Society for Global
Studies and Research

Chief Editor

Dr. S.K.S. Yadav
Department of Commerce
Meerut College, Meerut
U.P. (India)


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::Society for Global Studies & Research(SGSR)::
List of Volumes/Issues

International Journal of Trade and Commerce-IIARTC, Volume: 7(2018>), Issue: 2(July-Dec)

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1. Corporate Social Responsible Activities in PSUs: An Empirical Analysis

Author: Surbhi Yadav,(Pages: 264-289)


Purpose – The object of this paper is to inspect how public sector units in India implement corporate social responsibility (CSR). The author has centred on four commonly known approaches: the ethical, the statistical, the liberal, and the stakeholder approach, the paper tried to find the reported drivers and barriers in implementing CSR practices. Design/methodology/approach – The sample size was 425. The paper surveyed 399PSU employees in managerial, supervisor and clerical position in PSUs currently engaging in a CSR initiative, representing a variety of industry sectors, as well as public dealing with PSUs. 26 General Public having direct link with PSU Factor Analysis, One way & Two way Anova and Regression Analysis are used as statistical tools. Findings – The study finds that PSUs focus on Community development, Workplace and labour relations, Choosing business partners, Environmental benefits, Corporate governance, Legal compliance and Business ethics as the major stakeholders. Further, the results indicate that the most significant obstacles to CSR implementation are those related to lack of resources, followed by those related to the complexity and difficulty of implementing CSR.
Keywords:Corporate Responsibilities, CSR Drivers, CSR Implementation, PSUs.

2. Marketing Mix Factor Influencing Purchase Decision of Two Wheelers: A Study of Aligarh District

Author: Mohd. Nadeem,(Pages: 290-299)


The Indian automobile industry has witnessed rapid growth in production capacity along with modernization since the mid-nineties. India is now a significant player in the world market, with manufacturing bases and export hubs of many multinational vehicle manufacturing companies. In 2017-18 the production of two wheelers was 2.31 crore units, out of which 2.02 crore units were domestically sold while 0.29 crores units was exported. This study has analyzed the marketing mix factor influencing purchase decision of two wheelers in Aligarh district,U.P., India. Primary data has been collected from 75 respondents. The finding reveals that out of 24 attribute, comfort is the highly important attribute in the two-wheeler followed by low maintenance cost and safety features. Mileage, durability, after sales services and warranty are the other important attribute that consumers want in two wheelers. Financing facility, cash discount, comfort and availability are the extremely important factors for scooters’ segment. Moreover, durability, mileage, technology and colour are secondary important attributes. Consumers of scooter have given high consideration to these attributes as compared to motor cycle users. Advertisements on websites, magazines, TV, and attractive display in showroom are the important factors that influence purchase decision. The results also show that high discount, free gift and lucky draw events are important promotional factors that influence the purchase of motor cycle and scooters.
Keywords:Two-wheeler marketing, decision making, buying behavior, factor and attribute

3. CRM Strategies in Banking Sector : A Comparative Study of Private, Public and Foreign Bank in India

Author: Mukesh Kumar Jain,(Pages: 300-327)


Purpose: The present study attempts to compare the effectiveness of CRM among selected private, public and foreign banks. Analytical and descriptive types of research have been carried out for the purpose of the study. Methodology: The majority of the study is conducted using primary data. Simple Random Sampling Method is used to gather the primary data. The sample for the research study is selected scientifically. A questionnaire has been used for the study to collect information from Customers. Factor Analysis is used as the main tools with average, standard deviation, student t-test and ANOVAs test. Findings: It can be summarised that there is significant difference between the groups of public and private sector banks whereas the difference is insignificant in the group of foreign sector bank with respect to the research variables from the respondents' points of view. Indeed, the respondents have assessed the situation of foreign sector banks better than private sector banks and much ahead than the public sector banks in relation to the research variables.
Keywords:Customer Retention Management; Customer Satisfaction; Customer Loyalty and Factor Analysis

4. Role of Working Capital Management in Liquidity of the Nifty 50 Pharmaceuticals Companies: A Comparative Study

Author: S.K. Rastogi, Durgesh Kumar,(Pages: 328-339)


Purpose: The object of this paper is to examine the role of Working Capital on Liquidity as it plays a key role in the successful working of an organisation and decisive objective of any firm in order to maximize the profit. Increasing profits at the cost of liquidity can bring serious problems to the firms. Liquidity and profitability of a firm are both affected by inappropriate working capital. So, Working capital management should be given proper consideration and one should try neither to maximize nor minimize the liquidity ratios; one should always try to optimize the liquidity of an organisation. Design/methodology/approach: This study is based on secondary data. It is based on published annual reports of the four Nifty 50 Pharmaceutical Companies. We have used both Financial and Statistical formulas to get the result. Findings: The study finds that Sun Pharmaceutical Limited is the top ranked Company on the basis of Motaals Comprehensive Test. Moreover, there is no significant difference in the working capital management front among the four Nifty 50 Pharmaceutical Companies on the basis of ANOVA test. Limitation: The major and important limitation is time as the study covers a period of 5 years starting from 2013-14 to 2017-18.
Keywords:Liquidity, Motaals Comprehensive Test, Working Capital Management, and NIFTY 50 Pharmaceutical Companies

5. Dividend Policy and Its Impact on Performance of Indian Information Technology Companies

Author: Mohd Taqi, Mohd Shamim Ansari, Jahangir Chauhan, Mohd Ajmal,(Pages: 340-354)


Purpose: This study is an attempt to evaluate the impact of dividend policy on profitability of Indian Information Technology companies which are listed on Bombay Stock Exchange. This paper is also an attempt to assess nature of association between Dividend Policy and Profitability of IT stock. An attempt has also been made to evaluate appropriate Regression Model. Design: In order to accomplish the study top ten companies belonging to IT sector were considered based on market capitalization. The study has been done in two parts; in the first part, trend analysis of company’s profitability ratios was carried out. The second part of the study comprises of testing of hypotheses using correlation matrix and panel regression model. Findings: The selected companies do not follow consistent pattern of dividend payments. The study also reveals association between Price Earning Ratio (PER) and Dividend Payout Ratio (DPR) is low but positive at 95 % level of confidence. Similarly, at 95 % confidence level, association between Return on Asset (ROA)–Earnings per Share (EPS) and Return on Equity (ROE) – EPS is low but positive. However, there is a strong relation between ROE-ROA at 99 % level of confidence. Hausman Test reveals that random affect model is appropriate thereby indicating that performance of selected companies have significant impact on dividend policy of selected companies. Value: Dividend policy and pattern of its distribution has been an important issue of discussion in finance. The study would be helpful for users like managers who are interested in profit planning and investors. The paper will help the reader to develop further understanding on dividend policy which is still on the most complicated subject in corporate finance. This study is also significant because an attempt has been made to develop appropriate dividend policy models.
Keywords:Dividend, Firm Performance, Earnings per Share, Price Earnings Ratio, Return on Assets, Return on Equity.

6. A Study on Awareness about Consumer Protection Acts amongst Households of Moradabad Region

Author: Nishat Ullah Khan,(Pages: 355-366)


Purpose of Study: Consumer awareness is about making the consumer aware of his/her rights. It helps the consumer to know their rights to protect against exploitation. MRTP Act, 1968, Essential Commodities Act, 1955, Sales of Goods Act, 1955 and Consumer Protection Act, 1986 have been introduced by the Government of India to create consumer awareness and upholding their interest. The purpose of this study is to investigate the awareness level of consumers towards various Consumer Protection Act enacted in India to protect the interest of consumers. The alertness about Consumer Protection Acts among the rural and urban consumers of Moradabad at the time of purchase of a product about the Certified product, MRP, Date of expiry, availability at fair price shop in the market and the protection against exploitation and unscrupulous activities of the manufacturers and traders provided by laws is the main objectives of the present study. Methodology: This is a explorative study based on primary data. A structured questionnaire has been framed to know the awareness of consumer protection among the rural and urban consumers of Moradabad Region. The sample size of the study is 300 respondents. Various statistical tools such as average, percentage, Chi-Square test and Student t-Test have been used. Findings: It is revealed that urban consumers are significantly aware of consumer protection rights available in the different laws implemented by GOI in comparison to rural consumers.
Keywords:Nishat Ullah Khan

7. Impact of FIIs Investment on Indian Stock Market: An Analysis

Author: S. K. Rastogi and Prince Kumar,(Pages: 367-375)


Indian Stock Market is a hotspot of investment not only among the retail investors but also among Indian Institutional Investors and Foreign Institutional Investors since 1991, when PM Narsimha Rao government opened the door of Indian Economy to the global investors. The investment by Foreign Institutional Investors (FIIs) has become a dynamic force in the development of Indian stock market and a cause of stock market volatility. In the present study an attempt has been done to develop an understanding of the FIIs investment and its impact on stock market volatility. The study is conducted with the help of time series based on monthly closing data of NIFTY, SENSEX and FIIs activity over a period of twenty five years from January, 1994 to November, 2018. In this study, different statistical techniques such as Mean, SD, Coefficient of Variance Karl Pearsons’ Skewness and Correlation are used to test the impact of investment by FIIs on volatility of Indian stock market. The study reveals that FIIs investment has statistically significant influence on volatility of NIFTY and SENSEX, used as key indicators of Indian stock market.
Keywords:Volatility; FIIs Investment Trends; NIFTY; SENSEX; Indian Stock Market; and Correlation & Regression

8. Tourism in India and Its Importance in National Economy

Author: Jugendra Kumar Sharma,(Pages: 376-383)


Tourism is one of the world’s largest and fastest growing industries. Unlike other industries, it has to depend largely on a number of allied industries. Like hotel, restaurant. Transport etc. It is, therefore, properly called a combination of inter-related industries. India is really a Tourists Paradise. Tourism helps in a significant growth of economic, social, cultural, educational and political sectors. Marketing and promotion are of vital importance in tourism sector due to the competitiveness of tourism industry both within and between tourism generating Nations. Tourism sector creates direct, and indirect employment. It produces a vast spectrum of employment from highly qualified and trained managers of star hotels to room boys, sales girls and artisans with its faster growth new horizons of employment open up for youth of the developing countries. In developing countries like India, tourism has become one of the major sectors of the economy, contributing to a large proportion of the National Income and generating huge employment opportunities. It has become the fastest growing service industry in the country with great potentials for its further expansion and diversification. This paper analyses the change in number of tourist arrivals from 1997 to 2017, in economic growth and the development of tourism. The number of tourist arrivals is directly proportional to the economic growth. India witnessed a grand total of 6.64 million foreign tourist arrivals with annual growth rate of 4.3% in 2012. It rose to 8.69 million in 2017. It is the second largest foreign exchange earner in India recording estimated earnings of Rs. 94487 crore in 2011-12. And rose to Rs 1,52,570 crore in 2017, with world tourist arrivals expected to increase by 43 million every year on an average from 2010 to 2030. The domestic tourism is also a major factor which is contributing to the growth in tourism sector.
Keywords:Tourism, Employment, Gross Domestic Product, Investment, foreign exchange, Tourist Arrivals

9. Judgement on Adultery is Danger to Sacramental Marriages

Author: Deepa Singh Yadav,(Pages: 384-394)


Adultery has been a very controversial topic it is one among the few problems now mentality of individuals are changed, they are coming out of conservation mentality although this is not a new thing it also persists in ancient era. Where Ravana abducted Sita and Sita had to face Agnipariksha to prove her chastity. People use to go to Kotha to quench sex. Out within these a hundred and fifty years when the codifications of the legal code. There has been a large change within the society ladies aren’t any longer thought about to be the personal chattel of her husband. During the post -PC amount, variety of Acts are enacted to alleviate ladies from the hitherto ancient system of seclusion and subordination and to assure then a standing equal to men in each walk of life. Ladies are participating altogether activities of the event of the country and also the social approach to a girl has modified to a positive notion. Such a law in 21st century looks outdated with the trendy notions of the standing of women and also the constitutional spirit of gender equality. The penal provision of criminalization adultery violates the constitution that features equal justice for all and would not discriminate on the grounds of sex. It violates Article-14 (Equality before law), 15 (Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth) and 21 (protection of life and personal liberty) of the constitution of India regarding it petition was filed by Joseph Shine challenging Section-497 of the Indian Penal Code which leads to prosecution of a man in an adulterous relationship with a married woman, but let’s off the women, honorable Supreme Court has declared the judgment regarding it making no body liable for this act but providing the ground for divorce.
Keywords:Punishment, law, society, controversies, marriage sacramental, extra-marital, ethical values.

10. A Study of Vocational Training on Women Empowerment:-A Case Study in Indore

Author: Mani Bharadwaj,(Pages: 395-404)


Women empowerment is empowering the women to take their own decisions for their Personal dependency. Empowering women is to make them independent in all aspects from mind, thought, rights, decisions, etc by leaving all the social and family limitations. It is to bring equality in the society for both male and female in all areas. Women empowerment is very necessary to make the bright future of the family, society and country. Women need fresh and more capable environment so that they can take their own right decisions in every area whether for themselves, family, society or country. The present study helps to find out the important role of vocational training centers in Indore that enforce women empowerment successfully in Indore.
Keywords:Vocational training, Self-realisation, NMEW, DWCRA. Women empowerment.

11. Role of Regional Rural Banks (RRBs) in the Economic Development of India

Author: A.K. Mittal, Munni Pandey,(Pages: 405-411)


Regional Rural Banks (RRBs) are those banks which were established in 1975 under the provisions of the Ordinance on the 26th September 1975 and the Regional Rural Banks Act, 1976 to develop the rural Indian economy and to develop a supplementary channel to the Cooperative Credit Structure with a view to enlarge institutional credit for the rural and agriculture sector. The share capital of RRB is contributed by the Government of India, the concerned State Government and the sponsoring public sector banks in the ration of 50%, 15% and 35% respectively. The area of operation of the RRBs is limited to notify few districts in a State. The RRBs mobilize deposits primarily from rural/semi-urban areas and provide loans and advances mostly to small and marginal farmers, agricultural laborers, rural artisans and other segments of priority sector. Indian Government initiated a process of structural consolidation of RRBs by amalgamating RRBs sponsored by the same bank within a State, with a view to provide better customer service by having better infrastructure, computerization, experienced work force, common publicity and marketing efforts etc. The amalgamated RRBs also get benefit from larger area of operation, enhanced credit exposure limits for high value and diverse banking activities. RRBs were also permitted to decide the need for conversion of the existing loss making branches into satellite / mobile offices keeping in view the cost-benefit aspect, the likely inconvenience that may be caused to the existing clientele, the effect of the conversion on the performance in the preparation of district credit plan and priority sector lending. With a view to providing better customer service in rural areas, RRBs may also convert their satellite offices into full-fledged branches after obtaining concurrence from their board and necessary license from the concerned Regional Office of RBI.
Keywords:Regional Rural Banks (RRBs), NABARD, RBI, Economic Development, Weaker Section of Rural Areas

12. Socio-Economic Empowerment of Women through Energy Accessibility

Author: Sonia Vilasroi,(Pages: 412-418)


Energy is an essential component of daily life. Absence of adequate energy can hugely and harmfully affect every society across the world. It is deeply influence people’s lives and is an engine for social development and economic growth. Over the centuries, energy has helped to transform societies and has underpinned human development. Energy contributes to fulfilling the most basic human needs, including nutrition, warmth, and light. It is essential to life in the 21st century. Women’s empowerment is closely linked to capable energy solutions. Women in developing countries can benefit significantly from improved access to energy through cleaner, more efficient stoves and fuels, as well as motorized equipment for food processing, water pumping, lighting, communications and business enterprises. A focus on promoting women’s economic empowerment through improved energy access makes good economic sense. Energy, by allowing progress to be made in terms of health, education and poverty, gives women more chance of having the opportunities traditionally reserved for men. In this way, it allows the living conditions of women to be improved. Empowering women and girls is necessary for energy development and energy security. Gender perspectives need to be incorporated into energy projects, policy and planning in order to ensure their effectiveness and sustainability. Energy policies need to be carefully designed in ways that benefit both women and men. This paper discussed about the social and economic empowerment of women through energy accessibility and the paper is totally based on secondary data which is drawn from various sources.
Keywords:Women, Empowerment, Socio-economic Development, Health, Energy.

13. Tourist Satisfaction Level among Adventure Tourists: A Comparative Study Between Garhwal and Kumaun Region, Uttarakhamd

Author: Deepak Bisht,(Pages: 419-430)


Objective- The major objective of this study is to measure the Satisfaction Level among tourists regarding Adventure Tourism in Garhwal and Kumau Region of Uttarakhand. Design/methodology/approach- A cross-sectional study was conducted between August to October 2018 in Garhwal and Kumaun Region. The study sample includes 100 respondents selected through convenience sampling and Data was analyzed through Independent Sample T test. Result- Result of the study revealed that though level of total satisfaction among tourists is more in Garhwal region as compared to Kumaun region but that difference is not significant. Research limitations/implications– The study is confined only to tourist satisfaction regarding selective variables of adventure tourism in selective districts of Garhwal and Kumaun region. A further empirical research can be done to see the difference between perception and satisfaction among tourist regarding other forms of tourism in both the regions.
Keywords:Tourists, Adventure Tourism, Garhwal and Kumaun Region

14. Impact of GST in Indian Economy

Author: Rupa Gupta,(Pages: 431-442)


GST is absolute indirect tax which is imposed on production, sale and utilisation of goods and services at the national level. It absorbs most of the indirect taxes which are imposed by the central and state government into a single tax. It has overcome the drawbacks of previous indirect tax structure and has created efficiencies in the tax administration.GST came into existence from July 1, 2017. This new tax regime provides transparency & certainty in the tax system. The main aim of implementing GST is “One Nation, One Tax, and One Market”. It is simple, efficient and will help to improve the economic growth of the country by eliminating many central & state taxes like excise, service and VAT. Goods and Service Tax has made Indian products competitive in the era of globlisation.GST make taxation overall easy for the Industries, Agriculture and Real estate also. Some sectors like Banking and Insurance sector have become complicated after the implementation of GST but because of its transparent character it will definitely grow our Indian Economy.
Keywords:GST, India, Market, Indian Economy.

15. Carbon Credit Trading in India

Author: Pulkit Agarwal, Kamlesh Kumar,(Pages: 443-448)


The growing concern about climate change and global warming among world leaders resulted in an international treaty-United Nations Framework Convention on Climate Change (UNFCCC). Kyoto protocol is an international agreement under the UNFCCC with legally binding targets for 37 Developed countries to reduce and limit their Green House Gas emissions by 5.2% below of their emissions on 1990 level. Kyoto (Japan) protocol was adopted in 1997 by the world leaders of Developed countries and till date there are 193 countries that have committed to limiting their greenhouse gas emissions by working together. Emissions trading or cap-and-trade is a market-based approach used to control Green House Gas (GHG) emissions by providing financial incentives to the GHG (CO2) emission reduction projects by reducing use of fossil fuels as well as the rate of forest land conversion. Emission reduction projects like the use of renewable energy for e.g. wind, biomass, small hydro and solar energy projects; waste management that reduces methane emissions, reforestation projects etc can be registered under this market based mechanism to earn carbon credits and sell them. Carbon finance, made available for such projects which are registered under available carbon credit mechanism, facilitates the financial support through carbon credits for the reduction of greenhouse gas emissions to the project developer in developing countries for example India . Emission Trading or Cap & Trade is one of the so called Kyoto Mechanisms under the UNFCCC. In this, the central authority sets a limit of cap on the amount of a pollutant that can be emitted. This limit is sold to the firms in the form of emission permits. An emission permit represents the right to emit the specific volume of a particular pollutant. The Firm would need to hold the number of permits equivalent to their emissions. The number of these permits can not exceed a cap. If a firm wants to increase the emission permits, it would buy from
Keywords:Emission Trade, Carbon Trading, CDM, CER, IET, UNFCCC, GHG(CO2), Kyoto Mechanism Carbon Finance, Climate Changed and Global Warming.

16. Demographic Effects on Attitudes Toward Business Ethics Among the Management and Commerce Students in India

Author: Vishal Tyagi, Arun Kumar Tyagi,(Pages: 449-464)


Business is a human activity and so, it involves decisions that are based on certain moral foundations. Given the social and ecological problems at present time, these foundations and the role of business in society must be critically reviewed from an ethical point of view. Business and Commerce students are at the center of this scenario. They interact with businesses and society in multiple roles. They interact as citizens, customers, and employees with the businesses with which they work. They not only shape the development of the organization they work for- as employees members, and thus representatives, of his organization. This research aims to understand the effect of demographic characteristics on attitude towards business ethics of students pursuing post graduate studies in the area of Management and Commerce. This research concludes that there is a complex relationship between different demographic characteristics of commerce and management students on different moral dimensions studied. On some dimensions the variations are significant and on some it’s not so significant. It is recommended to further explore this relationship for a better understanding of demographic effects on different moral dimensions.
Keywords:Business ethics, Student demographic effects on moral dimensions, Ethics attitude

17. Effect of Absenteeism in Organization

Author: Kanika Maheshwari,(Pages: 465-470)


Employee absenteeism is a very critical problem in today’s world. It has become of increasing interest for organizations to measure, understand and control absenteeism as much as possible. In the present study, absences were regarded as voluntary or involuntary based on the reasons provided by the employees or supervisors. It was hypothesized that voluntary as opposed to involuntary absenteeism can be predicted by organizational commitment, job satisfaction, and their interactive effect. Absenteeism is a vital issue that requires immediate attention by both employers and employees. Employees should enjoy the work they are doing and employers on their part should help them in whatever way they can to make their experience a pleasant one. Absenteeism is a habitual pattern of absence from a duty or obligation. Absenteeism among worker is not only important from the point of view of cost concept, but it is important from the point of morale of employees. Frequent absence from the workplace may be indicative of poor morale or of sick building syndrome.
Keywords:Distinctive, Benchmarking, Perceptual, Redressal, Absenteeism.

18. The Importance of Information and Communication Technology (ICT) in Teaching and Learning Process

Author: S. K. Agarwal, Anuradha Sharma,(Pages: 471-479)


ICT have become familiar in all aspects of life. Across the past 20 years, the use of ICT has fundamentally changed the practices and procedures of nearly all forms of endeavor within business, entertainment, governance, banking and education etc. Within education, ICT has begun to have an existence but the impact has not been as extensive as in the other fields. Education is a very socially oriented activity. The quality education has traditionally been associated with strong teachers having high degrees of personal contact with students. However today, the education scenario has been altogether changed. The effective integration of this technology into classroom practices poses a challenge to teachers and administrators. This study analyzes what is happening at schools regarding the integration and use of ICT and to examine teachers’ perceptions about what teaching and learning processes can be improved through the use of ICT. In this study a multiple-case-study research methodology was applied. From a previous exploratory research, four different types of schools were determined to analyze the data. Data show there is a widespread view that ICT in teaching favours several teaching and learning processes. In particular, it shows that the contribution of ICT to the improvement of teaching and learning processes is higher in the schools that have integrated ICT as an innovation factor. The innovations that ICT has brought in teaching learning process include: e-learning, m-learning, u-learning, e-communication, quick access to information, online student registration, online advertisement, reduced burden of keeping hard copy, networking with resourceful persons, etc. To attain this highest level implies that a school not only has to modernize the technological tools, but also has to change the teaching models: the teacher’s role, issues regarding classroom organizational, the teaching and learning processes, and the interaction mechanisms.
Keywords:ICT, higher education, teaching-learning process, higher institutions of learning, quality education, educational innovation, school improvement

19. Bureaucracy in India

Author: Monika Tyagi,(Pages: 480-483)


India’s present administration is a specimen of ancient administrative system and prehistoric regimes. Although in its present form it is fully influenced by the development of British rule, its ancient remains can be seen in the Indus valley civilization and in the political and administrative structures of the oldest empires. Keeping in view the simplicity of the study in this research paper, the development of bureaucracy in India has been cited under separate points. 1. Bureaucracy in Ancient India. 2. Bureaucracy in Medical 3. Bureaucracy in British Colonial Era 4. Bureaucracy after Independence
Keywords:Bureaucracy, Retain Amatya, Sutradhar, Diwan-e-Inshae

20. Growth of Public & Private Sector Bank in the Banking Sector with Reference to SBI & HDFC Bank

Author: Rekha Garg,(Pages: 484-488)


Today the Indian banking system has undergone significant transformation following financial sector reforms adapting international best practices. Several prudential payments integrating and provisioning norms have been introduced and these are shaping up the banks to improve efficiency and trimming down NPAs to improve the financial health in the banking system. In this study a comparison has been made between the public sector banks and private sector bank taking parameters like Non-Performing Asset (NPA), net interest margins etc. The finding reveals that private sector books tend to much better placed. Some private banks like HDFC are performing very much well as compared to the PSU banks. They have low level of NPAs. Also there is a need for the recapitalization of some of the PSU banks for better performance and to reduce the level of NPAs.

21. India Post Payments Banking System

Author: Vaibhav Sharma, R.C. Gupta,(Pages: 489-494)


India Post Payments Banking system is a new kind of banking system. It is promoted with the express purpose of extending the reach of banking to vast majority of the unbanked and under banked segments of the population. Payments bank promoted by India Post is expected to use the physical network of post offices as well as digital platforms such as mobile, internet banking, debit cards, point of sale devices, etc. to provide the designated financial services at low cost to target population. Payments Bank might be able to provide last mile connectivity especially in those areas which do not have any bank branch but has a post office. Its’ huge presence in rural areas and the trust that it enjoys among vast segments of population might enable it to succeed where commercial banks have failed. The present study examines the role and objectives of payments banks with special reference to India Post Payments Bank, relevance in achieving financial inclusion objective, prospective challenges and problems, suggestions for overcoming those.
Keywords:Post Payment Banking System, Rural Network, Daksevak.

22. The Study on Saving Habits of Rural Women’s with Special Reference to Rampur

Author: Tuba Shamim,(Pages: 495-498)


Reserve funds are extremely basic for supporting and building up the individual and the general public. The saving habit engages the women in a single manner or the other. The saving give a few advantages to families. By implication, saving shows reimbursement capacity and furthermore expands FICO assessment. Saving can be characterized as the pay which can't be spent on current utilization, which is just for future. In this paper an endeavor has been made to break down saving habit of Rampur women and furthermore it examines the variables that impact the saving propensities among provincial women. Reserve funds are extremely basic for supporting and building up the individual and the general public. The saving habit engages the women in a single manner or the other. Investment funds could be utilized to oversee planed what's more, startling happenings. Lion's share of the rural people groups are little scale ranchers, their huge piece of their salary is from homesteads in some exceptional cases they possess little and medium undertakings for their pay. Saving can be characterized as the pay which can't be spent on current utilization, which is just for future. In this paper an endeavor has been made to break down saving habit of country women and furthermore it examine the variables that impact the saving propensities among provincial women.
Keywords:rural, savings, empowers, women.

23. A Study of Users Attitude and Motivation Towards Print Media Among College Students in Haryana : Implications for the Design of Dissemination Strategies

Author: Mahendra Pratap Singh,(Pages: 499-513)


Newspaper reading is the easiest means of getting up-to-date information with facts. It makes a man to be considerate and practical in a democratic and civilized society. Reading newspapers in forming public opinion and the people can access all news and updates at their fingertips. Even in this digital world, newspapers in the print form rule out the sleep of passionate readers who are waiting for their morning dailies. Newspaper reading, catering to diverging tastes and outlook, thus has become embedded into the daily lives of people. Conducting a survey with 352 Students pursuing higher education in Arts and Science colleges in Haryana, under a multivariate statistical framework, this research investigated the users' motivations and value importance to the reported news from the readers' perspectives in Haryana. The study employed multi - dimensional scaling (MDS) technique to segment the newspaper market according to the perceived similarities in the respondents' motivations, and the findings offer evidence for the presence of diverging motives among young readers in the State. Multiple discriminant analysis administered in the research was able to make out the perceptual differences of readers based on their newspaper choices. The findings suggested the presence of two dimensions of discrimination among the newspaper brands - language simplicity and news credibility on one side and political bias and coverage of news on the other end. Language simplicity along with political reasons separated Dainik Bhaskar newspaper brands from the leading Hindi dailies, while the latter were favored in terms of the quality of news contents. In sum, youth in Haryana was inclined to adopt a utilitarian approach towards newspaper reading. Hence, the newspaper brands should be more familiar with the perceptual differences among the readers on a wider and richer perspective based on which they should design dissemination strategies to expand their business frontiers.
Keywords:Motivation, Political bias, Quantity of News Socio-economic Development, Information.

24. Knowledge Management at Higher Educational Institutes in Bangladesh: The Case Study of Self-assessed Processes of Two Educational Institutions

Author: Muhammad Mahboob Ali, Vichayanan Rattanawiboonsom, Farheen Hassan,(Pages: 514-535)


Knowledge Management of higher education is correlated to self-assessment process. This can act as a well-thought-out groundwork for effective decisions and work plan relating to quality assurance at Bangladesh. The research was created on secondary sources and presents qualitative research. Department of Accounting and Information System of Jagannath University (JU), Bangladesh and Department of Pharmacy, Dhaka International University (DIU). In command of progress and ensure excellence in Advancement of Educational Institutions are obligatory to be more receptive to the global varying requirements of both types of internal and external stakeholders as observed by the authors. University Grants Commission (UGC), Bangladesh should come forward with ranking system of journal rankings to improve quality of research as observed by the authors. Employability skill among the students with originality and inventive nature is being required. For selecting teachers, in the circular of public universities they should refrain from advertising that private university passed students cannot apply as suggested by the authors. Authors’ recommended that the country need to shape own branding through formulating National educational qualification framework from preprimary to Tertiary level of education with an appropriate connection and evaluation not following mainly Malaysia but also developed nations need to be prepared.
Keywords:Employability Skill; Higher Education and Impact on Macro Economy; Economic Development, Ranking of Journal

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