This study explores the impacts of adult literacy centers for woman in District Malakand. The students of adult literacy centers of District Malakand constitute the population of the study. There are 6 centers, three each for males and females. A group of 10 women in each female center was selected for focus group discussion. A sample of 30 individuals was taken with the help of Judgmental sampling. The primary data were collected with the help of a focus group discussion. Questions were asked from the participants keeping in view the objectives and relevant literature. The participants were inquired what they gained from the adult literacy program. During the group discussion Field notes were taken and the discussion was also recorded. After each group discussion the recorded data was transcribed verbatim. Data were verified by comparing the field notes and video. All transcriptions and field notes were thoroughly read by the researchers. Three stage approaches were adopted for data reduction. The narrative of the participants was changed into a simple description. Description was categorized under one theme. Representative quotations were also added to various response categories, themes and patterns emerging from the data. The participants showed positive response. They learnt basic reading, and writing, they could check the homework of their children, literacy brought awareness in their lives and this literacy program enabled them to start small business. Moreover, the centers provided an opportunity for socialization.

The purpose of current study was to explore the effect of digital literacy on academic performance of the students at higher education level. The study was mixed method and data were gathered with a questionnaire and semistructured interviews. The validity and reliability of the scales were ensured through experts' opinion, pilot testing and Croanbach Alpha score. The population comprised the students of M.S/M.Phil and Ph.D. A sample of 800 students was selected randomly from 10 Universities. The statistical tests like mean, standard deviation and correlation were used. Results revealed that digital literacy had significant effects on communication skills, research skills and confidence of the students and insignificant effect on students' CGPA.

The assumption of investor rationality had been central to developing an understanding of financial markets and decision outcomes. But the formation and consequent burst of tech-stock bubble changed the paradigm and shifted towards the behavioral interruption aspect of investor psychology. The study aimed to investigate the relationship of two heuristics and one emotional bias with financial decisions and the moderating effect of financial literacy on the said relationship. Primary data is gathered through questionnaire from 208 clients of national savings. Moderation analysis was done and the effect of biases on the financial decisions was found significant enough. Furthermore, financial literacy moderates this relationship positively only for heuristics but no moderation found for selfcontrol. The policymakers can design their financial instruments and strategies by keeping in view the implication of biases on investor’s decision. Moreover, periodic financial literacy sessions can be arranged to create awareness among investors and advisors.

Literacy practices focus classroom assessment skills and knowledge. This study investigated the correlation of classroom assessment literacy and practices of teacher educators in Pakistan. Teacher educators of Punjab and Khyber Pakhtunkhwa, Teacher education institutions were investigated through Assessment Literacy Test (ALT), Classroom Assessment Practices Questionnaire (CAPQ) following quantitative correlational research design. The results reflected moderate level assessment literacy of teacher educators in Pakistan and found them practice traditional assessment practices. Furthermore, majority of teacher educators were found to have less knowledge and skills in designing and selecting appropriate assessment tools and that most of the classroom assessment practices were limited to paper-pencil tests. Teacher training with mutual consultation of Learning and Innovation Division (LID) of Higher Education Commission (HEC), the establishment of National Assessment Wing under the Umbrella of National Curriculum Wing and support from ICT supported devices/software, online resources were recommended.

The augmented usage of digital technology, predominantly mobile ownership, has significantly altered the ways of doing the thing. The digital era with the internet-connected world is creating new venues for social and economic development, with efficiency in digital literacy for participation. The present article explores the digital literacy skills of women that enables them to be active members of the digital world. It also investigates the challenges, self-learning, and financial constraints among other few, which women face while acquiring these skills. The qualitative research is conducted in Islamabad and Rawalpindi using in-depth interviews and focus group discussions. The study indicated that 83% of women have learnt digital skills informally and yet these help them in strengthening their social networks, managing daily affairs regarding their personal life and most significantly being engaged in entrepreneurship from digital forums. This successful use of digital technology has contributed to their social and economic empowerment.

This study measured the environmental literacy (EL) level that the secondary school teachers in Punjab (Pakistan) possessed and found mean scores of various groups of teachers, demographically categorized, significantly different when assessed on scales of environmental literacy. Data collection was done by adapting a valid tool titled as Middle School Environmental Literacy Instrument and administered on 1626 teachers randomly selected from five out of 36 districts of Punjab through stratified random sampling technique. The EL level of teachers was assessed according to environmental knowledge, environmental dispositions, cognitive skills, and environmentally responsible behavior. The application of descriptive and complex inferential statistics showed moderate composite score of EL. Also moderate scores on individual scales were found with the exception of the scale on issue analysis. On this scale, the scores were high. However, scores of women teachers were higher than those of male instructors. The experience variable had not shown significantly different scores on EL.

The focus of the research was to find science teachers' philosophy about the nature of science NOS in philosophical perspectives serving in the public sector universities of Pakistan. The descriptive research method was used to investigate the difference in perceptions of the science teachers about NOS on the basis of gender and subject. An online questionnaire was utilized in order to gather data from respondents. Different constructs of NOS were identified to explore. The female teachers had more understandings about NOS than male teachers. The teachers of mathematics were positivists and decontextualized view of NOS. Male teachers were having an inductivist view of NOS. Physics teachers believed in inductivism. The teachers of chemistry were having process and realism view of NOS. Mathematics teachers were found to have contextualized NOS. It is recommended to provide orientation to science teachers in order to build NOS towards concept clarification during the process of the teaching-learning process.

Pakistan is a multilingual community where individuals communicate in more than one language for everyday communication. Literacy practices of young children in schools reflect the literacy practices of the broader social community. Same is the case with the use of literacy practices at homes. The data is collected by answering questions in questionnaires that are answered by the parents. The collected data is from three different social strata of society. The current study analyzes the literacy practices of young children at homes and the way they are associated with the broader social and cultural context. This includes the linguistic and literacy practices of young children during their playtime, their interaction with the members of the family and their exposure to the media and technology. These multilingual literacy practices that are practised at the homes constitute the social and linguistic identity of the individuals in the long run.

The study assumes that students belonging to diverse educational levels were dissimilar in the level of practicing and competence in online health literacy. The survey method used a questionnaire to measure the responses of students of 16 universities in Lahore, Pakistan. A sample of 1512 students was selected by using a 4-stage stratified cluster sampling strategy. Data were analyzed using the Kruskal-Wallis H test, Dunn test, and Mann-Whitney Utest (non-parametric). The findings show that educational level does have a significant association with practicing level in online health literacy (P.Value.0041). Moreover, education level also has a significant association with competence level in online health literacy (P. Value.045). The study recommends that online health literacy should be encouraged among the students, and the universities should be well-equipped with adequate hardware and human resources to facilitate the students.

Fintech is one of the novelty in the area of finance, it's a collaboration of finance and technology. Now a day's technology has become a significant part of the financial industry. Major products and services of Fintech include ATM, peer to peer lending, crowdfunding, and cryptocurrency. Understanding of financial terminology and acceptance of related risk of Fintech products and services are important. In that concern financial literacy and risk tolerance are significant element. This study has been conducted to evaluate how financial literacy and risk tolerance directly or indirectly can impact an entrepreneur for adoption of Fintech. After applying research method and data analysis from entrepreneur of Lahore, Pakistan, it has been concluded that financial.