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Financial Literacy among College Students in Rural Areas: An Empirical Investigation
Dr.P.M.Roseline Bincy Assistant Professor, Department of Commerce Sindhi College, Chennai.
Pages: 1-5 | First Published: 05 Mar 2025
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Abstract

 The Government of India and the Reserve Bank of India have initiated efforts to enhance banking services, including the expansion of rural bank branches, the implementation of the banking correspondent model, and the promotion of financial literacy. In a diverse nation like India, financial literacy is crucial for the success of this significant social initiative aimed at achieving financial inclusion. An effective strategy encompasses three key components: financial education, financial inclusion, and financial stability. While financial inclusion addresses the supply side by ensuring access to various financial services, financial education stimulates demand by raising awareness among individuals about the advantages and necessities of the financial services provided by banks and other institutions. Together, these strategies contribute to improved financial stability. This paper aims to examine the level of financial literacy among college students in Poonamallee Taluk, Kanchipuram District, Tamil Nadu, in detail.

 

 The financial literacy among students of the Arts, Science, and Commerce College in Pooonnalle Taluk, Chengalpattu District, Tamil Nadu, falls short of global standards. This deficiency is largely influenced by their rural upbringing and can be linked to the inadequacies of the elementary and primary education systems, as highlighted in previous research. It is essential to prioritize efforts aimed at improving financial literacy across all student disciplines, as they represent the future of the nation. A specific inquiry directed at commerce students regarding their perceptions of financial investment revealed that 98% responded positively, indicating that their attitudes have improved after engaging with finance-related subjects in their curriculum. This underscores the urgent need for academic initiatives to bolster students' financial literacy. As India embarks on a path toward economic development, achieving widespread financial literacy is crucial for ensuring that growth benefits the entire population.

Prediction Analysis on E-Commerce Market Value in India Using Artificial Intelligence
Dr. S.Antony Raj, V.Prema Kumari - Research Supervisor Department of Commerce SRM Institute of Technology and Science Kattankulathur, Chennai., Research Scholar Department of Commerce SRM Institute of Technology and Science
Pages: 06-16 | First Published: 05 Mar 2025
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Abstract 

As a businessman, it is very important for an organization to know your audience well, to know the current trend in the market, to analyze the future using historical data, to know how to make business decisions in an effective way, to use current technology which is very much needed for the survival of the business among their competitors and all these ultimately should lead to satisfaction of the customers and make them buy their products again and again without any diversion. So, every time businessmen need to be on the top of the rock to see every nook and corner and know the current trend in the market and make changes accordingly by not bogged down in conventional morality. To know all the aforesaid factors it is very important for a business man to have a business analyst in a company and get the help of them to analyze the historical data. To help the Business analyst AI plays a vital role for the prediction purpose. AI is an emerging field in all sectors especially for data analysis to predict the future here in his study machine learning is used which is said as the subset of AI. The aim of the paper is to make the job of the businessman easier. For this in this paper we have taken initiative to find out the future growth and scope in the field of E-commerce. To explain this clearly we have taken secondary data on E-Commerce market value with following factors e-commerce revenue and online shoppers. And tried to find out the prediction for the years 2024 to 2026 using python. And the research is going to enhance the accuracy on the prediction of Market value factors.

References

[1] Dr.J.Dhilipan, D.B.Shanmugam, et.al, (2021) DOI: 10.48175/IJARSCT7802

 [2] Bhojraj Yashwant Shewale (2021) issued in International 2nd Business Conference On Sustainable Development and New Business ModelsAt: Kandivali (W) April 2021.

 [3] Basheer K.T (2020) issued in International journal of creative research thoughts (IJCRT) Volume 8, Issue 7 July 2020 | ISSN: 2320-2882 

[4] Chaithralaxmi.T1and Shruthi (2016) issued in International Journal of Latest Trends in Engineering and TechnologySpecial Issue SACAIM pp. 505-510e-ISSN:2278-621X.

 [5] Shahid Amin, Keshav Kansana,et.al, February 2016 issued in TIMS International ConferenceAt: Gwalior 2016