International Journal of Social Sciences and Economic Review <table style="border-style: dotted; height: 248px;"> <tbody> <tr style="height: 248px;"> <td style="width: 713px; height: 248px;"> <p><strong>International Journal of Social Sciences and Economic Review (IJSSER) (</strong>Online ISSN:<a href="tel:2706-9346">2706-9346</a>) is a double-blind peer-reviewed quarterly open access journal that encourages the latest research on the social sciences, and economics globally. The journal aims to publish quality research and provide access to international libraries to promote the original content in the field of social sciences and economics. IJSSER is academic journal that accepts the high quality theoretical or empirical works throughout the world that contribute genuine knowledge and research in the fields of social sciences and economics. The Journal owned by International Collaboration for Research and Publications. <br /><strong><em>IJSSER is an Open Access Journal</em>.</strong> So, readers can access it freely.</p> <p><a href="">Make a Submission</a> <a href="">Authors Guidelines</a> <a href="">Journal Template</a></p> </td> </tr> </tbody> </table> <p> </p> en-US International Journal of Social Sciences and Economic Review 2706-9346 <p>IJSSER has an open access policy to its content under the terms of the <a href="" target="_blank" rel="noopener">Creative Commons Attribution License 4.0</a>. Researchers and academicians are allowed to download, copy, print, and access the link for the full text of the published material without any charges. As well as, Authors are allowed to read, distribute, submit to their institution’s library, and any other repositories.</p> Impact of Risk Management towards Sustainability of Microfinance Industry in Sri Lanka: A Case Study <p><strong>Purpose of the study</strong>: The microfinance industry has been developed significantly last two decades. It is fast becoming a household name globally and one of the key contributors to social-economic development. The Sustainability of the microfinance industry depends on several factors and encounters numerous challengers. The purpose of the study is to examine whether there is a relationship between risk management and the sustainability of the microfinance industry in Sri Lanka.</p> <p><strong>Methodology:</strong> A simple regression analysis is used to demonstrate a connection in which one independent variable is predicted to influence one dependent variable. The study included 376 microfinance women borrowers from three districts in Sri Lanka, and the cluster sampling approach was used. Primary data was gathered using surveys, while secondary data was collected from CBSL, MFI annual reports, and the Microfinance Information Exchanger (MIX).</p> <p><strong>Main Findings:</strong> The study findings reveal that effective risk Management has a significantly positive relationship with the Suitability of the Microfinance Industry in Sri Lanka.</p> <p><strong>Research limitations/implications</strong>: The study was limited to three districts out of 25 districts in Sri Lanka, and the sample frame was selected from three leading MFIs that agreed to participate in the research. The availability of time for this study was limited and could not permit the consideration of all MFIs and the entire country.</p> <p><strong>Novelty/Originality:</strong> The study concludes that MFIs should have a proper and effective risk management process, but it should be adequately handled and communicated to borrowers. It implies that proactive risk management is essential to the long-term Sustainability of microfinance institutions (MFIs).</p> Gishan Illangakoon S. M. Ferdous Azam Adam Amril Jaharadak Copyright (c) 2021 2021-12-31 2021-12-31 3 4 01 07 10.36923/ijsser.v3i4.117 Striking a Balance between Centralized and Decentralized Decision Making: A School-Based Management Practice for Optimum Performance <p><strong>Purpose of the Study: </strong>School decision-making promotes school autonomy and success. Today’s contemporary approach supports the idea that operative school functioning and development are characteristically accomplished when there is decentralized decision-making. Hence, the purpose of the study is to find the balance between decision-making in a centralized and decentralized structure in a school based system.</p> <p><strong>Methodology:</strong> An extensive search of major databases was undertaken, which identified 35,822 studies on the subject, wherein 9 met the inclusion criteria. Employing a systematic literature review, data were extracted and analyzed using thematic analysis. Two themes arose from the analysis of the studies, such as decision-making as a school-based management practice and decision-making towards school performance.</p> <p><strong>Main Findings</strong>: Studies on decision-making in school management from a sociological approach. It also highlights the need to mix centralized and decentralized techniques to improve education. Following are some debate points that might want more research: (1) school principal decision-making and (2) school running expense and spending decision-making.</p> <p><strong>Research Implications: </strong>The study's findings will aid in improving staff performance and community comprehension of schooling. Increased participation of internal and external stakeholders can boost school autonomy and accountability.</p> <p><strong>The novelty of the study: </strong>As a school-based management technique, the correct balance of centralized and decentralized decision-making might enable schools to function at their best while corporations attain peak performance.</p> Celinmar M. Cornito Copyright (c) 2021 2021-12-31 2021-12-31 3 4 08 15 10.36923/ijsser.v3i4.122 Preparedness of recovery to the vulnerability of climate change in the coastal areas in Bangladesh <p><strong>Purpose of the Study: </strong>This research aims to identify the susceptibility of Bangladesh's coastal areas to natural disasters related to climate change and raise vigilance in the region.</p> <p><strong>Methodology:</strong> We have conducted a survey of farmers in eight coastal Unions to identify the impact of climate change and the ability to implement coping mechanisms and their family size and income level. Face-to-face interviews, in-depth case studies, and focus group discussions were carried out in the survey. We further summarized the effect and recent consequences of cyclones, the major disaster in the country that are followed by flooding.</p> <p><strong>Main Findings</strong>: The finding of the study reveals that the shelters are insufficient to accommodate the dense population and will be a crowded space under the influence of COVID-19, further raising the vulnerability of those affected by a disaster. The coping mechanisms implemented were the storage of rainwater and groundwater and empowering women to produce dairy products and sustain the household income. The experts’ opinion to counteract the climate change was adaptation and mitigation. Since building resilience requires a fair budget and global support, we focused on adaption, considering three adaptive approaches: accommodation, protection, and retreat. Among those, considering the densely populated nature of Bangladesh, improving accommodation and protection were the feasible solution to be proposed. In conclusion, people's livelihood activities could be diversified by providing need-based training and motivations.</p> <p><strong>Research Implications: </strong>One-fourth of the total population lives in the coastal areas in Bangladesh, which frequently faces tropical cyclones, storm surges, coastal erosion, and sea-level rise that cost enormous loss to the crops, livestock, forestry, and human selves. The biodiversity of the Sundarban, one of the most vulnerable ecosystems, is also at risk of those natural disasters.</p> <p><strong>The novelty of the study: </strong>Climate change is posing major threats to Bangladesh's coast. This study's findings will help individuals recover from the effects of climate change and prepare for the future.</p> Mohammed Rokonuzzaman Yuta Hattori Copyright (c) 2021 2021-12-31 2021-12-31 3 4 16 23 10.36923/ijsser.v3i4.136