Cyber Swachhta, is a very important initiative taken by the government of India after launching the digital India where the government has found various challenges related to cyber security, cleaning, and malware analysis. "Cyber Swachhta Kendra" (Center for Botnet Cleanup and Malware Analysis) is part of the Government of India's Digital India initiative under the Ministry of Electronics and Technology Information, which aims to create security by tracking and tracing botnet infections. Malware is a malicious software basically computer programs that are designed to damage the computer without the user's continent and control by cyber criminals. CERT-In (CSK) celebrating "Cyber Swachhta Pakhwada" during 01-15 February 2023. As a people of India, people should follow the guidelines related to Cyber Swachhta
{"title":"DESCRIPTIVE ANALYSIS OF CYBER SWACHHTA KENDRA - AN INITIATIVE BY GOVERNMENT OF INDIA.","authors":"Heena Jayesh Ganatra","doi":"10.51767/joc1512","DOIUrl":"https://doi.org/10.51767/joc1512","url":null,"abstract":"Cyber Swachhta, is a very important initiative taken by the government of India after launching the digital India where the government has found various challenges related to cyber security, cleaning, and malware analysis. \"Cyber Swachhta Kendra\" (Center for Botnet Cleanup and Malware Analysis) is part of the Government of India's Digital India initiative under the Ministry of Electronics and Technology Information, which aims to create security by tracking and tracing botnet infections. Malware is a malicious software basically computer programs that are designed to damage the computer without the user's continent and control by cyber criminals. CERT-In (CSK) celebrating \"Cyber Swachhta Pakhwada\" during 01-15 February 2023. As a people of India, people should follow the guidelines related to Cyber Swachhta","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131080790","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}
With the prospect of reaching billions of new customers, banks and a widening array of non-banks have begun to offer digital financial services for financially excluded and underserved populations, building on the digital approaches that have been used for years to improve access channels for those already served by the formal financial sector. Digital financial services — including those involving the use of mobile phones — have now been launched in more than 80 countries, with some reaching significant scale. Digital financial inclusion involves the deployment of the cost-saving digital means to reach currently financially excluded and underserved populations with a range of formal financial services suited to their needs that are responsibly delivered at a cost affordable to customers and sustainable for providers.
{"title":"DIGITAL FINANCIAL INCLUSION AND INCLUSIVE DEVELOPMENT OF INDIA","authors":"G. K. Sinha","doi":"10.51767/joc1508","DOIUrl":"https://doi.org/10.51767/joc1508","url":null,"abstract":"With the prospect of reaching billions of new customers, banks and a widening array of non-banks have begun to offer digital financial services for financially excluded and underserved populations, building on the digital approaches that have been used for years to improve access channels for those already served by the formal financial sector. Digital financial services — including those involving the use of mobile phones — have now been launched in more than 80 countries, with some reaching significant scale. Digital financial inclusion involves the deployment of the cost-saving digital means to reach currently financially excluded and underserved populations with a range of formal financial services suited to their needs that are responsibly delivered at a cost affordable to customers and sustainable for providers.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114478442","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}
Any economy's ability to grow and develop sustainably depends heavily on the corporate sector. Comparatively speaking, jurisdictions with stronger governance are more prosperous than those with weaker corporate governance. Although the concept of an independent director was first introduced in the United States of America as a voluntary measure, it was made mandatory due to issues with management and shareholder agency theory, commonly known as the outsider's model issues. Regardless of the form of corporate governance they were using, the massive business failures that were taking place in different jurisdictions forced regulators all over the world to enact mandatory provisions addressing the Independent Directors. Several other countries adopted the concept to reorganize and rebuild the board structure in order to provide enhanced governance through the nomination of independent directors after the US and UK pioneered in this direction. The current paper's main objective is to examine the legal guidelines governing the independent director positions in Singapore and India, two Asian Pacific countries.
{"title":"INDEPENDENT DIRECTORS: A COMPARATIVE STUDY OF INDIA AND SINGAPORE","authors":"Sanjiv Chaturvedi, Pooja Shukla","doi":"10.51767/joc1505","DOIUrl":"https://doi.org/10.51767/joc1505","url":null,"abstract":"Any economy's ability to grow and develop sustainably depends heavily on the corporate sector. Comparatively speaking, jurisdictions with stronger governance are more prosperous than those with weaker corporate governance. Although the concept of an independent director was first introduced in the United States of America as a voluntary measure, it was made mandatory due to issues with management and shareholder agency theory, commonly known as the outsider's model issues. Regardless of the form of corporate governance they were using, the massive business failures that were taking place in different jurisdictions forced regulators all over the world to enact mandatory provisions addressing the Independent Directors. Several other countries adopted the concept to reorganize and rebuild the board structure in order to provide enhanced governance through the nomination of independent directors after the US and UK pioneered in this direction. The current paper's main objective is to examine the legal guidelines governing the independent director positions in Singapore and India, two Asian Pacific countries.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115886589","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}
Digital Marketing and Social Media Marketing are the two elements which are separate diverse segments in the field of marketing. With the digital transformations and increase and in the use of the technology, the digital as well as the social media marketing segment has brought a massive revolution around the globe. The objective of this research paper is focusing on finding the recent trends that affect the startups in the Indian Economy. The study is also being conducted to analyse the technological innovations and find out the new vocabularies of marketing as per 2023. All of this has increased due to the adoption of the digital transformations by the companies around the world, who are having micro, small and medium scale enterprises, as well as the large scale enterprises. The conclusions of the research will show how these trends can be utilised by startups as an opportunity by the target marketers to get the maximum benefit out of it, to study new marketing trends, which can be a derivative factor to determine new trends in the field of marketing, research and development. As a subject matter, this research will be very useful to study the terminologies that such a market may possess in the present, or in the future.
{"title":"TRENDS OF DIGITAL SOCIAL MEDIA MARKETING AFFECTING STARTUPS IN INDIAN ECONOMY","authors":"Kritika Prakash, Mahendra Singhai","doi":"10.51767/joc1506","DOIUrl":"https://doi.org/10.51767/joc1506","url":null,"abstract":"Digital Marketing and Social Media Marketing are the two elements which are separate diverse segments in the field of marketing. With the digital transformations and increase and in the use of the technology, the digital as well as the social media marketing segment has brought a massive revolution around the globe. The objective of this research paper is focusing on finding the recent trends that affect the startups in the Indian Economy. The study is also being conducted to analyse the technological innovations and find out the new vocabularies of marketing as per 2023. All of this has increased due to the adoption of the digital transformations by the companies around the world, who are having micro, small and medium scale enterprises, as well as the large scale enterprises. The conclusions of the research will show how these trends can be utilised by startups as an opportunity by the target marketers to get the maximum benefit out of it, to study new marketing trends, which can be a derivative factor to determine new trends in the field of marketing, research and development. As a subject matter, this research will be very useful to study the terminologies that such a market may possess in the present, or in the future.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129588343","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}
The academics, policymakers and regulators have shown significant interest in the study of financial inclusion. Financial inclusion has theoretically demonstrated a favourable impact on economic growth, but its empirical findings seem to be rare. The goal of this article is to provide a thorough understanding of the relationship between financial inclusion and economic growth. The degree of financial inclusion on a global scale has been quantified with the help of four multi-dimensional global indexes, emphasizing the role played by the banking sector, insurance sector, and other deposit-taking corporations as well as their overall contribution to enhance the level of financial inclusion. Afterward, panel econometric techniques were used to study the relationship. The study uses annual data of 37 countries for the years 2010 to 2020. The results support favourable long-run relationship between the selected variables
{"title":"AN EMPIRICAL EXAMINATION OF THE RELATIONSHIP BETWEEN GLOBAL FINANCIAL INCLUSION & ECONOMIC GROWTH","authors":"Priyanka Verma, Pooja Soni, Keshav Malhotra","doi":"10.51767/joc1501","DOIUrl":"https://doi.org/10.51767/joc1501","url":null,"abstract":"The academics, policymakers and regulators have shown significant interest in the study of financial inclusion. Financial inclusion has theoretically demonstrated a favourable impact on economic growth, but its empirical findings seem to be rare. The goal of this article is to provide a thorough understanding of the relationship between financial inclusion and economic growth. The degree of financial inclusion on a global scale has been quantified with the help of four multi-dimensional global indexes, emphasizing the role played by the banking sector, insurance sector, and other deposit-taking corporations as well as their overall contribution to enhance the level of financial inclusion. Afterward, panel econometric techniques were used to study the relationship. The study uses annual data of 37 countries for the years 2010 to 2020. The results support favourable long-run relationship between the selected variables","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130539537","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}
Advertising is a means of communication between businesses and consumers. Advertising is a message that provides customers with more information about a brand in the market and various products that may be useful to them. In today's competitive era, advertising plays a vital role and has become a necessity in the lives of producers, traders and even consumers. The impact of advertising on consumer behavior is manifested in many ways and paradigms such as; awareness of products, attitudes towards brands, spreading useful information, and encouraging repeat purchases. Therefore, in this study, Hindustan Unilever Limited (HUL) is considered as the case companies studied. This research is being done to find out the relationship between advertising and consumers in terms of its impact, scenario of soap industry, market and corporate, factors affecting the rural consumer buying behaviour, and consumers’ buying and switching behaviour due to advertisement. Also the present study tries to investigate, the factors behind consumers' buying behavior of body soap with particular reference to Bhopal city. The study used primary and secondary data. A sample of 110 customers from Bhopal city was collected from four supermarkets using judgmental sampling. The results show that customers are motivated to buy body soap due to factors such as popularity, brand image, word of mouth, advertising, celebrity, and price.
{"title":"STUDY AND ADVERTISEMENT ON CONSUMER SOAP BUYING BEHAVIOUR OF HINDUSTAN UNILEVER LIMITED IN BHOPAL CITY","authors":"Zaffar hameed khan","doi":"10.51767/joc1509","DOIUrl":"https://doi.org/10.51767/joc1509","url":null,"abstract":"Advertising is a means of communication between businesses and consumers. Advertising is a message that provides customers with more information about a brand in the market and various products that may be useful to them. In today's competitive era, advertising plays a vital role and has become a necessity in the lives of producers, traders and even consumers. The impact of advertising on consumer behavior is manifested in many ways and paradigms such as; awareness of products, attitudes towards brands, spreading useful information, and encouraging repeat purchases. Therefore, in this study, Hindustan Unilever Limited (HUL) is considered as the case companies studied. This research is being done to find out the relationship between advertising and consumers in terms of its impact, scenario of soap industry, market and corporate, factors affecting the rural consumer buying behaviour, and consumers’ buying and switching behaviour due to advertisement. Also the present study tries to investigate, the factors behind consumers' buying behavior of body soap with particular reference to Bhopal city. The study used primary and secondary data. A sample of 110 customers from Bhopal city was collected from four supermarkets using judgmental sampling. The results show that customers are motivated to buy body soap due to factors such as popularity, brand image, word of mouth, advertising, celebrity, and price.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130863962","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}
Due to the introduction of numerous new businesses, the Indian retail industry has become one of the most dynamic and quick-paced sectors. The key attractions for global retail behemoths trying to enter additional markets are India's sizable middle class and its mostly untapped retail market, which will aid in the country's retail industry expanding more quickly. In contrast to other states, Madhya Pradesh receives equal support from both urban and rural areas for the expansion of consumption. The current study is based on secondary data and has analysed challenges faced by retail marketing in Madhya Pradesh. All the related factors challenge the retail marketing has been analysed and suggestions has been framed top solve those issues. The study can prove to be significant for the existing retailers and the prospective one too. The Qualitative analysis suggests the ways to resolve the challenges that are being confronted
{"title":"CHALLENGES OF RETAIL MARKETING IN MADHYA PRADESH","authors":"Paras Malviya, Amrita Sahu","doi":"10.51767/joc1502","DOIUrl":"https://doi.org/10.51767/joc1502","url":null,"abstract":"Due to the introduction of numerous new businesses, the Indian retail industry has become one of the most dynamic and quick-paced sectors. The key attractions for global retail behemoths trying to enter additional markets are India's sizable middle class and its mostly untapped retail market, which will aid in the country's retail industry expanding more quickly. In contrast to other states, Madhya Pradesh receives equal support from both urban and rural areas for the expansion of consumption. The current study is based on secondary data and has analysed challenges faced by retail marketing in Madhya Pradesh. All the related factors challenge the retail marketing has been analysed and suggestions has been framed top solve those issues. The study can prove to be significant for the existing retailers and the prospective one too. The Qualitative analysis suggests the ways to resolve the challenges that are being confronted","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128774886","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}
The sugar business is a significant part of the agricultural sector that has an effect on the way of life in rural areas for over 50 million sugarcane growers and approximately 5 lakh workers who are directly employed in sugar mills. As of the 31st of July, 2017, the country has a total of 732 operational sugar factories, each of which had adequate crushing capacity to generate around 339 lakh MT of sugar. The capacity is more or less split evenly between the units that belong to the private sector and the units that belong to the cooperative sector. The objective of the study was to investigate the profitability of sugar cooperatives located in the state of Gujarat. The sugar business is fundamentally unstable, and it engages in the commercial exploitation of rural resources in order to satisfy the demand for sugar while simultaneously producing surplus energy in order to satisfy the growing need for energy. For the purpose of this investigation, three cooperative businesses situated in Gujarat were chosen. In this study, an analysis was performed using the financial data of three different co-operative sugar enterprises for the years 2016–2017 through 2020–21. In order to conduct an examination of the financial data of three different co-operative sugar businesses, the techniques of ratio analysis and Anova testing were utilised.
{"title":"A STUDY ON FINANCIAL PERFORMANCE OF SELECTED COOPERATIVE SUGAR COMPANIES OF GUJARAT.","authors":"Vasava Sandipkumar Arvindbhai","doi":"10.51767/joc1507","DOIUrl":"https://doi.org/10.51767/joc1507","url":null,"abstract":"The sugar business is a significant part of the agricultural sector that has an effect on the way of life in rural areas for over 50 million sugarcane growers and approximately 5 lakh workers who are directly employed in sugar mills. As of the 31st of July, 2017, the country has a total of 732 operational sugar factories, each of which had adequate crushing capacity to generate around 339 lakh MT of sugar. The capacity is more or less split evenly between the units that belong to the private sector and the units that belong to the cooperative sector. The objective of the study was to investigate the profitability of sugar cooperatives located in the state of Gujarat. The sugar business is fundamentally unstable, and it engages in the commercial exploitation of rural resources in order to satisfy the demand for sugar while simultaneously producing surplus energy in order to satisfy the growing need for energy. For the purpose of this investigation, three cooperative businesses situated in Gujarat were chosen. In this study, an analysis was performed using the financial data of three different co-operative sugar enterprises for the years 2016–2017 through 2020–21. In order to conduct an examination of the financial data of three different co-operative sugar businesses, the techniques of ratio analysis and Anova testing were utilised.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132845293","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}
Digitalization brought a huge revolution in India. There have been many changes with the introduction of cashless transactions for a cashless economy. There is rapid growth of the digital health insurance market in India. Digital sales of health insurance products have helped customers to get updated and in-depth information about the products and increase the quick online sales, policy issuance and quick claim settlement. A structured questionnaire was designed and data was collected from agents and service providers. The data was analysed and interpreted by applying inferential statistics. The study will help companies to identify the strategies adopted by insurance providers to make digital health insurance popular.
{"title":"ADOPTION OF DIGITAL STRATEGY IN HEALTH INSURANCE SECTORWITH SPECIAL REFERENCE TO BHOPAL CITY","authors":"Deeksha Chaurasia","doi":"10.51767/joc1514","DOIUrl":"https://doi.org/10.51767/joc1514","url":null,"abstract":"Digitalization brought a huge revolution in India. There have been many changes with the introduction of cashless transactions for a cashless economy. There is rapid growth of the digital health insurance market in India. Digital sales of health insurance products have helped customers to get updated and in-depth information about the products and increase the quick online sales, policy issuance and quick claim settlement. A structured questionnaire was designed and data was collected from agents and service providers. The data was analysed and interpreted by applying inferential statistics. The study will help companies to identify the strategies adopted by insurance providers to make digital health insurance popular.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133807560","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}
The aim of this article is to make a comparative study of sound financial efficiency of the top Indian Banks in selected five Public and five Private sector and how financial ratios are affecting their performance and for the period of five years. The various financial metrics are used for comparison. Statistical variables like average, Sd, Min, Max and t-Test: Two-Sample Assuming Equal Variances used. The study concluded that Private Sector Banks performed better than the Public Sector Banks in all the financial metrics. In nutshell, from the two-sample independent t-test the ROCE (%), CASA (%), Net Profit Margin (%), ROA (%) Accepted H1 because there is a major difference between two banking sectors, with a p-value is less than 5%. For Cost to Income (%), and Interest Expenses/Total Assets (%) Accepted H0 because the p-value is higher than 5%.
{"title":"A COMPARATIVE STUDY OF FINANCIAL PERFORMANCE OF TOP PUBLIC AND PRIVATE SECTOR BANKS OF INDIA","authors":"Vanitha S, Raghavendra N R","doi":"10.51767/joc1503","DOIUrl":"https://doi.org/10.51767/joc1503","url":null,"abstract":"The aim of this article is to make a comparative study of sound financial efficiency of the top Indian Banks in selected five Public and five Private sector and how financial ratios are affecting their performance and for the period of five years. The various financial metrics are used for comparison. Statistical variables like average, Sd, Min, Max and t-Test: Two-Sample Assuming Equal Variances used. The study concluded that Private Sector Banks performed better than the Public Sector Banks in all the financial metrics. In nutshell, from the two-sample independent t-test the ROCE (%), CASA (%), Net Profit Margin (%), ROA (%) Accepted H1 because there is a major difference between two banking sectors, with a p-value is less than 5%. For Cost to Income (%), and Interest Expenses/Total Assets (%) Accepted H0 because the p-value is higher than 5%.","PeriodicalId":267407,"journal":{"name":"BSSS Journal of Commerce","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126146979","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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