration of cellulolytic waste into valuable compost.

The soil samples were collected from different fields of Narmada District. Soil samples were collected in two different zones i.e. rhizoplane and rhizosphere. Then collected samples were inoculated on Potato Dextrose Agar (PDA) medium which was supplemented by suitable antibiotics such as Chloramphenicol by adopting soil dilution method and soil plate method. The present study was conducted to find out the fungal diversity in agricultural fields in Narmada. A total of 154 colonies were isolated. From this investigation, 14 species of fungi belongs to 6 different genera were isolated and identified whereas 23 strains left unknown. Identification and characterization of the soil mycoflora were done with the help of authentic manuals of soil fungi.

This research illustrates and explains the role of forestry police in maintaining the sustainability of forest areas so that they are maintained. The method used in this research is a sociological approach with case study design. The type of research used is descriptive qualitative. The results showed that the role of forestry police in guarding the Alas Purwo National Park area, especially endemic animal theft has been followed up. As with the fact that poaching and utilization of wildlife is endemic, for business and pleasure purposes (hobbies and collections) has resulted in thousands of wild animals of various types endangered. This form of violation has been followed up by the forestry police and sanctioned to the perpetrators. To minimize animal theft, cooperation and community participation are needed both technical and non-technical.