International Journal of Engineering and Management Research
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Exploring Factors Influencing the Financial Success of Public and Private Life Insurers in India
No full textPurpose - This research aims to comprehensively explore the factors that impact the financial success of commercial & public life insurers in India. Going beyond conventional metrics, the study incorporates non-monetary indicators such as client centric, growth, and social value. It also delves into often overlooked external factors impacting insurance companies and considers the differences in the functioning of commercial & public life insurers. Design/Approach – This research adopts a systematic sampling framework, selecting 10 life insurance firms, which comprises the state-owned giant Life insurance corporation of India (LIC) as well as, nine commercial insurers. Data is collected over a five-year period (2015-16 to 2019-20) from various secondary sources, including published literature, annual reports, and regulatory documents. Both descriptive and hypothesis testing including multiple linear regression and correlation analyses, are employed to assess the significance of cash flow/ liquidity, leverage, solvency and workforce size on financial performance.Findings -Descriptive statistics highlight variations in mean values among the selected variables, emphasizing their significance in determining financial performance. Correlation analyses reveal weak associations among variables, while regression analysis indicates that current ratio and size significantly impact profitability. Notably, public and private insurers show differences in Return on Equity and Expense Ratio, while no significant difference exists in Return on Assets.Research Limitations – While the study has valuable contribution, it’s important to consider its limitations. The analysis relies on secondary data, and the sample size, though systematic, is relatively small. Additionally, the study’s findings may not be applicable to life insurers in other regions due to its focus on India.Practical implication- The findings provide actionable insights for practitioners in the insurance industry, offering guidance on enhancing profitability through attention to liquidity and workforce size. The findings identify the key drivers of profitability for life insurers in the current market. Regulatory bodies can leverage these insights to foster a healthy competitive environment in Indian life insurance companies
Visualizing Bibliometric Networks on Green Advertising Literature: What we know and what we do not know
No full textThis article aims to perform a bibliometric analysis of the extant research in the area of green advertising to identify the dominant themes and research gaps in the said area. For the purpose of the study, 220 articles were sourced from the Scopus database after running a search query using designated keywords. This study examines the literature on green advertising over the last few years and reviews the published documents using VOSviewer software. While shortlisting the research articles, open-access articles, conference papers, and papers written in other languages were discarded. The study shows the key research trends in the area of green advertising, in terms of parameters like co-author analysis, keyword analysis, country analysis, and organizational analysis. Journal of Advertising, International Journal of Advertising and Sustainability are the leading journals publishing papers in the area of green advertising. China, the United States, and Korea play a major role in research on this topic, with the highest number of corresponding authors coming from these three countries. The findings provide useful insights to academicians in terms of directions for further research that needs to be done
An Assessment of E-Waste Management Challenges in Zambia
No full textElectronic wastes (E-waste) are wastes which contain harmful and toxic components that can harm the environment and human health. Therefore, proper E-waste management is cardinal for any nation but majority of the developing countries such as Zambia face challenges of managing E-waste. The aim of this research was to assess E-waste management challenges in Zambia. The study employed a descriptive quantitative research design and a sample size of 168 was determined using Yamane formula. A structured questionnaire was used to collect data and the collected data was analyzed using the Software Package for Social Sciences (SPSS). The results revealed that lack of funds and investment, lack of recycling technologies, and inefficient infrastructure are significant challenges in managing E-Waste materials. However, the lack of government policies and regulation was found not to be a significant challenge. The regression analysis conducted showed that the correlation coefficient R (a relationship between E-waste management and E-waste management) indicated a moderately strong positive correlation of 0.76. The coefficient of determination, R Square, was 0.649, meaning that 64.9% of the variance in E-waste management can be explained by E-waste challenges. The recommendations for addressing e-waste management challenges in Zambia based on the results from the study are to develop a comprehensive e-waste management policy, increase public awareness, develop e-waste recycling infrastructure, encourage the circular economy, strengthen the capacity of regulatory bodies, and increase collaboration between stakeholders
Forensic Accounting and Auditing: Uncovering Financial Frauds
Get PDFThe field of forensic accounting combines accounting, auditing, and investigative methods to uncover, examine and deter financial fraud and misconduct. It plays a crucial role in both legal and corporate environments by examining financial records for evidence of fraudulent activity, quantifying damages, and providing litigation support. Forensic Accountant collaborate closely with law enforcement, regulatory agencies and legal teams to examine to white-collar crimes like embezzlement, money laundering, tax evasion and securities fraud. Forensic accounting involves advanced data analysis, fraud detection techniques, and a deep understanding of legal frameworks. It is vital for ensuring financial transparency, protecting organizational integrity, and aiding in the prosecution of financial crimes. As economic crimes become more sophisticated, forensic accounting continues to evolve, adapting to new challenges and technologies in fraud prevention and investigation
Image Text to Speech Conversion using Optical Character Recognition Technique in Raspberry PI
No full textOptical Character Recognition (OCR) is a subset of artificial intelligence and is a subset of computer vision. Optical Character Recognition (OCR) is the use of Raspberry Pi to convert scanned bitmap images of handwritten or written text into audio performance. OCRs designed for a variety of world languages are now in use. In this method the context subtraction method based on the Gaussian mixture is used to recover the area of the moving object. For text content, the function of text localization and recognition is used. The text localization algorithm and the Tesract algorithm and edge pixel distributions based on the gradient properties of the stroke directions were used to automatically translate text areas from the object in the Ada enhancement model. In the translated text areas text characters are converted to binaries, which OCR software understands. For the blind, known text symbols are strongly pronounced. The potential of the algorithm for the proposed text location. The text file describes the character codes using the Raspberry system, which recognises the characters by using Tesract\u27s and Python, and the audio output is heard in the recognition step
Impact of Goods and Services Tax on Micro, Small and Medium Enterprises
Get PDFIn the present scenario Micro, Small, and Medium Enterprises face several challenges. One of the changes in the Indirect Tax regime was the implementation of the Goods and Services Tax. The changes in Goods and Services Tax regime laws and rules bring another challenge to the Micro, Small, and Medium Scale Sector. To find out the impact on various aspects such as applying of Goods and Services Tax, created the registration for taxation and high compliance burden by using random sampling technique in which 78 MSME entrepreneurs were selected in Udupi District of Karnataka State. The data required for this study is collected through both primary and secondary sources. The purpose of this study is to analyze the impact of goods and services tax on the MSMEs sector. It was concluded that the impact of Goods and Services Tax on the Micro, Small, and Medium Scale sector can go both positive and negative ways
Impact of Import and Export on the Economic Growth of Ghana
No full textThis study investigates the impact of import and export on the economic growth of Ghana by using a multiple linear regression model. The variables of interest for these models were the gross domestic product representing the economic growth as the dependent variable. Import, export, foreign direct investment, and population were the independent variables used in determining the relationship they have with economic growth. Secondary data on GDP, import, export, population, and FDI were accessed from the World Bank website to satisfy the model which was run through a regression software called STATA. The results from the study indicated that both import and export are tremendously important factors in effecting growth in the economy of Ghana. Population on the other hand shows a negative effect on the economy. This research then suggested that more exports must be encouraged to boost the growth of the economy
Packet Sniffing
No full textPacket sniffing is a technique used to monitor network traffic by intercepting each packet that flows across the network. It can be used as a helpful administrative tool or for malicious purposes. With the advancement of technology, the network is growing rapidly, resulting in an increase in network traffic. Therefore, it is crucial to monitor both the network traffic and the activities of its users in order to maintain a smooth and efficient network. However, monitoring a large network can be a complex task due to the large number of packets involved. This is where packet sniffing comes in handy. Packet sniffing plays a vital role in network monitoring as it allows network administrators to identify any weaknesses in the network. This paper focuses on the use of packet sniffing in various environments, such as cyber attacks and ethical purposes. By utilizing a packet sniffer, we can capture and analyze network traffic. Different protocols, such as TCP, IP, and UDP, are implemented, and filtering based on these protocols is also performed
A Study of the Role of the Manufacturing Sector in Zambia’s Economic Growth – A Quantitative Approach
No full textZambia has embraced Vision 2030 making it a middle-income nation as a project delivery method. The country faces constraints that have made this provision a challenge. The Manufacturing sector plays a role in contributing to this challenge. The purpose of this study was to understand the contribution of each sector identified as key economic sectors in Vision 2030 towards economic growth, with a bias towards understanding the contribution of the manufacturing sector to economic growth. The study made use of quarterly time-series quantitative secondary data from 2014Q1 to 2021Q4 that was analyzed using the ARDL model through regression analysis. The study found a long-run relationship that exists between the dependent and the independent variables using the ARDL bounds testing approach. The study has found that there is no statistically significant relationship between Economic growth and manufacturing sector output in the long run. However, the study shows that there is a short-run positive effect of manufacturing sector output on Economic Growth in the current period and with a lag of two periods. Therefore, manufacturing sector output is a short-run determinant of economic growth. This, however, is argued to be not ideal as Vision 2030 promotes long-term growth. This is because the manufacturing sector coupled with exports has the potential to accelerate sustainable economic growth in developing countries like Zambia. This Study has established the need for aligning gaps in the manufacturing sector. Therefore, it is proposed that there is a need for sustained relevant investment in the manufacturing sector for it to yield long-term positive effects. Economic growth is very essential for all economies and the role of the manufacturing sector can help achieve this goal
The Role of Contingent Workforce on the Vodafone-Oman Company Performance
No full textThrough contingent workforce, organizations can quickly add or remove their labor force in response to the changes in market demand. As per their seasonal demand requirements, most of the companies are gaining benefit through this flexible approach of recruiting the contingent employees. During the un-season or no-sales period, the management can easily remove these contingent employees and during the high-demand and peak-season period management can easily hire the new intake of contingent workers as per the situational requirement. This is how the management can reduce the burden of additional labor cost during their un-seasons and they are raising organizational performance and productivity during their peak seasons. Without making any long-term commitment the companies can test and use the skills and abilities of contingent workforce. Especially when the companies wish to expand, their branches to new territories and those who wish to start their new business with new products to test the market, these contingent workers are more profitable and cost saving strategies to the companies. The contingent workforce can also deliver the best of their wider pool of talents and skills in the organizations. With the rise of remote work and the gig economy, companies are taking quick decisions to hire the talent in their immediate geographical areas. This opens a world of possibilities for finding the right person for a specific job. Moreover, contingent workers often bring specific expertise and skills, which might be not available in the organization. This is an added advantage to the projects or initiatives, which have linked with specific and unique skills or knowledge. In many organizations, contingent workers are hired through third parties or consultants. In some companies, they are offering payment for number of hours worked or one lump sum amount after completion of total project work. Generally, these contingent workers will be recruited with no extra perks, appraisals and leaves as like as full time employees. Contingent workers have to perform as like as full-time workers even though they will be paid less comparatively with the full-time workers