Journal Issues

ABSTRACT

A 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.

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”. A retrospect of the events clearly indicates that the Indian banking sector has come far away from the days of nationalization. The Narasimham Committee laid the foundation for the reformation of the Indian banking sector. Constituted in 1991, the committee submitted two reports in 1992 and 1998, which laid significant thrust on enhancing the efficiency and viability of the banking sector. As the international standards became prevalent, banks had to unlearn their traditional operational methods of directed credit, directed investments, and fixed interest rates, all of which led to deterioration in the quality of loan portfolios, the inadequacy of capital, and the erosion of profitability.

Keywords: prototype banks, promissory notes, and nationalization.

Received : 4th January 2019 

Accepted : 25th January 2019
Published : 28th January 2019

ABSTRACT
The investment decision-making process of every individual is affected by many behavioral factors and this has been proven by many researchers in 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 biases of male and female individual investors in India. Data has been collected by sending structured questionnaires online and offline from 120 individual investors (60 male and 60 female) who are investing in the Indian stock market. In the questionnaire total of forty questions have were asked including the questions related to demographic profiles 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 into the behavioral biases of investors which become hurdles in their way of making correct investment decisions to increase their investment returns.

Key Words: Investment Behavior, Male and Female Investors, Confirmation, Representativeness, Herding and Familiarity Bias.

Received : 5th January 2019 

Accepted : 25th January 2019
Published : 28th January 2019

ABSTRACT
Green Human Resources Management (Green HRM) is an embryonic issue in the current scenario. It has become a significant factor in forward-thinking businesses around the world. We have witnessed the voluntary contributions made by successful companies across the globe like Microsoft, BP, Tata, ITC, and Wipro towards Corporate Social Responsibility (CSR) even before the time when there were no conventions or decrees connected to CSR. Researchers have contended that workforces must be enthused, empowered, and environmentally cognizant of greening 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 environmental sustainability. The Corporate management has to keenly support to creation green workforce that can recognize and appreciate green culture in an organization. They should adopt new strategies in green HRM and implement them 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 will lead to understanding and propagating green HRM in organizations across the globe.

Keywords: Green HRM, Green Management, Environmental Management & Sustainability, CSR.

Received : 6th January 2019 

Accepted : 25th January 2019
Published : 28th January 2019

Abstract
Head and Shoulders Bottom (HSB) is one of the traditional patterns in technical  prediction tool-kit claimed to be potent to foretell security prices. Price objective is the expected post-pattern price movement that the pattern is expected to achieve immediately after price has crossed the neckline. This paper examines whether the pattern achieves the expected price objective so as to consider it as a predictive tool for superior return. The study finds the non-reliability of the predictive capacity of HSB patterns. 
Keywords: Technical analysis, stock market. Stock chart, Pattern, Head and Shoulders Bottom, Price Objective Achievement, Predictive Tool.

Abstract 

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. Keywords: Contemporary Issues, Human Resource Management, HR Recruitment, Selection, Interview, Job Candidates, HR Professionals.

Abstract
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.
Keywords: Forensic Accounting, Auditing, detection and investigation of Fraud and effective tool.

Abstract 
Digital economy refers to an economy that is based on digital computing technologies. 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 e- wallets 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.
Keywords: Digital Economy, Digital Payments, e-Wallets, interoperability, Paytm.

Abstract
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.
Keywords: Digital Marketing, Customer Reach, Search Engine Optimization, Brand Building

Abstract
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.

Abstract 
The intention of contemporary government of India is to bring the societal interest towards entrepreneurship to enhance economic progress. The attempt was put forth by initiating many schemes to flourish entrepreneurial development, especially towards youth as they are the most receptive society group. The RBI has taken steps to help improve the ease of doing business in the country and contribute to an ecosystem that is conducive for the growth of start-up 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.
Key words: Start-ups, entrepreneurship education, mentorship and training

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

Abstract 
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. There are many benefits of using digital marketing platform to market the company’s products and services but there are some challenges that a marketer using the digital marketing strategy has to face. The challenges are as follows: *Proliferation of digital channels *Intensifying competition. *Exploding data volumes. This paper analyzes the notion of Digital Marketing in India and its challenges and opportunities ahead.
Key words: Digital Marketing, Proliferation, Intensifying competition, Exploding data volumes.

Abstract 
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.
Keywords: Artificial Intelligence, Technologies, Insurance, Challenges and data

Abstract 
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.
Key words: Challenges, Customers, Opportunities and E-services

Abstract 
GST celebrated its 1st birthday on 01 July 2018. To account and estimate its advantages and clinches, its intellections & intuition among the common man, success, failures and modernize in the task, is the animus of the study. To know the cognizant and the actual assisted portion to the customers, different slab rates, E- way bill and all the way from GST to GSTN- SPV. The knowledge about the dynamic scenarios and guiding the local people, how far a common person feels the tax is found as much as pinch of salt. Until now many communities are less understanding and confused regarding GST system and also gave a negative perception about it, but also there were few sects of people who were gloomed with the new tax regime. To ascertain the perception among the people about GST, this study is made.
Key words: GST, common man, Perception, awareness.

Introduction
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. All these principles are applicable for general insurance whereas principle of utmost good faith, proximate cause and insurable interest applies for life insurance because life of a person cannot be indemnified with anything apart for the policy amount taken. Life Insurance being a very subtle theme has a huge impact on the population and a study on this matter will aid not only the people seeking for a cover for their lives but also will help the people providing insurance an overview of the industry in the society. Life insurance has been of a huge blessing for people around the world at the most difficult of times due to loss of life but it is not all that a smooth process in order to get the claim for which they have applied the policy. There are many cases to prove that the claims have been repudiated due to the fault of the insured and due to the negligence of the insured, there have been wrong decisions taken. To understand the reasons behind such occurrences, this study is undertaken which will help us understand the decision-making process for the final verdict taken for the policy claim.

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

Abstract 
The Initial accounts of Government transactions in India prepared by the authorities through whom transactions occur, such as treasuries, the various departmental offices, pay and accounts organizations, etc. From these initial accounts, The Indian audit and accounts department as well as the central Accounting organizations of the union government compile, under different heads prescribed for government accounts, and bring out , monthly and annually , the combined result of all the transactions which occur during that period . from the accounts so complied by the Indian audit and accounts department and other agencies, the combined finance and revenue accounts of the union and state government are prepared by the comptroller and auditor-General. These accounts incorporate the results of the total government arising both in and outside India Karnataka Panchayat Raj Act, 1993 came into force on 10.05.1993, accordingly there are 3 tier systems in Panchayat Raj Institution, and they are Zilla Panchayat, Taluk Panchayat, and Gram Panchayat. Gram panchayat have been the backbone of the Indian villages since the beginning of recorded history. And is the lowest tier of Government. They have responsibilities of civic administration with independent power of taxation. Government of India has constantly been increasing the outlays on the various Programmes for Rural development. It means that the huge money is spent or disbursed by the members of gram Panchayat’s; utilization of those funds should be properly accounted. It needs a good accounting and auditing system to control and evaluate the activities of gram panchayat’s.
Key Words: Accounting, Auditing, Financial Reporting, Panchayat’s.

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

Abstract
Micro Finance- 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.
KeyWords – Micro Finance, Money Lenders, Government Initiative, Interest Rates, Schemes

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

Abstract 
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.
Key words: Online vs. offline buying, Strategies, e-commerce, retail buying, consumer buying behavior.

Abstract 
Equity markets in India have seen a metamorphic change in the past two decades exposing the markets and its participants to various kinds of risks and valuations. Valuation is the process of assigning a rupee value to a specific share. It states the true or intrinsic value of an asset. An ideal valuation technique would assign an accurate value to all shares. In general valuation is a complex topic, no single valuation model can truly predict the intrinsic value of a share and no valuation model can predict with certainty how the price of a share will vary in future. There are different types of valuation models like balance sheet valuation which is based on accounting information like book value, liquidation value, replacement cost, discounted cash flow techniques like dividend discount model, free cash flow model and relative valuation techniques like price earnings ratio, price to book value ratio, price – sales ratio. However valuation models provide a basis to compare the relative merits of two different shares. Among all these market value is most watched by investment and fund managers.Valuation in this study refers to equity market value. Equity valuation is a central question which the fund managers, investment advisors, and stock brokers in the field of Capital markets are trying to address through different angles with various clues. As most of the fund managers, individual investors and investment advisors in the process of valuation facing challenges in determining the right avenue for investment. In this regard they try to analyze the fundamental factors which are related to economy such as GDP growth, inflation related factors majorly, and then start analyzing industry related factors, to choose a specific company for investment, and there starts a need, for investment managers to collect the company specific information (accounting variables) relating to companies for assessment of equity valuation. In this background they undertake a number of valuation tools that can facilitate them in assessing the right potential and information about the price of securities that the trader will be waiting for taking various investment decisions

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

Abstract 
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.
Keywords: Managerial Ownership, Leverage, Dividend Policy, BSE 30 index