INCLUSION AS A MANAGERIAL LIFE SKILL FOR ENHANCING EMPLOYEE PERFORMANCE
This study examines the relationship between the job performance of employees with disabilities and inclusion as a life skill among managers. Empowering managers should be a top priority for firms looking to improve their inclusion quotient since inclusion is crucial in both societal and organizational contexts. More than a workplace practice, inclusion is a transformative skill that drives personal growth and organizational development. Diversity and inclusion contribute to better decision-making, higher productivity, and sustainable organizational change. Employees with disabilities, when provided an inclusive environment, can make significant contributions to organizational goals with enhanced commitment and performance. This study conducted surveys and interviews as part of a mixed-methods strategy, and it analyzed data using correlation and content analysis. The findings demonstrated an important positive correlation between managers' inclusive behaviors and the job performance of employees with disabilities, which is significant information for management, researchers, and human resources professionals.
Copyright (c) 2026 Dr. Hanisha Bhagat, Prof. Surinder Kaur, Dr. Deepak https://creativecommons.org/licenses/by-nc-sa/4.0
EXAMINING WORK-LIFE INTEGRATION AND WORK FULFILLMENTS AMID WOMEN PROFESSIONALS IN THE SERVICE SECTOR
In current scenario, the type of task in service field has changed substantially. Earlier the discussion was generally about work life balance, but now it has slowly shifted to work life integration means where professional work and family responsibilities are planned in more adaptable and connected form. Therefore, present research aims to examine the domination of work-life integration on overall quality of work-life and work fulfilments among women professionals in the service sector. This concept is essential for women employees who often perform multiple tasks at a single time, balancing their personal and professional responsibilities, while also trying to meet their individual goals and aspirations. This has become a critical issue affecting their performance and well-being. The research work is predominantly based on primary data, collected from 226 women professionals employed in different segments of the service sector. Quantitative methods were employed using IBM SPSS 25 for data analysis. Statistical tools including Fisher’s ANOVA and Pearson’s correlation were applied to identify significant relationships among key variables such as organizational facilitation, job satisfaction, career growth, emotional labour, autonomy and flexibility in work schedules. The analysis reveals that effective management of work-life balance positively linked or correlates with job satisfaction or work fulfilments and perceived well-being. Mentioned determinants such as flexible working setups and organizational support significantly leads to stress mitigation and better performance outcomes among female employees. The findings provide practical assistance for human resource managers and policy authorities to design or improve work-life balance strategies. Implementing supportive organization policies can contribute to higher employee participation, retention, and work outputs. This research contributes to the limited literature on gender-defined, work-life balance obstacles in the service sector, and provides empirical evidence on its implications for organizational performance and employee job satisfaction.
Copyright (c) 2026 Ms. Deep Shikha Chaudhary, Professor V. K. Dwivedi, Dr. Bharti Shukla, Ms. Shoeba Tazeen https://creativecommons.org/licenses/by-nc-sa/4.0
UNDERSTANDING RURAL CONSUMER BEHAVIOUR IN EMERGING FOOD RETAIL FORMATS: A STUDY ON PURCHASING TRENDS AND RETAIL PREFERENCES
This study examines the purchasing behaviour of rural consumers, focusing on their preferences for different product categories and retail store types within an emerging rural landscape. The objective is to explore the most frequently purchased product categories, rural consumers’ perceptions of organised and unorganised retail, acceptable travel distances for food and grocery shopping, and preferred types of retail stores. Data were collected from 502 rural respondents using a structured questionnaire. The analysis considers variables such as distance to retail outlets, awareness of retail formats, and demographic characteristics. Findings indicate that food and groceries are the top-purchased items, with most consumers able to distinguish between organised and unorganised retail stores. While unorganised retail remains the preferred option, a significant number of respondents also shop at organised outlets. Many consumers source food and grocery items from nearby village markets, emphasising the importance of accessibility. These insights offer valuable implications for retailers targeting rural markets by highlighting the importance of convenience, familiarity, and the diverse socioeconomic profile of rural consumers.
Copyright (c) 2026 Ms. Monika, Dr. Chaman Lal, Prof. (Capt.) Bhupinder https://creativecommons.org/licenses/by-nc-sa/4.0
A MAPPING RESEARCH TRENDS IN GREEN FINANCIAL INSTRUMENTS: A GLOBAL AND INDIAN PERSPECTIVE
Through a bibliometric analysis of 244 Scopus-indexed articles (2015–2025) and a systematic review of 20 India-focused studies, this study investigates both Indian and global research on green financial instruments. The results indicate that green finance research is expanding quickly, with China producing the most and India exhibiting robust international cooperation. Green bonds, ESG disclosure, greenwashing, climate finance, renewable energy, and fintech-driven sustainability are important thematic clusters. The Indian review notes enduring problems like low investor awareness, inconsistent disclosure, and greenwashing risks, but it also highlights growing interest in ESG metrics and green bonds. The study calls for more rigorous, technology-integrated, and policy-relevant research to strengthen national and international green finance ecosystems. Overall, it shows significant progress in the field while pointing out methodological gaps and a lack of use of sophisticated analytical tools.
Copyright (c) 2026 Dr. B.D. Mishra, Dr. Aakash Sharma, Mr. Ayush Chandra Dubey https://creativecommons.org/licenses/by-nc-sa/4.0
EXAMINING THE ANTECEDENTS OF CONSUMER BEHAVIOUR IN E-COMMERCE
E-commerce is the practice of buying and selling goods or services through the internet, and it can take place among various parties. This paper examines the role of e-commerce in the current world and how it affects consumer behaviour and changes in purchasing patterns. Paper depicts the change in buying habits of the consumer and how the e-commerce has been dominantly replacing the traditional market. As e-commerce has developed, it has brought about a number of benefits for consumers, but it has also brought about a number of risks, this paper outlines these risks and discusses potential strategies for reducing them. A structured questionnaire was designed to understand how the consumer behavior is to understand how customer behavior is affected by elements like trust, security, consumer satisfaction, and risks of e-commerce. Primary data was collected from 295 people varying from different age groups, annual income, profession, gender and geographical area and convenience sampling technique was used to collect the data under the span of 45 days. The data indicate that there is a positive impact of e-commerce on consumer behaviour. E-commerce websites which offer more customer satisfaction, trust, and protection against e-commerce threats were able to draw in more customers. It was discovered that this industry has not yet been able to win over elderly customers, while those under 25 are the age group that purchases online the most. People choose to purchase more goods from the websites which has less history of fraud and are less vulnerable to the risks and threats associated with e-commerce. To attract customers, e-commerce employs marketing techniques including coupons, gifts, cashbacks, discounts, a broad selection of items, and home delivery. But any error from e-commerce end will replace satisfied customer switch back to traditional market. Also, the competitors are ready for overtaking one another. Consequently, trust and customer satisfaction are major asset for E-commerce to retain customer.
Copyright (c) 2026 Mr. Yogesh Rawat, Ms. Sapna Kumari, Ms. Priya Gera https://creativecommons.org/licenses/by-nc-sa/4.0
CYBERCRIME AWARENESS AND ITS IMPLICATIONS FOR DIGITAL TRANSACTIONS: A STUDY AMONG SCHOOL EDUCATORS IN AHMEDABAD CITY
In 2025, India's digital transformation has significantly heightened its vulnerability to cyber threats, affecting individuals, organizations, and governmental institutions alike. This study focuses on assessing the awareness of cybercrime among school educators in Ahmedabad City, an essential demographic for enhancing cybersecurity education. Through a quantitative research design and structured questionnaire, data was collected from 120 educators using stratified random sampling. Key findings reveal a high level of awareness among educators regarding cybercrimes like phishing, financial crime and malware, yet significant gaps exist in preparedness and response strategies. Financial cybercrime emerges prominently among the surveyed respondents. Gender was found to influence satisfaction with available cybersecurity solutions, while the type of cybercrime experienced varied across demographic groups. Educators predominantly seek self-education and IT support post-incident, underscoring the need for improved resources and training. The study underscores the importance of tailored cybersecurity strategies and comprehensive educational initiatives to mitigate cyber risks effectively.
Copyright (c) 2025 Dr. Bhavesh H. Bharad, Dr. Komal B. Sharma https://creativecommons.org/licenses/by-nc-sa/4.0
MEDIATING AND MODERATING MECHANISMS OF IMPULSIVE BUYING IN DIGITAL RETAIL: THE ROLE OF REAL TIME PURCHASING, PRICE PERCEPTION, SERVICE PERFORMANCE AND JUDGEMENTAL MOTIVES
Through the era of live-stream and digital retailing, impulse purchasing has become a fundamental behavioral trend which not only affect sales performance but consumer loyalty at large. This research inspects the roles played by Price Perception (PP), Service Performance (SP), and Judgmental Motivators (JM) in influencing Live Streaming Stimuli (LS) and, afterward, how Live Streaming Stimuli (LS) acts as a mediator for their combined impact on Impulsive Buying (IB). In this research, the moderating effects of Gender, Age, Income, and Shopping Frequency on the LS–IB relationship also investigated. By implementing Partial Least Squares Structural Equation Modelling (PLS-SEM) to a consumers’ sample of 457 respondents in urban areas, the working model captures 72.8% variance in Live Streaming Stimuli (LS) and 35.3% variance in Impulsive Buying (IB). The overall findings present Live Streaming Stimuli (LS) as a key psychological mechanism converting price and service experiences into spontaneous behaviors among male and higher-income consumers. The research findings encompass impulse buying theory by incorporating experiential, affective, and demographic views into one coherent framework, providing practical implications for digital retail marketing strategies.
Copyright (c) 2025 Mr. Ravikesh Kushwaha, Dr. Lal Bahadur Prasad, Dr. Bharti Shukla https://creativecommons.org/licenses/by-nc-sa/4.0
CSR EXPENDITURE FOR RURAL DEVELOPMENT IN GUJARAT: TRENDS, SECTORAL ALLOCATION AND DISTRICT-LEVEL DISPARITIES
The Indian Companies Act, 2013, mandates that eligible firms spend ≥2% of profits on CSR. It covers areas like rural development. Although overall CSR spending has grown substantially, studies note that funds are disproportionately focused in industrial states and sectors. This study examines five years of CSR data for Gujarat from 2019–20 to 2023–24. It focuses on the rural development sector. Using official CSR portal data, temporal trends, sectoral shares, and district-level allocations are analysed. Descriptive statistics show that CSR spending in Gujarat has expanded sharply, but rural development projects receive a relatively small share of funds. Lorenz curves and Gini coefficients are applied to quantify inequality across Gujarat’s districts, which find very high disparity (Gini >0.5) in rural development funding. Key findings indicate that top districts (e.g. Ahmedabad) receive the bulk of CSR, while several rural districts remain severely underfunded. The results highlight persistent geographic imbalances in CSR allocation, which reinforce concerns that CSR’s redistributive potential is diluted when funds bypass needy areas.
Copyright (c) 2025 Dr. Pragnesh B. Dalwadi, Dr. Deepa C. Chandwani https://creativecommons.org/licenses/by-nc-sa/4.0
ANALYZING THE INFLUENCE OF EMOTIONAL MARKETING TO FIRST-TIME FILIPINO HOME BUYERS IN THE AFFORDABLE SEGMENT
This research investigates the influence of emotional marketing on first-time Filipino homebuyers in the affordable housing segment of Metro Manila. Based on the Theory of Planned Behavior (Ajzen, 1991) and Maslow’s Hierarchy of Needs (1943), it examines the influence of emotional marketing strategies (EMS) on consumers' motivation, social conformity, perceived value, and ultimately, their purchase intentions. A structured survey was conducted with 385 respondents, and the data was analyzed using descriptive statistics, correlation, regression, and mediation analysis. The results demonstrated that emotional marketing significantly influences purchase intentions, with motivation and social conformity serving as primary mediators between emotional marketing tactics and purchasing decisions. Perceived value, although positively correlated, exhibited no significant mediating effect. The results show that emotional stories about safety, belonging, pride, and family are very effective in real estate marketing. Developers are encouraged to incorporate emotional engagement, community storytelling, and buyer relatability into their campaigns to strengthen purchase intention among the affordable market segments.
Copyright (c) 2025 Jannine Evy S. Rudas, Teddy E. Ballovar, Cresilda M. Bragas https://creativecommons.org/licenses/by-nc-sa/4.0
THE ROLE OF ESG PRINCIPLES IN SHAPING INSTITUTIONAL DEVELOPMENT IN INDIAN HIGHER EDUCATION
Environmental, Social, and Governance (ESG) principles have emerged as critical frameworks for sustainable institutional development across various sectors, including higher education. This paper explores the role of Environmental, Social, and Governance (ESG) principles in shaping institutional development in Indian higher education institutions (HEIs). It compares international best practices with Indian experiences to analyse their implementations, challenges, and opportunities for embedding ESG in the higher education sector. The study adopts a qualitative approach, drawing on secondary data from academic literature, institutional reports, and policy documents. This study reveals that while ESG integration in Indian higher education is gaining momentum, significant gaps exist in systematic implementation, reporting mechanisms, and stakeholder awareness. The paper provides insights into current practices, identifies key challenges, and proposes recommendations for enhanced ESG integration to foster sustainable institutional development in Indian higher education.
Copyright (c) 2025 Ms. Ektaben Ashokkumar Mistri, Prof. (Dr.) Gurudutta P. Japee https://creativecommons.org/licenses/by-nc-sa/4.0
THE DETERMINANTS INFLUENCING KENYA'S TEA EXPORTS AND THEIR IMPLICATIONS ON BALANCE OF TRADE: EVIDENCE FROM THE GRAVITY MODEL ANALYSIS
Kenya's tea industry faces significant threats from three main structural problems; market concentration, exchange rate instability as well as climate-related performance issues. An augmented gravity model was used in evaluating factors that influence Kenya's tea export and its effect on trade balance performance. Panel data across 20 main destination markets between 2000 and 2023 was used. Findings reveal that, over 72% of exports are concentrated in five markets (Pakistan, Egypt, UK, UAE, Sudan), exposing the sector to geopolitical instability and demand fluctuations. Despite theoretical expectations that currency depreciation enhances export competitiveness, results indicate that rising input costs and delayed price adjustments have counteracted these benefits. The proposed recommendations include three strategic elements that begin with engaging the Africa Continental Free Trade Area (AfCFTA) to access West and North Africa markets and continue with aiming for 30% organic or Fair Trade export certifications by 2030 and then establishing innovation centers to enhance value-based product development. The Tea Export Stabilization Fund financial tools with their implementation strategies aim to stabilize currency fluctuations by partnering with regional neighbors for operational trade growth. The proposed measures will boost export competitiveness to create better agricultural sustainability outcomes by reducing trade imbalances in Kenya.
Copyright (c) 2025 Ms. Kiprop Jebiwot Nancy, Dr. Savitakumari Omprakash Nagar https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF TRANSFORMATIONAL LEADERSHIP ON JOB SATISFACTION AND INNOVATIVE WORK BEHAVIOUR: A LITERATURE REVIEW
This analysis examines the relationship between transformational leadership and two important organizational outcomes: job satisfaction among employees and innovative work behavior. Although prior research has consistently demonstrated the beneficial effects of transformational leadership in motivating employees, enhancing job satisfaction, and fostering creativity, the literature remains fragmented and often descriptive rather than integrative. To address this gap, a systematic search and narrative synthesis of 105 studies across major databases was conducted. Though results differ depending on national context, industry, and organizational culture, the analysis shows that transformational leadership is often correlated to more innovative behaviors and increased job satisfaction. Notably, several studies highlight mediating mechanisms (e.g., psychological empowerment) and moderating conditions (e.g., autonomy, learning climate) that influence these relationships. This review contributes by critically consolidating the evidence, identifying inconsistencies, and highlighting research gaps. The findings underscore the importance of conducting cross-cultural and longitudinal research and provide leaders with practical guidance for promoting organizational innovation and enhancing employee well-being.
Copyright (c) 2025 Mr. Deepak, Dr Hanisha Bhagat https://creativecommons.org/licenses/by-nc-sa/4.0
STUDY OF ARTIFICIAL INTELLIGENCE AND ITS INFLUENCE ON CRM TECHNOLOGY IN MORTGAGE FINANCE COMPANIES
This study investigates the impact of AI integration and its Influence on CRM Technology in Mortgage Finance Companies on three critical aspects: AI-based Mortgages customization, enhanced Mortgages customer database, and AI integration in the CRM Mortgages operations. The first research question was to establish whether there is a substantial enhancement of these aspects of CRM systems with the integration of AI. In the present study, the research used a sample of 100 respondents and adopted a quantitative research method with a random sampling technique to collect data. The use of descriptive statistics and Pearson correlation analysis was employed in the analysis of the relationship between the independent variable and the dependent factors. The analysis showed that there were low and insignificant association between the levels of AI integration and the three dependent variables. More particularly, the results revealed that the degree of AI integration was significantly but weakly and negatively related with the extent of AI personalisation (r = -0. 181), AI customer data management (r = -0. 104) and AI automation (r = -0. 134). The results of this study indicate that, counter to assumptions, AI integration did not significantly improve personalization, data handling, or the automation of CRM systems. Therefore, the study concludes that the expected positive effects of AI on the CRM functionalities were not observed in this sample, suggesting deficiencies in existing AI applications or their incorporation into CRM systems. The results point to the need for more research that can help to establish the efficiency of AI tools, how these tools can be fine-tuned and how they can be aligned to the objectives of CRM. If these factors are managed, they might assist with the realization of the potential of AI in redefining CRM systems. Thus, the findings of this research stress the need for further development of the AI tools and the elimination of the practical issues that hinder the enhancement of CRM performance.
Copyright (c) 2025 Mr. Viresh Shah, Dr. Hitesh Ruparel https://creativecommons.org/licenses/by-nc-sa/4.0
THE ROLE OF ESG IN ADVANCING UNIVERSITY RANKINGS AND INSTITUTIONAL REPUTATION: A CONCEPTUAL ANALYSIS
The objective of this study is to examine how Environmental, Social, and Governance integration can enhance the reputation and ranking performance of higher education institutions , with a focus on the Indian context. The research adopts a conceptual analysis methodology, drawing on secondary data from global and national ESG reporting frameworks such as the Global Initiative, UN Sustainable Development Goals , Sustainability Tracking, Assessment & Rating System , ISO 26000, and Business Responsibility and Sustainability Reporting in India. The study also evaluates their alignment with university ranking systems, including the Times Higher Education THE Impact Rankings, QS Sustainability Rankings, UI Green Metric, and the National Institutional Ranking Framework. Findings indicate that adopting recognized ESG frameworks improves transparency, accountability, and sustainability performance, leading to stronger stakeholder trust, enhanced institutional credibility, and improved ranking outcomes. The paper concludes that ESG should be viewed as a strategic imperative rather than a compliance measure. Recommendations include embedding ESG into governance and operations, adopting relevant frameworks, and leveraging ESG performance to achieve long-term competitiveness and societal impact.
Copyright (c) 2025 Ms. Ektaben Ashokkumar Mistri, Dr. Gurudutta P. Japee https://creativecommons.org/licenses/by-nc-sa/4.0
USER-GENERATED CONTENT ON PERCEIVED CUSTOMER REPURCHASE INTENTION TOWARDS AIRLINE CONTROVERSIES
The research shows the influence of airline passengers' service quality evaluations and brand reputation formation on their repurchase intentions, which will lead to overall customer loyalty, an important impact, particularly in a competitive and increasingly public-oriented industry. There is a truthfulness when it comes to the travelling market, and the essence of customer loyalty will rely heavily on passenger trust and satisfaction. To examine passengers' perceptions of service, brand reputation, and repurchase, an airline passenger survey was conducted exploring the airline's perceptions. After careful examination, the results demonstrated that overall service was rated the highest (M = 3.3329), and a majority of passengers indicated that they strongly agreed and that they felt the airline provided trustworthy most of and reliable service. The ratings for branding reputation (M = 3.118) and repurchase intentions (M = 3.031) were rated well, albeit lower than service quality. Overall, the findings indicate that service has become the airline's strength, yet there is an opportunity to improve the airline's reputation and create bookings from return customers. This study recommends that the airline continue its successful service delivery, increase and sustain brand emphasis on transparency and communications strategies, and improve and create more customer-highlighted strategies with loyalty programs, targeted promotions, and overall improved ease of digital booking, that will turn customer satisfaction into loyalty, by ensuring the airline's continuous competitiveness in the fast-phased travel market.
Copyright (c) 2025 Ms. Ricalyn B. Pradia, Cresilda M. Bragas https://creativecommons.org/licenses/by-nc-sa/4.0
FROM BLACK GOLD TO GREEN ENERGY: GARCH-BASED FORECASTING OF INDIAN CRUDE OIL PRICE VOLATILITY IN THE ERA OF ENERGY TRANSITION
This study investigates the volatility of crude oil prices in India from 2000 to 2025, a period marked by significant market uncertainty and the nation’s transition toward renewable energy sources. Given India’s substantial dependence on imported crude oil, accurate forecasting of price volatility is essential for effective risk management and policy formulation. Monthly crude oil price data are analyzed using a range of Generalized Autoregressive Conditional Heteroskedasticity (GARCH) family models, including both symmetric and asymmetric specifications, and integrated with Autoregressive Integrated Moving Average (ARIMA) frameworks. Statistically significant lag structures are identified, and model selection is guided by information criteria to ensure the best fit. The ARIMA (2,1,6) - GARCH (1,1,1) model is found to be optimal, demonstrating strong statistical adequacy and effectively capturing volatility clustering. In-sample forecasts confirm the model’s accuracy in tracking actual price movements during periods of heightened uncertainty. The findings highlight the persistence of crude oil price volatility in India and provide valuable insights for policymakers and market participants as the country navigates the ongoing shift from fossil fuels to renewable energy.
Copyright (c) 2025 Ms. Anjaliben B. Makwana https://creativecommons.org/licenses/by-nc-sa/4.0
PEOPLE'S PERCEPTIONS ON ICT USAGE IN ACCOUNTING PRACTICES AT BENGALURU CITY
This study set out to explore the perception of Information and Communication Technology (ICT) and its role in enhancing the efficiency and speed of accounting practices within India. Specifically, it investigates how the integration of ICT contributes to effective resource management in various accounting tasks. The implementation of computerized accounting systems empowers companies to swiftly and seamlessly generate individualized reports that are crucial for informed management decision-making. The advantages offered by these advanced systems encompass a wide array of functionalities, including enhanced operational capabilities, increased accuracy in data handling, expedited processing times, and improved external reporting standards. To gather insights for this study, a survey method was employed, utilizing simple random sampling to ensure a representative sample. Data collection was facilitated through a structured questionnaire that measured responses on a five-point Likert scale. To evaluate the reliability of the collected data, Cronbach's Alpha statistical technique was applied. For the analysis, one-way ANOVA was utilized to draw meaningful conclusions from the data obtained. The results revealed a noteworthy trend: the perception of ICT is positively correlated with the efficiency of accounting practices. This relationship indicates that the use of technology not only helps in minimizing errors but also plays a significant role in preventing malpractices in the accounting field across India. Through this research, the critical impact of ICT in streamlining accounting processes and improving overall management capabilities has been underscored.
Copyright (c) 2025 Mr. Dinesh S, Dr. R Saminathan https://creativecommons.org/licenses/by-nc-sa/4.0
A BIBLIOMETRIC ANALYSIS ON THE ROLE OF ARTIFICIAL INTELLIGENCE-ENABLED RECRUITMENT TOWARDS SUSTAINABILITY: TRENDS AND FUTURE DIRECTIONS
Purpose: By increasing productivity, decreasing bias, and promoting long-term workforce development, artificial intelligence (AI) in sustainable recruitment is revolutionizing talent acquisition. For HR experts, job seekers, employees, and AI developers, this study offers a thorough bibliometric review of AI-driven hiring processes. Through examination of research trends, methodologies, and applications of AI in sustainable recruitment, this study highlights key advancements, challenges, and future research directions. Design/ Methodology/ Approach: A comprehensive literature review using PRISMA was carried out, looking at 105 publications from the Scopus database that were published between 2015 and 2025. Multiple analytical software tools were utilized to conduct bibliometric and network analysis. Findings: According to the study's findings, the topic's considerable increase in researchers has led to a notable boom in research in recent years. The topic of “AI and Sustainable Recruitment” has seen expanding publications, now reaching a total of 49. Technological Forecasting and Social Change stands out as the leading contributing journal, having published four articles on the subject. India and the USA emerge as the most productive countries in this domain, challenging the traditional distinction between developed and developing nations. Additionally, the study identifies Malik A as the most prolific author, with three published papers and a total of 63 citations. Furthermore, the thematic analysis conducted in this study has helped outline epochal arenas for emerging research, offering priceless insights into forthcoming trends and directions within the field. Originality: This study offers a multi-dimensional analysis of AI-based sustainable recruitment literature. By employing advanced visualization techniques, this research provides a greater understanding on the topic. The perceptivity from this work bridges the gap between academic research and technology, fostering innovation, efficiency, and strategic decision-making in talent acquisition.
Copyright (c) 2025 Ms. Amita Yadav, Dr. Ashutosh Nigam https://creativecommons.org/licenses/by-nc-sa/4.0
ANALYZING HERDING BEHAVIOR: A STUDY OF INVESTOR TRENDS IN INDIAN STOCK MARKETS
Herding behavior, observed when individuals imitate one another, whether in synchronized actions or adherence to peer standards, reflects the influence of social dynamics. This empirical study, employing a convenient sampling method, measured herding among 489 Indian stock market investors. It sought to identify and understand factors influencing herding behavior within this demographic. The study's outcomes hold significance for both market practitioners and investors equipped with analytical tools. By discerning the underlying causes of investor herding through data collected from 489 individuals, the research makes a valuable contribution to the field of behavioral finance. This understanding of how investors perceive and engage in herding behavior serves as a strategic tool for mitigating potential risks within stock markets. The findings underscore that among Indian investors, herding is shaped by various factors, including Emotion, Risk Aversion, Fear of Missing Out (FOMO), and reliance on Heuristics. Notably, risk aversion and the application of heuristics are positively correlated with herding tendencies. This insight into the intricate interplay of psychological and behavioral factors enhances comprehension and aids in developing strategies to navigate potential market risks.
Copyright (c) 2025 Dr. Mohammadali Gulamhaidar Hajur, Dr. Shabbirali Sherali Thavara https://creativecommons.org/licenses/by-nc-sa/4.0
IMPACT OF GOVERNMENT SCHEMES AND TRAINING PROGRAMS ON THE GROWTH OF MUSHROOM CULTIVATION IN NAGALAND
Mushroom cultivation has emerged as a viable pathway for sustainable income generation, nutritional security, and rural employment in Nagaland. This study assesses the role of government schemes and training programs in promoting mushroom farming across the state, drawing exclusively from secondary data sources such as government reports, statistical publications, policy documents, and previous research studies. It examines the contributions of initiatives including the Mission for Integrated Development of Horticulture (MIDH), PM Formalization of Micro Food Processing Enterprises (PM-FME), and Agricultural Technology Management Agency (ATMA) in enhancing skill development, infrastructure provision, and market linkages for mushroom growers. Analysis of existing literature and official records indicates that these interventions have facilitated the expansion of mushroom cultivation, particularly among women and youth. Nonetheless, persistent challenges related to awareness, consistent input supply, and post-harvest infrastructure continue to limit large-scale adoption. The study offers policy recommendations to improve outreach, strengthen institutional support, and increase the effectiveness of government interventions for scaling up mushroom cultivation in Nagaland.
Copyright (c) 2025 Dr. J. Suresh Kumar, Dr. D. Shobana https://creativecommons.org/licenses/by-nc-sa/4.0
EVALUATING THE ROLE OF SAURASHTRA GRAMIN BANK IN FINANCIAL INCLUSION: ANALYSIS OF KEY PERFORMANCE INDICATORS
This paper attempts to analyse the financial performance of Saurashtra Gramin Bank (SGB). The financial performance of SGB was measured with the help of Key Performance Indicators (KPIs). The main objective of this paper is to study the difference in performance of SGB before and after Corona pandemic. For this purpose, the data of 4 years before Corona, and 4 years after Corona was taken. The study period also includes the year 2019-20 i.e. the year in which Corona arrived in India. The data was collected from the annual reports of SGB. Trend analysis and charts were used as statistical tools for analysing the KPIs. Ratios like CDR, ROA, and CAR were used, variables related to routine bank activities like deposits mobilised, advances, loan disbursement, investments, and borrowings were considered. Also, indicators like net profit, EPS, recovery amount as well as recovery percentage, and NPA were taken into consideration to analyse the overall financial performace. It was found from the study that SGB improved its financial performance during the critical time of Corona pandemic. The recovery rate was increased, borrowings were decreased, etc. were positive signs for SGB. Variables like CAR, EPS, ROA etc. showed a rapid increase after the period of Corona which can be considered a good sign for SGB. A higher rate of recovery resulted in higher profits, ROA and EPS.
Copyright (c) 2025 Mr. Jayesh Somaiya, Prof. (Dr.) Hemal Pandya https://creativecommons.org/licenses/by-nc-sa/4.0
BUILDING TRUST AND CUSTOMER ENGAGEMENT IN CHIT FUND SYSTEMS: STRATEGIES FOR SUSTAINABLE GROWTH
Trust and customer engagement are pivotal to the success of chit fund systems, which rely heavily on community participation, mutual confidence, and the perceived credibility of fund operators. This study explores the key determinants influencing trust-building and customer loyalty within chit funds, with a focus on operational transparency, regulatory compliance, digitalisation, and effective communication strategies. Based on data drawn from four hundred participants, significant behavioural trends were identified—highlighting the role of financial literacy, scheme customisation, and technological integration in improving participant satisfaction. The findings reveal that factors such as the management of chit instalments, information availability, dispute resolution mechanisms, and fund monitoring are critical to sustaining engagement and trust. While most demographic factors like age and locality showed limited variation in perceptions, awareness was significantly higher among urban participants, pointing to a gap in rural outreach and education. The study offers constructive and classified recommendations for key stakeholders. For chit fund operators, implementing blockchain-backed systems, mobile platforms with real-time updates, and certified audits can significantly enhance transparency. Customised schemes and digital customer engagement tools like autopay and live chat support further build rapport. For customers, financial literacy initiatives are essential to understand risks, plan bids effectively, and make informed decisions. Regulatory bodies are encouraged to set uniform digital reporting standards and encourage third-party certification for credibility. The research underscores that in a financial ecosystem built on collective trust, proactive relationship management and technological innovation are not only beneficial but essential for the sustainable growth of chit fund operations.
Copyright (c) 2025 Dr. Biju S K, Dr. Lekshmi P https://creativecommons.org/licenses/by-nc-sa/4.0
WHO STEPS UP? A STUDY ON DEMOGRAPHIC PREDICTORS OF VOLUNTEER INTENT AMONG FUTURE NURSES
Healthcare volunteers have a vital role to play in public health emergencies such as pandemics and natural disasters, with nursing students comprising an important portion of the potential workforce. This study investigates how age, marital status, residence area, financial status, and education program affect nursing students' readiness to volunteer in emergency circumstances in the state of Himachal Pradesh, India. A cross-sectional analysis of 400 final-year nursing students was employed using a stratified sampling method. To determine relationships and effect sizes, data were studied using chi-square tests and Cramer's V. The findings indicate that age, monthly family income, and residence were significantly connected with students' willingness to volunteer during emergencies, whereas marital status, living area, and education course had no significant relationship. These outcomes have practical relevance for designing volunteer mobilization plans based on demographic data. The present study adds to the existing research on Indian nursing students and proposes the inclusion of demographic variables.
Copyright (c) 2025 Dr. Pradeepti Prashar, Mr. Tarun Kumar https://creativecommons.org/licenses/by-nc-sa/4.0
A STUDY ON THE EVALUATION OF GOVERNMENT SCHEMES FOR SHGS IN NAGALAND: EFFECTIVENESS AND CHALLENGES
Self-Help Groups (SHGs) have emerged as a vital tool for socio-economic empowerment, particularly in rural areas. In Nagaland, government schemes aimed at strengthening SHGs play a crucial role in promoting financial inclusion, entrepreneurship, and community development. This study evaluates the effectiveness of various government schemes supporting SHGs in Nagaland, assessing their impact on economic sustainability, capacity building, and poverty alleviation. Additionally, it identifies key challenges such as inadequate funding, bureaucratic delays, lack of financial literacy, and limited market access that hinder the optimal functioning of SHGs. The findings highlight the need for policy enhancements, better implementation strategies, and increased community participation to improve the overall efficiency of SHG programs. Addressing these challenges will help maximize the potential of SHGs in fostering inclusive growth and sustainable development in Nagaland.
Policy Implementation and Rural Development
LEVERAGING ARTIFICIAL INTELLIGENCE TO DRIVE GREEN BANKING PRACTICES: OPPORTUNITIES, CHALLENGES, & FUTURE TRENDS
The integration of Artificial Intelligence (AI) into green banking offers promising opportunities for promoting sustainability within the financial sector. This paper explores how emerging AI technologies, including machine learning, data analytics, and automation, can enhance eco-friendly banking practices. By leveraging AI, financial institutions can optimize resource allocation, assess environmental risks, and offer innovative green financial products. The paper highlights the potential benefits of AI in green banking, such as better decision-making, improved credit scoring, and more sustainable investments. It also discusses the challenges and risks associated with AI adoption, including data privacy concerns, high implementation costs, and algorithm biases. The study further examines the future trends of AI in green banking and provides recommendations for financial institutions to foster a sustainable, AI-driven financial ecosystem.
Copyright (c) 2025 Ms. S. Logalakshmi , Dr. V. Murugan https://creativecommons.org/licenses/by-nc-sa/4.0
THE ROLE OF ETHICAL LEADERSHIP IN ENHANCING CORPORATE SOCIAL RESPONSIBILITY (CSR) AND ORGANIZATIONAL SUSTAINABILITY IN CHENNAI’S PUBLICLY LISTED COMPANIES
Ethical leadership is a central factor in the development and success of Corporate Social Responsibility (CSR) initiatives and organizational sustainability. Ethical leadership fosters a culture of integrity, fairness, and accountability within organizations, driving CSR practices that benefit businesses, society, and the environment. This research focuses on understanding how ethical leadership impacts CSR strategies in Chennai’s publicly listed companies, examining key aspects such as leadership values, transparency, community engagement, and environmental responsibility. The findings reveal that ethical leadership significantly enhances CSR performance, which in turn positively impacts organizational sustainability and business reputation. The study provides valuable insights into how organizations can integrate ethical leadership to strengthen CSR efforts and improve long-term sustainability.
Copyright (c) 2025 Dr. Sujatha V https://creativecommons.org/licenses/by-nc-sa/4.0
EMPOWERING BANKING THROUGH AI: ANALYZING CUSTOMER PERSPECTIVES AND ADOPTION DRIVERS IN INDIA
Background: The future of an economy is largely dependent on the functioning of its banking sector. Artificial Intelligence (AI) has turned up as a dynamic force exerting a significant influence over the banking industry functions. This research looks at the role of AI in banking from a customer perspective. Methods: Primary sources of data collection were used and data was gathered from 250 respondents using a well-structured questionnaire. Analysis was conducted deploying various statistical techniques like descriptive statistics and inferential statistics including correlation analysis, regression analysis and ANOVA. The study proposes a framework to measure the intention to adopt AI in Indian banking system and the factors influencing the adoption decisions. Results: The findings show that intention to adopt AI in banking is influenced by awareness, attitude towards AI, subjective norms, perceived risk, perceived usefulness, and knowledge of AI technology. It yields a positive perception and intention towards AI adoption with perceived usefulness and perceived risk having strong correlation with adoption intention. Recommendations are given to accelerate AI in banking by investing in AI integration, customer trust building and tailored marketing strategies. Concludingly, embracing AI can drive banking innovation, deliver better services, build deeper customer relationships and be competitive in the market.
Copyright (c) 2025 Ms. Jayshree Roongta, Mr. Jaivardhan Roongta https://creativecommons.org/licenses/by-nc-sa/4.0
CYBERCRIME IN THE DIGITAL ERA: IMPACTS, AWARENESS, AND STRATEGIC SOLUTIONS FOR A SECURE FUTURE
Cybercrime has emerged as a critical challenge in the digital age impacting individuals, organizations and governments across the globe. With the rapid expansion of digital technologies and the internet, cybercriminals exploit system vulnerabilities causing significant financial, psychological and reputational damage. This paper explores the multifaceted impacts of cybercrime on society ranging from personal data breaches and identity theft to large-scale corporate and governmental attacks that jeopardize economic stability and national security. It further delves into the awareness levels among individuals and organizations, highlighting the gaps that make them susceptible to cyber threats. The study underscores the pressing need for a comprehensive legal framework tailored to the evolving nature of cybercrime ensuring swift and effective justice delivery. Technological advancements in cybersecurity such as artificial intelligence and machine learning are emphasized as crucial tools to pre-empt and mitigate these threats. Additionally, the paper advocates for widespread educational initiatives to improve digital literacy focusing on preventive measures and safe online practices. The research aims to contribute to a safer digital environment by addressing these dimensions and fostering resilience and trust in the ever-connected global community.
Copyright (c) 2025 Ms. Purvi Pandey, Dr. Ashwarya Kapoor https://creativecommons.org/licenses/by-nc-sa/4.0
EXPLORING RELATIONSHIP BETWEEN NIFTY, DJIA, AND SSE INDICES WITH CO-INTEGRATION AND GRANGER CAUSALITY
The global financial share market indices play a crucial role in the interconnected and dynamic landscape of international finance and considered as barometers of overall market health. The investors rely on these markets to gauge market sentiment, make informed investment decisions, and diversify portfolios. This study uses to explore the relationship between Nifty, DJIA, and SSE through econometric analysis. The data has been collected for a period of sixteen years for comprehensive investigation. The Yahoo Finance database served as the source of the collected data. The study uses EViews Software for application the Johansen Co-integration test, to evaluate if a long-term equilibrium connection exists between the indexes. To further examine the direction and intensity of the causal association between Nifty, DJIA, and SSE, the Granger Causality test is used. The results indicate that past values of Nifty contain valuable information for predicting future values of DJIA and SSE.
Copyright (c) 2025 Dr. Pankaj Sharma, Mr. Saurabh Jain https://creativecommons.org/licenses/by-nc-sa/4.0
CHALLENGES AND OPPORTUNITIES FOR SUSTAINABLE INDUSTRIAL DEVELOPMENT IN INDIA'S FINANCIAL SECTOR
Sustainable industrial development in India faces significant challenges and opportunities within the financial sector. This study explores the interplay between financial markets and sustainable practices in industries, emphasizing the need for financial instruments that support environmental sustainability. Key challenges include limited access to green finance, inadequate regulatory frameworks, and a lack of awareness among businesses regarding sustainability practices. Moreover, the current financial institutions frequently emphasize immediate profits rather than long-term sustainability objectives. However, opportunities for enhancing sustainable industrial development exist through the promotion of green bonds, impact investing, and public-private partnerships. By analyzing case studies and relevant literature, this research highlights successful initiatives that have leveraged financial markets to foster sustainability in industrial practices. The findings suggest that aligning financial incentives with sustainable development goals can significantly contribute to the growth of green industries in India. This study provides valuable insights for policymakers and financial institutions aiming to promote a more sustainable industrial landscape.
Industrial Sustainability and Industrial Growth
INVESTIGATING THE ROLE OF COMPUTERIZED ACCOUNTING SYSTEM IN THE DEVELOPMENT OF SME`s IN SIERRA LEONE
The success or failure of modern commercial institutions is largely determined by accounting. An accounting system that uses computer technology to collect and handle financial data in businesses is referred to as computerized accounting, also known as electronic or system-based accounting. This study explores SMEs` computerized accounting practices in Sierra Leone. The study also examines effective financial record keeping identifying the role of computerized accounting. The research design is based on a survey methodology that uses a simple random sample design of SMEs selected throughout the country. For the purpose of this research, data were collected using self-structured questionnaire consisting of both open ended and closed questions from that SMEs use accounting software to generate financial information. The main value of this study is the discussion of the computerized accounting practices of SMEs in Sierra Leone. The research has provided valuable input and knowledge on how SME entrepreneurs in Sierra Leone view and use financial information across all districts It is suggested that the government should broaden its efforts to promote SME entrepreneurs by creating a side-by-side approach to beneficiary prospects.
Copyright (c) 2025 Mr. Richard Sama Charley, Prof. (Dr.) Chetana Marvadi https://creativecommons.org/licenses/by-nc-sa/4.0
LEADERSHIP AND MOTIVATION THEORY THROUGH THE LENS OF INDIAN KNOWLEDGE SYSTEM: A REVIEW PAPER BASED ON BIBLIOMETRIC AND THEMATIC ANALYSIS
The Indian Knowledge System (IKS) was revitalized in New Education Policy (NEP), 2020, with the aim “to completely decolonize the Indian mind by generating interest and healthy critical reverence for the unbroken knowledge traditions of Bharata for the welfare of the world.” In line with the motto, the objective of this research is to play the role of a linking-pin between the Indian Knowledge System (IKS) and the theories of personality, leadership, and motivation in modern management practices. For this, a study of Vedic theory of 12 zodiac signs for determination of personality is incorporated. Moreover, the leadership and motivation lessons from the Ramayana, Bhagvad Geeta, which is a part of the Mahabharat, are critically analyzed to relate their implication to the modern management practices in India. It is recommended that the adoption of Vedic Management lessons taught in IKS can escalate the company’s effectiveness and efficiency.
Copyright (c) 2025 Dr. Komal Raval, Dr. Dharna Bhatt, Dr. Rupam Soni https://creativecommons.org/licenses/by-nc-sa/4.0
BLOCKCHAIN TECHNOLOGY IN ACCOUNTING: A STUDY ON THE PERCEPTION OF CAs IN AHMEDABAD
Blockchain technology holds significant promises for transforming the accounting profession by addressing key challenges such as fraud, transparency, and efficiency. One of the most profound impacts of blockchain in accounting is its ability to create an immutable and transparent ledger of financial transactions. This study explores the perceptions of Chartered Accountants (CAs) in Ahmedabad towards the adoption of blockchain technology in accounting. The research objectives include analyzing the perceptions of CAs regarding blockchain and investigating the association between their demographic profiles—such as age, years of experience, and occupation—and their views on blockchain adoption. A total of 150 CAs from Ahmedabad were interviewed to gather insights on these aspects. The findings indicate that CAs generally perceive blockchain as a transformative tool that can significantly improve transparency and reduce fraud in accounting. Additionally, the study identifies a clear association between the demographic factors of CAs and their perceptions of blockchain technology, suggesting that age, experience, and professional role influence their openness to adopting this emerging technology.
Copyright (c) 2024 Dr. Mahendra N. Prajapati https://creativecommons.org/licenses/by-nc-sa/4.0
EXPLORING THE CONNECTION BETWEEN EMOTIONAL INTELLIGENCE AND RESILIENCE: QUALITATIVE FINDINGS AND PERSPECTIVES
Emotions play a significant role in shaping human existence, driving our actions and responses. Recently, there has been increased focus on emotional intelligence, which encompasses the ability to recognize, comprehend, and manage both our own emotions and those of others. Human life often presents challenges and stressors, and resilience, the capacity to effectively cope with such adversity, is crucial for navigating through them. By developing resilience, individuals can better handle difficult situations and bounce back swiftly. This study aims to gather insights from previous research worldwide, using the Scopus database, regarding the relationship between emotional intelligence and resilience. It offers a comprehensive analysis across various domains, highlighting how emotionally intelligent individuals tend to be more adaptable, open to new experiences, and adept at making sound decisions in challenging situations. Ultimately, exploring this relationship will help in future investigation in this field.
Copyright (c) 2024 Ms. Jasleen Kaur, Dr. Anushree Chauhan https://creativecommons.org/licenses/by-nc-sa/4.0
AN ANALYSIS OF AWARENESS LEVELS TOWARDS GOVERNMENT SCHEMES FOR WOMEN ENTREPRENEURS IN THOOTHUKUDI DISTRICT
Entrepreneurs play a crucial role in economic growth, acting as the engine that drives innovation, job creation and overall prosperity. A rising percentage of women are following their goals to become entrepreneurs and be successful in their business endeavours as the Indian start-up industry grows. Women's entrepreneurship is essential to society's advancement and growth in the economy. Significant business and economic growth in the nation has resulted from the growing number of women pursuing business ownership. The Government worldwide implements various schemes to support and empower women in starting and scaling businesses. The Indian government carries out a number of programs to help achieve this goal. For women entrepreneurs many government and non-government organizations they are providing training, economic development, merchandising and loan disbursement. According to the last NSS survey in India we have 60.84 million Micro Small and Medium Enterprises (MSME’s) out of them only 20.37% MSMEs were owned by women. This paper focused to make a clear study on the awareness level amongst women entrepreneurs under numerous government schemes which are readily available to encourage and empower the women community in their entrepreneurial activities. With the assistance taken from both quantitative surveys and qualitative interviews, the research compiled with various advanced statistical tools and techniques to gather the data from the wide range of women respondents in Thoothukudi regional area. The findings will contribute valuable insights into the current state of awareness among women entrepreneurs in Thoothukudi regarding government schemes.
Copyright (c) 2025 Dr. M. Selladurai https://creativecommons.org/licenses/by-nc-sa/4.0
A STUDY ON SUSTAINABILITY IN THE FINTECH BANKING INDUSTRY AND THE EVOLUTION OF SUSTAINABLE RATINGS IN FINTECH
The assessment and promotion of responsible and ethical practices within the dynamic fintech banking sector are crucial, and sustainable ratings play a pivotal role in achieving these objectives. As the fintech industry disrupts traditional banking, it becomes imperative to evaluate its environmental, social, and governance (ESG) performance to effectively manage risks and maximize positive impacts. This abstract delves into the significance, challenges, and recommendations surrounding sustainable ratings in fintech banking. Although fintech and digital banking offer great potential, they also pose ESG risks. Innovations in areas like digital payments, decentralized finance, big data analytics, robo-advisory, and lending platforms reshape the financial landscape and contribute to financial inclusion, consumer empowerment, and efficiency. However, the long-term sustainability implications of these advancements remain uncertain. To address this, tailored ESG rating mechanisms are needed to assess fintech banking based on material sustainability issues. These ratings evaluate performance across key metrics such as climate action, ethical AI, data stewardship, financial inclusion, and governance. Stakeholders can leverage these ratings to identify sustainability leaders and align investments with the United Nations Sustainable Development Goals. Mainstreaming fintech sustainability ratings requires collaboration among multiple stakeholders, encompassing the establishment of reporting standards, disclosure frameworks, assurance mechanisms, and capacity-building initiatives. Challenges in this pursuit include the absence of sector-specific measurement standards, the reluctance of fintech firms to allocate resources to sustainability efforts, limited internal expertise, and concerns surrounding confidentiality and security. Overcoming these challenges necessitates the introduction of mandatory sustainability disclosure policies by regulators, the development of industry-specific reporting standards by industry associations and standard setters, and the integration of sustainability due diligence into the decision-making processes of investors. Furthermore, capacity-building programs are essential to educate fintech leaders on material ESG risks and integrate sustainability considerations into their strategic planning. Ultimately, sustainable ratings in fintech banking serve as a framework for evaluating and incentivizing responsible practices, empowering stakeholders to direct investments towards sustainable fintech innovation and fostering an inclusive and sustainable financial ecosystem.
Copyright (c) 2025 Mr. Aakash Sharma, Prof. B. D. Mishra https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF E-COMMERCE ON OPERATIONAL COST EFFICIENCY IN MODERN BUSINESSES
This study explores the impact of e-commerce on operational cost efficiency in modern businesses. E-commerce platforms enhance cost savings through advanced inventory management, streamlined supply chain processes, and reduced overhead. Key findings include improved inventory control with real-time tracking, lower transportation costs via direct-to-consumer models, and significant savings on physical retail space expenses. Additionally, digital marketing strategies offer cost-effective advertising solutions. Challenges include the need for investment in IT infrastructure and cybersecurity. Strategic investments and continuous innovation are crucial for maximizing e-commerce benefits.
Copyright (c) 2024 Dr. Komal Bansidhar Sharma https://creativecommons.org/licenses/by-nc-sa/4.0
CUSTOMER PERCEPTION ON THE IMPACT OF 5G TECHNOLOGY BASED SMARTPHONES
There was a time when smartphone was a new piece of technology and now it is a necessity for everyone. The device is seen in every person’s hand, from fruit vendor to a company’s CEO. This smartphone helps in almost every daily activity. The Smartphone is useless without connectivity. The quality of connection is directly related to one’s efficiency and productivity. With many generations in line, eventually 5G was introduced. It aims at increasing speed, better connection and lower latency, to name a few features. The purpose of this research is to identify the impact of 5G technology-based smartphones and how customers perceive it. In this study, 237 responses were gathered from the students of St. Xavier's College (Autonomous), Ahmedabad City. It takes into consideration respondents from multiple disciplines like Commerce, Arts, Science, BDA and BCA levels of study. An attempt is made to determine what consumers are experiencing and, expecting from the future devices. Various smartphone brands are taken into consideration to derive conclusion regarding preferences and purchasing power. It can serve as a guide to any smartphone manufacturer or network operator on which areas they can improve.
Copyright (c) 2024 Mr. Aayush A. Gandhi, Dr. Shivani Shah https://creativecommons.org/licenses/by-nc-sa/4.0
ANALYZING THE RESPONSES OF DEFENSE SECTOR STOCKS TO INTERIM UNION BUDGET ANNOUNCEMENT 2024: AN EVENT STUDY
The interim union budget, the government's primary economic policy document, outlines the intended use of public funds to achieve policy objectives. Industries look forward to it as it can lead to significant changes, and stock markets also react to budget releases to some extent. The paper examines how the NSE's Defense Stocks are affected by the Interim Union Budget. The data was accumulated between 2023 and 2024 from the authorized NSE website. The impact is measured in terms of daily average returns in the pre-and post-budget periods of the top five contributors to the Nifty India Defense index. The statistical tools used include regression analysis and a one-sample t-test. The study found that the impact on defense sector stocks was attributed to factors other than budget announcements. This paper suggests that investors should not consider budget announcements as significant events and should focus on other market factors as well for trading and investing.
Copyright (c) 2024 Mr. Tanmay Goyal https://creativecommons.org/licenses/by-nc-sa/4.0
GREEN MARKETING: A STUDY OF CONSUMERS’ PURCHASING BEHAVIOR OF SELECTED ECO-FRIENDLY PRODUCTS
The phrase "green products" is widely used to describe products and services that try to protect or enhance the environment during manufacture, use, or disposal through resource conservation and decreased use of hazardous chemicals, pollution, and waste. The Present study is on the subject of green consumer purchase behavior. This study explores the awareness and knowledge of Green Products. After consumers realized how their purchasing decisions, directly and indirectly, impacted the environment and their health, they began making more green purchases. Most studies that analyze it don't clearly define any particular product categories, such as organic food, green clothing, green electronics, green cleaning trends, ethical personal accessories, reusable containers, eco-friendly home goods, green cosmetics or organic personal care, green furniture, etc. Contrary to general green products, different product categories have different factors that influence consumer choice. Therefore, the paper aims to perform a complete holistic review of the fragmented and divergent studies on specific product categories. The purpose of consumer behavior research on green issues is to identify the rules that govern green consumption and make specific suggestions for promoting green consumption. Each sustainability value should come from home.
Copyright (c) 2024 Ms. Vrutika Pravinbhai Desai, Dr. Krupa Bhatt https://creativecommons.org/licenses/by-nc-sa/4.0
METAVERSE AND INDUSTRY 5.0: RECONFIGURING THE DIMENSIONS AND COMPONENTS OF FUTURE BUSINESS INTELLIGENCE AND PRACTICES
Antecedent paradigm has witnessed many unexpected instances and modifications in the mechanism of business operations in the last few years. During the time of COVID-19 industries and workplaces underwent through several unprecedented hardships that were beyond imagination and the pandemic destroyed the conventional production and servicing models of industries. Although Industry 4.0 technologies have been strengthening the adaptability capacities of businesses and economies as well, yet the transition towards Industry 5.0 has started producing manifold positive results on multi-dimensional basis. Metaverse is the concept that has its evolving roots in Industry 5.0 application. The noble characteristics, human centric, sustainable and resilient, of Industry 5.0 are shaping and designing the metaverse, which is a digital world with the ultimate serving abilities for the humanity more than ever. ‘Man-machine’ collaboration is the crux of these novel developments. This research paper explains the concept of metaverse, explores its main components and examines its implications for future business paradigm in a comprehensive manner. This paper also attempts to highlight various metaverse technologies and innovations, based on the review and extensive content analysis of previous investigations. Discussion of the key application domains of metaverse is also there. In addition, present paper addresses the corresponding elementary arguments regarding metaverse and Industry 5.0 that could be the foundational motivation for future research and discussion. The study talks about the challenges and probable issues as well in order to better understand the scenario.
Copyright (c) 2024 Dr. Sugandha Verma https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF PSYCHOLOGICAL, ECONOMIC, SOCIAL ASPECTS, AND INTEREST RATE VARIATIONS ON WORKING MILLENNIALS' SAVING PATTERNS THROUGH DIGITAL BANKING
The objective of this research is to determine the significance of various factors including, psychological aspects, economic aspects, social aspects, and interest rate variations, that influence the saving patterns of working millennials through digital banking. The research was conducted using survey questionnaires from a stratified random sample of 51 working millennials who have bank accounts in Metro Manila, Philippines. Results showed that psychological aspects (Bet a= 0.430, p-value = 0.006 < 0.05) and interest rate variations (Beta = 0.878, p-value = 0.000 < 0.05) were statistically has significant and had a positive effect on the saving patterns of working millennials through digital banking. However, social aspects (Beta = -0.182, p-value = 0.016 < 0.05) had a negative effect. To where the values of many factors that has been discover, this will be served as the foundation in creating the regression model to be represented as of the y= (0.430)P +(−0.130)E +(−0.182)S +(0.878) +(−0.01), which will assist the bank managers in optimizing their personalized offers for the saving patterns of working millennials.
Copyright (c) 2024 Mr. Christopher M. Ataza, Ms. Mary Ann B. Porcel, Ms. Ladylyn F. Resabal, Mr. Andy Evans G. Sandoval, Assoc. Prof. Cresilda M. Bragas https://creativecommons.org/licenses/by-nc-sa/4.0
ENHANCING LIVELIHOODS AND EMPOWERING TRIBAL WOMEN: ANALYZING THE ROLE OF SELF-HELP GROUPS IN SONBHADRA
Women's empowerment is crucial for the overall development of society. Through financial inclusion and skill development training, self-help groups (SHGs) play a crucial role in empowering women, particularly those in rural and underprivileged areas. The study aims to evaluate SHGs’ mechanism in enhancing the livelihoods of tribal women in Sonbhadra and to assess its impact on their socio-economic empowerment and perceptions of SHGs. On the sample of 103, the study employed percentage analysis, one-sample t-test, paired t-test, and regression analysis to evaluate the stated objectives. The study's findings reveal that SHGs’ mechanisms are moderately effective in economically empowering the tribal women of Sonbhadra. After joining SHGs, there has been a substantial improvement in the beneficiaries' income, savings, employment, and expenditure patterns. SHG mechanisms are strong predictors of socio-economic empowerment, and empowered women have a favorable perception of SHGs. The study's results indicate that providing ongoing assistance and expanding SHG efforts may effectively strengthen the socio-economic empowerment of tribal women.
Copyright (c) 2024 Ms. Aditi Sarawagi, Dr. Moirangthem Sanjoy Singh https://creativecommons.org/licenses/by-nc-sa/4.0
DO COGNITIVE BIASES INFLUENCE INVESTMENT DECISIONS BASED ON TECHNICAL FACTORS?
Objective: The purpose of this research is to examine the influence of investors' Cognitive biases on the technical analysis component of investment decisions made by retail investors in Guwahati, Assam, India. Design/Methodology/Approach: Technical analysis of investment decisions is the dependent variable, whereas cognitive biases are the independent factors evaluated. To determine the bearing of these biases on the choice to invest, multinomial logistic regression is used. Findings: 1. Confirmation and Hindsight bias and Herding bias impacts investment decision based on Price Action analysis. 2. Herding bias impacts investment decision based on Relative Strength Index analysis.
Copyright (c) 2024 Dr. Dhruva Jyoti Sharma https://creativecommons.org/licenses/by-nc-sa/4.0
DIGITAL REVOLUTION IN FINANCE: A COMPREHENSIVE ANALYSIS OF CENTRAL BANK DIGITAL CURRENCY IMPLEMENTATION
In recent years, central bank digital currency (CBDC) has garnered significant attention, raising the prospect of widespread adoption in payment transactions. Global public authorities and central banks are closely monitoring these developments, analyzing their potential impacts on the economy, financial systems, and central banking. This study delves into the overview of CBDC and discusses the opportunities and challenges associated with its implementation. It sheds light on strategies for facilitating the issuance of CBDC, aiming to offer valuable insights for researchers, policymakers, and practitioners seeking a deeper understanding of CBDC.
Copyright (c) 2024 Ms. Ashwarya Kapoor, Dr. Rajiv Sindwani, Dr. Manisha Goel https://creativecommons.org/licenses/by-nc-sa/4.0
REVIEWING THE SIX-YEARS JOURNEY OF GOODS AND SERVICES TAX IMPLEMENTATION IN INDIA
Background: The Introduction of the Goods and Services Tax (GST) in India is a significant tax reform aimed at realizing the vision of "One Nation, One Tax" by integrating 17 indirect Taxes. The implementation of GST with an aim to unify tax structures across the nation has encountered challenges and complexities during its acceptance phase. Methods: The study is exploratory in nature. The study uses Secondary data to shows the Journey of GST from the day it is implemented till Jan 2024 which covers the period of 6-years, focusing on compliance, transparency, and facilitation of Businesses. Result: Through a comprehensive analysis, the study aims to provide insights into the evolution and outcomes of GST, shedding light on its role in shaping India's tax landscape and contributing to the broader goals of economic development and streamlined taxation.
Copyright (c) 2024 Durga Ghanchi, Prof. (Dr.) Chetana Marvadi https://creativecommons.org/licenses/by-nc-sa/4.0
A STUDY OF DIGITAL MARKETING TOOLS THAT ACCELERATE GROWTH IN NEW DIGITAL ERA
In the contemporary digital era, the marketing landscape has been transformed by digital tools that accelerate business growth. This study explores the impact of various digital marketing technologies on organizational growth, focusing on analytics software, email marketing tools, Search Engine Optimization, content management systems, and social media management platforms. The study integrates qualitative and quantitative research to provide a comprehensive understanding of their effectiveness. A survey involving 110 respondents was circulated to gather primary data, which was forwarded by secondary data from relevant literature. The results are interpreted using statistical techniques such as correlation analyses, ANOVA, chi-square, percentage analysis, and ranking. specifies restrictions on the gathering and processing of data, guaranteeing the accuracy and consistency of the findings. The results highlight how important digital marketing tools are to improving organizational growth and offer practitioners practical advice.
Copyright (c) 2024 Ms. Logalakshmi S, Ms. Poornima S https://creativecommons.org/licenses/by-nc-sa/4.0
A STUDY ON AWARENESS LEVEL OF INVESTMENT THROUGH SYSTEMATIC PLANS IN MUTUAL FUNDS AMONGST PEOPLE RESIDING IN NORTH AHMEDABAD
Systematic Investment Plan (SIP) is an attractive investment avenue offered by mutual funds in India. In the course of time, SIPs have witnessed significant growth in India, with a considerable increase in the number of SIP accounts and the total amount invested through SIPs both. Investors recognized SIPs in achieving the long- term financial goal and wealth creation tool. The present study aims to investigate the awareness level of investment major financial objectives and factors influencing through systematic plans in mutual funds among people residing in North Ahmedabad. The study employs a quantitative research design, utilizing a structured questionnaire survey to collect data from a sample of residents in North Ahmedabad. The survey comprises of varied factors, including demographic insight, awareness of mutual funds, investment with systematic investment plans (SIPs), objectives of investment in SIP and the factors influencing investment decisions. The results depicted that investors have heterogenous preferences and diverse levels of importance for each factor and investors perceive investment decisions for future prosperity and stability of their families. The research outcomes can benefit investors, financial institutions, and policymakers by boosting their familiarity of the investment preferences and awareness levels of individuals residing in North Ahmedabad. This information can assist in the development of targeted educational initiatives i.e. investor awareness campaigns (IAP), and the design of financial offerings designed to the specific demands and inclinations of the potential investors.
Copyright (c) 2023 Ms. Komal Bansidhar Sharma, Dr. Prashant Joshi https://creativecommons.org/licenses/by-nc-sa/4.0
A STUDY OF THE FASTEST GROWING ECOSYSTEM OF INDIA: EVIDENCE FROM SELECTED ECONOMIC INDICATORS
Growth and upliftment of an economy like India lies in the hands of young generation. Our young generation dreams and aspire to reach new heights and be a part in the growth story of our country. For this the talent and ideas need to be recognised and a backup support is required. Government of India has taken a number of initiatives to help this young blood and ultimately which contributes towards the economic development of our country. Its goal is to engage academics, investors, industries, non-governmental organisations, and large and small business owner. Many research studies have been done to signify the role of government in the upliftment of the start-ups in India. Adding to it, in this paper an insight on the reforms taken by various regulatory bodies of India in their specific field has been discussed and also an analysis on impact of increase in the no. of recognised start-ups on the GDP and Financial Markets performance has been done. In this study we also concluded that there is positive relationship between number of Start-ups and GDP, BSE index and with Exports.
Copyright (c) 2024 Ms. Manali Agrawal, Mr. Libeesh P C https://creativecommons.org/licenses/by-nc-sa/4.0
FINANCIAL EDUCATION AND DIGITALISATION: ANALYSIS OF AVENUES
Policy initiatives of the Government of India like Digital India have led to augmented integration of digitalisation in the economy. The complexity of the financial landscape has increased multiple-fold with the development of financial technology and digital financial services (DFS). In response to increased digitalisation and the emergence of Fintech, the term "Digital Financial Literacy" has gained resonance. This new emerging financial landscape, with digital financial products, services and channels, presents a unique set of characteristics, advantages, risks, and challenges. Therefore, financial consumers need the knowledge and skills to tackle these new emerging risks and concerns. Through an in-depth literature review, the key issues relating to financial literacy and the digital economy have been deliberated on in the present paper. The growing importance of financial education in the digital economy has been discussed in the background of this confluence. Further, a SWOC analysis has been carried out to bring out the strengths, weaknesses, opportunities and challenges of financial education and digitalisation.
Copyright (c) 2024 Dr. Isha Goel https://creativecommons.org/licenses/by-nc-sa/4.0