Emperor International Journal of Finance and Management Research
Print ISSN: 2395-5929 (P) Electronic ISSN: None DOI: 10.35337 Category: Finance and Management Established Year: 2015 Language: English

Emperor International Journal of Finance and Management Research (EIJFMR) is a monthly Peer-Reviewed, Refereed, Indexed International research journal so there is a wide scope for publication. EIJFMR is a platform for all researchers in varied subjects to publish original authoritative research papers, articles, research projects, reviews, mini-reviews, case studies, synopsis and short research communications. Authors are encouraged to submit complete unpublished and original works, which are not under review in any other journals.

Emperor International Journal of Finance and Management Research (EIJFMR)  is a double-blind peer-reviewed refereed monthly journal that publishes articles in the field of Finance and Management Research.

The goal of the journal is to disseminate knowledge, which ensures good practice of professionals, and its focal point is on research and reflections relevant to academicians and researchers in the field of Finance and Management Research.

The core of the vision of EIJFMR is to disseminate new knowledge for the benefit of all, ranging from academic research and professional communities to industry professionals in a range of topics in English. It also provides a place for high-calibre researchers, practitioners, and PhD students to present ongoing research and development in these areas.



Regular Issues


Political Marketing: Grasping the realms of Contemporary India

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  • Abstract

                Political marketing is a phenomenon that has swept the world of politics in a big way. It is primarily associated with western democracies such as the United Kingdom, the United States, Canada, Germany, and France, as well as countries such as Australia and New Zealand. However, it has gained prominence in countries such as India as a result of increased public awareness and the impact of phenomena such as social networking, which has brought political parties and leaders closer to voters than ever before. This research paper looks at marketing through the lens of politics and elections. It also highlights the distinctions that exist between an election institution and a real market. At the same time, it emphasises the 'industry' aspect of marketing and how it relates to politics. Overall, this research paper will examine how the two distinct identities of politics and marketing are changing in today's political environment.

Marketing Constraints of Organic Products in Tamil Nadu

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  • Abstract

    The present research makes an attempt to investigate the constraints of marketing on organic products in Nagapattinam district of Tamil Nadu. Now-a-days, every agriculturalist who adopts chemical free cultivation is facing huge impediments both at time of cultivation and also to make to the products reach end user in consumer market. Adding to this vendors are hesitating to give shelf space for organic products as they are quoted with high prices. Currently, organic food supply chain market is affected by various factors like lack of infrastructural facilities, high prices, lack of awareness, lack of retailers support, and lack of Government aids, etc.Further, organic products marketing and its allotment is relatively poor in entire market. Meantime, the demand for organic goods is peak level in consumer market. Drawn from the methodology, totally 67 farm respondents are interviewed using simple random sampling method in Nagapatinamdistrict of Tamil Nadu. Infrastructural shortage is the major hurdle faced by the cultivators in transporting their products to various places. As a study concluded that the need for entire development like infrastructural facilities like road facilities, transport facilities, remunerative prices for goods, storage facilities, creating awareness to cultivators on how to enhance marketing of merchandising their goods. By and large, chemical free products should reach and occupy major shelf space among markets on time in order to serve consumers and gain their satisfaction.

Effects of Income Tax Reform on Assessee and Government Revenue in Bangladesh

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  • Abstract

    The research explores the effects of tax reform on the assessee and government revenue and proposes an alternative tax rate using secondary data. Data for the study collected from the journal articles, books, budget speech, and government publications to made a comparative analysis. The findings demonstrate that the low and high-income get more tax advantages than middle-income assessee from the reform which does not comply with the ability-to-pay principle and canon of equity. Similarly, government revenue will decrease from the same income due to the reform leading to the budget deficit, which does not comply with the canon of productivity or adequacy and functional efficiency. The government require to finance the budget deficit by taking loans leads to transferring tax burden from high income to low-income people as a hidden tax in the long-term. The study will add value to public finance literature, especially tax reform and help the taxation policy formulation. The study ignored the perception of the assessee on tax burden and impression of policy planner on government revenue from the reform.

Study on consumer Awareness on Using as a Promotional Device in FMCG Industry

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  • Abstract

    The purpose of this study is to examine consumer awareness on using AR as a promotional tool in FMCG industry. The use of marketing as a tool for the survival of companies has become integral and there is a rising usage of companies using AR to market their products. Therefore the purpose of this study to identify whether the said usage of AR in marketing has been beneficial to the consumers. A questionnaire has been developed and sent to a diverse group. The result revealed that there was an impact on the usage of AR as a promotional tool for consumers.

Occupational Stress of College Teachers with special Reference to Chengalpattu

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  • Abstract

    Education is the most important to the people who growing their knowledge in meaningful way and reached the target with satisfaction. Teacher’s role is important on to the students as well as to the institution. Occupational stress affected more employees in the working environment. The teachers are also affecting from stress in respect of dealing with students discipline, heavy workload and unequal payment of remuneration. These stressors will produce many health issues and lost their happiness. So the students are advised to keep discipline and the management also tries to solve the above issues for making good working environment for the welfare of the society especially for the teaching community

A Study on Performance of IVDP (Krishnagiri District) an NGO and its Contribution During Covid19

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  • Abstract

    This paper is presented on the performances of NGOs during COVID19. The NGO activities are analysed as to especially during the pandemic period. The NGOs are playing a dominant role in presenting their activities for the improvement in the society. The paper concentrate on one of the NGOs working in Krishnagiri District.

Mutual Account Directive Violations in India

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  • Abstract

    Security market regulation violations should be dealt seriously because it involves public money and deviations will lead to large scale economic repercussion. Mutual Fund (MF) stakeholders such as Asset Management Companies (AMC) have the duty and responsibility to adhere and comply with the rules and regulatory stipulated by the regulators, run in accordance to governance standards, maintain transparency and make money and wealth for its investors. However, at times, they are found to be deviating norms and causing loss to investors and putting investor trust and confidence to test. This paper examines and documents some deviations found in the mutual fund industry and now regulators dealt with them. We study several deviations that got unearthed from the famous 2003 US Mutual Fund Scandal and later from the 2010 front-running episodes in India. We also examine several incidents as observed in the Indian mutual fund industry and how SEBI dealt with them. This study is significant in the Indian context because it is witnessing increased inflow of money, mostly from small retail investors. Strong regulations act as essential foundation and the architectural plan of an investment building which investors build by pooling up their hard-earned money as bricks with the help of a mason called the fund manager. This paper gives some suggestions to regulators to make the foundation much stronger and everlasting.

Socio Economic Conditions Women Entrepreneurs in Namakkal District

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  • Abstract

    Women Entrepreneurs has been a recent concern. In this New Economic World, economic growth of a nation completely depends on the involvement of women in the rural development of a nation. Women entrepreneurs accepts tough role to meet her personal nee and become economically independent. In India, there are around eight million women entrepreneurs in which Tamilnadu having the highest percentage. Though the number of women entrepreneurs increasing, still they are facing many problems from various sources. The present paper highlights the Socio Economic Conditions of the women entrepreneurs in ParamathiVelur and Tiruchengode blocks of Namakkal District of Tamil Nadu.

Impact on women Empowerment of Rural growth and Development towards Self Help Groups in Tiruverumbur Taluk of Tiruchirappalli District

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  • Abstract

    To take a gander at the impact of women reinforcing in commonplace turn of events and progression towards personal growth get-togethers in Tiruverumbur Taluk of Tiruchirappalli District in Tamilnadu. This study revolves around women reinforcing of rural turn of events and improvement in Self Help Groups. The various parts of reinforcing like section, financial, socio-social, social and Political viewpoints were used. The women fortifying SWOT examination assembles the levels of sureness and certainty. Regardless, the responsibility in SHGs has drawn in women to have a voice in neighborhood connections and they have had the choice to challenge issues and have created command over decision making in the families

Evaluating the influence of variables on work life balance of women employees in Textile

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  • Abstract

    Work life balance (WLB) is a significant topic in Human Resource Management. Gone are the days when women were deprived of their rights. But now in today's technological world, women are at par with men. WLB is an important theory which tells about how a women balances her job and her family. There are many elements which influence WLB. This study tries to find out how the six independent factors influence WLB of women employees working in textile companies. The independent variables considered for the study are job stress, value of work life, organization support, supervisor support, coworker support and family support. The dependent variable considered for the study is WLB. The area under study is Tirupur district. The result shows that job stress, coworker support and family support are negatively influencing WLB. Value of work life, organisation support and supervisor support are influencing positively on work life balance.

A Study on Tourism Marketing Development with Special Reference to Cuddalore District, Tamil Nadu

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  • Abstract

    The improvement of business is depended upon to be an enormous piece of the progression and associating with monetary improvement of the country. The improvement of business as an industry fundamentally upholds getting gigantic new exchange hold assets and bends for prompt and deceiving business opportunities to people living on all sides of the all around population.Furthermore, by moving made works and expressive specialties of a country, it assists with getting nature's heavenliness, social act of the land, and customs of our soil, and braces the course of public interest in a country and general cooperation., it is unavoidable to make a capacity among different kinds of business. Obviously, the development business is divided into two general groupings; worldwide the improvement business and neighborhood the advancement business, which are portrayedas like the close by farthest extents of the uncommonly tough home of the explorer.

An Approach to the Study of the Effect of Covid – 19 Pandemic on Customers' Online Buying Behavior

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  • Abstract

    Because of Corona Virus Disease 2019 (COVID-19), which has enriched our lives in every field, the year 2000 will be remembered in history. The economy will never be as advanced as COVID - 19. From the 23rd of March, our country was put on lockdown. Almost all services and factories were shut down on March 23, the first day of the lockdown. Offline shopping has grown more difficult and unsafe. It will entice customers to take use of the benefits of internet technology through the usage of online shopping. As a result, it may be necessary to comprehend the impact of the pandemic on online purchase behaviour of clients. The goals of this study are to discover E-buying drivers in the context of the COVID-19 pandemic, as well as to learn about popular products that customers want to buy more online after the COVID 19 pandemic

A Study on Performance of Self Help Group at Valmalpalayam Village in Manachanallur Taluk of Tiruchirappalli District, Tamilnadu, India

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  • Abstract

    A Saturday night get-together for care (SHG) is a homogeneous proclivity messed up with the common target of attracting their money related conditions. Experts view SHG as a homogeneous party of unassuming region, spread out by something like five people. Considering everything, the SHG load concretes 12–20 people with relative financial conditions and needs. This didn't rely upon guaranteed rules, which is reasonable given how rules are spread out for the smooth running of SHG parties and the standard money standard. The credit is all over standard for both use and other clear purposes. People can leave a bound degree of money, including them, and they can oblige it as a guaranteeing of free headway for their family at a reasonable speed of pay. All decisions are taken in a level out manner by the SHG public. The capable individual, Fahreet 1, says that the overall people should be discarded from immaterial get-togethers and be busy with goliath works out. The fundamental rules of the SHGs are pack approach, shared trust, relationship of little and reasonable parties, bunch cohesiveness, soul of control, demand based affecting, without security credit, women's awesome event, peer pack strain in repayment, limit, making outlines for cutoff, making and staying aware of. Standard improvement is, really, the goliath spine of India's new turn of events. Notwithstanding, it has held up well in various pieces of progress, regardless, following sixty years of likelihood. All around standard and metropolitan India address 40 and 23.62 percent of those living under the hosing line, overwhelmingly. The standard masses truly depend upon non-institutional credit relationship for their money related necessities like marriage, tangle, use, buying obliging assets, etc As shown by how much battles, the current procedure is to design the introduction of the model SHGs decided for the gather in Valmalpalayam, Manachanallur Taluk, and Tiruchirappalli space of Tamil Nadu. (b) Review pay and use portrayal of SHG laborers.

An Analysis of Perception of the Borrowers on Issues Related to Repayment of Agricultural Credit in Theni District

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  • Abstract

    Theni District is predominantly an agricultural district and will continue to be so in the foreseeable future. A vast majority of the people about 82 per cent live in villages. Nearly 70 per cent directly or indirectly depend on agriculture for their livelihood and around 50 per cent of the total national income is derived from agriculture. The researcher classifies the agricultural borrowers into crop loan borrowers, allied agricultural loan borrowers and other agricultural loan borrowers. No activity of human being is free from associated problems. However, the dimension of problems may vary from sector to sector. Problems connected with money inherently assumes greater dimension. The problems arise due to different reasons are analyzed in this paper. The problems due to insufficiency of agricultural income, unreasonable installment amount, availing of fresh loan for repayment of old ones and its sources, defaults and reasons for defaults and action taken by bank on defaults are taken into consideration. The expectation of the borrowers on prompter payment and its nature are also evaluated on the basis of responses received from them

Effectiveness of Public Distribution System in the perception of consumers with special reference to Nenmanikkara panchayath, Thrissur district

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  • Abstract

    India has one of the worlds worst rates of malnutrition, with tales of hunger and starving fatalities coming from all throughout the country. In our country, the Public Distribution System plays a significant role and is regarded as the governments primary tool for ensuring the protection of the poor and disadvantaged. But there are many sources of inefficiencies associated with PDS. As a solution to various issues, the government has introduced EPOS (electronic point of sale) system and has invoked both criticism as well as appreciations from different strata of society. So this study attempts to draw light on the impact of EPOS machines from the view point of beneficiaries and to analyze the level of satisfaction of beneficiaries regarding the performance of public distribution system and to highlight the major problems associated with the performance of PDS. Thus, in this study a serious attempt has been made to know the effectiveness of public distribution system in the perception of consumers with special reference to Nenmanikkara panchayath, of Thrissur district. By adopting convenient sampling, feedback obtained from 100 cardholders. The collected data are analyzed using statistical tools and techniques such as percentage, chi-square statistics, t-test and one way ANOVA. Results of the study discloses that customer satisfaction is associated with occupation, family income, accuracy in weight of goods,quality of commodities, customer relation etc. It is necessary to enhance the number of food items distributed through ration shops and to ensure the quality of food grains sent to consumers.

A Study on Self Congruity, Brand Attitude and Loyalty of Consumer on Luxury Brand

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  • Abstract

    This research set out to find how consumer self-esteem moderates the relative importance of actual self-congruity vs. ideal self-congruity on women’s brand loyalty to fitness brands. College-aged women were the primary focus for this research because this demography represents an emerging consumer group and because the literature suggests women score significantly lower than men on self-esteem scales in physical appearance, athletic self, personal self, and self-satisfaction self-esteem. A survey of 151 women of 18 - 24 ages was conducted supporting prior research findings that actual and ideal self-congruity are both positively correlated with brand loyalty.

Strategies to revive MSME post Covid-19: Wrt Jamnagar Brass Parts Industry

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  • Abstract

    The concept of Industrial Cluster Development has been more of a theoretical discussion rather than a business strategy in India. However, this has proved to be a very successful approach in countries like China & Italy where it helped accelerate the manufacturing sector and promoted more MSMEs. The COVID-19 pandemic has provided an opportunity to rejuvenate and restructure the Businesses in the MSME sector which has been affected severely by a series of events. This paper focuses on the Jamnagar Industrial Cluster for Brass Parts and studies how regional economics is driven by collective innovation, agglomeration, and competitive participation which in turn develops the industrial district economy. The study is also on the merits of the SME-CDP scheme and its optimistic implementation on the national level. If adopted, the model has the potential to drive exports of region-specific products and also participate in a broader Supply Chain on a global platform.

Consumer Awareness and Satisfaction of Using the Eco-Friendly Products in Chennai City

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  • Abstract

    The paper concentrates on assessing the awareness level and satisfaction of using ecofriendly products at Chennai city. The study is about environmentally friendly products, specifically on consumer's perception of the products. It has now been a global concern to protect the environment from damages causing factors triggered by humans. Thus the study can see that many industries have started manufacturing environment-friendly products and doing marketing of the same. This study was done on the basis of primary data. The primary data were accumulated from the sample survey that was conducted in Chennai city. The achievement of produce eco-friendly products based on whether consumers will agree to the products or not. Consequently the paper focused on examining the perception of the consumers. Customers discern about the user-friendliness of such items. Though, alertness should make appropriately benefits, accessibility and labels of such things to make bigger its demands. Marketers need to work on strategies promoting eco-friendly products so that more and more people end up buying these eco-friendly products. More and more advertising should be done by the industries as well as the government to change the attitude of consumers toward the eco-friendly product.

Miniature Kerala Model of Development via Urbanisation

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  • Abstract

    The small state of Kerala, which occupies only 1.27 percent of the geographical area of India has been a model state for even advanced countries because of its social development and quality of life. In his magnum opus Book, India: Economic Development and Social opportunity, Sen1 tried to popularize Kerala’s achievements through public action. It is beyond the shadow of doubt that Kerala’s tremendous social development draw the world-wide attention. The strong social development paved the way for the emergence of Kerala model of Development. The social Development indicators often used in the context are Education, health care, high life expectancy, low infant mortality and low birth rate. It may be noted that irrespective of Urban – rural split – up, the thesis of Kerala Model of Development has been discussed in the last three decades. Because, Kerala Economy was Characterised by Neither rural Nor Urban2. But the state witnessed a different picture of the Kerala’s economy, in which there was an unprecedented Urban growth. Accordingly the structure of Kerala economy was undergoing a lot of changes, which was in line with modern and western world.

A Study of the Applicability of Bankruptcy Prediction Models: An Empirical Analysis of Steel Manufacturing Companies of Bangladesh

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  • Abstract

    This paper examines the applicability of the Altman, Shirata, Ohlson, Zmijewski, Springate, CA Score, Fulmer, and McKee Genetic Models in line with the prediction of financial crisis and bankruptcy. The analysis is carried on five steel manufacturing companies of Bangladesh listed in Dhaka Stock exchange for the period between January, 2014 and December, 2018.This study finds that financial soundness of the selected five firms is not sound enough and Altman, Shirata, Ohlson and CA Score models’ scores indicate that if the situation continues, it may get into a state of financial distress. It is also found that Altman, Shirata, Ohlson, Fulmer and CA Score models are able to demonstrate the actual status of solvency of selected companies and Fulmer model for bankruptcy predictability shows the highest degree of accuracy among the five models.

Performance of Rajiv Aarogyasri on Rural Health Care in Telangana – A Study

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Artificial Intelligence Based Authentication for Mobile Device

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Cognizance Level of Retail Investors with reference to Mutual Fund Investment – An Empirical Study

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Level and Pattern of Environmental Disclosure in the Corporate Sector of Bangladesh

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Effectiveness of retail marketing with special reference to Chavakkad Taluk, Thrissur District

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A Study on Customer’s Perception Towards Yono Application of State Bank of India

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A Perspective Study on Melting Down Economic Progress and Development the Pros and Cons

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A Study on Dynamics of India’s Growth Slowdown for Economic Growth and Development

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Public Distribution System: It’s Impact on Economic Growth & Behavioral pattern of the people

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The Recession towards GDP in Current India’s Economic Status

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Impact of Demonetization in Indian Financial System

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Important Role of Small Scale Industries in Indian Economy

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An Analysis of Indian Auto Mobile Industry Economical Slow Down In India

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A Study on Economic Factors Affecting Customer Behaviour in Malls

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A Study on Growth and Challenges of Small Scale Industries in India

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A Study on the Causes and Consequences for the Present Slowdown in the Indian Economy

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Impact of Economic Growth in Green Products and Green Marketing

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A study on Challenges of Micro, Small and Medium Enterprises in Economic Growth

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A Study on Awareness of Digital Currencies on Digital ERA in Reference with Nagercoil Town

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Impact VIA PROS and CONS of Digital Marketing

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A General Study of Digital Entrepreneurs in Kanyakumari District

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An Overview of Green Entrepreneurs in Kanyakumari District

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Education in Digital ERA

  • Abstract
    The Digital Revolution is the shift from mechanical and analogue electronic technology to digital electronics. Digital world means inter connected through digital devices, media that are available to everyone 24/7. It is the world full of ideas, opinions, learning and opportunities. The Internet has made it possible for all of us to connect whenever we consider it necessary.
  • References
    1. Andrea. C and Wojnicki (2006), “Word-of-Mouth and Word-of-Web: Talking About Products, Talking About Me”, Advances in Consumer Research, Vol.33, No.7, pp.9- 14. 2. Bengtsson.M, Boter. H and Vanyushyn. V (2007), “Integrating the Internet and Marketing Operations”, Journal: International Small Business Journal, Vol.25, Issue.1, p.27. 3. Cova. B and Pace.S (2006), “Brand Community of Convenience Products: New forms of customer empowerment – the case my Nutella the Community”, European Journal of Marketing, Vol.40, pp. 1087-1105. 4. Duncan, Tom. R and Everett Stephen. E (1993), “Client Perceptions of Integrated Marketing Communications”, Journal of Advertising Research, Vol.42, No.19, pp.30- 39. 5. Shankar, Venkatesh, Jeffery Inman, Murali Mantrala, Eileen Kelley and Ross Riley, “Innovations in Shopper Marketing: Current Insights and Future Research Issues”, Journal of Retailing Vol.22, No.10, pp.14.21. 6. Schultz. D.E and Schultz. H.F (1996),“Transitioning Marketing Communication into the 21stCentury”, Journal of Marketing Communications, Vol.4, pp. 9-26.

IMPACT OF SERVICE QUALITY PERCEPTION AND AWARENESS OF E-BANKING WITH SPECIAL REFERENCE TO PUBLIC AND PRIVATE SECTOR BANKS IN CHENNAI DISTRICT

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  • Abstract

    The Banking and financial sector is a major sector of the development of the economy and the nation as a whole, which helps to provide required finance for the different sector of the economy. As a service sector the efficiency of employee has got a bearing on the quality of service offered. The aim of this study target on the customer’s awareness in service quality among the public and private sector banks in Chennai district. The prime objectives of this paper find the expectations of customers concerning bank service, to ascertain to perception of banking customers about the service quality of banks and service quality caps in the both sector banks in Chennai district. Observed method adopted with the basic structures of SERVQUAL method to measure the service quality of banks. The sampling methods were used to select respondents from customers of 2 public sectors banks (SBI & Indian Bank) and 2 private sectors (Axis and ICICI banks) in Chennai district. Public sectors banks in particular improve their performance in order to maintain its market share in Chennai city.

Gender Difference in Emotional Intelligence among Software Employees at Bangalore

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  • Abstract

    The study was intended to examine the gender differences in Emotional Intelligence (EI) of employees working in software industry at Bangalore. The inventory is based on the Emotional Intelligence Competencies Framework designed Boyatzis, Goleman and Rhee (2000). The validity and reliability of the instrument was measured by using Cronbach’s Alpha and the instrument was found to be valid and highly internally consistent with Alpha (α) = 0.910. The study assessed an array of Dimensions of Emotional Intelligence among male and female employees by using Factor analysis and measured the gender difference by using ANOVA. The results indicate that there is no statistically significant difference in the Dimensions of Emotional Intelligence among male and female employees.

A Study on Employee Engagement with reference to it Sectors

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  • Abstract

    Employee engagement is the extent to which employees feel passionate about their jobs are committed to the organisation and put discretionary effort into their work. “Employee engagement is the emotional commitment the employee has to the organization and its goals”. In the recent years, there has been a great deal of interest in Employee engagement. Engaged employees are those who are willing to go the extra mile, work with passion and feel a profound connection to their company. These are the people who will drive innovation and move the business forward. Getting people to turn up for work is the easy bit. Getting them to go extra mile requires effort and imagination. The organisation should be looking to generate passion and enthusiasm, and to make work a happier experience for all their employees. This can be achieved by meeting their expectations which results in employee engagement.

A Study on Conflict Management among Employees working in It/Its Sector in Chennai City

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  • Abstract

    According to Jacob Bercovitch the purpose of conflict management, whether undertaken by the parties in conflict or whether involving the intervention of an outside party, is to affect the entire structure of a conflict situation so as to contain the destructive components in the conflict process (e.g. hostility, use of violence) and help the parties possessing incompatible goals to find some solution to their conflict. Effective conflict management succeeds in minimizing disruption stemming from the existence of a conflict and providing a solution that is satisfactory and acceptable.

Factors Affecting Students’ Investment Behaviour In Bangalore – An Empirical Analysis

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  • Abstract

    The term ‘investment’ means different in every function of business. In general sense, the term invest means distribution of your funds in order to generate a return in the future. Investors try to take their investment decision with utmost rationality which is looking for an avenue with less risk and higher returns. There are various avenues for investing in a country like India like the money market, capital market etc. The investors try to gain as much knowledge as possible of these before investing. Investment behaviour is important to an individual’s future and that decision may be dependent on many factors. It has been said that the attitude of people towards investment affects the potential returns from them. There are various personal factors like loss aversion, herd behaviour, overconfidence etc. which affect the investment.

The Moderating Effect of tie Strength on Word of Mouth Effectiveness: A Study of Urban Consumers in Assam

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  • Abstract

    Word of Mouth Communication has been one of the most exciting areas of recent research enquiry in theoretical marketing. While a majority of research on word of mouth focuses on its triggers and consequences, relatively less attention has centred on the moderating factors that surround word of mouth. One such factor is tie strength. WoM communication takes place within a defined social circle and its impact is often defined by the closeness of the relationship established between the information seeker and the information provider. The closeness of this relationship is known as the “tie strength” (Duhan et al, 1997). No comprehensive study has been found that studies the impact of tie strength on WoM Effectiveness as a whole. The main contribution of this study is to fulfil this gap. This study specifically examines how tie strength characteristics influences the effectiveness of WoM conversations. A total of 1535 urban consumers who were party to word of mouth conversations constitute our sample for the study. Data are collected from respondents across five urban centres of Assam (India) using a structured questionnaire that was administered to the respondents. Linear regression method is used to examine the absolute impact that tie strength characteristics have on the effectiveness of word of mouth. The findings reveal that factors like close relationship with the referrer and high mutual confidence influence the effectiveness of word of mouth the most whereas factors like frequency of interaction between the referrer and the referee is not that important.

Call For Innovative Facilitators to Career Satisfaction

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  • Abstract

    Today‟s employees spend an incredible amount of time at the workplace and are expected to deliver workplace and home duties efficiently. Empowered employees seek career satisfaction and women IT professionals are no exception. This paper presents the outcomes of a study on career satisfaction among married women IT employees in Kerala State. The study sought to trace how select individual and inter-personal factors namely self-efficacy and workfamily conflict serve to predict career satisfaction. Data were collected from 150 married women IT employees from three different IT companies in Kerala state using questionnaire method. Multiple Regression Analysis was carried out to identify significant predictors of career satisfaction. The authors call for innovative and transformational human resource strategies to enhance career satisfaction of married women IT professionals.

A Comparative Study on the Investment Habits of Government and Private Employees at Chennai

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  • Abstract

    Individuals have a belief that they do not need any financial planning as their income and expenses are regular, which is very much wrong. The people believe that their savings which they accumulate in their bank do not require any intervention to maximize financial gains. Even after „n‟ number of researches and studies, in the areas of savings and investment pattern of investors and individuals in various financial and physical investment avenues like bank deposits, real estate, and assets like gold and silver, it becomes all the more important to study and analyse by adopting advanced research in the preferences, risk perceptions, perception on return on investment and level of satisfaction towards various investment avenues available to the Government and private sector employees among people residing in Chennai. Taking these various issues into considerations, undertaking of the present study was deemed mandatory. The present study has been carried out to know the investment pattern of Government and Private Employees and to find out the various factors affecting the investment decision of Government and Private employees who are residing in Chennai.

Swot Analysis of Cashless Economy in Current Scenario

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  • Abstract

    In the global world, cashless economy has important role in business transactions. Nowadays middle to upper class people are using the cashless transaction that improves their money transaction by the way of immediate online payment system. It helps to ease the export/import business transactions. The purpose of this study is to expose the strength and weakness of cashless economy, as well the limitations of a cash based economy. The emerging trends of cashless transactions have also been discussed.

Composition of CSR Activities in India

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  • Abstract

    Ever since, The Companies Act, 2013 was passed by the Indian Parliament in August 2013, the legislation regarding Corporate Social Responsibility (CSR) has been capturing the interest and imagination of businessmen across the country. The Act requiring large companies to spend 2% of their profits every year on CSR activities made India the first country to mandate CSR. In any country, MultiNational Corporations (MNCs) and Business entities play a major role in alleviating social problems due to their economic power and ubiquitous presence in day to day activities of people. While the bright side of business has been visibly touching, and transforming lives of millions of people, its dark side is no secret. From time to time, business entities have been troubling government bodies with corruption, bending rules, window dressing of books, exploiting employees, consumers and natural resources, tax evasion and violation of human rights, pushing government to formulate laws regarding business ethics and social responsibility.

A Comparative Study on the Association Between Personality type and Academic Stress of Students from Select Colleges Pursuing Degree, Professional Courses and Both Degree and Professional Courses

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  • Abstract

    Stress represents a normal, necessary and unavoidable phenomenon in one’s life that causes temporary discomfort and at times has long term consequences both physically and emotionally. There are several factors that cause stress experienced by individuals irrespective of age or profession. Among these, the type of person one is that reflects his personality, is a major factor that can impact stress. While some individuals can handle huge amounts of stress and function normally, there are others who collapse when they experience stress for long. Currently, the academic stress experienced by college students is on the rise as they are under pressure to pursue professional courses after or even while pursuing their degree on account of the rising expectations of their kith and kin and to meet the demands of the competitive job market. Also, due to the autonomy system, even students doing their degree experience stress as they are under pressure to satisfy the requirements of autonomy pattern to obtain a degree. As personality has a deep significance on the ability to handle stress, this paper aims at finding the relationship between personality and factors causing academic stress.

Financial Literacy on Women Employees of it Sector A Study with reference to Chennai City

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  • Abstract

    Financial literacy is important for an individual for several reasons, financially literate individuals can make effective use of financial products and services and individuals will not get cheated by people selling financial products not suited for them. Financial literacy helps in improving the quality of financial services and contributes to economic growth and development of a country. The present study attempts to focus on the existing financial literacy level of the Women working in IT sector in the Chennai City. This study is focused to find out the importance of financial literacy for financial planning and to find out the need of financial education and measures to improve financial literacy. It also attempts to know the individuals preference on various short term and long term investment options and the main reason behind investing in various investment options. It also measures the awareness level of individuals on various Financial Inclusion of the Government. Data was collected through by distributing structured questionnaire to 100 women working in IT sector in Chennai district.

A Study on the Impact of Education on Skill Development of Students – with special reference to Selected arts and Science College in Chennai

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  • Abstract

    Education is an integral process of facilitating learning, gaining knowledge, skills, values, beliefs, and habits. Education empowers every individual to change their life. It can also be used as a powerful weapon which can change the world. Education in India has played an important part in shaping the history of the country. The development of education is a continuum, which gathers its history into a living stream, flowing through the present into the future. Even after stressing on education and training needs, there is still a major shortage of skilled manpower to address the growing needs and demands of the economy. The economic growth has increased the want for skilled manpower that also has highlighted its shortage as our country lags far behind in imparting skill training as compared to other countries. From the history of education in India, it has been deciphered that India in its ancient civilization had supremacy in the field of education and was highly skilled that foreign kingdoms sought Indian scholars. Through the introduction of the British Education System, our education was transformed to meet the temporal needs of the time leaving aside the Skill aspects. This study is specially designed to determine the factors affecting skill development at college education level and to identify key issues and challenges faced by students and to come out with solutions to provide better skill-based education to students. The findings have been presented after a systematic collection of data and analysis.

A Study on Employees Perception on E-HRM

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  • Abstract

    The trend of automating the workforce management process began during the year 1970 with limited technology and steadily gained momentum since 1990’s. This Human Resource Management System (HRIS) is a form of HR software which is used to combine a number of necessary HR functions, such as storing employee data, managing payrolls, recruitment process, benefits administrations and keeping a track of attendance record. In the era of digitalization, a wave of technological advancement has impacted every sphere including that of HR. A core definition of e- HRM is the planning, implementation and application of information technology for both networking and supporting atleast two individual or collectively actors in their shared performing HR activities. The goal of e- HRM is to attain cost effectiveness, improve the morale of internal customers and addressing the business tactics. E-HRM is has become an indispensable in this era of globalisation and whereby the employees spread across the globe are well networked and micro monitored. Today, E-HRM in general gauge the various parameters like age parity and computer technological applications also e- HRM engages the output levels of satisfied employees vis-à-vis other less satisfied employees and gauges their performance against a common backdrop. Application of E-HRM attempts to engage the morale of satisfied employees to reach the pinnacle output and improve the efficiency.

Digital Marketing for new Entrepreneurs

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    Marketing is the way of connecting the customers in the right place at the right time. Today marketing means, meeting the customers where they spend more time. Now most of the public spend their time in the internet. The internet access is also rapidly growing day to day from 2G to 5G. Similarly, the internet users are also in an increasing trend. The motive of every concern is to increase their profits by attracting more customers. They have to go with the changing pattern of the customers. So, the businesses have started to turn towards online marketing, to attract the customers through online. Due to this change lakhs and lakhs of products are sold through online. Based on this few questions arises. Can all the entrepreneurs do online marketing? How far it is possible for a new entrepreneur? India being an agricultural country, most of the population is from rural area. How far the new entrepreneurs from Rural area go for digital marketing? This study paves a way for the above questions.

Implementation of Knowledge Management in Infosys

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    This paper gives a brief introduction about Knowledge Management (KM), its need, definition, challenges and also provides information on how the KM initiative has been adopted at Infosys, to support organisational success. Both knowledge sharing as well as reuse needs to be encouraged and recognized at the individual employee level as well as the company level. This is best done by measuring and rewarding knowledge performance. Sustained strategic commitment and a corporate culture that is conducive to knowledge-performance are vital for success in Knowledge Management. The paper deals with the implementation for policy and future practices of KM in Infosys.

Stress and HRM Competencies

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    Job stress is the stress experienced by a particular individual in a particular job. Job stress can be positive or negative. The positive stress is called as “Eustress” and negative stress is called as “Distress”. “Eustress” is one where the situations offer an opportunity to the individual or gain something. “Distress” is associated with heart-disease, alcoholism, drug abuse, marital break down, absenteeism, child abuse and host of other social, physical, organizational and emotional problems. Stress is therefore, not something damaging which should be avoided but it can be beneficial by handling the stress situation in such a way that a person experiences the positive feelings of “Eustress” and reduces the negative effects of “Distress” in the performance of a job. The present study tried to examine the causes of stress among women employees with five HRM competencies, like Management policies, Performance evaluation, Role playing, Goal Achieving and stress Management Techniques. For this purpose, structured questionnaire with Likert‟s five point scale was distributed to 600 women employees working in public, private and MNC. Factor analysis was used to identify the causes of stress among women employees.

Contemporary CSR and Green HRM Practices by the Organizations to attain Sustainability in the Millennial Age

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  • Abstract

    The Millennials is the term given to the people who were born from 1980‘s to the early 2000‘s and are also called the Generation Y. Millennials include, generation Y and generation Z (born in 1991- 2001). They represent $2.45 trillion of the spending power. Over 70% of them spend more on brands supporting causes they care about. Corporate Social Responsibility persists as one of the important factors in building relationships with millennials. It is important for brands to pay attention to social causes and show sincere support rather than using CSR as another tool for profit making. The recent researches warn companies to keep an extra-sensitive eye on their millennial customers as they are considered to have the greatest wealth transfer in history. As the Millennials possess the greater buying power today, it is advised for companies to look into business practices which a millennial customer would relate with such as, ‗Going Green‘. Today, the ‗New Age customer‘ looks into the sustainability practices of the organization and assess the organization‘s value and shift to other organizations which follow low-impact and greener choices. This study elucidates the:  Challenges faced by the Organizations to practice Corporate Social Responsibility in this millennial age.  Significance of Green HRM practices in CSR.

Branding Consumer appreciation towards Refurbished Products

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  • Abstract

    Refurbishment is the distribution of products that have been previously returned to a manufacturer or vendor for various reasons. Refurbished products are normally tested for functionality and defects before they are sold. It is repaired from the manufacturer and resold. Refurbished products may be unused customer returns that are essentially "new" items, or they may be defective products that were returned under warranty, and resold by the manufacturer after repairing the defects and ensuring proper function.

A STUDY ON THE JOB SATISFACTION OF HIGHER SECONDARY SCHOOL TEACHERS IN KERALA

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  • Abstract

    Education is the process, which should develop the required ability, attitude and other forms of behaviour for the full development of personality. Job satisfaction can be defined as extent of positive feelings or attitude that individuals have towards their jobs. Job satisfaction is the level of contentment a person feels regarding his or her job. This feeling is mainly based on an individual’s perception of satisfaction .Job satisfaction can be influenced by a person’s ability to complete required tasks, the level of communication is an organization, and the way management treats employees.

Holistic approach of wellness in higher education in Karnataka

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    Holistic education is an approach that promotes health and wellness through spiritual, mental, emotional and physical techniques. Holistic approach of wellness is a philosophy of education based on the premise that each person finds identity, meaning, and purpose in life through connections to the community, to the natural world, and to humanitarian values such as compassion and peace. Holistic education aims to call forth from people an intrinsic reverence for life and a passionate love of learning, gives attention to experiential learning, and places significance on " relationships and primary human values within the learning environment.& quot; The purpose of holistic education is to prepare students to meet the challenges of living as well as academics. Holistic education believes it is important for young people to learn: About themselves- About healthy relationships and pro-social behaviour - Social development - Emotional development – Resilience- To see beauty, have awe, experience transcendence, and -appreciate some sense of & quot; truths.& quot; The vision of wellness education for students and staff to be educated, informed and contributing members of society and to develop the knowledge, skills and attitudes needed to be well in every sense of the word— emotionally, intellectually, physically, socially and spiritually. This paper focuses on Holistic approach of Wellness in higher education in Karnataka. To know how this study impact on the development of the students and staff carrier .because their future based on environment of educational institutions.

Green Human Resources Management: Corporate Strategy and its Implications

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Impact of GST on Indian Economy

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    GST that is Goods and Services Tax is the latest kind of Indirect Tax which is proposed to be in force from 1st July, 2017 which is already in force on many countries around the world and they all were considering it as their sales Tax system. The GST will be the levied on the manufacture, sale and the consumption of goods and services in India. It is said to be the biggest form of reform in the indirect taxation aspect ever since 1947. The council of the GST will be headed by the Union Finance Minister who is currently Piyush Goyal. The main purpose of GST is to bring about the single tax system for the manufacture and the sale of goods at the both central and the state level in the country. The GST is mainly implemented to remove all other taxes like VAT (Value-Added Tax), Excise duty and Sales Tax. The Tax will be very much useful for the consumers in the aspects of payment of Taxes that is, we all have to pay separate tax at state level and at central level for the goods and services purchased and after the GST there will be only one tax to be paid for the goods and services consumed which is the Goods and Services Tax (GST). This paper brings out about the overview of the concepts of GST and its impact and implications on Indian Economy. Through this paper we can be in a position to understand about the concepts, objectives, impact and the implications and criticisms of the Goods and Service Tax in India.

A Study on Valuation and Impact of Dividend Per Share in Indian Equity Market

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  • Abstract

    Equity markets in India have seen a metamorphic change in the past two decades exposing the markets and its participants to various kinds of risks and valuations. Valuation is the process of assigning a rupee value to a specific share. It states the true or intrinsic value of an asset. An ideal valuation technique would assign an accurate value to all shares. In general valuation is a complex topic, no single valuation model can truly predict the intrinsic value of a share and no valuation model can predict with certainty how the price of a share will vary in future. There are different types of valuation models like balance sheet valuation which is based on accounting information like book value, liquidation value, replacement cost, discounted cash flow techniques like dividend discount model, free cash flow model and relative valuation techniques like price earnings ratio, price to book value ratio, price – sales ratio. However valuation models provide a basis to compare the relative merits of two different shares. Among all these market value is most watched by investment and fund managers.Valuation in this study refers to equity market value. Equity valuation is a central question which the fund managers, investment advisors, and stock brokers in the field of Capital markets are trying to address through different angles with various clues. As most of the fund managers, individual investors and investment advisors in the process of valuation facing challenges in determining the right avenue for investment.

Logistics and supply chain management Inhotel Industry

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    Logistics and supply chain management are usually used at operational, tactical, and Strategic levels in the retail, automotive, health care and manufacturing industries. The hotel Industry can benefit from the comprehensive and integrated practices of logistics and supply chain management, by delivering a consistently reliable and high quality service at the best cost to the customers. This paper will focus on the role of logistics and supply chain management in the hotel industry and the impact of its practices on the performance of hotel companies through costs reduction practices and properly managing its logistics and supply chain. The paper will also focus on various practices that have been used to reduce costs and the competitive advantage of logistics and supply chain in the hotel industry.

Strategies of Online Stores in Comparison with Retail Stores - A Review

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    Indian consumers are particular about buying their products. The choice of consumers differs based on E-commerce and Retail outlets. Since the start of the technological development in recent years, most of the consumers are leaning towards online buying instead of the traditional buying in the retail stores. Technology is making things simpler that everything is available in the tip of their finger. Major purpose of the study is to know the strategies and tactics used by online stores which make people buy more from them when compared to the retail stores. The recent study shows that online buyers are constantly increasing due to variety of discounts and offers given by online stores with much ease when compared to retail stores. The conventional buying from the traditional stores is reducing. The age group also matters when it comes to buying products online. Different age groups show different buying behavior. The primary data has been extracted by preparing questionnaires and observation has been made in accordance by considering different age groups. The problem of this study is due to lack of technological knowledge and lack of availability of the products in semi urban and rural areas, the strategies of online stores will not be effective.

A Study on the Challenges Faced by Traditional Retail Grocery Store as A Consequence of online Grocery Shopping

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  • Abstract

    Indian retail industry is at a budding stage as India is emerging as most attractive market & experiencing drastic changes. Retail industry in India has developed surprisingly in recent years. It has now become one of the leading sector in application of innovations and self-service technologies, though it has its own advantages and disadvantages. In India food & grocery retail sector is the major contributor for GDP and generating employment. It constitutes 66% of the total revenue in the Indian retail sector-organized & unorganized. Technological advancements creates new ways of buying, selling through internet. Indian consumers have transformed today. The shopping pattern has shifted from traditional to online due to technological advancement, higher income, changing lifestyle, exposure to shopping culture etc. Due to entry of internet online grocery stores are replacing the physical grocery store. The purpose of this paper is to identify the barriers faced by retail grocery store as a result of entry of shopping groceries online. This is an empirical study which aims to understand and gain insights into the challenges, problems faced by traditional offline/ physical grocery stores and provide suggestions.

Perception of Pre University Students Towards Commerce and Management Education

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  • Abstract

    Commerce and Management streams offer a multitude of options for student aspirants who desire to achieve their educational goals. Students who enroll into this stream will be exposed to the specialized areas of Economy, Commerce and Statistical learning which would help them in securing Career opportunities in the wide industrial application domain for Finance, Banking, Human Resource, Marketing and Accounting. Research data from leading Educational strategists indicate a downward trend of students seeking to enroll into the traditional undergraduate courses in the fields of Medicine and Engineering which was hitherto the first choice among the Pre university student community. Conversely the demand for courses in Commerce and Management seem to rise above the previous averages. An enhanced awareness and knowledge of Economy and the ways of Money seem to have a definit\e influence on the trend reversal notably through the social media and the Internet. But there still is a perception among the Pre university student community on the Career choices and Educational qualification while pursuing Courses in Commerce and Management. This paper analyzes the factors which influence both favorably and unfavorably the choice of Commerce and Management education. Additionally this paper prescribes methodologies which could be potentially adapted by Commerce and Management colleges to attract more students into the Pre University Commerce and Management streams.

Recent Trends in Micro-Finance, A Karnataka State Government Initiative

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  • Abstract

    A form of financial support given in the form of loans with low rates of interest for the lower income individuals who do not have access to the banking system and regular income, with the motto of providing financial support for establishing their own business and for its daily operations. Micro Financing is divided into two types, namely- Organized and Unorganized Micro Finance. Organized Micro Financing includes Organizations such as MFIs, cooperatives, and sectors of government banks. Unorganized Micro-Financing include money lenders, private financial institutions etc. Recently a lot of drawbacks and failures have been witnessed in the Unorganized Micro-Financing Sector. Few of the reasons being-High Interest rates, unauthorized financiers, harassment of borrowers and scams. Thus the government has introduced schemes such as JanDhan Program, Mudra Scheme, etc to bring the people under organized Financial sector. Recently Karnataka State Government has taken an initiative to provide finance for vegetable vendors from Rs.1000 to Rs.5000 with an interest of 1% with the sole security of their Adhar Card Photo copy. The Pilot project will commence from 13th September 2018 in K.R Market. The objective of the study is to understand the perception of vendors in market towards the Micro-Financing Scheme to be implemented by the State Government.

An Evaluation of Customers Borrowing Behavior towards Gold Loans in Financial Market: A Study of Hyderabad City

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  • Abstract

    In India, Gold Loan market is an organized market and grown enormously over past five years. The gold loan market value in the country increased to Rs. 1,96,000 core with 10.8 per cent growth rate in the financial year 2015-16 (PB Jayakumar 2018). The total value of Indian gold loan will be increasing to Rs. 3,10,100crore by the end of 2020 at the compound annual growth rate 13.7 per cent (KPMG report-2018).The present study is aimed to examine the customers borrowing behavior towards gold loans in the study region i.e Hyderabad City. For this, a sample of 161 respondents was selected using Simple Random sampling techniques. The primary data is collected from the respondents who got the gold loan from the Manapuram Gold Loan Company branchin Hyderabad City using a structured open ended questionnaire and the data is tested using various statistical tools like‟s‟ test, Chi-square, ANOVA, Regression and percentage method. According to the results, Education and Health Expenditure were the key factors which influencing the customers towards gold loan.

Accounting System in Financial Reporting of Selected Gram Panchayat’s in Karnataka

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  • Abstract

    The Initial accounts of Government transactions in India prepared by the authorities through whom transactions occur, such as treasuries, the various departmental offices, pay and accounts organizations, etc. From these initial accounts, The Indian audit and accounts department as well as the central Accounting organizations of the union government compile, under different heads prescribed for government accounts, and bring out , monthly and annually , the combined result of all the transactions which occur during that period . from the accounts so complied by the Indian audit and accounts department and other agencies, the combined finance and revenue accounts of the union and state government are prepared by the comptroller and auditor-General. These accounts incorporate the results of the total government arising both in and outside India Karnataka Panchayat Raj Act, 1993 came into force on 10.05.1993, accordingly there are 3 tier systems in Panchayat Raj Institution, and they are Zilla Panchayat, Taluk Panchayat, and Gram Panchayat. Gram panchayat have been the backbone of the Indian villages since the beginning of recorded history. And is the lowest tier of Government.

A study on impact of E-banking with special reference to Federal bank within Bangalore district

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  • Abstract

    The focus of banking is varied from urban orientation to rural orientation, traditional to innovative practices & class banking to mass banking. Indian banking industry today is in the midst of a customer-centric approach. A combination of regulatory & competitive reasons has led to increasing importance of banking automation in the Indian banking industry. Role of E-banking services towards digital India, government of India encourages people to move towards cashless economy. This can be achieved by use of debit, credit cards, digital cash, electronic payment gateway systems such as national electronic fund transfer (NEFT) & real time gross settlement (RTGS) in India. Federal bank limited is a one off prominent & major Indian commercial bank in the private sector. Federal bank has headquartered at Aluva Kerala having 1252 branches, it offers its customers a variety of services such as internet banking, mobile banking, on-line bill payment etc. This paper aims to study the E-banking habits of respondents with reference to Federal bank within Bangalore district.

Non- payment of life insurance claim: Justifiable or Purposive

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    Insurance is a tool used to indemnify a person of his/her loss. It indirectly acts as a safety net for the people to perform and take risks without much fear which increases their efficiency exponentially. The concept of insurance covers all kinds of losses which can be classified under life insurance and general insurance. The life insurance covers any loss of life cases and general insurance covers all other kinds of losses. To ensure proper functioning of such an important concept in the society, there are principles which govern this field. Principle of utmost good faith, insurable interest, proximate cause, subrogation, contribution, loss minimization and indemnity are the principles of insurance.

A Study on Challenges and opportunities of E-Banking in Bengaluru

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    Banking acts as a life-blood of an economy, as it helps in forecasting the future of a country. The traditional methods of banking acts as a base for the banking sector to grow and due to which there is gradual increase in our GDP. The banks have to update themselves with the changing trends and technology in their operations. By introducing new features over the existing ones they can have smooth functioning of the services they provide and attain better customer satisfaction. The concept of banking services is still not so prevalent in India when compared to our western counterparts. Through this study an attempt has been made to understand the opportunities and challenges faced in e-banking in the Indian context in general and Bengaluru in specific. It emphasises on the customer’s perspective in using E-banking services. The information is collected through a structured questionnaire and other secondary sources. For the primary data questionnaire was circulated. The analysis is drawn using mean, standard deviation and ANOVA through SPSS software.

     

Challenges Pertaining Towards Artificial Intelligence in Insurance Sector

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    Digitalization has tremendous innovation and transformation in insurance sector. The raising trend of process automation and lean compliance in insurance industry has emerged in using Artificial Intelligence. The theory and development of computer system enables to perform tasks with human intelligence is required. In order to function Artificial Intelligence with machine and systems in easy, smart, quick delivery service and necessitate new skills and access. The break through to deal with challenges in distribution network and technology across spheres like customer service, claims and processing data. There is a lot of requirement in digital infrastructure and rise in to reach out to offer solutions and integrate all the data to predict the trends in market is difficult task. Artificial Intelligence provides new ways to measure, control price risk, reduce cost and improve efficiency. This gives competition increasingly well-funded and quick thinking software base components. The task including measuring, managing risks, handling claims, selling policies and recognizing changing consumer demand requires lot of up gradation in technology to sustain in current business environment and developing economy. The objective of this paper is to know about technology which transmutes the insurance sector prospects to potential challenges and blending the technology to increase capacity to collect and analyses data and draw towards valuable arrangement in the process.

Work Life Balance

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  • Abstract

    The term “Work Life Balance ” was framed in the year 1986. Because of the unhealthy choices made by the Americans which were in the favor of work place and chose to neglect their personal life in pursuit of attaining work goals. Work Life Balance is where the employees are satisfied with the family & work roles. Work Life Balance (WLB) describes the equilibrium between the management of work and personal life. Work Life Balance helps in maintaining good mental and physical wellbeing and maintaining good relationships. The main goal of Work Life Balance is to reduce the Gap between professional and personal life . Factors which influence the WLB are flexible time. Compressed work week, flexible place, job sharing, expanded leave, family & work and taking a break from career. We have conducted this study to know if the work force of Versa Byte Data System Pvt Ltd are able to counter balance their personal as well as work life by analyzing the various provisions provided by the employer to the company. Work life balance can be hard to achieve nowadays due to increasing work demand , the need for speed and globalization of business and this study is conducted to know if the employees have been provided with work flexibility and healthy working conditions.

Perception of Youth towards Entrepreneurship with special reference to College Students in Chennai

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  • Abstract

    The intention of contemporary government of India is to bring the societal interest towards entrepreneurship to enhance economic progress. The attempt was put forth by initiating many schemes to flourish entrepreneurial development, especially towards youth as they are the most receptive society group. The RBI has taken steps to help improve the ease of doing business in the country and contribute to an ecosystem that is conducive for the growth of startup businesses. "Industry-Academia Partnership and Incubation", the Union Ministry of Human Resource Development has aimed to provide students with access to funds and mentorship for startups. At this juncture, the research aims to focus on entrepreneurship education training accessible to college students and to bring about the influential level of them. A survey has been conducted among college students and secondary data were also analyzed. The present study focuses on the behaviour pattern of students in grasping entrepreneurship awareness. It is expected that the report would portray some of the student‟s expectations and attritions towards entrepreneurial development.

Marketing strategies used by famous brands and the adverse effects it has on small scale businesses

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    Globalisation is a phenomenon that has brought many international companies and franchises to India. These companies have steadily overthrown a lot of small local businesses and have taken over the Indian market. The study on the above mentioned topic deals with the plight of small businesses due to the aggressive marketing of big brands. It can be said without a doubt that global companies have an upper hand in the market when compared to local businesses due to their brand names and skilful marketing. The research focuses on the diminishing rate of demand for local products and increasing preference of consumers towards high-end brands and compares the marketing tactics used by global franchises to that of the regional businesses. This paper discusses the various issues small firms face while undertaking the process of marketing their products or services and aims to come up with feasible ideas to be on a par with global franchises.

The Impact of Digitial Mrketing on Consumer Purchase

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    Digital marketing is the avenue of electronic communication which is used by the marketers to support the goods and the services towards the marketplace. Digital marketing is the utilization of electronic media by the marketers to promote the products or services into the market. The main objective of digital marketing is attracting customers and allowing them to interact with the brand through digital media. This article focuses on the significance of digital marketing for consumers. Additionally the differences between traditional marketing and digital marketing in this paper are presented. This study has described various forms of digital marketing, effectiveness of it and the impact it on consumer purchase.

Role of Payment Banks in Digital Payments - A Case Study of Paytm

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    Digital economy refers to an economy that is based on digital computing technologies. Received : 10th January 2019 Accepted : 25th January 2019 Published : 28th January 2019 Reviewer : Dr.CenapOzel Dr. DhirajSaha The digital economy is also sometimes called the Internet Economy or Web Economy. Digital Payment is a way of making payment through digital modes like debit card, credit cards, prepaid cards, RuPay Debit Cards, UPI Apps like BHIM, AEPS-Aadhaar enabled digital payment mode with the help of PoS (Point of sale) machines, USSD banking or *99# Banking, e-wallets etc. After demonetization there was huge push for digital payments. On September 18, the world's largest internet company, Google, launched digital payments app Tez in India. Tez is yet another payments platform that joins a long list of cashless payment platforms — from BHIM to Aadhaar Pay — offered since demonetization on 8th September 2016. India's largest wallet player, Paytm, claims around 260 million users and MobiKwik, 60 million. While India's largest bank, State Bank of India has 195 million customers, Paytm claims around 7 million daily transactions and MobiKwik about 3 million. There are enough apps and platforms that help pay digitally — UPI, BHIM, Aadhaar Pay, Paytm, MobiKwik, HDFC Pay Zapp, SBI Buddy, PayU, Tez, besides credit cards and debit cards, but people still seem more comfortable reaching for cash than an app. On October 4, 2017, RBI announced the interoperability of e-wallets of private firms which will be allowed with six months to those compliant with KYC norms. Interoperability helps users of one app to transact with users of a different app. This facility is currently functional under the state-owned Unified Payment Interface (UPI), available only to banks and those ewallets build on the UPI platform. Recently held 23rd GST Council meeting on 10th November 2017 at Guwahati, announced the provision of incentives for payments that are settled electronically. One97 Communications, the holding company has started Paytm on August 2010. In 2016, the business was split into three parts. One97 retained businesses like mobile content, games and insurance. The wallet moved to Paytm Payments Bank, e-commerce and retail to Paytm E-Commerce. Paytm targets to reach 500 million users from the existing 250 million users in the next two year, from 5 million to 10 million merchants by March 2018 covering 600 districts.

Success of Forensic accounting over traditional auditing

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    Forensic accounting is the practice of utilizing accounting, auditing, and investigative skills to assist in legal matters. It encompasses two main areas – litigation support and investigation. It is a new area where various stakeholders, like banks, insurance companies and even public have increased taking the help of forensic accountants. In the emerging economic scenario, forensic accounting is an essential tool for uncovering or inquiry of financial crime and the direction of justice, providing decisive information about the facts found related to financial crime. Since the scope of Forensic Accounting has been growing steadily, it is also important to make sure that a company‘s finances are being kept safe. The increase in white collar crime and the difficulties faced by law enforcement agencies in uncovering fraud have also contributed to the growing need of forensic accounting. While many companies have always had in-house accountants to monitor and minimize any irregularities or complications that arise over the course of regular business, there are still instances of fraudulent activity. While the numbers may be balancing out in the end, businesses are still finding cleverly masked fraudulent activity when they go through the books.The paper focuses on the concept of forensic accounting and its importance and challenges. It also enumerates the differences between traditional auditing and forensic accounting. i.e., how the forensic accounting is proved to be an effective tool in detecting and preventing the white collar crime.

A Study on Contemporary issues in Human Resource

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    Contemporary issues are the problems or significant events being experienced in the context of our present time period. A contemporary issue can be defined as any event, idea, opinion or topic in a given subject that is relevant to the present day. Contemporary issue can be found in almost any matter of interest. The recruitment process is constantly evolving, thanks to improvements in technology and scientific research. This has allowed HR teams to identify top talent in their applicant pools and to make better hiring decisions. But Contemporary context requires striking a balance between HR-related trends and research-related trends. This Paper studies important conversations and the primary tensions between the practical recruiting process and the research behind it and also creates awareness on Contemporary HR Recruitment and Selection Issues and Challenges faced by Professionals and ways to overcome them and also how to improve the Organisation‘s interview process. This paper also throws light on virtual HR premier‘s use of social media to interview job candidates.

A Study on Relation among Managerial Ownership, Leverage and Dividend Policy: Evidence from Select Indian Companies Listed in Bombay Stock Exchange

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    Managerial Ownership, Leverage and Dividend policy plays a pivotal role in increasing the performance of the organization as well as in increasing the wealth of the shareholders. The main purpose of the research is to find out the interrelations among these three variables to devise a controlling mechanism to monitor the organizational performance. The analysis was performed using Three Stage Least Square estimation techniques. The samples are the selected Indian companies Listed in Bombay Stock Exchange during 2013-2018. The results states that there is a negative relationship between managerial ownership and leverage. It also suggest that leverage negatively affect the dividend policy. Moreover, the managerial ownership has a positive impact on dividend.

A Study on Banking Reforms and Effect on Economic Development of India

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    Banking began with the first prototype banks of merchants of the ancient world, which made grain loans to farmers and traders who carried goods between cities and this system is known as a barter system. Gradually the goldsmiths began to lend the money out on behalf of the depositor, which led to the development of modern banking practices; promissory notes (which evolved into banknotes) were issued for money deposited as a loan to the goldsmith A Bank is a financial institution that accepts deposits from the public and creates credit. [1] Lending activities can be performed either directly or indirectly.

Holistic approach of wellness in higher education in Karnataka

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  • Abstract

    Holistic education is an approach that promotes health and wellness through spiritual, mental, emotional and physical techniques. Holistic approach of wellness is a philosophy of education based on the premise that each person finds identity, meaning, and purpose in life through connections to the community, to the natural world, and to humanitarian values such as compassion and peace. Holistic education aims to call forth from people an intrinsic reverence for life and a passionate love of learning, gives attention to experiential learning, and places significance on " relationships and primary human values within the learning environment.& quot; The purpose of holistic education is to prepare students to meet the challenges of living as well as academics. Holistic education believes it is important for young people to learn: About themselves- About healthy relationships and pro-social behaviour - Social development - Emotional development – Resilience- To see beauty, have awe, experience transcendence, and -appreciate some sense of & quot; truths.& quot; The vision of wellness education for students and staff to be educated, informed and contributing members of society and to develop the knowledge, skills and attitudes needed to be well in every sense of the word— emotionally, intellectually, physically, socially and spiritually. This paper focuses on Holistic approach of Wellness in higher education in Karnataka. To know how this study impact on the development of the students and staff carrier .because their future based on environment of educational institutions.

A study on Non- Performing Assets and its impact on Public Sector Bank

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  • Abstract

    Banks plays an important role in the economic development of a country. Banks are growth-driver and the banking business is exposed to various risk, such as credit risk, liquidity risk, interest risk, market risk, operational risk and management risk. Apart From these risks the very important risk is loan recovery. The sound financial position of a bank depends upon the recovery of loans or its level of Non-performing assets (NPAs). Reduced NPAs generally gives the impression that banks have strengthened their credit appraisal processes over the years and growth in NPAs involves the necessity of provisions, which bring down the overall profitability of banks. The Indian banking sector is facing a serious problem of NPA. The magnitude of NPA is comparatively higher in public sectors banks. To improve the efficiency and profitability of banks the NPA need to be reduced and controlled. In this paper an attempt is made to analyze the external factors like ineffective debt recovery tribunal, business failure, economic slowdown, lack of demand, political pressures, government intervention in case of lending loans to priority sector etc. And internal factors like lack of credit appraisal system, managerial deficiency and lack of monitoring and follow up, use of inappropriate technology etc., which results in increase in Non-performing Asset s of public sector banks.

A Study on issues and Challenges in Managing A Diverse Workforce in it Sector with reference to Bengaluru

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  • Abstract

    Human resource is one of the indispensable resources in any business. It has captured extensive significance since 20th century. People from all walks of life come together than ever before in this global economy. Diversity can generally means variety of differences between people in the system. Workforce diversity includes race, ethnicity, gender, age, religion, ability and sexual orientation. Discrimination arises when someone is rejected opportunities on the basis of personal attributes that has nowhere concern with job performance.This paper focuses on how human resource manager can manage and control diverse teams to enhance productivity and profitability of the concern. To run an organization with profitability position in the city like Bengaluru, It is indeed to value each and every employee from different cultural background. The manager has key role in maintaining, co-operating and guiding employees and also accepting their ideas, skill and knowledge towards achieving organizational goal.

A Comparative Analysis of Behavioural Biases of Male & Female Investors in India

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  • Abstract

    Investment decision making process of every individual is affected by many behavioral factors and it has been proven by many researchers by their various studies. Behavioral finance has given a name to these factors as behavioral biases of investors which may be different among the investors on several bases. The present study is an attempt to study mainly four behavioral biases i.e. Confirmation, Representative, Herding and Familiarity bias of male and female individual investors in India. Data has been collected by sending structured questionnaire online and offline from 120 individual investors (60 male and 60 female) who are making investment in Indian stock market. In the questionnaire total forty questions has been put including the questions related to demographic profile and behavioral biases of investment. For the data analysis purpose “ANOVA Two Factor with Replication” has been applied. The results of the study could be useful for both individual as well as the group investors because the study provides an insight of the behavioral biases of investors which become hurdles in their way of making correct investment decisions to increase their investment returns.

Green Human Resources Management: Corporate Strategy and its Implications

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  • Abstract

    Green Human Resources Management (Green HRM) is an embryonic issue in the current scenario. It has become a significant factor in forward-thinking businesses around the world. We have witnessed the voluntary contributions made by successful companies across the globe like Microsoft, BP, Tata, ITC and Wipro towards Corporate Social Responsibility (CSR) even before the time when there were no conventions or decrees connected to CSR. Researchers have contended that workforces must be enthused, empowered and environmentally cognizant of greening in order to bring out green HRM initiatives and hence, it calls for a high level of technical and management skills in employees. Green HRM is a strategy to stimulate the defensible use of resources within the organization and more commonly encourages the causes of environment sustainability. The corporate management has to keenly support to create green workforce that can recognize and appreciate green culture in an organization. They should adopt new strategies in green HRM and implement it in job analysis, recruitment, training etc. The main purpose of this study is to reconnoiter the contemporary strategy and its implications in today‟s business. Further, it is expected that the study would lead to understanding and propagating green HRM in organizations across the globe.

A Study on Banking Reforms and Effect on Economic Development of India

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  • Abstract

    Banking began with the first prototype banks of merchants of the ancient world, which made grain loans to farmers and traders who carried goods between cities and this system is known as a barter system. Gradually the goldsmiths began to lend the money out on behalf of the depositor, which led to the development of modern banking practices; promissory notes (which evolved into banknotes) were issued for money deposited as a loan to the goldsmith A Bank is a financial institution that accepts deposits from the public and creates credit. [1] Lending activities can be performed either directly or indirectly The Indian government, when nationalizing all the larger Indian banks in 1969, argued that banking was “inspired by a larger social purpose” and must “sub serve national priorities and objectives such as rapid growth in agriculture, small industry and exports.1”

MAKE IN INDIA: A PARADIGM ROADMAP FOR GROWTH OF INDIA

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  • Abstract

    The Government of India is focusing on Start up and Make in India programme. Key thrust of the programme would be on cutting down in delays in manufacturing projects clearance, develop adequate infrastructure and make it easier for companies to do business in India. The 25 key sectors identified under the programme include automobiles, auto components, bio-technology, chemicals, defence manufacturing, electronic systems, food processing, leather, mining, oil & gas, ports, railways, ports and textile. But Make in India and Startup India is not possible without contribution from Micro, Small and Medium Enterprises (MSMEs) of India. It is non-debatable question that MSMEs increase the social justice by distribution of wealth among large numbers of people. It also creates more local employment than big entities. The MSMEs, by number, dominate the world business stage.

THE CONCEPT OF FINANCIAL INCLUSION IN DIGITALISED INDIA

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  • Abstract

    Finance plays a vital role in developing the society as well as the country. For an economy to develop whether they are rich or poor in status it needs finance and financial inclusion serves the purpose. In simple terms, financial inclusion can be said as delivery of financial services to the needful people without categorizing them in terms of their financial background or on any other basis. It put forth the solutions for the problems which had made people to step back in participating in the financial sector. This is done so that, the economy has a fair and inclusive growth. In this paper, the changes which had taken place in the nation with the view of the concept of financial inclusion have been discussed and the importance of financial inclusion also been viewed.

A STUDY ON CUSTOMER USAGE TOWARDS ONLINE BANKING SERVICES IN PRIVATE BANKS

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  • Abstract

    The present study is concerned with the usage of online banking in private banking. The research was constructed on customers familiar with online banking and their usage was studied. A sample of 150 customers is personally surveyed using a structural questionnaire. The data is analyzed using frequency distribution and ANOVA with proposed hypothesis are tested. The findings reveal about various factors that effect usage of online baking with the demographic details of the respondents.

A STUDY ON CONSUMERS PERCEPTION TOWARDS LPG BASED AUTOMOBILES IN INDIA

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  • Abstract

    As the petrol prices been deregulated and entirely reliant on the market, it is difficult for a common man especially when it comes to affordability.Western countries are using LPG based automobiles especially in four wheeler segment, there is a usage of autoGas as regular use of gasoline or diesel which is decreasing the cost burden to the economy. Even though there is an option of using LPG as a fuel for automobiles the consumers in India are not purchasing it. Companies like Tata, Hyundai and Maruthi Suzuki are manufacturing LPG based vehicles; the consumers are not buying it. So, there is a need of studying the perception of consumers towards LPG based automobiles.

JOB SATISFACTION AMONG PUNJAB NATIONAL BANK EMPLOYEES – A STUDY

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  • Abstract

    The bank employees play an important an role for th good performance of the bank by delivering good financial services to its constitutions, since it is a private-based business. In such a situation,, Job satisfaction officers form a delicate the management and the clerical staff. the success of the bank depend upon the coordination and cooperation of the bank officers. Hence the job satisfaction of the officers is primary importance because only a satisfied and happy officers will be able to achieve synergy in the bank. At the study is undertaken with the objective to find out the employees satisfaction with special reference to Punjab National Bank employees, reasons for preferring a level of satisfaction of the bank employees, problems faced by the employees and to provide the suggestions for improvement.

JOB SATISFACTION AMONG PUNJAB NATIONAL BANK EMPLOYEES – A STUDY

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  • Abstract

    The study is done with a view to find out the problems of the internet services in Banking. A number of tools are used to analyze the various challenges faced by the customers who are using internet services. Measures should be taken to overcome the problems undertaken by the customers or internet banking and hence suggestions are given to solve the problems.

MIGRANT SENSITIVE HEALTH POLICIES IN THE GCC COUNTRIES: A COMPARATIVE ANALYSIS

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  • Abstract

    Migration movement in the GCC countries increased tremendously after the oil lead development boost. The large number of labourmigrations into the GCC countries demanded effective health policies for the migrants. But academic research has provided a shabby picture of the living conditions of the migrant workers, specifically the ‘blue collar’ and the female workers. They also ignored the need for migrant sensitive health policies and its effectiveness on female migrants. At this context, the present paper aims to provide a comprehensive picture of the migrant sensitive health policies in the GCC Countries with special focus on the pro female migrant health policies. It discusses the need of having effective women sensitive health policies as female migrant workers undergo more health vulnerabilities than other problems related to migration.

AN OVERVIEW OF AN INDIAN FINANCIAL SYSTEM IN INDIA

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  • Abstract

    Financial system aims at establishing and providing a regular, smooth, efficient and cost efficient and cost effective linkage between depositors and investors. A well developed financial system allows for the transfer of resources from surplus spending units and thus plays a crucial role in the functioning of the economy. Therefore, financial system is generally defined as the one engaged in the creation of different types of assets that creditor which to hold, and financial liabilities that debtors are willing to incur. The financial system allocates savings efficiently in an economy to ultimate users; either for investment allocates savings efficiently in an economy to ultimate users, either for investment in real assets or for consumption. Thus, financial system as a sector in the economy utilizes productive resources to facilitate capital formation through the provision of a wide range of financial instruments to meet the different requirements of borrowers and lenders. The financial system mobilises and intermediates savings and ensures that resources are allocated efficiently to productive sectors.

RETAINING ORGANIZATIONAL DEVELOPMENT THROUGH CORPORATE GOVERNANCE

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  • Abstract

    Certain change aspects have deeply affected the business environment and also influences on Corporate Governance and their business ethical standards. In this paper some prominent factors of ethical & unethical standards are highlighted and put forth from a business ethical perspective. In this paper certain timid details from these trends are clarified. The various factors and the unethical activities are discussed with the corporate companies as very much noted examples. The paper critically examines some core proponents of classical standards. This paper discusses corporate governance issues from a compliance viewpoint. It makes a distinction between unethical and ethical compliance and shows that the former has clearly proven to be inadequate as it lacks the moral firepower to restore confidence and the ability to build trust. The concepts of freedom of indifference and freedom for excellence provide a theoretical basis for explaining why legal compliance mechanisms are insufficient in dealing with fraudulent practices and may not be addressing the real and fundamental issues that inspire ethical behavior. Ethical compliance mechanisms are addressed from a virtue ethics perspective, in particular, the role of the cardinal virtues in governance is discussed. The tendency to overemphasize legal compliance mechanisms may result in an attempt to substitute “accountability” for “responsibility” and may also result in an attempt to legislate morality. The focus of the virtues in governance is to establish a series of practical responses which depend on the consistent application of core values and principles as well as commitment to ethical business practice

A STUDY ON ATTITUDE AND WORK COMMITMENT OF TEACHERS AN EMPIRICAL STUDY WITH SPECIAL REFERENCE TO CHENNAI CITY

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  • Abstract

    Teacher attitude and work commitment is carefully related to instructors’ work performance and their ability to innovate and to integrate new thoughts into their practice, absenteeism, group of workers turnover, in addition to having a critical have an impact on students’ fulfillment in, and attitudes toward faculty. The gift looks at exhibits that the majority of instructors had common work commitment levels. The study also exhibits that ladies had higher dedication than adult males. The attitude and commitment of skilled teachers becomes more.

A STUDY ON SERVICE QUALITY PERCEPTION AND SATISFACTION ADOPTED BY TECHNOLOGY BANKING WITH SPECIAL REFERENCE TO PUBLIC AND PRIVATE SECTOR BANKS IN CHENNAI DISTRICT

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  • Abstract

    The last two decades in the banking industry has seen many developments to face the competition among its competitors. Technology is one field that banking industry focuses on for this competition. Nowadays Technology Banking is the popular technology used by banks. Technology Banking is the outcome of technological innovations and competition. The customers’ satisfaction is also very important to face the challenges for the banks to cope up with other banks. Hence this paper focuses on the satisfaction level of customers towards Technology Banking services provided by Public and Private Sector banks in Chennai District . This study is limited to Tirunelveli area only, Tamil Nadu. The objectives of this study are to find out the factors influencing in the adoption of TECHNOLOGY banking provided by public and private sector banks, identify the level of satisfaction of customers of public and private sector banks towards their usage of technology banking. Convenience sampling method have adopted for this study. The primary data were collected from questionnaire method. From the analysis, it is found that with regard to satisfaction in ATM services, the customers of both sectors of banks are equally satisfied.

REMONETIZATION RELATED TO EMPLOYEES JOB SATISFACTION IN MIDDLE LEVEL EMPLOYEES.

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  • Abstract

    Employee satisfaction refers to a collection of positive and/or negative feelings that an individual holds toward his or her job. Job satisfaction is a part of life satisfaction. It is the amount of pleasure or contentment associated with a job. Job Satisfaction is an emotional response to a job. Job satisfaction is one of the most popular and widely researched topic in the field of organizational psychology (Spector, 1997). Lock (1976) defines job satisfaction as a pleasurable or positive emotional state resulting from the appraisal of one`s job or job experiences. Job satisfaction has been studied both as a consequence of many individual and work environment characteristics and as an antecedent to many outcomes.

LABUR- AN ASSETS OR LIABILITIES OF THE ORGANIZATION

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  • Abstract

    Here is a view about how the laborer is an asset or liability of the organization.It is surprised by how different managers view the commodity called ‘labors. In most organization, the perspective is that a labor is an expanses .It is a handled on the financial statement as a expanse. In the most cases labors is the highest monthly expanse for a operation. It is the payment made in order to secure the resources needed to create the product or services sold by the origination. The profitability of the operation is directly impacted that by how many worker there are, so all kinds of techniques are used to keep this variable and a tight control. you want to have exactly the right number of people on the roster, so the perhaps you utilize temporary workers during peak times to mitigate overtime you need to be careful because you still have to train the temporary workers so there are no safety issues or quality lapses. In the significant minority are organizations who view employees not as expense items but as assets. Sure, most companies have a value on the plaque in the lobby that states, people are our most important assets, but the managers daily actions rowel the hypocrisy of that platitude. If people were the most important asset, then during times of low demand the managers would be selling inventory or building and training the labors for future service. Instead, you inevitably see lay off or at least furloughs be control labor expenses in slack time. Key words: labor- assets/liabilities- financial statement- overtime employeesprofitability techniques.

A STUDY ON HR PRACTICES ON OPEATIONS AND PERFORMANCE OF IT SECTOR IN CHENNAI CITY

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  • Abstract

    Many their kinds of research to decide the dating among Human Resource (HR) practices and Employee Performance in advanced national locations but few studies have been accomplished in developing in Chennai. Chennai is considered inside the HR practices (especially focused telecom vicinity, vicinity but IT enterprise of Chennai required an superb interest to decide the connection among HR practices and employee’s average overall performance. This takes abserve is finished to evaluate the connection between HR practices and personnel overall performance within the IT quarter of Pakistan. The most applicable HR practices (education and improvement, ordinary overall performance appraisal, career-planning device, worker participation, and repayment gadget) have been determined on for the especially. Correlation and Regression approach was used to investigate the data.

THE IMPACT OF INCOME INEQUALITY AND POVERTY ON THE ECONOMIC GROWTH IN NIGERIA

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  • Abstract

    This study focused on investigating the comparative analysis of the impact of income inequality and poverty on Nigeria economic growth between 1986 and 2015. The source of data for this study is secondary; the main tool of analysis is the error correction model and the co-integration method for this research study. The result of the study showed clearly that a very high level of unemployment and low level per capital income of the populace significantly impact the economy negatively; these are consistent with the few studies that have investigated on the impact of income inequality and poverty on economic growth. This study thus concludes that since inequality and poverty are two major macroeconomic problems that are eating up the country and are inter woven and the indirect channel of unemployment contributing to the problem, policy measure toward the combat of one should not neglect the other as the efficacy of the policy measures is related to the other problem. Employment has been identified as an important outcome of any welfare intervention. It recommended that employment should be one of the major tools to be considered in the fight against poverty and inequality in Nigeria. This should not be left for the government alone, the private sectors are also encouraged to be actively involved in this as well as individuals through imbibing the spirit of entrepreneurship.

A STUDY ON CONSUMER BUYING BEHAVIOUR TOWARDS COSMETICS WITH SPECIAL REFERENCE TO WOMEN IN VELLORE CITY

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  • Abstract

      The customers are the lifeblood of the business and therefore knowing them and their preferences are crucial to the organization’s success. Corollary to this, knowing a consumer buying pattern and their behavior towards a specific product or product group is one of the most essential needs for any product related business. Personal care products are a part of cosmetic industry which a consumer uses for personal purpose. The personal care products are the backbone of cosmetic industry. The consumers are more conscious about looks, beauty, grooming and aware of western cosmetic products and brands. The main purpose of this article is to investigate the influence of attitude on cosmetics buying behavior. People consider cosmetics as necessary part of routine life which is positive insight for marketers of cosmetic product.                        

SIGNIFICANCE OF ENTREPRENEURSHIP AND TENDENCY TOWARDS YOUTH IN BENGALURU

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  • Abstract

    The rapid increase of startups in Bangalore overtime indicates the inclination of the working class towards innovative and free working environment which is evolved by the emergence of startups. Startup companies are newly born companies that are formed based on evolution of new and brilliant ideas. This study tries to conceptualize the phenomenon about the comparison of startups with corporates and why the former is preferred among the youth. The analysis and interpretation of this exploratory research is done through percentage analysis and the influence that corporates and startups have in the minds of the youth. This study intents to focus on the beneficial aspects in terms of startups or corporates and the various challenges faced by startups. Our inference from the study targets the youth in Bangalore as the base for the preference among corporates or startups. This study uses primary as well as secondary data. Primary data is collected in the form of standard questionnaires and non-directive interviews. This study recommends that startups are better preferred over corporates as it aids the interests, passion, promotes employment opportunities and creates better career growth among the youth along with the appealing nature of startups.

A STUDY ON EMPLOYEE ENGAGEMENT PRACTICE AMONG THE EMPLOYEES OF PUBLIC AND PRIVATE SECTOR LIFE INSURANCE COMPANIES IN CHENNAI CITY

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  • Abstract

    The Indian insurance region is the most dynamic region of the Indian economic system both in terms of employment potential and contribution to countrywide earnings. The gift paper which studies the prevailing human resource improvement practices of lifestyles insurers in Chennai city is dimensional. Firstly, it portrays triumphing human aid development practices of public and private life insurers in Chennai city. Secondly, it examines the activity pleasure degree of advertising functionaries running in both public and private life coverage organizations. The take a look at well-known shows that the private and non-private life coverage organizations have their own HRM departments which are chargeable for getting ready the training and development programmes for his or her sales pressure. Further, the existence insurance agencies teach their sales pressure at normal periods of time. It is recommended that tries ought to be made through lifestyles insurance groups to make harmonious relationships amongst office personnel and advertising functionaries to boost the morale of advertising employees which leads to excessive level of activity satisfaction.

IMPACT OF GOODS AND SERVICE TAX (GST) ON INDIAN ECONOMY

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  • Abstract

    GST also known as the goods and service tax is defined as the giant indirect tax structure designed to support and enhance the economic grown of a country. More than 150 counters have implement GST so far. In order to avoid the payment of multiple taxes such as excise duty and service tax at central level and VAT at the state level, GST would unify these taxes and create a uniform market throughout the country. At the consumer level, GST would reduce the overall tax burden, which is currently estimated at 25-30% The Central government passed four sets of GST Acts in the Budget session this year. These were Central GST Act, 2017; Integrated GST Act, 2017; Union Territory GST Act, 2017 and GST (Compensation to States) Act, 2017. The Acts were approved by the Parliament after they were introduced as part of the Money Bill. Following the passage of the GST Acts, the GST Council decided the rate slabs for the Goods and Services to be taxed under the GST regime. This guide will help you build a basic understanding of GST, its role in your day to day life and its benefits. VAT rates and regulations differ from state to state. On the other hand, GST brings in uniform tax system across all the states. Here, the taxes would be divided between the Central and State government.

A STUDY ON HUMAN RESOURCE PRACTICES IN PUBLIC AND PRIVATE SECTOR BANKS

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  • Abstract

    Human Resource Development [HRD] has been bandied about to mean training or logical extension of it. What has to be clearly understood is the while HRD encompasses the entire process of training; it is a much wider concept. Training mean educating narrowly, mainly by instruction whereas development indicates an unfolding process carries an implication of growth and maturity. Training, therefore, is to bridge a short-term gap between job requirement and the employee’s present knowledge, attitude and skills whereas development is a long-term involvement and commitment. Training is to meet specific need but development is more broad-based and concerned with the total person.

THE RELATIONSHIP BETWEEN ORGANIZATIONAL CULTURE AND EMPLOYEE ENGAGEMENT (WITH REFERENCE TO ORGANIZED RETAIL OUTLETS IN BENGALURU)

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  • Abstract

    Today present era it has become inevitable for the organizations to provide all those facilities which lead to employee engagement. The various researches’ across the world has exhibited that the higher the engaged employees, higher is the financial turnover of the companies. This paper is one of the attempts to if at all there is any relationship between the various dimensions of organizational culture, specifically the OCTAPACE dimensions with employee engagement. The study is conducted at various retail outlets selected by the referrals of the researcher, and the data is collected by a structured questionnaire. It has been found that though the organizations are aware of the OCTAPACE Model, but there is a presence of all the dimensions of OCTAPACE. It is also found that there is a relationship between the various dimensions of OCTAPACE and employee engagement, but not all dimensions.

A STUDY ON BRAND AWARENESS OF PATANJALI PRODUCTS IN VELLORE CITY

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  • Abstract

    Brand awareness is a key indicator of a brand’s competitive market performance. The importance of brand awareness in consumer purchasing decisions, marketers have developed a number of metrics designed to measure brand awareness and other measures of brand health. These metrics are collectively known as awareness, attitudes and usage (AAU) metrics brand awareness is related to the functions of brand identities in consumer’ memory and can be measured by how well the consumer can identify the brand under various conditions. Brand awareness is also central to understanding the consumer purchase decision process. Strong brand awareness can be a predictor of brand success.

EMPIRICAL DETERMINANTS OF EMPLOYMENT STATUS INDICATORS OF WOMEN WORKING IN IT-ITES SECTOR IN CHENNAI

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  • Abstract

    Across time periods, economists and social scientists realized the importance of women empowerment and their participation in the development of a nation as inevitable for economic growth and wellbeing of a nation. In recent decades this notion has trickled down to the third worlds which has experienced a change in mood and gives importance to women empowerment and recognizes it as an important social tool for change. Hence, a developed nation has recognized that women’s participation at all level is a needed factor for inclusive growth. The current study focuses on identifying the determinants of employment status indicators of women working in IT-ITES sector in Chennai. The theoretical model of an alternative employment theory is used as the basis for the study. A sample size of four hundred and ten respondents representing IT-ITES sector was collected using stratified random sampling technique. The study relies upon primary data which is based upon the relevant information gathered from the respondents through mailed questionnaire, questionnaire and personal interview method. Later empirical analysis is conducted by using the primary data collected from the sample respondents in the study area. Tools like OLS, LOGIT and PROBIT, regressions are used for the analysis. The result reveals that the selected variables significantly influence the changes in the employment status of women working in Chennai.

THE ENTRY OF FOREIGN DIRECT INVESTMENT IN INDIA’S RETAIL SECTOR IS INEVITABLE - A STUDY

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  • Abstract

    India is the fifth largest economy in the world and has the third largest GDP in the entire continent of Asia. It is also the second largest among emerging nations. (These indicators are based on purchasing power parity). India is also one of the few markets in the world which offers high prospects for growth and earning potential in practically all areas of business. Lot of countries is looking at India for investments. The reason being the political and economic stability in this country. Retail in India has changed radically to become one of the sunrise sectors in the economy.

A STUDY ON MARINE FISHERIES IN PONDICHERRY – WITH SPECIAL REFERENCE TO MARKETING AND SOCIO-ECONOMIC CONDITIONS OF FISHERMAN

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  • Abstract

    This paper tries at value practices followed via the players of the marine fisheries in Pondicherry and how much price they are adding to the very last fish product. The observe has been based to seize the essence of the approaches and drift of the cost chain in Marine fisheries. The take a look at is designed in any such manner that it addresses various studies questions like the fundamental fee chain shape, fee introduced operations in fisheries price chain, the value of every operation at the side of price growth and sooner or later the final fee of the product. In this paper, in order to suggest an appropriate price, intensive market studies become performed to take a look at the Special reference to marketing and socio economic conditions of Fishermen, Cycle service with respect to fresh fish within the coastal Pondicherry in India.

HUMAN RESOURCE MANAGEMENT – CURRENT ISSUES AND CHALLENGES

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  • Abstract

    Human resource management is the strategic approach to the effective management of organization workers so that they help the business gain a competitive advantage, commonly referred to as the HR Department. It is designed to maximize employee performance in service of an employer's strategic objectives. HR is primarily concerned with the management of people within organizations, focusing on policies and on systems.HR departments are responsible for overseeing employeebenefits design,employee recr uitment, training and development, performance appraisal, and rewarding (e.g., managing pay and benefit systems). HR also concerns itself with organizational change and industrial relations, that is, the balancing of organizational practices with requirements arising from collective bargaining and from governmental laws.

A STUDY ON INFORMATION SOURCES USED BY ADOLESCENTS IN FAMILY PURCHASE DECISION MAKING

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  • Abstract

    The field of consumer behavior is as old as trade and commerce. The ever increasing penetration of internet and social media has brought enormous change in consumer behavior. Through consumer research, it is found out that consumer purchase impulsively influenced by the family. In consumer decision making process family plays a vital role. The changing structure of the family unit also may influence the role of adolescents in decision-making. The role of adolescents should not be underestimated, because adolescents play a crucial role in family purchase decisions. This study mainly focus on the information sources influence adolescents in family purchase decision making.

THE PRESENT SCENARIO OF AGRICULTURAL CREDIT IN INDIA

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  • Abstract

    In modern farming, credit has become one of the crucial inputs. The co-operative credit societies were, in the past and even now, the most important source of credit to the farmers. Since 1969, commercial banks are also financing agriculture because of `social control’. There has been tremendous increase in the bank branches in the rural areas; Govt. has adopted the policy of `multi-agency approach’ in agricultural credit. At present, primary agricultural co-operative societies, land development banks, commercial banks National Bank for Agriculture and Rural Development (NABARD) is providing refinance to the commercial banks. In order to reduce the competition amongst the commercial banks in the rural areas, a policy of "Service Area Approach" has been adopted since 1988. As per this policy, each bank has to adopt few villages and they are required to meet credit. The target for agricultural credit in 2017-18 has been fixed at a record level of Rs.10 lakh crore. Hence this paper focuses on the importance of agricultural credit, and the present scenario in the flow of credit.

DISTANCE EDUCATION IN INDIA - THE ANXIETY ON ITS FUTURE

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  • Abstract

    India has one of the largest higher education systems in the world. The initiatives of the government along with the growth of technology have increased the possibility of imparting knowledge to each and every corner of the country. However, the mass is still unable to attain the benefits of the regular education system. The most urgent reform needed in education is to transform it and relate it to the life, needs and aspirations of the people and thereby make it the powerful instrument of social, economic and cultural transformation necessary for the realization of the country’s goals. This has opened the doors to the alternative system- distance education. This paper attempts to introduce the problems and prospective in Distance Education System in India. It also emphasizes on the instructional design, technology and support which are of paramount importance for the success of any distance education program. The various problems faced by the system are also discussed.

AN EXPERIMENTAL ANALYSIS OF LAYMAN AT THE PERIOD OF DEMONETISATION

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  • Abstract

    act “It is not how much money you make but how much money you keep, how hard it works for you, and how many generations you keep it for” On November 2016, a black day for people who have black money and a golden day for people who pay regular taxes, which show all their earnings into account. Modiji made this announcement with the motto of curtailing black money from the float and to improve the standard of living of medium and low income group. The Government made this announcement with the move of curtails the shadow economy and crack down the illicit and counterfeit cash to fund illegal activity and terrorism. This article concentrates the layman i.e., the illiterate’s problem of converting the cash into valid one. The move was heavily criticized by this group ie., poorly planned and unfair and was met with protests, litigation and strikes. Initially, the move to demonetize and try to hinder black money was appreciated, but the manner in which it was carried out by causing hardships to common people was criticized.

A PERCEPTION MAPPING STUDY ON THE NEEDS AND IMPACT OF GST IN INSURANCE SECTOR

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  • Abstract

    Insurance is the need of the hour for all in all form, viz., life, health, assets and age-old benefits. Providing social security in the form of insurance is the responsibility of both Government and insurance companies. There are two players in the field of insurance, both Government and Private business and insurance focused as a business field. Hence, building business has been seen as primary than to focus on providing security to the needy people. It also dilutes the purpose of providing security from risk and uncertainties towards selling policies alone. The charges of indirect tax ranges from 1.8% to 18% on the different insurance policies, on an average it is 15% and it also proves that the services catered for security is a business rather than as a responsibility of the Government to serve to their public. This research study is focusing on the role of GST in insurance sector, its needs and importance through perception mapping exercise with a convenient sampling method of 60 samples and comes out with a strong recommendations to the Government of India to consider under the reconstruction of GST regime in future. This research also paves ways for policy advocacy in reconstruct the thoughts of insurance programme as a dedicated and needy services for poor community in India and grant subsidies for enrolling the entire population of the nation.

URBAN CO-OPERATIVE BANKS IN INDIA: PROSPECT AND RETROSPECTS

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  • Abstract

    The Indian cooperative movement, which is primarily meant for the welfare of common people, is one of the largest voluntary movements in the world and the urban cooperative bank is one of its important constituents. There are many types of cooperative societies, among them cooperative banking sector forms an important segment of the cooperative movement. Agricultural and nonagricultural credit societies are the roots of cooperative banking sector. Urban Co-operative Banks (UCBs) works on the principles of cooperation, self-help and mutual-help, are playing a very crucial & key role in catering to the credit needs of persons’ of small means. These UCBs are striving relentlessly to address the issues of economic inequality and the concentration of wealth that are causing exploitation of weaker sections by the stronger. As such, Indian UCBs performs a significant developmental role by catering the needs of small depositors and borrowers, mainly in the urban informal sector that are deemed non-credit worthy by the commercial banks. In this paper an attempt has been made to identify the key aspects of Urban Co-operative Banks and also to review the historical development of urban cooperative banks in India. This paper also reveals the present status of Urban Co-operative Banks in modern India. The authors in this paper will also make an attempt to highlight the significance and the challenges of Urban Cooperative Banks. The focal point of this research study is to identify the key linkages between Urban Co-operative Banks and Growth of Co-operative Banking sector.

A STUDY ON HUMAN RESOURCE MANAGEMENT IN TEXTILE SECTOR WITH REFERENCE IN KANCHIPURAM DISTRICT

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  • Abstract

    Human resource is considered as the backbone of any economic enterprise. The HRM is a growing concept. It has tremendous relevance to productivity in the industry. The textile mills are one of the largest industries, employing human resources with entire satisfaction of the employees. The textile industry has been the mother industry of the economy and it has been an engine for the economic growth. The Indian Textile Industry occupies a permanent place in textile employment generation and foreign exchange earnings. After globalization, all industries are realizing the importance of human management practices at their units. The cost of acquiring new employees in work is mounting up more than the cost of retaining existing employees. The employees have a wider knowledge and scope to get employment as well as they are interested. The announcement of freebies by the Government of India and Tamilnadu increases the reluctant to engage in employments among the employees. With these pressures, the textile units are struggling to do service in the globalised market. In order to survive in the market, they have to enrich the labour productivity, adopt cost cutting strategies and quality assurance strategies at their organization. For that implementation, there should be a proper HRM Management in their organization. The Kanchipuram district consists of many textile units of Tamil Nadu and it has pioneered the growth of textile industry in the country.

IMPACT OF AGRICULTURAL CREDIT ON AGRICULTURE PRODUCTION: AN EMPIRICAL ANALYSIS IN INDIA

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  • Abstract

    Available data suggest that agricultural credit has been rising in recent years as a share of both the value of inputs and the value of output. There are wide regional disparities in the disbursement of agricultural credit by scheduled commercial banks. At the same time the share of agricultural GDP in total GDP is falling. In this context, this paper examines the role of direct and indirect agriculture credit in the agriculture production taking care of the regional disparities in agriculture, credit disbursement and agriculture production in an econometric framework using Dynamic Panel Data Analysis with Instrumental Variables using Arellano-Bond Regression. The analysis suggests that the direct agriculture credit amount has a positive and statistically significant impact on agriculture output and its effect is immediate. The number of accounts of the indirect agriculture credit also has a positive significant impact on agriculture output, but with a year lag. These results reveal that even though there are several gaps in the present institutional credit delivery system like inadequate provision of credit to small and marginal farmers, paucity of medium and long-term lending and limited deposit mobilisation and heavy dependence on borrowed funds by major agricultural credit purveyors, agriculture credit is still playing a critical role in supporting agriculture production in India.

A STUDY ON STRESS MANAGEMENT AMONG SCHOOL TEACHERS IN CHENNAI

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  • Abstract

    Teaching is a highly noble profession and teachers are always a boon to the society. The ultimate process of education could be simplified as a meaningful interaction between the teacher and the taught. The teacher thus plays a direct and crucial role in moulding a pupil towards education. The teachers’ performance is negatively influenced by different stress contributing factors which either exists within or outside the educational institution, that impede the performance of teachers resulting in lower individual as well as institutional productivity. The present study has carried out to identify stress situations and also to assess the outcomes of stress in the school teachers. The study is confirmed to study the stress level and causes of stress among school teachers. The educational institutions should focus on teachers’ problems through understanding teachers’ problems and also providing proper support to the teachers for dealing problems. On other side the teachers by themselves should learn to adjust to the demands of teaching profession.

A STUDY ON USER BEHAVIOUR TOWARDS REFRIGERATOR IN K.K.NAGAR, TRICHY DISTRICT

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  • Abstract

    Refrigerator is a high value item with high technical content. Usually the quality of refrigerator is associated with the image of manufacturer, their brand image and the distribution channel. All the refrigerators available in the market are branded. The promotional activities of all the manufacturers are embarked in order to educate the consumers about the availability, quality of their refrigerators and the utility it offers. In turn the consumer comes to the decision purchase of a specific brand after long deliberation by evaluating the available brands, quality of each brand of refrigerator, the price of each brand of refrigerator, models and Designs of each brand available. So the manufacturer’s of refrigerators resort to massive promotion to establish their brand image and good will. Due to technology improving day by day, there has been an increased expectation in the customers mind for newer products and improved alternatives for the existing ones. Before the invention of refrigerators, people found it difficult to preserve their food items, but it is not the case now, there are different types of refrigerators are available in the market for different purposes and preserve different things. Producers of most popular brand concede that a respectable warranty should cover a reasonable period. However, buyers‟ are not unduly influenced by lengthy warranty periods. Both dealers and consumers agree that most warranty terms issued by producers are now favourable to buyers.

A STUDY ON THE FUTURE OF IOT AT HOME AND FOR E-COMMERCE IN OUR DAILY LIFE

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  • Abstract

    The Internet of Things (IoT) is the network of physical devices, vehicles, home appliances, and other items embedded with electronics, software, sensors, actuators, and connectivity which enable these things to connect and exchange data, creating opportunities for more direct integration of the physical world into computer-based systems, resulting in efficiency improvements, economic benefits, and reduced human exertions. An IoT device for e-commerce is certainly the most thrilling invention since the creation of the Internet itself, and certainly the biggest thing to hit e-commerce. Objects will be “intelligent” and capable of communicating with other objects; this is what Internet of Things (IOT) is all about. Even though it is kind of hard to describe precisely the concept, items interact with each other to simplify your everyday life. The principal communication method in use today is RFID (Radio-frequency identification) technology. It also includes wireless and QR codes technologies. The main purpose of this paper is to study the future of IoT at home and for E-Commerce in our daily life and its benefits. This study was done based on secondary data collected from multiple sources of evidence, in addition to books, journals, websites, and newspapers.

A STUDY ON REGISTRATION OF GST AND ITS IMPACT ON BUSINESS

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  • Abstract

    GST in India is a comprehensive, multistage, destination based tax that will be levied on every value addition. GST will bring uniform taxation across the county and allow full tax credit from the procurement of inputs and capital goods which can be set off against GST output liability. GST will mitigate cascading and double taxation and enable better compliance through the lowering of the overall tax burden on Goods and Services.

CORPORATE SOCIAL RESPONSIBILITY – THE INDIAN TREND

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  • Abstract

    The Corporate Social Responsibility (CSR) concept is a significant improvement upon the traditional view of corporation. Traditionally, the corporation’s primary responsibility is towards its owners or shareholders. CSR concept gives an additional responsibility to corporates. It requires organizations to adopt a broader view of its responsibilities that includes not only stockholders but many other constituencies including employees, suppliers, customers, the local community, local state and federal governments, environmental groups and other special interest groups. Collectively, the various groups affected by the actions of an organization are called “Stakeholders”.

MARKET SHARE ANALYSIS OF LIFE INSURANCE CORPORATION OF INDIA AND BAJAJ ALLIANZ LIFE INSURANCE COMPANY LIMITED

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  • Abstract

    Market share is one of the basic indicator companies utilize to measure how well they are performing in comparison to the competitors. It basically is a percentage of business or sales a company wields out of total business or sales by all competitors combined in any given market. There are two basic ways of stating market share figures, though actual calculations may be difficult to derive. There always remain pros and cons of having a large market share relative to competitors. It is a notion of determining ones competitive strength in an individual sector of same standards. For self-assessment of the performance market share analysis is an ideal process.

CUSTOMER OPINION TOWARDS CRM PRACTICES OF PRIVATE SECTOR BANKS IN BODINAYAKANUR

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  • Abstract

    Customer Relationship Management (CRM) is an intelligent blend of marketing and information technology for serving the customers with greater care and value. CRM is a process of identifying, attracting, differentiating and retaining customers. CRM in banking is a key element that allows a bank to develop its customer base and sales capacity. The goal of CRM is to manage all aspects of customer interactions in a manner that enables banks to maximize profitability from every customer. Retaining customers is a major concern for banking institution this shows the importance of CRM. Banks have to come out with innovative measures to satisfy the needs of both the present and potential customers and at the same time they must adopt procedures to bring back the lost customers through establishing an excellence in customer relationship. So, in this paper, i have tried to point out private Sector banks. The aim of this paper is to analyze the customer opinion towards CRM practices of selected private sector banks and to know the CRM practices adopted by the private banks in Bodinayakanur.

GROWTH OF MUTUAL FUND INDUSTRY IN INDIA: A STUDY ON DEMONETISATION PERIOD

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  • Abstract

    Mutual fund is a company that pools money from many people and makes investment in shares, bonds and other assets. Mutual fund is a financial intermediary which makes investment growth in the economy. Demonetization move by the government has made a lot of change in the mutual fund industry. More investors are interested to invest in mutual funds due to the lower income gained from alternative sources. The present study is an attempt to analyze the growth of mutual funds during post demonetization period.

A CRITICAL STUDY ON RECENT TRENDSON THE IMPACT OF SOCIAL ENTREPRENEURSHIP

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  • Abstract

    Social entrepreneurship is normally seen as a hybrid that combines elements of commercial entrepreneurship and social sector organizations.It affords anexclusive opportunity to encounter, question and rethink concepts and assumptions from different fields of management and business research in the field for scholarly investigations.While the term social entrepreneur may be relatively new, the phenomenon is not. The phenomenon of social entrepreneurship challenges our assumptions about human behavior and economic action. It also challenges our beliefs about the role of entrepreneurship in society. This paper aims at contributing to the field of entrepreneurship by the exploring the phenomenon of social entrepreneurship.

ANALYSE TRADE POTENTIAL OF ETHIOPIA

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  • Abstract

    This article attempts to assess Ethiopia’s trade potential, explore over and under trade countries by using the gravity model. The coefficients thus obtained are then used to predict trade potential of Ethiopia that shows that this nations has significant trade potential with 118 countries. Ordinary Least Squares with CrossSection data for the year 2016 have been used for the estimation. The results shows that both basic gravity equations are subliminally reasonable, with statistically significant t-statistic value. The results also reveals that Ethiopia has noteworthy trade potential with African countries, but in the current scenario Ethiopia’s actual trade is less then potential trade with neighbouring countries. The model also shows that Ethiopia’s has tremendous trade potential with COMESA members and trade can more than doubles if barriers and constraints are removed.

VIRTUAL TEAM WORK – A ANALYSIS

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  • Abstract

    In today’s global and distributed business economy, virtual teams are becoming the norm, rather than the exception. Whether managing a geographically dispersed workforce or just getting started with part-time virtual assistants scattered across the globe, learning to manage and communicate with virtual teams is essential to business growth and success in today’s work culture. A TOWS Matrix is used to structure the results of the analysis and to identify future virtual team strategies for the organization. The study demonstrates that a structured approach is essential to ensure that the benefits resulting from virtual teamwork are maximized. Some fundamentals those are important to understand for all teamwork -- virtual or in person are the analysis of this article.

A STUDY ON ATTRITION LEVEL INPHARMACEUTICAL COMPANIES INCHENNAI CITY

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  • Abstract

    Attrition in human resource management means gradual wearing down of the employees from the organization by the owner will consist of the employees in an organization is known as attrition. Attrition denotes that employees into the present organization are not satisfied (may be due to less pay, ineffective career planning of employees in the organization, current employees) Employee turnover and employee attrition both occur when an employee leaves from the organization. Turnover, however, may result from some employment actions, such as removal, termination, resignation or work abandonment. The Attrition occurs when an employee retires or when the company eliminates his job. The significant difference between the two is that when turnover occurs, the company seeks someone to replace the employee. The organizations also face difficulties in maintaining the remaining employees as well as attracting inherent employees. The high attrition rates also lead to a chronic or systemic cycle. All this has a significant impact on the strength of a company in managing their business in a competitive environment. The study is conducted to find out the leading causes which increase the employee turnover in pharmaceuticals companies and to find out the way to control attrition. This study was conducted in Pharmaceutical companies in Chennai city. The study found that the attrition rate is high level in pharmaceutical companies because of dissatisfaction with the organization policy.

ROLE OF UJJIVAN SMALL FINANCINGIN INCLUSIVE FINANCING: A STUDYWITH SPECIAL REFERENCE TOUJJIVAN BENEFICIARIES IN ALAPPUZHA

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  • Abstract

    Financial inclusion means universal access to a wide range of financial services at reasonable cost. Microfinance means the provision of microloans to poor entrepreneurs and small businesses lacking access to banking and related services. Microfinance is a way to promote economic development, employment and growth through the support of micro-entrepreneurs and small businesses; for others it is a way for poor to manage their finances more effectively and take advantage of economic opportunities while managing the risks. The terms have evolved - from micro-credit to micro-finance, and now 'financial inclusion'. Ujjivan Small Finance Bank Limited is a wholly owned subsidiary of Ujjivan Financial Services Ltd. Ujjivan commenced its banking operations in February 2017 when it transitioned from a NBFC-MFI to a Small Finance Bank. It attained a Scheduled Bank status in August 2017. With State-of-the-art technology, Ujjivan Small Finance Bank (SFB) is pioneering better banking for its consumers by offering a whole host of benefits. UJJIVAN provided lot of small Financial Services in rural sector in India. The researcher attempted to study the role of UJJIVAN Financing among rural people with special reference to Alappuzha. The main objectives of the study included to identify the level of finance availability and the financial problems to the rural people in Alappuzha, to study the role of UJJIVAN finance in inclusive financing among the rural people in Alappuzha, to suggest measures to achieve the overall inclusive financing among rural people in Alappuzha. For the research purpose, both primary data and secondary data are used. Primary data are collected by using questionnaire, schedules, interview etc…

A STUDY ON CUSTOMER BEHAVIOR OFDURABLE GOODS WITH SPECIAL REFERENCE TO COIMBATORE

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  • Abstract

    Customer orientated at the individual level. A salesperson ethical behavior plays a critical role in forming, maintaining and sustaining long-term customer relationship. They play a critical role in forming, maintaining and sub staining. Long term customer relationship. They sales behavior and the financial performance the organization. They provide a two-dimensional conceptualization of customer oriented that distinguished between attitude and behaviors second, it explores direct and indirect effects of customer stratification. Customers centric were started in companies from around 2004. These around describes customer circles. The customers circles are create add value to the firm includes their employees and mostly focus, customer circles are compared to traditional training program structure organization.

ENVIRONMENTAL PROBLEMS ANDECOPRENEURSHIP- ROLE OF COLLEGE LEVEL ENTREPRENEURSHIPEDUCATION IN KERALA

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  • Abstract

    The Kerala Model of Economic development is well celebrated for the tremendous progress made by the state in terms of literacy and other human development indices and to certain extends ecological sustainability. The present scenario of the world economy is increasing wants, limited resources and the growing ecological problems associated therewith. Kerala economy too faces the same situation. It is high time to pay attention to the role that can be played by green entrepreneurs simply called the ecopreneurs in tackling ecological problems. Several studies have proved that ecopreneurs can surely help solve ecological problems and reduce environmental degradation. This paper focuses on the major ecological challenges faced by Kerala economy at present and highlights the need for nurturing environmental friendly ecopreneurs for addressing these problems. It also discusses the role of entrepreneurship education at college level for fostering an ecopreneurship culture among the upcoming Kerala youth. Some of the ecofriendly entrepreneurship ideas suited to our economy is also mentioned in this paper. Attempts made by the University of Kerala in nurturing entrepreneurship oriented education and the recent problems encountered in this area are also highlighted in the study.

IMPACT OF AIR POLLUTION

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  • Abstract

    Air pollution is made up of many kinds of gases, droplets and particles that reduce the quality of the air. Air can be polluted in both the city and the country. In the city, cars, buses and airplanes, as well as industry and construction may cause air pollution. In the country, dust from tractors ploughing fields, trucks and cars driving on dirt or gravel roads, rock quarries and smoke from wood and crop fires may cause air pollution.

ONE PERSON COMPANYIN INDIA – ANINSIGHT INTO THE CONCEPTUALFRAMEWORK IN THE LIGHT OFCOMPANIES ACT, 2013

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  • Abstract

    The major purpose of this paper is tomake an attempt to understand the concept of One Person Company (OPC)in India as per The Companies Act, 2013 and understand its opportunities and challenges in India.The research paper is an attempt of exploratory research, based on the secondary data sourced from journals, articles of various books, websites and media reports. Further, looking into the requirements of the objectives of the study the research design employed for the study is descriptive in nature.The major findings of the paper are that, while the concept is already prevailing in some of the countries of the world for a long time, it took more than half a century for India to incorporate it in legal form. As it is in its infancy stage in India, there are somelimitations which should be made good to give it a more complete structure. Some of the suggestions in this regardhave been made is given in detail in the paper. The scope of the research is limited in the sense that the idea of OPC is very new and hence not many companiesare incorporated under this act in India and hence primary data could not be collected. Moreover, paucity of time and lack of legal expertise were two other major constraints in the path of this research.This paper is valuable to any academician in the field of commerce who wants to understand the concept of OPC and its challenges in India.

EFFECTS OF YOGIC PRACTICES ONSITTING TOLERANCE AMONGAUTISTIC CHILDREN

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  • Abstract

    The study investigated the effects yogic practices on Sitting tolerance among autistic children, For the purpose of study 20 children with autism selected from National Institute for Empowerment of Persons with Multiple Disability, Muttukadu, Chennai, Their age ranged between 8 and 12, The subjects were divided in to two equal groups of 10 subjects each, namely experimental group-1, and control group. Experimental group-1 underwent Yogic practices, for five days a week for six weeks and control group kept as active rest. The selected criterion variable sitting tolerance of body parts was assessed before during and after the training period, the collected data were statistically analysed by Analysis of co-variance (ANCOVA), the result of the study reveals that the Sitting tolerance of body parts significantly improved in experimental group when compared with the control group.

STUDY THE RELATIONSHIP BETWEENPRODUCT DIVERSIFICATION STRATEGY WITH FINANCIAL PERFORMANCE

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  • Abstract

    In recent years, the relationship between performance and variety of company was an important experimental issue in financial management. Diversification strategies can affect the competitive balance in the industry. This study aims to measure the relationship between the two variables of diversification and financial ratios as criteria of accounting-based performance using required statistical tests. This research follows Ex- Post Facto Method with practical purpose. Statistical sample of this research are 99 companies listed in Tehran Stock Exchange Market. The results of this research have shown that applying relevant diversification strategy has no impact on financial performance of producing companies and irrelevant strategies has diverse tie with performance indicator and growth of company. Moreover, the impact of control variables of company’s size, financial leverage, growth opportunities and ratio of market value of equity to book value of equity on the relationships between research variables and assumptions have been measured in this study.

A STUDY ON TRAINING NEEDS ANALYSIS OF HYUNDAI MOTOR INDIA LIMITED, CHENNAI

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  • Abstract

    Training can be described as “the acquisition of skills, concepts or attitudes that result in improved performance within the job environment”. Training analysis looks at each aspect of an operational domain so that the initial skills, concepts and attitudes of the human elements of a system can be effectively identified and appropriate training can be specified. Training analysis as a process often covers: Review of current training task analysis (of new or modified system) identification of training gap statement of training requirement assessment of training options cost benefit analysis of training options Training analysis is most often used as part of the system development process. Due to the close tie between the design of the system and the training required, in most cases it runs alongside the development to capture the training requirements. Training makes a very important contribution to the development of the organizations Human resources and hence to the achievement of its aims and objectives.

A STUDY ON EMPLOYEE’SPERCEPTIONTOWARDS ORGANISATIONAL COMITTMENT AND JOB SATISFACTIONIN TAMILNADU NEWSPRINT ANDPAPERS LIMITED KAGITHAPURAM– KARUR- TAMILNADU

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  • Abstract

    Organization depends on 4 M (men, material, money and machine) for their survival, without this organization cannot move ahead for the growth and development. In any organization man power plays pivotal role without their involvement organization cannot attain their objectives. In this respect researcher has taken TNPL Company to analyze the impact of employees on the job perception is based on their organizational climate and commitment which gives ultimate outcome of employee’s satisfaction. Researcher has taken 120 samples to analyze the factors influencing the organizational commitment and its impact on job satisfaction using structured questionnaire and statistical tools of factor analysis, chi-square test and correlation. findings states that Perception of employees on the job based on motivation , monetary benefits, advancements and working environment as an Attributes influences lot rather than peer groups. And other factors such as administrative practices, Welfare facilities and Social security benefits communication and superior subordinate relationship. Factors in organizational commitment or climate depends on size of the efficient business with a co-operative environment to gain individual and organizational growth and development.

EVALUATION OF UNIT LINKEDSCHEMES OF LIFE INSURANCECORPORATION OF INDIA AND BAJAJALLIANZ LIFE INSURANCE COMPANYLIMITED

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  • Abstract

    The title of this study defies three distinctive elements viz., Financial Appraisal, Life Insurance Corporation of India and Bajaj Allianz Life Insurance Company Private Limited, so obviously the study is going to revolve between these three elements taken into consideration. A brief description of each shall be done in order to make the need of the study accessible. Though the term, ‘Financial Appraisal’, ‘LIC’ and ‘Bajaj Allianz Life Insurance Company Private Limited’ are individually apt for a concerned detail study but here a combined study of these three distinctive elements is done defining relation with each other.

“CONSUMER PREFERENCES TOWARDSMILK AND MILK PRODUCTS” (A STUDY WITH SPECIAL REFERENCETO CONSUMERS IN CHEYYAR TOWN)

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  • Abstract

    A study was conducted to assess the Consumer Preference towards Milk and Milk Products with Special reference to Cheyyar Town. The prime reason for consumer preference of Milk and Milk Products is “Good quality” followed by “Correct quantity and Maintenance of quality”. “Dependable Advertisement” fetches the least rank. The relationship between the consumer preference and monthly expenses on milk indicated a significant response on the variables viz., Reasonable price, Correct weight, Convenient sales point , Good quality, Convenient packing, Adequate quality, Maintenance of quality, Purchase policy, Dependable advertisement and Product information did not influence and showed non- significant. It can be concluded from the study, that the consumers change their attitude frequently on the basis of new trend and fashion and availability of Good quality product. Milk producers must meet consumers' demand for milk on the basis of Maintenance of good quality, purchase return policy, and creation of awareness of Milk and Milk Products should be concentrated more in order to meet out the global competitive market.

A STUDY OF INVESTORS PERCEPTIONTOWARDS MUTUAL FUNDS IN THECITY OF TIRUCHIRAPPALLI

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  • Abstract

    A Mutual fund is the ideal investment vehicle for today’s complex and modern financial scenario, there has been growing importance of mutual fund investment in India, when compared with other financial instruments. Investments in mutual funds are safer and also yields more returns on the portfolio investment. Mutual fund are said to be the best channels for mobilizing the funds of the small investors and contribute significantly to the capital markets. The present study explains briefly about the mutual fund industry, the study also helps to understand the role of investment pattern and preferences of investors behind investing in mutual fund.

THE CONFIDENCE VOTE ANDTECHINCIAL AGE OF MASS COMMUNICATION IN DIRECT DEMOCRACY

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  • Abstract

    Strictly speaking, this direct democratic model is composed of two related aspects the conferring of formal responsibility for public judgments on the public the various decision- making instances present in the running of" any state. Political communication with the public that will allow appropriate and reasonable judgments, or decisions; to be made. The first aspect is the actual transfer of responsibility from the elected representatives to the public. This is the empowerment principle. The idea being that, when responsibility is conferred it is for the most part, accepted and in will he embraced by the electorate.

GOODS AND SERVICE TAX – ANOVERVIEW

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  • Abstract

    Most of the commodities and services that are subject to GST have been categorized under various tax slabs. However, GST Rates is not applicable to some goods and services, such as jute, fish, eggs, fresh meat, milk, chicken, curd, fresh fruits, butter milk, vegetables, natural honey, bread, salt, bean, Prasad, sin door, printed books, bind, judicial papers, newspapers, handloom, bangles, horn cores, bone meal, bone grist, horn meal, hoof meal, Palmyra jiggery, cereal grains hulled, coloring and drawing books. Further there are approx. 140 countries where GST has already been implemented. Some of the popular countries being Australia, Canada, Germany, Japan, and Pakistan, to name a few. Implementation of GST impacts a nation both ways, positively and negatively. Ignoring negative aspects, positive aspects can be taken into consideration, in order to improve the economy of the country.

FDI IN INDIAN RETAIL SECTOR-SOMEISSUES

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  • Abstract

    This paper attempted to make an analysis of FDI in India. It also focuses on the major findings, FDI in India and an impact of FDI in Indian Retail Sector. One of the economic aspects of globalization is the fact that increasing investments in the form of foreign direct investments. In now a days due to the global recession most of the countries have not been able to pull investments. India has been able to attract better FDI’s than the developed countries even during the crisis period also. Especially in the recent years the FDI in India has been following a positive growth rate. Since 1991 the government has focused on liberalization of policies to foreign direct investments. FDI in India has enabled to achieve a certain degree of financial stability; growth and development to sustain and compete in the global economy. The objectives of the study are (i) to study of FDI in India (ii) to know the impact of FDI in Indian Retail Sector study. The contribution of FDI to the Indian economy.

IMPACT OF GST IN INDIA-SOMEISSUES

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  • Abstract

    GST called as Goods and Services a single tax on the supply of goods and services, correct from the producer to the customer. Credits of input taxes paid at each stage will be available in the ensuing stage of value addition, which makes GST essentially a tax only on value addition at each stage. Objectives of the study are advantage and disadvantage impact of the GST in the India.

HUMAN RESOURCE MANAGEMENTAND EMPLOYEES PERFORMANCE INRETAIL BANKING SECTOR

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  • Abstract

    Human Resource Management (HRM) has grown very popular over the past decades, and it is now a common characteristic for nearly all larger companies and many smaller ones. One of the reasons for this popularity is the assumption that HRM is a source for competitive advantage and will influence the organizational results and performance in a positive direction. Further the most important need in this banking service industry is naturally the Human Resource during the early phase of banking development in India after independence; opportunities for employment of the educated man-power were relatively limited. This sector was the preferred employer for the educated persons in the country in addition to civil services.

A STRUCTURAL SEMANTICS STUDY OFBINARY ANTONYMS IN IRULA LANGUAGE

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  • Abstract

    Language, man’s wonderful creation, acts as a means of social interaction. It is used for the maintenance of connection between individuals. Language is a system effectively used by man for the exchange of thoughts, emotions, beliefs, ideas or feelings. For the more than two decades the structuralism in the structural semantics idea has tried to display that all classes of lexical relation consequently one of the main concept is to present this uprising has been the thought of the binary Antonyms. Saussure’s philosophy of language made opposition to his thought of the binary opposition, also lexical relation theory proposed by John Lyons. The general features of opposites are either gradable or non gradable. Grading involves comparison. Belated ‘big’ and connate ‘small’. Whereas, opposite pairs like a: maple ‘male’ and pimple ‘female’ are non gradable antonyms. Such pairs do not involve comparison. In this study, the attempt is made to explain the concept of the binary Antonyms with Identity test of Irula language speaker.

SOLID WASTE MANAGEMENT IN TIRUVANNAMALAI MUNICIPALITY

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  • Abstract

    Solid waste management is among the basic essential services provided by municipal authorities in the country to keep cities clean. Due to industrialization, rural to urban migration and high growth rate of population have induced rapid urbanization in developing countries and obviously in India also. The haphazard urbanization created acute problem of solid waste management. The per capita waste generation rate in India has increased from 0.44 kg per day in 2011 to 0.5 kg per day in 2011; such a steep increase in waste generation within a decade has severed the stress on all infrastructural, natural and budgetary resources. Tiruvannamalai town generates 52 Tons of Solid Waste per day out of this nearly 40 MT of the Solid Waste being collected, transported and disposed daily, which works to per capita generation of 250 gms /day. The efficiency of the present mechanism is able to collect 75% of the total waste generated in the town. The Urban Local Body also carry out weekly mass waste cleaning programme to clear the left out wastes by making extra vehicle trips in the town. The total garbage collected constitutes 48% of the domestic wastes 42% commercial wastes and 10% of construction wastes. The developmentalong with population growth resulted In the accumulation of huge amount of solid waste including hazardous and toxic waste. .

A STUDY OF TWO WHEELER INSURANCE IN ORIENTAL INSURANCECOMPANY LIMITED – SIVAKASI

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  • Abstract

    Although Insurance may have been used by the Babylonians, the Greeks and the Romans, Insurance in the modern sense originated in the Mediterranean during the 13th or 14th century. The earliest references to insurance which have so far been traced appear in the accounts of North Italian Merchant-Bankers who dominated the International Trade of Europe at that time. In this paper, the researcher has to analyze the two wheeler Insurance in Oriental Insurance Company Limited and also Customer Attitude towards Insurance Policy like Chi- Square Test and so on.

NEW INNOVATIONS AND DIMENSIONSOF HUMAN RESOURCE MANAGEMENTACTIVITIES TO IMPROVE IN ENTERPRISES OF CURRENT ENVIRONMENT

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  • Abstract

    In this study, a model for improvement activities of human resource management (HRM), which is include: training, payment system, selection, valuation functions of organizations is proposed. It leads to development innovation in organization by improving the knowledge in staff and transfer knowledge between staff and use of knowledge in organizations. Today in all the word emphasis on the innovation that increased amongst all companies. Effects of information globalization and also factors (such as increasing comparison, in certain industrial boundaries, etc.) change the business environment. In this situation the companies for survive need to innovation. Key factors of successful in active organization in new technologies are having the innovation in offering productions and services by using special knowledge. In this organization the most important factor is having creation and expert human resource by high motivation. The most important problems are lacking use of human resource in innovation in Organization that contains: lacking the suitable payment system, valuating function of staff, don’t attention to dynamic activity in Organization and don’t offer sufficient training to staff.

A STUDY ON THE MATURITY PROFILEOF ASSETS AND LIABILITIES MANAGEMENT IN INDIAN SCHEDULED

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  • Abstract

    The recent global financial turmoil demonstrated that maintenance of adequate liquidity is a sine qua non for the uninterrupted functioning of the banking system. In the Indian context, the rapid growth observed in banks’ lending which are long-term in nature coupled with dependence of the banking system on short-term deposits raises concerns with regard to ALM. In India asset liability mismatch in balance sheet of commercial banks posed serious challenges as the banks were following the traditional methods of recording assets and liabilities at the book value. The liberalization process in the economy coupled with multifaceted global developments exposed banks for various kinds of risks viz.interest rate risk, liquidity risk, exchange risk, operational risk etc. which have direct impact on their operations, profitability and efficiency to compete with. The Central Bank of the country focused and advised banks for taking concrete steps in minimizing the mismatch in the asset-liability composition. There had been many positive impacts of various strategies followed by banks in the last one decade. This paper is an attempt to analyze the maturity Profile of Assets and Liabilities of Scheduled Banks. The paper mainly discusses on the Nationalised Banks Group, Private Banks Group, Foreign Banks Group and Small Finance Group. In this study the researcher study the Maturity Profile of Assets and Liabilities of Scheduled Banks for the period of 2017.

FINANCIAL INCLUSION: EFFECTS, OPPORTUNITIES AND CHALLENGES

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  • Abstract

    In November 2014, Kerala became one of the first states in India where every household had access to at least one bank account. The Ministry of Finance applauded this result, declaring it a “100 percent saturated state”. However, a recent estimate found that a large number of accounts are dormant or inoperative and, further, that many individuals hold multiple bank accounts, which presents over indebtedness concerns. Yet, even without full saturation, Kerala remains a leader in financial inclusion in India and, thus, the industry can learn from its accomplishments. Along with its exemplary financial services access statistics, there is no doubt that Kerala is a model state for financial inclusion partly due to its history, being home to one of the five financial institutions in India during the 1800s. It developed its banking infrastructure relatively early and, due to extensive population segmentation, created a large network of branches that still caters to different communities and customer bases.

IMPACT ON COMPETENCY MAPPING AMONG THE MIDDLE-LEVEL MANAGERS: A STUDY WITH SPECIAL REFERENCE TO AUTO ELECTRICAL INDUSTRIES IN CHENNAI CITY

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  • Abstract

    Competency mapping is a process which identifies an individual employee’s strength and weakness to help them to recognize themselves better. It leads to increased capacity by achieving a more holistic view of the accumulated competence of the entire organization. The competency mapping establishes expectations for performance excellence, resulting in a systematic approach to professional development, improved job satisfaction, and better employee retention. The study conducted among the middle-level managers of auto electrical industries in Chennai city. This paper attempts to understand Competency mapping and its impact on the performance of the organization. The effort is made to understand the competency mapping in the implementation areas such as recruitment, training, appraisal process and career development of employees in precisely. The study found that the training programs, selection process and performance appraisal process significantly influencing towards the job performance among the middle level managers in auto electrical industries in Chennai city.

A STUDY ON CONSUMERS SATISFACTION AND ATTITUDE TOWARDS ONLINE SHOPPING IN CHENNAI

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  • Abstract

    Online transactions are increasing at a fast pace. The city of Chennai ranked 6th in the country with 0.694% of the population, has the potential of further increases in online transactions. With a view to understanding and estimating the online transactions in Chennai, a simple Random Sampling has been carried out with 100 Respondents. Identifying the demographic details of the Respondents, the study has attempted to analyze their preferred sites of purchase, the frequency of purchase, the variety of purchase and the level of satisfaction of the Respondents. Findings show that more women than men indulge in online purchases. The Respondents are mostly 30 years and above in age. The Respondents are educated at least till school level and are from the Rs. 3 lakhs and above income bracket. The study also shows that the level of satisfaction of the Respondents ranges from good to excellent.

FUNCTIONS OF HOLOMORPHIC AND HARMONIC

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  • Abstract

    In the article, we plane to focus mainly on the theory of holomorphic and harmonic function. We discuss some basic definitions and standard results on maximum modulus theorem. If 𝑓(𝑧) and 𝑓(𝑧) are holomorphic function in 𝑈. Then 𝑓(𝑧) is constant in U. The real and imaginary part of an analytic function is harmonic function.

GENDER DISCRIMINATION IN MAHESH DATTANI’S PLAYS “DANCE LIKE A MAN AND TARA”

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  • Abstract

    Gender discrimination is the unequal treatment or prejudice or discriminatory attitude towards a gender based on the grounds of a person’s gender or sex. It arises from differences in the unwritten norms by the society for socially constructed gender roles. In Gender disparity, one gender is considered superior to the other; most of the times, men are considered superior to women but sometimes, men are also discriminated in the hands of the society because of the unwritten social norms. Gender discrimination has been depicted by different writers in their works. As it is very apparent in India, Indian literature is a corpus of gender discrimination. In this article, I’ll be discussing Mahesh Dattani’s Dance like a Man as a critique of gender discrimination.

HAUSDORFF SPACE AND HOMEOMORPHISM IN TOPOLOGICAL SPACE

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  • Abstract

    In this article, define a focus mainly on the theory of topological spaces discuss some basic definitions and standard result on topology. Prove some important result on the different topologies applied in the Hausdorff space. If a continuous bijection from a compact space to a Housdorff space is a Homeomorphism.

IMPACTS OF RURAL CREDIT IN INDIAAN ANALYSIS

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  • Abstract

    These paper attempts to analyze the impacts of rural credit in India. The analysis reveals that the credit delivery to the agriculture sector continues to be inadequate. They deals with the banking system is still hesitant on various grounds to purvey credit to small and marginal farmers. The situation calls for concerted efforts to augment the flow of credit to agriculture, alongside exploring new innovations in product design and methods of delivery, through better use of technology and related processes. Facilitating credit through processors, input dealers, NGOs, etc., that are vertically integrated with the farmers, including through contract farming, for providing them critical inputs or processing their produce, could increase the credit flow to agriculture significantly.

AN ECONOMIC ANALYSIS OF MSMEs: A CASE STUDY OF DINDIGUL DISTRICT

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  • Abstract

    Micro Small and Medium Enterprises (MSME) form the backbone of the Indian manufacturing sector and has become engine of economic growth in India. This paper closely analyses the growth and development of the Indian mall scale sector from opening of the economy in last few years. Another part looks into the present scenario of MSMEs and the problems they phases like lending, marketing, license issues in detail. The Micro, Small and Medium Enterprises Act, 2006 is intended to boost the sector. The provisions of the Act are examined closely. The final part in this paper provides some future policy framework for the sustainability of the sector and analysis the facts on MSMEs.

A STUDY ON CUSTOMER RELATIONSHIP MANAGEMENT OF BANKING SECTOR WITH SPECIAL REFERENCE TO COMMERCIAL BANKS IN CUDDALORE

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  • Abstract

    Customer Relationship Management acts as a vital role in all business activities and increasing the customer value in organizations. Especially in banking sector, CRM need in all the stages to growth of the business and satisfaction of the customers. The aim of this study is to find out various causes that stand for poor performance in CRM practices in banking sector and to find out the methods to overcome these problems and also give remedies for best CRM practices. In this study, we concluded that the customer needs quick response to their problems. The bank employees got the required facilities that needed for good CRM practices for the improvement of business activities.

A STUDY ON INTERNET BANKING OF CUSTOMER SERVICES IN KANCHIPURAM DISTRICT

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  • Abstract

    The banking industries are mostly customer driven and their survival in competitive environment largely depends on new technology services provided by them. Technology play vital role in improving the quality of services provided by the banking services. One of the technology which really brought information revolution in the society is Internet Technology and is rightly regarded as the third wave of revolution after agricultural and industrial revolution. Advent and adoption of internet by the banking has removed the constraint of time, distance and communication making globe truly a small village.

A SURVEY ON FEATURE SELECTION TO PERFORM CLASSIFICATION USING META HEURISTIC ALGORITHMS IN DATA MINING DOMAIN

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  • Abstract

    Feature selection becomes the focus of much research in many areas of applications for which datasets with large number of features are available. Feature Selection Methods in Data mining and Data analysis problems aim at selecting a subset of the features that describe the data in order to get a compact and exact representation of the available information hidden in the data. The selected subset of data is the most useful and contains all the useful information with all the irrelevant data is deleted. The dimensionality of the feature space when being high affects the classification accuracies and the computational complexity due to redundant, irrelevant and noisy features present in the dataset. The role of feature selection is in the context of deep learning and how feature selection is related to feature engineering. Relevant feature identification has become an essential task to apply data mining algorithms effectively in real-world scenarios. Therefore, many feature selection methods have been proposed to obtain the relevant feature or feature subsets in the literature to achieve objectives of classification and clustering. A comprehensive overview, categorization, and comparison of existing feature selection methods are also done, and the guidelines are also provided to select a feature selection algorithm without knowing the information of each algorithm. Classification is a data mining (machine learning) technique used to predict group membership for data instances.

WOMEN WORKERS IN UNORGANISED SECTOR – A STUDY

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  • Abstract

    In India, women constitute almost half of the total workforce. However, over 96 percent of women work in the informal, unorganized sector. Overall, the informal sector constitutes 93 percent of the workforce of the population of India. Moreover, these workers contribute 62 percent to the Gross Domestic Product (GDP), and 50 percent to the national income. This sector includes workers employed in a wide range of economic activities like agriculture, construction and domestic workers. The main objectives of the study are to analyze the problems faced by the women workers in Agriculture, Construction and Domestic sector and analyze the factors influencing the expectations of women workers in unorganized sector.

STRATEGY OF MANAGING NPA BY PUBLIC SECTOR AND PRIVATE SECTOR BANKS IN INDIA

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  • Abstract

    In India, public sector banks cover almost 80 percent of the market share when it comes to financing. The next sector penetrating deep into the market is private sector banks (on the basis of advances granted). A bank can never grant credit if it remains over cautious for loss. Therefore every bank has some possibility of incurring loss due to bad loan or Non-performing Asset. NPA is a loan which has stopped generating income either in the form of interest and/or instalment. This paper is about the NPA of both sectors and its management by them(asset management). Public Sector has high ratio of NPA when compared with its private peers. Therefore this topic has been taken up to compare the both sectors on the basis of bad loans and accordingly conclusion has been made.

HUMAN RESOURCE APPROACHES IN TEXTILE INDUSTRIES

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  • Abstract

    Human Resources include all the dynamic components of the people at all levels in the organization whereas „personnel‟ means the employees working in an organization. Human Resources are the most important assets of modern organizations. No organization can think of viability and effectiveness without the efficient utilization of Human Resources, which is a very tough task in the present age of technological advancement, knowledge explosion, sociological changes and increased governmental intervention in business and industry.

GROWTH OF WOMEN ENTREPRENEURSHIP IN TAMILNADU

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  • Abstract

    Entrepreneurs play very important role in socio-economic welfare of the country. They identify the needs of the business, purchase the other factors of production and coordinate them for some productive purposes. They are the innovators, researchers and risk-takers of the company. Due to the mixed economy in India, both public and private entrepreneurship exists here. Large scale sectors are under the public entrepreneurship. The middle and small scale sectors are under the private entrepreneurship. In order to develop entrepreneurship in this sector, Government of India has stepped towards the Entrepreneurship Development Programmes.

INCLUSIVE GROWTH AND SERVICE SECTOR WITH SPECIAL REFERENCE TO BANKING INDUSTRY IN INDIA

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  • Abstract

    Financial sector act as a facilitator and multiplier for overall economic stability and growth of a nation. Financial inclusion has been identified as a priority sector by the government towards achieving the goal of inclusive growth. It is one area that has the ability to service the whole economy. India being a fastest growing nation, it is very vital to ensure that every section of the county grows together with its nation. Banking sector has already set its route map in ensuring financial inclusion in every part of the country. Lot many programs and schemes have been introduced towards achieving this goal this paper studies the main changes that have taken place in the banking sector over the last few decades, towards ensuring inclusive growth in the country. This paper also checks the major schemes and policies of the government which has a major impact on the economy. Also an analysis of the areas that still need to be tackled of is made in the paper.

MARINE FISH MARKETING IN TAMILNADU

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  • Abstract

    Fishing is no longer the traditional occupation of a fishermen living along the sea coast. Fishing and allied activities constitute an industry and have created employment opportunities for more people having different skills in different fields of fisheries. It offers a wide scope to fulfill the objective of production cum full employment envisaged in the development plans in India. It provide direct employment to millions of people and indirect employment through associated activities like net making, boat making, boat repairing, fish processing, fish trades, fish trades, fish transportation etc., in this context. The fisheries sector desires high priority since it has the potential of employment and income generation.

A STUDY ON PROBLEM AND PROSPECTS OF MARINE FISH CATCHERS IN KANYAKUMARI DISTRICT

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  • Abstract

    Marine fisheries sector in India has witnessed an impressive growth from a subsistence traditional activity to a well-developed commercial and diversified enterprise. The marine fisheries sector has been playing an important role in the Indian economy by its contributions to employment generation, income augmentation, foreign exchange earnings, providing food and nutrition security. Over the last two decades, fisheries issues have emerged from being merely an obscure sectorial concern to an important growth sector with an expanding role in economic development and food security. In recent years, it has emerged as a vibrant sector and is being considered as a strategic sub-sector for promoting agricultural diversification.

A STUDY ON WORKING CAPITAL MANAGEMENT IN RAJSHREE SUGARS AND CHEMICALS LIMITED IN THENI

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  • Abstract

    The research paper “A Study on Working Capital Management in Rajshree Sugars and Chemicals Limited in Theni”, to ascertain this efficiency of working capital management of the company. Working capital may be regarded as the lifeblood of business. Working capital is needed to meet the day-to-day requirement of the business unit. The development of working capital assets is possible only by efficient working capital management. This study on working capital management is conducted in Rajshree Sugars and Chemicals Ltd., Theni. Therefore, the study of the management of working capital is very necessary. The objective of this paper was to study the pattern and procedures followed for managing various components of working capital, so as to evaluate the efficiency of working capital management. So, this study intends to comprehensively evaluate the inventory, receivables, creditors and cash management. The study also aims to analyze the alternative sources of working capital financing employed by Rajshree Sugars and Chemicals Ltd., Theni.

AN IN-DEPTH STUDY OF HRM IN INDIAN BANKING SECTOR

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  • Abstract

    Indian Banking industry must evolve a human resource management system on a scientific basis and adopt human resource development policies that fit the needs of the industry. The Indian Banking industry must be managed by banking professionals in order to be competitive and to grab the fruits of the sector in the international market. This paper studies a review of human resources management practices in the banking sector in India particularly in Public Sector Banks with consideration of five important indicators of banking sector such as job analysis, recruitment and selection, training and development, performance appraisal and compensation. As a result, the suggestions will support proper implication of human resources management practices in the Indian public sector banks.

ADVANTAGES AND DISADVANTAGES OF DEMONETIZATION: A CASE STUDY OF VIJAYAPURA CITY, KARNATAKA STATE

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  • Abstract

    Demonetization is bold step of Government towards economic development of India. Demonetization policy is most discussed topic in every corner of India during eve of 2016. The main objective of demonetization is to curb black money. The process of Curbing Black Money through Demonetization has made it mandatory to all the India citizens to deposit their old currency in the banks and exchange them for a new currency. On November 8, 2016, Prime Minister Narendra Modi announced the demonetisation of Rs 500 and Rs 1,000 notes to combat the evil of unaccounted money that constituted the „black money‟ in India. This compelled Indian citizens to exchange their notes through the formal banking system, which led to the creation of a large number of new accounts or made previously dormant accounts active again. It also encouraged Indian citizens to take up digital payment options. Demonetization had impact on each and every field of the economy. Present paper in intended to study the “Advantage and Disadvantage of Demonetization: A case Study Vijayapura City, Karnataka State”. It is based on both primary as well as secondary data which is collected from field survey and from various research papers, reference books related to Demonetization, magazines and articles, from various journals and based on referred sourcespublished, unpublished and electronic. This study is intended to offer suitable suggestions based on findings found during study.

A COMPARATIVE STUDY ON PRIVATE AND PUBLIC HOUSING FINANCE COMPANY LIMITED WITH SPECIAL REFERENCE TO SBI AND HDFC BANK IN TANJORE DISTRICT

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  • Abstract

    The aim of this paper to identify the borrowers perception of housing finance feasibility of various loan schemes depend on interest rate, processing time, stages of loan sanctioning, facilities offered by banks, period of sanctioning loan, speed of communication and loan extension facility offered by housing financial institutions. The housing financial institutions presently operating in Tanjore district have their own policy to attract people towards it. The study is extended to evaluate the opinion and attitude of home loan borrowers towards home loan schemes of SBI and HDFC Bank with reference to their perception, factors leading to selection and level of perception. This study has been conducted through literature study as well as a questionnaire administered survey of 450 respondents of different age groups, income & occupation and has been analyzed through various analytical tool to comply with the objectives & also to draw conclusions. This paper may suggest as a valuable guideline and advice for customer to review their loan schemes, rate of interest, processing time and stages of loan sanctioning according to the need of the housing loan borrowers.

INVESTORS ATTITUDE TOWARDS UTI MUTUAL FUNDS

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  • Abstract

    Indian mutual fund has gained a lot of popularity from the past few years. Earlier only UTI enjoyed the monopoly in this industry but with the passage of time many new players entered the market, due to which the UTI monopoly breaks down and the industry faces a severe competition. As the time passes this industry has become a buzz word in the Indian financial system. So it is very important to know the investors’ perception about this industry. The present study analyses the mutual fund investments in relation to investor’s behavior. Investors’ opinion and perception has been studied relating to various issues like type of mutual fund scheme, main objective behind investing in mutual fund scheme, role of financial advisors and brokers, investors’ opinion relating to factors that attract them to invest in mutual funds, sources of information, deficiencies in the services provided by the mutual fund managers, challenges before the Indian mutual fund industry etc.

LAND ACQUISITION AND DISPLACEMENT: AN OVERVIEW

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  • Abstract

    This research articles mainly focus on land acquisition and legal procedure for land acquisition. It contains Land Acquisition: Legal, Conceptual and Procedural Framework, Land Acquisition in Colonial India, Land Acquisition Act, 1894, Land Acquisition Act in Post-Colonial India, 1984, Lacunae in Scope of Land Acquisition Act, 1984, The Rehabilitation and Resettlement Bill, 2007, The Right to Fair Compensation and Transparency in Land Acquisition, Rehabilitation and Resettlement Act, 2013, Definition of Affected People, Social Consequences of Forced Shift, (a) Relocation Theory, (b) Impact on the Community, (c) Change in Culture, (d) Change in Caste and Class Identity, (e) Change in the Family Structure Due to Development Induced Displacement, (f) Impact of Development Induced Displacement on Women(g) Impact of Development Induced Displacement on Children (h) Impact of Development Induced Displacement on Elderly, Impact of Displacement on Economic Structure of Affected Families.

EDUCATION AND HEALTH IN INDIA SOME ISSUES

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  • Abstract

    It is essential we understand the relationship between health and education and its effects on economic development in the India. Human Capital in its broadest sense encompasses the levels of education and health of the population. Education increases productivity, speeds technological advancements, and increases the probability of more healthy productive children, all of which promotes economic development. Growth, in turn, incentivizes investment in human capital. Objectives of the study are (i) to examine the education and health in India.

A STUDY ON INVESTORS PERCEPTION TOWARDS ICICI MUTUAL FUNDS IN KARUR DISTRICT

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  • Abstract

    Mutual funds have opened new vistas to millions of small investors by virtually taking investments to their doorstep. In India capital market provide various investment avenues to the investors which help them to invest in various industries and to ensure profitable return. Among the various financial products, Mutual fund ensures the minimum risks and maximum return to the investors. Growth and development of various mutual funds products in the Indian Capital Market has proved to be one of the most catalytic instruments in generating momentous investment growth in the capital market. In this context, Investors perception plays significant role towards the decision making regarding investment in mutual fund. Availability of huge variety of mutual funds has made it arduous for the investors to choose between the Equity, Balanced and Income schemes. The study helps to understand the demographic profile of the respondents and the satisfaction level on mutual funds in Karur district in Tamilnadu.

CUSTOMER SATISFACTION TOWARDS RETAIL STORES IN TIRUCHIRAPPALLI CITY

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  • Abstract

    India is one of the fastest growing economic systems in the world and one of the largest sectors in terms of consumer purchasing power. India is moving towards growth and retail is amongst the fastest growing sectors in the country. Retail industry plays a significant role in increasing productivity across a wide range of consumer goods and services as it is a big business in developing countries. Logistical challenges, constant changes in consumer preferences and patterns, crowded market places, efficient customer responsiveness and swiftly evolving retail quality products are the hallmarks of today’s retail environment in India. In modern days most Indian retail players are under serious pressure to make their shops more efficient in order to deliver the quality service to the consumers. Quality improvement and adherence to accepted norms of quality are central to the modern concept of marketing of services. The quality of service delivery results in customer satisfaction and their retention implies that the value of service received is greater than the price paid for it. Among the different types of retail outlets, Supermarket occupies an important position in the marketing field. Because it provides an extensive range of individual and housing durable goods, product needs and offering customers for multiple product lines at different prices. As organized retailers are considered as offering similar merchandise in the outlets, improving service quality is viewed as vital to ensure the consumer needs.

ANALYSIS OF CASH MANAGEMENT WITH SPECIAL REFERENCE TO SUGAR UNIT’S LTD IN TAMILNADU

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  • Abstract

    Cash is seen as the “life blood” of every business organization. Khan and Jain (2013) indicate that, apart from the fact that cash is the most current asset, it is also seen as the common denominator to which all current assets can be reduced. They explain this to mean that all other liquid assets, such as; inventories, receivables and marketable instruments will all be converted to cash eventually.

BRAND AWARENESS AND CONSUMER PREFERENCES TOWARDS FAST MOVING CONSUMER GOODS IN THIRUVANNAMALAI DISTRICT AN EMPRICAL STUDY

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  • Abstract

    The market for FMCGs has been growing steadily over the years and has been a disparity in the consumption patterns. The FMCG sector is the fourth largest in the Indian economy .Growing awareness, easier access, and changing lifestyles have been the key growth drivers for the sector. With the increasing disposable income, the mid, high income group consumers have shifted their purchasing trend from essential to premium products. Consumers brand preferences represent a fundamental step in understanding consumer behavior which would help marketers’ in designing marketing program for creating long term relationship with consumers. Brand awareness is the degree of familiarity among consumers about the life and availability of the products and Brand preference is the individual tastes, measured utility, likeness and willingness to accept. Hence a study has been made on five FMCG products-Tooth paste, Toilet Soap, Tea, Cooking Oil and washing Soap in Thiruvannamalai district .The result of the study showed that there is a close relationship between Loyalty of customers to the products and demographic variables; close relationship between influencing persons and all influencing factors in respect five FMCGs.; relationship between Brands switching and schemes offered. Artificial Neural Network showed that Quality, Attractive Features, Long Lasting brands Dignity and package are the top five factors that influence the preferences of select FMCG products.

A STUDY ON HUMAN RESOURCE MANAGEMENT IN INDIA TOBACCO COMPANY LIMITED IN CHENNAI

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  • Abstract

    The present study is to evaluate the human resource management practice in ITC Limited. In this study the researcher has identified the specific key areas of Human Resources Management Practices to know their impact on ITC Limited. This study is dependent on primary data to a very great extent. For collecting the primary data the questionnaire had been prepared for the employees of ITC Limited. Having selected the study units, the next step was to decide on the sample size and the selection of the respondents in a systematic manner. The sample size the result would approach near accuracy situations when the generalizations are made. Hence, the researcher had decided to collect the data from 30 per cent of the workers. A sample of 30 per cent that is onethird of the workers populations was chosen as the sample size just to ensure the accuracy of the results to the maximum extent possible. It is concluded that the overall human resource practices in ITC Ltd are satisfactory, which is an appreciable factor in ITC Ltd. This study shows positive and direct relationship between the extent of firm's adoption of high performance human resource practices and firm's managerial productivity. The conclusions of this research pave the way for several research areas and have the potential of becoming a base for auxiliary research.

RELATIONSHIP MARKETING DIMENSIONS WITH SPECIAL REFERENCES TO COMMERCIAL BANKS IN TAMILNADU

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  • Abstract

    Gummes son (1993) says the term as a strategy in which the management of interactions, relationships and networks is a fundamental issue. The aim of relationship marketing is to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that the objectives of the parties involve dare met. The marketing literature has the orized key virtues that under pin relationship marketing, such as trust(Morgan and Hunt, 1994; Veloutsouet al., 2002),commitment (Grossman, 1998;Chan and Ndubisi, 2004), conflicthandling (Dwyeretal., 1987; Ndubisiand Chan, 2005), and communication or sharing of secrets (Ndubisiand Chan, 2005; Morganand Hunt, 1994; Crosby etal.,1990). These have been linked in this study to customer Satisfaction.

A QUALITATIVE APPROACH ON CORPORATE SOCIAL RESPONSIBILITY IN INDIA

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  • Abstract

    CSR is a new business phenomenon which is not yet fully-understood and explored (compared to environmental issues) in corporate discussions and many of its features. The present study is an attempt to study the concept of Corporate Social Responsibility among Students with Commerce Degree and Executives with Commerce Degree, adopting a qualitative approach.

CONSUMER PROTECTION AND AWARENESS

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  • Abstract

    The consumers, particularly the young consumers whose number has been going up, are responsible, vigilant and are able to assert their rights and responsibilities, resist/reject substandard goods/ services wherever required and do not hesitate to seek justice through consumer courts if needed, the manufacturers, traders and service providers cannot afford to take them for granted while selling a product or rendering service on payment or to adopt any unfair trade practice. An alert consumer aware of his rights and responsibilities not only can protect himself but can also make consumer sovereignty a reality.

A STUDY ON WOMEN ENTREPRENEURSHIP IN DHARMAPURI

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  • Abstract

    Women have been successful in breaking their confinement within the limits of their homes by entering into varied kinds of professionals and services women entrepreneurs have proved to be on par with their man counterparts is business are highly increasing in the economics of almost all countries. Women entrepreneur is a person who accepts challenging role to meet her personal needs and become economically independent. In India around three million entrepreneurs are working and mainly they are skewed towards smaller sized firms as almost 98 percent of women business are micro enterprises. The study suggests some strategies for empowering rural women.

HIGHER EDUCATION IN INDIA AND ITS IMPACT

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  • Abstract

    India’s education system, as one of the world’s largest, has been studied and reflected in India. Higher education is an optional final stage of formal learning that occurs after completion of secondary education. After Independence there were only 20 universities and 500 affiliated colleges and near about 1,00,000 students were availing the facility of higher education. Recently, more than 645 universities, 33023 affiliated colleges, Over 12748 diploma granting institutions etc. An objective of the study is (i) to evaluate the higher education in India.

RURAL MARKETING IN INDIA- SOME ISSUES

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  • Abstract

    Rural marketing is now a two-way marketing process. There is inflow of products into rural markets for production or consumption and there is also outflow of products to urban areas. The rural market has been growing steadily over the past few years and is now even bigger than the urban market. About 70 per cent of India’s population lives in villages. More than 800 million people live in villages of India. ‘Go rural’ is the marketer’s new slogan. Indian marketers as well as multinationals, such as Colgate-Palmolive, Godrej and Hindustan Lever have focused on rural markets. Thus, looking at the opportunities, which rural markets offer to the marketers, it can be said that the future is very promising for those who can understand the dynamics of rural markets and exploit them to their best advantage. (i) To examine the Opportunities in Rural Market of India (ii) to analyze the Challenges of Rural Marketing in India.

A STUDY ON RURAL ENTREPRENEURSHIP IN INDIA CHALLENGES AND REMEDIES

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  • Abstract

    Entrepreneurship is the process of Designing, launching and running a new business, which is often initially a small business. The people who create these businesses are called entrepreneurs. It has been described as the “capacity and willingness to develop, organize and manage a business venture along with any of its in order to make a profit

CHALLENGES OF ONLINE PAYMENT SYSTEMS WITH SPECIAL REFERENCE TO KALIKAVU BLOCK PANCHAYATH

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  • Abstract

    E-Commerce has evolved as a flag bearer of change in the field of commerce and business. As such, a number of studies have been conducted in relation to e-commerce and allied fields. However, most of them have been general to the subject, while some deals with area-confined customer attitude studies. Online payment system is one of the major pillars for a successful e-commerce system. A lot of payment options are available for a customer who associates himself with e-commerce activities. Two major categories of payment options for e-commerce are: COD (Cash On Delivery) and online payments. COD means payment of physical cash at the time of receipt of the commodity or its actual delivery. Online payment systems is an umbrella term and include a wide variety of payment methods ranging from credit / debit cards to mobile wallets. As far as the customer is concerned both these payment options will have their own benefits and drawbacks. Still, e-payment systems are said to be true to the spirit of ecommerce as there is no ‘real’ transaction taking place. Thus, a descriptive study with respect to challenges faced by online payment systems will help to understand the areas where this major pillar is lagging behind. The study attempts to throw light on the areas where the system needs to improve so as the customers tend to benefit more from it. This study is with special reference to Kalikavu Block Panchayath and aims to find customer’s attitude, preferences and the risk associated with online payment systems

LEADERSHIP AND ITS IMPACT ON EMPLOYEE PERFORMANCE – USING PLS SMART

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  • Abstract

    The present study is to investigate the relationship between the leadership styles and its impact on the employee performance. Since the leader is the person who has to inspire, motivate and influence the employees to perform better in attaining the company’s objectives. Hence, the present study is an attempt to know how the leadership styles are influencing the employee performance. For the purpose of the present study the structured questionnaire is the tool used to collect the data. A sample of 60 filled in questionnaires was received from the respondents after distributing 250 questionnaires to the employees. The samples were selected by using the convenience sampling method. SPSS and Smart PLS were used for statistical analysis. The results showed that there was a significant impact of leadership on the employees' performance. Demographic variables service and department was found to be significant towards the employees’ performance.

A STUDY ON TOURISTS SATISFACTION IN IMPULSE BUYING

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  • Abstract

    Impulse buying is buying without thinking. Impulse buying occurs “when a consumer experiences a sudden, often powerful and persistent urge to buy something immediately” (Rook, 1987). Tourist’s always make impulse purchase during their tour trips. After having impulse purchase everyone will have some feeling. This paper is to analyze the satisfaction level of the tourist’s after conducting impulse purchase. The level of satisfaction is measured on the basis of usefulness, quality, feature and price of the product. The study is conducted on 400 tourists (national and international) visited on various tourist destination of north Malabar region of Kerala. From the study, it is find out that majority of the respondents are satisfied after making impulse buying and it is find out that foreign tourists are more satisfied than domestic tourists after impulse buying.

CONSUMERS PERCEPTION ABOUT ECO-FRIENDLY PAINTS IN PUNE

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  • Abstract

    Against the back drop of depleting resources due to rapid population growth coupled with indiscriminate utilization of resources, the call for sustainable approach is louder than ever before. Marketing organizations, world bodies, Governmental and non governmental bodies have been spearheading the call for environment friendly products and sustainable approach. Various Marketers have come out with products which are not only environment friendly but also gentle towards human health. Some paint manufacturing companies have also come up with Eco-friendly paints the adoption or success of which has not been studied much. This paper makes an attempt to study the perception of consumers about the Environmental friendly paints/Eco-friendly paints or Low VOC paints, and the factors impacting adoption of such products and their outlook

A STUDY ON FINANCIAL ANALYSIS OF AUTOMOBILE INDUSTRIES

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  • Abstract

    The Indian automobile industry is one of the largest industries in the world. The industry accounts for 7.1 per cent of the country's Gross Domestic Product (GDP). The Two Wheelers segment with 80 per cent market share is the leader of the Indian Automobile market owing to a growing middle class and a young population. Moreover, the growing interest of the companies in exploring the rural markets further aided the growth of the sector. The overall Passenger Vehicle (PV) segment has 14 per cent market share. India is also a prominent auto exporter and has strong export growth expectations for the near future. Overall automobile exports grew 13.01 per cent year-on-year between April-December 2017. In addition, several initiatives by the Government of India and the major automobile players in the Indian market are expected to make India a leader in the Two wheeler and Four Wheeler market in the world by 2020

CUSTOMER RELATIONSHIP MANAGEMENT PRACTICES OF THE NEW GENERATION PRIVATE SECTOR BANKS IN PUDUCHERRY

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  • Abstract

    The banking sector is a good indicator of the economy. Banks are the backbone of all transactions. The success of any business is based on customer satisfaction. The customer relationship management is implemented for the success of banking process. Globalisation, competition, implementing technology, customer satisfaction are the major problems of bank. The customer relationship management is an effective tool to retain old customers and attracting new customers. Using the information technology banks can provide many satisfactory services to customers. The study examines the perception level of customers and bankers towards customer relationship management in 6 new generation private banks namely HDFC Bank, ICICI Bank, Axis Bank , Yes Bank, Kotak Mahindra Bank and Indusind Bank. The present study is based on survey method in Puducherry banks. Different analyses were made based on the perception of the customers and bankers.

A STUDY ON QUALITY OF WORK LIFE AND SOCIAL SECURITY IN NEW GENERATION COMMERCIAL BANKS

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  • Abstract

         Webster‘s dictionary defines conflict as a sharp disagreement or opposition of interests or ideas. Anytime people work together, conflict is a part of ‗doing business‘. Conflict is a normal and natural part of any workplace. When it occurs, there is a tendency for morale to be lowered, an increase in absenteeism and decreased productivity. It has been estimated that managers spend at least 25 percent of their time resolving workplace conflicts – causing lowered office performance.

NEW FINANCIAL INCLUSION FOR ECONOMIC GROWTH IN INDIA

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  • Abstract

    India is one of the largest and fastest growing economies of the world, but what has been the most disturbing fact about its growth is that its growth has not only been uneven but also discrete. It has been uneven in the sense that there has been no uniformity in its growth performance and it has been discrete and disconnected with regard to growth and distribution of growth benefits to certain sectors of economy. And thus the need for inclusive growth comes in the picture of Indian economic development. However for attaining the objectives of inclusive growth there is a need for resources, and for resource generation and mobilization financial inclusion is required. It plays a very crucial role in the process of economic growth. As the majority of the rural population is still not included in the inclusive growth, the concept of financial inclusion becomes a challenge for the Indian economy. Since 2005, many concerted measures are initiated by the Reserve Bank of India and Government of India in favour of financial inclusion.

STARTUPS IN INDIA – ISSUES AND CHALLENGES

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  • Abstract

    India is the second largest populous country in the world with 1.2 billion population strength. To cover up this large population there exist large potentiality of job market in India. To this extent, the Government of India has initiated to promote Bank financing for start ups and offer incentives to boast entrepreneurship and job creation. Startups have been the flavor of the season in the Indian markets over the last few years. This has resulted into the emergence of a number of home grown startups across in India. One of the major contributors leading to this development has been the mega funding. It has been ploughed into most of the firms between the period 2007 and 2015. This has been accrued in line with the global trend which is the dominating the space. Even the aspiring firms have had a decent run during this period, where managing to find investors is usually considered a huge task. Making big bets on Indian innovation has become a global point of interest. The Prime Minister, Narendra Modi, launched an ambitious program called Startup India Standup India. This was aimed at revolutionizing and accelerating the startup revolution in India, which is already witnessing strong traction. However the road to success is not as smooth as it appears to be. The Indian businesses are suffering from various problems such as the unorganized and fragmented Indian market, lack of clear and transparent policy initiatives, lack of infrastructure, lack of knowledge and exposure, complications in doing business, etc. the least now being identified as issues that need to be addressed. The framework and course of regulations need to be updated and adopted as per the changing times. It is the duty of the policy makers for right policy announcement to bring and brought up startups in India

PRODUCTIVITY EFFICIENCY OF RRBS IN SOUTHERN INDIA A COMPARATIVE STUDY OF PRE AND POST AMALGAMATION

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  • Abstract

    Service Industry is the lifeline for socio economic growth of the country. It is the largest and fastest growing industry contributing for the global output. Among the service industry, banks and other financial institutions plays significant role in the economic development of the nation. Even though the Banking is placing in global industry, banks are facing various challenges. In order to retain and sustain in market banks need to adopt various techniques along with they need to undergo efficiency analysis. The health of the economy is related with soundness of banking sector in the country. In order to survive in the changing competitive environment the banks should strengthened adequately by managing their existing available resources in efficient manner. The banking sector influences the economic growth in both qualitative and quantitative manner. The performance of banks may be assessed in terms of earnings level and the result reveals about the government policies how they are structured and their functions. Productivity can be assessed with the factors like employees, branches and etc. The present study is an attempt to know the impact of amalgamation on the productivity of RRBs working in southern India in terms of Employees and Branch. The study has measured and compared the Productivity Efficiency of RRBs during the period of Pre and Post amalgamation with the duration of twenty two years. The result indicates the process of amalgamation has impacted positively on the productivity of RRBs.

DIMENSION OF TRIBAL DEVELOPMENT LEARNING PROCESS AT GRASS ROOT LEVEL

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  • Abstract

    The presence of tribal ad non-tribal reflect heterogeneous character of India economy of the Indian economy, while the tribal represent the traditional, conservation and isolated group of people living in mounting and terrains, the nontribal represent the aspiration for faster change and modernization. The gap between these two groups of people has been expending ever since the development programmes have been implemented. The characteristics of the tribal economy are described as forest based. Family as a unit of production, consumption and patter of labour, periodical local market, and interdependence.

MANAGEMENT COMPETENCY DEVELOPMENT IN STUDENTS THROUGH HANDWRITING ANALYSIS & GRAPHOTHERAPY

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  • Abstract

    Management competencies have been defined, listed and enumerated by many organisations, educationists, HR professionals ad infinitum. On the other hand, educational institutions have been making efforts to develop and instill the competencies in the management students too. However, a new approach is suggested in this paper to actively attempt to change the attitudes / thinking and behavior of management students through handwriting analysis and graph therapy. Handwriting analysis is a science that has developed over the last century and is known to be quite effective in identifying the personality traits of an individual. Graph therapy extends this effort into proactively changing the handwriting and change behavior which in turn gets improved results in any field of activity, especially management.

CONSUMERS’ SATISFACTION TOWARDS TOILET SOAP IN KUMBAKONAM TOWN

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  • Abstract

    In the marketing field consumer behavior is considered as a decision because of the different situation. Consumer brand was changing and this research says about that psychology of the Kumbakonam people has been found using this research about toilet soap. A consumer requirement is pritorized in this work. Manufactures are interested increase their profit. In the urban there is different kind of bathing soap has been used and the people give importance to it. Isn’t a consumer give importance to their brand toilet soap has been trying to found. Because of this research there may be boon or bane. This research may be a path of manufacturers, consumer will cauterized the brand product and they prefer to select the product. There are selection of brand is based on radio and TV advertisement and pamphlets. Sample of 75 is chosen for this study by simple random sampling method. The main objective of the study is to find the customer satisfaction towards bathing soap. The framed hypotheses are validated through ANOVA. The findings of this study is based the research hypotheses.

EMERGING MARKETS AND MARKETING STRATEGIES

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  • Abstract

    This paper proposes a framework for conceptualizing gender-based marketing strategies in emerging markets. The framework considers the inter-relationships between brand personality, consumer personality, and family decision-making, all of which have been extensively discussed in the literature, but which have hitherto not been interlinked. The brand personality is measured through Aaker’s (1996) scale. The framework would provide an insight into the feasibility of marketing of products based on gender.

POLICYHOLDERS’ LIKING TOWARD MARKET LINKED INSURANCE PLANS

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  • Abstract

    To meet the varying needs of various individuals, the insurance players have a vast foray of products in their bouquet. Besides this, almost all companies offer the flexibility to customers to choose the most suitable product for sample respondents’ selves by combining features of a number of products together. Thus, it can be rightly said that Unit-linked insurance products (ULIPs) have become very popular in the Indian markets. This research article aims to analyze Policyholders’ liking market linked insurance plans popularly known as ULIPs in Coimbatore city. Study adopted convenience sampling techniques was adopted. The study was confined to Coimbatore city only. The population size of the study constitutes 500 respondents’ (i.e.125 sample respondents from each geographical region were collected) that make a sum of 500 respondents. At the end of data collection it was observed that 20 interview schedules did not provide enough information, so those 20 interview schedules were defected. Thus, the total sample respondents surveyed are 480 subjects. The study observed that 50.60 per cent of the sample households’ do not have enough awareness about the ULIP offered by various insurance companies based in India. On the contrary, 40.40 per cent of households have said that they gained moderate level of awareness about unit-linked insurance plans that offer both insurance and investment returns. On an average out of 480 surveyed, have opined that investment in An ULIP scheme gives them both risk cover and secure insurance investment.

CROWD AND QUEUE MANAGEMENT IN TEMPLES DURING LARGE SCALE RELIGIOUS GATHERINGS

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  • Abstract

    In this paper, we discuss the various challenges that face large scale one-time events hothat happen especially in religious places like temples. The focus of this article is to understand w Crowd Management in religious places differs from other type gatherings and discuss the role of Information Technology systems to handle the issues that come with such a setting. Specifically, we discuss the issues that arise due to overcrowding of places and how these issues can be resolved using Technological interventions coupled with better system design practices. The discussions in this paper will act as a best-practice reference for crowd and queue management in the times of Information Systems.

CONCEPTUAL OVERVIEW OF VARIOUS ELEMENTS OF PROMOTION MIX

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  • Abstract

    A highly competitive environment is forcing marketers to constantly use different marketing tools and strategies to retain existing customers and to win new clients and thereby increase their profitability. In the modern marketing, promotion is the most vital and familiar strategy used by the various business organizations to fascinate the customer. Promotion is communication by the marketer that informs, persuades and reminds potential buyers of a product in order to influence an opinion or elicit a response. This study reviews Promotion Mix refers to the blend of several promotional tools used by the business to create, maintain and increase the demand for goods and services. Promotional mix is a critical approach to enhance the sales that are why companies try to do some more attractive. The prime motive of the article is to review the significance of promotions mix elements like advertising, personal selling, public relations/Publicity, Direct marketing, Sale promotion. This study is designed to explore different school of thoughts of promotion and how Promotion Mix has the power to allow marketers to gain competitive advantage.

MOTIVATIONAL FACTORS OF SUCCESSFUL ENTREPRENEUR IN KNITTED GARMENT EXPORTERS IN TIRUPUR DISTRICT

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  • Abstract

    Entrepreneur is a human being, who conceives in his mind an industrial enterprise. For this purpose he provides considerable efforts for fructifying his dream. It is a purposeful penetrating action for initiating, promoting and managing the economic activity or activities for the production and distribution of wealth. There should be a person with a mind, heart and intention to combine them all and convert them into production or creation of goods and services wanted by the people. It is the entrepreneur who has to come forward to execute these activities related to production with the sole purpose of satisfying the customer. Entrepreneurship is an emerging field which has been evolved from a foundation in political economy, along with significant contributions from the fields of psychology and sociology. Entrepreneur will be operationally defined as an individual who creates a new venture. An entrepreneurial firm will be defined as either a new or an existing firm that embarks upon creating new and innovative products or services, presenting unique and valuable contributions of resources in an uncertain and ambiguous environment. Further entrepreneurship is defined as the process whereby individuals start and develop a new venture or business unit which include an entrepreneurial individual acquiring a franchise or an existing business or firm. The entrepreneurship is focused on three multidimensional constructs.

A REVIEW OF THE INDIAN TOURISM INDUSTRY

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  • Abstract

    Tourism refers to travelling outside one’s usual environment for recreational, leisure or business purposes. It is vital for any country as it generates employment, helps the country earn large foreign exchange, contributes to GDP among others. This study is a review of the Indian tourism industry. For the purpose of this research, survey was conducted from 182 respondents to understand the growth of tourism in India, type of tourism products promoted, the benefits of tourism, problems that hampers the tourism sector and measures undertaken to promote tourism in India. Findings indicate that leisure tourism is the most popular product of tourism. Additionally, most tourists undertake recreational activities, use local transportation services and eat at local restaurants while on a tour. Further, safety, connectivity of destination and cleanliness emerge as important factors that impact their experience; however, the respondents are not satisfied with these factors thus indicating areas of improvement. The government and the private sector have undertaken a number of initiatives such as M Visa, 100% FDI etc. for the growth of this sector.

STRUCTURE OF WORKING CAPITAL MANAGEMENT IN PHARMA COMPANIES – A SELECT STUDY

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  • Abstract

    Working Capital is the life blood of every business firm. Idle working capital indeed is very much needed for the firm to undertake its day to day activities. Inadequate working capital means shortage of inputs, whereas excess of it leads to extra cost. So, the quantum of working capital in every business firm should be neither more nor less than what is actually required. In modern times efficient management of working capital has come to be recognized as one of the basic functions of finance for successful conduct of business operations. It not only influences the profit-earning capacity of business undertakings but also determines largely, their scope and content of operation. The management of working capital is concerned with the management of the firm’s current accounts, which include currents assets and current liabilities. It is one of the most important facets of the firm’s overall financial management. Working capital sphere throws open a welcome challenge and an opportunity for the finance manager to play a key role for effective planning, controlling, directing and utilizing the working funds in an enterprise. Current assets are those which are used in the conduct of business operations of an enterprise and are held for short periods of time. In other words, they are defined as ‘those that are expected to be converted into cash within one year’. As stated there are basically five major items or current assets which are briefly explained as a prefix to the analysis of working capital structure in sample units.

USING DECOMPOSED THEORY OF PLANNED BEHAVIOUR TO PREDICT CUSTOMERS INTENTION TO ADOPT ISLAMIC HOME FINANCING

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  • Abstract

    The perceptions of customers towards Islamic banking and its products is not a new area of research in Islamic finance. However, the previous studies mainly used the theory of reasoned action (TRA) and theory of planned behaviour (TPB). This study deems it necessary to decompose the factors that can influence human behaviour into the relevant variables in Islamic finance. Due to it is comprehensiveness and influence on perception, the study used the decomposed theory of planned behaviour (DTPB) to examine the factors that can influence homebuyers’ intention to adopt Islamic home financing. A survey was conducted among 518 potential homebuyers in Nigeria, and the data were subjected to structural equation modelling. The study results revealed that attitude, subjective norms and perceived behavioural control influence the customer's intention to adopt Islamic home financing in Nigeria, while knowledge of Islamic finance and cost-benefit influence their attitude towards the intention. The DTPB can be used to understand customers’ intention to adopt Islamic financing products. This study offers bankers insight into important factors to market their products, and help lawmakers understand why they should promote Islamic finance.

EFFECTIVE CUSTOMER SATISFACTION PROVIDED BY KARUR VYSYA BANK

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  • Abstract

    Indian banking industry is one of the largest in the world. There has been a great surge in efficient customer services. Banking system occupies an important place in a Nations Economy. A Banking Institutions is indispensable in a modern society. The Karur vysya Bank plays a pivotal role in the economic development of a country and forms the core of the Money Market in an advanced country. Money lending has a long history in our society. In the early days, it was organised on an individual or family basis. There are several types of banks in India. At the apex is the Reserve Bank of India. It powers to regulate the entire system, print currency, extend loans to the Government and formulate credit policy. The liberalization, privatization and globalization has ushered the customer relationship management in banks. The process of globalization and our move towards global standards changed the perception of customer service, and the banking endeavor to serve the customer better, resulted in innovative banking services and products. Banks are looking for more and more interaction with customers to build customer relationship banking. The present paper focus on the impact of Karur Vysya bank providing the customer services.

PROSPECTS OF SILK INDUSTRY IN INDIA-AN ANALYSIS

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  • Abstract

    Silk industry is identified as a prospective earning sector in India. It is capable of creating employment as well as alleviating poverty for major portion of the population in the country especially in rural areas. India has huge prospect for developing this sector with proper aids and necessary supports of Government and nonGovernment organizations. There are some factors like access to finance, infrastructure, inconsistencies government policy and bureaucracy, environmental factors, access to modern technology, unfair competition, marketing problems and non-availability of raw matERIals locally etc. are making this industry pitiable. India is having the tremendous potential for silk production. Domestic and international market is considerably higher in its perspectives. Foreign exchange value is also good. More employment opportunities are available in modern time for rural women and men. Hence, against this backdrop an attempt is made in this paper to analyze the prospects of silk industry in India.

“TEACHER’S JOB SATISFACTION IN PRIVATE SCHOOLS”

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  • Abstract

    Job satisfaction is one of the most widely discussed issues in organizational behavior and Human Resource Management. In present study the researcher investigated the present level of job satisfaction among the private school teachers. In this research all most covered private schools in cheyyar town. The obtained data were analyzed based on the descriptive statistics using SPSS Version 16. Independent sample Chi-squire test has been used in this study to analyze the job satisfaction level among Gender and job satisfaction level among Monthly income of Private school teachers. The study revealed that there is no significant difference in the level of satisfaction of Gender and there is significant difference in the level of satisfaction of Monthly income. Furthermore, it was again revealed that there is no significant difference in the level of satisfaction of Private school teachers.

A STUDY ON EMPLOYEE’S AWARENESS OF E-BANKING SERVICES WITH SPECIAL REFERENCE TO SELECTED COMMERCIAL BANKS IN VILUPURAM DISTRICT

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  • Abstract

    E- Banking is such consistent towards all banking performance and covers the whole fright of knowledge initiatives that have occupied place in banking countryside. E- Banking refers to undertaking of banking transaction through protected internet applications. It is the provisions of information or services by a bank to its customers all the way through electronic devices. This electronic banking technology is eliminated all operating costs and established the new services rendered through the banks. This paper is the consider result of identifying employees awareness level towards e-banking and also the impact of employees of selected commercial banks in Vilupuram district. This study was covered wellknown that employee’s awareness on E-banking.

SOME REFLECTIONS ON THE IDEOLOGY OF COMMUNALISM

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  • Abstract

    Modernity as it has been embedded in the post-enlightenment epoch is visualised through the lens of French Revolution. The populism ignited empathetic rhetoric of French Revolution, Liberté, égalité, fraternité (liberty, equality, fraternity) echoes itself throughout in the creation of an idealized Modern World. The manifestation of these arbitrary terminologies coincided with the evolution of the idea of democratically elected government which is supposedly a government ‘of the people, by the people, and for the people’. This idea of the people’s will/mandate (Democracy) has attempted to give humanity the concept of choice; and it is on this bedrock, the idea of Secularism has been manifested.

ENVIRONMENTAL REFUGEES A HUMAN DIMENSION OF DEVELOPMENT AND ENVIRONMENTAL DEGRADATION

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  • Abstract

    Environmental degradation has created a new type of refugees known as the environmental refugees. Governments all over the world struggle to provide official status and official protection for these people. International law is yet to come up with an acceptable legal status for this group of people who are forced out of their living habitats due to environmental degradation. The article analyses the origin and extent of this serious issue and also brings out the need for a new definition of refugees so that it can accommodate environmental refugees

HEALTH STATUS AND HEALTH SEEKING BEHAVIOUR OF RURAL WOMEN IN CUDDALOREBLOCK, CUDDALORE DISTRICT

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  • Abstract

    Health status is multi-dimensional, in nature and difficult to measure precisely. Various indicators ranging from mortality to morbidity are used measure the health status of a woman. The available evidence on health indicators for India clearly point to the fact that there is a substantial improvement in the health status of the women. While mortality is a more reliable measure, many other indicators such as morbidity are subjective and influenced by perception and cultural factors.

A STUDY ON OCCUPATIONAL STRESS OF COLLEGE TEACHERS WITH SPECIAL REFERENCE TO KANCHIPURAM

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  • Abstract

    Education is the process of instructions and explanations aimed to develop the knowledge, skills, attitude or character of individuals for preparing them to live in a meaningful way. Teachers are most important group of professionals of a world’s future. But, it has been observed the over years that the teachers are more suffer from stress because dealing with students as per the instructions given by the management and caring for their better performance throughout the day is itself a stressful situation. College is considered a major source of stress in the lives of teachers. Occupational or Job stress is damaging physical and emotional responses that occur when job requirements do not match the employee’s capabilities, knowledge, skills, resources and needs and also the expectations of the employer. This has been recognized in teaching profession all over the world as a major challenge to individual mental and physical health and organizational health. This study analyses the various factors that are causing job or occupational stress under different conditions. Various steps can be taken by the organizations to reduce work stress and reduce its effects on the employees including their mental and physical health. The study was conducted on basis of interviews and questionnaires based on simple random sampling method. Various causes of work stress have been identified and handling these would be useful for the teachers as well as the management.

ROLE OF KUDUMBASHREE MISSION IN SOLVING PROBLEMS AMONG THE TRIBAL NEIGHBOURHOOD GROUP (NHGS) MEMBERS

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  • Abstract

    All over the world discussion are going on the financial inclusion and empowerment of the poor people and experimented different ways to empower deprived people especially women. Micro Finance and Self Help Groups (SHGs) are the best ways to reach the poor. Thrift and Credit mechanism is the greatest model for financial and social empowerment. Tribal are marginalised group in India. They have rich tradition and cultural values. But the pathetic situation is that almost all tribal are under poverty. Lot of questions have been raised regarding governance issue or structural change among the tribes. Many of the schemes are exclusively implemented for the Scheduled Tribes in India. The schemes have not touched the quality-oriented output. Kerala Government poverty alleviation project, Kudumbashree has been implemented different schemes among the Attappady tribes for their empowerment. The functioning of the Neighbourhood Groups (NHGs) is very supportive for tribes in Attappady. This paper tries analyses on the role of Kudumbashree Mission in solving the key issue of food insecurity, alcohol use, and conflict in family or community, isolation in family or community and lack of job among the tribes in Pudur Grama Panchayath in Attappady Block Panchayath, Manarakkad Taluk, Palakkad District of Kerala State.

WOMEN ENTREPRENEURSHIP IN TELANGANA CHALLENGES AND OPPORTUNITIES

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  • Abstract

    Women entrepreneurs have proved to be on par with their men counterparts in business, acumen and are emerging as smart and dynamic entrepreneurs. Women owned business are highly increasing in the economics of almost all countries. Women entrepreneur is a person who accept challenging role to meet her personal needs and become economically independent. The educated Indian women have to go a long way to achieve equal rights and position because traditions are deep rooted in Indian society where the sociological set up has been a male dominated one. Despite all the social hurdles, Indian women stand tall from the rest of the crowd and are applauded for their achievements in their respective field. Even though the government organizes women by various associations, they are not ready to undertake the business. It is observed that as compared to men, women are less motivated to start business units due to some unwanted fear, lack of motivation and kind of activities. Thus the study aims at undertaking the entrepreneurial development among women, highlights their motivational forces and their existing entrepreneurial traits.

Employees Perception on Health Measures at Tuticorin Thermal Power Station

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    The labour welfare today has become undecision able topic and it covers broad field. The term welfare suggests many ideas, meanings and connotations, such as the state of well being healthy, happieness, prosperity and the development of human resources. This research highlights the health measures followed in Tuticorin Thermal Power Station. The data was collected through questionnaire. To analyse the data the researcher used mean, standard deviation, t- test and ANOVA. Suggestions were provided for improving the overall facilities on health measures followed at Tuticorin Thermal Power Station.

A Study on the Problems Faced by Micro Entrepreneurs in Tirunelveli District

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    Entrepreneurship has an important role to play in the development of a country. It is one of the most important inputs in economic development. The number and competence of entrepreneurs affect the economic growth of the country. The present study was based on both primary and secondary data. Interview schedule was used to collect the primary data from the sample respondents. Primary data was collected from the micro entrepreneurs from the study area. The relevant secondary data were collected from the records and registers of various departments. The information available in the website was also collected for the study. Stratified random sampling method was adopted to obtain responses from the micro entrepreneurs. Thus, the researcher has stratified the sample respondents for the study by 50 entrepreneurs from urban area, 50 entrepreneurs from semi-urban area and 50 entrepreneurs from rural area. Hence, the data were collected from 150 micro entrepreneurs in Tirunelveli district. The present study concludes that there are many problems among the micro entrepreneurs. The important problems are financial, marketing, social and psychological problems. The degree of problems are varied among the entrepreneurs belong to different location of enterprises. The problems are higher among the entrepreneurs who belong to rural area. It is concluded that there is a significant relationship between financial problem and enterprise variables namely place of enterprise, sources of borrowings, type of property pledged and number of labours working.

INDIA’S NEW EDUCATION POLICY AND ECONOMIC GROWTH

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    India holds an important place in the global education system and it’s still a lot of potential for further development in the education system. The Indian government introduced a variety of programs to address the problems of illiteracy in both rural and urban. The first National Policy on Education was introduced by the prime minister of India Miss Indira Gandhi in 1968, which was called as "radical restructuring". The policy suggested for higher education reform as the number of students to be admitted to a college or university should be determined with reference to the laboratory, library and other facilities like research program’s and the strength of the staff for the available students. The government under the leadership of Prime Minister Rajiv Gandhi introduced a new National Policy on Education in May 1986. In this paper, we mainly focused on the causal relationship between higher education and economic growth in India. India will contribute nearly 140 million people in the collegegoing age group and one in every four graduates in the world will be a product of the Indian education system. Higher education increases the human capital inherent in the labour force, which increases labour productivity and transitional growth towards the equilibrium level of outputs and increase in GDP.

A Study on Measure Yield Gap, if Any in Unirrigated Maize Cultivation

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  • Abstract

    Maize is mostly grown under unirrigated conditions, while the level of production has to be raised to meet the growing demand for maize for human food, animal and poultry feed as well as for industrial processing by the wet and the dry millers to produce value-added products. Maize has got a significant place in the agricultural economy of Dindigul district. In this paper, an attempt is made to yield gap in respect of small and large farmers under unirrigated situations. The respondents of Maize cultivators has selected from Dindigul district of Tamil Nadu (300 samples). It is found that there exists structural difference between small and large farmers cultivating maize under unirrigated conditions in the study area. The small farmers were found to have a yield gap of 684.89 kgs. per acre. The large farmers had a yield gap of 470.48 kgs. of maize per acre in maize cultivation under unirrigated conditions. The maximum yield reported by the small farmers in the study area was 2400 kgs. of maize per acre. The average yield of the small farmers was calculated to be 1715.11 kgs. of maize pre acre. For the large farmers, the maximum yield obtained in the study area was 2300 kgs. of maize per acre and the average yield obtained was 1829.52 kgs of maize per acre. Thus, the small farmers have reported a larger yield gap of 684.89 kgs. per acre than that of the large farmers whose yield gap has been found to be 470.48 kgs. per acre in the study area.

A STUDY ON FACTORS INFLUENCE OF INTERNET BANKING SERVICES AMONG RURAL CUSTOMERS

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  • Abstract

    Internet banking provides alternatives for faster delivery of banking services to a wider range of consumers. Internet banking refers to the use of internet as a remote delivery channel for banking services. It means any user with a personal computer and a browser can get connected to his bank website to perform any of the banking functions. As the internet becomes more important for commerce, internet websites will take on a more central role in most companies' business plans. The success of internet banking is determined not only by banks or government support, but also by consumer' acceptance of it. Consumers are becoming increasingly discerning and have become more involved in their financial decisions. Banks can then use the resulting savings to reduce their loan interest rates or increase their deposit interest rates, attracting new customers without sacrificing earnings. As they ultimately decide on whether they will use internet banking based on their individual needs. If the service can clearly show the benefits and how they address customers’ needs, then customers are more likely to use internet banking. The goal of this research is to increase our current understanding of the critical factors that influence Internet banking in rural area of Salem District, Tamilnadu.

FACTORS INFLUENCING CAPITAL FLOWS TO DEVELOPING COUNTRIES (1960-2000)

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  • Abstract

    Cyclical conditions in industrial countries influence the capital flows to developing countries (emerging markets). The worse sentiments in the capital markets of the developed countries substantially limited the borrowing opportunities of developing countries in the last two months of 2000. The reduction in US interest rates and improving economic fundamentals will bring more capital flows to developing countries in future. It is evident from table 1 that the 1997 crises weakened the capital market flows to the developing countries Within the developing world, middleincome countries accounted for 97 percent of capital market financing.

A RELATIONSHIP BETWEEN E-HRM PRACTICES AND ORGANISATION EFFECTIVENESS

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  • Abstract

    Electronic human resource management (e-HRM) provides the information required to manage HR processes. These may be core employee database and payroll systems but can be extended to include such systems as e-recruitment, e-learning, performance management and reward system. The system may be web-based, enabling access to remote or online and at any time. This paper aims at finding out the relationship between the e-HRM practices and organization effectiveness in IT companies in Chennai city.

ADOPTION OF INTERNET BANKING SERVICES THE ROLE OF SERVICE QUALITY DIMENSION OF DEMOGRAPHIC VARIABLES

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  • Abstract

    Financial liberalization and technology revolution have given a lot of developments in the banking industry especially the speedy and efficient delivery of services and also introduced more innovative products and Services in banking industry. Banking institutions are facing competitions not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing. Another strategic challenge facing banking institutions today is the growing and changing needs and expectations of consumers. Consumers are becoming increasingly selective and have become more involved in their financial decisions. Internet banking provides huge benefits to banks in reducing cost, improved customer relationships and differentiating their offerings from competitors. Although the Internet banking services were introduced in India for more than a decade ago, the adoption among the bank customers are still very high now. This study aims to examine the factors that determine adoption intentions of customers to use Internet banking services in Kerala. The results confirm that the influence of digital banking among the people is tremendously high because of the trust and security which the banks offer. The confidence of users to use internet banking is trust and that took to the trust of the technological systems also. It’s again proved that the banking services are available in one touch.

Towards a Strategy of Sustainable Management of Urban Solid Waste: A Case Study

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  • Abstract

    The process of economic development leads to urbanization and this in turn leads to environmental waste pollution. Waste products are a natural and inevitable result of living, but the volume of wastes and their composition as well as the options for their disposal depends upon population, life style, technology and these have changed dramatically overtime. The management of solid waste is very essential for the sustainable growth of human civilization. This can be achieved by following the principle of the three RsReduction, Reuse, and Recycle. The present paper generates certain issues related to waste management.

AN EXPLORATORY STUDY OF FDI IN INDIAN RETAIL SECTOR

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  • Abstract

    A side from being a basic driver of monetary development foreign direct investment (FDI) is a noteworthy wellspring of non-obligation budgetary asset for the financial improvement of India. Outside organizations put resources into India to exploit moderately bring down wages, uncommon speculation benefits, for example, charge exceptions, and so forth. For a nation where remote speculations are being made, it additionally implies accomplishing specialized know-how and producing work.

Matrimonial Conflicts do not end with the Separation of Husband and Wife

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  • Abstract

    The concept of family court implies an integrated broad-based service to families in trouble. It stipulates that the family court structure should be such as to stabilize the marriage to preserve the family and where the marriage has broken down irretrievably, to dissolve it with maximum fairness and minimum bitterness, distress and humiliation. Thus, taking into account of all these considerations the Family Court Act, 1984 was enacted with a view to promote conciliation in and secure speedy settlement of disputes relating to marriage and family affairs and for matter connected therewith. At present, persons wanting to terminate the marriage have to go a number of courts. For separation, one has to go to civil court, for getting maintenance to a magistrate court which also deals with ordinary criminal cases. This is a most undesirable situation for a woman. In case some property dispute is involved, one has to go to another court. This is a time consuming and tiring process. The present system is not only illogical but leads to inefficiency and injustices.

E-COMMERCE IN KERALA

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  • Abstract

    E-Commerce is an inevitable fact in today’s business world. It shows an enormous growth in the last few years. It is very helpful for doing commercial activities anytime and anywhere. It provides the most convenient platform for doing business. Within a mouse click, the customers can make product comparison with its quality, features & price and can make best purchase decisions. Youth is the most vibrant group attracted in Indian E-Commerce. This study focuses on how much the youth is being adopted ecommerce in Kerala. Online sample survey method has been adopted in this study. 62 respondents having age group of 18- 23 with ecommerce experience has been selected as sample. It is found out that the most consumed item in ecommerce are mobile phones and accessories.

A Study of the role of E-Banking with reference to Household Budget Management

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  • Abstract

    Banking sector is undergoing a transformation because of the large scale integration of technology. E-banking is becoming more and more popular today. The advent of mobile banking has also opened doors for its customers to do easy and timeless transactions at 24 hours. This paper is an examination of whether e- banking facilities are influencing household budget. A randomly selected 50 households in Thrissur district have been used as sample for the study.

SUPPLY CHAIN BENEFITS IN RETAIL BUSINESS

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  • Abstract

    The Indian retail sector is highly fragmented, and the unorganized sector has around 13 million retail outlets that account for around 95- 96 per cent of the total Indian retail industry. Moreover, high consumer spending over the years by the young population (more than 31 per cent of the country is below 14 years) and sharp rise in disposable income are driving the Indian organized retail sector’s growth. Even small towns and cities are witnessing a major shift in consumer lifestyle and preferences and have thus emerged as attractive markets for retailers to expand their presence. Currently, organized retail is in a nascent stage of growth in India as it just has a 5.9 per cent share in the total Indian retail trade. However, in recent years, organized retailing has been growing at a robust rate due to rise in the number of shopping malls as well as in the number of organized retail formats. During this retail evolution in India, the supply chain has also seen significant activity. After all, Supply chain forms a major part of the sustenance of any retail venture. For the retail venture to flourish successfully, it should have an efficient and well-established supply chain. In the modern format, when all the other aspects of retailing have been discarded as being a differentiating factor, the role of supply chain has become even more important.

A STUDY ON EMPLOYEES PERCEIVED LEVEL OF ORGANISATIONAL CLIMATE OF CEMENT COMPANIES IN ARIYALUR DISTRICT

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  • Abstract

    Organizational Climate is about the perceptions of the climate and about absolute measures. The „Climate‟ may be regarded in absolute terms and measured by instruments, but is „felt‟ differently by individuals. The absolute climate may suit one person and not another. All organizational theoreticians and researchers unanimously agree that a social Climate is extremely important for the ultimate achievement of organizational goals. Organizational Climate though abstract in concept, is normally associated with job performance and job satisfaction and morale of the employee‟s climate.

OIL SEEDS PRODUCTION IN KARNATAKA STATE

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  • Abstract

    In Karnataka, soil and vegetation shows a varied feature with different kinds of soils spread in different regions. The weather in the state is dynamic; it changes from place to place owing to its altitude, topography and its distance from the sea. Geography of Karnataka states that Karnataka is the eighth largest state in India. The major crops grown are cereals, pulses, oilseeds and cash crops. The important oil seed crops in the state are ground nut, sunflower, safflower and sesamum. Cotton, sugarcane, coffee, tobacco and mulberry are the major commercial crops. The programme was designed to supplement the efforts of the State governments to increase the production and productivity of various oilseed crops (Deshpande, 2002). In the State, the area under oilseeds cultivation from 1992-93 to 2002-03 has gone down by almost 50 per cent. For instance, the share of oilseed cultivation was 25.64 per cent of the net sown area and it declined to 12.6 per cent in 2002-03. As the state of Karnataka covers second largest share of dry-land farming in India, emphasizing more on the conventional rain-fed cultivation like paddy is little preferred by the farmers, especially in the northern Karnataka. To understand the growth trend of oilseed production over the years in Karnataka. To assess the area, production and yield of oilseeds crop by different districts of Karnataka.

A STUDY ON ALIENATION OF PANJAMI LANDS IN TAMIL NADU

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  • Abstract

    The preamble of the Indian Constitution enjoins that justice, liberty, equality and fraternity shall be secured to all citizens. Justice shall cover social, economic and political spheres. Indians are entitled to liberty in terms of freedom of thought, expression and faith. The foundation of the concept of fraternity is dignity of the individual. But all these safeguards are deliberately denied to the 170 million Dalits of India. Rural India highly depends on natural resources and land plays a crucial factor in influencing the rural economy. Land is a means for empowerment. Land is wealth and source of livelihood. Land is the major factor of agrarian reform in India. Agrarian reform aims to ensure food sovereignty. India has developed poverty alleviation programs and agrarian reform programs.

A STUDY ON EMPLOYEE’S PERCEPTION AND SATISFACTION TOWARDS ABT MARUTI, COIMBATORE

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  • Abstract

    Employee perception is a factor that can make a huge difference in the quality of the workplace. When employees view the employer, their work, and their relationships within that workplace as being positive, there is a good chance the employee will be productive and remain with the employer for a long time. Negative perceptions of the company and the working environment can cause qualified employees to seek opportunities elsewhere. Some of the factors that can impact employee perception include how well the employer communicates with employees, the nature of the working conditions, the policies and procedures of the business in general, and how much trust and respect is present between managers, employees, and coworkers. In addition, the benefits paid and how they relate to the work assigned can also have a huge impact on the perception of an employee. The implication of these constant changes is that organizational members are expected to compete and survive in the dynamic business world. These changes affect other aspects of the organization’s functioning, such as organizational culture and organizational commitment. To determine how commitment is affected by the many changes such as increased global competition, reengineering and downsizing that occurring in the world of work. The focus of this study is to investigate the attitude and satisfaction of the employees working in ABT Maruti, Coimbatore.

HIGHER EDUCATIONAL VISION OF THE MUSLIM FEMALE STUDENTS IN KERALA PROBLEMS AND CONCERNS

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  • Abstract

    Education is the empowerment and freedom for excellence for the male society is obvious for the whole world. Notwithstanding, the role of education for the half of the population of the women folk is lagging behind. It is especially more concern when talks in the sense of women from marginalized sections of the society, their empowerment, status , position in the society and the role of education in the higher and other strata of the educational field. The present Scenario witnesses a decent number of women from marginalized sections are in the higher education. The scholarship or financial support of the family is like a catalyst in bringing the change in the status and position of women in society through the promotion of education. According to the 2011 census, Kerala holds first place in female literacy with 91.98%.The highest literacy rate of Kerala and the influence of gulf migrate, cover the reality regarding the higher educational status and the b conditions of Muslim women in North Malabar. The objective of this paper is to analyze the higher educational vision of Muslim female students in Kerala and also identify the problems of Muslim female students in the higher educational sector via the problem of dropout, reasons, and measures to eradicate it. The study is based on secondary sources, and it clearly reveals that women are kept backward from attaining higher education. This is mainly because of early marriage and low aspirations of youth towards higher education.

PERFORMANCE OF ISO CERTIFIED GRAM PANCHAYAT - A CASE STUDY ON PAPPARAMBAKKAM GRAM PANCHAYAT IN TAMIL NADU

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  • Abstract

    Good governance intends protection of human rights, maintaining rule of law, strengthening of democracy, promoting transparency and improving the capacity of administration. The responsiveness of the government and its institutions to the needs and aspirations of the people and inclusive development are imperative to good governance and participatory democracy. It focuses on the equality among people, right to participate in political developmental decision making and to live in dignity. Panchayat Raj is a system which paves ways and means towards achieving good governance. In the Country few panchayats were obtained ISO certification focusing on bringing eoffice which will gradually get transformed into online administration through paperless communication. The study documented the initiatives and effects of ISO certification on the services delivery in Papparambakkam Village Panchayat in Tamil Nadu.

Writing Skill for Social Work Students: Honing English Language through Innovative Inputs

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  • Abstract

    Stepping into college life is like a gradual transition towards increased connectivity to a new progressive environment. It is a pathway towards independent action and thought. Social work course prepares the student to be a professional at the completion of the degree. There are many theoretical inputs, methods and skills that are taught as part of the curriculum, all these together create a professional social worker. Among the various new learnings there is a new adaptability needs of honing of the communicative skills, through effective use of language, which is of paramount requirement to be an effective social worker. Majority of the students in India come from a diverse background and may not be at a comfortable level to express their innate potential in a second language. Therefore, arises the need to find ways and means of faster adaptability towards understanding and expressing in a language different than our mother tongue or the common language in use. The present research article is based on a qualitative study to understand the importance and the ways to enhance writing skills among social work students. The primary data were collected by interviews of alumnae social work student of a college in Delhi. This study would be of interest to social work students and professional wanting to enhance their reading and writing skills and be more effective at work.

ROLE OF GRAM PANCHAYATS IN INCLUSIVE DEVELOPMENT OF MARGINALIZED SECTIONS IN INDIA

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  • Abstract

    Economic and social inequalities are interlinked. The power structure is concentrated in the hands of the dominant castes, and people with political or muscle power. They dominate the activities of the village as well as their own community. These people control the flow of resources and technology coming from outside, and appropriate all the benefits meant for the weaker sections. The lower castes face constant discrimination in their day to day life. Among them the women are worst victims. Without any asset base, and several social disabilities, they are unable to sustain any economic activity, and have to depend on others for means of livelihood.

ISOLATED AND COMBINED EFFECTS OF YOGIC PRACTICES AND AEROBIC EXERCISE ON PASSING AMONG COLLEGE WOMEN BASKETBALL PLAYERS

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  • Abstract

    To achieve the purpose of this study the investigator selected sixty college women Basketball players from affiliated colleges of University of Madras, Chennai, Tamilnadu. The subjects were selected randomly and their age was ranged from 18 to 21 years. They were assigned into four groups of which one group served as yogic practice group, second group served as aerobic exercises group, third group served as combined yogic practices and aerobic exercises group and the fourth group acted as control group. The experimental groups participated their respective training programmes for period of six weeks and the control group was not given any training except of their routine. The selected subjects were measured of their passing by Johnson basketball test before and after the training period of six weeks. The differences between the initial and final scores of Passing were subjected to statistical treatment using Analysis of Covariance (ANCOVA). The results of this study proved that comparing with control group the experimental group’s significantly improved passing. The results further revealed that comparing with other groups combined group significantly Improved passing. It was concluded that combined group was better than Yogic practices group, aerobic exercises group and control group.

A STUDY ON THE PERFORMANCE EVALUATION OF “NELLAI AAVIN” MILK PRODUCER’S CO-OPERATIVE SOCIETIES

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  • Abstract

    Tirunelveli district is basically agro based and agriculture is the main occupation of the people. It is situated on the banks of the River Tamirabarani. It offers vast scope for dairy farming, which is spearheaded by the Milk Producer’s Co-operative Societies, which is popularly known as “Nellai Aavin” one of the largest dairies in the southern part of Tamilnadu. There are several studies relating to production and marketing of milk. But no single study has made an analysis of performance evaluation of “Nellai Aavin” Milk Producer’s Co-operative Societies. It is necessary to study performance of “Nellai Aavin” Milk Producer’s Co-operative Societies. Hence, the present study is undertaken to analyze the gross profit and net profit. The design of the study is based on financial data, which are published. The researcher personally collected all necessary data with the help of officials in the “Nellai Aavin” “Milk Producer’s Co-operative Societies” in the study area. It is concluded that the overall performance on gross profit earned by the “Nellai Aavin” “Milk Producer’s Co-operative Societies is growing in an increasing trend. It is further concluded that the overall performance on net profit/loss earned by the “Nellai Aavin” “Milk Producer’s Co-operative Societies shows an increasing trend. It is concluded that the role of “Nellai Aavin” “Milk Producer’s Co-operative Societies in Tirunelveli district has a significant role in promoting the economic development of members through employment in dairy farming, members’ contribution to family income, savings and holding of asset position.

CORPORATE SOCIAL RESPONSIBILITY – THE INDIAN TREND

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  • Abstract

    The Corporate Social Responsibility (CSR) concept is a significant improvement upon the traditional view of corporation. Traditionally, the corporation’s primary responsibility is towards its owners or shareholders. CSR concept gives an additional responsibility to corporates. It requires organizations to adopt a broader view of its responsibilities that includes not only stockholders but many other constituencies including employees, suppliers, customers, the local community, local state and federal governments, environmental groups and other special interest groups. Collectively, the various groups affected by the actions of an organization are called “Stakeholders”.

WOMEN EMPOWERMENT THE ROLE OF MICROFINANCE IN INDIA

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  • Abstract

    The concept of women’s empowerment in the social, political, and economic order as a prerequisite of human development is hardly given the priority that it deserves. The welfare approach introduced in the 1950s and followed through the 1950s may be considered the earliest policy approach concerned with women in developing countries. This approach to women focuses mainly on their productive role, on the basis that poverty alleviation and the promotion of balanced economic growth require the increased productivity of women in low-income households. Microfinance could be a solution to help them to extend small loans to run their micro enterprises. Women in rural India who were living in stark poverty have been able to change their lives, enhance their levels of income and could empower themselves with the help of microfinance given through SHGs. The benefits are not merely economic; they have also helped the women gain qualities of leadership, attain self confidence, economic self-sufficiency, self respect and concentrates on capacity building among women. The women undergo training programmes and discuss various issues that concern them and their village. Microfinance can primarily strengthen political empowerment through two mechanisms.

PERFORMANCE OF INDIAN BANKING SECTOR CHALLENGES AND OPPORTUNITIES

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  • Abstract

    Efficiency and profitability of the banking sector in India has assumed primal importance due to intense competition, greater customer demands and changing banking reforms. This study attempts to measure the relative performance of Indian banks. The performance of the banking sector is more closely linked to the economy than perhaps that of any other sector. The growth of the Indian economy is estimated to have slowed down significantly. The study observed that the credit growth in India has seen a declining trend over the last three years due to decline in economic activity leading to moderation in industrial output, leveraged corporate balance sheets and low capital expenditure (CAPEX) plans resulting in decline in credit demand and asset quality overhang making banks cautious in lending. It found that the key to increase profitability is increase productivity. For this we have recommended some suggestions to tackle the challenges faced by the banks particularly public sector banks.

QUALITY OF WORK-LIFE OF WOMEN EMPLOYEES IN INFORMATION TECHNOLOGY INDUSTRY

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  • Abstract

    The focus of this paper concerns a study of the quality of life for the employees at work in the Information Technology companies. The quality of work life (QWL) is a wide term covering an immense variety of programme, Techniques, theories and the management style through which organization and jobs are designed so as grant employees more responsibility and authority than is usually done. A high quality of work life is essential for the organization to continue, to attract and retain employees. The aim of this paper is to determine the factors affecting quality of work life of the employees in the Information Technology (IT) companies and to study the relationship between the satisfaction and performance level with the quality of work life (QWL). In the present study the investigator has chosen the Information Technology (IT) companies in and around of Chennai, based on the questionnaire with the employees in the organization, a pilot study was conducted in the total sample (N=30 ). The factor contribute to quality of work life includes Work relate pressure, Leadership, Management Policies, Job security, Inter- personal relation.

RECENT TREND E- BANKING INNOVATIVE BANKING PRACTICES OVERALL TAMILNADU

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  • Abstract

    Day after Day, India is still in the near the beginning stages of Banking growth and development. The changes in technology and lifestyle in the last 10 years have changed the face of Banking. This study aims to identify the important determinants of ATM, NEFT, Mobile Banking RTGS, particularly with respect to Internet. The different technology SEM models are discussed thoroughly in the literature review to explain the various stages. This research work aims at investigating the technology acceptance with SEM model. This research extended the SEM model to account for the online behavior. A restrict research methodology was used to test both original and developed hypotheses, the results show that quality and effort expectancy. Discussion, conclusion, and further research area are provided based on the results of the research.

ROLE OF INFORMATION TECHNOLOGY IN COMMERCIAL BANKING SECTOR IN INDIA

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  • Abstract

    Banking environment has become highly competitive today. To be able to survive and grow in the changing market environment banks are going for the latest technologies, which is being perceived as an ‘enabling resource’ that can help in developing learner and more flexible structure that can respond quickly to the dynamics of a fast changing market scenario. It is also viewed as an instrument of cost reduction and effective communication with people and institutions associated with the banking business. Commercial Banking sector plays a very important role in India. With the use of technology there had been an increase in penetration, productivity and efficiency. It has not only increased the cost effectiveness but also has helped in making small value transactions viable. It also enhances choices, creates new markets, and improves productivity and efficiency. Commercial Banks in India are now becoming a one-stop Supermarket. The focus is shifting from mass banking to class banking with the introduction of value added and customized products. Technology allows banks to create what looks like a branch in a business building‘s lobby without having to hire manpower for manual operations. The branches are running on the concept of 24 X 7 working, made possible by the use of Tele banking, ATMs, Internet banking, Mobile banking and E-banking. 

A STUDY ON ORGANIZATIONAL CLIMATE AND JOB PERFORMANCE OF FACULTY MEMBERS IN BUSINESS SCHOOLS IN TAMIL NADU

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  • Abstract

    Organizational climate is the thoughts and feelings of employees towards their organization which has great influence on their working means and contributions and it affects the performance of the employees in any kind of organization. The faculty members with high quality, adoptability to changes, team work, high level of motivation, involvement with professional values and open to personal growth compose the most crucial resources of business schools. The results indicate that there is significant difference between socioeconomic status of faculty members and organizational climate in business schools. The organizational climate dimensions of work environment, respect, innovation, motivation and reward are moderately and positively correlated with job performance of faculty members of business schools. To improve organizational climate in business schools, business schools must have adequate innovative plans for future development and methods of working should change very quickly to meet new conditions. The senior faculty members in the business schools should help junior faculty members to perform their job well and the business schools must improve the self image and provide opportunities for personal growth and development of their faculty members.

DIGITAL PAYMENTS ROLE IN INDIAN ECONOMY

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  • Abstract

    Today India faces one of the foremost challenge is financial inclusion. As of 2014 approximately 53% India’s population has access to formal financial services. Since then the Govt of India has step into taken several initiative’s which are significant towards including a greater percentage of India’s population within the umbrella of formal financial services. In this regard, the most notable initiative being PMJDY has undertaken a commendable task of opening 25.68 crores bank accounts approximately. The present study was asses to digital payments role in Indian economy and based on the Findings, the paper provides several recommendations and managerial insights which are believed to alleviate the exclusion problem in Indian Scenario.

WORKING MECHNAISM OF GOODS AND SERVICE TAX NETWORK

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  • Abstract

     The introduction of the Goods and Services Tax (GST) is a very significant step in the field of indirect tax reforms in India. By amalgamating a large number of Central and State taxes into a single tax, GST will mitigate ill effects of cascading or double taxation in a major way and pave the way for a common national market. From the consumer‟s point of view, the biggest advantage would be in terms of reduction in the overall tax burden on goods, which is currently estimated to be around 25%-30%. It would also imply that the actual burden of indirect taxes on goods and services would be much more transparent to the consumer.

SOCIAL MEDIA AND ITS IMPACT ON CONSUMER BEHAVIOR

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  • Abstract

    Social media have become a platform for corporations and consumers to interact with each other in a coherent way. The impact of social media on consumer behavior has been enormous. Consumers began using more online sources today. Technology gives consumer the power to investigate products to tag them and assess them in equal measure, and more. Today, consumers are involved in a variety of activities, ranging from consuming content to participating in discussions, sharing knowledge with other consumers, and contributing to other consumers' activities. Therefore many companies today have pages on social networks to complement the information held about products, held by the feedback of consumers about products and tend to relate more to a company after reading reviews. It is clear that now day, social media components have got an attention to consumer markets. Therefore, this paper presents influence of social media, social media websites have become an information resource for customers, the change of consumer behavior, how to become social, how Companies can create a strong social media presence and impact of social media on consumer behaviour.

IMPACT OF FINANCIAL INCLUSION ON THE ECONOMIC EMPOWERMENT OF RURAL WOMEN OF KERALA AND TAMIL NADU

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  • Abstract

    Lack of access to productive resources, lack of skills due to lower levels of literacy and formal education, lack of access to labour as a result of norms of gender hierarchy and separation and lack of access to markets along with heavy dependence on informal sector lending, left the poor especially the women folk at a disadvantage. The provision of sustainable access to financial services, now known as Financial inclusion for women therefore, became the centre of attention of governments, social partners, civil society organizations, international donors. that led to the innovation of microfinance mechanisms. The present study is an attempt to assess the Impactquality, efficacy, and value of Microfinance programme, as it is currently carried out, to monitor the ongoing process and to examine to what extent Microfinance has led to Saving Mentality in rural women of Kerala and Tamil Nadu leading to economic upliftment and empowerment.

RURAL CONSUMER BEHAVIOUR AND PURCHASE DECISION- A STUDY ON SELECT DURABLE PRODUCTS IN PALACODE

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  • Abstract

    Consumer behavior is centre of the modern marketing, understanding his behavior is quite essential for efficient and effective marketing management. The consumer behavior suggest how individual, groups and organization select, buy, use and dispose of goods, services, ideas or experience to satisfy their needs and wants. Consumer needs and preferences are continuously changing given the changes in factors like demographics and lifestyles. Rural areas are scattered and it is next to impossible to ensure the availability of a brand all over the country. The present study is an attempt to examine the purchase motivators (viz; Item of necessity, symbol of social status, marketing influence, brand reputation) for television, washing machine and refrigerator in the rural areas of Palacode Taluk. All the products are integral part of their homes. This study is helpful to the manufactures to identity the consumer perception, beliefs, and behavior for improving them to introduce new strategies and increase in sales. Present paper discusses about how to find the modern way for marketing implementation and value addition.

IMPACT ON GST IN INDIA OF COMMON MAN

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  • Abstract

    GST is one of the most crucial tax reforms in India which has been long pending. It was supposed to be implemented from April 2010, but due to political issues and conflicting interests of various stakeholders it is still pending. Goods and Service Tax is a comprehensive tax levy on manufacture, sale and consumption of goods and services. GST is termed as biggest tax reform In Indian Tax Structure. It will not be an additional tax, it will include central excise duty, service tax additional duties of customers at the central level, VAT, central sales tax, entertainment tax, octroi, state surcharge, luxury tax, lottery tax and other surcharge on supply of goods and services. The purpose of GST is to replace all these taxes with single comprehensive tax, bringing it all under single umbrella. The purpose is to eliminate tax on tax. This paper presents an overview of GST concept, explains its features along with its timeline of implementation in India. The paper is more focused Impact of GST and challenges faced by India in execution.

PATANJALI BRAND SUCCESS OR FAILURE A SPECIAL REFERENCE TO KUMBAKONAM AREA TAMIL NADU

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  • Abstract

    The word Brand is derived from the word ‘Brander ‘which means to burn while a product is a physical entity that lives in the real world, a brand is a perceptual entity that lives in the consumer’s mind. Patanjali Ayurved Kendra Ltd was founded by Swami Ramdev and Acharya Balakrishna on September 27th, 2007. It started its operation in Katmandu, Nepal to provide holistic, natural and effective ayurvedic treatment. From animal trail to human trail, there will be an intense process of research. Any medicine will be first tested in the laboratory, then it will be used on rats and rabbits and after their successful use of animals it will be used on humans. They feel that the Patanjali brand is natural, environmental friendly, health friendly, produced with latest technology and most important it is Indian brand. All class of people is being succinct by the Patanjali Brand Irrespective of their deeds because of having a higher grade quality hand with hand in pricing also. A well connected marketing is their memorably for their success

A STUDY ON THE APPLICATION OF TECHNOLOGY IN BUSINESS OF THE WOMEN ENTREPRENEURS

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  • Abstract

    As technology speeds up lives, all women entrepreneurs are connected together in social media and they have communicated all their business related matters through a mobile phone, whatsapp, facebook, hike etc., even they are promoting, advertising their products through social networks. The study focused on the difficulties faced by the women entrepreneurs in different stages of their business. This study further analyzed the technology and their usage for the development of women entrepreneurs business. Women entrepreneurs are facing lot of difficulties in the business. To overcome the problems they have to be confident, have a clear cut goal to their business, get awareness from various banks, government and non-government organization and approach them for financial or other training purpose is really a good thing to come out of difficulties. Majority of the women entrepreneurs are believed that websites, online services, and mobile phone applications are useful for business purpose.

PERFORMANCE OF GENERAL INSURANCE COMPANIES IN INDIA (2012-2017)

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  • Abstract

    The insurance business supports much business. It allows a company to embrace risks and concentrate completely on its growth all the while being rest assured that there are Insurance companies to take care of adversities. Growth of Insurance Industry in a country directly points out to the fact that people have belief in the Insurance business model and that they are ready to undertake more riskier business propositions.

FINANCIAL INCLUSION THROUGH BANKING SERVICES WITH SPECIAL REFERENCE TO RURAL POPULATION IN CHEYYAR TALUK

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  • Abstract

    Financial Inclusion (FI) plays a very vital role in the growth of Indian Economy. Financial inclusion is the delivery of financial services at affordable costs to various sections of the society. It is an essential tool through which goals like sustainable economic development, social development, and empowerment of underprivileged can be achieved. Financial inclusion educates the vulnerable groups of the population as financial literate. This study focuses on the level of awareness on financial inclusion through banking services among the rural people. This study has been conducted in select rural areas in Cheyyar Taluk. Primary data were collected through structured interview schedule. The required secondary data were through E-Journals, articles and books. Convenience sampling method is used for the study. Percentage Analysis, ANOVA, Chi-Square, Cronbach's Alpha, and Factor Analysis are the statistical tools applied to interpret the results. The research has revealed that there is limited access to banking services and loan facilities in the rural areas. The study has also concluded that the level of awareness should be increased, to have more access in baking services and to avoid the dependability on access to ATM’s, internet banking and to filling up of the bank forms

IMPACT OF DEMONETIZATION TOWARDS DIGITAL PAYMENT IN RURAL AREA WITH REFERENCE TO PANRUTI TALUK

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  • Abstract

    Demonetization is the act of stripping a currency unit of its status as legal tender. In 2016, the Indian government decided to demonetize the 500- and 1000- rupee notes, the two biggest denominations in its currency system; these notes accounted for 86% of the country’s circulating cash. Digital Payment is a means of making payments over an electronic network such as the Internet. The Statement of problem is in demonetization, peoples are affected to transact their payment. The objectives are to study the impact of demonetization on Digital Payment and analyzing the factors influencing in Digital Payment. In demonetization, Majority of users are had neutral opinion about digital payment.

ANTECEDENTS OF EMPLOYEE ENGAGEMENT IN PUBLIC AND PRIVATE SECTOR COMPANIES

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  • Abstract

    Employee engagement and its antecedents have been vigorously discussed in the academic literature over the years; however its differential effect in the public and private sector companies is yet to be deliberated from an organizational perspective. However employees are the major contributors and beneficiaries of the society it is imperative to study the attributes of employee engagement which is a multi faceted concept. Incorporating the theoretical underpinnings from the theories of leadership and theories of motivation, the study identified the most important drivers of employee engagement and their importance in public versus private sector companies in Kerala that restore retain and remains the human capitals within their organization. The hypothesis postulated, analysed the positive impact of antecedents on employee engagement by using a psychometric questionnaire. A total of 800 sample respondents were considered for the study from the manufacturing and service sector companies in Kerala. The results showed that there is a positive impact of antecedents on employee engagement.

A STUDY ON CUSTOMER ATTITUDE TOWARDS PANDIAN GRAMA BANK IN MADURAI