Pub Date : 1900-01-01DOI: 10.5958/0976-478x.2021.00017.3
V. Kaveri
{"title":"Inclusion of Retail and Wholesale Trade in Priority Sector Lending by UCBs: Emerging Business Opportunities","authors":"V. Kaveri","doi":"10.5958/0976-478x.2021.00017.3","DOIUrl":"https://doi.org/10.5958/0976-478x.2021.00017.3","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114219881","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478X.2016.00020.3
E. J. Helge, Pradip Padhye
The problem of non-performing asset is one of the major concerns for banks in India. NPAs reflect the performance of banks. The problem of NPAs is not only affecting the banks but also the whole economy. Various steps have been taken by government to reduce the NPAs. It is highly impossible to have zero percentage NPAs. The Public Sector Banks have shown very good performance over the private sector banks as far as the financial operations are concerned. The only problem of the Public Sector Banks these days are the increasing level of the non-performing assets. The non-performing assets of the Public Sector Banks have been increasing regularly year by year. On the contrary, the non-performing assets of private sector banks have been decreasing regularly year by year except some years. Generally, reduction in NPAs shows that banks have strengthened their credit appraisal processes over the years and increased in NPAs shows the necessity of provisions, which bring down the overall profitability of banks. The magnitude of NPA is comparatively higher in public sectors banks than private sector banks. To improve the efficiency and profitability of the banks, the NPAs have to be scheduled.
{"title":"Non-Performing Assets of Public Sector and Private Sector Banks in India: An Empirical Analysis","authors":"E. J. Helge, Pradip Padhye","doi":"10.5958/0976-478X.2016.00020.3","DOIUrl":"https://doi.org/10.5958/0976-478X.2016.00020.3","url":null,"abstract":"The problem of non-performing asset is one of the major concerns for banks in India. NPAs reflect the performance of banks. The problem of NPAs is not only affecting the banks but also the whole economy. Various steps have been taken by government to reduce the NPAs. It is highly impossible to have zero percentage NPAs. The Public Sector Banks have shown very good performance over the private sector banks as far as the financial operations are concerned. The only problem of the Public Sector Banks these days are the increasing level of the non-performing assets. The non-performing assets of the Public Sector Banks have been increasing regularly year by year. On the contrary, the non-performing assets of private sector banks have been decreasing regularly year by year except some years. Generally, reduction in NPAs shows that banks have strengthened their credit appraisal processes over the years and increased in NPAs shows the necessity of provisions, which bring down the overall profitability of banks. The magnitude of NPA is comparatively higher in public sectors banks than private sector banks. To improve the efficiency and profitability of the banks, the NPAs have to be scheduled.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"125 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114624030","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/J.0976-478X.5.1.007
K. R. Cinni
Information Technology is an upcoming industry in Kerala. Its contribution towards our economy is very significant. This sector is creating many employment opportunities and thus helps in providing a solution towards the problem of unemployment in Kerala. However, employee attrition is a nightmare of the industry. Attrition rates are alarmingly high which leads to increase in cost. Only solution to overcome this problem is to create and maintain satisfied work force. This study tries to find out the causes and consequences of job satisfaction and dissatisfaction. An attempt is also made to find out whether there is any relationship between the level of jobs satisfaction and the demographic variables.
{"title":"Job Satisfaction in Information Technology Industry: A Study in Kerala","authors":"K. R. Cinni","doi":"10.5958/J.0976-478X.5.1.007","DOIUrl":"https://doi.org/10.5958/J.0976-478X.5.1.007","url":null,"abstract":"Information Technology is an upcoming industry in Kerala. Its contribution towards our economy is very significant. This sector is creating many employment opportunities and thus helps in providing a solution towards the problem of unemployment in Kerala. However, employee attrition is a nightmare of the industry. Attrition rates are alarmingly high which leads to increase in cost. Only solution to overcome this problem is to create and maintain satisfied work force. This study tries to find out the causes and consequences of job satisfaction and dissatisfaction. An attempt is also made to find out whether there is any relationship between the level of jobs satisfaction and the demographic variables.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126185374","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478x.2021.00014.8
Carmen R. Apaza
{"title":"Impact of Covid-19 on Traditional –Mining Exports from Peru","authors":"Carmen R. Apaza","doi":"10.5958/0976-478x.2021.00014.8","DOIUrl":"https://doi.org/10.5958/0976-478x.2021.00014.8","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"10 9","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121003654","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478X.2019.00003.X
M. S. Ali, V. Kaveri
Micro, Small and Medium Enterprises (MSMEs) are known for job creation in the country. But at the grass root level, they continue to experience inadequate credit supply which is a critical input for growth in production and sales. Consequently, the level of non-performing assets in MSME sector is high and increasing. One of the ways to assist financially ailing Small and Medium Enterprises (SMEs) is Debt Restructuring to make a project financially viable in the near future. Reserve bank of India introduced Debt Restructuring scheme for SMEs in 2005. Since this scheme is in existence for more than a decade. it calls for a review to suggest improvement it. While RBI has been making changes in debt restructuring guideless from time to time and banks have also been strengthening institutional arrangements, much needs to be done to improve the quality of assessment of credit sanctions as part of debt restructuring exercise. Appreciating this felt need, the article suggests certain new approaches.
{"title":"Debt Restructuring of SMEs-Suggested Approaches for Assessment of Credit Needs","authors":"M. S. Ali, V. Kaveri","doi":"10.5958/0976-478X.2019.00003.X","DOIUrl":"https://doi.org/10.5958/0976-478X.2019.00003.X","url":null,"abstract":"Micro, Small and Medium Enterprises (MSMEs) are known for job creation in the country. But at the grass root level, they continue to experience inadequate credit supply which is a critical input for growth in production and sales. Consequently, the level of non-performing assets in MSME sector is high and increasing. One of the ways to assist financially ailing Small and Medium Enterprises (SMEs) is Debt Restructuring to make a project financially viable in the near future. Reserve bank of India introduced Debt Restructuring scheme for SMEs in 2005. Since this scheme is in existence for more than a decade. it calls for a review to suggest improvement it. While RBI has been making changes in debt restructuring guideless from time to time and banks have also been strengthening institutional arrangements, much needs to be done to improve the quality of assessment of credit sanctions as part of debt restructuring exercise. Appreciating this felt need, the article suggests certain new approaches.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125917188","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478X.2015.00021.X
Aparna Raman
Knowledge and learning improve performance and development of economy. The academic literature in organization learning and knowledge management has progressed over the last decade and has demonstrated increasing diversity and specialization. To understand the role of knowledge management and organization learning in knowledge management, research was conducted in Indian IT industry. The findings with respect to the knowledge management strategies, the organization learning and the effect of technological innovation was obtained. The findings show that the ever changing technologies is compelling companies to put more effort on improvising on tools. Further, employees do believe that knowledge management leads to technological innovation, but that is not the sole factor.
{"title":"The role of Knowledge Management & Organizational Learning in Indian IT organizations","authors":"Aparna Raman","doi":"10.5958/0976-478X.2015.00021.X","DOIUrl":"https://doi.org/10.5958/0976-478X.2015.00021.X","url":null,"abstract":"Knowledge and learning improve performance and development of economy. The academic literature in organization learning and knowledge management has progressed over the last decade and has demonstrated increasing diversity and specialization. To understand the role of knowledge management and organization learning in knowledge management, research was conducted in Indian IT industry. The findings with respect to the knowledge management strategies, the organization learning and the effect of technological innovation was obtained. The findings show that the ever changing technologies is compelling companies to put more effort on improvising on tools. Further, employees do believe that knowledge management leads to technological innovation, but that is not the sole factor.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127487601","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478x.2019.00023.5
N. Sukanya
{"title":"Economic Growth, Saving Habits and Trends in Domestic Saving in India in Recent Years-An Analysis","authors":"N. Sukanya","doi":"10.5958/0976-478x.2019.00023.5","DOIUrl":"https://doi.org/10.5958/0976-478x.2019.00023.5","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"121 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124511387","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478X.2015.00014.2
V. Kaveri
During the recent past, banks in India are found to be eager to sell NPAs to Asset Reconstruction Companies (ARCs). Sale of NPAs to ARCs is expected to pick up in the coming years. But there are several issues associated with their overall working. These relate to capital augmentation, liquidity management to honor redemption of Security Receipts (SRs) timely, improving loan recovery with the existing legal framework, cost control etc. To resolve these issues, though RBI and Government of India have taken several initiatives, much needs to be done to make ARCs stronger. In this backdrop, the article attempts to make an overview of the working of ARCs, identifies issues and offer suggestions
{"title":"Sale of Non Performing Assets (NPAs) to Asset Reconstruction Companies in India: An Overview","authors":"V. Kaveri","doi":"10.5958/0976-478X.2015.00014.2","DOIUrl":"https://doi.org/10.5958/0976-478X.2015.00014.2","url":null,"abstract":"During the recent past, banks in India are found to be eager to sell NPAs to Asset Reconstruction Companies (ARCs). Sale of NPAs to ARCs is expected to pick up in the coming years. But there are several issues associated with their overall working. These relate to capital augmentation, liquidity management to honor redemption of Security Receipts (SRs) timely, improving loan recovery with the existing legal framework, cost control etc. To resolve these issues, though RBI and Government of India have taken several initiatives, much needs to be done to make ARCs stronger. In this backdrop, the article attempts to make an overview of the working of ARCs, identifies issues and offer suggestions","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123443014","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478x.2022.00005.2
Janardhan K. Pawar, S. Kulkarni
{"title":"A Study of Effects on B.Sc. (Computer Science) Students After The Announcement of Maharashtra Unlock","authors":"Janardhan K. Pawar, S. Kulkarni","doi":"10.5958/0976-478x.2022.00005.2","DOIUrl":"https://doi.org/10.5958/0976-478x.2022.00005.2","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121897666","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.5958/0976-478x.2020.00017.8
V. Kaveri
{"title":"Concurrent audit and prevention of Bank frauds","authors":"V. Kaveri","doi":"10.5958/0976-478x.2020.00017.8","DOIUrl":"https://doi.org/10.5958/0976-478x.2020.00017.8","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122668458","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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