The economic history of many countries reveals that financial sustainability provides not only economic development but also develops financial infrastructure, always both should go hand in hand” Now a days, financial institutions are playing vital role in the development of economy particularly banking sectors includes Commercial banks and Investment banks, leasing companies,microfinance institutions. All these forms of financial institutions are united for providing intermediate financial flow by accepting deposits from the individual depositors or wide range of Business Operations provided these financial flows to the individuals and corporate borrowers, mainly in the form of business and commercial lending in the form of short term and long-term basis and charge interest. Because of customers or clients just don’t pay what they owe, recession (trade and industrial activities are reduced) lower exports and restriction in cash withdrawals create high percentage of Non-Performing Assets (NPA). Particularly it creates Doubtful assets and loss assets. Usually banking sectors use the allowance method for purpose other than income tax and direct method to write off these assets. The finance minister informed the Lok Sabha that Schedule Commercial Banks have been written off loans worth Rs. 5.85-lakh crore. Due to large scale disruption caused by COVID- 19, bad loans in the banks are likely to increase by 200 to 300 bps by March 2021 this certainly call for special dispensation to deal with bad loans and to maintain financial health of banks. Towards this end Indian Bankers Association has again mooted a off balance sheet solution. This paper study the impact of these issues.
{"title":"Write – off doubtful assets in financial institutions - with special referance to select banking sectors","authors":"Shenbagavalli T","doi":"10.26524/jms.12.33","DOIUrl":"https://doi.org/10.26524/jms.12.33","url":null,"abstract":"The economic history of many countries reveals that financial sustainability provides not only economic development but also develops financial infrastructure, always both should go hand in hand” Now a days, financial institutions are playing vital role in the development of economy particularly banking sectors includes Commercial banks and Investment banks, leasing companies,microfinance institutions. All these forms of financial institutions are united for providing intermediate financial flow by accepting deposits from the individual depositors or wide range of Business Operations provided these financial flows to the individuals and corporate borrowers, mainly in the form of business and commercial lending in the form of short term and long-term basis and charge interest. Because of customers or clients just don’t pay what they owe, recession (trade and industrial activities are reduced) lower exports and restriction in cash withdrawals create high percentage of Non-Performing Assets (NPA). Particularly it creates Doubtful assets and loss assets. Usually banking sectors use the allowance method for purpose other than income tax and direct method to write off these assets. The finance minister informed the Lok Sabha that Schedule Commercial Banks have been written off loans worth Rs. 5.85-lakh crore. Due to large scale disruption caused by COVID- 19, bad loans in the banks are likely to increase by 200 to 300 bps by March 2021 this certainly call for special dispensation to deal with bad loans and to maintain financial health of banks. Towards this end Indian Bankers Association has again mooted a off balance sheet solution. This paper study the impact of these issues.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"28 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89858632","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 digital government collaborates several years ago with the fulfilment of the Sustainable Development Goals, and this has been premeditated in federal, regional and local governments. Which, through methodologies, strategic planning, information and communication technologies, innovation and human capital, have joined the initiatives suggested by international organizations such as the union nations, Organization for Economic Co-operation and Development, etcetera, with the goal of ensuring their incorporation. However, its complexity means that governments, especially local, face problems of understanding, analysis,interpretation and application of these suggestions, since they must consider all the aspects that electronic government implies, such as the dimensions and actors. Derived to the above, this article shows field studies to show progress in the attention of these dimensions and actors, as well as propose administrative strategies to increase their progressive attention, supported of scientific methodologies and technologies and documentary research that will guide the investigation.
{"title":"E government: dimensions attended in local governments in latin america case of mexico","authors":"Israel Patiño Galvan","doi":"10.26524/jms.12.34","DOIUrl":"https://doi.org/10.26524/jms.12.34","url":null,"abstract":"The digital government collaborates several years ago with the fulfilment of the Sustainable Development Goals, and this has been premeditated in federal, regional and local governments. Which, through methodologies, strategic planning, information and communication technologies, innovation and human capital, have joined the initiatives suggested by international organizations such as the union nations, Organization for Economic Co-operation and Development, etcetera, with the goal of ensuring their incorporation. However, its complexity means that governments, especially local, face problems of understanding, analysis,interpretation and application of these suggestions, since they must consider all the aspects that electronic government implies, such as the dimensions and actors. Derived to the above, this article shows field studies to show progress in the attention of these dimensions and actors, as well as propose administrative strategies to increase their progressive attention, supported of scientific methodologies and technologies and documentary research that will guide the investigation.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"130 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76656342","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 the study is to understand the role of Consumer Generated Media in influencing consumer’s behaviour by utilising consumer decision-making process towards electronic devices. The study mainly focused on high complex purchases, which are characterised by high consumer involvement and prominent brand differences.The study relied on techno-savvy consumers’ from four districts of Rayalseema zone via online survey.Data from a sample of 120 respondents had taken and applied SPSS for analysis. Results shown that consumer generated media shows much impact on consumer decision- making process mainly at the stages of information search and alternative evaluation.
{"title":"A study on role of consumer generated media in influencing consumer buying behaviour with reference to electronic devices","authors":"Galla Lavanya, Subbarayudu Y","doi":"10.26524/jms.12.31","DOIUrl":"https://doi.org/10.26524/jms.12.31","url":null,"abstract":"The aim of the study is to understand the role of Consumer Generated Media in influencing consumer’s behaviour by utilising consumer decision-making process towards electronic devices. The study mainly focused on high complex purchases, which are characterised by high consumer involvement and prominent brand differences.The study relied on techno-savvy consumers’ from four districts of Rayalseema zone via online survey.Data from a sample of 120 respondents had taken and applied SPSS for analysis. Results shown that consumer generated media shows much impact on consumer decision- making process mainly at the stages of information search and alternative evaluation.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"31 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79084607","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 capital structure is one of the most important strategic financial decisions of firms. Since financing decisions influence profitability and hence firm’s value, this study examines the impact of capital structure on profitability of banks . In order to meet the objectives of this study a quantitative panel data methodology was employed. The data were obtained from the audited financial statements , from the period of 8 years (2010 – 2018). Of this, 75% constitute deposit and the remaining was non-deposit liabilities. The findings revealed that capital structure as measured by total debt to asset had statistically significant insignificant,though it has postive impact, whereas deposit to asset had statistically significant positive impact on capital structure. Moreover,loan to deposit, spread and asset size also had statistically significant and positive relationship with profitability. However, growth found to have statistically insignificant impact on profitability. Therefore, The bank should give due consideration to manage its debt properly, mobilize deposit sufficiently, increase loan advances, spread, and size in their financing decisions. Furthermore,it is also advised to reduce non-deposit debt financing and raise equity financing so that to keep costs of financing at minimumlevel and hence optimize profitability and the value of the bank. Besides, the policy maker, recommended reconsidering to raise the minimum capital requirement for banks. Finally, future researchers also recommended assessing the overall performance of banks and other business sectors in the area of this research.
{"title":"A study of impact on capital structure and liquidity analysis of profitability towards hdfc bank","authors":"Venkatesan T, Nagarjan S K","doi":"10.26524/jms.12.32","DOIUrl":"https://doi.org/10.26524/jms.12.32","url":null,"abstract":"The capital structure is one of the most important strategic financial decisions of firms. Since financing decisions influence profitability and hence firm’s value, this study examines the impact of capital structure on profitability of banks . In order to meet the objectives of this study a quantitative panel data methodology was employed. The data were obtained from the audited financial statements , from the period of 8 years (2010 – 2018). Of this, 75% constitute deposit and the remaining was non-deposit liabilities. The findings revealed that capital structure as measured by total debt to asset had statistically significant insignificant,though it has postive impact, whereas deposit to asset had statistically significant positive impact on capital structure. Moreover,loan to deposit, spread and asset size also had statistically significant and positive relationship with profitability. However, growth found to have statistically insignificant impact on profitability. Therefore, The bank should give due consideration to manage its debt properly, mobilize deposit sufficiently, increase loan advances, spread, and size in their financing decisions. Furthermore,it is also advised to reduce non-deposit debt financing and raise equity financing so that to keep costs of financing at minimumlevel and hence optimize profitability and the value of the bank. Besides, the policy maker, recommended reconsidering to raise the minimum capital requirement for banks. Finally, future researchers also recommended assessing the overall performance of banks and other business sectors in the area of this research.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79986033","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}
This paper investigates the impact of oil price change, and its volatility on the stock market returns of the US, Japan, and China.Moreover it highlights the association between the returns of each market with respect to the returns of the other markets. More specifically, the study uses daily data of three indices to represent the markets which are Standard & Poor 500, Nikkei 225, and Shanghai Composite (SSE), beside daily data of crude oil price. The GARCH model employed to measure the volatility. The findings indicate that, the S&P500 returns are influenced significantly by oil price change, the returns of both N225 and SSE, as well as its own past volatility. Regarding Nikkei 225 returns it influenced by the returns of the S&P500 and SSE, and by its own previous day volatility. In contrast, Shanghai Composite returns are not influenced neither by oil price change, nor by the returns of the two other indices, rather it’s only affected by its own previous volatility, and S&P500 and Nikkei 255 returns are influencing each other. The impact of oil price volatility on the three stock indices returns is insignificant during the sample period.
{"title":"The impact of oil price change and its volatility on major global stock markets","authors":"Mai Mahmoud Abdo","doi":"10.26524/jms.12.9","DOIUrl":"https://doi.org/10.26524/jms.12.9","url":null,"abstract":"This paper investigates the impact of oil price change, and its volatility on the stock market returns of the US, Japan, and China.Moreover it highlights the association between the returns of each market with respect to the returns of the other markets. More specifically, the study uses daily data of three indices to represent the markets which are Standard & Poor 500, Nikkei 225, and Shanghai Composite (SSE), beside daily data of crude oil price. The GARCH model employed to measure the volatility. The findings indicate that, the S&P500 returns are influenced significantly by oil price change, the returns of both N225 and SSE, as well as its own past volatility. Regarding Nikkei 225 returns it influenced by the returns of the S&P500 and SSE, and by its own previous day volatility. In contrast, Shanghai Composite returns are not influenced neither by oil price change, nor by the returns of the two other indices, rather it’s only affected by its own previous volatility, and S&P500 and Nikkei 255 returns are influencing each other. The impact of oil price volatility on the three stock indices returns is insignificant during the sample period.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"21 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89842092","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 paper investigates the satisfaction level of employees in organisations concerning job satisfaction variables. The sample size for the study consists of 139 employees of public and private institutions in Ghana. The results indicate a high level of satisfaction of the variables examined, with the three most satisfying variables been respect for workers, devotion to work, and learning from colleagues respectively. Also, marital status differences exist in job satisfaction of the respondent's satisfaction of the variables.The research influences the future performance of an organisation by paying attention to job satisfaction variables within the institutions to positively influence the motivation of workers to improve productivity. Future studies should examine the effect of demographic factors on job satisfaction variables and also the effect of emotional intelligence on job satisfaction variables. Also,the association between employee’s motivation and job satisfaction variables as well as job performance and job satisfaction variables should be examined. Causal studies in these areas are worth embarking on.
{"title":"The nature of job satisfaction and the effect of marital status on job satisfaction in organisations in ghana","authors":"Francis Duah, Kyeremeh Kofi","doi":"10.26524/jms.12.16","DOIUrl":"https://doi.org/10.26524/jms.12.16","url":null,"abstract":"The paper investigates the satisfaction level of employees in organisations concerning job satisfaction variables. The sample size for the study consists of 139 employees of public and private institutions in Ghana. The results indicate a high level of satisfaction of the variables examined, with the three most satisfying variables been respect for workers, devotion to work, and learning from colleagues respectively. Also, marital status differences exist in job satisfaction of the respondent's satisfaction of the variables.The research influences the future performance of an organisation by paying attention to job satisfaction variables within the institutions to positively influence the motivation of workers to improve productivity. Future studies should examine the effect of demographic factors on job satisfaction variables and also the effect of emotional intelligence on job satisfaction variables. Also,the association between employee’s motivation and job satisfaction variables as well as job performance and job satisfaction variables should be examined. Causal studies in these areas are worth embarking on.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"332 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76586252","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 main objective of this paper is to find the performance of selected equity stocks of Pharma industry on a long term basis.This paper includes different tools for evaluating the performance of the selected Pharma stocks. Some of the tools like standard deviation, Beta and Average returns are mainly used to calculate the risk and return of selected Pharma stocks in this study. The Pharma Sector occupies a position of importance in the Indian Economy. Stock markets play a predominant role in the up-liftment of the Indian Economy financially. Stock markets plays crucial role in the economic development of an investor. Indian financial markets also play a crucial role for the economic well being of the nation. Since secondary market is a part of financial market, it has major percent of share of contribution in the development of Indian Economy. In the present paper we are trying to evaluate the long term performance of Pharma industry with the help of evaluation of selected Pharma stocks. This evaluation is done on the basis of some statistical tools. The time period for evaluation is 5 years.
{"title":"Risk – return evaluation of selected pharma stocks trading in nse","authors":"V Lava Kumar, S Asha Jyothi","doi":"10.26524/jms.12.7","DOIUrl":"https://doi.org/10.26524/jms.12.7","url":null,"abstract":"The main objective of this paper is to find the performance of selected equity stocks of Pharma industry on a long term basis.This paper includes different tools for evaluating the performance of the selected Pharma stocks. Some of the tools like standard deviation, Beta and Average returns are mainly used to calculate the risk and return of selected Pharma stocks in this study. The Pharma Sector occupies a position of importance in the Indian Economy. Stock markets play a predominant role in the up-liftment of the Indian Economy financially. Stock markets plays crucial role in the economic development of an investor. Indian financial markets also play a crucial role for the economic well being of the nation. Since secondary market is a part of financial market, it has major percent of share of contribution in the development of Indian Economy. In the present paper we are trying to evaluate the long term performance of Pharma industry with the help of evaluation of selected Pharma stocks. This evaluation is done on the basis of some statistical tools. The time period for evaluation is 5 years.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"51 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90253264","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}
This research looks at the correlation between employees' overall job performance, productivity, trainability, job happiness,organisational commitment with E-learning based training methods. E-learning has made it possible for organisations to completely re-engineer the training process, while also realising the many benefits that e- learning offers. The growth of any country requires the promotion of e-learning activities. People are concerned about the rapid expansion and educational progress in today's society. If a plan is made, then the desired outcomes are sure to follow. HR and learning and development Managers at all levels of the corporate hierarchy are always seeking new and more economical methods of educating the staff members. Although more expensive than classroom education, e-learning is also less expensive in the longer run. Additional expenditures, like as training facilities and travel fees for workers or trainers, are significantly decreased by using e-learning methods in conjunctions with traditional trainings. Although this is true, one instructional approach that remains here to stay is e-learning, which teaches people required information, skills, and attitudes. How it is developed, administered, and assessed will determine how effective it is, as well as how viable it is. This Research paper takes a detailed look at current condition of e-learning in India’s Corporate Sector. We analyse the efficacy of e-learning by analysing the literature that addresses the consequences of e-learning. This research agenda was developed with the purpose of uniting the science and practice of e-learning.
{"title":"A study on e-learning perspective for employees of corporate sector","authors":"Sumit Sharma, Rajesh Rathore","doi":"10.26524/jms.12.6","DOIUrl":"https://doi.org/10.26524/jms.12.6","url":null,"abstract":"This research looks at the correlation between employees' overall job performance, productivity, trainability, job happiness,organisational commitment with E-learning based training methods. E-learning has made it possible for organisations to completely re-engineer the training process, while also realising the many benefits that e- learning offers. The growth of any country requires the promotion of e-learning activities. People are concerned about the rapid expansion and educational progress in today's society. If a plan is made, then the desired outcomes are sure to follow. HR and learning and development Managers at all levels of the corporate hierarchy are always seeking new and more economical methods of educating the staff members. Although more expensive than classroom education, e-learning is also less expensive in the longer run. Additional expenditures, like as training facilities and travel fees for workers or trainers, are significantly decreased by using e-learning methods in conjunctions with traditional trainings. Although this is true, one instructional approach that remains here to stay is e-learning, which teaches people required information, skills, and attitudes. How it is developed, administered, and assessed will determine how effective it is, as well as how viable it is. This Research paper takes a detailed look at current condition of e-learning in India’s Corporate Sector. We analyse the efficacy of e-learning by analysing the literature that addresses the consequences of e-learning. This research agenda was developed with the purpose of uniting the science and practice of e-learning.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"89 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79934647","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 last two years has been avalanche of change in HR practices. The global pandemic has altered the reality of Hr practices and redefined the work areas completely. This article will present how the transformation has been made and further how HR will emerge in the future. Organizations around the world has scrambled to react and handle the sudden pandemic effect because of which a sudden transformation was of immediate need. The emergence demanded for digital transformation strategies which are suppose to be of people centric. Understanding the prevailing scenario and peoples mindset, digital transformation was inevitable for all organizations.Considering the shifts in the industry, it is very important to keep in pace the rapid development This paper makes an attempt to study how HR practices were been designed to sustain the commitment levels of employees in various organizations from IT sector.
{"title":"Sustaining employee commitment by utilising hr practices in 2021: post covid scenario","authors":"D Pranathi, G Nagasulochana","doi":"10.26524/jms.12.5","DOIUrl":"https://doi.org/10.26524/jms.12.5","url":null,"abstract":"The last two years has been avalanche of change in HR practices. The global pandemic has altered the reality of Hr practices and redefined the work areas completely. This article will present how the transformation has been made and further how HR will emerge in the future. Organizations around the world has scrambled to react and handle the sudden pandemic effect because of which a sudden transformation was of immediate need. The emergence demanded for digital transformation strategies which are suppose to be of people centric. Understanding the prevailing scenario and peoples mindset, digital transformation was inevitable for all organizations.Considering the shifts in the industry, it is very important to keep in pace the rapid development This paper makes an attempt to study how HR practices were been designed to sustain the commitment levels of employees in various organizations from IT sector.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"18 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84336924","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}
Insurance companies play an important role in the welfare of human well-being by providing protection to millions of people against life risks such as uncertain death or accident. Even the life insurance is fastest growing service sector in India after privatization and increase in FDI. Thus it has become essential to study the buying pattern of the life insurance policies. The current study examines the various factors that affect the consumer perception towards life insurance policy. Data was collected with the help of structured questionnaire. The sample constituted of 100 respondents from Rajkot city, Gujarat. The statistical technique used for the analysis is descriptive and graphical.
{"title":"Perception of people toward life insurance policy","authors":"Varsha Virani","doi":"10.26524/jms.12.2","DOIUrl":"https://doi.org/10.26524/jms.12.2","url":null,"abstract":"Insurance companies play an important role in the welfare of human well-being by providing protection to millions of people against life risks such as uncertain death or accident. Even the life insurance is fastest growing service sector in India after privatization and increase in FDI. Thus it has become essential to study the buying pattern of the life insurance policies. The current study examines the various factors that affect the consumer perception towards life insurance policy. Data was collected with the help of structured questionnaire. The sample constituted of 100 respondents from Rajkot city, Gujarat. The statistical technique used for the analysis is descriptive and graphical.","PeriodicalId":37730,"journal":{"name":"Journal of Management Information and Decision Science","volume":"32 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90843615","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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