Pub Date : 2020-01-01DOI: 10.34293/commerce.v8i1.985
C. Vijai, P. Anitha
The banking sector could be the backbone of the Indian economy. In today’s era, technology support is incredibly necessary for the triple-crown functioning of the banking sector. While not IT and communication, we tend to cannot accept the success and growth of the industry and economy, it’s enlarged the role of the banking sector within the Indian economy. Run batted in new rules and supporting new technology and innovation for the client within the banks. The Indian banking sector was introduced the RTGS, mobile banking, Digital Wallets, UPI, Blockchain Technology, computing, Cloud Banking, wearable Technology, Omnichannel Banking, the point of sale, square measure numerous innovations within the Indian banking sector. This paper highlights the information technology in the Indian banking sector. This paper is descriptive. Secondary information square measures collected from numerous websites, reports, and journals.
{"title":"Information Technology in Indian Banking Sector Some Recent Developments","authors":"C. Vijai, P. Anitha","doi":"10.34293/commerce.v8i1.985","DOIUrl":"https://doi.org/10.34293/commerce.v8i1.985","url":null,"abstract":"The banking sector could be the backbone of the Indian economy. In today’s era, technology support is incredibly necessary for the triple-crown functioning of the banking sector. While not IT and communication, we tend to cannot accept the success and growth of the industry and economy, it’s enlarged the role of the banking sector within the Indian economy. Run batted in new rules and supporting new technology and innovation for the client within the banks. The Indian banking sector was introduced the RTGS, mobile banking, Digital Wallets, UPI, Blockchain Technology, computing, Cloud Banking, wearable Technology, Omnichannel Banking, the point of sale, square measure numerous innovations within the Indian banking sector. This paper highlights the information technology in the Indian banking sector. This paper is descriptive. Secondary information square measures collected from numerous websites, reports, and journals.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130204322","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 : 2020-01-01DOI: 10.34293/commerce.v8i1.1619
J. Fathima
“Digital” is the new popular expression in all sectors. With other sector, banking is additionally all around the world moving towards digitalization. Banks all things considered and over all areas are making immense investments in digital activities so as to keep up a competitive edge and convey the greatest to its customers. Selection of digitalization is significant for the banking sector. By grasping digitalization, banks can provide upgraded customer services. This provides accommodation to customers and aides in sparing time. Digitalization has transformed manual processes, transactions and exercises into digital services. Over all verticals, buyer needs have been met in entirely imaginative manners, upsetting existing enterprise esteem chains. Digitalization reduces human blunder and in this manner constructs customer unwaveringness. Today, individuals have nonstop access to banks due to online banking. Managing a lot of cash has additionally become simpler. Digitalization has additionally profited customers by encouraging cashless transactions. Customers need not store cash any longer and can make transactions at wherever and time. A few commercial banks began moving towards digital customer services to stay competitive and relevant in the race. Banks have profited in a few different ways by receiving more current innovations. E-banking has brought about reducing costs definitely and has created revenue through different channels. Commercial Banks in India have moved towards innovation by method for Bank Mechanization and Automation with the prologue to MICR based check processing, Electronic Funds transfer, Inter-availability among bank Branches and implementation of ATM (Automated Teller Machine) Channel have brought about the accommodation of Anytime banking. Solid activities are taken by the Reserve Bank of India for reinforces the Payment and Settlement systems in the banks. Indian government, banks, fintech companies have been advancing and changing the manner in which India spends its money. Simultaneously digital revolution additionally raises new challenges to the solidness and the uprightness of the financial system and the protection of buyers. Hence, the present study has been done on the digital revolution in the Indian Banking sector and the study based on the secondary sources of data.
{"title":"Digital Revolution in the Indian Banking Sector","authors":"J. Fathima","doi":"10.34293/commerce.v8i1.1619","DOIUrl":"https://doi.org/10.34293/commerce.v8i1.1619","url":null,"abstract":"“Digital” is the new popular expression in all sectors. With other sector, banking is additionally all around the world moving towards digitalization. Banks all things considered and over all areas are making immense investments in digital activities so as to keep up a competitive edge and convey the greatest to its customers. Selection of digitalization is significant for the banking sector. By grasping digitalization, banks can provide upgraded customer services. This provides accommodation to customers and aides in sparing time. Digitalization has transformed manual processes, transactions and exercises into digital services. Over all verticals, buyer needs have been met in entirely imaginative manners, upsetting existing enterprise esteem chains. Digitalization reduces human blunder and in this manner constructs customer unwaveringness. Today, individuals have nonstop access to banks due to online banking. Managing a lot of cash has additionally become simpler. Digitalization has additionally profited customers by encouraging cashless transactions. Customers need not store cash any longer and can make transactions at wherever and time. A few commercial banks began moving towards digital customer services to stay competitive and relevant in the race. Banks have profited in a few different ways by receiving more current innovations. E-banking has brought about reducing costs definitely and has created revenue through different channels. Commercial Banks in India have moved towards innovation by method for Bank Mechanization and Automation with the prologue to MICR based check processing, Electronic Funds transfer, Inter-availability among bank Branches and implementation of ATM (Automated Teller Machine) Channel have brought about the accommodation of Anytime banking. Solid activities are taken by the Reserve Bank of India for reinforces the Payment and Settlement systems in the banks. Indian government, banks, fintech companies have been advancing and changing the manner in which India spends its money. Simultaneously digital revolution additionally raises new challenges to the solidness and the uprightness of the financial system and the protection of buyers. Hence, the present study has been done on the digital revolution in the Indian Banking sector and the study based on the secondary sources of data.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"627 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123336943","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.810
Garima Bhardwaj
In 21st century, the first criteria that defines the perception of a nation is its economic status. In order to uplift economic status, countries try to reap their USPs by marketing them and positioning them as a brand, for attracting market from across the globe.Even when a country does not consciously manage its name as a brand, people still have images of countries that can be activated by simply voicing the name. Country images are likely to influence people’s decisions consciously or unconsciously, in making multiple other decisions such as Purchasing, Investing, Changing Residence, Traveling and many more. The world’s leading economies for 2019-20, including the USA, China, Japan have a renowned global image of its own in their respective field of uniqueness and that’s how, consistent nurturing of that image helps in positioning a nation as a specific brand.The economic power centres of the world have been changing from west to east and by the end of 2050, (A report by PwC, London) the current developing economies may become one of the largest economies of the world with the help of their smart global self-positioning strategies. India also, has huge stamina to be the 2nd largest economy by then, if the nation’s numerous factors have been marketized in such a way that can position this nation as a big brand, in so many areas, ultimately leading the nation towards a better global position in Diplomatic, Prestigious and Economic ways.
{"title":"Brand Management: A Scientific Art of Branding a Country","authors":"Garima Bhardwaj","doi":"10.34293/commerce.v7i4.810","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.810","url":null,"abstract":"In 21st century, the first criteria that defines the perception of a nation is its economic status. In order to uplift economic status, countries try to reap their USPs by marketing them and positioning them as a brand, for attracting market from across the globe.Even when a country does not consciously manage its name as a brand, people still have images of countries that can be activated by simply voicing the name. Country images are likely to influence people’s decisions consciously or unconsciously, in making multiple other decisions such as Purchasing, Investing, Changing Residence, Traveling and many more. The world’s leading economies for 2019-20, including the USA, China, Japan have a renowned global image of its own in their respective field of uniqueness and that’s how, consistent nurturing of that image helps in positioning a nation as a specific brand.The economic power centres of the world have been changing from west to east and by the end of 2050, (A report by PwC, London) the current developing economies may become one of the largest economies of the world with the help of their smart global self-positioning strategies. India also, has huge stamina to be the 2nd largest economy by then, if the nation’s numerous factors have been marketized in such a way that can position this nation as a big brand, in so many areas, ultimately leading the nation towards a better global position in Diplomatic, Prestigious and Economic ways.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"2 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115718660","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.647
S. Manjushree, K. Giridhar
Priority sector lending is a scheme directed s per Government of India. As per RBI directive, commercial banks advised to granting 40% of their total advances to borrowers in the priority sectors. Priority means to give preference and privilege. Priority sector lending refers to those sectors of the economy which may not grow in prudent and satisfactory crediting in absence of this special dispensation. Typically, these are small value loans to farmers for agriculture and allied activities, micro and small enterprises, poor people for education and other low- income groups and weaker section. This paper provides a platform to understand the problems and prospects of priority sector lending in state bank of India in Bhadravathi. The study has used both primary and secondary data. The data collected is embodied by using tables and analysis was done by using percentage analysis and statistical tool like X2 test is also used.
{"title":"A Study of Priority Sector Lending by State Bank of India","authors":"S. Manjushree, K. Giridhar","doi":"10.34293/commerce.v7i4.647","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.647","url":null,"abstract":"Priority sector lending is a scheme directed s per Government of India. As per RBI directive, commercial banks advised to granting 40% of their total advances to borrowers in the priority sectors. Priority means to give preference and privilege. Priority sector lending refers to those sectors of the economy which may not grow in prudent and satisfactory crediting in absence of this special dispensation. Typically, these are small value loans to farmers for agriculture and allied activities, micro and small enterprises, poor people for education and other low- income groups and weaker section. This paper provides a platform to understand the problems and prospects of priority sector lending in state bank of India in Bhadravathi. The study has used both primary and secondary data. The data collected is embodied by using tables and analysis was done by using percentage analysis and statistical tool like X2 test is also used.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"2010 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127340674","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.538
V. Abhilashnath, A. Shareef
This study dedicated to understanding the role of Kudumbashree in ensuring the financial empowerment of women through entrepreneurship by discussing the socio-economic conditions of the women. Economic status, their involvement in entrepreneurshipactivity. In addition, this study tries to figure out the Challenges faced by women to achieve their financial goals. This study follows Descriptive Research Design to explain Present Scenario. Observed from primary data collected from 71 samples through Google form with the help of Social Media. Collected samples analyzed using Statistical Package for Social Science (SPSS) to examine the various statistical application to describe the situation. The study will wet the policy makers, Government, various Institution to frame a holistic entrepreneurship development policy for Kudumbashree Women in Kerala. It raises awareness about opportunities for financial growth which encouraging the women to overcome the poverty trap and unemployment challenges.
{"title":"Role of Kudumbashree in Ensuring the Financial Empowerment of Women through Entrepreneurship in Malappuram District","authors":"V. Abhilashnath, A. Shareef","doi":"10.34293/commerce.v7i4.538","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.538","url":null,"abstract":"This study dedicated to understanding the role of Kudumbashree in ensuring the financial empowerment of women through entrepreneurship by discussing the socio-economic conditions of the women. Economic status, their involvement in entrepreneurshipactivity. In addition, this study tries to figure out the Challenges faced by women to achieve their financial goals. This study follows Descriptive Research Design to explain Present Scenario. Observed from primary data collected from 71 samples through Google form with the help of Social Media. Collected samples analyzed using Statistical Package for Social Science (SPSS) to examine the various statistical application to describe the situation. The study will wet the policy makers, Government, various Institution to frame a holistic entrepreneurship development policy for Kudumbashree Women in Kerala. It raises awareness about opportunities for financial growth which encouraging the women to overcome the poverty trap and unemployment challenges.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116655459","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.598
Rajani B Bhat
Since the formation of Bitcoin in 2009, various private digital currencies have been presented. Bitcoin is by a long shot the best one. It has been getting a great deal of media consideration, and its all out market worth has arrived at 20 billions USD in March 2017. More importantly, a number of central banks started recently to explore the adoption of cryptocurrency and blockchain technologies for retail and large-value payments. Bitcoin is a digital currency based on a peer-topeer payment system managed by an open source software and characterized by lower transaction costs, greater security and scalability than fiat money and no need of a central bank. In spite of criticisms about illegal uses and social consequences, it is attracting the interest of the scientific as well as economic community. Be that as it may, notwithstanding Bitcoin’s worth, the paper clarified, physical stores have been delayed to acknowledge it as a technique for installment. Subsequently, a few lookers are getting to be critical about whether this tech-trendy person digital money, which everybody has known about however the vast majority don’t genuinely comprehend, will ever supplant conventional cash. Only one exchange can use as much vitality as a whole family unit does in seven days, and there are around 300,000 exchanges each day. That vitality request is usually met through petroleum product vitality sources, which, alongside contaminating air and water, radiate ozone harming substances that reason environmental change. At the end of the day, Bitcoins are adding to the warming of the climate without giving a noteworthy open advantage consequently. Some Bitcoin lovers guarantee that it will in the long run become a standard money, and that the cryptogovernance framework whereupon it’s manufactured could really support the earth. In any case, the Bitcoin market is unstable, its future dinky. Off-the-rack PCs used to be incredible enough to mine Bitcoins. Presently, on the grounds that the math issues are so perplexing, they should utilize particular equipment called Application Specific Integrated Circuit, or ASIC. These mining machines are huge and run hot, and the individuals who use them—either Bitcoin mining organizations or Bitcoin devotees cooperating—utilize a great deal of power to do as such. Organizations and associations that mine bitcoin will once in a while have a huge number of these machines pressed into far reaching distribution centers. Hence, the present study is an attempt to define and evaluate the current trends of the literature concerned with the sustainability of bitcoin, considering the environmental impacts and economic aspects. The study is divided into four parts – first part explains the concept of bitcoin in detail with its history. The second part of the study details the statement of the problem. The third part deals with results and discussions and the last is the concluding part. In the results and discussion part, the data dealin
{"title":"Bitcoin - A Boon to Economy or Bane to Sustainability","authors":"Rajani B Bhat","doi":"10.34293/commerce.v7i4.598","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.598","url":null,"abstract":"Since the formation of Bitcoin in 2009, various private digital currencies have been presented. Bitcoin is by a long shot the best one. It has been getting a great deal of media consideration, and its all out market worth has arrived at 20 billions USD in March 2017. More importantly, a number of central banks started recently to explore the adoption of cryptocurrency and blockchain technologies for retail and large-value payments. Bitcoin is a digital currency based on a peer-topeer payment system managed by an open source software and characterized by lower transaction costs, greater security and scalability than fiat money and no need of a central bank. In spite of criticisms about illegal uses and social consequences, it is attracting the interest of the scientific as well as economic community. Be that as it may, notwithstanding Bitcoin’s worth, the paper clarified, physical stores have been delayed to acknowledge it as a technique for installment. Subsequently, a few lookers are getting to be critical about whether this tech-trendy person digital money, which everybody has known about however the vast majority don’t genuinely comprehend, will ever supplant conventional cash. Only one exchange can use as much vitality as a whole family unit does in seven days, and there are around 300,000 exchanges each day. That vitality request is usually met through petroleum product vitality sources, which, alongside contaminating air and water, radiate ozone harming substances that reason environmental change. At the end of the day, Bitcoins are adding to the warming of the climate without giving a noteworthy open advantage consequently. Some Bitcoin lovers guarantee that it will in the long run become a standard money, and that the cryptogovernance framework whereupon it’s manufactured could really support the earth. In any case, the Bitcoin market is unstable, its future dinky. Off-the-rack PCs used to be incredible enough to mine Bitcoins. Presently, on the grounds that the math issues are so perplexing, they should utilize particular equipment called Application Specific Integrated Circuit, or ASIC. These mining machines are huge and run hot, and the individuals who use them—either Bitcoin mining organizations or Bitcoin devotees cooperating—utilize a great deal of power to do as such. Organizations and associations that mine bitcoin will once in a while have a huge number of these machines pressed into far reaching distribution centers. Hence, the present study is an attempt to define and evaluate the current trends of the literature concerned with the sustainability of bitcoin, considering the environmental impacts and economic aspects. The study is divided into four parts – first part explains the concept of bitcoin in detail with its history. The second part of the study details the statement of the problem. The third part deals with results and discussions and the last is the concluding part. In the results and discussion part, the data dealin","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"62 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126618704","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.623
T. Divya, A. Viswambharan
Investment Risk Management is the process of identifying possible risks in the investment and analysing them well in advance and to take necessary steps to prevent them. In case of businesses when they make financial investments, they do risk management so efficiently, so that they can identify the potential economic risks, their impacts and ways to overcome them. Risk management takes place when an investor or fund manager quantifies of the potential losses and takes necessary actions to tackle the risk involved in the investment. The purpose of this paper is (i) To study the various steps involved in the process of investment risk management. (ii) To understand the importance of investment risk management. (iii) To identify the principles that guides the investment risk management and (iv) To know the different ways and strategies to manage the risk. Financial Risk Management controls the entire investment game. This paper provides a starting point for investors or fund managers to establish their own risk management strategies. Investment Risk Management teaches how to make more by risking less. Investment risk management is the secret behind safe and consistent profits making in any market condition.
{"title":"Investment Risk Management","authors":"T. Divya, A. Viswambharan","doi":"10.34293/commerce.v7i4.623","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.623","url":null,"abstract":"Investment Risk Management is the process of identifying possible risks in the investment and analysing them well in advance and to take necessary steps to prevent them. In case of businesses when they make financial investments, they do risk management so efficiently, so that they can identify the potential economic risks, their impacts and ways to overcome them. Risk management takes place when an investor or fund manager quantifies of the potential losses and takes necessary actions to tackle the risk involved in the investment. The purpose of this paper is (i) To study the various steps involved in the process of investment risk management. (ii) To understand the importance of investment risk management. (iii) To identify the principles that guides the investment risk management and (iv) To know the different ways and strategies to manage the risk. Financial Risk Management controls the entire investment game. This paper provides a starting point for investors or fund managers to establish their own risk management strategies. Investment Risk Management teaches how to make more by risking less. Investment risk management is the secret behind safe and consistent profits making in any market condition.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"386 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134555105","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.539
H. Bello, I. Galadima, Baraka Ibrahim Aliyu
This research work aimed at studying the business and economic suitability of the introduction of alternative ethical finance through Islamic banking system in Nigeria as being consistent with modern economies. As Islamic banking system is working in a number of countries, then, Nigeria shouldn’t be a battle ground between Muslims and Christians mostly because it carries the toga of Islam thereby ignoring the beneficial social goals inherent in the Islamic alternative modes of ethical financing and investments. The issue of interest is a philosophical question which has to do with the core concept of ‘is money a commodity that can be traded on its own or not? The central issue is that the contemporary financial system is exploitative, unjust, discriminating, unstable and crisis generating. The sampling method adopted for the study was stratified random sampling technique. The study was conducted with 480 respondents in Abuja and responses elicited from questionnaires administered. The instrument used for data collection was questionnaire and data analysis made used of simple percentage and ANOVA was adopted for hypothesis testing. Data obtained was analyzed with inferential statistical technique. ANOVA was employed to test each hypothesis at 99 per cent confidence level. Results were analyzed through descriptive statistics and hypotheses tested using ANOVA at 0.01 level of significance. Thus, this paper believes that the Islamic banking provides financial solutions that are not only concerned with the growth of money but the ethical means by which money can be used to generate wealth. The paper also believes that with the establishment of Islamic banking system in Nigeria therefore will relatively remedy the problems of interest banking system that are making unemployment and redundancy to becoming order of the day. This study suggested that the introduction of Islamic banking system in Nigeria might promote a balance between the social and economic aspects of human society, the self and social interests and between the individual, family, society and the State. It can effectively address issues like income distribution and poverty alleviation, which capitalism has not been able to address and at the global level, it will rid the basis of instability, so making the world a happier place with harmony among followers of various religions.
{"title":"Phobia of the Introduction of Ethical Financing through Islamic Banking System in Nigeria: Respondents’ Perceptions on Business and Economic Suitability","authors":"H. Bello, I. Galadima, Baraka Ibrahim Aliyu","doi":"10.34293/commerce.v7i4.539","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.539","url":null,"abstract":"This research work aimed at studying the business and economic suitability of the introduction of alternative ethical finance through Islamic banking system in Nigeria as being consistent with modern economies. As Islamic banking system is working in a number of countries, then, Nigeria shouldn’t be a battle ground between Muslims and Christians mostly because it carries the toga of Islam thereby ignoring the beneficial social goals inherent in the Islamic alternative modes of ethical financing and investments. The issue of interest is a philosophical question which has to do with the core concept of ‘is money a commodity that can be traded on its own or not? The central issue is that the contemporary financial system is exploitative, unjust, discriminating, unstable and crisis generating. The sampling method adopted for the study was stratified random sampling technique. The study was conducted with 480 respondents in Abuja and responses elicited from questionnaires administered. The instrument used for data collection was questionnaire and data analysis made used of simple percentage and ANOVA was adopted for hypothesis testing. Data obtained was analyzed with inferential statistical technique. ANOVA was employed to test each hypothesis at 99 per cent confidence level. Results were analyzed through descriptive statistics and hypotheses tested using ANOVA at 0.01 level of significance. Thus, this paper believes that the Islamic banking provides financial solutions that are not only concerned with the growth of money but the ethical means by which money can be used to generate wealth. The paper also believes that with the establishment of Islamic banking system in Nigeria therefore will relatively remedy the problems of interest banking system that are making unemployment and redundancy to becoming order of the day. This study suggested that the introduction of Islamic banking system in Nigeria might promote a balance between the social and economic aspects of human society, the self and social interests and between the individual, family, society and the State. It can effectively address issues like income distribution and poverty alleviation, which capitalism has not been able to address and at the global level, it will rid the basis of instability, so making the world a happier place with harmony among followers of various religions.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131031392","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.565
M. Binny, A. Morarji
Scholars have invented organizational Citizenship Behaviour (OCB) in the past twenty-five years, and it carries on to be an area of interest for scholars. Managing knowledge of employees can be a hard task. Most knowledge employees desire some level of autonomy and do not like being overseen or managed.No matter how well persons can control their feelings. All humans can become expressively cooperated. Hopeful them to get involved in other ways that promote OCB is a good idea. The researchers will find a positive and significant relationship between overall OCB and performance at the group level.
{"title":"Investigation of Organizational Citizenship Behavior on Employees","authors":"M. Binny, A. Morarji","doi":"10.34293/commerce.v7i4.565","DOIUrl":"https://doi.org/10.34293/commerce.v7i4.565","url":null,"abstract":"Scholars have invented organizational Citizenship Behaviour (OCB) in the past twenty-five years, and it carries on to be an area of interest for scholars. Managing knowledge of employees can be a hard task. Most knowledge employees desire some level of autonomy and do not like being overseen or managed.No matter how well persons can control their feelings. All humans can become expressively cooperated. Hopeful them to get involved in other ways that promote OCB is a good idea. The researchers will find a positive and significant relationship between overall OCB and performance at the group level.","PeriodicalId":369898,"journal":{"name":"Shanlax International Journal of Commerce","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129685221","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 : 2019-10-01DOI: 10.34293/commerce.v7i4.403
H. Bai
This paper is designed to study the extent of the customer satisfaction through service quality provided by Banks. Service Quality is playing a vital role in every field. Without customer satisfaction through service quality it is not possible to succeed in any industry. Customer satisfaction provides a leading indicator of customer participation and loyalty. Satisfied customers are central to optimal performance and financial returns. However customer are dissatisfied because of poor service, lack of up gradation of technology, unawareness about technology introduced by the rural banks For the purpose of study, the researcher has selected 50 respondents who are the customers of the rural bank . All the customers were surveyed by using questionnaire and the level of satisfaction or dissatisfaction from the services of the bankwas studied. In order to assess or understand these problems and to find some valuable suggestions to the rural banks in these particular aspects thissurvey was conducted.
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