Pub Date : 2021-12-31DOI: 10.59640/cbr.v14i2.117-125
Resmi C. Panicker, Swapna K. Cherian
Economic Growth and Development of a nation is highly influenced by the financial well-being as well as improved standard of living of its citizens. To ensure a stable income for Indian Citizens after retirement, the Government of India has introduced Atal Pension Yojana in 2015-16 Budget. APY provides a defined guaranteed pension depending on the contributions made by the subscriber towards the scheme.APY could emerge as the mostpopular social security scheme under the NPS System. The present paperanalyzesthe amount of money an investor would receive from AtalPension Yojana after adjusting for the time value of money.The study also examines its benefits, contributions and the current trend among the public towards the scheme.The study uses secondary data. Our findings indicate that, as inflation will erode the value of pension amount over time, the pension under Atal Pension Yojana may be too small to cover the cost of living. The Government must index the subscriber contribution to inflation in order to prevent the pension fund of low-income consumers from depleting over time. If the design flaws of APY are addressed, even the most vulnerable will get benefited.
{"title":"Atal Pension Yojana: Effect of Inflation And Time Value of Money","authors":"Resmi C. Panicker, Swapna K. Cherian","doi":"10.59640/cbr.v14i2.117-125","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.117-125","url":null,"abstract":"Economic Growth and Development of a nation is highly influenced by the financial well-being as well as improved standard of living of its citizens. To ensure a stable income for Indian Citizens after retirement, the Government of India has introduced Atal Pension Yojana in 2015-16 Budget. APY provides a defined guaranteed pension depending on the contributions made by the subscriber towards the scheme.APY could emerge as the mostpopular social security scheme under the NPS System. The present paperanalyzesthe amount of money an investor would receive from AtalPension Yojana after adjusting for the time value of money.The study also examines its benefits, contributions and the current trend among the public towards the scheme.The study uses secondary data. Our findings indicate that, as inflation will erode the value of pension amount over time, the pension under Atal Pension Yojana may be too small to cover the cost of living. The Government must index the subscriber contribution to inflation in order to prevent the pension fund of low-income consumers from depleting over time. If the design flaws of APY are addressed, even the most vulnerable will get benefited.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"378 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115998709","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.69-77
Girish G, Resia Beegam.S
Indian Railways play a pivotal role in transporting goods along the length and breadth of India. Obviously, Indian Railways occupies a lion's share in the supply chain network nationwide. Private parties are allowed to construct their own terminals for loading freight onto goods trains. But, as per railway policy, they are required to bear the entire expenses for construction at the take-off point even if the land on which it is constructed is owned by railways. The private parties are also required to undertake the maintenance of such terminals. It becomes a cumbersome exercise for private parties both in financial and technical terms to run a private freight terminal. Recently, the prime minister announced a policy to bring together all infrastructure projects in a single frame. The railways have introduced the Gati Shakti Multi-Modal Terminal, whereby all the expenditures are borne by the railways and private parties are free from the burden of bearing the expenditure. Since the concept was introduced recently and is gaining popularity, an attempt to measure the outcome is too early. Nevertheless, this article throws light on the major aspects of the Gati Shakti Multi-Modal Terminal policy implemented by Indian Railways.
{"title":"Gati Shakti Multi-Modal Cargo Terminal- An Introduction to Indian Railways' New Initiative in Freight Operations","authors":"Girish G, Resia Beegam.S","doi":"10.59640/cbr.v14i2.69-77","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.69-77","url":null,"abstract":"Indian Railways play a pivotal role in transporting goods along the length and breadth of India. Obviously, Indian Railways occupies a lion's share in the supply chain network nationwide. Private parties are allowed to construct their own terminals for loading freight onto goods trains. But, as per railway policy, they are required to bear the entire expenses for construction at the take-off point even if the land on which it is constructed is owned by railways. The private parties are also required to undertake the maintenance of such terminals. It becomes a cumbersome exercise for private parties both in financial and technical terms to run a private freight terminal. Recently, the prime minister announced a policy to bring together all infrastructure projects in a single frame. The railways have introduced the Gati Shakti Multi-Modal Terminal, whereby all the expenditures are borne by the railways and private parties are free from the burden of bearing the expenditure. Since the concept was introduced recently and is gaining popularity, an attempt to measure the outcome is too early. Nevertheless, this article throws light on the major aspects of the Gati Shakti Multi-Modal Terminal policy implemented by Indian Railways.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128129816","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.34-44
P. R. Nair, T. Subash
COVID-19 was reported for the first time in Wuhan, which made a downward spiral in the world economy. It had a devastating effect on every sector of the economy including the education sector. Schools and colleges were forced to remain closed as part of social distancing measures adopted during the period. Several digital initiatives of various Government agencies gained wide acceptance during the period. Digital initiatives like e-GyanKosh, Swayam, VIDWAN, FOSSEE etc. are gaining popularity during the pandemic period and all of which facilitated the smooth functioning of academic activities in the crisis period. The potential of online classes are also utilized to ensure uninterrupted flow of teachinglearning process in the pandemic period. Even though, online classes have the advantage of the comfort of being at home, flexible hours of handling classes etc. it has its own drawbacks like difficulties in assessing students, lack of effectiveness,internet connectivity issues, lack of personal device for attending the online classes, anxieties, health issues both physical and psychological etc. The study is an attempt to list out such digital initiatives and also an assessment of online classes during the pandemic period. The study result highlight that comfort of being at home is the best part of online classes to teachers and students. Lack of effectiveness is the most important disadvantage of online classes. The constant use of mobiles, computers and laptops for a long time creates various types of health issues, both physical and psychological, to the respondents. Back pain, neck pain, eye problems, and headache are common issues for both teachers and students.
{"title":"Higher Education During the Pandemic Period - A Study on Digital Initiatives and Online Classes in the Arts & Science Colleges in Kerala","authors":"P. R. Nair, T. Subash","doi":"10.59640/cbr.v14i2.34-44","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.34-44","url":null,"abstract":"COVID-19 was reported for the first time in Wuhan, which made a downward spiral in the world economy. It had a devastating effect on every sector of the economy including the education sector. Schools and colleges were forced to remain closed as part of social distancing measures adopted during the period. Several digital initiatives of various Government agencies gained wide acceptance during the period. Digital initiatives like e-GyanKosh, Swayam, VIDWAN, FOSSEE etc. are gaining popularity during the pandemic period and all of which facilitated the smooth functioning of academic activities in the crisis period. The potential of online classes are also utilized to ensure uninterrupted flow of teachinglearning process in the pandemic period. Even though, online classes have the advantage of the comfort of being at home, flexible hours of handling classes etc. it has its own drawbacks like difficulties in assessing students, lack of effectiveness,internet connectivity issues, lack of personal device for attending the online classes, anxieties, health issues both physical and psychological etc. The study is an attempt to list out such digital initiatives and also an assessment of online classes during the pandemic period. The study result highlight that comfort of being at home is the best part of online classes to teachers and students. Lack of effectiveness is the most important disadvantage of online classes. The constant use of mobiles, computers and laptops for a long time creates various types of health issues, both physical and psychological, to the respondents. Back pain, neck pain, eye problems, and headache are common issues for both teachers and students.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"90 18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129833384","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.26-33
Vinod G, B. T.
The Cash Based Single Entry System of Accounting (CBSESA) was usedby Urban Local Bodies (ULBs), since their inception for the purpose of financial recording and reporting. Because of the system’s inherent limitations, ULBs have failed to fulfil financial responsibility, transparency requirements, tapping new avenues of finance and efficient financial administration. The 11th National Finance Commission has made its apprehension on the accounting system followed in Local Self Governments (LSGs) and strongly recommended for a change in the accounting system as a good governance initiative. Time has proven that accrual-based double entry system of accounting is the most scientific method for financial recording and reporting, and the same has been in practice in commercial entities since 15th century. Unfortunately, the socalled scientific system could not be brought about in Government accounting or LSG accounting till the end of 20th century. As the first leap the Government of India suggested to adopt Accrual Based Double Entry System of Accounting (ABDESA) in ULBs in 2004. The state of Kerala adopted Municipal Accounts Manual and ABDESA in selected ULBs from 1st April 2007 (G.O.MS/8/2007/LSGD). Since, accounting information is largely used by stake holders for different purposes including financial administration and decisions, quality of such decisions (based on the published financial statements) rests largely on the shoulder of quality of information. The present paper is a detailed analysis of the quality of financial statements generated under ABDESA by the ULBs of Kerala, based on the primary data collected from five Municipal Corporations and 40 Municipalities.
{"title":"Accrual Based Double Entry Accounting - A Revamp in the Financial Administration of Urban Local Bodies","authors":"Vinod G, B. T.","doi":"10.59640/cbr.v14i2.26-33","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.26-33","url":null,"abstract":"The Cash Based Single Entry System of Accounting (CBSESA) was usedby Urban Local Bodies (ULBs), since their inception for the purpose of financial recording and reporting. Because of the system’s inherent limitations, ULBs have failed to fulfil financial responsibility, transparency requirements, tapping new avenues of finance and efficient financial administration. The 11th National Finance Commission has made its apprehension on the accounting system followed in Local Self Governments (LSGs) and strongly recommended for a change in the accounting system as a good governance initiative. Time has proven that accrual-based double entry system of accounting is the most scientific method for financial recording and reporting, and the same has been in practice in commercial entities since 15th century. Unfortunately, the socalled scientific system could not be brought about in Government accounting or LSG accounting till the end of 20th century. As the first leap the Government of India suggested to adopt Accrual Based Double Entry System of Accounting (ABDESA) in ULBs in 2004. The state of Kerala adopted Municipal Accounts Manual and ABDESA in selected ULBs from 1st April 2007 (G.O.MS/8/2007/LSGD). Since, accounting information is largely used by stake holders for different purposes including financial administration and decisions, quality of such decisions (based on the published financial statements) rests largely on the shoulder of quality of information. The present paper is a detailed analysis of the quality of financial statements generated under ABDESA by the ULBs of Kerala, based on the primary data collected from five Municipal Corporations and 40 Municipalities.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"71 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127403513","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.53-61
Meenakumary S
Advertising is an effective sales promotion technique to bring the products and services to public attention and persuade consumers to purchase them. It is one of the important elements of the promotion mix and the best marketing strategy adopted by marketers to highlight their products and ensure maximum public outreach as it has various media sources such as TV, radio, newspapers, posters and other social networking websites extended towards the public. The quality of advertisement, namely, celebrity endorsements, definitely influences the consumer's buying behaviour and hence plays a vital role in the decision-making process of product purchase. Hence consumer's interests must be protected in relation to these advertisements through proper legislation and Consumer Protection Act, 1986 was enacted by the Parliament to protect, promote and enforce the rights of consumers in case of consumer rights violations and unfair trade practises, and proposed a three-tier redressal mechanism at District, State and National level for speedy disposal of consumer grievances. Later on, this Act was replaced by Consumer Protection Act, 2019 which inserted new provisions for false and misleading advertisements and establishment of Central Authority for effective enforcement of consumer rights. This Article reviews the legal regulation of false and misleading advertisements under the Consumer Protection Act, 2019 and the establishment of a new investigation agency known as Central Consumer Protection Authority (CCPA) for investigating and deciding on matters relating to misleading or deceptive advertisements.
{"title":"Legal Regulation of False and Misleading Advertisements with Special Reference to Consumer Protection Act, 2019","authors":"Meenakumary S","doi":"10.59640/cbr.v14i2.53-61","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.53-61","url":null,"abstract":"Advertising is an effective sales promotion technique to bring the products and services to public attention and persuade consumers to purchase them. It is one of the important elements of the promotion mix and the best marketing strategy adopted by marketers to highlight their products and ensure maximum public outreach as it has various media sources such as TV, radio, newspapers, posters and other social networking websites extended towards the public. The quality of advertisement, namely, celebrity endorsements, definitely influences the consumer's buying behaviour and hence plays a vital role in the decision-making process of product purchase. Hence consumer's interests must be protected in relation to these advertisements through proper legislation and Consumer Protection Act, 1986 was enacted by the Parliament to protect, promote and enforce the rights of consumers in case of consumer rights violations and unfair trade practises, and proposed a three-tier redressal mechanism at District, State and National level for speedy disposal of consumer grievances. Later on, this Act was replaced by Consumer Protection Act, 2019 which inserted new provisions for false and misleading advertisements and establishment of Central Authority for effective enforcement of consumer rights. This Article reviews the legal regulation of false and misleading advertisements under the Consumer Protection Act, 2019 and the establishment of a new investigation agency known as Central Consumer Protection Authority (CCPA) for investigating and deciding on matters relating to misleading or deceptive advertisements.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"65 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114378090","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.87-97
A. R., Devakumar P.S.
The Online Food Delivery Service offered by third-party food delivery companies has played an inevitable role in the growth and revenue of the restaurant food business. Through this service, along with serving foods to dine-in consumers, the restaurants canearn income by delivering foodsto customers at their doorstep. Under this study, the major objectives are to describe the evolution and background of online food delivery service and to examine the chief reasons behind the preference of online food delivery business by restaurants.The study concluded that the restaurants choose online food delivery businesses of third-party food delivery companies as a solution for several problems which they have faced while doing their business. Thereisa reduction in the number of dine-in customers, reduction in revenue and profit, limited seating capacity, lack of popularity, limited marketing space for doing business and the absence of new business opportunities. The study also illustrates major innovations that took place in the space of the food delivery segment, which includes the Restaurant to Consumer Model, Platform to Consumer Model and Full Stack Model of Food Delivery.
{"title":"Online Food Delivery- A Solution for Upsurging Restaurant Business","authors":"A. R., Devakumar P.S.","doi":"10.59640/cbr.v14i2.87-97","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.87-97","url":null,"abstract":"The Online Food Delivery Service offered by third-party food delivery companies has played an inevitable role in the growth and revenue of the restaurant food business. Through this service, along with serving foods to dine-in consumers, the restaurants canearn income by delivering foodsto customers at their doorstep. Under this study, the major objectives are to describe the evolution and background of online food delivery service and to examine the chief reasons behind the preference of online food delivery business by restaurants.The study concluded that the restaurants choose online food delivery businesses of third-party food delivery companies as a solution for several problems which they have faced while doing their business. Thereisa reduction in the number of dine-in customers, reduction in revenue and profit, limited seating capacity, lack of popularity, limited marketing space for doing business and the absence of new business opportunities. The study also illustrates major innovations that took place in the space of the food delivery segment, which includes the Restaurant to Consumer Model, Platform to Consumer Model and Full Stack Model of Food Delivery.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"2012 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114629669","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}
Human resources is the “real wealth creators of the organization.” Human resource management comprises assessing andmanaging the total knowledge, skills, creative abilities, ethics, and talents of the workforce. Fruitful planning, excellent human resource management, business-friendly policies & procedures, and proactive government can bring sustainable success to an organization. Human resource management (HRM) practices include human resource planning, recruitment and selection, training and development, compensation and benefits, performance appraisal system, industrial relations, career planning &development, organizational culture, and commitment &job satisfaction. The present study proposes to evaluate HRMpracticesfollowed in the public sector transport undertaking of Himachal Pradesh, viz., Himachal Road Transport Corporation (HRTC). The study mainly focuses on examining the perceptions of HRTC employees and their satisfaction level towards HRM practices followed in HRTC. Sample consists of 120 respondents of Shimla district of Himachal Pradesh and the judgmental sampling method has been followed. The conclusion drawn from the study is that HRM practices have a major impact on satisfaction level of employees of HRTC.
{"title":"Human Resource Management Practices In Himachal Road Transport Corporation","authors":"Bhanu Bhatia, O. Verma","doi":"10.59640/cbr.v14i2.9-25","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.9-25","url":null,"abstract":"Human resources is the “real wealth creators of the organization.” Human resource management comprises assessing andmanaging the total knowledge, skills, creative abilities, ethics, and talents of the workforce. Fruitful planning, excellent human resource management, business-friendly policies & procedures, and proactive government can bring sustainable success to an organization. Human resource management (HRM) practices include human resource planning, recruitment and selection, training and development, compensation and benefits, performance appraisal system, industrial relations, career planning &development, organizational culture, and commitment &job satisfaction. The present study proposes to evaluate HRMpracticesfollowed in the public sector transport undertaking of Himachal Pradesh, viz., Himachal Road Transport Corporation (HRTC). The study mainly focuses on examining the perceptions of HRTC employees and their satisfaction level towards HRM practices followed in HRTC. Sample consists of 120 respondents of Shimla district of Himachal Pradesh and the judgmental sampling method has been followed. The conclusion drawn from the study is that HRM practices have a major impact on satisfaction level of employees of HRTC.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"114 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123945474","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.45-52
Akhil Menon, Suleena V.S.
The floods that ravaged the state of Kerala caused unparalleled damage to the financial lives of the affected households. In such a scenario, access to credit is seen as the most crucial way to revive their lives. However, the credit markets do not always function in the expected lines. In light of this study, conducted a field survey among the loan officers of various financial institutions in Wayanad, to document the lending standards followed by them during the time of floods. Besides, the perspective from the side of households was also gathered to get an unbiased view of the situation. The data of the study were analysed using the weighted scoring method. It was found that overall demand for credit was higher for financial institutions, and as result, these institutions tightened their lending standards creating hurdles for households.
{"title":"Household Access to Credit in Times of A Natural Disaster – The Case of Kerala Floods","authors":"Akhil Menon, Suleena V.S.","doi":"10.59640/cbr.v14i2.45-52","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.45-52","url":null,"abstract":"The floods that ravaged the state of Kerala caused unparalleled damage to the financial lives of the affected households. In such a scenario, access to credit is seen as the most crucial way to revive their lives. However, the credit markets do not always function in the expected lines. In light of this study, conducted a field survey among the loan officers of various financial institutions in Wayanad, to document the lending standards followed by them during the time of floods. Besides, the perspective from the side of households was also gathered to get an unbiased view of the situation. The data of the study were analysed using the weighted scoring method. It was found that overall demand for credit was higher for financial institutions, and as result, these institutions tightened their lending standards creating hurdles for households.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"101 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115641070","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 rapid changes in the business environment compel organizations to find new strategies for operations. The notion of agility became the most predominant and popular strategy for dealing with an unpredictable environment. Despite the importance of workforce agility, literature has mainly focused on manufacturing and organizational agility, although it stresses requiring an agile workforce. The shortage of study brought limited knowledge and practice in the discipline affects the behaviour of enterprises. This article aims to provide significant research insights by exploring an extensive survey of the available literature on workforce agility. Also,it identifies various workforce agility drivers and organizational practices. It is found that an agile workforce simultaneously possesses multiple interdependent capabilities benefiting organizations operating in highly uncertain environments.
{"title":"Workforce Agility: A Review on Agility Drivers and Organizational Practices","authors":"Muhammed Ali Kt, Chitra Sivasubramanian","doi":"10.59640/cbr.v14i2.1-8","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.1-8","url":null,"abstract":"The rapid changes in the business environment compel organizations to find new strategies for operations. The notion of agility became the most predominant and popular strategy for dealing with an unpredictable environment. Despite the importance of workforce agility, literature has mainly focused on manufacturing and organizational agility, although it stresses requiring an agile workforce. The shortage of study brought limited knowledge and practice in the discipline affects the behaviour of enterprises. This article aims to provide significant research insights by exploring an extensive survey of the available literature on workforce agility. Also,it identifies various workforce agility drivers and organizational practices. It is found that an agile workforce simultaneously possesses multiple interdependent capabilities benefiting organizations operating in highly uncertain environments.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132373037","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 : 2021-12-31DOI: 10.59640/cbr.v14i2.105-116
Amala K.A., A. K
Urban cooperative banks play an essential role in the economic liberation of millions of people in our nation. It has emerged as a social and healthy banking institution providing need-based and quality banking services to the middle class and the marginalised sections of the urban population. Sound financial health is a guarantee to the depositor’s shareholders, employees and the economic system as a whole. In this study, an attempt is made to evaluate the financial performance of UCB using the CAMEL Model. This model mainly measures the bank’s performance from the five parameters: Capital Adequacy, Asset Quality, Management Efficiency, Earning Capacity, and Liquidity. The study is based on secondary data drawn from the annual report. For analysis, data over ten years are used. Statistical tools like average and standard deviation are used. It is found that the bank’s overall performance is satisfied with its asset quality being good. It was in a decent recovery position, but its financial condition in terms of capital adequacy, liquidity, earning rate, and management efficiency metrics was shabby, needing quick intervention.
{"title":"Examining the Financial Efficiency of Urban Co-Operative Banks in Kerala - A CAMEL Model Analysis","authors":"Amala K.A., A. K","doi":"10.59640/cbr.v14i2.105-116","DOIUrl":"https://doi.org/10.59640/cbr.v14i2.105-116","url":null,"abstract":"Urban cooperative banks play an essential role in the economic liberation of millions of people in our nation. It has emerged as a social and healthy banking institution providing need-based and quality banking services to the middle class and the marginalised sections of the urban population. Sound financial health is a guarantee to the depositor’s shareholders, employees and the economic system as a whole. In this study, an attempt is made to evaluate the financial performance of UCB using the CAMEL Model. This model mainly measures the bank’s performance from the five parameters: Capital Adequacy, Asset Quality, Management Efficiency, Earning Capacity, and Liquidity. The study is based on secondary data drawn from the annual report. For analysis, data over ten years are used. Statistical tools like average and standard deviation are used. It is found that the bank’s overall performance is satisfied with its asset quality being good. It was in a decent recovery position, but its financial condition in terms of capital adequacy, liquidity, earning rate, and management efficiency metrics was shabby, needing quick intervention.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130490473","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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