Journal Issues

Abstract
The post-liberalization phase in India has gone through plenty of changes in the marketplace. The transition phase has created the concept of “Holistic Marketing” in contemporary times. Quality advancements, media revolution, technological advancements service culture, and healthy competition among firms to satisfy the consumers have educated the customers like never before. The main objective of this study is to identify factors (demographic factors and behavioral factors) influencing consumer attitudes toward these products. For this purpose, 100 respondents were selected by using the Area Probability Sampling method with an association of Judgment Sampling and data gathered from them through questionnaires and personal interviewing. The findings showed the majority of the consumers for these products were young generation people especially students and working people below 40 years who belong to a nuclear family with moderate monthly income level. It was also found that television was the major source of medium for consumer awareness, and the interest of consumers towards these products was instant consumption, timesaving, taste, and convenience to use them as snacks. Therefore it is recommended that these food manufacturers pay much attention to attractive packaging, health and nutrients, and quality and intermediaries should stress effective sales promotion activities to increase the consumption of these products and sustainability. Instant Cooking food products play a key role among the people in today's busy lifestyle. It is observed that there is a huge flow of products into the consumer market in Chennai city. The present study attempted to analyze the consumer behavior towards taste and preference of Instant Food Products by individual households and to predict the demand for Instant Food Products. All the respondents were aware of pickles and Sambar masala but only 56.67 percent of respondents were aware of the Dosa/Idli mix.
Keywords: Consumer Attitudes, Impulsive buying, Instant cooking

Abstract
The household sector represented by individuals occupies a strategic place among various economic units in a country as it contributes substantially to domestic savings efforts. An understanding of the savings behavior of this sector is of crucial importance in devising appropriate savings policies. Several investment avenues are available to the individual investors. Among them shares are considered as best investment avenues since they offer a higher rate of return, risk-bearing capacity, investor awareness, and selection of investment pattern, the researcher was taken by the attitude of the individual investor‟s behavior in Chidambaram Taluk of Cuddalore District, Tamil Nadu. The attitudes of the sample individual investors have adopted assessed with the help of five-point scaling technique

Abstract
Asset liability management is a significant task for banks and financial institutions because of volatile global financial markets, the propagation of new financial products, and changing regulatory environments. Asset-liability management of commercial banks may be defined as the concurrent development of all asset and liability positions on the bank's balance sheet under deliberation of the different bank management objectives and lawful, managerial, and market constraints, for enhancing the value of the bank, providing liquidity, and extenuating interest rate risk. Scheduled commercial bank in India plays a significant role in the distribution of credit and mobilization of deposits. This study has been carried out to test the logic behind the management of assets and liabilities of Indian scheduled commercial banks. Public sector banks, private sector banks, and foreign banks are considered for the study. Three financial years starting from 2009 to 2011 have been selected and all bank's balance sheets are analyzed for the sample period. To know the quantum of asset liability management canonical correlation analysis has been performed, and redundancy factors show the effective management of assets or liabilities. This study concluded that all scheduled banks effectively manage their assets and liability management is dependent on asset management.
Keywords used: Asset liability management, scheduled commercial banks, canonical correlation analysis, public sector banks, private sector banks, foreign banks.

Abstract
Although there have been challenges to higher education in the past, these most recent calls for reform may provoke a fundamental change in higher education. This change may not occur as a direct response to calls for greater transparency and accountability, but rather because of the opportunity to reflect on the purpose of higher education, the role of colleges and universities in the new millennium, and emerging scientific research on how people learn. This disparate literature has not been tied together in a way that would examine the impact of fundamental change from the policy level to the institutional level and the everyday lives of college and university administrators, faculty, and students. Now the time has come to create a second wave of institution-building and excellence in the fields of education, research, and capability building. We need highly educated people who are skilled and who can drive our economy forward. When Tirunelveli can provide skilled people to the outside world then we can transfer our country from a developing nation to a developed nation very easily and quickly.
Keywords: Higher educational tool, innovation in education

Abstract
Human life is the most important asset and life insurance is the prominent type of insurance that provides financial protection to an individual and his family at the time of uncertain risks/damage. Apart from providing safety & protection to individuals’ life insurance also encourages savings among people. The present exploratory and descriptive study was selected to identify the role of life insurance in human lives and also analyze the profitability aspects of a traditional/conventional and ULIP policy. Also, the investment mechanism of the life insurance fund created by collecting the premium from the insured by the insurer is analyzed. The data for the study has been collected from secondary sources. The study also shows that the insurers have maintained at all times a prescribed minimum level of solvency as a protection to the policyholder’s legitimate interest concerning the investment mechanism of life insurance. The study regarding the profitability aspects of a traditional ULIP policy shows that the choice depends on an individual’s financial goals, needs, and appetite. For a passive investor who does not want to take risks and looks for secured returns and more tax-saving instruments, traditional insurance could be a good asset. Whereas people who look for investments are willing to take risks & expect more returns, a combination of traditional policy, equity, and mutual fund in the investment portfolio (ie. ULIP policy), would be better as it will fetch better returns, balance your wealth and diversify the risk.
Keywords: Life Insurance, Insurance Policy, Traditional / Conventional Policy, Investment Mechanism, Life Insurance Fund, Equity, Debt, NAV.

Abstract
Women have been successful in breaking their confinement within the limits of their homes by entering into varied kinds of professionals and services women entrepreneurs have proved to be on par with their male counterparts in business acumen and are emerging as smart and dynamic entrepreneurs. Women-owned businesses are highly increasing in the economies of almost all countries. The hidden entrepreneurial potentials of women have gradually been changing with the growing sensitivity to their role and economic status in society. Skill, knowledge, and adaptability in business are the main reasons for women to emerge into business ventures‟ Women Entrepreneur‟ is a person who accepts a challenging role to meet her personal needs and become economically independent. The state of Tamilnadu is an industrially developing area in which some of the entrepreneurs excel in small-scale industry. Thus, the study aims to undertake entrepreneurial development among women highlighting their motivational forces and the relationship between socio-economic background of women entrepreneurs, motivational factors, and their existing entrepreneurial traits. The future will see more women venturing into areas traditionally dominated by men. The socio-background including factors, type, and mode of business, training programs are the important problems of women entrepreneurs in Thanjavur District