Pub Date : 1900-01-01DOI: 10.5958/0976-478X.2016.00019.7
D. Kundu
The paper discusses the importance of microfinance for reducing poverty and for the growth and development of the nation. It highlights the importance of group based professionally assisted microfinance delivery channels like Self Help Groups and Joint Liability Groups, their collective and collaborative strengths in reaching the un served & underserved masses and the challenges they face in terms of raising capital, reducing transaction costs and capacity building. It also focuses on opportunities and threats to the microfinance sector and further goes on to emphasise that leveraging technology, entering into strategic partnership with third parties having common interests, capacity building and designing products as per changing needs of customer would address the challenges effectively. The role of Government and Regulatory Bodies would be crucial so that innovative practices and experiments are encouraged while keeping vigil on new developments.
{"title":"Microfinance Delivery Institutions in India-Governance and Management Challenges","authors":"D. Kundu","doi":"10.5958/0976-478X.2016.00019.7","DOIUrl":"https://doi.org/10.5958/0976-478X.2016.00019.7","url":null,"abstract":"The paper discusses the importance of microfinance for reducing poverty and for the growth and development of the nation. It highlights the importance of group based professionally assisted microfinance delivery channels like Self Help Groups and Joint Liability Groups, their collective and collaborative strengths in reaching the un served & underserved masses and the challenges they face in terms of raising capital, reducing transaction costs and capacity building. It also focuses on opportunities and threats to the microfinance sector and further goes on to emphasise that leveraging technology, entering into strategic partnership with third parties having common interests, capacity building and designing products as per changing needs of customer would address the challenges effectively. The role of Government and Regulatory Bodies would be crucial so that innovative practices and experiments are encouraged while keeping vigil on new developments.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"79 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":"134495130","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.2022.00004.0
Nilesh T. Waghmare
{"title":"Buying Behavior of the Consumer towards E-commerce amidst Covid-19","authors":"Nilesh T. Waghmare","doi":"10.5958/0976-478x.2022.00004.0","DOIUrl":"https://doi.org/10.5958/0976-478x.2022.00004.0","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"363 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":"131879769","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.2017.00045.3
J. Premalatha, P. Suresh, K. Kumar, S. Venkatram
Due to the technological advancement in monetary sector, the payments in banking industry have undergone a remarkable transformation. The innovative products for creating payments have been developed subsequent to the privatization and globalization. Customers have showed their preference over the usage of the plastic money typically over a period of time within the banking process. Plastic money is a substitute to the cash or benchmark money. Plastic money refers to the credit cards or the debit cards that we tend to use to form purchases. Other different kinds of plastic cards provided by banks in India are ATM cards, Smart cards. This study presents a summary of the event of banking within the plastic cards usage trends since these are introduced in Indian banking sector. The study conjointly highlights the role of those cards as electronic payment tool to be employed by customers and discusses the penetration of those cards in replacement of cash and paper money. The study is carried out by taking a survey of 100 respondents by Convenient Sampling Technique from the city of Vellore by using a structured questionnaire and interview technique. The factors that influence for adoption of plastic money in substitution of cash has been identified which reflects the preference of customers towards plastic cards over paper money. Some future plans developed by different banks and institutions for avoiding the frauds arisen owing to the credit and debit cards also are mentioned in way that it depicts the image of its future growth and prospects in India.
{"title":"A Study on Future Prospects of Plastic Money in Indian Banking System","authors":"J. Premalatha, P. Suresh, K. Kumar, S. Venkatram","doi":"10.5958/0976-478X.2017.00045.3","DOIUrl":"https://doi.org/10.5958/0976-478X.2017.00045.3","url":null,"abstract":"Due to the technological advancement in monetary sector, the payments in banking industry have undergone a remarkable transformation. The innovative products for creating payments have been developed subsequent to the privatization and globalization. Customers have showed their preference over the usage of the plastic money typically over a period of time within the banking process. Plastic money is a substitute to the cash or benchmark money. Plastic money refers to the credit cards or the debit cards that we tend to use to form purchases. Other different kinds of plastic cards provided by banks in India are ATM cards, Smart cards. This study presents a summary of the event of banking within the plastic cards usage trends since these are introduced in Indian banking sector. The study conjointly highlights the role of those cards as electronic payment tool to be employed by customers and discusses the penetration of those cards in replacement of cash and paper money. The study is carried out by taking a survey of 100 respondents by Convenient Sampling Technique from the city of Vellore by using a structured questionnaire and interview technique. The factors that influence for adoption of plastic money in substitution of cash has been identified which reflects the preference of customers towards plastic cards over paper money. Some future plans developed by different banks and institutions for avoiding the frauds arisen owing to the credit and debit cards also are mentioned in way that it depicts the image of its future growth and prospects in India.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"10 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":"115770036","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.2015.00009.9
R. Banu, K. Duraipandian, I. Tajuddin
The WLB (Work Life Balance) initiatives identified under four heads of WLB initiatives being offered by the IT companies in Chennai to its employees were studied in terms of its presence or absence, the importance attached to by the respondents to the initiatives and gap between the actual and the expected values. Survey data was collected from 387 IT employees of premier IT industries in Chennai by non-random sampling. The WLB initiatives studied under four different heads were ranked based on the ‘presence’ and the quantum of ‘importance’ attached to each of the constituents by the respondents.
{"title":"Work Life Balance Initiatives of Information Technology Employees in Chennai","authors":"R. Banu, K. Duraipandian, I. Tajuddin","doi":"10.5958/0976-478x.2015.00009.9","DOIUrl":"https://doi.org/10.5958/0976-478x.2015.00009.9","url":null,"abstract":"The WLB (Work Life Balance) initiatives identified under four heads of WLB initiatives being offered by the IT companies in Chennai to its employees were studied in terms of its presence or absence, the importance attached to by the respondents to the initiatives and gap between the actual and the expected values. Survey data was collected from 387 IT employees of premier IT industries in Chennai by non-random sampling. The WLB initiatives studied under four different heads were ranked based on the ‘presence’ and the quantum of ‘importance’ attached to each of the constituents by the respondents.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"46 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":"124386289","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.2014.00002.0
A. K. Pradhan, S. A. Kelkar
The paper has made an empirical investigation into some of the macroeconomic determinants of Foreign Direct Investment (FDI) inflows into India. Time series data over the period 1991 to 2012 has been used for the purpose and Gross Domestic Product (GDP), Consumer Price Index (CPI), Trade Openness (TO), Exchange Rate (ER), Foreign Exchange Reserve (FOREX) and Gross Domestic Capital Formation (GCF) are considered as the determinant variables of Foreign Direct Investment (FDI) inflows into the country. Multivariate linear regression has been used as an analytical model for studying the relationships between the explained and the explanatory variables. The Ordinary Least Squares (OLS) results suggest that Foreign Exchange Reserves (FOREX), Inflation (CPI) and Gross Capital Formation (GCF) are the significant explanatory variables of FDI inflows in to India over the years. Further, it is revealed that FOREX and CPI contribute positively to FDI inflows and the relative importance of the former is higher than the later. The variable GCF was found to have a negative bearing on FDI inflows into the country. Though the variables Gross Domestic Product, Trade Openness and Exchange Rates have positive impacts on FDI inflow, they did not appear to be significant in the regression model.
{"title":"Macroeconomic Determinants of Foreign Direct Investment in India: An Empirical Investigation (1991–2012)","authors":"A. K. Pradhan, S. A. Kelkar","doi":"10.5958/0976-478X.2014.00002.0","DOIUrl":"https://doi.org/10.5958/0976-478X.2014.00002.0","url":null,"abstract":"The paper has made an empirical investigation into some of the macroeconomic determinants of Foreign Direct Investment (FDI) inflows into India. Time series data over the period 1991 to 2012 has been used for the purpose and Gross Domestic Product (GDP), Consumer Price Index (CPI), Trade Openness (TO), Exchange Rate (ER), Foreign Exchange Reserve (FOREX) and Gross Domestic Capital Formation (GCF) are considered as the determinant variables of Foreign Direct Investment (FDI) inflows into the country. Multivariate linear regression has been used as an analytical model for studying the relationships between the explained and the explanatory variables. The Ordinary Least Squares (OLS) results suggest that Foreign Exchange Reserves (FOREX), Inflation (CPI) and Gross Capital Formation (GCF) are the significant explanatory variables of FDI inflows in to India over the years. Further, it is revealed that FOREX and CPI contribute positively to FDI inflows and the relative importance of the former is higher than the later. The variable GCF was found to have a negative bearing on FDI inflows into the country. Though the variables Gross Domestic Product, Trade Openness and Exchange Rates have positive impacts on FDI inflow, they did not appear to be significant in the regression model.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"19 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":"114874124","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.2017.00043.X
V. Kaveri
Gross Non- Performing Assets (NPAs) of just 37 listed banks were as high as Rs. 7.1 lakh crores as at March end, 2017 as against Rs. 5.7 lakh crores in the last year (1). About 50 top stressed corporate accounts have been identified by Reserve Bank of India (RBI) as being under the watch list of the Government. The total loan amount due from these top stressed assets is around Rs. 4.5 lakh crore which is almost 85 percent of the total bad loans of public sector banks (PSBs). Hence, both RBI and Government have taken several measures since 2002, starting with setting up of Asset Reconstruction Companies (ARCs) for purchase of bad loans, making amendments in Corporate Debt Restructuring(CDR) mechanism after accepting recommendations of the Mahapatra Working Group, installing a framework for monitoring of Special Mention Accounts (SMAs), coming out with Flexible Restructuring of Long Term Project (5/25) scheme, introducing Special Debt Restructuring (SDR) scheme, initiating Scheme for Sustainable Structuring of Stressed Assets (s4a), enacting Insolvency Bankruptcy Code (IBC) etc. Despite these and many other measures, the level of NPAs is now unprecedented. Appreciating this growing concern of banks, the Government has now come out with an Ordinance on NPA Policy Resolution which seems to be an effective tool by granting more powers to RBI and also building up confidence in the minds of bankers in taking decisions on huge write off/write downs as part of resolution of mega problematic projects. Although this is considered to be a one time exercise to resolve mega top stressed loan assets, the Ordinance is expected to create a conducive environment for further lending to other corporate and infrastructure projects. In view of the new era to begin with the introduction of Ordinance, it is necessary for bankers at this stage to develop a fair understanding of the new Ordinance by going through its historical background, initiatives taken by RBI and Government during the recent past, features and likely impact of the ordinance. Towards this end, the present article makes an overview and offers suggestions for effective implementation of the Ordinance. To begin with, let us study the need for introduction of Ordinance.
{"title":"Ordinance on New NPA Resolution Policy - an Overview","authors":"V. Kaveri","doi":"10.5958/0976-478X.2017.00043.X","DOIUrl":"https://doi.org/10.5958/0976-478X.2017.00043.X","url":null,"abstract":"Gross Non- Performing Assets (NPAs) of just 37 listed banks were as high as Rs. 7.1 lakh crores as at March end, 2017 as against Rs. 5.7 lakh crores in the last year (1). About 50 top stressed corporate accounts have been identified by Reserve Bank of India (RBI) as being under the watch list of the Government. The total loan amount due from these top stressed assets is around Rs. 4.5 lakh crore which is almost 85 percent of the total bad loans of public sector banks (PSBs). Hence, both RBI and Government have taken several measures since 2002, starting with setting up of Asset Reconstruction Companies (ARCs) for purchase of bad loans, making amendments in Corporate Debt Restructuring(CDR) mechanism after accepting recommendations of the Mahapatra Working Group, installing a framework for monitoring of Special Mention Accounts (SMAs), coming out with Flexible Restructuring of Long Term Project (5/25) scheme, introducing Special Debt Restructuring (SDR) scheme, initiating Scheme for Sustainable Structuring of Stressed Assets (s4a), enacting Insolvency Bankruptcy Code (IBC) etc. Despite these and many other measures, the level of NPAs is now unprecedented. Appreciating this growing concern of banks, the Government has now come out with an Ordinance on NPA Policy Resolution which seems to be an effective tool by granting more powers to RBI and also building up confidence in the minds of bankers in taking decisions on huge write off/write downs as part of resolution of mega problematic projects. Although this is considered to be a one time exercise to resolve mega top stressed loan assets, the Ordinance is expected to create a conducive environment for further lending to other corporate and infrastructure projects. In view of the new era to begin with the introduction of Ordinance, it is necessary for bankers at this stage to develop a fair understanding of the new Ordinance by going through its historical background, initiatives taken by RBI and Government during the recent past, features and likely impact of the ordinance. Towards this end, the present article makes an overview and offers suggestions for effective implementation of the Ordinance. To begin with, let us study the need for introduction of Ordinance.","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"50 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":"114675828","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.2021.00003.3
A. Ruma
{"title":"A study on education related goals and achievement based on millennium development goals and sustainable development goals Bangladesh perspective","authors":"A. Ruma","doi":"10.5958/0976-478X.2021.00003.3","DOIUrl":"https://doi.org/10.5958/0976-478X.2021.00003.3","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"693 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":"115117981","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.2017.00006.4
S. Dhopte, Meenakshi Sinha
{"title":"A study of essential components of corporate skills","authors":"S. Dhopte, Meenakshi Sinha","doi":"10.5958/0976-478X.2017.00006.4","DOIUrl":"https://doi.org/10.5958/0976-478X.2017.00006.4","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"162 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":"116161404","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.2017.00023.4
Shailesh Singh Thakur, S. Jain, R. Soni
{"title":"Understanding individual retirement planning behaviour: An evidence from survey data","authors":"Shailesh Singh Thakur, S. Jain, R. Soni","doi":"10.5958/0976-478X.2017.00023.4","DOIUrl":"https://doi.org/10.5958/0976-478X.2017.00023.4","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"4 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":"124096128","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.2021.00002.1
Sarita T. Aurangabadkar
{"title":"Learning during the ‘Lockdown’ due to COVID-19 with reference to students enrolled for higher education in select cities of Maharashtra","authors":"Sarita T. Aurangabadkar","doi":"10.5958/0976-478X.2021.00002.1","DOIUrl":"https://doi.org/10.5958/0976-478X.2021.00002.1","url":null,"abstract":"","PeriodicalId":168940,"journal":{"name":"Journal of Commerce and Management Thought","volume":"45 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":"127350043","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}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：