The journal of contemporary issues in business and government
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INTEREST RATE SENSITIVITY OF SRI RAM TRANSPORT FINANCE LIMITED (SRTFL) TAMILNADU (INDIA) - AN EMPIRICAL ANALYSIS
Get PDFInterest rate risk is major risk arise from dynamic market conditions and strongly affect the net interest income economy value of the financial institutions. This impact will be higher when mismatch between assets and liabilities is wider (maturity and interest rate wise). Therefore, present study analyzed the interest sensitivity of assets and liabilities in largest deposit taking NBFCs in Tamilnadu i.e. Sri Ram Transport Finance limited. The study applied GAP Analysis technique which is popular tool to measure of interest sensitivity in different time period. The study period is six years 2015-2020. The study found that significant and wider gap between assets and liabilities in very short period (1 day to 3 months) and insignificant gap in short period (3m to one year) and long period (one year to five years). Therefore, the study found that, effect of interest rate fluctuations on NII and economic value is higher in short period and insignificant short and long period
FACTORS INFLUENCING DIGITAL BANKING SERVICE QUALITY: A COMPARATIVE STUDY BETWEEN SBI AND ICICI BANK IN BANGALORE
Get PDFDigital banking services in India plays an important role since 5 years as the customers are looking beyond the traditional way of banking. Digital banking Services like Electronic Fund Transfer(NEFT,RTGS,IMPS), UPI, ATM, Cash deposit machine, Mobile Banking Application, Debit Card, Credit Card are growing exponentially since 2017 due to the several initiative by government like incentives for customers and merchants, Demonetization, financial inclusion and for customer and tradersown interest and lastly due to Covid-19. Study conducted in the Bangalore region by using purposive sampling technique. The sample for the study was collected using structured questionnaire with the help of Google form and sample size was 101.
Study found that SBI is strong as compared to ICICI with respect to factors such as Efficiency, System availability, Fulfillment, responsiveness, website design. But whereas ICICI is showing positive significance in the case of Privacy and Website design is concerned
A STUDY ON BENEFITS, CHALLENGES AND FACTORS OBSTRUCTING THE GROWTH OF E- COMMERCE IN BUSINESS WORLD
No full textIn an expanding economy, information technology has played a critical role in the future expansion of trade sectors and business practices. The increased usage of smart mobile services and the internet as a new distribution channel for corporate transactions and international trading necessitates a greater focus on ecommerce security to reduce fraudulent activity. The advent of information and communication technology has resulted in numerous alterations in many aspects of a person's everyday life. E-commerce provides several advantages that increase consumer satisfaction by providing convenience in any location and allowing the firm to obtain a competitive edge over its competitors. This study foresees the conceptual framework of e-commerce, tools used in e-commerce platforms along its importance. In last part of the paper discussion done on the factors obstructing the growth of e-commerce which are considered potential difficulties in a developing economy. In conclusion, we found that there should be adequate market research and analysis for e-commerce. E-commerce does not go beyond the basic principles of good business planning and supply and need. E-commerce allows you to connect to the outside world
IMPROVE THE QUALITY OF COOPERATION WORK CONSULTATION FOR STUDENTS OF PHU THO ELEMENTARY SCHOOL
No full textThe problem of coordination in school counseling for primary school students has been painstakingly studied by scientists and researchers in education and has shown the actual contents of the work. We coordinate consultation and essential requirements for principals and teachers in charge of this work, such as roles, tasks, and responsibilities. Practice shows the role and influence of educational administrators' education for perception and thinking in coordination forces
FARMERS’ PERSPECTIVE ABOUT THE QUALITY, QUANTITY, AND PACKAGING EFFICIENCY OF PADDY STRAW MUSHROOMS (Volvariella volvacea): A STUDY IN DIFFERENT ZONES OF ODISHA
No full textNowadays, mushroom cultivation is one of India's most productive and profitable businesses and encourages employment. It is getting popular gradually because, in a short time, it converts farmers' hard work into a remarkable profit. Despite a favorable climate and low-cost labour, India has witnessed a lukewarm response in its growth. At present, India's total production of mushrooms is 0.13 million tons. The paddy straw mushrooms stand sixth among the mushrooms, biologically known as Volvariella volvacea. These edible mushroom cultivated and consumed extensively in Asian continents all throughout. Often these are available in fresh conditions in the regions they are produced. Still, their quality, quantity, and packaging efficiency while reaching the customers is a significant concern for this sector's profitability and sustainable growth. India is reported a lukewarm response in its development, so has Odisha. A nondescript village, Kutenpadar in Odisha's Kalahandi, reputed for starvation death in the '80s, is now a role model for socio-economic growth and women empowerment. However, scientific understanding still has a long way to go! The current study was conducted via questionnaire among farmers in four zones of Odisha. To infer the zonal variation of Odisha in terms of quality, quantity, and packaging efficiency, rigorous statistical analysis such as significance test, ANOVA, and post hoc testing were used. The four zones have considerable differences in quality, quantity, and packaging efficiency, with packaging efficiency being the main reason
ISLAMIC IDENTITY IN TURKEY'S ORIENTATIONS TOWARDS THE EUROPEAN UNION 1992-2004 A.D
No full textTurkey's membership in the European Union is one of the most historical and decisive events in the construction of the social, economic and political structure of Europe. It is clear that Turkey is not a strong candidate like the others. Turkey is challenging the European system in order to be a part of it.
Ironically, this challenge is as much cultural as it is political for Europe, which is more and more preoccupied with its identity, its borders, and its future. The opening of membership negotiations has alarmed the Europeans, prompting intense and unprecedented debates within the corridors of the European Parliament. The Muslim Turks, on the threshold of the European Union, are once again being imagined by turning back to Ottoman history and memory.
Although EU membership is a political issue. But in the case of Turkey, discussions show that he is beyond politics. It seems that the Europeans are convinced that Turkey is a mirror of the cultural and religious heritage of Europe, and this has sparked an existential reflection on nature and identity thanks to its close interest and active presence at the local and European levels. European Christian churches are among the actors most participating in these discussions in a highly secular Europe Since religion should have nothing to do with politics, what kind of position or role should churches assume? Has religion returned to the new Europe? This paper aims to look at how "Christian Europe", which has historically led the hostile response to Muslim Turks, is now in a position to integrate Muslim Turkey into the European Union
FINANCIAL INCLUSION AN ENABLER FOR GROWTH IN DIGITAL INDIA: ANEMPIRICAL APPROACH
No full textPurpose: An inclusive financial system is essential for absolute growth of a nation. The purpose of the study is firstly to examine the key trends in growth of Mobile banking in India for the last decade (2010-2020). Secondly to determine the key enablers for Financial inclusion in digital India and to analyse the relation between Financial inclusion index and Average rate of growth of real GDP in IndiaDesign/Methodology: The study is based on complete secondary data and it has been collected from official government databases such as RBI, NPCI, World Bank, Global Findex Databases, PMJDY, NSFI etc. The research methodology is descriptive research design. The collected data are analysed using statistical tools such as Graphs, Tables, Correlation and Ordinary Least square inEviews 12.Findings: The study provides insight on the trend of Digital financial inclusion policies in India. India has received greater advantages from the Jan Dhan and Mobile Banking policies throughout the past few years. The study concludes thatin order to create a sustainable environment for the end users there is a need to encourage the regulators, the telecom service provider and the financial institutions.Practical Implication: Financial inclusion and mobile Banking in any growing economysynchronizes with each other. This paper studies the coordination between the two although both are expanding in India. There is a need of customer centric approach as far as technological growth is concerned. The findings of the study may further help to nourish the ongoing procedure and policies of the two schemes and may upgrade the standard of Digital India.Originality/Value: Financial inclusion has been more widely acknowledged as a key contributor towards socio-economic development and Digitalization has become significant for Indian Banking sector. The revolutionary combination of the two major initiatives leads to greater social cohesion and shared economic growth. The paper has also focusedon retail payment systems of USSD portal based M-Banking which is led by the National Payment Corporation of India
INVESTIGATING THE FACTORS THAT INFLUENCE ANGER AND FRUSTRATION OF THE CUSTOMERS
No full textThis research focuses on the association between factors that influence the anger and frustration of the customer in the restaurant. Anger is a feeling that ranges from mild to severe exasperation ferocity and anger and frustration is the reaction to be sad or angry as a result of not being able to change or do something thing. Through random sampling technique, we selected 197 respondents from different departments of Punjab University Lahore. Survey method by distributing questionnaires was utilized for collection of data. Descriptive along with Inferential Statistics was used to analyze results. Results of the study displayed positive and notable connections among all independents and dependent variable except one independent construct which was High Price. Present study identified the impact of environmental conditions of the restaurant towards anger frustration and dissatisfaction of their consumers
SOCIAL MEDIA ADDICTION AND ONLINE IMPRESSION MANAGEMENT IN YOUNG ADULTS
No full textIn the last decade social media has become immensely popular worldwide. It is a way of connecting with family and friends through sharing messages, photos and videos. As time moved forward, social media become a big part of our lives. The addiction of social media is a form of internet addiction which consists of all the features of other addiction disorders. This study aims to understand the relationship between social media addiction and impression management online among young adults. People in the online world present themselves in a manner which seems very desirable to other users which is known as online impression management. In order to maintain this impression online, a user constantly engages in being active on social media which results in high usage of social media. Data was collected using online survey method. A total of 220 people participated in the study out of which 131 participants were female and 89 participants were male. The age range of the participants was between 18 to 35 years. A regression analysis was conducted and a significant positive relationship was found between the variables. Online impression management was found to be a good predictor of social media addiction
A STUDY ON FACTORS INFLUENCING THE PURCHASE OF ELECTRIC VEHICLES IN INDIAN AUTO MOBILE MARKET
No full textThe EV space has getting Hotter day by day with more and more legacy where all the Big Car manufacturing giants are making entry. Pollution has become a major source of concern for the majority of people at present. Everybody wants to live in a pollution-free society, Pollution is primarily caused by automobiles Nevertheless, and India’s automobile registrations are growing at a rapid pace, Petrol and diesel process are also soring high As a result, and modes of transportation started becoming more sustainable and environmentally friendly. This made the electric vehicles to create a space but the adoption rate was not more in India, projections by many manufactures are expected in next 5-6 years, this study includes five independent variables: financial incentives, charging infrastructure, social reinforcement, environmental concern, and price, and one dependent variable, electrical vehicle adoption. The data for the present study was collected from 150 randomly selected respondents across India, Confirmatory Factor Analysis (CFA) were used to analyze the data. The study’s findings demonstrate that pricing has a substantial impact on the adoption of electric vehicle