Pub Date : 2024-03-20DOI: 10.48001/jbmis.2024.si1007
Deepa V, Vasanthakumari P
It’s been decades after implementing the 73rd Amendment to the Indian Constitution. The capacity-building measures taken by the Government aim to develop the Elected Women Representatives at the Panchayat level to lift them to societal needs and to adapt themselves to the forefront leaving behind all the difficulties they faced in the past which will make them completely competent to be a leader. Local Governance had remarkable progress after the inclusion of women into the mainstream of politics. Here, attempts are made to analyze the socio-economic and political profile of the Elected Women Representatives and the problems faced by the elected women representatives at the individual level and institutional levels in the Palakkad district of Kerala.
{"title":"Problems and Prospects of Elected Women Representatives at Grass Root Level in Kerala with Special Reference to Palakkad District","authors":"Deepa V, Vasanthakumari P","doi":"10.48001/jbmis.2024.si1007","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1007","url":null,"abstract":"It’s been decades after implementing the 73rd Amendment to the Indian Constitution. The capacity-building measures taken by the Government aim to develop the Elected Women Representatives at the Panchayat level to lift them to societal needs and to adapt themselves to the forefront leaving behind all the difficulties they faced in the past which will make them completely competent to be a leader. Local Governance had remarkable progress after the inclusion of women into the mainstream of politics. Here, attempts are made to analyze the socio-economic and political profile of the Elected Women Representatives and the problems faced by the elected women representatives at the individual level and institutional levels in the Palakkad district of Kerala.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":" 47","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140388616","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 : 2024-03-20DOI: 10.48001/jbmis.2024.si1011
Parvathi P C, Deepa Paul
There was a paradigm shift in global demand for health insurance during last decade. However, penetration in India is still far behind global average and Kerala, is not an exception. Understanding perception of people and factors driving their intention to purchase hence is of prime importance. With this objective, this study investigates the determinants of health insurance purchase intention among prospective buyers in Thrissur district. The study is based on primary data collected from middle income group private sector employees in urban areas of district who are not yet taken individual health insurance policy. This work focuses on middle income group respondents since there exist potential for expansion of insurance services in this stratum. Empirical analysis done using multiple regression revealed delicate, yet significant relationship between Perceived risk, awareness, cost, and intention to purchase.
{"title":"Factors Affecting Intention to Purchase Private Health Insurance: A Study with Reference to Middle Income Group in Thrissur District","authors":"Parvathi P C, Deepa Paul","doi":"10.48001/jbmis.2024.si1011","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1011","url":null,"abstract":"There was a paradigm shift in global demand for health insurance during last decade. However, penetration in India is still far behind global average and Kerala, is not an exception. Understanding perception of people and factors driving their intention to purchase hence is of prime importance. With this objective, this study investigates the determinants of health insurance purchase intention among prospective buyers in Thrissur district. The study is based on primary data collected from middle income group private sector employees in urban areas of district who are not yet taken individual health insurance policy. This work focuses on middle income group respondents since there exist potential for expansion of insurance services in this stratum. Empirical analysis done using multiple regression revealed delicate, yet significant relationship between Perceived risk, awareness, cost, and intention to purchase.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":" 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140389147","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 : 2024-03-17DOI: 10.48001/jbmis.2024.si1003
Anil Pv, Melby George
India Post, over its life, adapted and changed in response to various factors. However, the most recent changes are posing a serious threat to disrupt the stability of the organization. These changes stem from three primary drivers: technological advancements, heightened competition—particularly from international competitors and societal shifts in consumption habits across urban and rural India as incomes increase and online retail expands. In response to this threat, the organization has utilized its resources to introduce new products aligned with customer preferences, branching into diverse industries and product categories. Initiatives such as logistics services in partnership with Indian railways, retail offerings like bill collection and facilitating college applications, and the establishment of a financial arm named "Payment Bank" signify the organization's transformation from solely providing postal-related services to a multifaceted service provider. However, there's a question regarding the success of these product diversifications and whether they align with the organization's existing capabilities and potential to develop new strengths, notably in the case of the payment bank. So, the present study examines the performance of India Post Payment bank in the last five years.
{"title":"India Post Payment Bank: Milestone Behind the Resurgence of India Post","authors":"Anil Pv, Melby George","doi":"10.48001/jbmis.2024.si1003","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1003","url":null,"abstract":"India Post, over its life, adapted and changed in response to various factors. However, the most recent changes are posing a serious threat to disrupt the stability of the organization. These changes stem from three primary drivers: technological advancements, heightened competition—particularly from international competitors and societal shifts in consumption habits across urban and rural India as incomes increase and online retail expands. In response to this threat, the organization has utilized its resources to introduce new products aligned with customer preferences, branching into diverse industries and product categories. Initiatives such as logistics services in partnership with Indian railways, retail offerings like bill collection and facilitating college applications, and the establishment of a financial arm named \"Payment Bank\" signify the organization's transformation from solely providing postal-related services to a multifaceted service provider. However, there's a question regarding the success of these product diversifications and whether they align with the organization's existing capabilities and potential to develop new strengths, notably in the case of the payment bank. So, the present study examines the performance of India Post Payment bank in the last five years.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":" 34","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140390889","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 : 2024-03-17DOI: 10.48001/jbmis.2024.si1004
Rajeswary K, Preema Rose Nichlavose
This study investigates the multifaceted impact of resource management, man management, and record management training within the context of basic training on Sub Inspectors' role performance in police station management in Kerala. The research involves gathering data from fifty-three Sub-Inspectors of the Kerala Police and employs a quantitative methodology. Results indicate a significant positive correlation between the incorporation of station house management training and the observed improvements in Sub-Inspectors' performance attributes. The training interventions were found to foster a proactive approach to problem-solving, high victim satisfaction levels, and improved community relations. Their capacity for situation analysis and rapid retrieval of critical information was notably improved, contributing to sound judgment and decision-making in complex scenarios. The findings emphasize the pivotal role of training in enhancing the effectiveness of Sub-Inspectors of police in their respective roles
{"title":"Training Effects on Sub Inspector Performance in Police Station Management","authors":"Rajeswary K, Preema Rose Nichlavose","doi":"10.48001/jbmis.2024.si1004","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1004","url":null,"abstract":"This study investigates the multifaceted impact of resource management, man management, and record management training within the context of basic training on Sub Inspectors' role performance in police station management in Kerala. The research involves gathering data from fifty-three Sub-Inspectors of the Kerala Police and employs a quantitative methodology. Results indicate a significant positive correlation between the incorporation of station house management training and the observed improvements in Sub-Inspectors' performance attributes. The training interventions were found to foster a proactive approach to problem-solving, high victim satisfaction levels, and improved community relations. Their capacity for situation analysis and rapid retrieval of critical information was notably improved, contributing to sound judgment and decision-making in complex scenarios. The findings emphasize the pivotal role of training in enhancing the effectiveness of Sub-Inspectors of police in their respective roles","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":" 21","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140391169","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 : 2024-03-10DOI: 10.48001/jbmis.2024.si1001
Rekha Menon, P. Vasanthakumari
Geographical indications refer to a collective Intellectual property right conferred upon products that draw unique quality on account of the environmental or human skills unique to that place. In Kerala, there are 38 registered Geographical indications. Geographical indications are often viewed as a marketing tool that supports producers and consumers. The producers can use GIs as a product differentiation tool that helps them gain a competitive advantage. Whereas for consumers GIs act as a tool that helps them overcome information asymmetry and therefore choose genuine products. The present study is done to identify the factors determining the purchase intention of customers towards handloom textiles having geographical indications. The sample for the present study is drawn from the customers of Kuthampully Textiles, a geographical indication registered in Kerala. The data collected were analyzed using factor analysis and logistic regression. The factor analysis was done to identify the main factors affecting the purchase intention of GI-tagged textiles and the logistic regression was applied to determine factor interactions.
{"title":"Purchase Intention of Customers towards Handloom Textiles with Geographical Indications","authors":"Rekha Menon, P. Vasanthakumari","doi":"10.48001/jbmis.2024.si1001","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1001","url":null,"abstract":"Geographical indications refer to a collective Intellectual property right conferred upon products that draw unique quality on account of the environmental or human skills unique to that place. In Kerala, there are 38 registered Geographical indications. Geographical indications are often viewed as a marketing tool that supports producers and consumers. The producers can use GIs as a product differentiation tool that helps them gain a competitive advantage. Whereas for consumers GIs act as a tool that helps them overcome information asymmetry and therefore choose genuine products. The present study is done to identify the factors determining the purchase intention of customers towards handloom textiles having geographical indications. The sample for the present study is drawn from the customers of Kuthampully Textiles, a geographical indication registered in Kerala. The data collected were analyzed using factor analysis and logistic regression. The factor analysis was done to identify the main factors affecting the purchase intention of GI-tagged textiles and the logistic regression was applied to determine factor interactions.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"18 9","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140396448","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 : 2024-03-10DOI: 10.48001/jbmis.2024.si1002
P. A P, Ralimol M R, G. S
The experiences and challenges the Kerala youth diaspora face are poorly understood. While there is some research on migration and diaspora in Kerala, there is a need for more focused research on the experiences of young people in the diaspora. The Kerala youth diaspora also faces challenges, such as adapting to new cultures, dealing with discrimination, and maintaining their cultural identity. Many young Keralite struggles to balance their traditional values with the demands of a new environment, which can cause stress and anxiety. This research paper aims to address this gap by exploring the experiences of the Kerala youth diaspora and how they contribute to the development of Kerala and to examine the experiences of the Kerala youth diaspora and identify ways to support and engage with them. By engaging with the diaspora and understanding their experiences, this research paper can contribute to creating policies and programs that better meet their needs and support their engagement with Kerala. This can lead to a more inclusive and sustainable approach to development that leverages the potential of the Kerala youth diaspora and other diaspora communities.
{"title":"A Qualitative Study on Kerala Youth Diaspora","authors":"P. A P, Ralimol M R, G. S","doi":"10.48001/jbmis.2024.si1002","DOIUrl":"https://doi.org/10.48001/jbmis.2024.si1002","url":null,"abstract":"The experiences and challenges the Kerala youth diaspora face are poorly understood. While there is some research on migration and diaspora in Kerala, there is a need for more focused research on the experiences of young people in the diaspora. The Kerala youth diaspora also faces challenges, such as adapting to new cultures, dealing with discrimination, and maintaining their cultural identity. Many young Keralite struggles to balance their traditional values with the demands of a new environment, which can cause stress and anxiety. This research paper aims to address this gap by exploring the experiences of the Kerala youth diaspora and how they contribute to the development of Kerala and to examine the experiences of the Kerala youth diaspora and identify ways to support and engage with them. By engaging with the diaspora and understanding their experiences, this research paper can contribute to creating policies and programs that better meet their needs and support their engagement with Kerala. This can lead to a more inclusive and sustainable approach to development that leverages the potential of the Kerala youth diaspora and other diaspora communities.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"19 23","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-03-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140396437","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 : 2023-08-30DOI: 10.48001/jbmis.2023.1002002
Urmila Bharti, Rajanikant Verma
Indian banking and financial system work as a catalyst to this growth trajectory. To strengthen the micro business segment, a feather has been added under the aegis of GOI in the year 2015 to the formal lending system in the form of MUDRA. It has been a milepost accomplishment in the financial inclusion panorama. Through this system, the endeavour is to bring all the sectors into mainstream and to make financial services available to all the sectors. MUDRA provides different categories and sub-categories of formal loans at a low rate of interest according to the needs and requirements of startups and other micro enterprise units. MUDRA loans have been instrumental in providing financial support to individuals from various social groups, promoting inclusivity and empowerment. It addresses the lack of access to formal credit for individuals from different social groups, who often face difficulties in obtaining loans from traditional banking institutions due to various reasons such as lack of collateral, low income, or limited credit history. It offers customized loan products designed to cater to the specific needs and requirements of small and micro enterprises. MUDRA Credit is accompanied by various support mechanisms such as capacity building, skill development, and business mentoring. These initiatives help borrowers enhance their entrepreneurial skills, manage their businesses effectively, and improve their chances of success. It is important to note that MUDRA loans are not limited to any specific social group. They are available to individuals from all social groups who meet the eligibility criteria. The loans have been designed to cater to the diverse needs and aspirations of entrepreneurs across different social backgrounds, facilitating their access to formal credit and promoting entrepreneurship at the grassroots level. The present study utilizes the secondary data including government reports, surveys, and scholarly articles, and case studies, to provide an in-depth understanding of the sub-categories within the Mudra Yojana framework to assess the effectiveness and inclusivity of the Mudra Yojana in reaching marginalized communities. The study period is six years from 2016-17 to 2021-22. The Shishu category recorded the highest number of accounts i.e., 26,70,67,119 along with highest loan disbursement of Rs. 7,31,706.97 among all the categories. The study shows continuous growth among all the sub-categories (except in OBC in Shishu Loans) in all the Mudra Loans Schemes.
{"title":"Mudra Loan Disbursement Among Different Social Groups","authors":"Urmila Bharti, Rajanikant Verma","doi":"10.48001/jbmis.2023.1002002","DOIUrl":"https://doi.org/10.48001/jbmis.2023.1002002","url":null,"abstract":"Indian banking and financial system work as a catalyst to this growth trajectory. To strengthen the micro business segment, a feather has been added under the aegis of GOI in the year 2015 to the formal lending system in the form of MUDRA. It has been a milepost accomplishment in the financial inclusion panorama. Through this system, the endeavour is to bring all the sectors into mainstream and to make financial services available to all the sectors. MUDRA provides different categories and sub-categories of formal loans at a low rate of interest according to the needs and requirements of startups and other micro enterprise units. MUDRA loans have been instrumental in providing financial support to individuals from various social groups, promoting inclusivity and empowerment. It addresses the lack of access to formal credit for individuals from different social groups, who often face difficulties in obtaining loans from traditional banking institutions due to various reasons such as lack of collateral, low income, or limited credit history. It offers customized loan products designed to cater to the specific needs and requirements of small and micro enterprises. MUDRA Credit is accompanied by various support mechanisms such as capacity building, skill development, and business mentoring. These initiatives help borrowers enhance their entrepreneurial skills, manage their businesses effectively, and improve their chances of success. \u0000It is important to note that MUDRA loans are not limited to any specific social group. They are available to individuals from all social groups who meet the eligibility criteria. The loans have been designed to cater to the diverse needs and aspirations of entrepreneurs across different social backgrounds, facilitating their access to formal credit and promoting entrepreneurship at the grassroots level. The present study utilizes the secondary data including government reports, surveys, and scholarly articles, and case studies, to provide an in-depth understanding of the sub-categories within the Mudra Yojana framework to assess the effectiveness and inclusivity of the Mudra Yojana in reaching marginalized communities. The study period is six years from 2016-17 to 2021-22. The Shishu category recorded the highest number of accounts i.e., 26,70,67,119 along with highest loan disbursement of Rs. 7,31,706.97 among all the categories. The study shows continuous growth among all the sub-categories (except in OBC in Shishu Loans) in all the Mudra Loans Schemes.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128187880","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 : 2023-07-23DOI: 10.48001/jbmis.2023.1002001
Pooja Khari
According to the Keynesian consumption function, Consumption expenditure plays a crucial role in determining the Gross Domestic Product (GDP), as evident in the Absolute Income Hypothesis. This concept has subsequently been used in developing the permanent income hypothesis and the life cycle hypothesis. However, when considering the net national disposable income after accounting for factors like net factor income from abroad, taxes, and subsidies, it becomes clear that final consumption expenditure holds a more dominant position. A gap in the existing literature arises from the historical unavailability of data, leading to the use of GDP as a proxy variable instead of net national disposable income when determining the consumption function for India. This research paper aims to address this gap by employing the net national disposable income of the Indian economy to estimate the consumption function for the period between 1994 and 2018. Additionally, it empirically tests the long-term effects of current income and current wealth (defined as past year income minus past year consumption) on consumption within the context of the Indian economy. The empirical findings provide support for a significant positive relationship between consumption and income and wealth. This is further substantiated by the significant values of the marginal propensity to consume (MPC) derived from income and wealth during the given time period. The estimated equation aligns with the life cycle hypothesis for the Indian economy, indicating that long-term, steadfast planning is crucial for improving the productive capacity of the economy, reducing poverty, and enhancing employment levels more effectively.
{"title":"Economic Productivity through Net National Disposable Income","authors":"Pooja Khari","doi":"10.48001/jbmis.2023.1002001","DOIUrl":"https://doi.org/10.48001/jbmis.2023.1002001","url":null,"abstract":"According to the Keynesian consumption function, Consumption expenditure plays a crucial role in determining the Gross Domestic Product (GDP), as evident in the Absolute Income Hypothesis. This concept has subsequently been used in developing the permanent income hypothesis and the life cycle hypothesis. However, when considering the net national disposable income after accounting for factors like net factor income from abroad, taxes, and subsidies, it becomes clear that final consumption expenditure holds a more dominant position. A gap in the existing literature arises from the historical unavailability of data, leading to the use of GDP as a proxy variable instead of net national disposable income when determining the consumption function for India. This research paper aims to address this gap by employing the net national disposable income of the Indian economy to estimate the consumption function for the period between 1994 and 2018. Additionally, it empirically tests the long-term effects of current income and current wealth (defined as past year income minus past year consumption) on consumption within the context of the Indian economy. The empirical findings provide support for a significant positive relationship between consumption and income and wealth. This is further substantiated by the significant values of the marginal propensity to consume (MPC) derived from income and wealth during the given time period. The estimated equation aligns with the life cycle hypothesis for the Indian economy, indicating that long-term, steadfast planning is crucial for improving the productive capacity of the economy, reducing poverty, and enhancing employment levels more effectively.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"137 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121979969","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 : 2023-05-20DOI: 10.48001/jbmis.2023.1001007
Urmila Bharti, M. Verma
The setting up of Pradhan Mantri Mudra Yojana and MUDRA attempted to fill or reduce the financial crisis in the micro enterprises to stimulate economic development. MUDRA has been aimed at administering a common platform to both banks and tiny enterprises customers and plays a significant role by bringing them together to this platform. It has been set up as a refinancing institution. Its main goal is to provide mudra loans up to Rs 10,00,000 to the micro enterprises through last mile financiers, so that they can start or expand their businesses. Its primary goal is to refinance various last-mile financial institutions that support the growth of small businesses in the non-corporate sector by lending money to them. These last mile financial institutions include NBFCs, Regional Rural Banks, Commercial Banks, Small Finance Banks, and MFIs. These institutions provide funds to the small business sector which is involved in manufacturing, trading, and Agri-allied activities. The borrower can approach to any of financial institution to get the benefit of mudra loans and to serve the purpose of their existence. Mudra scheme helps millions of small borrowers who were facing the acute financial shortage due to numerous reasons and were striving hard to get the financial assistance for starting or expanding their business activities. In this study, an effort has been made to use statistical methods like mean, coefficient of variation, and trend analysis to examine the category-wise performance of various mudra loans during a six-year period, from 2016–17 to 2021–22. The analysis is based on secondary information that was obtained from the MUDRA official website. The interpretation of the figures for the study period indicates that among the three main categories of Mudra Loans, Shishu Loan Scheme has captured the largest share in terms of number of accounts as well as in terms of amount sanctioned followed by Kishore and Tarun Loans. Since its origin, over a period of seven years of operations i.e., from 2015-16 to 2021-22, PMMY has benefitted in aggregate approximately 34.92 crore loan account holders of micro enterprise segment by administering an aggregate amount of 18.90 crore.
{"title":"Pradhan Mantri Mudra Yojana","authors":"Urmila Bharti, M. Verma","doi":"10.48001/jbmis.2023.1001007","DOIUrl":"https://doi.org/10.48001/jbmis.2023.1001007","url":null,"abstract":"The setting up of Pradhan Mantri Mudra Yojana and MUDRA attempted to fill or reduce the financial crisis in the micro enterprises to stimulate economic development. MUDRA has been aimed at administering a common platform to both banks and tiny enterprises customers and plays a significant role by bringing them together to this platform. It has been set up as a refinancing institution. Its main goal is to provide mudra loans up to Rs 10,00,000 to the micro enterprises through last mile financiers, so that they can start or expand their businesses. Its primary goal is to refinance various last-mile financial institutions that support the growth of small businesses in the non-corporate sector by lending money to them. These last mile financial institutions include NBFCs, Regional Rural Banks, Commercial Banks, Small Finance Banks, and MFIs. These institutions provide funds to the small business sector which is involved in manufacturing, trading, and Agri-allied activities. The borrower can approach to any of financial institution to get the benefit of mudra loans and to serve the purpose of their existence. \u0000Mudra scheme helps millions of small borrowers who were facing the acute financial shortage due to numerous reasons and were striving hard to get the financial assistance for starting or expanding their business activities. In this study, an effort has been made to use statistical methods like mean, coefficient of variation, and trend analysis to examine the category-wise performance of various mudra loans during a six-year period, from 2016–17 to 2021–22. The analysis is based on secondary information that was obtained from the MUDRA official website. The interpretation of the figures for the study period indicates that among the three main categories of Mudra Loans, Shishu Loan Scheme has captured the largest share in terms of number of accounts as well as in terms of amount sanctioned followed by Kishore and Tarun Loans. Since its origin, over a period of seven years of operations i.e., from 2015-16 to 2021-22, PMMY has benefitted in aggregate approximately 34.92 crore loan account holders of micro enterprise segment by administering an aggregate amount of 18.90 crore.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127823950","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 : 2023-04-14DOI: 10.48001/jbmis.2023.1001006
Seema Gupta
India's IT sector significantly contributes to the country's GDP. Savings and investments are essential for accelerating economic growth and elevating India. The goal of this study is to investigate the saving opportunities, investing behaviour, and degree of financial literacy among IT professionals. IT professionals have a distinct perspective when they decide to invest in a certain avenue and they want their money to be invested in the most safe and liquid method possible. These are just a few examples of the many characteristics of savings and investment behaviour. Their investing goals likewise vary, ranging from monetary stability to extra revenue and so forth. The study looks at how people's savings and investing choices are related to their degrees of financial literacy. A structured questionnaire was used for the primary survey analysis of 90 IT professionals employed in India's national capital area. The results demonstrate a substantial link between investment decisions and perceived financial knowledge.
{"title":"Financial literacy, Savings and Investment behaviour of IT professionals","authors":"Seema Gupta","doi":"10.48001/jbmis.2023.1001006","DOIUrl":"https://doi.org/10.48001/jbmis.2023.1001006","url":null,"abstract":"India's IT sector significantly contributes to the country's GDP. Savings and investments are essential for accelerating economic growth and elevating India. The goal of this study is to investigate the saving opportunities, investing behaviour, and degree of financial literacy among IT professionals. IT professionals have a distinct perspective when they decide to invest in a certain avenue and they want their money to be invested in the most safe and liquid method possible. These are just a few examples of the many characteristics of savings and investment behaviour. Their investing goals likewise vary, ranging from monetary stability to extra revenue and so forth. The study looks at how people's savings and investing choices are related to their degrees of financial literacy. A structured questionnaire was used for the primary survey analysis of 90 IT professionals employed in India's national capital area. The results demonstrate a substantial link between investment decisions and perceived financial knowledge.","PeriodicalId":441226,"journal":{"name":"Journal of Business Management and Information Systems","volume":"222 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-04-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117004209","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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