Pub Date : 2018-04-07DOI: 10.31150/AJEBM.VOL1.ISS2.21
M. Kaur, Dr.Kamalpreet Kaur
The study emphasizes on the identification of factors, which may have influenced the banks to adopt credit cards along with their traditional banking services. Bank specific variables were investigated to deepen the understanding on the diffusion and adoption of credit cards. The data relating to sampled banks’ characteristics have been collected from database of Reserve Bank of India. To know about the status of the bank regarding its adoption of credit card, the websites and annual reports of the banks were explored during different intervals of time period of the study. The study considers the dependent variable i.e. adoption of credit cards as dichotomous variable, whether or not a bank renders the credit card services, denoting 1 if the bank has adopted credit card otherwise 0. The logistic regression has thus been applied to get the valid and reliable results. The empirical findings reveal that, size, non-interest income, non performing assets, profitability, age and market share of the bank are the variables which have contributed significantly in the diffusion and adoption of credit cards.
{"title":"Diffusion and adoption of credit cards in Indian banking sector","authors":"M. Kaur, Dr.Kamalpreet Kaur","doi":"10.31150/AJEBM.VOL1.ISS2.21","DOIUrl":"https://doi.org/10.31150/AJEBM.VOL1.ISS2.21","url":null,"abstract":"The study emphasizes on the identification of factors, which may have influenced the banks to adopt credit cards along with their traditional banking services. Bank specific variables were investigated to deepen the understanding on the diffusion and adoption of credit cards. The data relating to sampled banks’ characteristics have been collected from database of Reserve Bank of India. To know about the status of the bank regarding its adoption of credit card, the websites and annual reports of the banks were explored during different intervals of time period of the study. The study considers the dependent variable i.e. adoption of credit cards as dichotomous variable, whether or not a bank renders the credit card services, denoting 1 if the bank has adopted credit card otherwise 0. The logistic regression has thus been applied to get the valid and reliable results. The empirical findings reveal that, size, non-interest income, non performing assets, profitability, age and market share of the bank are the variables which have contributed significantly in the diffusion and adoption of credit cards.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-04-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131024764","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 : 2017-06-01DOI: 10.5958/2319-1422.2018.00009.7
Sandeep Deshmukh, R. Jadhao
“If a child, a life partner, or a parent depends on you and your income, you need life insurance.”
“如果孩子、生活伴侣或父母依赖于你和你的收入，你就需要人寿保险。”
{"title":"“Customers perception for taking life insurance: A critical analysis of life insurance sector in Nagpur”","authors":"Sandeep Deshmukh, R. Jadhao","doi":"10.5958/2319-1422.2018.00009.7","DOIUrl":"https://doi.org/10.5958/2319-1422.2018.00009.7","url":null,"abstract":"“If a child, a life partner, or a parent depends on you and your income, you need life insurance.”","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"69 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122027456","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 : 2015-01-06DOI: 10.5958/2319-1422.2019.00017.1
R. Ahmad, Abuzar Nomani
Mutual Funds have become a widely popular and effective way for investors to participate in financial markets in an easy, low-cost fashion, while muting risk characteristics by spreading the investment across different types of securities, also known as diversification. It can play a central role in an individual's investment strategy. With the plethora of schemes available in the Indian markets, an investors needs to evaluate and consider various factors before making an investment decision. The present investigation is aimed to examine the performance of safest investment instrument in the security market in the eyes of investors. Five mutual fund large cap scheme have been selected for this purpose. The examination is achieved by assessing various financial tests like Sharpe Ratio, Standard Deviation, Alpha, and Beta. Furthermore, in-depth analysis also has been done by considering return over the period of last five years on various basis, expenses ratio, corpus-size etc. The data has been taken from various websites of mutual fund schemes and from www.valueresearch.com. The study will be helpful for the researchers and financial analysts to analyze various securities or funds while selecting the best investment alternative out of the galaxy of investment alternatives.
{"title":"Comparative Analysis of Risk, Return and Diversification of Mutual Fund","authors":"R. Ahmad, Abuzar Nomani","doi":"10.5958/2319-1422.2019.00017.1","DOIUrl":"https://doi.org/10.5958/2319-1422.2019.00017.1","url":null,"abstract":"Mutual Funds have become a widely popular and effective way for investors to participate in financial markets in an easy, low-cost fashion, while muting risk characteristics by spreading the investment across different types of securities, also known as diversification. It can play a central role in an individual's investment strategy. With the plethora of schemes available in the Indian markets, an investors needs to evaluate and consider various factors before making an investment decision. The present investigation is aimed to examine the performance of safest investment instrument in the security market in the eyes of investors. Five mutual fund large cap scheme have been selected for this purpose. The examination is achieved by assessing various financial tests like Sharpe Ratio, Standard Deviation, Alpha, and Beta. Furthermore, in-depth analysis also has been done by considering return over the period of last five years on various basis, expenses ratio, corpus-size etc. The data has been taken from various websites of mutual fund schemes and from www.valueresearch.com. The study will be helpful for the researchers and financial analysts to analyze various securities or funds while selecting the best investment alternative out of the galaxy of investment alternatives.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"220 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-01-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127524583","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 : 1900-01-01DOI: 10.5958/2319-1422.2017.00010.8
T. Azad
{"title":"Stress management in the field of banking sector: A review of the literature","authors":"T. Azad","doi":"10.5958/2319-1422.2017.00010.8","DOIUrl":"https://doi.org/10.5958/2319-1422.2017.00010.8","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117115298","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 : 1900-01-01DOI: 10.5958/2319-1422.2019.00015.8
Himanshu D. Tiwari, Saurabh Wagare, Ankita Rathi
{"title":"Impact of Innovations on Indian Banking Sector","authors":"Himanshu D. Tiwari, Saurabh Wagare, Ankita Rathi","doi":"10.5958/2319-1422.2019.00015.8","DOIUrl":"https://doi.org/10.5958/2319-1422.2019.00015.8","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125322390","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 : 1900-01-01DOI: 10.5958/2319-1422.2016.00004.7
Megha Sanadhya, Himanshu Mehta
Present tourism bears the function of intercultural bridge and along with this it performs its contribution to the humanitarian development of society. To meet the needs and demands of mankind when happened natural disasters especially because of social cataclysm after population increase, to render people not only for their budget but also for being human is the question put as a target in front of this social tourism much more. The conceptual development of hotel industry with the major analyses underlined as a vital feature of the paper, which is considered as one of the developed countries of the world and other deals related to this have been considered in this article.
{"title":"Progress of urban co-operative banks in Hadoti region of Rajasthan","authors":"Megha Sanadhya, Himanshu Mehta","doi":"10.5958/2319-1422.2016.00004.7","DOIUrl":"https://doi.org/10.5958/2319-1422.2016.00004.7","url":null,"abstract":"Present tourism bears the function of intercultural bridge and along with this it performs its contribution to the humanitarian development of society. To meet the needs and demands of mankind when happened natural disasters especially because of social cataclysm after population increase, to render people not only for their budget but also for being human is the question put as a target in front of this social tourism much more. The conceptual development of hotel industry with the major analyses underlined as a vital feature of the paper, which is considered as one of the developed countries of the world and other deals related to this have been considered in this article.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122489030","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 : 1900-01-01DOI: 10.5958/2319-1422.2021.00019.9
H. O. Khushvaqtov
{"title":"On the process of developing Mirzacho","authors":"H. O. Khushvaqtov","doi":"10.5958/2319-1422.2021.00019.9","DOIUrl":"https://doi.org/10.5958/2319-1422.2021.00019.9","url":null,"abstract":"","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"19 3","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114036676","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 : 1900-01-01DOI: 10.5958/2319-1422.2016.00005.9
S. Kaur
“If you are planning for a year, sow seeds; if you are planning for a decade, plant trees; if you are planning for a lifetime, develop men.”
“如果你计划一年，播种;如果你计划十年，那就种树;如果你要规划一生，那就发展男人。”
{"title":"Quality of work life in united India Insurance Company: Perception of class I employees","authors":"S. Kaur","doi":"10.5958/2319-1422.2016.00005.9","DOIUrl":"https://doi.org/10.5958/2319-1422.2016.00005.9","url":null,"abstract":"“If you are planning for a year, sow seeds; if you are planning for a decade, plant trees; if you are planning for a lifetime, develop men.”","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"69 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129170258","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 : 1900-01-01DOI: 10.5958/2319-1422.2016.00008.4
Umidjon Akhunjonov, Bekmurodova Go’zal Adhamovna
This paper served as the basis for a discussion on the financial crisis in the OECD Competition Committee on 17-18 February 2009. It is published under the responsibility of the Secretary General of the OECD and does not necessarily represent the views of the Competition Committee or any Member Country.
{"title":"Competition and financial crisis","authors":"Umidjon Akhunjonov, Bekmurodova Go’zal Adhamovna","doi":"10.5958/2319-1422.2016.00008.4","DOIUrl":"https://doi.org/10.5958/2319-1422.2016.00008.4","url":null,"abstract":"This paper served as the basis for a discussion on the financial crisis in the OECD Competition Committee on 17-18 February 2009. It is published under the responsibility of the Secretary General of the OECD and does not necessarily represent the views of the Competition Committee or any Member Country.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121352226","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 : 1900-01-01DOI: 10.5958/2319-1422.2017.00020.0
S. M. Tahir, Amin Yari, Abdulhamid Tahir Hamid
This Research report includes a development presentation of an Employee system for managing the staff data within a small company or organization. The work addresses limitations identified with manual method of handling records of employees in a firm by providing a better platform to eliminate fraud, corruption, file hiding and misplacement, records falsification, duplication, fragmentation, inconsistencies and other vices attendant with manual method of handling employee records. Employee management system software is a user friendly package that gives one the fit to accurately monitor employees’ records effortless. it consists of functionally related application program and database, The choice of the programming tools is individual the goal of this Research was to design and develop an employee management system this system was developed to fill existing gaps in the electronic management of employees. This software is designed for stand-alone windows environment, but has the ability to be networked. The interface is PHP with the structured query language (SQL). The implementation of the system will provide speedy retrieval of data as well as enhancing effective and efficient data.
{"title":"Design and implementation of employee management system software (A case study of Eco Bank of Nigeria Bauchi Branch Bauchi State)","authors":"S. M. Tahir, Amin Yari, Abdulhamid Tahir Hamid","doi":"10.5958/2319-1422.2017.00020.0","DOIUrl":"https://doi.org/10.5958/2319-1422.2017.00020.0","url":null,"abstract":"This Research report includes a development presentation of an Employee system for managing the staff data within a small company or organization. The work addresses limitations identified with manual method of handling records of employees in a firm by providing a better platform to eliminate fraud, corruption, file hiding and misplacement, records falsification, duplication, fragmentation, inconsistencies and other vices attendant with manual method of handling employee records. Employee management system software is a user friendly package that gives one the fit to accurately monitor employees’ records effortless. it consists of functionally related application program and database, The choice of the programming tools is individual the goal of this Research was to design and develop an employee management system this system was developed to fill existing gaps in the electronic management of employees. This software is designed for stand-alone windows environment, but has the ability to be networked. The interface is PHP with the structured query language (SQL). The implementation of the system will provide speedy retrieval of data as well as enhancing effective and efficient data.","PeriodicalId":436614,"journal":{"name":"SAARJ Journal on Banking & Insurance Research","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124477459","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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