The journal of contemporary issues in business and government
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Empirical study of National Strategy for Financial Education of India (2020 – 2025) with special reference to awareness of Insurance & Pension Plans
Get PDFThe Organisation for Economic Co-operation and Development (OECD) and its International Network on Financial Education (INFE) is working constantly for the understanding the level of Financial Literacy (FL) and measures to improve it at global level. Government of India has also followed the definition of FL provided by OECD/INFE and further working on the lines of improvement of FL level in the country as the improved financial level of countrymen will also support the development of economy. Indian Government has made its vision very clear about FL that every Indian shall be financially literate and empowered. To achieve this vision Government of India has designed National Strategies for FE time to time. The current National Strategy for Financial Education (NSFE) is designed for the period of five years from 2020 to 2025. This NSFE (2020-2025) policy is designed with a holistic approach to make Indian citizen aware about financial education (FE) related to banking services, financial market services, loan facilities, insurance cover, pension plan the working of all these. Strategy also discusses about the strengthening of banking ombudsmen and other consumer forums for the protection of consumer rights effectively. This study is an attempt to understand the effectiveness of the efforts of government to reach to common people to improve their FL level. Study is conducted in Mumbai Metropolitan Region area to know how the people of the financial capital of the country are equipped with FE. The Study is however, limited to understand the awareness level of people only about insurance and pension related concepts
A STUDY ON FINANCIAL LITERACY AMONG YOUNGSTERS IN CHENNAI CITY
Get PDFFinancial literacy is a combination of skill, knowledge and attitude towards financial related aspects of an individual. It provides to take proper financial decision for the person who need of it. Research has been organized throughout the world in order to identify and measure the financial literacy level .The government has been conducted a financial literacy survey in our country. In general most of the survey insist to find the level of financial literacy. This article focuses to identify the level of financial literacy of the youngster in Chennai and it identifies the Excellency with respect to financial decision. This study identifies that income, qualification, gender and age affects the level of financial literacy. It also finds out the financial alternatives preferred by youngsters. With the help of this study required strategies can be identified and for the betterment in financial decision by the youngster in Chennai city
The Mediating Effect of Job Satisfaction on the Relationship of Employee Engagement and Employee Performance: Empirical Evidence from non-managerial employees of State Bank of India Raipur, Chhattisgarh region
Get PDFAn organization's progress depends on employee engagement and performance. The satisfaction level also leads to their performance as well as the organization's overall growth. Customers perceived State Bank of India as a reliable bank especially in rural India and the employees doing the job in that bank are regarded as the caretaker and custodians of the villager’s hard- earned money. The study analyzes the effect of employee engagement of non-managerial employees at SBI in the Raipur region of Chhattisgarh on their employee performance when mediated through their job satisfaction. The predictor variable was employee engagement, the mediator variable was job satisfaction and the dependent variable was employee performance. The findings revealed that there was a significant indirect effect of Employee Engagement on Employee Performance through Job Satisfaction
Impact of Covid-19 on Infrastructure Sector in India
Get PDFIn June 2020, COVID-19 cases increased, making India the third-worst affected nation globally. However, the lockdown had a considerable effect on the infrastructure sector's output, including but not limited to the transportation, power, and construction subsectors. Although there are several causes for this, the lack of human capital made it more difficult. This paper aims to evaluate the fundamental situation in India and discuss possible impact on the infrastructure sector
Upcoming Need of Geriatric Healthcare: An investigation in India
Get PDFPurpose: With the background of surging greying population India has emerging pressure on the healthcare system because aged people are more susceptible to health problems. Therefore, present study aims: firstly to explore how the health complains among the elders are distributed across the rural-urban sectors; and secondly, what is the nexus between socioeconomic status and health complains.
Research Design: The study has analysed unit-level data for the elderly (60 years and above).The analysis has two parts: firstly, the study explored the distribution of health complains using the descriptive statistics and econometric analysis explored the relationship between socioeconomic status and health complains across the sectors.
Findings: The study finds that health situation of the elderly has deteriorated and the rural-urban sectorial gap has widened during over time. Findings suggest that socioeconomic status has close congruence with the self-reported health status but the relationship largely varies due to sectorial residency.
Implications: Firstly, the study identified the trend of the elderly population's perception of their health over a decade, which can help to understand the future healthcare demand. Secondly, the study conducted an in-depth analysis to comprehend how socioeconomic characteristics influence perceptions of health in a rural-urban framework, which can shed light on the sources of emerging healthcare needs.
Originality: To the best of my knowledge, this is the first study to make an effort to pinpoint the sectorial geriatric health trajectory, the health gap, and related contributing socioeconomic determinants of the aged over a decade, specifically in the context of India
ORGANISATIONAL CULTURE AND JOB SATISFACTION: A STUDY OF FACULTY IN HIGHER EDUCATION
Get PDFThe succession of attitudes and behaviors espoused by employees of a given organization that affect its function and overall well-being is referred to as organisational culture. It is vital for any organization's success and plays a critical part in shaping an organization's strategies. Employee opinions and attitudes toward the working environment and work experience are measured by job satisfaction. The purpose of the present study was to explore the faculty of the University of Delhi's attitude towards organisational culture, their job satisfaction levels, and the relationship between the components of culture and job satisfaction levels. Data in this study were collected from a total number of 100 faculty members of University of Delhi. It further examines demographics (gender, age, experience in present college and type of college) on job satisfaction levels and culture components. Data analysis indicated a moderate level of job satisfaction among the faculty of University of Delhi, which needs to be improved. There was a significant positive correlation between job satisfaction levels and the organisational culture components; therefore, improvement in culture is expected to lead to better job satisfaction levels
A Comparative Study on Financial Performance of Private and Public Setor Bank in Ethiopia With Special Reference to Affecting Factors and their Impact on Performance Indicators
Get PDFThis paper discovers a comparative Study on Financial Performance of Private and Public Sector Bank in Ethiopia with Special Reference to Affecting Factors and Their Impact on Per- formance Indicators. This study uses different econometric methods. This research is mainly based on secondary data, appropriateness and availability of data is very important for carried out this research. Data collection design consists of planning for collecting required data from adequate source. Population: For this research work, population consists of all 26 pri- vate sector banks and all 2 State Owned banks or Public Banks working in Ethiopia during financial year 2002 - 2013. Sample: As this research work is based on secondary data all 26 private sector banks and all 2 State Owen banks has been selected as a sample. So in this re- search census has been studied rather than sample. Time Frame: Secondary data for selected parameters of all private and State Owned banks has been collected for last 12 year i. e. from year 2002 to 2013. The Partial result of study indicate that Private sector banks performance is good compare to public sector banks in terms of capital adequacy ratio (level – I) , Public sector banks performance is good compare to private sector banks in terms of capital ade- quacy ratio (level – II) and This research work is completely based on secondary data, which may be extended by taking views of top level employees of banks on financial performance of banks, which may help researcher to identify factors responsible for difference in financial performance of banks
CONCEPTUAL FRAMEWORK FOR VIRTUAL TEAMS WITH REFERENCE TO ARTIFICIAL INTELLIGENCE AND EMPLOYEE ENGAGEMENT
Get PDFCovid-19 has brought a lot of changes in the organization structure from the working style to Employee Engagement. IT based technology has overtaken the market and is playing a crucial role in engagement of virtual teams. This research aims to see whether the use of AI-based technology, tools, and software can help management detect intangible things such as employee engagement level and provide clues as to what factors influence it and how management can improve it with special reference to virtual teams.
This paper does systematic literature review which has twofold purpose: to identify the role of artificial intelligence in employee engagement in general and on virtual team in particular, and also the role of employee engagement in virtual teams and other purpose is to propose a theoretical model that can be useful for future research.
This research is a qualitative approach. Research connected with the subject available till November 2021 has been reviewed using electronic databases such as ABI/INFORM Complete, EBSCO, Emerald Insight, ProQuest, SAGE Journals, Science Direct (Elsevier), Scopus, Springer Link, Taylor and Francis Online, Wiley Online Library.
This research has shown that the use of AI based software can ingnificantly help management, not only to find out the status of each employee’s level of involvement but also to anticipate their attitudes and behaviors through predictive indicators. Thus, the company can proactively retain key employees. This research provides new and practical insights and opportunities for company owners and leaders to utilize technology to detect something that is naturally quite difficult because it requires specific knowledge and experience
A STUDY ON IMPACT OF ADVERTISING ON CONSUMERS BUYING BEHAVIOR WITH REFERENCE TO SELECTED FMCG
No full textUnderstanding of the consumers buying behavior and examining procedures of decision making necessitates the need to identify the awareness towards advertising of the FMCG products that offers relevant product information to the consumer. This paper aims to explore the role of advertisement on attitudes towards buying behavior. Questionnaire has prepared to evaluate the impact of advertisement. Here, the researchers have used convenience sampling method for distributing the questionnaire in order to study the impact of advertising on consumers buying behaviour with special reference to FMCG products. The study was carried out involving a survey on 180 sample size and the consumer are chosen the age limit of 18-45 years in Bangalore City. Five brands have been taken into consideration as FMCG’s brand Parle Agro, ITC, Dabur India, HUL and Britannia. According to the analyzed data, advertisement variables show a positive impact on consumer buying behavior in Bangalore city. According to the regression analysis Brand of products shows more impact of the consumer buying behavior than a label and environmental advertisement. These results of this research exposed that advertisement attracts towards the preference and choices to influence the consumer buying behavior
Would Islamic Finance Have Prevented The Current Global Financial Crisis?
Get PDFThe embodiment of Islamic banking is so not the same as traditional banking, as it employments a risk-sharing procedure that provides a genuine opportunity to consider whether or not the way in which ordinary banking is attempted still remains the finest alternative, in all cases couple this with the fact that there has been increased globalisation of financial services, in recent years, and the opportunity to use Islamic financing principles in a wide range of countries is now much more relevant. Concerns have been raised about the activities of the conventional banking sector, particularly following the recent financial crisis. Accordingly, taking a gander at choices, for example, the Islamic financial area is a genuine chance to roll out appropriate improvements. Despite this, there are challenges confronting the Islamic banks in attempting to acquire general allure. One of the major issues is the fact that many Islamic banking establishments are dealing with developing countries which have their own set of challenges, especially in times of economic difficulties. Besides, the legitimate structures encompassing Islamic keeping money have not kept pace; As a result, many of the Islamic banking rules and regulations are outdated and will no longer help the core of how Islamic banks operate. With this in mind, it is proposed that a much stronger legal structure is needed to promote Islamic banking, and that, in the long run, Islamic banks are unlikely to gain widespread global acceptance. It takes time to persuade investors all over the world to change their ways, and trust must be earned. Nonetheless,, without having a legal structure in place, it is difficult to gain this level of confidence; therefore, getting the frameworks in place will be a crucial part of ensuring that the Islamic banking sector is in the appropriate place to benefit from a period of growth which is likely to take place as part of the recovery from the current economic position