Management Journal for Advanced Research
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A Comparative Study on the Digital Services Offered by Commercial Banks and Mobile Network Operators (MNOs): A Survey of Standard Chartered Bank Lusaka Customers
Full text linkThis study aimed to compare the utilization of digital financial services provided by Standard Chartered Bank (SCB) and mobile network operators (MNOs) among customers in Lusaka, Zambia, with the ultimate goal of enhancing financial inclusion. The specific objectives included analyzing usage trends, examining determinants affecting customer choices, and identifying potential improvements based on customer experiences and expectations. A mixed-methods approach was employed, combining quantitative survey data with qualitative insights. The findings revealed that MNOs were the most frequently used digital financial service providers, with 39.7% of respondents indicating a preference for services like MTN Mobile Money and Airtel Money. SCB also had a significant user base, with 36.2% of respondents utilizing its digital financial services. Convenience emerged as the most influential factor in determining customer choices, followed by security and ease of use. However, several challenges were identified, including the complexity of services, poor customer service, and lack of awareness. The study also highlighted significant differences in satisfaction levels across different income groups, suggesting that income influences perceptions of service quality. Based on the findings, the study recommends simplifying user interfaces, enhancing security measures, increasing awareness and education, improving customer support, and expanding service features to address the identified challenges and promote greater financial inclusion. These recommendations aim to guide policymakers, financial institutions, and service providers in developing more user-centric and effective digital financial solutions. The study concludes that addressing these areas can significantly improve the user experience and increase the adoption of digital financial services, thereby advancing financial inclusion in Zambia
Stress Coping Strategies Adopted by Selected Banking Employees in Tamil Nadu
Full text linkOccupational stress has become an increasingly prevalent concern in the dynamic and demanding environment of the Indian banking sector. With the evolving roles of bank employees, fueled by technological advancements, regulatory changes, and increasing customer expectations, stress has emerged as a critical challenge affecting both individual well-being and institutional productivity. This study explores the various stress coping strategies adopted by selected banking employees across public and private sector banks in Tamil Nadu, aiming to understand how they navigate work-related pressures while maintaining their professional responsibilities. Using a mixed-method approach, primary data was collected from 800 banking professionals across key districts in Tamil Nadu through a structured questionnaire, supplemented by in-depth interviews. The study identifies and ranks fifteen core coping mechanisms, including time management, open communication, physical exercise, social support systems, mindfulness practices, and periodic skill enhancement. The findings reveal a clear variation in coping strategies based on organizational type, employee designation, age group, and work experience. Public sector employees tend to rely more on structured support systems and peer communication, whereas private sector employees show a higher inclination towards individual techniques such as digital detox and fitness routines.The study highlights the importance of institutional support in stress mitigation and recommends the integration of wellness programs, flexible scheduling, and stress management workshops into the HR policies of banks. Furthermore, it emphasizes that while individual resilience plays a crucial role, long-term solutions lie in creating a workplace culture that prioritizes mental well-being and work-life balance. The insights derived from this study offer valuable implications for banking institutions, policymakers, and human resource managers seeking to enhance employee satisfaction, reduce burnout, and ultimately, improve service delivery in the financial sector
Impact of Financial Literacy on Investment Behaviour of Millennial in Developing Countries
Full text linkThis study has focused on the impact of financial literacy on the investment behaviour of the millennials in developing countries. As economies evolve and grow more complex, the requirement of the financial knowledge has become increasingly significant, especially for the younger generation. This research study has therefore identified how millennials in the developing countries often make some poor investment decisions influenced by the behavioural biases and a lack of financial education. Unlike other individuals in the developed countries who demonstrated higher levels of the financial awareness, many millennials in developing regions, like, South Asia or Africa face several financial instabilities resulting from the inadequate financial skills. Using qualitative secondary methodology, this study has analysed previous literature, reports and case studies to investigate the role of financial literacy in shaping the savings and investment behaviour, key findings highlight that financial literacy positively correlate with the stronger saving-investment habits and negatively correlate with the financial issues. Two major psychological biases, namely, overconfidence and herding can be found to influence the investment choices of the millennials. Furthermore, this study shows that financial literacy can mitigate the effect of these biases, enabling the better decision-making.
A conceptual framework has also been proposed to illustrate the relationship between the financial literacy, behavioural biases and the investment behaviour. The findings suggest that strengthening financial literacy among the millennials can contribute not only to the personal financial well-being, but also it enhances the economic stability within the developing countries. It recommends that financial education at the early stage can increase the investment awareness initiatives to empower the youth with necessary financial decision-making skills. This study further concludes the enhancing financial literacy is the key to foster more rational, informed and sustainable investment behaviour among the millennials within the developing countries
Evaluating the Socio-Economic Analysis of Agricultural Labourers for Wages Gap and Differences in Modern Livelihood
Full text linkThe research assesses the socio-economic status of agricultural worker, wage inequalities, and livelihood changes in contemporary agriculture. With India\u27s Agricultural sector significantly transforming through mechanization and institutional change, worker shortages and varying wages have risen as key issues. The paper intends to discuss the effects of modernization and technological change on job security, income stability, and living conditions of Agricultural workers. A mixed-method strategy, involving a combination of both qualitative and quantitative methods, was utilized. A structured questionnaire-based data collection took place among 150 Agricultural laborers in the Siwan district of Bihar on a stratified random sampling basis. Analytical software like MS Excel and SPSS were employed to evaluate the correlation, variation in means, and regression analyses. The result indicates a direct positive correlation between socio-economic standards and remuneration, demarcating variance in education levels, income profiles, and jobs stability. Modernization and the process of technological change have a critical impact on livelihood sustainability and job security, where mechanization is a force both enhancing efficiency and displacing labor. The research highlights the call for equitable wage policy and inclusive labor sustainability strategies to reconcile agricultural productivity with rural economic stability
Towards an Effective Education System: Harnessing Factors to Enhance Students’ Performance
Full text linkThe objective of this study was to assess the impact of student engagement on academic performance. Student engagement refers to their participation in scholarly activities and adherence to the university’s goals. The study involved 578 students from different higher educational institutes and universities in central India. The results indicate that cognitive engagement, emotional engagement, and behavioral engagement have a significant impact on academic performance. The research findings would assist academic administrators, professors, and governments improve student performance
Understanding Employee Opinions on Balanced Scorecard Practices in IT & ITES Firms- A Study with Special Reference to Chennai and Bangalore
Full text linkThe Balanced Scorecard is widely recognized as an essential strategic management tool that integrates financial and non financial measures to provide a comprehensive view of organizational performance. This study explores employee opinions on Balanced Scorecard practices in selected IT and ITES firms in Chennai and Bangalore, two major technology hubs in India. The research examines the extent of Balanced Scorecard adoption, the types of metrics used, and the strategic purposes it serves in daily organizational operations. Findings reveal that employees view the Balanced Scorecard as valuable for improving business processes, assessing managerial effectiveness, supporting informed decision making, and ensuring compliance with industry standards. However, challenges such as difficulty in monitoring managerial productivity and gaps in communicating strategic priorities are also noted. Overall, the study shows that the Balanced Scorecard helps IT and ITES firms align strategy with operations, strengthen performance management, and enhance long term organizational effectiveness while highlighting areas requiring improved implementation and communication
Determinants of Financial Well Being: A Study of Urban Working Women in West Bengal
Full text linkThis study investigates the facilitating role of Financial Skills and Financial Autonomy on Financial Well Being of Urban Working Women in West Bengal. In the methodology of the research study, a primary survey was carried out in a cross-sectional manner and 332 participants were studied. It investigates the structural covariance among latent factors like Financial Autonomy, Financial Skill (FSK), Financial Well-being (FWB), and Money Management Stress (MMS) through Structural Equation Modelling (SEM). The questionnaire comprised of validated questions that evaluated the constructs of interest, and it was developed through a literature review of financial behaviour and psychological well-being found in Behavioural Economics Literature. The final SEM model consisted of three latent variables as per a well-established theoretical framework. The findings indicate that Financial Skills in combination with Financial Autonomy or the ability of an individual to independently manage their finances, make informed financial decisions, and take effort towards their own financial goals emphatically increases Financial Well Being and reduces Money Management Stress in Urban Working Women
A Study on Financial Performance of Motilal Oswal Ltd.
Full text linkFinancial performance is a critical aspect of any organization, reflecting its ability to generate earnings and sustain itself over time. At its core, financial performance is a measure of how well an organization utilizes its resources to generate revenue, manage costs, and create value for its stakeholders. The theoretical background of financial performance is rooted in various financial theories and concepts, including the Efficient Market Hypothesis (EMH), Agency Theory, and Signaling Theory. These theories provide insights into how financial performance is influenced by factors such as market efficiency, agency costs, and information asymmetry. Financial performance refers to how well a company manages its assets, liabilities, and overall financial health to generate revenue and achieve profitability. It\u27s a comprehensive evaluation of a company\u27s financial standing, encompassing its ability to utilize resources, manage debts, and generate profits.
Objectives of the Study: The objectives of the present research is to analyze the financial performance of Motilal Oswal limited using key financial ratio, Examine the liquidity and solvency position of Motilal Oswal limited, To examine the impact of debt implications on shareholders networth and also to evaluate overall financial performance using dupont analysis.
Research Methodology: The Present study is based on secondary data.. To gather the relevant information, such as the net profit, total revenue, and working capital, the financial data from the companies five-year financial statements has been utilised. From the year 2020 to 2024 data and secondary data has been collected from research articles published in journals of repute, besides this authors have collected data from capital line database and authentic e-sources such as money control.com, ticker finology sources are utilised. Ratio analysis is the financial tool used to determine the key financial performance of Motilal Oswal Ltd.
Principal Findings of the study: Effective and efficient financial performance is critical to the survival and increased profitability of any firm. Analyzing financial performance is crucial for determining the company\u27s profitability and potential risks. Company\u27s long-term debt to shareholders\u27 net worth ratio has increased significantly over the years. In 2020-2021, the ratio was 0.27, indicating that long term debt was approximately 27% of shareholders\u27 net worth
Social Commentary and Narrative Reflexivity: A Study of Meta-Storytelling in Made in Heaven
Full text linkMeta-narrative is the overarching framework of storytelling that gives meaning to small narratives within a story within a social and cultural context. This study focuses on the web series named Made in Heaven, both season 1 and season 2 on Amazon Prime to describe the use of meta-storytelling. This research investigates in which way Indian weddings function as an in-depth narrative that stages broader discourses on gender, patriarchy, caste, as well as sexuality within the contemporary society in India. The reflexive structure as well as social commentary are considered in this study for describing meta-narratives. This research study uses qualitative content analysis of both seasons of the mentioned web series for exploring the construction of the story and representation of meta-storytelling through embedded social commentary and narrative reflexivity. The analysis of the study highlights how the narrative structure of the web series amplifies the social critique of the web series named Made in Heaven, considering the contemporary Indian society
Analysing the Supply Chain Dynamics in Indian Tourism
Full text linkThe Indian tourism sector plays a crucial role in the country\u27s economy, offering a diverse range of attractions from historical monuments to natural wonders. Understanding the supply chain dynamics within this sector is essential for optimizing efficiency, enhancing visitor experiences, and sustaining growth. This project aims to analyse the intricate network of suppliers, intermediaries, and service providers that contribute to the Indian tourism supply chain. The study will employ a multi-disciplinary approach, integrating insights from tourism management, economics, and logistics. Utilizing both qualitative and quantitative methodologies, data will be collected from various stakeholders including tour operators, accommodation providers, transportation services, government agencies, and tourists themselves. Key aspects to be examined include the flow of goods and services, information exchange, regulatory frameworks, and the impact of external factors such as policy changes and technological advancements. Through comprehensive analysis, this research seeks to identify challenges, opportunities, and potential areas for improvement within the Indian tourism supply chain. Findings will not only benefit industry practitioners by informing strategic decision-making and resource allocation but also contribute to the broader academic discourse on supply chain management in the context of the tourism sector. Ultimately, the insights generated from this study aim to support the sustainable development of Indian tourism, fostering economic growth while preserving cultural and environmental heritage