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The Impact of Demonetization on Bengaluru’s Retail Vendor Market
Vinod Kumar M, Eshwarankrishnaswamy, Stevon Jose
Pages: 1-8 | First Published: 04 Jan 2018
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A Study on Interrelations Among Service Quality, Customer Perceived Value and Loyalty Intention in E-Tail Service Quality
C.Balamuralikrishnan
Pages: 9-15 | First Published: 05 Jan 2018
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Abstract
Digital India is a new initiatives launched by our government of India for improving the nation digitally. It creates number of avenues to the business man nationally and globally to do their business virtually without any interruption. In the wake of “Digital India” the e-commerce business is looking for their brighter future in virtual market place. In this competitive environment it is necessary for businessmen to improve their e-services. So, the e-service qualities become apparent to give a best service to the customers/consumers virtually. So, the researcher made this study among college students to identify the relationship among Service quality, customer’s perceived value and Loyalty intention to understand and serve the customers of e-tail. Hypotheses were created based on the previous studies and tested with Pearson correlation and Regression. This study shows that there are meaningful relationships between the two sub dimensions of E-service Quality and Perceived Value. The correlation analysis shows that the Privacy and System availability factors are have low correlation with the perceived value. The perceived value is also having a significant effect on the Loyalty intention of the customers.

References
1) Bauer, H. H., Falk, T., & Hammerschmidt, M., 2006. E-TransQual: A transaction process-based approach for capturing service quality in online shopping. Journal of Business Research, 59, 866-875.
2) Engel, J., Blackwell, R., & Miniard, P. (1990), Consumer behavior, The Dryden Press, New Jersey.
3) Fuentes-Blasco, M., Saura, I., Berenguer-Contrı, G., & Moliner-Vela´zquez, B. (2010), Measuring the antecedents of e-loyalty and the effect of switching costs on website, The Service Industries Journal, 30,11, 1837-1852.
4) Ho, C., & Lee, Y. (2007). The development of an e-travel service quality scale. Tourism Management, 28, 1434-1449.
5) Jeon, M., (2009). “Impact of perceived website service quality on customer e-loyalty on a lodging website”. Unpublished doctoral dissertation, Iowa State University.

Child Labor in Urban Informal Sector of Madurai City of Tamilnadu State
P.Paramasivam
Pages: 16-23 | First Published: 05 Jan 2018
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Abstract
India got independence before 70 years. Till now India has n number of policy and acts for eradicate the poverty and eradicate the child Labour in the country. But still child Labour is exists in India. This is not for India alone; Child Labour still exists in all the developing countries in the world. India has 43,53,247 lakhs of child Labour approximately (Census Data 2011). Hence the study focused on socio economic condition, causes for child labour and working status of child Labour in Madurai city of Tamilnadu state. This paper makes use of primary and secondary sources, primary date collected through structured questionnaires by interview schedule. Secondary sources collected from journals and Published Reports. The study found that majority of the child Labour belongs to socially backward communities. Most of the children causes into enter to work was social cause and the poverty. All of children fathers has consuming alcohol in the study area. Also the study examine the drug habit child Labour and non drug habit child labour as well the rescued child Labour and non rescued child Labour in Madurai city of Tamilnadu state in India.
Key Words: Child Labour, Urban Informal Sector, Madurai, Hazardous Child Labour, Drug habit child Labour.

References
1) ILO Report on Global Estimates of Child Labor (2017), Published by International Labor Organization.
2) Das Saswati (2012), “Child Labor and Child Work: Pattern, Depreciation and Determinants”, Indian Journal of Labor Economics, Volume No: 55, Issue No: 2 pp:307-323.
3) ILO Hand Book on Hazardous Child Labor (2011) Published by International Labor Organisation.
4) Helen R. Sekar (2010). “Forced Labor: A Study of Children at The Traffic Lights”, Published by V.V. Giri National Labor Institute, Noida.
5) Varghese Dr. Rajan (1998), “Child Labor Law, An Overview”, Published by V.V. Giri National Labor Institute, Noida. Census Report 2011

Correlates Between Work Life Balance and Factors Causing Work Life Imbalance Among Women Teaching and Non-Teaching Staffs of Schools in Puducherry
Sankar.R
Pages: 24-31 | First Published: 05 Jan 2018
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Abstract
Work life balance is affected by certain factors both positively and negatively. In order to test the relationship between work life balance and factors having negative impact on it has been discussed in this study. So, certain factors such as multiple role conflict, poor work atmosphere, low quality of life, excessive job demands and excessive family demands were considered as the factors causing work life imbalance. For this purpose, data were gathered from 100 women teaching and non-teaching staffs working on various schools in Puducherry region has been analyzed. Correlation and regression were used for statistical analysis. The study has found out that except family demands has a negative relationship with work life balance and it is the highly influencing variable over work life balance. Suggestions to remove these work life imbalance factors were also provided accordingly. Keywords: Work life balance, factors causing work life imbalance, multiple role conflict, work atmosphere, quality of life, job demands, family demands.

References
1) Abdulmonem Hamdan Alzalabani., (2017), “A Study on Perception of Quality of Work life and Job Satisfaction: Evidence from Saudi Arabia”, Arabian Journal of Business and Management Review 7(2): 294-303.
2) Dean, Hartley and Couldry, Alice (2006), “Work life balance in a low income neighborhood”, CASE Pape, CASE/114. Centre for Analysis of Social Exclusion.
3) Delina. G, & Raya. P (2013), “A Study on Work-Life Balance in Working Women”, International
Journal of Commerce, Business and Management 2(5): 274-282.
4) Gail Kinman, Fiona Jones, (2008) "Effort‐reward imbalance, over‐commitment and work‐life conflict: testing an expanded model", Journal of Managerial Psychology 23(3): 236-251.
5) Greenhaus J.H., Collins K.M. & Jason D. Shaw (2003), “The relation between work-family balance and quality of life”, Journal of Vocational Behavior 63:510-531.

Dividend Declaration and its Impact on Shareholder’s Wealth A Study on Selected Listed Hotels in India
Anson K.J
Pages: 32-38 | First Published: 05 Jan 2018
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Abstract
Dividend declaration is considered as one of the key focus areas of any listed organization's financial decision making. Dividend is the amount paid by the company from its profits to the shareholders with respect to their shareholding. This research tries to study about the dividend declaration and its impact on shareholders wealth of listed hotels in India. The data collected is from the annual report of the listed hotels for the last six years starting from 2011 to 2016. The hotels are used for the study is listed in NSE or BSE. The study tries to understand the effect of dividend on share prices and wealth maximization of the selected listed hotels. From the growing hotel industry it is found that the companies are more focusing on the wealth maximization and there is a positive relation between dividend declarationof the listed hotels and shareholders wealth.
Key words: Dividend Declaration, Listed Hotels, Wealth Maximization.

References
1) Ajanthan,(2013).Relationship between Dividend Payout and Firm Profitability Study of Listed Hotels and Restaurant Companies in Sri Lanka. International Journal of Scientific and Research Publications.
2) Azhagaiah, R. (2008).The Impact of Dividend Policy on Shareholders Wealth. International Research Journal of Finance and Economics.
3) dalboor, m. c. (2007). An Examination of Dividend Policy in the U.S. Restaurant Industry. Journal of Foodservice Business Research.
4) Chowdhury, (2009).Performance evaluation of selected private commercial banks in Bangladesh. International Journal of Business and Management.
5) Khan. (2011).Can dividend decisions affect the stock prices a case of dividend paying companies of KSE. International Research Journal of Finance and Economics..

Public Service Accountability in A Parliamentary Democracy
Dr. S. L. Sreekumar
Pages: 33-239 | First Published: 05 Jan 2018
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Abstract
In India widely recognized that governance today faces a serious crisis of accountability. The very fact that despite significant economic growth, and substantial increases in social sector expenditures, India continues to perform far worse than countries much poorer than her on key development parameters is an indicator of just how deep the problem of accountability is. The paper is makes the uses of secondary sources from published and unpublished journals and reports. The study briefly discussing on Understanding Accountability, Weak accountability of policy makers In India, Weak Accountability of service providers, Institutional design for Accountability, Regular, reliable and relevant information, Why Accountability, The Bases of Legitimacy, The Legislative Rationale, The Control or Accountability Rationale, Parliament Democracy with respect to the Public service accountability
Key Words: Public Service Accountability, Parliament, Democracy

A Study on Stress Management of Private Security Guards with Special Reference to Chennai City
M. Kamaladevi
Pages: 39-47 | First Published: 05 Jan 2018
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Abstract
Stress refers to a state of mental or emotional strain or tension resulting from adverse or demanding circumstances. In our speedy paced world, it is unattainable to live without stress. This study analysed the stress level of private security guards in Chennai city. Randomly selected 400 respondents from Chennai district and conducted descriptive cum analytical research to examine the sources and symptoms of stress.Researcher has adapted the questionnaire as scheduled method. This study has been found that total 94% of respondents had back pain / joint and leg pain in that 56% of respondents suffer often and 38% of respondents suffer some time back pain / joint and leg pain. Muscle ache and tension / headache are the other major symptoms of stress, spending time with family, balanced diet, exercise and rest, financial motivation are being more preferred method to control over the stress among the security guards in Chennai city.
Keywords: Stress, Private security guards, sources and symptom of stress.

References

1) Ahmad, A., &Mazlan, N.H. (July 20, 2013). Identifying types of mental health problems and aggression among security guards: Are they totally safe. Psychology and Behavioral Sciences, 2(3), 130-137, doi: 10.11648/j.pbs.20130203.18. 

2) Al-Alawi, A.I., & Al-Alawi, E.I. (August, 2014). Measuring occupational stress among management information systems workers and users in the financial services sector: the case of Bahraini bankers. International Journal of Scientific and Research Publications, 4(8), 1-25, ISSN 2250-3153. 

3) Alegbeleye, G.I., et al. (December, 2014). Stress management and employees’ welfare: the implication on performance. Review of Public Administration and Management, 3(6), 191-203, ISSN: 2315-7844 

4) Chaichi, A., et al. (1 July, 2016). Evaluation and comparison of job stress among security workers with fixed and shift work schedules in Municipality of Tehran. International Journal of Human Capital in Urban Management, 1 (3), 199-208. 

5) Kundaragi, P.B., & Kadakol, A.M. (2015). Work stress of employee: a literature review. IJARIIE, 1(3), 18-23, ISSN(O)-2395-4396.

Factors Influencing the Investment Culture: A Study of Thalikulam Panchayath
Krishna M B
Pages: 48-52 | First Published: 05 Jan 2018
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Abstract
Investment culture among the people of a country is an essential prerequisite for capital formation and the faster growth of an economy. Investment culture refers to the attitudes, perception and willingness of the individuals and institution in placing their savings in various financial assets more popularly known as securities. The major objective of investor is to invest in a variety of investments that deliver expected returns and meets the risk preferences. Financial literacy is one of the essential requirements for selecting the best investment option. The present study makes an attempt to examine the various factors influencing the investment culture of people in Thalikulam Panchayath of Thrissur district. It is designed as a descriptive one mainly based on primary data. The profiles of the respondents of the study are examined using the variables like gender, age, occupation, educational status, monthly income, distribution of investment amount. The result of the study reveals that the level of financial literacy, Age and gender of the respondent had a significant positive impact on investment culture.
Keywords: Investment, financial Literacy, Investment Options, investment decision.

References

1) Daniela, Laura. (2011). The saving and investing consumer behavior analyses on the Romanian financial market. Annals of the University of Oradea. Economic Sciences, 2, 798–804. 

2) Jain, Dhiraj&Mandot, Niklhil. (2012). Impact of Demographic Factors on Investment Decision of Investors in Rajasthan. International Refereed Research Journal, 2(3), 81-92 

3) Mehta, Kiran&Renuka Sharma. (2015). Individual investors’ behavior: In demographical backdrop. SCMS Journal of Indian Management, 12(3), 25-36. 

4) Praba, R. Suyam. (2011). Investors’ decision making process and pattern of investments – A study of individual investors in Coimbatore. SIES Journal of Management, 7(2), 1–12. 

5) Sahi, ShaliniKalra, Ashok Pratap Arora & Nand Dhameja. (2013). An exploratory inquiry into the psychological biases in financial investment behavior. Journal of Behavioral Finance, 14, 94–103.

FDI in Retail Sector: Opportunities and Challenges
Dr.Thushara George
Pages: 53-58 | First Published: 05 Jan 2018
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References 

1) Department of Industrial Policy and Promotion, 2010. “Foreign Direct Investment (FDI) in Multi- 

2) Dube, Arindrajit, Lester, T. William and Eidlin, Barry, 2007. “Firm Entry and Wages: Impact of Wal- Mart Growth on Earnings Throughout the Retail Sector.” 

3) Basker, Emek, 2005a. “Job Creation or Destruction? Labor Market Effects of Wal-Mart Expansion,” Review of Economic Statistics, Vol. 87, No. 1, Pages 174-183. 

4) Basker, Emek, 2005b. “Selling a Cheaper Mousetrap: Wal-Mart's Effect on Retail Prices,” Journal of Urban Economics, Vol. 58, No. 2, pp. 203-229. 

5) Basker, Emek, 2007. “The Causes and Consequences of Wal-Mart's Growth.” Journal of Economic Perspectives, Vol. 21, No.3, pp. 177-198.

Demystifying Online Healthcare Services
Dr.K.Krishnakumar
Pages: 59-67 | First Published: 05 Jan 2018
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Abstract
In the modern scenario of electronic and digital world there is an impact on various sectors which includes health care too. Previously during 90s there was a dramatic and radical development and transformation from conventional method of working system into computerized system in every business. In 21st century it has been developed as E, M and U services. The developments of E-services are reflected into online health services in healthcare industry which providers lot of benefits to the patients. In India now it is in growing stage and providing spectacular services throughout the country. Almost 50 online health care service operators provide service in India through web portals. Through the web portals the users are able to get various clarifications and doubts for their queries about various diseases. Therefore, it is essential to know the people’s awareness and expectations on online health care services or E- health care Service. In this research study the researcher has made an attempt with the objectives to find the awareness, expectation and satisfaction level of the people those who are living in a urban based rural economy particularly with reference to Salem district about online health care services. For conducting the research both primary and secondary data is utilized. The primary data is collected through interview schedule by the way of applying proportionate random sampling technique and outcome of the research is presented through SEM model.
Key Words: Health Service, E-Services, health industry, M-services, U-Service.

References

1) Seema Bansode Gokhe, Vinita Gaikwad, Pankaj Mudholkar, Sujata Pol (2016), ―Study of Awareness and use of Information Technology amongst Healthcare Practitioners in Tertiary Healthcare Hospital in Metropolitan City‖, International Journal of Computer Applications, Pp; 24-28. 

2) Birla B, Taneja U. Public private partnerships for healthcare delivery in India. Internet J World Health Soc Polit 2010;7:1. 

3) Role of health insurance policy on rural people in Tamil Nadu, dr. B. Yasodha Jagadeeswari, ―International Journal of Multidisciplinary Research Review‖, Vol.1, Issue.5, July-2015..

Issues in Service Quality on Event Management Practices (A Study with Reference to Unorganized Event Management Practitioners in Salem District)
Dr.K.Krishnakumar
Pages: 68-73 | First Published: 05 Jan 2018
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Abstract
The preparation of a budget is an essential part of event management. It is fundamentally important that Event practitioners are able to predict with reasonable accuracy whether the event will result in a profit, a loss or will break-even. The achieved by identifying and costing all probable expenditures and by totaling all expected revenues. The objective of the study is to know the personal details of unorganized event management practitioners and to study the company profile of the unorganized event management practitioner, finally to analyze the service quality issues in event management practice. The primary research was done by using structured interview schedule using convenient sampling 85 practitioners of Salem district. The interview schedule contains questions to measure unorganized event management practitioner personal details and service quality related issues in event management practice. Simple Percentage and T-test were used to analyze the data.
Key Words: Events, Management, Profession.

References

1) SPSS 17.0 for researchers, Dr.S.L.Gupta and Hitesh Gupta, International Book House Pvt. Ltd. Pp. 70-85.

 2) Kulkarni, Neelambika, “An All-Party Medium”, Brand wagon, Financial Express, August 11, 1995. 

3) Banum, Henry, the Publicity Handbook, 2nd, Arcade Publications, USA, 1992. 

4) Tallon, A.F, Fashion Marketing and Merchandising, 3rd ed., Sequoia Books, 1986. 

5) Anonymous, “event Stars Seek New Status”, The Economic Times-Brand equity, March 29th- April 4th 1995.

Health Services and the Impact in Hong Kong
Niharika Bohra
Pages: 74-77 | First Published: 05 Jan 2018
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Abstract
This article aims to explore why Hong Kong has a very high standard in healthcare services. The life expectancies in Hong Kong are very high in both male and females. The main reasons for Hong Kong having the best medical system in the world is owing to its technological advancement in the field of medicine. The government has played a vital role in improving the health care services in the nation.
Keywords: Health care, Chronic disease, Quality care and life expectancy

References

1) Carrie HK Yam, 1. E. (2010, November 17). National Center for Biotechnology Information 

2) Chung, K. ( 2016, october Wednesday). Chronic illness affects more than 25 per cent of population. 

3) Ng, B. (2011). Establishment of an innovative CHCC in Hong Kong to prevent avoidable hospitalisations.

Economic Empowerment of Women on Self Help Group in Tamilnadu
Dr. R. Leelavathy
Pages: 78-83 | First Published: 05 Jan 2018
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Abstract
Empowerment is a multi-dimensional process, which should enable women or group of women to realize their full identity and power in all spheres of life. At Present 50 percent of world population and receive 10 percent of the world income and own even less than 1percent of the world’s property. They suffer many disadvantages as compared to men in terms of literacy rates, labour participation rates and earnings. Empowerment of women has emerged as an important issue in recent times. . Empowering women particularly rural women is a challenge. Women are economically empowered through small scale entrepreneurship programme with the help of Self Help Movement. J. Cooper, famous Anthropologist has defined the position of women in more scientific way as “Status of women in any society depends on her recognized rights, duties, liberties and opportunities – chiefly in the domestic, economic, social, political and religious spheres”. Economic empowerment of women led to the empowerment of women in several aspects such as socio- economic opportunity, property rights, political representation, social equality, personal rights, family development, and community development and at last the nation development. The SHGs are voluntary associations of people formed to attain some common goals. This paper looks into the impact of Self Help groups in the upliftment of women status through their contribution to the empowered society. The present study highlights to evaluate the Economic Empowerment of Women through SHGs in TamilNadu.
Keywords: Economic Empowerment, Rural Women, Demographical Justice, Literacy Rates, Poverty etc.

References

1) Alleman P. What Difference Does Gender Make? 2010. 

2) Alsop R, Heinsohn N. Measuring empowerment in practice: structuring analysis and framing indicators. World Bank 2005. 

3) Batliwala S. Taking the power out of empowerment: An experiential account. Development in Practice 2007:557‐565. 

4) Commission of Women and Development. The Women Empowerment Approach: A Methodological Guide. 2007. 

5) Eyben R. Conceptualising Policy Practices in Researching Pathways of Women’s Empowerment. Pathways Working Paper 2008;1.

Quality of Work Life in Coal Industry - A Selected Study of SCCL, Ramagundam
Dr.E.Raju
Pages: 84-89 | First Published: 05 Jan 2018
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Abstract
Quality of work lifedenotes all the organizational inputs which aim at employee satisfaction and enhancing organizational effectiveness. Quality of Work Life is a process by which an organization responds to employee needs for developing mechanisms to allow them to share fully in making the decisions that design their lives at work.Coal mining is one of the most arduous and hazardous operations as miners are not only exposed to dangers from mining hazards like explosions, inundations, roof falls, noxious gases etc. but also prone to various diseases like pneumoconiosis, mining nystagmus, dermatitis, hook warms and the like. The day-to-day working environment is far from congenial. Below ground, the miner is exposed to perpetual darkness, forced ventilation, water logging, humidity and extreme temperatures. Even above ground, working conditions and other civic amenities are not up to the required level. On the positive side, the company provides all the required facilities as per the Mines Act, 1952 besides making good payments in the form of wages, salaries and other benefits. However, these benefits cannot equate the relentless efforts of employees who work under odd conditions. In view of this, an attempt is made in this article to understand the quality of work life of employees in SCCL of Ramagundam area.
Keywords: Wages, Promotions, Quality of work life, Safety, Working Conditions

References

1) SatheeshVarma, M (2015), “Quality of Work Life and work motivation among Garment sector executive employees”, The International Journal of Indian Psychology, 3(1), 111-119. 

2) Sev Joseph Teryima, AvanengeFaajir and Emakwu John (2016), “Examining employee Quality of Work Life (QWL) as a determinant of managerial effectiveness in business organisations: A Study of Nigeria Breweries plc, Lagos”, The Business and Management Review, 7(3), 268-281. 

3) ShefaliSrivastava and Rooma Kanpur (2014), “A Study on Quality of Work Life: Key Elements and Its Implications, IOSR Journal of Business and Management, 16(3), 54-59. 

4) Sheikfareeth, S (2016), “A Study on Quality of Work Life of Tasmac employees in Dindigul City”, International Journal of Economics and Management Sciences, 5(3), 1-3, doi:/10.4172/2162-6359.1000329 

5) Sorabsadri and Conrad Goveas (2013), “Sustainable Quality of Work Life and Job Satisfaction [An Indian Case Study]”, Elite Research Journal of Education and Review, 1(5), 48 - 54.

Financial Inclusion with the Aid of Technology
L. Balaji
Pages: 90-93 | First Published: 05 Jan 2018
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Abstract
Financial inclusion is delivery of banking services at door steps or at easily accessible location to low income and disadvantaged section of people in society at an affordable cost. Business Correspondents or Bank Mitras are engaged by Banks to provide basic banking services to people of unbanked areas. All BC’s are provided with POS machines or Micro ATM’s which are working on the GPRS connectivity and are capable of doing smart card and Aadhar enabled transactions. These machines are capable of doing transactions and enrolments on real time basis. Technology plays a vital role in Financial Inclusion. The study attempts to understand benefits of Financial Inclusion facilitated by Technology. Results reveal that rural people have benefited through Financial Inclusion with the aid of technology. Basic Savings Bank accounts are opened by BC’s at their door steps and rural people are enjoying basic banking services. Self Help Group members are acting as BC’s and serve in rural areas. People also trust them since BC’s are also belong to that locality. Village people developed habit of regular savings in Bank by opening Recurring deposits.
Key words: Bank Mitras, Financial inclusions, Technology, SHGs.

References

1) Bali Swain, Ranjula. "Can Microfinance Empower Women?: Self-Help Groups in India." Dialogue 37, no. May (2007): 61-82. 

2) Jakimow, Tanya, and Patrick Kilby. "Empowering women: A critique of the blueprint for self-help groups in India." Indian Journal of Gender Studies 13, no. 3 (2006): 375-400. 

3) Karmakar, Krishna Gopal. Rural credit and self-help groups: micro-finance needs and concepts in India. Sage Publications India Pvt Ltd, 1999. 

4) Kropp, Erhard W., and B. S. Suran. "Linking Banks and (Financial) Self Help Groups in India-An Assessment." (2002). 

5) Reddy, C. S., and Sandeep Manak. "Self-help groups: A keystone of microfinance in India-women empowerment and social security." Andhra Pradesh Mahila Abhivruddhi Society (APMAS). India: Hyderabad (2005).

A Study on Financial Literacy Among College Going Girl Students of Kerala
Dr.Sneha Gopeekrishna
Pages: 94-98 | First Published: 05 Jan 2018
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Abstract
Financial literacy is often known to be the essential knowledge of financial matters and desirable at¬titudes which leads to outcomes related to money and finance .It is the ability to make informed judgments take effective decisions regarding the use and management of money. It enables individuals to improve their overall wellbeing and plans to secure their future. Students have tremendous scope to develop an ideal financial way of life that would tap their future earnings towards achieving financial wellbeing. The present study is conducted among 100 college going girl students at the undergraduate and post graduate levels in Arts and Science Colleges of Kottayam,Kerala with a view to understand their level of financial literacy with respect to their financial knowledge and financial Attitudes.
Key words: Financial Literacy, Financial Knowledge, Financial Attitude, College going Girl Students.

References

1) financial literacy: Evidence from the most literate state in India,’ International Review of Financial Analysis, vol. 48, issue C, pages 1-11 

2) Brenda, J. (2006), ‘College Students and Financial Literacy: What They Know and What We Need to Learn,’ Eastern Family Economics and Resource Management Association , University of Georgia; Athens, USA. 

3) Chen, H and Volpe, R. P. (1998). ‘An analysis of personal financial literacy among college students.’ Financial Services Review, 7(2), 107-128. 

4) Komal, GarimaYadav, Manju Mehta and Sudesh Gandhi. (2017). ‘Money Management Practices among Students, ‘International Journal of Commerce, Business and Management,ISSN 2319-2828,Vol.6,No.1,Jan-Feb 2017. 

5) Lusardi Annamaria and Mitchell Olivia S. (2014), ‘The Economic Importance of Financial Literacy: Theory and Evidence’, Journal of Economic Literature, 52(1), pp. 5–44.

Consumer Preference Towards Selected Luxury Products in Namakkal Town, Tamil Nadu
Dr. R. Mathavan
Pages: 99-103 | First Published: 05 Jan 2018
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References

1) Preeti tak and Ashish pareek in their article on “Consumer Attitude towards Luxury Brands” An empirical study

2) Consumer Behaviour, Perception And Attitude Towards Luxury Brands 

3) Predicting consumer‟s purchase intention towards luxury fashion brands by applying several personality traits 

4) Consumer attitude towards luxury brands an empirical study 

5) The impact of consumer personality traits on luxury brand market An empirical study on Closet consumers-Shweta kastiya

A Comparative Study on E –Banking Service of Public and Private Sector Banks in Kaniyakumari District
Jeniffa Justus
Pages: 104-110 | First Published: 05 Jan 2018
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Abstract
In the current scenario technology has transformed tremendous change in the last few years which will have greater influence on E-banking. It is growing rapidly and this has shifted the bankers towards E-banking to attract and target the potential customers. Therefore most of the bankers started to promote their product and services through internet for their end users. This study mainly focuses on a comparative study between Public and Private Banks towards E- banking. This is an analytical study based on the primary data which is collectedthrough questionnaire. Thus the present study is initiated with an internet banking users towards service quality were carried out among 150 customers and the data was collected from Public and Private Banks in Kaniyakumari district. Analysis like Percentage, Ranking, and ANOVA were used to know the various factors determining the quality towards banking sector. Key Words: E-banking, Service Quality and Banking Sector.

References
1. Agarwal, R., Raastogi, S., &Malhotra, A. (2009), “Customers’ perspectives regarding e -banking in an emerging economy”, Journal of Retailing and Consumer Services , Vol.16, Iss. 5, pp. 340-351.
2. Anthoney, R. (2004), “User Friendly E-Banking: A Survey of Online E-Banking Retail Initiatives”, Communications of the ACM , Vol. 47, Iss. 10, pp. 99-102.
3. Malhotra, P., & Singh, B. (2007), “ Determinants of Internet banking adoption by banks in India”, Journal of Internet Research , Emerald Group Publishing Ltd., Vol. 17, Iss. 3, pp.323-339.
4. Malhotra, P., & Singh, B. (2010) “An analysis of Internet banking offerings and its determinants in India ”, Journal of Internet Research , Vol. 20,Iss. 1, pp. 87.

A Gap Analysis on Consumers’ Expected and Perceived Services With Respect to Online Shopping at Chennai, Tamilnadu
Mr. P. Rajendra Prasad,
Pages: 111-116 | First Published: 05 Jan 2018
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Abstract
In today’s hectic world, the consumers do not have adequate time to shop their goods and services. They prefer for online shopping over conventional shopping. Along with the development of technology, E-commerce is gaining a leadership advantage in retailing goods and services. The study aims to measure the customers’ expected and perceived level of service from online shopping at Mylapore, Chennai. It mainly focuses on identifying the gap between the expected and perceived level of services towards online shopping. The research design was analytical in nature. Data was collected using structured interview schedule method. Judgment sampling technique was used to collect data from 100 respondents. Analyses such as reliability, descriptive statistics, paired t-test and Friedman test were used to measure the gap between customers’ expected and perceived level of services towards online shopping of goods and services. Data was presented in the form of tables. Based on the findings, it was found that there exists a gap between the expected and perceived level of services with respect to online shopping. Conclusions as well as suggestions were discussed.
Key words: Expected Service, Perceived Service, Gap Analysis, Online Shopping, Chennai, Tamilnadu

References

1. Hsin Hsin Chang, Su Wen Chen, (2008), "The Impact of Online Store Environment Cues on purchase Intention: Trust and Perceived Risk as a Mediator", Online Information Review, Vol. 32 Issue: 6, pp.818-841.
2. Cronbach, L.J. (1951) “Coefficient alpha and the internal structure of test”, Psychometrika, 16(3), Pp. 297-334.
3. Kotler, P., & Keller, K. L., “Marketing Management”, Upper Saddle River, N.J: Pearson Prentice Hall, 2009.
4. Mathwick, C., (2002), “Understanding the Online Consumer: A Typology of Online Relational Norms and Behavior”, Journal of Interactive Marketing, Vol.16, No. 1: 40-55.
5. Monsuwe, T.P.Y., Dellaert, B.G.C. and Ruyter, K.D., (2004), “What derives consumers to shop online? A literature review”, International journal of Service Industry Management, Vol. 15, No.1, pp. 102-21.

Comparative Effect of Different Intensity of Physical Fitness Exercises on Muscular Strength and Anaerobic Power of Obese School Boys
Mr. K. Chandrasekar
Pages: 117-124 | First Published: 05 Jan 2018
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Abstract
The prevalence of obesity in children and adolescents are increasing rapidly worldwide. A rising rate of obesity in epidemic proportions also brings about economic consequences and substantial healthcare costs. Regular physical activity positively affects the blood lipid and lipoprotein profile. The scientific understanding is that physical activity or planned exercise positively alters blood triglyceride levels. The study was to find out the Comparative effect of different intensities of physical fitness exercises on muscular strength and anaerobic power among obese school boys. Only 90 obese school boys were selected randomly as subjects from the selected Schools of Thoothukudi District. To identify the obese boys, the body mass index as suggested by World Health Organization (WHO) was used. The age of the subjects was restricted into 13 to 15 years. The selected subjects were divided into two experimental groups and a control group. No step was taken to equate the group in any manner. Group I underwent moderate intensity physical fitness exercise, Group II underwent high intensity physical fitness exercise, on three alternate days in a week for a period of twelve weeks and Group III acted as Control.The dependent variables selected for this study were muscular strength and anaerobic power. All the subjects were tested prior to and immediately after the experimentation on skill performance. The collected data from the three groups prior to and immediately after the training programme on selected criterion variables were statistically analyzed with dependent ‘t’ test and analysis of covariance (ANCOVA). Whenever the ‘F’ ratio for adjusted test was found to be significant, the Scheffe’s test was applied as post-hoc test to find out paired mean difference. In all the cases 0.05 level of significant was fixed. The result of the study also revealed that there was a significant improvement on muscular strength and anaerobic power after the moderate and high intensity physical training groups and significant difference was found between the training groups on muscular strength and anaerobic power in favour of high intensity physical exercise training groups. Key Words: moderate intensity physical exercise, high intensity physical fitness exercise, Muscular Strength, Anaerobic Power and Obese.

References

1) Gilmore C.P., (1981), Exercising for Fitness, Canada: Time-Life Books Inc.,
2) Morrow, James R., et al., (2005), Measurement and Evaluation in Human Performance, (3ED), Champaign Illinois: Human Kinetics Publishers Inc.,
3) Singh Hardayal., Science of Sports Training. New Delhi: D.V.S. Publications, 1991.
4) World Health Organisation. (1997). Obesity: Preventing and managing the global epidemic. Report of WHO Consultation on Obesity, Geneva, 3- 5
5) Brandou, F., Dumortier, M., Garandeau, P., Mercier, J., & Brun, J. F. (2003). Effects of a two-month rehabilitation program on substrate utilization during exercise in obeseadole scents. Diabetes Metabolism.29:20-7

A Study on Service Quality Perception and Satisfaction Adopted by Technology Banking in Chennai District
Dr. V. Abrar Ahmed
Pages: 125-130 | First Published: 05 Jan 2018
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Abstract
The aim this study examines the World financial system is transient through some involved circumstances as liquidation of banking & financial institutions, liability crisis in major economies of the world and eurozone crisis. As we see all around technology has been increasing day by day and developed its advanced features to make peoples life easier and simpler. In Banking sector technology plays a very important role to make life easy and secure. The Banking industry in India has experienced radical changes since independence. With the improvements in technology and automation, the banking sector has become highly competitive today. The size has been administered to 250 customers of certain banks from Indian Banking Industry, chosen on a suitable basis. The purpose of this paper is to evaluate the service quality of selected banks, based on altered levels of „customers‟ perception about service quality. The study provides a practical application to measure service quality perception within the banking industry. The current study includes a measurement model that strength help bankers and researchers investigate customer perceptions of service quality among modern banking customer in Chennai district.
Keywords: Banking, Technology, Perception, Service Quality, etc.

References
1. Ajzen, I. (2005). Attitudes, personality, and behavior (2nd ed.). New York, NY: Open University Press.
2. Alkibsi, S. M., & Lind, M. (2010). Customer perceptions of technology-based banking service quality provided by banks operating in Yemen. Dissertation Abstracts International, 72(04).
3. Brady, M. K., & Cronin, J. J. (2001). Some new thoughts on conceptualizing perceived service quality: A hierarchical approach. Journal of Marketing, 65, 34-50.
4. Chang, C. (2007). Customer expectations of the Taiwan banking industry. Dissertation Abstracts International, 68(11), 4783. (AAT 3289993)
5. Creswell, J. W. (2008). Educational research: Planning, conducting, and evaluating quantitative and qualitative research (3rd ed.). Upper Saddle River, NJ: Pearson.

Customers' Perception Towards Service Quality of Commercial Banks in Tiruvannamalai District
P.Nandhini Devi
Pages: 131-141 | First Published: 05 Jan 2018
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Abstract
The aim of this paper was to examine the Services Quality of Customers’ Perception in Commercial Banks in Tiruvannamalai District. For this investigation primary data was collected from 120 respondents through a structured questionnaire. It also includes the review of the various services provided by the under the study. Collected data was analyzed according to the objectives of the present research and result of the statistical analysis to compile the result. Hence it is suggested that operator should proactively observe preferences services quality of Customers’ Perception in Commercial Banks with regard to the transaction fee; delivering of ATM card promptly and issue of new cards due to loss of original cards and facilitated modern services in order to retain and satisfied their customers. 

Keywords – Commercial Bank, Services Quality, Perception, Satisfaction, etc.

References
1. Bhatia, M. B. (2012, October). Assessment of Service Quality in Public and Private Sector Banks of India with Special Reference to Lucknow City. International Journal of Scientific and Research Publications, 2(10), 1 - 7.
2. Bhatia, M. B. (n.d.). Assessment of Service Quality in Public and Private Sector Banks of India with Special Reference to Lucknow City. International Journal of Scientific and Research Publications,, 2(10), 1 - 7.
3. Desta, T. S. (2011, november). Perceived Quality of Services Rendered by Commercial Banks: A Case Study of State Bank of. International Journal of Research in commerce and Management, 2(11), 26 - 36.
4. Dhandabani, S. (2010, July-Dec.). LINKAGE BETWEEN SERVICE QUALITY AND
CUSTOMERS LOYALTY IN COMMERCIAL BANKS. International Journal of Management & Strategy, 1(1), 1-22.
5. Dr. Rupa Rathee, D. A. (2014, July). To Identify Service Quality Gaps in Banking Sector: A Study of Private Banks. International Journal of Emerging Research in Management &Technology, 3(7), 101-106.

Job Satisfaction of Nationalised Bank Employees in Kanyakumari District
Dr.J.Anisha Shainne Thangam
Pages: 142-150 | First Published: 05 Jan 2018
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Abstract

Job satisfaction is one of the most research variables in the area of workplace psychology, and has been associated with numerous [Psychosocial issues - the changing world of work] organizational factors]] ranging from leadership to job design. This article seeks to sketch the key definitions relating to job satisfaction, the main theories related to clearing up job satisfaction, as well as the types of and issues contiguous the measurement of job satisfaction. While it is also important to explore what factors lead and is impacted by job satisfaction, this is covered in this study.The present study is examining in nature, as it seeks to discover ideas and insight to bring out anew relationship. The research design is flexible enough to provide anopportunity for considering different aspects of theproblem under study. It helps in bringing into focus some inherent weakness in anenterprise regarding which in-depth study can influence the factors of job satisfaction of Nationalised bank employees in Kanyakumari district. Keywords: Employee perception, Job nature, working environment, etc.

References
1. Abraham K. Korman, “Organisational Behaviour”, Englewood, Cliffs, N.J., Prentice Hall, 1977.
2. Agarwala, Dharma Vira, “Industrial Relations and Collective Bargaining”, Deep & Deep Publications, New Delhi, 1982.
3. Ammannaya, K.K., “Banking Reforms and New Challenges for Banks”, Tata McGraw Hill, India, 1992.
4. Anand Kumar Sinha, “Job Satisfaction – A Study of Bank Employees” Commonwealth Publishers, New Delhi, 1988.
5. Anderson, “Thesis and Assignment writing”, New Delhi, Wiley Eastern Limited, 1986.

A Study on Physico-Chemical Parameters of Pechiparai Dam Water
K.S.Anuja
Pages: 151-155 | First Published: 05 Jan 2018
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Abstract
The present paper includes an assessment of the quality ofPechiparai dam situated in Kanyakumari district.The quality water affects the human health.The dam water is used for irrigation drinking and fishing .The dam provides water for more than 50% population for agriculture and other activities.The analysis givesus a knowledge on quality of water. The water samples were analysed from 2010 June to May 2011. Water is analyzed for seasonal variation in temperature,pH,electrical conductivity,dissolved oxygen,chloride,total hardness, total alkalinity, biochemical oxygen demand, total dissolved solids, chemical oxygen demand.The results reveal that .The range of seasonal variation in different parameters was temperature 27o C to 30.2oC, Ph 6.99 to7.68, electrical conductivity 25 to 84 (μmho/cm),total hardness 8.0 to 22 mg/lit. Dissolved oxygen 5.20 mg/lit to 6.29 mg/lit. Biochemical oxygen demand 4.54 to 5.65 mg/lit.Chloride 3mg/lit to 5mg/lit. Total alkalinity 9 mg/lit to 16mg/lit. Total dissolved solids 20 to 33 mg/lit. chemical oxygen demand 9to 19 mg/lit. All the parameters are within the permissible limit recommended by WHO.

References

1. Athalye R.P., Patil N.N., Borkar U., Quadros G. and Somani V.U., (2003).Studies of flora,Intertidal Macrobenthic fauna and fishery of ulhas river and Thane creek to assess the pollution statusand decide mitigation strategy.B. N.Bandodkar college of science,Thane and MMRDA Mumbai project,pp211.

2. Abhay Kumar Rahul., Kushwaha M. K. S., Mathur R., Shashi Rahuland Akash Yadav.,(2012). Assessment of freshwater quality of Angoori reservoir, District Datia, Madhya Pradesh. Nature Environment and Pollution Technology; 11(4): pp 667-669

3. APHA. 1998. Standard Methods for the examination of water and waste water.(20thedn.),American Public Health Association, New York. 

4. Boman B.J., Wilson P.C and Ontemaa E.A., (2008). Understanding water quality parameters for citrus irrigation and drainage systems, Circular 1406, University of Florida, IFAS 

5. Surve P.R., Ambore N.E and Pulle J.S., (2005). Hydrobiological Studies of Kandhar Dam water, District Nanded (M.S.), India. J. Ecophysiol. Occupat. Health ; 5: pp.61-63

Cost and Returns in the Production of Paddy – A Study from Salem District
Dr. S. Revathy
Pages: 156-166 | First Published: 05 Jan 2018
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Abstract
In Tamilnadu, one of the states in India, rice is the main food. Tamil Nadu contributes a major share in the production of paddy and it is produced by millions of farmers. Despite these achievements, the farmers in Tamilnadu are not able to get a fair price for the paddy and paddy cultivation has become uneconomic over the years. Such a serious problem that affects the livelihood of 65 percent of total population in the State has aroused the interest of the researcher to probe into the matter. Even though, agriculture is the main occupation of our economy, it involves many risks and uncertainties. In this situation this study analyzed the cost and returns in the production of paddy.

References

1) Basavaraja,” Commercialism of Agriculture and Economics‟ Development,” Yojana, vol.33, No.7,Apl.16-30,1989. 

2) Consultancy project on “marketing Practices of Paddy-Their Fiscal and Production Impact”, Sponsored by state planning, commission, Tamil Nadu Agricultural university, Coimbatore, 1994. 

3) Directorate of Agricultural Marketing and Inspection of India, 1990. 

4) Guoyongkang, “The co-operative sector in china of 1989, “Perspective and project planning for Agricultural co-op sector in chin Ganse Provincel, Report of the ICA Study mission; International co-op Alliance, regional office for Asia and the pacific, New Delhi, 1994. 

5) Khanna. S.S. and Supa. M.P. - “Raise” rice production Yojana Vol.3, Feb – 1989.

Human Resource Adopted by Textile Industries with Special Reference to Tiruppur District-Case Study
Dr .M.Malathi
Pages: 167-174 | First Published: 05 Jan 2018
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References
1. ArunMunappa(2009) “Managing Human Resources”, Macmillan India. Ltd, New Delhi.
2. Bansal, M.P., HRD in Public Enterprises, RBSA publishers, Jaipur, 2012.
3. Billimoria, R.P. and Singh, M.K., HRD, Vikas publishing House pvt. Ltd., New Delhi, 2010.
4. .Sumati Reddy: “Best practices in Human Resource Management” HRM Review, the ICFAI University press, Dec 2012, pp 45-53.
5. Ushakiran V. “Southern Economist: Recruitment Trends in IT industry: An Analysis” Hyderabad-79, May 15, 2008.

A Study on Online Shopping and Consumer Satisfaction in Bangalore District
Jayaram.A
Pages: 175-182 | First Published: 05 Jan 2018
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Abstract
Online shopping is a form of electronic commerce which allows consumers to directly buy goods or services from a seller over the Internet using a web browser. Consumers find a product of interest by visiting the website of the retailer directly or by searching among alternative vendors using a shopping search engine, which displays the same product's availability and pricing at different e-retailers. As of 2016, customers can shop online using a range of different computers and devices, including desktop computers, laptops, tablet computers and smartphones. Statistics show that in 2012, Asia-Pacific increased their international sales over 30% giving them over $433 billion in revenue. That is a $69 billion difference between the U.S. revenue of $364.66 billion. It is estimated that Asia-Pacific will increase by another 30% in the year 2013 putting them ahead by more than one-third of all global ecommerce sales. The largest online shopping day in the world is Singles Day, with sales just in Alibaba's sites at US$9.3 billion in 2014.This study attempts to understand the concept of online shopping in Bangalore district and also to know the attractive attribute of online shopping, to analysis preferable mode of payment in online shopping by the respondents and The purpose of this paper is to evaluate the level of satisfaction in the online shoppers of Bangalore district and to create awareness about online shopping through this paper.
Keywords: - Online Shopping, satisfaction, process, customer value

References
1. "The Alibaba phenomenon". The Economics. March 23, 2013.
2. "Shop Direct celebrates 20 years of online shopping". Shopdirect.com. 2014-08-11. Retrieved 2016-12-12.
3. 1980 TV paves the way for Information Brokerage, Minicomputer News p. 12 London May 1980, the most comprehensive report of the March 1980 Press Conference launching the Redifon R 1800/50 computer system. Is 'Information Brokerage' aka 'browser industry'?
4. 2011 M. Aldrich 'Online Shopping in the 1980s' IEEE 'Annals of the History of Computing' Vol 33 No4 pp57-61 October–December 2011 ISSN 1058-6180
5. 1980 Checking on the check-outs, Financial Times London 12 July 1980

Financial Literacy among the Customers of Commercial Banks in Tirunelveli District – A Critical Review
K. Mekala Sharmini
Pages: 183-189 | First Published: 05 Jan 2018
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Abstract
Financial literacy refers to the knowledge required for managing personal finance. Financial literacy is the study which is useful to understand finance. More specifically, it refers to an individual’s ability to make informed judgments and effective decisions about the use and management of their money. Increasing range and complexity of products has made it very difficult for an ordinary person to take an informed decision. Financial literacy develops confidence, knowledge and skills to manage financial products and services enabling them to have more control of their present and future circumstances. Financial literacy of the customers of the Tirunelveli district is found poor as per the analysis. Also, customers’ knowledge on the various components of financial literacy is also not satisfactory, except financial awareness. Thus it is clear from the analysis that customers have satisfactory knowledge on financial literacy, but poor in financial products, conception and financial services offered by the commercial banks.
Keywords: - Financial literacy, financial products, financial conception, financial services, financial awareness.

References
1. Albert, George, “State Bank of Mauritius comes out tops,” Business Standard Banking, Annual,Nov. 2016.
2. “Changing face of Indian Banking”, Fortune India.,Feb. 15, 2015.Desai, Vasant,
3. Indian Banking Nature and Problems,(1997), Himalaya Publishing House.
4. Gibson, Robert, “Financial Sector Reforms – Imperatives for Competitiveness,” Productivity, Vol.40, No.I, April-June, 2016

Understanding the Effects of Dividend on Share Prices
Dr. Thangjam Ravichandra
Pages: 190-198 | First Published: 05 Jan 2018
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Abstract
This study was conducted to examine the effects of dividends on share prices. It also looks at the relevance and irrelevance theories of dividends. The relevance theories include Walter’s model and Gordon’s growth model and the irrelevance theory is the Modigliani and Miller’s hypothesis. For this study, the National Stock Exchange of India was taken as the population, from which five industries were selected. From each industry, three companies were selected as samples and analysed for the years 2013-14, 2014-15, 2015-16. Secondary data was used for the study. It is usually believed that when growth firms pay dividend, the share prices tend to fall and when declining firms pay dividend, their share prices tend to rise. In contrast to this ideology, this study found that there is usually no correlation between the dividends a company pays out and its share prices. But there may be cases where the investors may not fully behave rationally, or the tastes and preferences of the investors change, the existing competition, new entrants etc. Thus, certain determinants of dividends may create a slight indirect effect on dividends and hence the share prices.
Key Words: National Stock Exchange, Dividend Policy, Equity Share, Walter model, Gordon Model.

References
1. Ashraf, B. N., & Zheng, C. (2010). Shareholder protection, creditor rights and bank dividend policies. China Finance Review International.
2. Borad, B. S. (July 13th, 2017). Modigliani- Miller Theory on Dividend Policy.
3. Borad, B. S. (June 27th, 2017). Dividend Decisions.
4. D.H.-M. Wang. (2010). Corporate investment, financing, and dividend policies in the high-tech industry. Strategic Direction, Vol. 26 Issue: 11.
5. Guru Focus, W. (n.d.). Articles related to Bharti Airtel.

Intrinsic Valuation and Simulation of the E-Commerce Business
Dr. Thangjam Ravichandra
Pages: 199-208 | First Published: 05 Jan 2018
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Abstract
The research has been conducted to give an insight into the intrinsic valuation of E-commerce stocks. The valuation is done with the aid of DCF (Discounted Cash Flows) model. Intrinsic value of stock reflects the real value of stock, unlike the market value which is not merely based on financial performance of the company but on many other factors. It aims at establishing comparison between market values, intrinsic values and the predicted future values using Monte Carlo simulation of 10 listed E-commerce companies, which includes foreign and Indian companies. The comparison also reveals the deviation between current market prices of stocks and the predicted prices using one of the most reliable methods. The result of this comparison influences the investor’s decision regarding the purchase of a particular stock. Keywords: E-commerce, Intrinsic Value, Discounted Cash Flow Model, Investor.

References
1. Alibaba. (2016, December 31). Retrieved January 19, 2018.
2. Amazon. (2016, December 31). Retrieved january 3, 2018.
3. Benbunan-Fich, R., & Fich, E. M. (2014, December 8). Effects of Web Traffic Announcements on Firm Value.
4. Bloomberg. (2016, December 31). Retrieved january 4, 2018
5. Blue Nile. (2016, December 31). Retrieved January 5, 2018

A Study on Stress Management among the Employees of Private Sector Insurance Company in Vellore Division
Dr. TI. M.Swaaminathan
Pages: 207-215 | First Published: 05 Jan 2018
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Abstract
The present study titled Stress Management among the Employees of Private Sector Life Insurance has been initiated with the objective of investigating the occupational stress and its impact among the employees in private life insurance company. The stress may be due to any reason at the workplace, will restrict them to perform better in their career. The various suitable techniques and coping mechanisms used to reduce the stress among the employees will also be studied. In recent years, there has been increasing concern over the stress at the work place i.e. Occupational Stress. The marketing environment today is extremely competitive. There are large number of companies including Multi National Companies operating in almost all fields of marketing like Banking, Insurance, Telecommunications, Information Technology and other service sectors. In an effort to meet the challenges / threats posed by all these players, Today‘s Marketer is under tremendous pressure and stress. Coupled with competition, the easy availability of large variety in goods and services enhances the marketer‘s stress. All this about stress accounts for its popularity and importance as a research theme in several disciplines including Medical Science, Neurophysiology, psychology and Business Management. Fundamental utilitarian and academic concerns have produced a number of studies on stress. The concept takes on different meanings depending on the problem under investigation, the methods used and the theoretical orientations and personal preferences of investigations. The outcome of present study helps to understand the cause of stress among the employees of Private life insurance sector, and also reveal the various occupational stresses. It also help to correlate the application of occupational stresses become a common problem in the work places on real time situations.
Key Words: Work place, Occupational Stresses, Private Life insure

References
1. A.K.Sharma, S.Khera, J.Khandekar January (2006), ―Computer Related Health Problems Among Information Technology Professionals in Delhi‖, Indian Journal of Community Medicine.
2. Aggarwal, S (1994), Marketing Research, Global Business Press, Delhi.
3. Allport, G.. (1947); ―The ego in contemporary psychology‖; Psychological Review, 50(9); pp:451- 476.
4. Alpass, Fiona; Biggs, Herbert; Flett, Ross (1994), ―The effects of professional training on occupational stress and personal affect in rehabilitation practitioners‖, The Journal of Rehabilitation, Vol. 15, No. 2, pp. 121-132.
5. Andrews, Linda Wasmer. Stress Control for Peace of Mind: Greenwich Editions, 2005. 160 pp.

Organic Farming : A New Formula for Sustainability
Bhavanababu R.S
Pages: 216-224 | First Published: 05 Jan 2018
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Abstract
Organic farming is now picking up a greater momentum across the world. The paper examines the sustainability of organic farming through the framework of marketability and economic feasibility of organic agricultural products.India has traditionally been a nation of organic farming, yet the development of present day scientific input concentrated farming has pushed it to divider. In any case, the reactions of these current agricultural chemicals and machines bring up significant issue about the general advantages of present day innovative agricultural techniques. Agrarian chemicals including hormones and antibiotics leave deposit in nourishment that may cause disease like cancer and may even cause hereditary harm. The overuse of chemical fertilizers will exhaust our assets and have unfavorable impact on nature's stability particularly the climatic conditions. This inturn expanded mindfulness for keeping up an arrangement of sustainable agriculture in which organic farming
can be considered as one of the suitable technique. The case is pretty much same in Kerala where pesticides are utilized on farming terrains on an enormous scale. For having a maintainable future the customary type of cultivating needs to move back to clear route for the traditional rural strategies like natural cultivating. Besides that, the change of agriculture to 'agribusiness' brings up the issue of financial feasibility of organic farming when contrasted with regular type of conventional farming. This made the study to center around the sustainability issuesof farmers in organic farming with economic feasibility and marketability as the major concerns. The data collection is done with the assistance of both primary and secondary sources.The primary data is availed on the basis of cluster sampling using a well -structured interview schedule from a village where organic farming is practiced extensively. The cost-benefit analysis method is used to analyze the key concerns of the study. This inturn will help in influencing the Sustainable Development Goals of UN specifically Goal 2, Goal 8 and Goal 13.The analysis validate the way that organic farming is supportable just in the event that we think about the item quality, mental fulfillment, nourishment security and climatic conditions as the primary factors by keeping aside the worry of profitability. The paper additionally recommends that the support of State governments and NGOs in preparing the farmers to use the market channels legitimately and for the creation of more advantages about the openings, advantages and necessities in the national and international market among the agriculturists will make organic farming a most suitable strategy for sustainable agriculture with a profitable livelihood. This thus will draw in the young to take it as a source of employment..
Key Words: Organic farming, Sustainable agriculture, Marketability, Economic Feasibility,

References
1. Badgley Catherine and Perfecto Ivetto “Can organic agriculture feed the world? Renewable Agriculture and Food Systems”:22(2);80-85-2007
2. BiswasSudarshan ,NasimAli, Rupak Goswami and Somsubhra Chakraborty, “Soil health sustainability and organic farming, Journal of Food and Agriculture and Environment ,October 2014
3. Chandrasekhar H.M, Changing scenarios of organic farming in India :An overview, International NGO Journal Vol 5(1),pp.034-039, February 2010
4. ChathopadhaySreekumar and Frank .W. Richard , “Striving for Sustainability: Environmental Stress and Democratic Initiatives in Kerala”,2006
5. FiBL Survey 2017 (Research Institute of Organic Agriculture, Switzerland)

A Study on Effect of Goods and Service Tax (GST) on Indian Economy
Dr.K.Karthik Sridhar
Pages: 225-232 | First Published: 05 Jan 2018
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Abstract 

Goods and Service Tax (GST) is an indirect tax (or consumption tax} levied in India on the sale of goods and services. GST is levied at every step in the production process, but is refunded to all parties in the chain of production other than the final consumer. Goods and services are divided into five tax slabs for collection of tax - 0%, 5%, 12%, 18% and 28%. Petroleum products and alcoholic drinks are taxed separately by the individual state governments. There is a special rate of 0.25% on rough precious and semi-precious stones and 3% on gold. In addition a cess of 22% or other rates on top of 28% GST applies on few items like aerated drinks, luxury cars and tobacco products. 

Keywords: GST; Structure of implementation of GST

References

1.The Economic Times (2009) Featured Articles from the Economic Times. 

2. GST India (2015) Economy and Policy. 

3. Mehra P (2015) Modi govt.’s model for GST may not result in significant growth push. The Hindu 

4. Sardana M (2005) Evolution Of E‐Commerce In India Part 3. 

5. TRAI (2015) Highlights of Telecom Subscription Data as on 28th February.

Public Health Impact and Implications for Future Actions: A Study on Rashtriya Swasthya Bima Yojana
Rajalakshmi .A
Pages: 240-255 | First Published: 05 Jan 2018
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Abstract
Health means ability of the individuals or communities to adapt and self-manage when facing physical, mental,
psychological and social changes with environment. World Health Organization (WHO) defined health in its broader sense as “a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity”. Generally, in context an individual lives are of great importance for both his health status and quality of their life. It is increasingly recognized that health is maintained and improved not only through the advancement
and application of health science, but also through the efforts and intelligent lifestyle choices of the individual and society, The goal was identified the issues of acceptability and management issues of the scheme among stakeholders in an effort to make RSBY more efficient and effective for all the stakeholders involved. The performance of Rashtriya Swasthya Bima Yojana and to measure the impact on the health status of the society in Kottayam with special reference to Kottayam Municipality. This study covers 120 beneficiaries of RSBY in Kottayam Municipality. The respondents have been selected among BPL families. The Rashtriya Swasthya Bima Yojana attempts to insure poor people against shocks from a low level of healthcare security. In the absence of any such security, the vulnerability of people living at the margins

References
1) Berman, P., Ahuja, R. and Bhandari, L. “The Impoverishing Effect of Healthcare Payments in India: New Methodology and Findings”. Economic and Political Weekly, 45, no.16 (2010).

2) Chongsuvivatwong V., Phua K.H., Yap M.T., Pocock N.S., Hashim J.H., Chhem R., Wilopo S.A., Lopez A.D. “Health and health-care systems in Southeast Asia: diversity and transitions”. Lancet, 377, no. 9763 (2011):429–437
3) Das, Jishnu and Leino, Jessica. “Evaluating the RSBY: Lessons from an Experimental Information Campaign.” Economic and Political Weekly, 46, no.32 (2011).
4) Desai, Sapna. “Keeping the ‘Health’ in Health Insurance.” Economic and Political Weekly, 44, no.38 (2009):
18-21
5) Duggal, Ravi. “The out-of-pocket burden of healthcare.” Info Change News & Features, June 2005.
http://infochangeindia.org/20050612 402/Agenda/Access-Denied/The-outof- pocket-burden-of-healthcare.html.
Accessed December 1 2010.
6) European Union State Partnership Programme (EUSPP). “Evaluation of the Community Health Volunteer (Mitanin) Programme”. Raipur: Department of Health, Chhattisgarh, 2011.
7) Grover, Seema & Palacios, Robert. Chapter 6: The first two years of RSBY in Delhi. In Palacios, Robert, Das, Jishnu and Sun. Changqing (eds) “India's Health Insurance Scheme for the Poor: Evidence from the Early Experience of the Rashtriya Swasthya Bima Yojana” Centre for Policy Research, 2011.
8) Hou, Xiaohui and Palacios, Robert. Chapter 5, Hospitalization patterns in RSBY: preliminary evidence from
the MIS. In Palacios, Robert, Das, Jishnu and Sun. Changqing (eds) “India's Health Insurance Scheme for
the Poor: Evidence from the Early Experience of the Rashtriya Swasthya Bima Yojana” Centre for
Policy Research, 2011.
9) International Institute for Population Sciences (IIPS) and Macro International. National Family Health Survey (NFHS-3), 2005–06: India: Volume I. Mumbai: IIPS, 2007.
10) International Labour Organization. “Extension of Social Security to BPL Workers: Rashtrya Swasthya Bima
Yojana: Planning Situation”. Discussion Paper Series, 2008. http://www.ilo.org/public/english/reg
ion/asro/bangkok/events/sis/download/paper7.pdf11) Jain, Nishant. “56 Million Steps
Towards Universal Coverage: RSBY Health Insurance for the Poor in India”. (GTZ) GmbH Eschborn,
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13) Narayana, D. “Review of the Rashtriya Swasthya Bima Yojana.” Economic and Political Weekly, 45, no.29 (2010): 13-18.
14) NSS. “Morbidity, healthcare and condition of the aged: NSS 60th Round”, Ministry of Statistics and
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Chhattisgarh’. CENSUS OF INDIA 2011. 2011. http://censusindia.gov.in.
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