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The IUP Journal of International Relations
Focus

The concept of jihad has multiple meanings. It is being interpreted differently by different scholars. Islamic scholars differ with each other on the exact meaning
of the term jihad. According to the Holy Quran, the root meaning of jihad is "striving in the way of Allah", i.e., to strive for betterment of society and to spread goodness. However, there are some who define jihad as a `holy war' to be waged by Muslims against all non-Muslims. For instance, Osama bin Laden, the top leader of Al-Qaeda has declared jihad against the Western culture and Judeo-Christian values. The jihadis are highly indoctrinated individuals who incite religious fanaticism. They are hostile to traditional secular principles. They mobilize their followers to indulge in violent acts in the name of religion and God. Jihadists imagine that together all Muslims constitute a transnational community, the Islamic umma. They perceive all the Muslims who do not adhere to their principles as outsiders or enemies.

Over the past three decades, the jihadi movement has intensified and spread to various parts of the world. The events of 9/11 demonstrated that the organizational structure and operational capabilities of jihadists (for instance Al-Qaeda) transcend national borders. Thus, the rise of transnational radical Islam has emerged as a major challenge to the state-based international system. This issue, to begin with, examines the historical roots of jihad and analyses the indirect role of the West, particularly Germany and Britain, in encouraging it at various periods of time in the past.

Jyotirmoy Banerjee, in the paper, "`Directed' Jihad: Made in the West", investigates the roots of jihad and the relevance of its past to the present scenario. The author examines the historic role of the WestGermany and Britainin encouraging jihad. He argues that both the countries shaped and `directed' jihad in the past. They contributed to jihad in numerous and interesting ways for a variety of reasons. Later, in the 20th century, the US actively promoted jihad. It supported the Al-Qaeda and the Taliban to fight the Soviets in Afghanistan. The author finally concludes by saying that the jihad, which the world is painfully witnessing today, was sharpened and vectored by the West. Later, its own creation turned out to be a Frankenstein. The 9/11 incident was a wakeup call to this bitter reality.

B Ramesh Babu, in the paper, "Legitimate Globalization: Towards Truly Universal Norms and Values", perceives the phenomenon of liberal capitalist globalization underway since the 1990s as the latest mission of `the West' to dominate `the Rest'. The contemporary wave of globalization is essentially hegemonic and exploitative. It is driven by profits and sustained by rampant consumerism and waste at the expense of equity and justice. It is also widening the gap between the rich and the poor in the world. In order to address these challenges, the author emphasizes the need for a just and legitimate globalization in the 21st century. The author also calls for a new `philosophy of globalism' comprising of truly universal norms and values, standards of right and wrong shared across peoples and cultures the world over.

C J Sonowal, in the paper, "Politics of Immigration, Resentment and Threat to National Integrity: A Political Discourse on Assam, India", tries to problematize a number of issues involved in the national building process of India. The author traces the "historical base" for the development of `identity' in Assam and explains the reasons for the prolonged tussles between the people and the state. The issue of illegal migrants from Bangladesh, perceived indifference, and neglect by the central government led to political turmoil and secessionism in Assam. The author opines that prolonged dissatisfaction and restlessness shrouded with state apathy and coercive suppression may lead to the emergence of a separate national entity. In order to tackle these issues, the administrative policies of the state must be reasonably liberal aiming at being attentive to people's interest and desires.

The Malacca Strait is the shortest sea route between the Indian Ocean and the Pacific Ocean. Sumathy Permal, in the paper, "Cooperative Initiatives for Safety and Security in the Straits of Malacca and Singapore", highlights the strategic and economic importance of the Straits to the major powers and littoral states of the region. The volume of international traffic and trade through the Straits is enormous. However, the oil spill incidents, piracy and transnational crime have become rampant. Malaysia, Indonesia and Singapore have taken various safety and security measures to ensure the uninterrupted flow of traffic in the Straits. Finally, the author also suggests a coordinated cooperative security framework between the littoral states, the users of the Straits and international organizations to ensure a safe and secure navigation.

Monika Mamdal, in the paper, "International Refugee Law", gives a brief account on the development of the refugee law prior to World War II. The author then makes an attempt to explain the scope of the 1951 UN Convention refugee definition. The author opines that the 1951 UN Refugee Convention along with its 1967 Protocol assumes preeminence because of its global scope. Moreover, it is the only universal instrument of international refugee law which is ratified (both the Convention and Protocol) by more than 100 nations in the World. Further, the refugees who are unable to avail themselves of the protection of the government of their State of origin, are protected by international law and are entitled to a better and higher standard of treatment.

Apart from the five articles, this issue also includes a review of the book,
Central Eurasia: Geopolitics, Compulsions and Connections Factoring India, by Seema Shekhawat.

- - Kalluri Raj Reddy
Consulting Editor

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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International Relations