Women’s are occupying first role in training. And in employment additionally they're preserving their first role. In widespread they're vulnerable in physical. In gift scenario, the women’s are in the main labored in colleges however they're now no longer happy with their process due to a few issues.

Emotional intelligence essentially describes the capacity to mix feelings and reasoning effectively, the usage of feelings to sell rational questioning and reasoning approximately feelings. This studies specializes in how emotional intelligence impacts thejob overall performance of the personnel withinside the banking enterprise in Chennai town. Self-recognition, self-control, social recognition, and social talents had been the scale of emotional intelligence. The information had been accumulated thru scheduled questionnaire; information became accumulated from a snug pattern length of a hundred personnel withinside the Chennai banking enterprise. The studies became primarily based totally on descriptive and inferential statistics. Findings of the examine believe in advance research which guide the belief that emotional intelligence is associated with the process overall performance of the personnel running in banking enterprise.

The important objective of effective safety programs in an organization is to safeguard work – related injuries and accidents. Effective safety management includes safety problems, accidents employees and technology in the organizational setting. The role of human beings should also overview the safety related problems. Safety efforts will not be successful if we try to engineer machines without paying concentration to behavioral reactions of employees. Safety policy must be formulated and implemented in every factory. To decrease accidents and injuries in the workplace is the main objective.

            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.

Tamil Nadu is the one of the foremost state in providing financial services. In India all the banks provides fundamental banking services such as accepting deposits and lending loans to needy people. This paper attempts to analyze profitability and liquidity position of Tamilnadu Based private sector banks. These Private sector banks form major part of total banking system in India, so there is a need to evaluate the liquidity and profitability of these banks. This paper is primarily based on secondary data. The present paper will make an attempt to explore and understand the factors influencing the liquidity and profitability of Tamilnadu based private sector banks. In order to derive the open handed results from the information collected through secondary data, various statistical tools like mean, standard deviation and F value analysis have been accomplished. The scope of the paper is restricted to selected private sector banks data period from 2009-2018. The study finds that the liquidity position of Tamilnadu based private sector banks KVB, TMB, CUB and LVB are high as compared to the other commercial banks but these banks should also take care of their profitability as high liquidity might have adverse effect on the long term investment of these banks and also the research concluded that to maintain sufficient balance between liquidity and profitability to enhance their solvency level.

Mobile gadgets with restrained interplay controls frequently rent cyclic scrolling for retrieval tasks. In this paper the scrolling behaviour of customers coming into textual content the usage of a tree-key enter approach primarily based totally on two-section cyclic individual scrolling is studied. The effects display that customers will be inclined to scroll greater from left-to-proper than from proper-to-left. However, customers do additionally use the proper-to-left capability to each accelerates their textual content access mission with the aid of using deciding on the shortest route and to make navigational corrections, suggesting that it’s miles suitable to offer bidirectional scrolling capability in consumer interfaces on restricted cellular gadgets. In conditions wherein a tool architect is restricted to imparting handiest unidirectional scrolling, the effects advise that a proper-directional layout is desired over a left directional layout

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.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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

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

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.

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.

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.

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.

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.

Square is as old as human progress itself, returning to old Mesopotamia around 500 BC. The thick soil and mud spared by the Tigris and Euphrates streams were supported with straw and shaped into block by then dried in the sun. The Objective of the appraisal is to consider the Health Problems looked by Brick broiler workers. Clear examination framework has been used for this evaluation. Solace testing strategy was used to gather the data. The size of the model is 70. The essential data was accumulated through survey from the respondents of Dharmapuri District. For segregating the basic data, genuine contraptions, for instance, T.test, One Way ANOVA and Factor Analysis were used with the help of SPSS Software, The colossal finding of the evaluation is there is no gigantic partition between Health Problems and the Demographic components, Age, Gender, Educational Qualification, Occupation and Income are similarly influencing the Brick broiler workers in Dharmapuri District.

In the Banking Industry, it has been in the form of E-Services, which is now replacing the traditional banking practice. E-Service has a lot of benefits which add value to customers‟ satisfaction in terms of better quality of service offerings. EServices can be done both online and offline. Examples of E-Services are viewing of account summary, overdraft details, transactions details, etc through online and deposit account opening, deposit amend/renewal through offline. E-Services are considered important for the reasons of accessing a greater customer base, alternative communication channel to customers and to increase services to customers. It is very convenient and has become a great comfort for busy customers. However the banks are digitalizing their services and providing better E-Services to their customers, there is lack of complete digitalization because of some illiterate customers.

Exploitation means „selfish use of other‟s property‟. The Women workers are exploited by owner of readymade garmentworks. This study deals with the demand and supply factors involved in the employment of women, of the women readymade workers, problems and exploitation of women workers of readymade garmentworks. With all the evidences, summarized, it is concluded that the conditions of readymade garment women workers‟ households have to be improved. It is to be noted that the suggestions, if implemented effectively will yield the desired results and solve the readymade garment women workers‟ problems.

Climate change is due to natural and manmade causes. Deforestation is main cause of climate change due to human activities. On the other hand earthquakes and volcanic eruption are natural causes of climate change. It is not important to trace the causes of climate change rather to consider its impact on human being and his source of livelihood i.e. agriculture. Agriculture is the backbone of Indian rural population. Therefore, Mahatma Gandhi has said very rightly that the “Future of India lies in its villages” further he argued that “If the villages perish, India will perish too”. In other words sound development of the country may be possible after development of villages. It is true that the urbanization is responsible to provide assured jobs.

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.

Amidst the concordant collision of globalization and the proliferation of the lingua franca, it is impossible to envision life without Information and Communication Technology (ICT), so ubiquitous and obligatory in the 21st century. To stay advanced with the existing trend of the world, all the instructive organizations have blended ICT progression with English acquisition, the indispensable proficiency aptitudes of our time, into their day by day tasks, in management as well as in educating and learning to arrive at their instructive objectives, to better prepare the current generation of students for a work spot where ICTs, particularly the web and related modernizations are turning out to be increasingly universal. In actual fact, it would be unfeasible for engineering institutions to apprehend its visualization of being the leading academic grounds of pre-eminence on the planet, if Teaching and Learning Process (TLP) is not firmly anchored on maneuvering technology.

Hindustan Unilever Ltd. is the market leader in Indian consumer products with presence in over 20 consumer categories such as soaps, tea, detergents and shampoos amongst others with over 700 million Indian consumers using its products. The company has a distribution channel of 6.3 million oulets and owns 35major Indian brands. This study entitled a study on consumer preference for Hindustan Unilever Ltd. Products in Thoothukudi Taluk, Thoothukudi District. This study reveals that most of the respondents of Thoothukudi taluk are aware of many popular brands of products. They feel that Hindustan products brand name tells them something about product quality, utility, technology and the like. The manufacturer’s pursuit for excellence has brought competing designs and models into the world of Hindustan products. Their ventures in the field of advertisements have strongly influenced the customers regarding the excellence of Hindustan products. Thus the researcher concluded that advertisements have played a vital role in motivating the respondents of Hindustan products.

One of the most important sectors for contributing to the economy of the Nation is the Agriculture. Near about 1300 million of the total population especially in the rural side of India is mainly depending upon the agriculture. But recently in most of the research studies, there exist a debate about the failures in the policy framed in this sector and the status also confirmed with the GDP growth in Agriculture which was found very low when comparing to other sector especially industries and services. Even the sharing of workforce in this sector and the net state domestic product (NSDP) was also drastically reduced over the previous decade. Hence it is necessary for the policy makers to tackle the issues so as to give life to the agriculture sector by making necessary amendments in the existing policies. Taking this issue as a core for this study, the researcher has discussed various parameters for improving the performance of the sector and concluded that the change in the structure of agriculture was quite significant and gets reflected in many other indicators too for uplifting the sector in the international level business.

The market all through the latest 20 years had an excellent change in the way customers purchase the things. Business to purchaser web business coordinated through the arrangement of web-shopping gives an all-encompassing opportunity to associations to make a mentally and stunningly rich shopping environment in habits not instantly imitable in the no electronic shopping world. Electronic shopping is a cycle whereby buyers clearly buy items, organizations, etc from a seller without center individual organization over the web. Online stores are for the most part available 24 hours consistently and various purchasers have web access both at work and at home. So it is incredibly invaluable for customers to shop on the web. Possibly the most appealing factors about electronic shopping is it mitigates a need to hold on in long lines or search from a store for something particular

This paper deals with Rajiv Aarogyasri 's success on rural healthcare in Telangana with special reference to Warangal district. This paper is divided into three parts. Section-I deals with Rajiv Aarogyasri 's conceptualization and critical features. Section-II discusses priorities and strategies. Study results and conclusions were summarised in Section-III. The research is based on the following objectives: to examine the value of Rajiv Aarogyasri Scheme in general, and the study area in particular; and to evaluate Rajiv Aarogyasri's impact on rural health care in the study area. The present paper draws mainly data from primary and secondary sources.

An MF (Mutual Fund) achievement depends on investor awareness and self-confidence. Investment trends vary with age, education, gender, etc. The current study is conducted to determine investors' consciousness level. Every day, the stock market flatters more competitively, and so the availability of varied stock instruments must be matched with investors' demand prospects. Any investment's primary drive is to encourage maximum return with minimal risk, and mutual funds give investors a chance. The analysis offers insight into the types of risks in an open-end fund system. The data was also obtained from open-end fund investors as non-open-end fund investors. The research focuses on the link between investment decision, liquidity, financial understanding, and demographics. Low-risk funds and liquidity of the investment scheme were found to influence the investor’s view of investing in the open-end fund. The research was conducted in Eastern Province – Saudi Arabia with a sample of 60 respondents who never invested in Mutual Funds. The study observed low mutual fund awareness among investors.

As a corollary to this globalized Industrial revolution, the professional education has been in the chore of levering its scheme from classical to brand new with a contemporaneous change in quality assertion predominantly in terms of goals and outcomes rather than inputs and processes. When corporatists believe that education should be measured by individual students’ achievement, the UGC has made it clear that Outcome-based education (OBE) should henceforth be implemented in a systematic manner in tertiary education courses in all institutions and would have the autonomy to develop their own framework, because of its revelation for all education programmes in colossal values such as pointing up on what area do the students focus, how excel do they gain it and how the assessor knows that the students are trained well, for their life application. The key fact of OBE is totality of Quality management in Education scrupulously depends on Quality Outcomes.

In the real world, authentication is the developers' challenge. Since attackers came up with the new security updates, created by software developers. There are so many ways to secure our mobile device, such as third-party apps, blocking unknown users, authenticating approved users, detecting unauthorised users who request permission from mobile devices without user knowledge. The attackers build the third-party framework, which was released online. Attackers exchange links to targeted mobile devices via social media, SMS, in various ways. When we instal the programme on our mobile device, they immediately gain access to that device. Intelligence-based decision-making helps resolve unauthorised access on our mobile device. Now-a-days Artificial Intelligence will play a key role in different applications , making our jobs effectively and efficiently by eliminating manpower in most industries. In this study, we improve artificial intelligence information for mobile device authentication.

Retailing is an activity which is directly related to the sale of goods and services to the intended consumer for their personal use. Retailer‟s business is normally local in character and they sell goods in small quantity to satisfy the unlimited wants of the consumers. A retailer is the last middlemen in the channel of distribution, from the manufacturer to the ultimate consumer. Retailing has now become an important activity in all modern societies. Retailers are the persons who are directly linked with the consumers, and therefore able to know the actual pulse of the market and able to identify strategies that are vital for the success of business. Thus, in this study a serious attempt has been made to know the effectiveness of retail marketing special reference to Chavakkad Taluk of Thrissur district. By adopting convenient sampling, feedback obtained from 50 respondents. The collected data are analyzed using statistical tools and techniques such as percentage, mean, standard deviation and ranking method.

Corporate environmental disclosure is a process of providing information on different types of environmental pollution, responsibility and measures taken to environmental protection by the companies to the stakeholders. The research is an attempt to find out the pattern of environmental disclosure as well as identify the relationship between environmental disclosure and corporate characteristics using secondary sources of data collected through content analysis of annual reports. The number of sentences on the environment used as a measure of the disclosure. Both descriptive and inferential statistics such as frequency, mean, standard deviation, percentile, and ANOVA used to analyze data. The statistical result indicates that the mean of sentences on environmental disclosure is 10.51 with high standard deviation (SD 14.33).

In the last decade India has witnessed a tremendous growth in the use E- wallets, because of the increased use of Internet and mobile. The government policies like demonetization, Digital India also created an exponential growth in the use of digital wallets. Digital or E- Wallets refers to a device or service that lets you carry out financial transactions electronically. India has seen an increase in the number of digital wallet users and the nation is slowly moving towards a cashless economy. Both government and private companies launch different e- wallets to make Incredible India into a cashless economy. Being a dominant player in the economy, SBI also contribute a transparent E- wallet application called YONO for achieving the dream. YONO (You Only Need One) is an integrated digital banking platform offered by SBI to enable users to access a variety of financial and non financial services. So in this study an attempt is made to assess the customer’s perception towards YONO application of SBI.

India is a coal-rich country, and the fact remains that we still need to bring power to a large mass of people at reasonably low rates. So we really need to walk this tightrope between ensuring development while also setting an ambitious benchmark for renewable energy. The crisis brewing within the Indian economy has gained unanimous acceptance by now. Even the latest annual report of the RBI for the fiscal year 2018-19 (or FY19) confirmed that the Indian economy has indeed hit a rough patch. The GDP growth rate of the economy has slipped to 5 per cent in the first quarter of FY20, the lowest in over six years. This is an indication of tougher times ahead. Be it the recent collapse of the automobile sector or the rising number of non-performing assets (NPAs), sluggish consumer demand or failing manufacturing sector; all have a hand in this deceleration of growth rate. The spurt in instances of job losses from automobile manufacturers to biscuit makers has led to the general acceptance of the downturn. This is the third instance of an economic slowdown for India in the past decade after the ones that began in June 2008 and March 2011. The technical term for the same is growth recession. A recession is defined in economics as three consecutive quarters of contraction in GDP. But since India is a large developing economy, contraction is a rarity

India's economy has fallen on hard times. According to the Advance Estimates (January) of the National Statistical Office (NSO), the growth of the gross domestic product (GDP) will be 5% in 2019-20 in real terms; many private forecasters have put the figure even lower. It is a steep fall from the 2016-17 growth rate of 8.2% (at least according to the official statistics). The fall is more dramatic in terms of the quarterly output estimates, from growth of 8.1% in January-March 2018 to 4.5% in July-September 2019. With unrelenting bad news of a fall in output and sales and of a retrenchment of workers coming from across sectors and regions, the Government is finally compelled to admit the reality. Yet it claims that it is a temporary and cyclical problem that will go away with the policy measures it has initiated. India may be a long way from melting polar ice caps, but its economy will be among the worst affect on account of climate change. According to a report by Lehman Brothers India’s GDP would dip by 5% for every two degree temperature rise. Speaking to ET, John Llewellyn Lehman Brothers global economist, said, climate changes are likely to effect India in a host of ways.

India’s growth slowdown technical term is reunion. Recession is the outcome of 5gw monetary and fiscal policies aimed at controlling Inflation. A recession is defined in economics as three quarters in Contraction in GDP. This is the third instance of are economic slowdown for India in the decade after the ones that began in June 2008 and march 2011 .The crisis brewing within the Indian economy has gained unanimous acceptance by now. Even the latest annual report of the RBI for the fiscal year 2018-19 confirmed that the Indian economy has indeed hit a rough patch. The GDP growth rate of the economy has slipped to 5 per cent in the first quarter of FY20, the lowest in over six years. This is an indication of tougher times ahead. Be it the recent collapse of the automobile sector or the rising. The technical term for the same is growth recession. A recession is defined in economics as three consecutive quarters of contraction in GDP. But since India is a large developing economy, contraction is a rarity. The last instance of negative growth for India was in 1979. A growth recession is more commonplace where the economy continues to grow but at a slower pace than usual for a sustained period, what India has been facing nowadays.

Under Economic Growth mean constantly increasing volume of production in country, or an increase in gross domestic product main quantitative indicators of production for a period of one year .Economic development is not only quantitative changes when it comes to the economic position of the country, but also qualitative changes (changing the economic structure, the emergence of new sector sand industries new jobs, etc..). They lead to a better and more complete satisfaction of all human needs Production per capita is a measure of the ability of a society to achieve their goals of social and economic development, all in order to meet the constantly growing social needs. The increase in output per capita in economic theory is expressed as economic growth, without which no economic development, but does not have any economic growth to be a function of economic development.

Economic growth is key component in an economy. Improving or increasing their quantity can create impact on economy. Population which is contributing to the availability of workers or employees, which means a higher workforce, the Technology and the Rules and prevailing Law are the determinants of economic growth. The Public distribution system (PDS) is a government-sponsored chain of shops entrusted with the work of distributing basic food and non-food commodities to the needy sections of the society at very cheap prices. An effective service pattern was introduced in Tamil Nadu in the year 1964 and Tamilnadu PDS is a second largest chain of shops in India. It is an important determinant of Economic growth of the state. This paper is to explore and highlight the Prime responsibilities of the government in providing the basic needs of the people which are having direct impact on the violent behavior of the people.

In the reorient world, people love to live a complete luxuriant life. In that case, many subjects cause his life. A few causes are jobs, affairs, good livelihood, especially shopping, that is marketing. Everyone knew that generally all super markets have tightly and beautifully packed items, high concentrated dairy products and vegetables. People do not know whether these products are natural or artificial, but we all are forced to buy these products. Due to such reasons, a new market emerged and was said as “GREEN MARKET”. Economic and environmental performance must go hand in hand. The natural environment is central to economic activity and growth, providing the resources we need to produce goods and services, and absorbing and processing unwanted by-products in the form of pollution and waste. Environmental assets contribute to managing risks to economic and social activity, helping to regulate flood risks, regulating the local climate (both air quality and temperature), and maintaining the supply of clean water and other resources.

In current scenario of business, the micro, small and medium enterprises have been accepted as the engine of growth for promoting equitable development and sustainable growth. The MSME`S plays a vital role in generation of employment opportunities, dispersal of industries and creating job opportunities. Micro, Small and Medium Enterprises (MSME) sector have also been playing a indispensable role in overall development of the economy of a country. The objective of the study is to study the type of problems faced by MSMEs and scope of economic growth among people who are unemployed and facing the problems of poverty. This has been considered as the dynamic and vibrant sector of Indian economy as it provides wide area of employment opportunities to rural and urban coverage. This is an attempt to highlight the growth of the sector and various problems or challenges faced by MSME sector.

Small and medium activities contain be accept strength in the development structure of the Government of India. The Nehruvian idea of industrialization has given implication and understood the significance of little and medium undertakings for the national advancement. The immature and creating nations are commonly overwhelmed by agrarian economy and portrayed by underemployment and rising joblessness. SMEs must broaden the fundamental help and praise the gainful impacts of Industrialization. The SMEs utilizes capital and work for creating economy. They can create a unit of yield with lesser expense of generation.

The Indian MSME has fast growing countries in the world today, and this sector contribute very much has been socio economic development of the country approximately 78 percent of own business operate in service sectors. MSME play an important role in providing with a GDP growth rate of 9 percent during the twelfth plan period. The women entrepreneurship refers to the achieved immense development act of setting up a new business in the state of mind or reviving an existing business so as to take advantages from new opportunities. Thus, entrepreneurs many entrepreneurial opportunities especially for women have been creating their skills with maintaining balance in their life shape the economy by creating new wealth and new jobs and by inventing new products and services.

Economic slowdown generally occurs when there is a widespread drop in spending. This may be triggered by various events, such as a financial crisis, an external trade shock, an adverse supply shock or the bursting of an economic bubble. In the United States, it is defined as "a significant decline in economic activity spread across the market, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, and wholesale-retail sales". In the United Kingdom, it is defined as a negative economic growth for two consecutive quarters. The economic slowdown in India means hardship for Indians. It has reported on dropping incomes as well as tight-fisted spending, even on essentials such as food. However, it is not only Indians who are suffering in the Indian government too. Taxation is a core part of the capabilities of any government; this is a troubling sign for India.

The retail sector had to face a transformation during the last decade due to the paradigm shift to the organized retail sector from the unorganised petty shops especially in the urban centers which had emerged into mega shopping malls. This paradigm shift changed the mindset of the people to opt malls as a one stop destination which would eventually fulfil their daily needs and wants like socialization, shopping & entertainment. As a consequence, the growth of retail sector has got modified to a great extent in India. With a large number of malls emerging in metros it has become a shopping destination for most of the people. The aim of this paper is to analyse the pattern of the consumers who gets attracted to these shopping malls which are based on 6 important dimensions ultimately. As a resultant, the shopkeepers and the mall management would be beneficial based on this study so that they can get a clear picture about the customer through a proper data based on the behavior of the customer.

Automobile Industry is one of the largest markets in the world. Nowadays, automobiles have become the necessity for everyone. There is a huge scope for automobiles in India, but nowadays Indian automobile industry is facing a big problem, i.e., slowdown. The main purpose of this paper is to discuss the reasons for the slowdown in automobile industry. It analyses the changing scenario of automobile industry that influence the purchasing behaviour of consumers. It explains the sales analysis of various automobile companies in India. It also gives the scope for the future and highlights the solution with the help of new trends which should be adopted by the automobile companies to capture the market and increase the sales in future. It also throws the light on the new technologies for automobile sectors.

The digital era has brought about a sea change in the methods and means of marketing of goods and services in the country as well as the whole world. Globalisation and liberalization have become the buzz words in this era. The increased and world- wide dispersion of the goods is possible beyond doubt. But he need for this type of economic growth is felt everywhere. Hence the study is most vital in this era of digitalization in anything and everything for growth and development of the country, standard of living and the increase in the National income in the country and the development of mankind as a whole. Hence an attempt is made by the researcher to delve into the pros and cons of the digital marketing of various dimensions

Digital currency and digital payment mode is so vital and inevitable in this computerized era. It emphasizes the usage of internet and reduces the burden of the users. This paper aims at knowing the awareness of digital currencies and digital payment system and lays efforts to highlight the advantages of digital currencies and to bring out the problems in the adoption of digital payment system. The study reveals that more concentration should be laid on the awareness of digital money and its payment mode since it also has its own cons too. It is the responsibility of the media, researchers, banking and government authorities to create a proper awareness on frauds and change breaks and also on the vulnerability of cyber criminals. This will protect the users and induce them to utilize the services rather more than ever

The role of entrepreneurs can be providing the green products in more cheap and economic rates. Also promoting the local innovation and investing on the ideas to make it practically possible to provide cheaper energy options to all and find out solutions to the present problems which can be more economic and practical and relevant in the low economic countries. As today’s consumers become more conscious of the natural environment, businesses are beginning to modify their own thoughts and behavior in an attempt to address the concerns of consumers. Green enterprise is becoming more important to businesses because of the consumer’s genuine concerns about our limited resources on the earth. By implementing green measures to save the earth’s resources in production, packaging, and operations, businesses are showing consumers they too share the same concerns, boosting their credibility

The term “digital banking”, just like any new buzzword, means different things to different stakeholders in a service organization. For instance, for customers, it can mean myriad new services and products resulting in a pleasurable buying/spending experience. For the decision-making team in the organization, it could mean setting up of state-of-theart ICT infrastructure coupled with a good dose of analytics in order to provide an excellent customer experience, which is a precursor to having sustained and profitable customer relationships. For the regulator or third party, it could mean the ability to provide accurate and reliable information on the fly.

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. A technological revolution is a period in which one or more technologies are replaced by another technology in a short amount of time. The term education system generally refers to public schooling and more commonly to kindergarten through high school programs. The purpose of education is the create people, great thinkers, great authors, great researchers, great politicians, great entrepreneurs with vision - great missionaries - even great humanitarians.

Marketing is the business procedure of making associations with and fulfilling clients. With its attention on the client, advertising is one of the chief segments of business the executives. Today’s competitive world is unpredictable about the future, thus to cope up with the drastically changing environment it’s necessary for every seller to attract their valuable consumers. To attract consumer it becomes essential for sellers to understand the consumers behavior. Consumer behavior is how one potential buyer reacts to the particular situation of buying products with the available money consumer also considers other factors such as discounts, offers and other factors that become essential for decision making. This project helps to find out the most influencing factors that makes consumer to opt for impulse buying behavior. It also provides with valuable suggestions to the sellers to make their business to work effectively and efficiently and to gain maximum benefit. This research is carried on with primary data. To make analysis of the current trend prevailing in the market questionnaire is distributed among various class of people based on age, income level and other demographic factors. To analyse the data various statistical tools .The research is of descriptive nature. Based on the respondents the analysis is carried out and the findings are derieved.

E-learning has brought out a significant revolution in the history of education in the present digital era. Whether one is an adult, a minor, an individual, an organisation, an establishment or whatever it is, one makes use of digitalized technologies in one way or the other. Today the impact of e-learning is increasing day by day. Officials, experts, students, research scholars, professionals etc. makes use of this in an unlimited manner. It has flourished in such a way that it cannot be avoided in any context. It has attained importance in the minds of majority people in our society. Along with a lot of positive effects that are found from the side of e- learning, there are some ill effects too, which cannot be wiped out in any manner as a substitution for classroom teaching. Never can we fully replace e-learning in the place of physical teaching. We can still find people who are reluctant to use the same, who wish to have normal and physical teaching practices that are adopted in our schools and colleges. Also under e-learning one will focus only on that area which he or she needs from the website i.e., pin point searching. There is no in-depth reading which in turn reduces wider subject knowledge which one used to secure from reading large quantum of books for reference. The present study analyses the approach of the students at Mercy College, Palakkad on e-learning with the advancement of digitalization and how they react towards the same and it is scrutinised that e-learning is effective in the present context. But there will be certain ill effects in the form of demodulation in the character of children who comes from different family backgrounds as they are not able to understand with what happens in our society. Also the study focuses on the quantum of e-learning that is necessary in the present scenario, the taste of students towards hard copy and soft copy readings and correspondingly their attitude towards the society as a whole.

Consumer is pulled in by the method for charm of an item. Buying is tied in with captivating, by influencing consumer to picture the item. In the bustling quickly changing existence of this time, Impulse buying is a wonder that has gotten significant consideration from promoting. Impulse buying guarantees to be a predominant buying conduct in the exceptionally helpful condition of developing markets like India. Innovation makes buying quicker, more astute, and increasingly helpful for consumers, and supplies unlimited open doors for impulse buying. One method for creating income from broadband media content rests upon the suspicion that multi-media substance may trigger a more prominent purpose to purchase items and administrations indiscreetly. Digital media that accentuates the reconciliation of enthusiastic and psychological handling and of related plan factors, and portray a subsequent for the investigation of passionate structure. This investigation looks for and audit key site use factors (site correspondence style, education, convenience, and stock engaging quality and deals limited time exercises) on incautious buying conduct through web perusing in online setting. In this way, it is prescribed that electronic trade and advertising chiefs investigate inventive methods for incorporating visual and verbal media designs for inspiring a compelling consumer reaction.

“Engineering is not merely knowing and being knowledgeable like a walking encyclopedia; but refining the art of aligning the dynamics of technological change.” Seeing the panorama of an escalating rapidity in technological revolution, the emergent intricacy of engineering culture and exigency for ingenious engineering in the visage of universal race, engineering institutes global-wide are beleaguered to cultivate industrialized competences amongst potential, acclimatized, imaginative engineers. These competences should be versioned as constructive in any engineering profession, i.e. manifestation of running with prospects, triggering and administrating conceptual and empirical resources in the midst of indeterminate risks to inflate multi-disciplinary extensiveness in the engineering graduate supplementing their technical knowledge and proficiency. Intensifying such competences in engineering graduates entail a swap in the mode of how the engineering is skilled, and curricula is designed and evaluated. This educational modernization has been documented as a discrete fragment of study, which hooks up engineering education with exclusivity. The nascent erudition has promoted the progressive engineering strategy consisted of activating the action, venture projects, functioning with authentic issues, visualizing new-fangled proposals through edifice and alliance with corporatists. It reverberates on academic contemplations concerning the educational configuration in professional engineering research, where expedient learning has been the ultimate pedagogy for professional competence advancement. Succinctly, the experimental andragogy accentuates focusing only student-centered projects, engrossing the student’s whole commitment and employing pertinent teaching-learning processes in line with tangible applications of real life. As the engineer should be an intermediary between the logician and the artisan like an exponent between two aliens by assimilating the dialect of both, pragmatically and ideally, this paper explores and explicates a concomitant pedagogical ethics in respect of facilitating the progress of professional competencies and skills of andragogy in the specialty of Advanced Engineering English.

Now-a-days the world has changed to a digital world. India has also tried to follow the digital banking. Digital cash and online transaction in the current market scenario have an important effect on digital banking .The digital bank represent a virtual process that includes online banking as an End –to-End platform. Digital banking means more than just going paperless. Leading players are offering a new and improved Customer experience, Delivering faster and more efficient services. It includes the evolution digital transformation in modern banking era. Digital banking plays an important role in the present banking system. Most people in the banking sector agree that digital banking is the wave of the future with highly safe and secure. However it has includes some of the challenges and opportunities of digital banking in India. The paper further tries to discuss some major aspects of digital banking.

This study investigates the relationship between HR competencies and organizational performance by adapting the Ulrich HR Role Model. The study also examines HR competencies such as strategic positioner, credible activist, culture & change champion, Technology and media integrator, Strategic positioner, Paradox Navigator, Human Capital Curator, Total rewards steward, Analysis designer & interpreter and Compliance Manager. The HR outcomes: turnover, absenteeism and Job satisfaction are measured against their relationship with organizational performance. An empirical survey was conducted based on competency and their effect on Hr outcomes of organizational performance. The research is based on the survey responded by 140 HR professionals from different IT /ITES companies in Chennai. The results will give us the details of HR influence from HR perspective in relation to organizational performance.

Last few decades have witnessed growing importance on the concept of green marketing. Green marketing is important impact of consumer purchasing behaviour. This research paper is an endeavour to analyse the consumer buying behaviour towards the green market products in Chennai city. The main objective of this study is to analyze the attitude and behaviour of consumers towards green products. The data was collected from 100 respondents. Secondary data was collected from the available literature sources. The core idea of green marketing is to create awareness among people on the environmental issues and how consumers would help the environment if they switch over to green products. Thus green marketing aims to provide more information to people and also gives consumers more choices to change over to green lifestyle.

The banking sector plays an important role in the economic development of a nation. The Indian banking sector has undergone many positive and significant transformation and development in recent years. The internet banking is changing the banking industry and is having the major effects on banking relationship. Internet banking involves the use of internet for delivering of banking products and services. It enables a customer to perform basic banking transactions through PC or laptop, located anywhere in the globe. The present study is aimed to analyze the usage and role of internet banking among the customers in Thiruvananthapuram District. For this purpose the study made use of both primary and secondary data. The primary data were collected from 100 customers and these are analyzed with the help of statistical tools. The study found that the most of the customers preferred internet banking because of convenience. The customers are highly affected by the network problem. It is recommended that the bank should keep at least one employee at every bank who is a specialist in internet banking and it will help to clear the doubts of customers.

Traditionally education is centered on sources such as schools, teachers and print media. The learners reached the information sources by enrolling with schools, teachers nd libraries. Prior to the digital era, information was not accessible by the majority of people, and even those accessed were unable to obtain current information with respect to today’s context. The modern society wants to know the information as it happens and when it happens, and the world is moving from an information society to a knowledge society. Thus education is given the highest priority and brainpower is becoming the most valuable asset of an organization. Advances in digital technology have opened up many avenues of learning. Technology has made information accessible / transmittable from anywhere and by / to all groups of people. Education has reached most parts of the world and ICT has become an integral part of human life. This paper describes the process of generation, creation and acquisition of knowledge through the technology.

Green marketing is a phenomenon which has developed particular important in the modern market. Increasing awareness on the various environmental problems has led a shift in the way consumers go about their life. There has been a change in consumer attitudes towards a green lifestyle. Increasing mindfulness on the different ecological issues has driven a movement in the way customers approach their life. Individuals are effectively attempting to decrease their effect on nature. However, this is not widespread and is still evolving. As a result of this businesses have increased their rate of targeting consumers who are concerned about the environment. Environmental problem is the biggest problem and have to solve to survive in this world because of which it is important to implement the green marketing concept. India is one of those countries who have started to explore more about this concept. So, this paper also describes the challenges of adopting green marketing concept

RACT The 21st century is sometimes referred to as the Digital Age due to the fact that so much of what we do is done digitally. This includes accessing our news, information and entertainment on mobile devices like smart phones and tablets. Digitalization is transforming companies and other organisations more fundamentally than the business world has ever seen. As companies are transformed, so too are their financial and accounting functions, and in turn, their financial statement audits. At the Institute of Chartered Accountants of India (ICAI), the council constituted the Digital Accounting and Assurance Board (DAAB) as an enabling board to proactively assess the impact of digitalization on accounting and audit. To help firms to assess the current digital competence of their firms and to build their competencies for their own growth and profession at large, the DAAB has provided the instant toolkit “Digital Competency Maturity Model (DCMM)”. In order to stay competitive, the firms will now have to be open to change and adopt an agile mindset. The making of the paperless office by Digitalization of accounting and administrative process, involves four solutions that can be combined to suit the particular business needs. Along with updating the business firms with the new and improved technology, in the area of financial accounting, another most important factor that needs to be simultaneously upgraded and automated are the Finance and Accounting professionals. As valued advisers to the organisations they work with and for, accountants must maintain a watching brief across a broad range of technologies and trends. Some of the recent advancements popular within the world of accounting are cloud accounting, artificial intelligence, digital service delivery etc.

Change is appearing at a speed and business is changing with it. In recent years, consumers have high expectations and there is a paradigm shift in the consumer behaviour and consumption patterns. The e-commerce industry in India is growing fast, booming, and expanding at a larger rate. The concept of online shopping has attracted the Indian population tremendously. Exposure to Internet has been highly instrumental in the ecommerce success. The online shopping has become a trend and the reason behind is attractive online websites, bulky online stores with new fashion, user friendly interface, no bound on quantity & quality, one can choose the items based on size, color, price, etc. easy and secure payment methods like paypal or cash-on-delivery. In accordance with the changing times, the business has to adopt ‘digital-first’ strategy. In this backdrop, this article focuses on the digitization trend in India.

The period of 1945 to 1960 is characterized by the importance of employee morale while personnel are part of operating cost but not yet mainstream operations of organization. The computers were used in defense industry to maintain research and development, employee selection, payroll automation through mainframe computers. The human resource management department is considered as the most significant functions in all types of organizations as it considered greatly with intellectual skills. Information communication technology facilitates innovative and best way of carrying on routine organizational activities in a virtual environment. Human resource management incorporating with the electronic mode of operations. Since the term e-HR first came into force in the 1990s when e- commerce started dominating the business world. Recent technological developments have made “business at the speed of a thought” and a “paperless office” every activity based on real time with real information. e-HR refers conducting human resource transaction using the internet technology at the inception of eHRM. This study also provide concrete insight about how human resource management developing their function with new technical wave called E-HRM and also study of frame work, role and consequences of E-HRM process in organizations.

Green banking means promoting environmental-friendly practices and reducing your carbon footprint from your banking activities. As environmental issues gain greater attention, pressure is being placed on all industries, including financial institutions to implement Green Initiatives. Banking sector is one of the major sources of financing for commercial projects which is one of the most important economic activities for economic growth. Therefore, banking sector can play a crucial role in promoting environmentally sustainable and socially responsible investment. The study aims to identify the opinion and awareness of bank customers as regards to green banking concept in public and private sector banks of Pathanamthitta dist. of Kerala.

Digitalization plays an pivotal role in the economic development of the country. In the present scenario digital transformation in accounting is one of the important sectors to witness revolutionary changes in the world. Digital accounting means introducing aspects with technology. Digital technologies in combination with „big‟ data and predictive analytics are having a significant impact upon professional practices at individual, organisational, national and international levels. Digitization has been seen to change innovation processes and some experts believe it will change whole markets. The accounting industry is one of the industries that has been seen to have a growth in digitalization and is expected to grow even more. This article tries to present that how the technology brought up changes in recent times through traditional method was once characterized manually sitting through hour-long to up gradation without any visual presentation. The study investigates the status quo and developmental trends of digitalisation in accounting, the responsibilities for implementation and any obstacles to the digitalisation of accounting, which may have already emerged. Building on this, a maturity level model was developed that assigns companies to defined clusters and reflects the current status of digitalisation in their accounting systems. The accounting sectors are like many other industries are experiencing the need for a change due to digital technologies. Therefore, this study aims to investigate how digital accounting businesses could set up a general business model, in order to be a successfully digitalized business.

Digital innovation in the contemporary era of global capitalism has successfully changed the ecosystem of many industries. Tourism industry is one of the industries in which digitalisation has left no stone unturned. With increased digitalisation, literally in every field of life, the travel experience has a complete radical shift from what it was a few decades ago. Technological inventions and innovations have made travel affordable, accessible and convenient. Different age group of people with different tastes and preference are feeling more satisfied today with digital tourism like never before. Indians also are not lagging behind in utilizing the digital platform to enhance their travel experience. This paper will study the recent developments made in the tourism sector using the digital platform and with the help of secondary data will try to show the growth of use of the digital platform across the globe.

Consumers‟ attitudes and concerns for the environment are determinants of behaviour and will manifest itself in their lifestyles and green purchasing decisions. The objective of the present study was to explore whether variables, specific to environmental consciousness, were more suitable for characterizing consumers‟ purchasing decisions. Specifically, consumers‟ knowledge and attitudes towards recycling behavior and energy efficient products were studied. One way ANOVA Chi Square test and percentage analysis were the statistical tools used. Results indicated that the consumers‟ overall environmental consciousness had a positive impact on green purchasing decisions. It was found that the recycling behavior aimed at reducing solid waste at landfill sites and conserving natural resources. Results indicated that the sample‟s overall environmental consciousness has a positive impact on green purchasing decisions. Such research is beneficial to marketers and retailers aiming tos incorporate green concerns into their marketing mix. Simply claiming to be „green‟ is no longer enough. Instead, marketers must show how consumers choosing green products are helpful in the struggle to preserve the environment and how others are better off as a result of it.

Industry analysts have identified the scope of Automation everywhere and anywhere. The recent development in the field of automation is the Robotic Process Automation or RPA. These are in attribute which is designed to replace human workforce as a virtual workforce. RPA is an approach which is software-based process automation which coordinates the HR functions and actions through capturing and interpretations of existing applications and process. It acts as a virtual workforce which operates on a software which is used to reduce or replace the human interruption in the monotonous or ceaseless assignments and tasks. RPA can be employed to interact with existing practice and appliances without changing the current IT-panorama. The research topic forwards to learn and understand the past RPA projects and its implementation for attaining a competitive edge. This study focuses on the effectiveness of implementing RPA in HR department of the company through the circulation of questionnaires in order to obtain the response from the employees of all the departments in the organization. It is an Experimental Research since the study focuses on the need and requirement of RPA in Micron EMS. Tech. Pvt. Ltd. The study also revealed that overall the company has the capacity to implement RPA in HRM and the effectiveness of it will be high in the long run.

An efficient and integrated Capital Market is an important infrastructure that facilitates capital formation, which is possible only if the securities traded in the markets are priced appropriately. The efficiency with which the capital formation is carried out depends on the efficiency of the capital markets and financial institutions. A capital market is said to be efficient with respect to an information item if the prices of securities fully impound the returns implications of that item. This study has empirically examined the informational efficiency of capital market with regard to stock split announcement information released by the FMCG companies in the semistrong form of EMH. The study found that the Indian Capital market is not perfectly efficient in the semi- strong form of EMH, which can be used by the investors to make abnormal returns.

In our daily life Transport is an inevitable part for fulfilling the civil requirements such as Education, Food, Employment, Medical Services, Business and Profession. When we see the modern technology applications in the transport system of developed country, it looks too wonder for us such as Automatic Vehicle, smart city concept, embracing an open-data policy and ensuring open non-propriety systems, facing the responsibility for cyber security and so on. Modern means of transport are very fast. There is a considerable service quality gap between the passengers’ expectations and perceptions on TNSTC in Kanyakumari District towards tangibility, responsiveness, reliability, assurance, safety, comfort and convenience. The Digitalisation is not an issue for the future. It is already happening and the public transport sector needs to embrace it for fulfilling the gap in the near future.

Competency mapping is a key human resources management tool in modern business organizations. It becomes all the more important in service industries where the success of the firm depends solely on the competencies and motivations of its employees. Human resource management is a process of bringing people and organizations together so that the goals of each Other are met. Through proper competency mapping high skilled and knowledge based jobs are increased. Human resource development aims at constantly assessing competency requirements of different individuals to perform the job assigned to them effectively and provide opportunities for developing these competencies to prepare them for future roles in the organization. Hence an attempt has been made to analyse the link between competency mapping and human practice in the organization. Further efforts have also been made to know the impact of competency mapping on individual and team and to know the impact on training provided to the employees.

Banking is the fulcrum of an Economy. The Banking Industry is one of the basic instruments of economic growth. It must be on a sound footing as it constitutes an important link in various socio-economic activities. Since it is considered the backbone of economic development, any change in its processes is deemed to have repercussions on the country’s growth. The essential part of the banking system is its financial viability. It is not only necessary for its survival but also to discharge its various obligations. There has been amazing growth in profits in banking industry over the last two decades. The Indian banking sector has witnessed wide ranging changes under the influence of the financial sector reforms initiated during the early 1990s. The approach to such reforms in India has been one of gradual and non-disruptive progress through a consultative process. The emphasis has been on deregulation and opening up the banking sector to market forces. The Reserve Bank has been consistently working towards the establishment of an enabling regulatory framework with prompt and effective supervision as well as the development of technological and institutional infrastructure. The Indian banking sector is broadly classified.

Bangalore weather is just getting extreme day by day, in rainy season its heavy storms, in the winter season its extremely cold, and this upcoming 2018 summer is not like any other summer but it’s going to be extremely hot. For Bangalore to sustain the heat any day/ everyday tender coconut is a remedy. Coconut is something which people prefer for taste, health, oral rehydration etc. The other advantages of tender coconut are that It kills intestinal worms Cures malnourishment Effective in the treatment of kidney and urethral stonesChecks urinary infections. Keeps the body coolEach climatic change has environmental, social, political and economic changes on the business. Tender coconut was something which was found on footpath, at road corners, under tented roofs, but the trend has changed today. We can get tender coconut in tetra packets and sometimes a free home delivery. Tender coconuts are now available in super markets, refrigerator. State Karnataka receives 80 percentage of rainfall because it accounts for south west monsoon. The annual rainfall that state ranges from low 50 cm to copious 350 cm. The west coastal region enjoy the highest rainfall and hence it helps the cultivation of tender coconuts, which helps in better production of tender coconuts in the market. People also may sometimes face loss because of the different climatic changes which is occurring in the state. Predicting future is something beyond, even if they predict the climatic condition it may differ. There will be changes in local weather conditions. For tender coconuts to grow a rainfall of about 2000mm per year well distributed throughout is ideal for proper growth and maximum production. Coconut is grown under different soil types such as loamy, laterite, coastal sandy, clayey, alluvial and reclaimed soils of the marshy low lands. The ideal soil conditions for better growth and performance of the palm are proper drainage, good water holding capacity, presence of water table within 3m and absence of rock or any hard substratum within 2m of the surface.

In current business scenario environmental issues plays an important role in business. In most of the country‟s government is concerned about the environmental problems. In today‟s business environmentally sustainable development has become a key issue. Thus, Green marketing is one of the strategies a firm can adopt to achieve this. Green Marketing refers to the process of selling products and /or services based on their environmental benefits. Such a product or service should be eco-friendly in itself or produced in an eco-friendly way. In today‟s environmentally conscious world the word “Green” has become a buzz word. Green causes are increasingly popular with public making green marketing good for public relations and sales.Green Marketing has been defined by AMA as “The study of the positive and negative aspects of marketing activities on pollution, energy depletion and non-energy resource depletion”.However one of the basic assumptions of green marketing is that potential consumers would be willing to pay more for a “green” product. The present paper makes an attempt to analyse the awareness and willingness of the consumer to buy green products.

India is one of the fastest growing economies of the world where more than 70 % of population lives in rural areas. Rural areas are the lifeline of our country, accomplishment of financial services in these areas is an inevitable one. Financial Inclusion is a topmost priority of the Government in recent days to enable country‗s inclusive growth. Financial Inclusion is the delivery of financial services at an affordable cost to vast section of disadvantaged and low income group of people. The extent of financial exclusion is still quiet huge in rural areas. Financial Inclusion like opening of bank accounts, access to digital money, availing of micro credit, insurance and pension were lacking. 110 million of country‗s population, only 20% of has any kind of insurance. Rural people are also highly excluded section in the Insurance market. Vulnerability is more in rural areas than urban areas, but they are largely unreached segment of Insurance. To cover these vulnerable sections of society, Insurance Regulatory and Development Authority (IRDA) has created a special category of insurance policies called micro-insurance. Jansuraksha, as an Insurance initiative with Government‗s Financial Inclusion step is one of the preceding sector to made inclusion in formal financial services. This paper entitles to give a glimpse on Government promotional measures of Micro Insurance and Jan Suraksha with rural people.

In order to keep up with the growing demand, several auto makers have started investing heavily in various segments of the industry during the last few months. The industry has attracted Foreign Direct Investment (FDI) worth US$ 21.38 billion during the period April 2000 to March 2019, according to data released by Department for Promotion of Industry and Internal Trade (DPIIT). The automobile industry is supported by various factors such as availability of skilled labour at low cost, robust R&D centres and low cost steel production. The industry also provides great opportunities for investment and direct and indirect employment to skilled and unskilled labour.

Small business management and entrepreneurship have relevant academic, social and economic dimensions and their own literature in the fields of sociology, psychology, economics and management. Thus let‟s know about the Entrepreneurship and small business management in digital era and its pros and cons. To be successful in sustainable practise often requires entrepreneurship and innovation. This research provides an overview of entrepreneurship and innovations it relates to sustainable business.

India is in the path of digitalisation. Each aspect of the economy is transmitting to digital. The Indian customers are fast going digital- snapping smart phones and tablets. Government at the Centre and in States are also being doing their bit by building digital infrastructure to bridge the mile network gap. Digitization of PDS is one among them. Public Distribution System is recognized as a permanent feature of the Indian economy and evolved for distribution of essential commodities at reasonable prices and management of emergency situations. The PDS in India is the largest distribution machinery in the world. But there are numerous problems associated with the Public Distribution System in terms of quality, quantity, storage, management etc. Those problems create a hindrance in the effective and efficient working of the system. To overcome the problems the Government of India made major reforms in PDS in 2015, digitisation of ration cards. The prime focus of Digitization reform is to make PDS more transparent and leak free. The paper makes an attempt to study the significance of Digitization in PDS and the different types of reforms in the Digitization process.

Digital technology is shaping the future of global trade and investment. One aspect of the adoption of digital technology by global exporters and importers is the purchase and sale of goods and services online, which is part of what is broadly understood as “e-commerce”. The use of automated data exchange systems, cloud computing, big data and open source operating systems can help businesses run international supply chain management more efficiently. However, the use of digital technology in trade activities can, in fact, go beyond online buying/selling; in this chapter, the term “digital trade” refers to the use of digital technologies to facilitate businesses without limiting it to just online sales or purchases.

Digitalization is the process of converting information into a digital computer readable format, in which the information is organized into bits. The result is the representation of an object, image, sound, document or signal by generating a series of numbers that describe a discrete set of the result is called digital representation or, more specifically, a digital image., for the object , and digital form for the signal.

Digital technology is shaping the future of global trade and investment. One aspect of the adoption of digital technology by global exporters and importers is the purchase and sale of goods and services online, which is part of what is broadly understood as “e-commerce”. The use of automated data exchange systems, cloud computing, big data and open source operating systems can help businesses run international supply chain management more efficiently. However, the use of digital technology in trade activities can, in fact, go beyond online buying/selling; in this chapter, the term “digital trade” refers to the use of digital technologies to facilitate businesses without limiting it to just online sales or purchases.

Each digitization wave has a specific set of social and economic impacts. Computing, broadband and mobile telephony networks have been instrumental in relaxing industry scalability constraints, thereby allowing traditional sectors of the economy to grow more rapidly. The alleviation of the resource constraint has led to increased demand for labor in service industries, (e.g., financial services, education, health care, etc.) although it also had a positive effect in manufacturing. Finally, the first wave appears to have had an impact on the growth of household income, and the facilitation of social inclusion (access to information, government services, and entertainment content).

Digitalization is the use of digital technologies to change a business model and provide new revenue and value-producing opportunities; it is the process of moving to a digital business. Digitalization confronts organizations with huge challenges and opportunities. With all economic and societal sectors being affected by emerging technologies, the digital economy is highly volatile, uncertain, complex, and ambiguous. Digitalization is the term which means making the things to be easily accessible to the person of the world. The main purpose of making the world digital is to improve the person of different places to change their way of living

The E-Commerce in Digital Media examines how digital media companies are evolving to take advantage of the rapid growth of e-commerce among consumers to supply an added revenue stream. The report identifies three primary e-commercedriven strategies that digital media companies have pursued for growth, and investigates how brands can leverage these strategies to reach consumers as consumption habits both shopping and media change. E-commerce is the activity of buying or selling of products on online services or over the Internet. Electronic commerce draws on technologies such as mobile commerce, electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic data interchange (EDI), inventory management systems, and automated data collection systems. Digitization is the process of converting information into a digital formate

For a company to survive in today’s scenario, it must attain profits. It is analogous to blood in a human being. Business is lifeless without profits. Profit is the extra of salary ended spending incurred during a define period of time. In accounting parlance it is determined by take away the expenses sustained from the revenue received in a specific period of time. Profits can be made by both operating and non-operating activities. The efficiency and effectiveness of the management can be judged by the profits it made during a period of time. In any business concern, Investments can be attracted by the effective performance of the business. The effective and efficient performance is very vital for the survival of the business. The performance is reliant on several factors such as cost, revenue (which in turn depends on price), sales, profits etc. The performance of Cement Industry is to be analysed to attract the investment and to develop the industry since it is the backbone of the infrastructure development. Performance analysis can be studied in terms of financial, marketing, sales, production aspects, etc. In this paper an effort has been made to analyse the presentation of two select cement companies in Telangana i.e. Kesoram Cements and Deccan Cements. It also highlights the Du Pont model evaluation

The employee welfare is one of the prime functions of HR Department. Employee welfare shall take care of the health, safety, and retirement benefits of the employees as per the various statutory labor legislations in India. The delighted employees will be the asset of the company. Statutory Compliances of HR policy is a must to maintain a decent branding among the competing companies to attract and retain the talented employees. There are various statutory acts defined for the benefit of employees like factories act, 1948 (Safety, Health and Sanitary facilities), the employees’ provident funds and miscellaneous provisions act, 1952 (Provident fund take care of family retirement benefits), OHSAS 18000 – Occupational Health and Safety Management (to take care of Health, Pollution, Hospital facilities).A company compiling with such acts will get benefited by high morale of the workers with high productivity. The company should have good employers and HR mangers to make the firm compliance with all statutory requirements. The case study is presented to indicate how the company Flipkart built its brand value in maintaining delighted employees by adopting all the statutory requirements. Index terms: Employer Brand, Delighted Employees, Statutory Compliance, High productivity

This paper presents the saga of soft, slow and study struggle of the suppressed society of Dravidians for Social Justice in the Southern most State of Tamil Nadu through Reservation for restructuring the society to the changed time of modern age, which is a non violent substitute to bloody revolution, from the period of British till the latest upsurge against the 10% Reservation for the poor in the upper castes.

Economic development and growth of every nation significantly depends upon its foreign trade. It is crucial for India too. Foreign trade of any nation is not consistent forever. It may vary from time to time. Adoption of any new policy reflects on the foreign trade and foreign exchange rate of the nation. The demonetization policy taken by government of India on 8th November 2016 brought about a drastic change on the Indian economy. Demonetization refers to the withdrawal of currency from circulation. This was taken by the government for the betterment of the economy and the country. But the policy made an immense change in the foreign trade of India. India is considered as one of the fastest emerging economies today. So any slight variation can cause a huge impact on each and every sector in the economy. International trade has a direct relation to the development of every nation and foreign trade is an unavoidable sector for India for its growth and development. So this paper attempts to throw a light on the impact of demonetization on foreign trade of India.

Human resources constitute the most valuable asset in the perspective of development in every organization. The study of human resource management practices has been an important and critical area in management and organizational performance from last several years especially in the banking industry. Human resource management (HRM) has emerged as a major function in organizations. HRM is the organizational function that deals with issues related to people such as, hiring, performance management, organization development, safety, wellness, benefits, employee motivation, communication, administration and training. The purpose of this study is to identify the need of human resource practices in bank as well as to know the human resource development programmes in banks, to know the working conditions in banks and to identify the contribution human resource practices towards improving the efficiency of bank employees in public sector banks. The study was conducted on the HRM practices in public sector banking in Tirunelveli District. The data collected from primary and secondary sources. Further, data to be classified, tabulated and interpreted to arrive at a meaningful and suitable results. And to give the recommendations for needful action to be taken by the authorities.

The study entitled “Digitalisation and Job Satisfaction among Bank Employees: A Comparative Study of Public and Private Sector Banks in Kerala” focused on public and private sector bank workers job satisfaction after the digitalization in the banking sector. Digitalization and job satisfaction is quite a different when it is considered as an entity. But have there is high correlation between digitalization and job satisfaction after the implementation of digitalization in the banking sector. The primary aim of digitalisation in the banking sector was made a core banking platform and after that the boundary of digitalization has been expanded. The present study has been designed to evaluate the workers’ occupation fulfilment after the digitalization in the banking sector. After the digitalization, the manual transactions related to the banking sector was reduced and made an intangible cable was linked between banks and customers.

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.

This paper is aimed at an overview In India, Nationalization of banks was done in 2 phases. The initial phase of nationalization commenced in the year 1955 when the former Imperial Bank of India became the State Bank of India with the Act of parliament. During the year 1959, 7 subsidiaries were nationalized, the second phase of nationalization started in the year 1969 with the nationalization of 14 main commercial banks in India. In the year 1980, six more commercial banks were nationalized & became public sector banks and recent the50 years of nationalization of banks. The paper discuss and concludes rationale for nationalization, the current challenges and the way forward.

In India the practice of mergers and acquisition has attained considerable significance in the contemporary corporate scenario which is broadly used for reorganizing the business entities. The online delivery platforms are expanding by choice and convenience allowing customers to order from a wide array of restaurants with the single tap in their mobile phones is currently undergoing a rapid change as new online platforms race to capture the local markets. India’s food delivery industry, brimming again with funds, will need to do just more to survive in the long-run than just amalgamated. After an initial hype and a slump that followed, the last 18 months has been significant increase in mergers and acquisition (M&A) in the space. This paper aims to focus on to study and understand how mergers and acquisition helps in the growth of acquiring business and studies the operational efficiency of the acquiring business before merge r and predict the future viability of the business .

Performance Appraisal Management System contributes a great deal in salary increments, training of employees, promotions, promoting harmonious relations and co-ordination between superiors and subordinates in most of the organization. If PAMS conducted properly, It not only enhances the performance of employees but also contributes a great deal to the improvement of the organization. Hence, an attempt is made here to study about the performance appraisal of the employees of Cethar Industries in Trichy.

Mergers and Acquisitions have emerged as a major force for developing financial and economic environment due to increased market competition both in national and international market, excessive interdependence of companies for different products and services etc. The entire business world is looking forward towards sustainable growth and development. Sustainability issues are gaining ground in terms of business transactions due to the combined efforts of the merged business undertakings. The primary objective for this research paper is to evaluate the impact of mergers and acquisition of the companies sector wise and to identify the factors affecting mergers and acquisition of companies in current scenario. For this purpose, researcher has analyzed the mergers and acquisitions in five different sectors by allowing for both pre and post business position of the amalgamated companies. Records are basically collected from secondary sources and compiled for an effective presentation.

Development of tourism has been given a high priority in the economic development programmes of the country since 1980s. The state of Kerala, which is now stylized as „God‟s own Country‟ in the global tourist map, has also accorded it a major position in order to reorient its economic development utilizing its natural green environment. Accordingly, development of tourism in all its variety including "beach tourism", "back water tourism", "village tourism", "ecotourism", "adventure tourism", "monsoon tourism", "heritage tourism", etc., is being promoted in the state. The Vagamon region is largely rural comprising tea plantations, forests and grasslands. The present scenario is pathetically poignant. The naturally formed streams are being blocked and the sudden huge inflow of people in large and medium vehicles that ply on 2 the silken hills have disturbed the natural quiet, have shaken the soil, loosened the rocky structures and disturbed the entire ecology of the area .The objective of this paper is to analyze the economic and environmental impacts of Vagamon tourism and to suggest measures to protect the tourist spot.

Social media is becoming an essential tool for the activities engaged in the business, which is at a very minimum level of investment, This phenomenon has influenced the corporate business world and there is an increase in the number of organizations joining the social media platforms. Organizations are spending considerable amount of their time, energy and money to build and maintain their social media public pages to improve their standing in the global business space across the world. Social media being a relatively new occurrence to the global business world hence the studies conducted in this area is limited and a most of them are based on the individual perspectives. Today 86 percent of marketers use social media as an indispensable tool for marketing endeavors. Marketers and sales teams alike are eagerly work to learn more about what are the special tools which are available to track returns on investment in media, and to implement new methods to satisfy the consumer needs. This study helps to understand the advantages, impacts and importance of Social Media on the performance and growth of the business.

Brand management begins by full a systematic information of the term “brand.” It comprises emerging a promise, construction that promise and maintenance the situation. It means defining the brand, standing the brand, and delivering the brand. Brand management is nothing but an act of creating and sustaining the brand. Branding makes customers committed to your business. A strong brand differentiates your products from competitors. It gives a quality image to your business. Brand management includes managing the tangible and intangible characteristics of the brand. In the case of product brands, the tangibles include the product itself, price, packaging, etc. Although in case of service brands, the tangibles include the customers’ experience.

Healthy and sound operations of banking business imperatively depends upon one strategic input is banking technology. Efficient financial intermediation in the context of overall development of economy and financial stability of banking sector is essentially resorts to adoption of the digital technology to transform results to rise of revenue, enhance of customer‟s service, minimise of cost structure and manage of enterprise risk ably. The macro-financial linkages and the micro-level sources are underlying the assets quality. Non-cash payments are set to overtake cash payments as digital transactions are growing exponentially

Microfinance deals a non-technical overview to the wide arrangement of whole financial and non-financial services of the world's poor. Micro finance programs for alleviating poverty in Karnataka. As a developing county, poverty is serious problems of Karnataka. Government and Non-Government Organization of the country are lunching poverty alleviation progammes in the country. . The result of the study showing that there is bordering influence of microfinance organizations just before the growth in the welfare of the households.

The present study is an attempt to find out the long range persistence of selected sample listed in BSE and NSE Sectoral Indices. To analyze the comparative study on Bombay Stock Exchange and National Stock Exchange (Special Reference with BSE Auto, Bankex & NSE Auto, Bankex ), Augmented Dickey Fuller Test, Phillips Perron Test for Stationarity, Autocorrelation, Normality test using Kolmogorov- Smirnov and Shapiro –Wilk Test, ARCH and GARCH model and Rescaled Range Analysis during the study period 01st April 2005 to 31st March 2017 of selected Sectoral Indices listed in Bombay Stock Exchange and National Stock Exchanges.. The findings of the study indicated that there is a persistence of long range memory in selected sample return of BSE and NSE during the study period.

A structural and vibrational analysis of the 4-(2,5-di-2-thienyl-1H-pyrrol-1-yl) benzoic acid (TPBA), was carried out by ab initio calculations, at the density functional theory (DFT) method. Molecular geometry, vibrational wave numbers and gauge including atomic orbital (GIAO) 13C NMR and 1H NMR chemical shift values of (TPBA), in the ground state have been calculated by using ab initio density functional theory (DFT/B3LYP) method with 6-311G(d,p) as basis set for the first time. Comparison of the observed fundamental vibrational modes of (TPBA) and calculated results by DFT/B3LYP method indicates that B3LYP level of theory giving yield good results for quantum chemical studies. Vibrational wave numbers obtained by the DFT/B3LYP method are in good agreement with the experimental data.

Today the sector has emerged as the first degree, and we are shifting ahead with the common motive of shielding the surroundings and attaining sustainable improvement. The new marketing philosophy is getting stronger some of the hundreds, and this mindset of the clients has forced the enterprise fraternity to rethink and plan their techniques to do their businesses in a more revolutionary and environmentally pleasant way. This paper targeted some critiques of green marketing and advertising, idea, new green projects in India and unique advertising blend. This paper moreover highlighted the destiny prospects of Green marketing in India.

Microfinance deals a non-technical overview to the wide arrangement of whole financial and non-financial services of the world's poor. Micro finance programs for alleviating poverty in Karnataka. As a developing county, poverty is serious problems of Karnataka. Government and Non-Government Organization of the country are lunching poverty alleviation progammes in the country. . The result of the study showing that there is bordering influence of microfinance organizations just before the growth in the welfare of the households.

Today the sector has emerged as the first degree, and we are shifting ahead with the common motive of shielding the surroundings and attaining sustainable improvement. The new marketing philosophy is getting stronger some of the hundreds, and this mindset of the clients has forced the enterprise fraternity to rethink and plan their techniques to do their businesses in a more revolutionary and environmentally pleasant way. This paper targeted some critiques of green marketing and advertising, idea, new green projects in India and unique advertising blend. This paper moreover highlighted the destiny prospects of Green marketing in India.

Most of the population of India lives in rural areas. The rural people have not awareness about the different financial services provided in our country. Majority of rural population is not included in inclusive growth. The financial inclusion become a challenge for Indian Economy. Since 2006, many schemes and measures are initiated by RBI and Govt. of India in favor of financial Inclusion but the impact of there did not yield satisfactory results. The rural sector present a real challenge given its technologies backwardness and mass illiteracy as people are still caught in ancient financial system that were both exploitative and furtile. Financial inclusion is an attempt to provide financial access and services to weaker section and low income groups. Financial sector development is a driver of a economy growth which indirectly reduce poverty and inequality and affordable and appropriate services can improve the welfare the people. The study is to identify impact of financial inclusion and how financial inclusion can help in the improvement of financial literacy and reduction of poverty. So the aim of this paper to focus as utilizing the resource like mobile phones, Banking technologies and create awareness about the financial inclusive scheme like PradhanMantriSurkakshaBimayojna, Atal Pension Yojana, PradhanMantriJeevanJyotiBimaYojna. The objective is to study the Initiatives taken by govt. for strengthening financial inclusion in the country. The study is based on secondary data collection.

Online recruitment has developed keen on a cost and time efficient suggestion for the HR departments for searching and hiring potential talents. in spite of its advantages, Onlinerecruitment has so far failed to create appreciable response from job-seekers across the world due to perception about need of reliability of the intermediate over traditional media such as newspaper advertisements and employment. Studies have also shown that poor design of online recruitment websites can have negative impression on job seeker s attitude towards the portals and may lead to their reluctance to apply for the jobs posted in such websites.

Rural marketing is a process which start with a decision to produce saleable farm commodity and it involve all the aspect of market system and involve pre harvest and post harvest operation such as assembling,grading,storage, transportation and distribution fertilizers and pesticides, cattle feed and agricultural machinery. More than 50% of the national income is generated in rural India and there are opportunities to market modern goods and services in rural areas and also market agricultural products in urban areas. In fact it has been estimated that the rural markets are growing at five times the rate of urban markets. About 70% of bicycles, mechanical watches and radios and about 60% of batteries, sewing machine and table fans are sold in rural India. The villagers have not only adopted the modern ways of agriculture as a business but also have accepted modern living. Apart from the food items, they are involved in buying durable products.

Online recruitment has developed keen on a cost and time efficient suggestion for the HR departments for searching and hiring potential talents. in spite of its advantages, Onlinerecruitment has so far failed to create appreciable response from job-seekers across the world due to perception about need of reliability of the intermediate over traditional media such as newspaper advertisements and employment. Studies have also shown that poor design of online recruitment websites can have negative impression on job seeker s attitude towards the portals and may lead to their reluctance to apply for the jobs posted in such websites.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Digital marketing is a broad term which refers to the promotion of products or brands via one or more forms of electronic media. For instance, advertising mediums that might be used as part of the digital marketing strategy of a business could include publicity efforts made via the Internet, social media, mobile phones and electronic billboards, in addition to digital, television and radio channels. Digital marketing, which is also called online or internet marketing, involves the use of interactive, virtual spaces for the sake of promoting and selling goods and services. Internet-based communication expertise had contributed to the restructuration of major economic sectors including marketing. Being cost-effective, flexible, and fast and enjoying an on exceptional global reach, digital marketing has brought about different businesses absurd gains. This effective, new technique also embroils its special disadvantages, e.g. lack of personal contact, security and privacy, etc. which should be taken account for. Information technology has malformed the way people work.

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.

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.

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”

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 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.

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 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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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 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.

  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.                        

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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”.

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.

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 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.

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.

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.

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.

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.

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.

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…

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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 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.

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 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. .

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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

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

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.

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.

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

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 e