Household saving and investment are some of the major factors for supplying capital in the economy. As investment habits of households depend upon their awareness about different available investment avenues, it is necessary to know their awareness level. The present study is an attempt to analyse the awareness level of people in Himachal Pradesh about various investment avenues on the basis of their demographic profile. The research was conducted by using a structured questionnaire from 540 sample respondents on the basis of multi stage sampling. The collected data was analysed with the help of different statistical tools like, mean, standard deviation, skewness, and chi square. The findings of the study reveal thatpeople are highly aware about Bank Deposit schemes followed by Life Insurance Schemes, Post Office Saving Schemes, Provident Funds and Gold & Jewellery whereas, very less people are aware about Derivatives, Share Market and Mutual Funds.
{"title":"Impact of Demographic Variables on Investment Awareness Level Among People in Himachal Pradesh","authors":"G. Rani, Narta S S","doi":"10.59640/cbr.v14i1.1-13","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.1-13","url":null,"abstract":"Household saving and investment are some of the major factors for supplying capital in the economy. As investment habits of households depend upon their awareness about different available investment avenues, it is necessary to know their awareness level. The present study is an attempt to analyse the awareness level of people in Himachal Pradesh about various investment avenues on the basis of their demographic profile. The research was conducted by using a structured questionnaire from 540 sample respondents on the basis of multi stage sampling. The collected data was analysed with the help of different statistical tools like, mean, standard deviation, skewness, and chi square. The findings of the study reveal thatpeople are highly aware about Bank Deposit schemes followed by Life Insurance Schemes, Post Office Saving Schemes, Provident Funds and Gold & Jewellery whereas, very less people are aware about Derivatives, Share Market and Mutual Funds.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122243397","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 : 2021-06-30DOI: 10.59640/cbr.v14i1.15-24
Vinod G, B. T.
Risk and uncertainty are incidental to life. These risk and uncertainties are increasing day by day due to increase in fastness in life. To provide against risk and insecurity of human life, insurance came into being. The main underlying principle of insurance is the pooling of risks. Health insurance is bought to cover medical costs for expensive treatments. It is a running fact that the premium on health insurance schemes is too expensive and unaffordable to an average human being. In this regard government responsibility to ensure the health security and health insurance to the financially unsecured becomes a crying need of the hour. To address the mentioned issue, Rashtriya Swasthya Bima Yojana (RSBY), a health insurance scheme for Below Poverty Line (BPL) families has been launched by the Ministry of Labour and Employment, Government of India. Literature shows that the benefit of the scheme is largely confined to rural India than urban. Further it raises the need to reach out to the poorest and the most vulnerable sections of the society, and make available affordable health care to them. Studies further reveals the fact that almost 50 percent of BPL households were found to be poor and only 30 percent of them were aware of RSBY. Lower awareness level and poor penetration are found to be the major hurdles. The beneficiaries of the scheme experience delays of several months to avail the smart cards; poor knowledge of how and where to utilize the scheme; hospitals not trained to use card-reading technology; and month-long delays and arbitrary caps in the reimbursement of treatment expenses to hospitals. Being this as the fact it would be meaningful to see the awareness of people of Kerala about the scheme, the rate of enrollment, the difficulties in enrollment and their real experience as the beneficiaries of the scheme
{"title":"A Study on the Working of Rashtriya Swasthya Bima Yojana (RSBY)","authors":"Vinod G, B. T.","doi":"10.59640/cbr.v14i1.15-24","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.15-24","url":null,"abstract":"Risk and uncertainty are incidental to life. These risk and uncertainties are increasing day by day due to increase in fastness in life. To provide against risk and insecurity of human life, insurance came into being. The main underlying principle of insurance is the pooling of risks. Health insurance is bought to cover medical costs for expensive treatments. It is a running fact that the premium on health insurance schemes is too expensive and unaffordable to an average human being. In this regard government responsibility to ensure the health security and health insurance to the financially unsecured becomes a crying need of the hour. To address the mentioned issue, Rashtriya Swasthya Bima Yojana (RSBY), a health insurance scheme for Below Poverty Line (BPL) families has been launched by the Ministry of Labour and Employment, Government of India. Literature shows that the benefit of the scheme is largely confined to rural India than urban. Further it raises the need to reach out to the poorest and the most vulnerable sections of the society, and make available affordable health care to them. Studies further reveals the fact that almost 50 percent of BPL households were found to be poor and only 30 percent of them were aware of RSBY. Lower awareness level and poor penetration are found to be the major hurdles. The beneficiaries of the scheme experience delays of several months to avail the smart cards; poor knowledge of how and where to utilize the scheme; hospitals not trained to use card-reading technology; and month-long delays and arbitrary caps in the reimbursement of treatment expenses to hospitals. Being this as the fact it would be meaningful to see the awareness of people of Kerala about the scheme, the rate of enrollment, the difficulties in enrollment and their real experience as the beneficiaries of the scheme","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125873294","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 : 2021-06-30DOI: 10.59640/cbr.v14i1.123-129
A. S, M. G
The yield from marine capture fisheries is showing a declining trend year after year. Therefore, the Inland fisheries have to play an important role in providing rich food for poor people. The expansion of inland fish production will depend upon many factors like development of necessary infrastructure and marketing facilities and easy availability of required inputs. But the most important factor is the need for a system of information transfer from the research and development centres to the farming households. A gap exists between the plans and projects of concerned authorities and the implementation of these by the farmers in the production and marketing practices. This problem can be solved to a great extent, by arranging training programmes to the farmers. But the studies for measuring the effectiveness of training programmes are very few in number. Here, this study propose to analyse the effectiveness of training programmes in the adoption of production and marketing practices of fresh water and brackish water farmers in Kerala. The results of the study reveals that effectiveness of training programmes is more in brackishwater farmers and recommends to the authorities that special efforts should be taken to strengthen its effectiveness in fresh water farming.
{"title":"A Study on the Effectiveness of Training Programmes in the Promotion of Inland Fisheries in Kerala","authors":"A. S, M. G","doi":"10.59640/cbr.v14i1.123-129","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.123-129","url":null,"abstract":"The yield from marine capture fisheries is showing a declining trend year after year. Therefore, the Inland fisheries have to play an important role in providing rich food for poor people. The expansion of inland fish production will depend upon many factors like development of necessary infrastructure and marketing facilities and easy availability of required inputs. But the most important factor is the need for a system of information transfer from the research and development centres to the farming households. A gap exists between the plans and projects of concerned authorities and the implementation of these by the farmers in the production and marketing practices. This problem can be solved to a great extent, by arranging training programmes to the farmers. But the studies for measuring the effectiveness of training programmes are very few in number. Here, this study propose to analyse the effectiveness of training programmes in the adoption of production and marketing practices of fresh water and brackish water farmers in Kerala. The results of the study reveals that effectiveness of training programmes is more in brackishwater farmers and recommends to the authorities that special efforts should be taken to strengthen its effectiveness in fresh water farming.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"127 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117354470","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 : 2021-06-30DOI: 10.59640/cbr.v14i1.54-68
J. J, V. Joseph James, Sangeetha Vincent
All organisations whether profit oriented or not need funds either borrowed or owned for investing in its operating assets on a regular basis. Borrowed funds attracts the periodical interest payments and also includes other costs like discounts, finance charges, ancillary costs etc. Proper accounting of such borrowing cost is equally applicable both for the corporate and non-corporate entities in order to report true and fair state of affairs of the business. In this regard, the Accounting Standard – 16 “Borrowing Costs” specifies the criteria for Recognition and Measurement, Presentation and Disclosure of borrowing costs incurred by an entity on its qualifying assets. How far this Accounting Standard is adhered, particularly by the noncorporate entities is a million-dollar question. The present study intends to analyse the treatment of borrowing costs incurred by the non-corporate entities on the qualifying assets. For a deeper analysis of the issue, an enquiry on 30 non-corporate entities was made and analysed the results thereof. The study revealed some interesting facts regarding the issue. Non adherence of AS - 16 among non-corporate entities is evident from the study.
{"title":"Adherence of AS-16 Borrowing Costs by Non- Corporate Entities; A Descendant Note","authors":"J. J, V. Joseph James, Sangeetha Vincent","doi":"10.59640/cbr.v14i1.54-68","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.54-68","url":null,"abstract":"All organisations whether profit oriented or not need funds either borrowed or owned for investing in its operating assets on a regular basis. Borrowed funds attracts the periodical interest payments and also includes other costs like discounts, finance charges, ancillary costs etc. Proper accounting of such borrowing cost is equally applicable both for the corporate and non-corporate entities in order to report true and fair state of affairs of the business. In this regard, the Accounting Standard – 16 “Borrowing Costs” specifies the criteria for Recognition and Measurement, Presentation and Disclosure of borrowing costs incurred by an entity on its qualifying assets. How far this Accounting Standard is adhered, particularly by the noncorporate entities is a million-dollar question. The present study intends to analyse the treatment of borrowing costs incurred by the non-corporate entities on the qualifying assets. For a deeper analysis of the issue, an enquiry on 30 non-corporate entities was made and analysed the results thereof. The study revealed some interesting facts regarding the issue. Non adherence of AS - 16 among non-corporate entities is evident from the study.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126554159","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 : 2021-06-30DOI: 10.59640/cbr.v14i1.105-112
B. S K
Organic is the order of the day. Consumers show high inclination towards organic food products now a days. In this scenario, a study to analyse the level of influence of factors affecting the buying decisions of organic food products seems to be vital. This study is aimed at identifying and analysing the influence of various factors on the purchase intention of consumers towards organic food products. This research empirically examined the determinants influencing consumers of organic food products by analysing the selection of 100 buyers from Kerala, which is the most literate state of India. Findings of the study reveal that better quality of products that provide the comprehensive wholesomeness and premium price are the most influencing determinants for purchasing organic food products.
{"title":"Organic Food Products: Determinants Influencing Buying Behaviour","authors":"B. S K","doi":"10.59640/cbr.v14i1.105-112","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.105-112","url":null,"abstract":"Organic is the order of the day. Consumers show high inclination towards organic food products now a days. In this scenario, a study to analyse the level of influence of factors affecting the buying decisions of organic food products seems to be vital. This study is aimed at identifying and analysing the influence of various factors on the purchase intention of consumers towards organic food products. This research empirically examined the determinants influencing consumers of organic food products by analysing the selection of 100 buyers from Kerala, which is the most literate state of India. Findings of the study reveal that better quality of products that provide the comprehensive wholesomeness and premium price are the most influencing determinants for purchasing organic food products.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"114 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126307875","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 : 2021-06-30DOI: 10.59640/cbr.v14i1.95-104
Moneyveena V.R
Human beings possess human rights, fundamental rights, statutory rights and natural rights. Property may be tangible, intangible, movable, immovable etc. Properties like house, land, jewellery, utensils etc can be seen and we can store movable properties somewhere safe. Some properties or rights human beings are entitled to, which cannot be seen or kept in safe places and these properties are the creation of human mind known as intellectual property. For the overall development of a nation, granting of intellectual property rights (IPR) is inevitable. But IPRs are being subjected to various criticisms like it is against human rights, equality, human dignity, ethics, competition law etc. This paper is an attempt to analyse the different IPRs, legislative frameworks, criticisms levelled against IPRs and also some suggestions for the proper balancing of IPRs and rights of the society. The work is completed using various text books on IPR, web sites, cases of various courts, international documents and statutes. The outcome expected is to create awareness and a clear knowledge about the various IPRs, the rights of IPR holders, remedies for infringement of rights etc.
{"title":"Jurisprudential Exposition of Intellectual Property Rights","authors":"Moneyveena V.R","doi":"10.59640/cbr.v14i1.95-104","DOIUrl":"https://doi.org/10.59640/cbr.v14i1.95-104","url":null,"abstract":"Human beings possess human rights, fundamental rights, statutory rights and natural rights. Property may be tangible, intangible, movable, immovable etc. Properties like house, land, jewellery, utensils etc can be seen and we can store movable properties somewhere safe. Some properties or rights human beings are entitled to, which cannot be seen or kept in safe places and these properties are the creation of human mind known as intellectual property. For the overall development of a nation, granting of intellectual property rights (IPR) is inevitable. But IPRs are being subjected to various criticisms like it is against human rights, equality, human dignity, ethics, competition law etc. This paper is an attempt to analyse the different IPRs, legislative frameworks, criticisms levelled against IPRs and also some suggestions for the proper balancing of IPRs and rights of the society. The work is completed using various text books on IPR, web sites, cases of various courts, international documents and statutes. The outcome expected is to create awareness and a clear knowledge about the various IPRs, the rights of IPR holders, remedies for infringement of rights etc.","PeriodicalId":426677,"journal":{"name":"Commerce & Business Researcher","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116995880","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：