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Author

Bhawna

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Open access Sep 2026

EFFICIENCY DYNAMICS OF MICROFINANCE INSTITUTIONS: A DATA ENVELOPMENT APPROACH

The efforts have been in the study to assess the effectiveness of 30 Microfinance Institutions (MFIs) in four areas using Data Envelopment Analysis (DEA) through returns to scale (RTS), scale efficiency (SE), pure technical efficiency (PTE) and overall technical efficiency (OTE). The findings describe that majority of...

Bhawna, Suresh Kumar Mital · 0 citations
Review Open access Jul 2026

ARTIFICIAL INTELLIGENCE IN DIGITAL LEARNING AND EDUCATION: A SYSTEMATIC LITERATURE REVIEW

Results indicate that AI literacy and perceived opportunities consistently predict acceptance and adoption, that anxiety and trust/transparency perceptions act as critical psychological mediators, and that sustainability and organizational-culture factors increasingly shape institutional AI adoption beyond the individu...

Bhawna · 0 citations

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