ABSTRACT
The digital India initiative was launched in 2015 with a vision to transform India into a digitally empowered society and knowledge economy. Digital India strives to bring inclusive growth and bridge the digital divide by leveraging technology solutions that are low cost, developmental, and transformative and designed to empower ordinary Indians. However, digital services are not being uniformly distributed and accessible to all segments of the society. Some communities, the Scheduled Tribes (STs) in particular-face considerable obstacles in accessing digital services and are either completely or partially excluded. ‘Exclusion’ in the socio-political context may be defined as the process through which individuals or groups are wholly or partially excluded from full participation in the society in which they live. The ST population represents one of the most economically backward and socially excluded groups in India. As per 2011 Census, ST population constitute 8.6% of the total population of the India. They generally live in remote areas mainly forests, hills and inaccessible areas and speak a different language. The tribes have been confined to low status and are often physically and socially isolated. The process of social exclusion in STs are closely associated with the factors like geographical isolation, high level of poverty, low level of education, economical exclusion, socio-cultural exclusion, socially least awareness, miss out government services and welfare programmes, less exposure in society, etc,. In this backdrop, the present paper is to analyse major issues and challenges faced by Indian tribal community in access to digital services and digital platforms.

ABSTRACT
In Kenya, the real estate industry provided 9.0% of the GDP of the nation in the second quarter of 2020. It also made a large contribution to employment generation and the provision of residential and commercial space. But because of the weak housing market, which is demonstrated by the housing index's progressive and severe decrease in the 2019- 2020 period, real estate enterprises continue to encounter a variety of performance issues. The real estate firms in Kenya have also had challenges of late delivery of the housing projects, poor quality of delivered projects, client funds misappropriations, and legal challenges with their clients. This study sought to examine the effect of procurement management practices on the performance of real estate firms in Nairobi County, Kenya. This study utilized correlational research design. The study’s population was the 100 senior managers of real estate firms in Nairobi County, Kenya. The study utilized a sample size of 50 respondent’s generated using Naissuma coefficient of variation formula. The study collected data using structured questionnaires. The findings indicated that strategic procurement practices have a significant effect on the performance of real estate firms. The study concludes that applying aspects such as supplier optimization dynamics, supplier development and strategic alliances with suppliers is significant in organization performance among firms. The study recommends that supplier development strategies in terms of financial support and training ought to be underscored. The real estate practitioners and investors in the real estate may gain an understanding on the effect of the strategic management practices on the performance of the real estate firms.

ABSTRACT
This study examines the impact of money market variables on stock market volatility in Nigeria using an annual dataset from 1985 to 2021. Indicators of the money market, including certificates of deposit, commercial papers, bankers' acceptance, and treasury bills, were employed in the study. The Generalized Autoregressive Conditional Heteroskedasticity (GARCH-in mean) model was used to generate volatility of stock market index and a nexus between the variables. The findings showed that while commercial paper and treasury bills have no effect on stock market volatility in Nigeria, certificates of deposit and bankers' acceptance do. This study suggests increasing investment in money market indicators, particularly a certificate of deposit and bankers' acceptance, to lower investment risk and volatility of the stock market index.