Journal of Contemporary Issues in Business and Government

This study is intended to analyse the various Intellectual Capital(IC) components and other
firm specific factors which determines the M&A decision of a firm in the Indian
pharmaceutical and chemical industry. Binary logistic regression is used for testing the
various Intellectual Capital components such as Human Capital(HC), Structural capital (SC)
and Customer capital(CC) and firm characteristics like Firm size, Leverage and Return on
Asset on propensity to M&A in these high tech industries. The result shows that IC elements,
namely, HC, SC, and CC are the strong determinant of M&A propensity in the
pharmaceuticals and chemicals industry in India. In the pharmaceutical industry, the
companies which are having less HC (labour intensity) and high SC( R&D and patent ) and
strong CC( Marketing & distribution Intensity) are more tend to go for M&A. And acquirers
in the pharmaceutical industry are larger in size, and their firm performance also good. In the
chemical industry, the companies that have higher HC, higher Innovation Capital and higher
CC and less experienced companies have more probability of an acquirer. Similar to
pharmaceutical acquirers, these acquirers are also larger in size, and they have better firm
performance.

The prime objective of the research work is to develop a framework for Customer Relationship
Management Model (CRMM), applicable to Indian retail banks and to analyze the influence of
service quality on customer behavior with respective to retail banks. The results of the research
study reveal that there appears to be lack of awareness with the bank employees as well as
adoption of CRM packages available in the market. It is suggested that the successful
implementation of CRM package can be achieved only if the bank can create the right
environment, culture and attitude of the employee aiming to serve the customers in the best
possible manner.

The impacts of ethical leadership in nursing in Pakistani cultural and social environments
were explored in this study. The overall subject matter has two primary categories and numerous
subcategories. This study contributes to the string of research showing the importance of ethical
leadership and the consequences it has on employees and society. This study attempts to advance
current studies about ethical leadership to obtain insight into its present influence in the Hospitals.
While researchers have confirmed the relationships between leadership characteristics and employee
outcomes, there is a need for further research regarding ethical leadership and psychological wellbeing.
Based on the data gathered and the conclusions reached, it can be concluded that there is a high
correlation between ethical leadership and employee job outcomes. The study revealed three
employee-related outcomes: employee voice, employee well-being, and organisational commitment.
As a result of the data collected, it has been shown that the job-related outcomes are solely dependent
on effective management. Good management, on the other hand, can only be observed in the presence
of strong leadership. It is possible to conclude from these findings that ethical leadership is critical for
businesses because it assists them in maintaining internal harmony and employee involvement in the
pursuit of organisational objectives.

Nowadays, mushroom cultivation is one of India's most productive and profitable businesses and
encourages employment. It is getting popular gradually because, in a short time, it converts farmers' hard
work into a remarkable profit. Despite a favorable climate and low-cost labour, India has witnessed a
lukewarm response in its growth. At present, India's total production of mushrooms is 0.13 million tons. The
paddy straw mushrooms stand sixth among the mushrooms, biologically known
as Volvariella volvacea. These edible mushroom cultivated and consumed extensively in Asian continents all
throughout. Often these are available in fresh conditions in the regions they are produced. Still, their quality,
quantity, and packaging efficiency while reaching the customers is a significant concern for this sector's
profitability and sustainable growth. India is reported a lukewarm response in its development, so has
Odisha. A nondescript village, Kutenpadar in Odisha's Kalahandi, reputed for starvation death in the '80s, is
now a role model for socio-economic growth and women empowerment. However, scientific understanding
still has a long way to go! The current study was conducted via questionnaire among farmers in four zones of
Odisha. To infer the zonal variation of Odisha in terms of quality, quantity, and packaging efficiency,
rigorous statistical analysis such as significance test, ANOVA, and post hoc testing were used. The four zones
have considerable differences in quality, quantity, and packaging efficiency, with packaging efficiency being
the main reason.

The advent of internet and telecommunication technology has led to the emergence
of digital footprint around the world. Subsequently there have been studies linked to internet
usage and socioeconomic development. The difference in internet usage among different
countries has also been identified as digital divide. Policy makers and government are
concerned about internet and telecommunication usage as drivers of digital economy for
sustainable development goals. However, not all countries are similar in their level of internet
penetration and usage of advanced technologies. Socioeconomic barriers prevalent in different
countries may prevent much of the population engagement in different information and
communication technologies. Therefore it becomes imperative to study from a wider
perspective whether the economic development of nations influence the usage of digital
technologies.
This paper examines the impact of different economic development indicators on internet
usage by applying different panel data analysis methods. The economic indicators evaluated
here are GDP growth, proportion of salaried workers, unemployment levels, broad money,
import of technology equipment, capital growth, mobile subscription, employment and
income levels. All the factors except capital growth are having statistical significance with
proportion of internet usage. Further, at different income levels the proportion of salaried
workers has a significant influence on internet usage. The study reveals the importance of
economic development in improving the digital footprint among different nations.

Social media has been broadly used to search for data and have hypnotised the population to
assemble data concerning COVID pandemics from various perspectives. During this
lockdown, individuals are constrained to stay at home and social media has maintained care
and upheld mindfulness and pandemic updates. On this note, social media marketing has
been a significant subject of conversation during this pandemic. Social media marketing is an
amazing route for associations to arrive at prospects and customers. The most prominent and
more associated with people is utilizing social media networks, the less complex it will be for
the organization to achieve every other promoting objective on the rundown. Today, more
than later in continuous history, social media platforms have become the basic wellspring of
information beating print and other computerized media stages. The persistent COVID-19
pandemic influences each part of our lives, from how individuals contribute their energy,
search, find, and buy things, to the way organizations, brands, and sponsors/advertisers
broadcast and promote their products or services. At the point when people began
contributing more energy at home, due to pandemics, they furthermore began using the web
more, which achieved an abrupt extension in web-based media engagement. Keeping this as a
focus, the current study shows how well social media marketing can help analyse customers’
buying behaviour, especially during this great pandemic.

The efficient-market hypothesis (EMH) is unique and necessary economic and money
hypotheses that are tested over the past century. Because of many abnormal phenomena and
conflicting proof, otherwise referred to as anomalies against EMH, some intellectuals have
questioned whether or not EMH is valid, and has substantial proof of anomalies, so several
theories are developed to clarify some anomalies. This review is helpful to Intellectuals for
developing up-to-date treatments of monetary theory that EMH, anomalies, and behavioral
Finance underlie. The review is additionally useful to investors for creatingselections of
investment merchandise and methods that suit their risk preferences and behavioural traits
foreseen from behavioural models. Finally, when EMH, anomalies and behavioural Finance
square measure wont to justify the impacts of capitalist behaviour on stock value movements,
it’s priceless to policy manufacturers, once reviewing their policies, to avoid excessive
fluctuations available markets.

Management has a crucial part to play in helping people find work that is more enjoyable and
rewarding for them, as well as in ensuring that the motivation of employees is aligned with
the goals of the business. This is a challenging endeavour because of the many different types
of people that work in modern companies. The things that individuals value and the things
that are gratifying to them are influenced by a variety of variables, one of which is the various
cultures to which they belong. This research takes the point of view of a manager and seeks
to get an understanding of what motivates individuals, what impacts them, and why they
continue to engage in certain behaviours. The motivational levels of the organization's staff
members will also be investigated as part of this research.

E-Banking is your personal banking service on the Internet, protected with bank identifiers. It isavailable
anywhere, anytime. E-Banking allows you to pay invoicesto Finnish andforeignrecipients easily and
securely. 150 respondents wereselected and met in thestudy. As regards data collection, a standard
Questionnaire withquestions was prepared by theresearcherand given to thecustomers ofSBIbranches in
Bengaluru city. This study iscarried for a period of 12 months from April 2021 to March 2022. Study
finds that there are significant relationships between Age, Qualifications, Income, and usage of ebanking
and overall satisfaction of the e-banking. In Anova analysis finds that there is no significant
difference in performance, services and age of the customers.

Consumer shopping experience depends on their mood which could be impacting on all
decisions that they take to the situations influence their current choices, particularly in the
retail industry. India has occupied the fifth-largest global destination in retails space. The
research investigates that how atmospherics, behavior and attitude are impacting the sales of
a retail outlet with reference to visual merchandising. To know which factor has influenced
the most in the sales and to know which factor has loaded more. The factors we took in the
study are store display, window display, color and lighting, behavior, attitude, and purchase
intention/sales. Henceforth the researcher made a modest effort to find the impact of
Atmospherics, Attitude, Behavioural Impact and Its Relationships in Retail Environment

This research article investigates the effects of school principals' distributed leadership style on
teachers' job satisfaction and organizational commitment in a low-income, underdeveloped
country. Data was collected from 650 school teachers working at 65 conveniently selected
private secondary schools in Kabul, the capital city of Afghanistan. Statisticalprocedures such as
descriptive statistics, reliability, validity, goodness of fit, and SEM were utilized to analyze the
data quantitatively. The analysis results showed that principles distributed leadership style
significantly affected teachers’ job satisfaction (Beta = 0.425, t = 12.142) and organizational
commitment (Beta = 0.387, t = 9.439) in private schools in Afghanistan. In addition, the results
indicated that organizational commitment mediated the relationship between distributed
leadership and teachers’ job satisfaction (Beta = 0.142, t = 7.474). The results also suggested that
teachers’ work experience positively influenced their level of commitment and job satisfaction,
while their agehad no significant impact on the mentioned variables

The purpose of this study is to assess the work-life balance of female teaching staff in private
degree colleges in north Bangalore, Karnataka. Furthermore, this study assesses the level of
work-life balance among female teaching staff members and examines the impact of various
socio-demographic characteristics on their work-life balance. A total of 112 samples were
chosen, and data was collected using the questionnaire method, with the data analysed using a
social science statistical software (SPSS). According to the study's findings, more than half of
women teaching staff members have a good degree of work-life balance, while more than a
quarter of women teaching staff members have a low level of work-life balance. According to
the findings, there is a statistically significant link between women teaching staff members'
monthly pay and work-life balance.

The financial industry embraces digital services in every aspect of its operations as the globe
enters the digital age. To a large extent, customers in financial institutions and banks
increasingly rely on digital services. A neobank is a financial institution that is solely
accessible online. Compared to typical banks, neobanks tend to have limited
functions.Neobank’s services are centeredon the customer’s needs and are supported by
cutting-edge technology. The Neo bank uses an Application Programming Interface (API), a
computer-based programming language that makes it possible to link together different
software applications.Neobanks cater to a younger, more tech-savvy demographic familiar
with making electronic payments. The banking industry’s future lies with Neobank.
Customers and traditional banks can now seamlessly conduct their business thanks to a
variety of services provided by the platform.The digital revolution is here to stay. Investment
in enabling technologies is expected to rise significantly in the post-pandemic world.

Innovative technology creates new ways that have developed integrity and complexity. In the current scenario with active drive, the Fourth Industrial Revolution builds on the Digital Revolution, representing new ways in which technology becomes embedded in decision making. With new waves, sustainable economic development needs to be relooked. Where does India stand, in its development of human capital? Has skill development grown with technology, if not, is there any scares to Indian sustainable growth with human capital. Technology and globalization are significantly changing work. Has technology boosted productivity? Should Techeconomics use information economics blend for productive sustainable goals? To investigate these issues firstly, stages in the technology revolution is looked upon to recall shocks. Trends in urban population, migration stock, is analyzed and thirdly, technology facilitators, labor force, devices, and broadband subscriptions are analyzed. Also, India's export of services relating to information and communication is taken into account. Does theory indicate technology has expanded production capacity, however, traditional economic theory and law do they hold relevance today with static technology assumption? Various production laws have developed theory assumptions with absolute static technology. With progress in technology. Indian urban population, in its, technology innovation has acknowledged as passive adapters and an attempt to find and explore innovation is of little attempt. The paper would like to find, if there are very few able-bodied minds that have impacted productive capacity while rest are passive adapters. Penetration has raised scope for the export market, rather a perception is sliding due to indifference and trade-off mindset of the labor force.

Total Quality Management (TQM) is a process that enhances the continuous development
ofproductsandservicequalitytogetcustomersatisfactionandpromotetheproductivity.Quality
management is managing all the activities which determine the quality policy andhow
implementation by the quality planning and quality assurance.Ithas abig role toimprove and
develop the performance of the organization. Therefore, this study investigatesthe effect of
quality management practices on company financial performance. This researchused both
qualitative and quantitative approaches such as literature review and questionnaire.There are
about 53 respondents from IKEA Company;Bangalore City had participated in thisstudy. The
questionnaire is used to understand the perspective of employees regarding theimportance of
quality management practices on company financial performance. This
studyidentifiedthreemainpractices:management,infrastructure,corepracticesandtheirrelationship
with the company financial performance. The hypotheses test results confirmedthat there is a
positive relationship between the quality management practices and
companyfinancialperformance.

Total Quality Management (TQM) is a process that enhances the continuous development
ofproductsandservicequalitytogetcustomersatisfactionandpromotetheproductivity.Quality
management is managing all the activities which determine the quality policy andhow
implementation by the quality planning and quality assurance.Ithas abig role toimprove and
develop the performance of the organization. Therefore, this study investigatesthe effect of
quality management practices on company financial performance. This researchused both
qualitative and quantitative approaches such as literature review and questionnaire.There are
about 53 respondents from IKEA Company;Bangalore City had participated in thisstudy. The
questionnaire is used to understand the perspective of employees regarding theimportance of
quality management practices on company financial performance. This
studyidentifiedthreemainpractices:management,infrastructure,corepracticesandtheirrelationship
with the company financial performance. The hypotheses test results confirmedthat there is a
positive relationship between the quality management practices and
companyfinancialperformance.

Only in an encouraging climate will the media be able to play a positive role in democracy. They
require the essential abilities of detailed reporting that a modern democracy requires. There
should also be a structure in place to ensure that they are responsible to the public and uphold
moral and professional standards. Media independence is ensured when media organizations are
monetarily independent of media owners and the state and function in a competitive atmosphere.
The media should also be accessible to as broad a cross-section of society as feasible. Efforts to
assist the media should focus on strengthening press rights, increasing media liability,
developing media capabilities, and democratizing media access. This theory suggests that media,
and in particular television channels, develop the ideas of the people. People who spend more
time on television, it tends to be their main source of information. Therefore, the population of
present study consisted of all the female and male who study in universities. Four universities
selected for the collection of data and the survey sample comprises a total of 120 respondents, 30
respondents taken from each university. The findings of paper indicate that most people rely on
electronic media for political news. It influences people’s perceptions and they are becoming
politically aware by electronic media especially by the news channels.

The Turkish-German relations enjoy strong common interests between the two parties, especially in
the economic field, as the Turks consider the presence of the Germans important in their economic
strategies, in addition to being Turkey's gateway to rapprochement with the European Union .
Common interests prompted both countries to seek to overcome the political tensions that
sometimes arise between them. Germany has worked hard to maintain the exports of German
companies to Turkey at a high level, while the Turks are seeking to continue the activity of their
industrial sectors in supplying Turkish exports to Germany, as well as benefiting from German
investments presented to the Turkish economy.

Turkey's membership in the European Union is one of the most historical and decisive
events in the construction of the social, economic and political structure of Europe. It is clear
that Turkey is not a strong candidate like the others. Turkey is challenging the European
system in order to be a part of it.
Ironically, this challenge is as much cultural as it is political for Europe, which is more and
more preoccupied with its identity, its borders, and its future. The opening of membership
negotiations has alarmed the Europeans, prompting intense and unprecedented debates within
the corridors of the European Parliament. The Muslim Turks, on the threshold of the
European Union, are once again being imagined by turning back to Ottoman history and
memory.
Although EU membership is a political issue. But in the case of Turkey, discussions show
that he is beyond politics. It seems that the Europeans are convinced that Turkey is a mirror
of the cultural and religious heritage of Europe, and this has sparked an existential reflection
on nature and identity thanks to its close interest and active presence at the local and
European levels. European Christian churches are among the actors most participating in
these discussions in a highly secular Europe Since religion should have nothing to do with
politics, what kind of position or role should churches assume? Has religion returned to the
new Europe? This paper aims to look at how "Christian Europe", which has historically led
the hostile response to Muslim Turks, is now in a position to integrate Muslim Turkey into
the European Union.

Theobjective of our research is to study the impact of the factors which affects the
purchasing decision of the customers especially in automobiles.Survey using simple random
sampling was done at Lahore to customers whose age is round about 18-65 years old. 200
respondents had filled the questionnaires at the sampling location out of which response rate was
92% and 85% of data were reliable. The strength of the relationship between the variables and
their normality assumption was met in the correlation analysis.The conclusion derived from this
researchwill provide a platform to automobile makers of Pakistan; so that they will
understandthe consumerbehavior in Lahore and how it affects the purchasing decision of a
customer.

In this study, we take a hard look at how contented workers' attitudes in the workplace affect business
outcomes for both big and medium-sized manufacturers. It emphasises that happy workers are more
productive and efficient in the workplace. According to the study, a happy worker is one who
appreciates his or her position in the company. On the other hand, a negative outlook on the job is
indicative of an individual who is unhappy in his position. The motivation behind this examination is to
decide if there is an observationally provable connection between job satisfaction and organizational
performance and if so, what direction and strength does this relationship take among employees working
in the manufacturing sector in Karnataka. Ten firms from both major and medium-sized industries were
chosen as the basis for the empirical study, and a total of 155 workers were polled. According to the
results, there is a little however critical connection between representative work fulfillment and
hierarchical execution. The results of the study showed that employee happiness had a greater impact on
business success than had business success on employee happiness

The Central and State Government of India are giving a lot of focus on promoting solar
power for the growing energy needs of India. To pursue the aim theNational Solar Mission
named as JawaharLal Nehru Solar Mission was started in 2010. The Solar Mission projected
that by 2022, It should provide 100 GW solar capacity. India aimed to be among the top five
solar markets in the world.It is expected that India will become the third largest solar market
across the globe in 2017

An exciting debate about diversity management, a subject of increasing interest over the last four
decades in the business context, is even more relevant to institutions of higher education where
diversity is present both in the supplier and customer side. The paper argues that the instrumental
rather than normative argument that is presented in it will be based on the business case for
diversity. Ordinarily the business case approach sees as a business opportunity and a means but
not an end to attaining competitive edge making it possible to build creativeinstitutions (Cox &
Blake, 1991; Pitts & Jarry, 2007).The paper further interrogates in nature-exploring diversity
Management practices as embraced by institutions of higher learning, with special attention paid
to Botswana context. The investigation employed dedicated focus group interviews, in-depth
interviews and study of existing literature on diversity management. The adoption of
triangulation meant that weaknesses and strength of each method offset the other solidifying the
study findings. The paper also highlights the existing status quo in terms of diversity
management in institutional contexts and further consolidates existing knowledge on diversity
cultures across and within institutions. It further opens up an open –minded approach to dealing
with unrelated and related aspects of work socially, economically, religiously and otherwise. The
paper has just been written just when the COVID 19 pandemic effects and debates are ongoing.
The findings of this paper have significant practical and research implication for scholars,
academics, practitioners, policy makers and general populace. Given the fact that as individuals
we construe meanings based on our values and beliefs the creation of an organizational culture
which values diversity may rely on not only a shift in attitudes but an examination of underlying
values.

Purpose-The main objective of the study to propose Audit Data Analytic Tools (ADA)
to develop the role of the External Auditor in enhancing the communication of the
Expected Credit Loss (ECL) estimate as a very complex and subjective item of Critical
Audit Matters (CAMS) of the New Audit Report.
Design/methodology/approach- The study depends on uses of the field approach
through a questionnaire distributed by the researcher to academic staff members of
some selected universities and the audit professionals whether the internal auditors in
banks listed and controlled by the Egyptian central bank & the external auditors
registered in the financial regulatory authority of the big auditing firm in Egypt with
expertise in the banking industry sector ( i.e Pwc, KPMG ,Grand Thorton ,EY) to test
the relevance of the proposed framework for CAMS communication.
Findings-The findings of the study show the significant importance of ECL i.e.,CAMS
Communication to the financial statement users as it promotes the user to the audit
report and finally improves the understanding and relevance of the related financial
statements. Thus,When the CAMS disclosures in the audit report are provide, investors
may be more confident that the auditors have determined and appropriately addressed
the most highly risky assertions in the financial statements which reflect on the audit
quality.
Originality/value-This study contributes to the audit literature by proposing a suitable
Audit Data analytics tool (tools) to develop an independent estimate (i.e. Point of
estimate) for the new ECL as a very complex and subjective CAMS item in order to
stand on its reasonableness by the external auditor. As well as proposing the relevant
form for communicating such information as a CAMS in the l audit report.

SHGs (Self Help Groups) are a widespread mechanism for women development especially in rural areas by
solving their problems at the grassroot level. In order to facilitate livelihood opportunities for women, these
SHGs play a substantial role. In this study, an attempt has been made to assess the impact of Institutional
support, Marketing strategies adopted by the group members to sell the product, and the Empowerment level
among the members of women SHGs on Sustainable Livelihood activities. A structured questionnaire was
prepared in the local language, data was collectedfrom Sivagangai, Ramanathapuram, and Pudukottai districts
in Tamilnadu. The samples chosen for the study were around 150 members from different women SHGs.
Data was processed using the SPSS package.One-way ANOVA, Multiple Regression and Pearson Correlation
were used to analyze the data obtained. The study concluded that there is a significant relation between
Sustainable livelihood and Institutional support, Marketing strategies and Women Empowerment. It was also
found out that the number of SHG members and the number of years the SHG group has been formed
significantly influences Sustainable Livelihood, Institutional support, Marketing strategies, and Women
Empowerment.

Impact on consumer behaviour plays a very important role on the success of a product. All marketing efforts are directed towards influencing the consumer and for that marketer go for analysing different aspects of consumer behaviour and factors which influence their buying decisions. The purpose of study was to understand consumer, his buying behaviour and factors influencing his decision-making process. Introduction Consumer who is considered the king has always gathered the attention of a manufacturer. The needs of consumers are taken care of and products created which satisfy the consumer. Consumer behaviour is the reaction or response towards different products or companies. While taking a buying decision he goes through a proper survey to get all information regarding the product like the options available, benefits provided, company manufacturing it, benefits he gets and many more. The objective of the marketer is to present the product in a way that it can attract the consumer and convert him to a loyal customer. Marketer can anticipate the consumer reaction to their marketing strategies only if they are able to understand the motive of consumers which influence their behaviour (McKenzie, 1992). Consumer behaviour is formed by the personal experience, impact of social groups he has interaction with, services provided by the company, company background and companies goodwill. When a consumer goes for buying a product the impact of his peer group, experience, knowledge about the product and its alternatives, company history and most importantly the need satisfying capacity of the product play important role in decision making process.

Obaidat, M. S., & Lorenz, P. (2016). Short form of electronic commerce is e- commerce, it is a type of innovative business model where individual or group or a firm can buy and sell on electronic network with support of internet. Another name of e-commerce is online commerce, web commerce, e-retail, e-tail and e-comm. But e-tail refers to any transactional processes around retail.

In many regions of the India, finding and keeping skilled staff is a major issue in the hospitality business. As a result, job happiness is becoming increasingly crucial for the long-term development of the work force and its ramifications for regions and destinations. As a result, the goal of this research is to better understand the elements that influence job satisfaction.. An online questionnaire was used to examine 116 employees on various areas of job satisfaction. According to data analysis, the most essential variables for job satisfaction are a positive relationship within the team, Shift timing and working hours, personal growth chances, fair pay and promotion policy.  The findings point to crucial topics and directions for further job satisfaction research. For practitioners, the study provides useful information on how to promote employee job satisfaction in a long-term and effective manner.

Increasing knowledge on various environmental problems among consumers has led them
tomove towards the path of sustainable consumption. As a result, attention towards the
“greenaspect”ofproducts,aswellastheireffectsonEarthhasgainedprominence.Ontheotherhand,c
oncerntowardshealthisbecomingoneofthepriorconcernsofconsumers,makingthemadopta
healthy lifestyle, which is being showcased in the form of purchasing and consuming
greenproducts. The objective of this paper is to studythe individual’s attitude towards
greenproducts, health consciousness andsocial influence on consumer green purchase
intentions
oforganicfoodproductsamongtheconsumersofHyderabad.Thestudyisconductedbycollectingqu
estionnaires from the consumers visiting organic stores for buying organic food products.The
samples collected were 200for conducting the data analysis. The statistical tools used inthe
study are Correlation,Factor analysis, Multiple Linear Regression Analysis. Attitudetowards
green products emerged as a predominant factor, positively influencing the
purchaseintentions of individuals. The findingsdepicted that green market is in evolving stage
indeveloping countries like India and opens an avenue for marketers to exploit the
opportunities available ingreen marketindustry.

Thearticleassessesdomestic violence against women during the non-COVID-2019 period and
duringconfinement-2020, in Perú. The Logit model was used with 54,679 women. The probability of
psychological violence in the study period was 45.6%, this probability increased by 2.1% during
confinement; the probability of physical violence was 31.6%, with an increase of 2.2% during the
pandemic, while the probability of sexual violence was 37.8% with a further increase of 5.6% during
the COVID period. With enforced social isolation, domestic violence was higher because women
spent more time at home with their spouses and was exacerbated by limited access to VAW services,
domestic violence was higher among women in socially vulnerable situations and considered to be
natives and with children under five years of age.

Leadership entails creating an environment in which people feel safe and empowered enough to express unpopular opinionswithoutfearofrepercussions.Thepurposeofthispaperistoexploreaboutauthenticleadership,itsmeaning, theprocessofbecomingauthentic,theimpactofauthenticity,thecircumstanceswheretheleadersnotbetooauthentic, and why certain habits are not necessary for good leadership. The author considered heavily secondary data in formulization of the philosophy including certain surveys, reports, interviews conducted by prominent entities, and his personal past work experiences in terms of case study, adjoining the Indian Hindu mythology, too to provide a better perspective that revolves around authenticity and its significance. Despite the fact that authenticity fosters healthier and stronger connections with customers, people, investors, vendors, and other ecosystem stakeholders, the participantsidentifiedspecificpersonalitycharacteristics(suchassarcasmoranger)astheleadingcausesofworkplace unhappiness.Itisnotworthdevotingenergytocontinuallyself-monitoringone's(leader’s)ownbehaviourinorderto ensure that it is under control. When someone attempts to be completely authentic, there is a dark side. Authentic leadershipcansometimesbeawfulleadership.Thepapermaintainsthatauthenticleadershipisallaboutenablingand empowering the people around. Before being authentic, it is pertinent to think of the motivations for disclosures; whether the leader has authority to talk about the subject matter; whether the leader is meaningful by sharing such facts.

Higher emotional intelligence is necessary for both managers and employees in an organisation because it helps all the individuals in an organisation to control individual emotions in operation management activities. This emotional intelligence is necessary because it brings flexibility and reduces the chances of workplace stress. As a result, the individuals can understand the situations of other individuals in the workplace quite effectively. This is necessary to maintain a friendly and peaceful workplace environment. Strong emotional intelligence not only facilitates good communication approach, but also helps organisations to maintain strong relationship between the management professionals and employees of an organisation. 

Purpose: An inclusive financial system is essential for absolute growth of a nation. The purpose of the study is firstly to examine the key trends in growth of Mobile banking in India for the last decade (2010-2020). Secondly to determine the key enablers for Financial inclusion in digital India and to analyse the relation between Financial inclusion index and Average rate of growth of real GDP in India
Design/Methodology: The study is based on complete secondary data and it has been collected from official government databases such as RBI, NPCI, World Bank, Global Findex Databases, PMJDY, NSFI etc. The research methodology is descriptive research design. The collected data are analysed using statistical tools such as Graphs, Tables, Correlation and Ordinary Least square  inEviews 12.
Findings: The study provides insight on the trend of Digital financial inclusion policies in India. India has received greater advantages from the Jan Dhan and Mobile Banking policies throughout the past few years. The study concludes thatin order to create a sustainable environment for the end users there is a need to encourage the regulators, the telecom service provider and the financial institutions.
Practical Implication: Financial inclusion and mobile Banking in any growing economy synchronizes with each other. This paper studies the coordination between the two although both are expanding in India. There is a need of customer centric approach as far as technological growth is concerned. The findings of the study may further help to nourish the ongoing procedure and policies of the two schemes and may upgrade the standard of Digital India.
Originality/Value: Financial inclusion has been more widely acknowledged as a key contributor towards socio-economic development and Digitalization has become significant for Indian Banking sector. The revolutionary combination of the two major initiatives leads to greater social cohesion and shared economic growth. The paper has also focusedon retail payment systems of USSD portal based M-Banking which is led by the National Payment Corporation of India.

Green human resource management (Green HRM) is a well-accepted norm in institutions that promote and practice activities for the conservation of the environment to support ecological balance. This study is the first attempt to explore the Green HRM ecosystem in the hospitality industry. Systematic literature review of publications in Scopus-listed journals has been the base methodology used to tie conceptual strings between the constructs by evaluating literature with respect to the hospitality industry. The paper adds a detailed conceptual framework to existing Green HRM literature and lays a foundation for future research agendas in Greening human resource management in the hospitality industry .

Farmers in many countries have at their disposal several options to control their energy expenditures of agriculture. One available choice that the farmers have not extensively adopted is the technology of solar energy for generation of electricity. The main objective of this research work was to have an idea of thelevel of farmers’ adoption of solar-powered water pumps and the major factors that influence adoption behavior. The study therefore usedan extended UTAUT model to examine the adoption behavior of farmers regarding solar-powered pumps. A survey was used for the UTAUT model application. The study found that few farmers were found to use solar photovoltaic technology and solar equipment for farming. Decisions of farmers on adoption were found to be influenced by many factors including environmental change, economic benefits, government policies, awareness, costs of technology etc. It was observed that increasing the level of awareness and provision of government policies such as subsidies and incentives to reduce the costs of solar water pumps could increase farmers’ level of adoption. From the results, the authorsinfer that farmers’ lack of knowledge of new farming technologies and schemes resulted in some farmers not investing in solar-powered pumps.
 

Pharmaceutical industry of India is grooming with fast rate.  It is estimated at US$ 42 billion and growth is expected to continue in future. Indian Pharmaceutical companies are among the few companies who have come up with Covid 19 medicines and vaccines. These companies not only serving India but also other countries. Glenmark pharmaceutical was the first company to introduce oral drug for curing Covid 19, then some other companies like Cipla Ltd, Sun Pharmaceutical Industries, Best Biotech, Intas Pharmaceutical and so on also produces oral drug for the treatment of Covid 19. Past two years were phenomenal in terms of business and growth, many sectors have shown fluctuations due to pandemic, pharmaceutical sector also got affected by it to some extent, but have come with positive growth in last FY that is 2020-21.

With the rapid changing business environment it is essential to measure the financial performance of the firm for long term sustainability. The financial data is so scattered that it is not possible for a layman to extract the vital information from them. It also delays the important decisions on the part of the various stakeholders. Although there are numerous statistical and financial techniques are available to analyse the financial data, but all these techniques are complex and difficult to understand by a layman. This leads to the need of the simple technique that helps to analyse financial data easily. Now a day’s visualization is adopted whole heartedly by researchers and professionals to present the financial information in simplified manner. Visualization software like tableau, Power BI, Sisense are used by the professionals worldwide 
The study evaluates the financial performance of top five pharmaceutical companies selected on the basis of their market capitalization. The study is exclusive as it applies data visualization techniques through Tableau software to analyse the performance and interpret the results.

Our world is rapidly changing, from hunter-gathering to farming to capitalism, economic globalization, and political difficulty. It is vital to consume our scarce resources in a sustainable manner since people have always been consumers rather than replenishes of the earth''s natural resources. By definition, sustainability is known as the capability of current genesis to fulfill their requirements without jeopardizing the prerequisite of generations of the future ability to fulfill their own. Expressing in other words, it providethe ability of humans to live in harmony with the ecosystem on our planet. Environment sustainability as a conspicuous element of sustainability approaches towards steering definite resources to curb down the transforming resource as well as curtail down generated wastage by providingenvironmental and naturally generatedsources a protection sheet. These recent catastrophic circumstances have been the cause for the authors to rethink their understanding of their concept of sustainability. The COVID-19 pandemic has had a profound impact on human sustainabilitythrough “triple bottom line (TBL)”approach consisting of pliers like “economic, social, and environmental”. The research on COVID-19 and its long-term consequences is notably fragmented, owing to a growing interest among academics in acknowledging to the pandemic''s immediate call for action implementing a concept known as the triple bottom line strategy is one way to achieve these future sustainable developmental goals.

This research looked into how the Covid-19 pandemic might affect the company's CSR efforts. According to the analysis, the COVID-19 pandemic provides a great chance for corporations to adopt genuine and meaningful CSR practises. In this study, top 100 Forbes global Firms' Twitter data was extracted from their Twitter profiles, and topic modelling was performed to identify CSR activities carried out by the firm during the COVID 19 pandemic. Using social media data, this study compared the firm's CSR activities during the COVID 19 and pre-COVID 19 periods. The findings revealed that this pandemic presents great opportunities for organizations to actively participate in various CSR programs during the crisis, possibly initiating a new era of CSR advancement. Fortunately, the study found that many companies have not only overlooked socially responsible business practises during this crisis, but have also actively participated in various socially responsible activities, especially those that can provide prompt help and support in the virus's fight. This paper presents some exploratory thoughts on how the pandemic might affect CSR performance of the Forbes global firms. In terms of CSR, the study discussed about how it affects CSR opportunities and patterns.

In this study, we use multivariate stepwise regression analysis to examine how various
macroeconomic factors have affected the Indian stock market. To investigate the underlying
dynamic causal relationship between the variables,a Granger causality test was performed and
Average monthly closing prices of BSE Sensex and S&P CNX Nifty are used as dependent
variables, while industrial production (IIP), wholesale price index (WPI), money supply (M3),
interest rates (IR), trade deficit (TD) and investment are institutional variables. Foreign exchange
(FII), exchange rate (ER), crude oil price (CP), and gold price (GP) are used as independent
variables (GP).Data from January 2020 through June 2022 was evaluated for this analysis. The
empirical findings of this study feature the significance of macroeconomic factors in explaining
the behavior of the Indian stock market. Investors' inclination for gold has to be tempered, and
the government should instead encourage further participation in the stock market.

This research looks at the marketing and operations practises of rural banks in India's When used
in this context, "marketing strategy" refers to any set of actions taken with the intention of
increasing demand for a certain product or service. In light of the increased competitiveness in
the banking industry, the use of this term has become widespread. Banks, including rural banks,
need to employ effective marketing strategies in their operations to please clients in a first-class
way in today's fiercely competitive marketplace and rapidly evolving client desires and
requirements within the business landscape. Consumers' shifting tastes and preferences in the
modern economy have driven banks both small and large to adapt in order to stay competitive
and retain their clientele. Inevitably, this will raise the bar for service across the sector, which in
turn will stimulate growth in the economy. To stay ahead of the competition, banks need to
develop and implement strategies that provide them a distinct advantage. Providing excellent
customer service is a crucial component in maintaining a competitive edge. The study's
overarching purpose was to learn more about the methods Rural Bank uses in its marketing
efforts to win new clients and keep existing ones happy. The information used for the study
comes from both primary and secondary sources related to rural banking.

The spread of Novel Corona virus (COVID-19) has had far-reaching effects on the supply chain,
from raw materials to final goods. Consequences for public health, hygiene, and diet have
resulted from these shifts. Concerns about food safety have contributed to a growth in
consumers' preference for buying and eating locally produced foods. During the COVID-19
pandemic, consumers considered green goods as safer and healthier, which might have long-term
effects on their diets and healthcare spending. Concern for the environment has gone global.
Marketers are aware of the need to embrace green marketing tactics in response to the World
Health Organization's Sustainable Development Goals (SDGs. In addition, these days shoppers
know a little more about green advertising than they did a year ago. As a result, several Indian
factories are adopting eco-friendly advertising strategies. Using a self-administered survey,
primary data was gathered for this investigation. In all, 400 replies met the criteria for further
examination. Therefore, a new model is being presented to the marketers in order to increase
their market share and profit among the rivals in the business.

Information technology is not only one of India's fastest-growing businesses, but also a major
factor in propelling the country's economy and changing its reputation from that of a
developing economy to that of a global powerhouse. The retention of skilled personnel has
become more important as the market has become increasingly competitive and human
resource managers have faced a serious scarcity of quality specialists. This is crucial as it
assures the sustainability and productivity of the firm. Despite the fact that "staff poaching" is
all the rage in the business world, even a little slip-up might result in the loss of brilliant minds
to a rival company. According to the literature, there are two types of employee turnover:
functional and dysfunctional. Dysfunctional turnover occurs when a top performer departs the
company, whereas functional turnover occurs when an unproductive employee leaves. Since
dysfunctional turnover is a major issue for HR managers, it is the subject of this research.
When an employee departs, it takes another seven weeks to fill their role, which has a negative
impact on the team's output. Staff retention has received far less attention than employee
turnover in previous studies. The purpose of this investigation is to specify the connection
between creative HR practises and productivity in the workplace. The researcher looks at the
several ways that independent and dependent variables are defined.

Since a decade the society is witnessing the tremendous change in awareness,
preference and usage of products and services by the customer. The environmental concern of
the customers is igniting an idea of using eco-friendly products. So, in connection to it, this
paper is mainly focused on exploring the impact of customer experience and environmental
concern on customer engagement towards electric vehicles. This study stands unique among
the relevant literature in the same area by adopting environmental concern as one of the
independent variables. The people who are using e-bikes were considered as population for
the study. The sample had been drawn from Hyderabad city. Further, factor analysis and
regression were adopted to analyse the data. The results of the study indicate that the two
independent variables were proved to have significant positive effect on customer
engagement. The findings of the study provide more valuable insights to manufacturers of
electric vehicles.

Energy plays a very important role in the process of attaining economic growth and development. But the price to be paid for this development is very huge as more than 70 % of energy needs in our economy is met from fossil fuel which is adversely affecting our environment. Despite huge solar potential in our country we are unable to tap it. The total solar potential for India is estimated as 750 GW (MNRE) but the current solar power installed capacity is just 3 GW. This clearly brings out the fact that to protect our planet without compromising the development goals we need to rigorously consider the tapping of solar potential. This would help us to fight the problems like Global warming and climate change. The present article is an attempt to investigate the measure to optimize solar power in future. This could not happen without bringing a change in the attitude and behavior of the people. To bring a change in the attitude and behavior of consumers we need to emphasize on creation of habits through values. The cross- sectional data from 165 students’ samples using structured questionnaire in Jaipur city is used in this study. The reason for selecting students as respondents for the study is that today youth have more awareness about environment, global warming, and the importance of green products. It also evidenced that the consumer’s positive attitude along with the behavior towards environment, awareness of the eco-friendly products and value of the (solar panels) is satisfactory then the consumers have positive behavioral intention to adopt the solar panels. The results of the study could help us to develop effective marketing strategies for solar panels in future.

Employees working in multinational companies spend a major chunk of their daily time in the workplace. The competition and threat of survival is growing rapidly. Employees in organizations are under the constant pressure to achieve higher goals to prove themselves. The aspirations of employees are skyrocketing, and they are striving to survive and thrive in a super competitive work environment. The glamourous hustle culture has swept the young workforce off its feet. It has been observed thatorganizations prefer people who tend to have high work drive, extreme work involvement and who can work beyond the capacity. Employees strive for perfection in all domains and an overdrive for perfectionism may lead to maladaptive rumination and impostorism. Impostor phenomenon can affect an individual’s work and family life. Impostorism, perfectionism and rumination are some prominent problems faced by employees working in corporate environments. The presentstudy assesses the relationship among impostorism, perfectionism and rumination in employees working in multinational companies. The sample comprised of 103 individuals (both males and females) working in multinational companies. ‘FFOCI- Short Form’ (Samuel et al.,2014) and ‘Clance Impostor Syndrome Scale’ (Clance, 1985) were used for gathering data.Pearson correlation and multiple regression analysis were computedto assess the association among perfectionism, rumination &impostorism. Findings suggest that perfectionism, rumination and impostorismare positively correlated with each other& perfectionism and rumination significantly predict impostorism in employees working in MNC’s.The findings of the research will help in understanding the dynamics between the selected variables which will further help in formulation of strategies for reducing impostorism, maladaptive perfectionism and rumination and enhancing mental health of working population.

Energy plays a very important role in the process of attaining economic growth and
development. But the price to be paid for this development is very huge as more than 70 % of
energy needs in our economy is met from fossil fuel which is adversely affecting our
environment. Despite huge solar potential in our country we are unable to tap it. The total solar
potential for India is estimated as 750 GW (MNRE) but the current solar power installed
capacity is just 3 GW. This clearly brings out the fact that to protect our planet without
compromising the development goals we need to rigorously consider the tapping of solar
potential. This would help us to fight the problems like Global warming and climate change.
The present article is an attempt to investigate the measure to optimize solar power in future.
This could not happen without bringing a change in the attitude and behavior of the people. To
bring a change in the attitude and behavior of consumers we need to emphasize on creation of
habits through values. The cross- sectional data from 165 students’ samples using structured
questionnaire in Jaipur city is used in this study. The reason for selecting students as
respondents for the study is that today youth have more awareness about environment, global
warming, and the importance of green products. It also evidenced that the consumer’s positive
attitude along with the behavior towards environment, awareness of the eco-friendly products
and value of the (solar panels) is satisfactory then the consumers have positive behavioral
intention to adopt the solar panels. The results of the study could help us to develop effective
marketing strategies for solar panels in future.

Purpose – The BSE Sensex, popularly known as SENSEX is considered as the pulse of
domestic equity markets in India. However many researchers and policy makers also
consider SENSEX as a barometer of Indian economy. The bull and bear phase of
SENSEX is seen as upturn and downturn cycles in Indian perspective. The SENSEX
consists of thirty well established stocks which are representative of various industrial
sectors of Indian economy. Available literature provides evidence of attempt by many
researchers in prediction and modelling of various market indices.Our study identifies a
natural framework to study the dynamic structure of daily returns from BSE Sensex. The
purpose of this study is to find evidence of index movement due to historical patterns or
random shocks, which describe the economic environment under which the asset price is
determined.

 
Future online payments are critical for the promotion of future online transactions (e-payments). However, little research has been done on the variations in different systems between secure and risky e-payments, as well as customer reactions. E-commerce encompasses a broad variety of online services and goods, as well as electronic networks for the transfer of funds and data. Various applications are used in the e-commerce industry. The trust in Ecommerce relies primarily on the online payment system that allows the customer to pay for an online trader. This trial focuses on Neuroscience (fMRI) and I identify secure e-payment and risky neural effects. The underlying brain mechanisms are revealed in the face of two broad specific systems: PayPal and debit cards are accepted. Thirty people took part in an experiment that simulated low-cost online shopping. Risky e-payments cause cortical areas associated with unwanted emotional processing, but highly secure e-payments do not, according to the report. PayPal is about more than just dependability, incentive, and effectiveness. In addition, the study revealed payments, by contrast, generate brain activation in relation to negative and risky events with the debit card. It is interesting that the right brain response has been used more positively (responsible for value encoding). These findings provide a precious overview of the unconscious origins of consumers' choice of payment systems.

The purpose of this study is to examine the influence of foreign direct investment (FDI) and foreign portfolio investment (FPI) on stock market returns (SMR) in SAARC member nations between 2014 and 2019. The World Development Indicators (WDI) and the global economy provided secondary data for this study. Numerous punitive procedures, like the Shapiro-Wilk w-test for determining data normality and the Breusch-pagan test for determining heteroscedasticity, were utilised for robust data analysis. The findings reveal that all FDI and FPI had a low correlation with stock market returns; additionally, the low correlation indicates that the variables included in the current analysis did not exhibit multicollinearity. Diagnostic tests, including the Hausman test, revealed that the author should use the random effect model to analyse the data. The coefficient of FDI was shown to be negatively significant, meaning that increasing FDI reduces stock market returns. Growth in FPI, on the other hand, increased stock market returns. Additionally, the results suggested that the model as a whole is well-fitting.

The service sector is one of the fastest expanding sectors in the global economy that contribute
the lion’s share to support nations’ GDP, and it is one of the areas where research on innovation
has received a lot of attention. The purpose of the research was to study the customer satisfaction
survey amongst organized retail formats in Visakhapatnam. Customer who are delighted also
likely to tell others of their favorable experiences and thus engage in positive or direct promotion
of outlets. The sample study consist of 100 respondents, Samples collected from Reliance trends,
Life style, Shoppers stop, Spencer and Big bazaar. The study was conducted between January to
March 2022. Customer satisfaction does have a positive effect on an organization's profitability,
satisfied customers form the foundation of any successful business as customer satisfaction leads
to repeat purchases, brand loyalty, and positive word of mouth. Satisfied customers are most
likely to share their experiences with other people to the order of perhaps five or six people.
Equally well, dissatisfied customers are more likely to tell another ten people of their unfortunate
experience.

Artificial intelligence (AI) is being used very pervasively with the ever-evolving and competitive
business world and has become the 21st-century buzzword. Countless innovations in technology
have pushed businesses to make their value creation processes more effective and customer
friendly. The experimenter was used secondary data where the data was collected from
exploration papers, publications, websites, HR blogs, check reports etc. This research
would be useful for recruiters and HR managers to consider the fields of AI implementation and
management to take advantage of cost-cutting technical developments. Study was made up of job
seekers of artificial intelligence in e-recruitment in Pharma industry and primary data collected
200 job seekers from major cities like, Bangalore, Hyderabad, Chennai and Delhi. Study found
that there is a relationship between recruitment and Natural language process. The study
concluded there is statistically significant relationship between Natural language process, work
force and automation variables

Earlier Information Technology (IT) is considered to be a separate department which is primarily dealing with coding for business applications, website designs, etc. Now, IT is now an integral part of every department and accounting is no exception. Adapting IT concepts such as Artificial Intelligence, Robotics, automation, cloud technology, etc. has changed the way of doing business. Electronic data processing brings in greater efficiency and adds value to the business. Various business reports can be easily and quickly prepared with help of these computer systems. Increased functionality, improved accuracy, faster data processing, better external reporting, processing and presenting real-time data, etc. are few benefits of adopting electronic data processing in business. Cloud accounting is the most popular technological advancement in the field of accountancy. Cloud accounting enables bookkeepers and accountants to work on the same system irrespective of the location. It brings proficiency in bookkeeping and streamlines financial administration in any organization and helps in providing real-time data to business stakeholders. Cloud is a network model where data is stored in centralized servers and can be accessed anywhere with internet-enabled devices. The recent Covid pandemic has pushed all organizations around the world, to make remote working easier to their employees. Organizations with less manpower are also adopting cloud accounting software to handle and process their financial data. This paper has attempted to provide an overview of the concept of cloud accounting, the need for cloud accounting, and the benefits and risks associated with it.

Employees working in multinational companies spend a major chunk of their daily time in the workplace. The competition and threat of survival is growing rapidly. Employees in organizations are under the constant pressure to achieve higher goals to prove themselves. The aspirations of employees are skyrocketing, and they are striving to survive and thrive in a super competitive work environment. The glamourous hustle culture has swept the young workforce off its feet. It has been observed thatorganizations prefer people who tend to have high work drive, extreme work involvement and who can work beyond the capacity. Employees strive for perfection in all domains and an overdrive for perfectionism may lead to maladaptive rumination and impostorism. Impostor phenomenon can affect an individual’s work and family life. Impostorism, perfectionism and rumination are some prominent problems faced by employees working in corporate environments. The presentstudy assesses the relationship among impostorism, perfectionism and rumination in employees working in multinational companies. The sample comprised of 103 individuals (both males and females) working in multinational companies. ‘FFOCI- Short Form’ (Samuel et al.,2014) and ‘Clance Impostor Syndrome Scale’ (Clance, 1985) were used for gathering data.Pearson correlation and multiple regression analysis were computedto assess the association among perfectionism, rumination &impostorism. Findings suggest that perfectionism, rumination and impostorismare positively correlated with each other& perfectionism and rumination significantly predict impostorism in employees working in MNC’s.The findings of the research will help in understanding the dynamics between the selected variables which will further help in formulation of strategies for reducing impostorism, maladaptive perfectionism and rumination and enhancing mental health of working population.

In this study, the main objective is to examine the relationship between employee's satisfaction and quality, customer satisfaction, and productivity. Employee satisfaction is an important driver of customer satisfaction and productivity. It focuses mainly on the IT sector in Ernakulam. In Ernakulam district, data were gathered from workers in various fields. The purpose of this study was to determine what factors influence employee satisfaction. Our study suggests that interpersonal trust (trust in managers and trust in peers) affects employee satisfaction and, as a result, employee loyalty. The sample which was chosen for this study was 150 workers in the IT industry of Ernakulam district for the purpose of testing the relationship between trust in management and trust in peers as well as satisfaction and loyalty. Using convenience sampling techniques, data was collected via standardized questionnaires. IBM SPSS Statistics was used to analyze the data further through correlation and regression. By using IBM SPSS Statistics, the regression analysis was performed and the relationships between the independent variable and dependent variable as well as the mediating effect of Employee Satisfaction were measured. Interpersonal Trust is a driver of Employee Satisfaction and, in turn, affects Employee Loyalty. As an expression of the mediation among the two variables, Employee Satisfaction plays a significant role in this analysis. In addition, the results show that Interpersonal Trust and Employee Loyalty have a direct effect on each other

Economic growth is still a central macroeconomic goal of every society, whether rich or poor and this study has explored the role of financial integration and knowledge sharing in this regard by assuming that their effect on the economic growth of developing and developed countries may be different. This study has chosen the country classification made by the United Nation’s WESP classification. Feasible generalized least square (FGLS -hetero) approach is used for estimation from a data set of 1995 to 2019 and the results show that financial integration has a positive impact on the economic growth of developed nations but has a negative impact on the economic growth of developing economies. Knowledge sharing, research and development expenditure, institutions, interpersonal globalization have a positive impact on the economic growth of developing and developed economies.

Universities education Management is in the throes of a major transformation. This calls for a dedicated-entrepreneurial leadership crew set to release ‘the leadership nuclear’ amour at appropriate times to avert failures that could possibly be prevented. Decreasing public confidence, increasing concerns about higher education from state legislators, growing regulation at the state and national levels, fiscal challenges, globalization and other major concerns are facing African universities and higher education generally. This paper describes key principal and dynamic challenges confronting university leadership today, and provides a leadership operational framework that debunks these challenges. The paper is further premised on the fact that the university sector in Africa is experiencing unprecedented challenges affecting effective execution of their mandate. What is valuable about this study is enshrined in the study’s two leaf portal namely–providing a quality but comprehensive summary description of the prevailing common and unique challenges faced by Universities in Africa. Secondly the study provides a dossier to tackle selected leadership models that address these challenges in order to positively advance university education to the appropriate levels into the 21st century and beyond.

Economic inequality within countries throughout the world is striking and has increased over the past 3 decades. Moreover, recessions are common and are often influenced by global interconnections. In this essay, we set out standard economic ideas on ways public policy might respond to a recession and how these policies might exacerbate or mitigate economic inequality. In addition, we present evidence on the link between government behaviour and inequality for the group of OECD nations, to shed some light on the potential role of government in advancing inequality.

This article was written to inform about the job satisfaction and QWL of the faculty working in post- graduate colleges in Telangana. The QWL and Job satisfaction is a vital factor for every employee. I want to convey through this article that it is the responsibility of colleges to provide the quality of life and professional satisfaction that employees’ desire. For writing this article, a set of constructive questions was distributed and the responses were collected and analyzed. Along with them, I considered past articles and case studies. I took 160 PG College Teachers from Telangana as respondents and recorded their responses. I used a 5-point Likert scale to record responses. Since it is a study related to the survey, I used simple percentage analysis for data analysis

A Firm’s unethical practices may deteriorate its performance, slow down its growth, and lastly affect the goodwill of the firm. Horseplay and malpractices significantly influence the organizations, humans, and even societies. The firm’s employees can perform a crucial role in the finding of malpractices in the firm and they can report it to the upper authorities through proper reporting channels. But, due to the fear of retribution, they remain silent. In this regard, an ethical-leader can play a crucial function to motivate subordinates towards internal whistleblowing by providing them a moral atmosphere, so, they can report horse-play to the appropriate authorities without any fear. This research study investigates the effect of ethical-leadership on the internal whistle-blowing intentions and the mediation result of an ethical-climate between ethical-leadership and internal whistle-blowing intentions. Researchers collected data through a survey from the education sector. This study demonstrates the positive result of ethical-leadership on internal whistle-blowing intentions and ethical climate is positively mediated between the ethical-leadership and the internal whistle-blowing intentions. This research has also discussed Theoretical and practical implications

This research focuses on the association between factors that influence the anger and frustration of the customer in the restaurant. Anger is a feeling that ranges from mild to severe exasperation ferocity and anger and frustration is the reaction to be sad or angry as a result of not being able to change or do something thing. Through random sampling technique, we selected 197 respondents from different departments of Punjab University Lahore. Survey method by distributing questionnaires was utilized for collection of data. Descriptive along with Inferential Statistics was used to analyze results. Results of the study displayed positive and notable connections among all independents and dependent variable except one independent construct which was High Price. Present study identified the impact of environmental conditions of the restaurant towards anger frustration and dissatisfaction of their consumers.

The main purpose of this research paper is a well examined study of US military engagement in Syria. It tries to assess the situation in Syria, where various domestic as well as foreign parties have joined in the civil war to protect or overthrow the regime of Bashar Al-Assad. Syria, thus, has been the center of power struggle between many international actors (notably the United States and Russia) which have competed in the strategy of supremacy in the most toughest and bloodiest version of Arab Spring in the Middle East. And they are Syrians and refugees who have been suffering in the civil conflict in which the U.S. and Russia's political and geo-strategic interests take center stage. With regard to the reasons, developments and results from these elements which are mainly part of the international relations agenda of the Syrian case, the theory of Neo-Realism has been applied to the situation, in order to better compare and contrast the different factors of the conflict. The case will thus be analyzed by focusing on the clashing Syrian policy interests between major powers such as U.S and Russia and their conception of alliances in Syria.

Green human resource management (Green HRM) is a well-accepted norm in institutions that promote and practice activities for the conservation of the environment to support ecological balance. This study is the first attempt to explore the Green HRM ecosystem in the hospitality industry. Systematic literature review of publications in Scopus-listed journals has been the base methodology used to tie conceptual strings between the constructs by evaluating literature with respect to the hospitality industry. The paper adds a detailed conceptual framework to existing Green HRM literature and lays a foundation for future research agendas in Greening human resource management in the hospitality industry .
 

In the last decade social media has become immensely popular worldwide. It is a way of connecting with family and friends through sharing messages, photos and videos. As time moved forward, social media become a big part of our lives. The addiction of social media is a form of internet addiction which consists of all the features of other addiction disorders. This study aims to understand the relationship between social media addiction and impression management online among young adults. People in the online world present themselves in a manner which seems very desirable to other users which is known as online impression management. In order to maintain this impression online, a user constantly engages in being active on social media which results in high usage of social media. Data was collected using online survey method. A total of 220 people participated in the study out of which 131 participants were female and 89 participants were male. The age range of the participants was between 18 to 35 years. A regression analysis was conducted and a significant positive relationship was found between the variables. Online impression management was found to be a good predictor of social media addiction.

 Human Resource Accounting (HRA) was introduced in 1980s, it is the process of identifying, communicating, and measuring data about human resources. It is highly complicated in today’s market to find well knowledge, and highly motivated people. But human resource is one of the most important operations for any organization or business. Without the human involvement can lose its efficiency in work, and all the areas of business and levels human efficiency is required with machine efficiency. Thus, companies have to recognize and appreciate the value of their employees. It is worth and capital investments. The objective of this paper is to study the human resources accounting practices, to identify challenges and issues, and to give suggestions based on the findings of the study.

Purpose of this research to do detailed study in the area of traditional finance and behavioural finance. This paper is focused on understanding the reason behind investment decision making and how financial theories like EMH are ineffective to understand market variances and human behaviour. There are two divisions to analyses the review and discussion of literature as follows development phase of EMH and disappointment of EMH, which introduce the area of behavioural finance. Efficient market theory is first introducing by Eugene Fama in the year 1960s. After that EMH model turn into most significant financial model in the area of enlightening the stock market behaviour, it is considering as the best model to predict stock market in 1970s. Current research introduce how behavioural finance evolve from the major drawback assumption of rationality in domain finance. This research is beneficiary or academician, stock market investor as well as financial market managers so they can understand stock market behaviour.

The Indian stock market is highly volatile. The effect of one market on another market is not new. However, the variations in the degree of impact and co-movement between the markets need to be examined. This research aims to study the dynamic relationship between Crude oil price and stock prices from April 2017 to March 2022. In order to establish the relationship between the exchange rate and the stock market price, ADF test is embarked to examine immovability of data and is evident that it is un-movable at initial difference level. The Johansen co-integration test of Johansen is applied to assess long-term balance of Nifty Index analysis with the Banking sector and to define the co-integration of the variables. Granger causality test is used to regulate causal & short-term relationship of the variables with the corresponding bidirectional of the causality among the variables.

The Information Technology sector has been profoundly impacted by advances in project management knowledge. As a result, it is critical to optimize service development processes in every project. This article focuses to explore the composition of “Knowledge Management” of IT professionals. The current research proposes a model of the impact of Management Support for Knowledge Application on Project Knowledge Application and Project   Knowledge Application on effective Knowledge Management in the IT industry. To conduct the current analysis, the researchers used a quantitative research approach in the form of a survey. The questionnaire was randomly distributed to 180 IT employees of various software companies. The researchers did, however, collected 165 completed questionnaires and Reliability test, EFA and Simple Linear Regression statistical methods used. It is found that that there is a positive correlation between Project Knowledge Application and Effective Knowledge Management in IT Industry professionals.

Understanding of the consumers buying behavior and examining procedures of decision making necessitates the need to identify the awareness towards advertising of the FMCG products that offers relevant product information to the consumer. This paper aims to explore the role of advertisement on attitudes towards buying behavior. Questionnaire has prepared to evaluate the impact of advertisement. Here, the researchers have used convenience sampling method for distributing the questionnaire in order to study the impact of advertising on consumers buying behaviour with special reference to FMCG products. The study was carried out involving a survey on 180 sample size and the consumer are chosen the age limit of 18-45 years in Bangalore City. Five brands have been taken into consideration as FMCG’s brand Parle Agro, ITC, Dabur India, HUL and Britannia. According to the analyzed data, advertisement variables show a positive impact on consumer buying behavior in Bangalore city. According to the regression analysis Brand of products shows more impact of the consumer buying behavior than a label and environmental advertisement. These results of this research exposed that advertisement attracts towards the preference and choices to influence the consumer buying behavior.

Artificial intelligence tools and processes have hugely impacted the retail industry and the satisfaction of online customers. With technology largely pervading all facets of our lives, people want meaningful experiences. Artificial intelligence has the ability to deliver positive experiences for customers that help build brand trust and customer satisfaction. Whether you are using your smartphone, laptop, or voice assistants such as Alexa or Siri, service on the internet is gaining new ground. This paper does a literature review of the various technological advances that optimize the customer experience to evoke e-satisfaction (i.e., satisfaction while shopping online). E-satisfaction as a construct will be reviewed with its impact on customer purchase intention. The main results of the documentation were used to substantiate the conceptual framework introduced by the paper. The research revealed a variety of advanced solutions, benefits, but also risks that AI generates in retail, in different segments of the value chain, abbreviated CECoR, from improving the customer experience (Customer Experience, CE) with the help of virtual agents (chatbots, virtual assistants, etc.), to cost reductions (Cost, Co) by using smart shelves, and to increasing revenues (Revenue, R) due to product recommendations and personalized offers or discounts. The proposed conceptual framework is focused on customer profiles and includes recommendations on AI implementations in a retail company, from the perspective of CECoR drivers. The results of the research can be capitalized by practitioners and researchers in the field, who are presented with concrete examples of benefits, challenges, and risks generated by AI technologies. The CECoR framework could be a useful tool for both retail and AI specialists, providing common and clear guidelines for initiating and overseeing projects for integrating AI in a company’s information systems. This review will provide businesses and other researchers a frame of reference to conduct empirical studies in the area of AI and technology-enabled retail.

The term "predictive analytics" refers to statistical and analytical methods. This phrase was created using statistics, machine learning, database methods, and optimization techniques. Its roots may be traced all the way back to classical statistics. It creates forecasts using both current and historical data. Predictive analytics algorithms may be used to predict unpredictable behavior and future occurrences. To assign a score, predictive analytics approaches will be employed. A larger number suggests a greater chance of an event occurring, whereas a lower number indicates a lower chance. These frameworks tackle a range of commercial and scientific problems by analyzing historical and transactional data trends. These models assist in identifying the risks and opportunities faced by each customer, employee, or management in a business. As interest in decision-support solutions has grown, predictive analytics models have risen to the top. In this article, we'll go through the methodology, techniques, and applications of predictive analytics.

BSE index SENSEX and BSE index NIFTY are the major indexes in India which is a measuring indicator of the economic development of India. The Inflation rate is one of the macroeconomic factors which influence the stock market directly or indirectly. Any country tries to make an economic policy to stabilize the inflation rate of their economy. The relationship between the stock market and the Inflation of a country has been a captivating concept for any policy maker and the researcher. The present study made an attempt to understand the relationship between inflation and stock market returns in India. The data from 2010 to 2022 is taken for the analysis. 

The EV space has getting Hotter day by day with more and more legacy where all the Big Car manufacturing giants are making entry. Pollution has become a major source of concern for the majority of people at present. Everybody wants to live in a pollution-free society, Pollution is primarily caused by automobiles Nevertheless, and India’s automobile registrations are growing at a rapid pace, Petrol and diesel process are also soring high As a result, and modes of transportation started becoming more sustainable and environmentally friendly. This made the electric vehicles to create a space but the adoption rate was not more in India, projections by many manufactures are expected in next 5-6 years, this study includes five independent variables: financial incentives, charging infrastructure, social reinforcement, environmental concern, and price, and one dependent variable, electrical vehicle adoption. The data for the present study was collected from 150 randomly selected respondents across India, Confirmatory Factor Analysis (CFA) were used to analyze the data. The study’s findings demonstrate that pricing has a substantial impact on the adoption of electric vehicle.

Employee retention is one of the biggest challenges for HR in IT industry. It involves taking appropriate actions to motivate employees to stay in the company for long duration. The main focus of this study is to understand the factors which impact employee retention in software companies. For the study purpose sample of 7 software companies selected in Bangalore and structure questionnaire was prepared based various aspects of the software industry. An effort is made to discover the effectiveness of the retention of the employees in IT industry and how practical they are to retain employees for long duration. The results of this research study have shown that there is significance relationship between age, gender, years of experience with compensation & benefits.

                 The intention of the report was to discovery out the personal effects of the aggregation of PSTG  in the development of speed, Leg explosive power and passing qualityof school level volleyball game players. 60 volleyball players from the different schools of Bangaluru in Karnataka were designated as capable and their age scope from 14 to 17 years. The dependent were separated into 3 equivalent unit. The 1^st  group underwent PSTG (n=20), the 2nd group underwent STG (n=20) and the 3rd group acted as the CG they did not exercise any particular training. The designated changeable were measure by the velocity (50mts run test), leg explosive power (vertical jump test) and passing ability (Brady volleyball game test) behavior earlier and later the 12 weeks of activity program. The information was unanalyzed by the analysis of co-variance. The PSTG showed greater improvement in the speed, leg explosive power and passing powerthan the other three groups of the STG and CG.

The embodiment of Islamic banking is so not the same as traditional banking, as it employments a risk-sharing procedure that provides a genuine opportunity to consider whether or not the way in which ordinary banking is attempted still remains the finest alternative, in all cases couple this with the fact that there has been increased globalisation of financial services, in recent years, and the opportunity to use Islamic financing principles in a wide range of countries is now much more relevant. Concerns have been raised about the activities of the conventional banking sector, particularly following the recent financial crisis. Accordingly, taking a gander at choices, for example, the Islamic financial area is a genuine chance to roll out appropriate improvements. Despite this, there are challenges confronting the Islamic banks in attempting to acquire general allure. One of the major issues is the fact that many Islamic banking establishments are dealing with developing countries which have their own set of challenges, especially in times of economic difficulties. Besides, the legitimate structures encompassing Islamic keeping money have not kept pace; As a result, many of the Islamic banking rules and regulations are outdated and will no longer help the core of how Islamic banks operate. With this in mind, it is proposed that a much stronger legal structure is needed to promote Islamic banking, and that, in the long run, Islamic banks are unlikely to gain widespread global acceptance. It takes time to persuade investors all over the world to change their ways, and trust must be earned. Nonetheless,, without having a legal structure in place, it is difficult to gain this level of confidence; therefore, getting the frameworks in place will be a crucial part of ensuring that the Islamic banking sector is in the appropriate place to benefit from a period of growth which is likely to take place as part of the recovery from the current economic position.

This Report examines the “The Impact of Brand Equity on Consumer Purchasing Behaviour at Merino Laminates” Consumer behavior involves the psychological processes that consumers go through in recognizing needs, finding ways to solve these needs, making purchase decisions (e.g., whether or not to purchase a product and, if so, which brand and where), interpret information, make plans, and implement these plans. Consumers often buy products not because of their attributes per se but rather because of the ultimate benefits that these attributes provide, in turn leading to the satisfaction of ultimate values. The results have been analysed and interpreted using SPSS software and the following statistical tools, Oneway Anova, Correlation, and Multiple Regression.

Chit fund institution is indigenous, simple, easy, readily understood, and widely accepted by rural and urban middle-class people. It is a popular borrowing instrument. The aim is to pool small savings managed by a foreman who acts as a trustee-cum-supervisor for the process of collection and allotment for the pooled amount to catch members by rotation. Chit funds represent an ancient form of savings and credit institution before the banking system in rural India. Most of the financial needs of rural and urban middle-class people are taken care of by Chit funds. They meet their specific needs for large family functions, festivals, education, housing, agriculture, business, and medical expenses: most people, irrespective of urban and rural, avail this avenue for reasonable returns. Chit funds offer complete parallel banking services as a vast network of small business people, homemakers and salaried individuals. The popularity of chit funds has not been affected by the increased awareness of the mutual funds and equity market. The chit funds played a crucial role in the Indian financial system and worked as a bridge between the age-old financial practices and the modern banking system. Today chit fund in India is highly standardized and stands in the financial industry's status. Even after the enormous expansion of bank branches all over the country, chit funds continue to exist and expand more popularly than banks in many regions of the country.

Human Resource Development is the term used to describe the process of developing human resources. Human Resource Management is a philosophy, whereas Human Resource Development refers to the activities and processes that promote the intellectual, moral, psychological, cultural, social, and economic development of individuals in organizations in order to help them reach their full human potential as community resources. It is a constant process in which personnel are aided in developing their abilities in a systematic manner. Human Resources Management is responsible for maximizing efficiency and profit, but in the new environment, the function of HRM is changing Because of developments in government policies, unions, labour laws, and technology, the role of HR managers is fast evolving. Organizational trends, human resource planning, job design, motivation, recruitment, skill development, and employee interactions have all been observed. Human Resource Management may effectively address the difficulties if correct solutions are used. As a result of the changing environment, Human Resources Management will play a larger role in the future. This study aims to explain the current state of human resource management.

The objective of the research is to measure the usage of Information Communication Technologies (ICT) and digital instruments in different category of Indian Farmers, to facilitate agribusiness and making it sustainable. The research article also laid emphasis on on the various digital tools and facility available for Indian farmers.

The total world was affected by the COVID-19 pandemic from January 2020 onwards. Till today the impact of the pandemic is there and our Nation, India is coming back to new normalcy. Each and every sector of the economy, in India got affected by the pandemic. Various businesses had to undergo completely unexpected and challenging situations and required to formulate new strategies for their survival. Under such category majority of MSME’s, and labour force in unorganized sector, such as construction workers and artisans faced a challenging situation for their own sustainability. In India, un-organized sector got effected very badly. For example, handloom industry is one among them. Few selected industries, such as pharmaceutical, healthcare, online education, e-commerce and packaged consumer goods are benefited from the COVID-19 /pandemic and even the society got the benefit of additional employment with different skill sets. Unorganized sector like Handloom industry faced the challenging situation during the COVID-19. The artisans suffered a lot without work orders and sales. This study throws a light on the weavers of Warangal, who are famous for weaving durries. Their product is recognized with prestigious Geographical Indicator (GI). Main aim of this paper is to analyze the challenges of durrie weavers in pre and post pandemic period in India and to identify new strategies adopted by the weavers during the COVID-19 and suggest the marketing strategies to be adopted based on the results obtained from the study. This study includes two co-operative societies i.e., Shatranji & Nawar co-operative society and Kashivisheshwara co-operative society. The study used tools named as correlation analysis and Chi-Square test for analyzing the data.

The study revealed the realities about staff engagement strategies used in Delhi's retail sector. Initiatives to increase employee engagement are thought to be a useful tactic for success, The goal of the study is to determine how engaged employees are with their workplaces and how it affects their overall productivity. To understand the effect of engagement on performance, several factors are used. The idea is that employee engagement motivates workers to increase organisational performance, decrease attrition rates, enhance their health, and feel better about going to work. Total (112 respondents) were selected as the population. As per secondary, several factors affect employee engagement, and effective engagement methods are crucial to the profitability of the retail industry as well as the professional development of workers.

Shipping is the driving force for the global economy. Without shipping, worldwide trade would not be practicable. Globalization has increased trade activities and given rise to phenomenal growth and development in maritime transportation. Recent reports suggest that seaports are responsible for over 90 % of world trade. Disorganization in port operations excites a high cost of business, which destroys the economy. There are many ways to gauge the efficiency of ports and there are also several important factors, which require to be analyzed for enhancing the efficiency of ports. The study of port performance and key contributors is not similar for every port, because of different infrastructure and facilities. This research aims to identify and assess the key determinants of performance, which apply to Pakistan’s Karachi Port, and finds out ways to improve upon the delay causative factors for enhancing efficiency

The Organisation for Economic Co-operation and Development (OECD) and its International Network on Financial Education (INFE) is working constantly for the understanding the level of Financial Literacy (FL) and measures to improve it at global level. Government of India has also followed the definition of FL provided by OECD/INFE and further working on the lines of improvement of FL level in the country as the improved financial level of countrymen will also support the development of economy. Indian Government has made its vision very clear about FL that every Indian shall be financially literate and empowered. To achieve this vision Government of India has designed National Strategies for FE time to time. The current National Strategy for Financial Education (NSFE) is designed for the period of five years from 2020 to 2025. This NSFE (2020-2025) policy is designed with a holistic approach to make Indian citizen aware about financial education (FE) related to banking services, financial market services, loan facilities, insurance cover, pension plan the working of all these. Strategy also discusses about the strengthening of banking ombudsmen and other consumer forums for the protection of consumer rights effectively. This study is an attempt to understand the effectiveness of the efforts of government to reach to common people to improve their FL level. Study is conducted in Mumbai Metropolitan Region area to know how the people of the financial capital of the country are equipped with FE. The Study is however, limited to understand the awareness level of people only about insurance and pension related concepts.

Tourist’s satisfaction with a holiday destination is the key to its success and also determines the behavioural intentions of the tourists to revisit. The satisfaction of the tourists with the destination always remained a crucial topic for research, however, there has been a very limited investigation done on beach destinations in India. This paper is an attempt to identify the destination satisfaction attributes for the tourists in the State of Goa also called as the beach capital of India. A questionnaire based survey was conducted with a sample of 285 tourists visited Goa and stayed in different hotels and resorts. The results revealed overall satisfaction except with few destination attributes. The study will be useful for the destination marketing organisations to frame a suitable strategy for the overall satisfaction of the tourists in Goa.

Over the last few years, Stock markets around the world has witnessed major changes in terms of participation of retail investors. One of the key factors behind these changes is the availability of investing opportunities via online and mobile trading. With reduced transaction cost and ease of access, stock markets have become almost within a reach of hand, especially for retail investors. We find that financial technology has enabled more small investors to enter into the stock market than the large investors because of low cost and ease of access.

This research article aims to “To measure the impact of key predictors of job satisfaction on job performance of employees in IT industry”. The paper applies data reduction using Confirmatory Factor Analysis (CFA) on a sample of 364 respondents drawn from IT industry in the Bengaluru and condenses a set of 12 job satisfaction items converted into a four key predictors. The present study proposes a model of the impact of key predictors of job satisfaction on job performance. The study found that pay, supervision, work itself and promotion are impacting significantly the job performance. Therefore, IT companies should focus on the above factors to job performance of employees. The study investigated the impact of key predictors of job satisfaction on job performance of the employees in IT industry concluded that pay had the highest impact on the job performance of the employees’ supervision, work itself followed by promotions

Management of employee turnover is very essential condition of human resource management. Hiring the right people is the biggest challenge that HR department faces today. Sometimes candidates are not proficient enough for the job but they say yes to impress the interviewer to get the job, but after sometimes they realize that there is no match between them and job, so they start looking for another option. Employee Retention has contributed substantially to the economic power of the company, but they face the problem of employee turnover that affects the organization because if the turnover of employees increases in the organization than it will affect the productivity of the organization. So, to improve the productivity and performance of the organization current study is conducted. The current study is an attempt to identify the impact of factors (Organizational, HR, Personal and Job-related) on the turnover intentions amongst the employee's in Indian IT Sector. Data was collected from 660 women employee's working in Indian IT Sector. Primary data is collected from five major IT companies i.e. Wipro, Infosys, HCL, Accenture and HCL. Various dimensions of both the constructs are available in the literature but selected dimensions of both the constructs are used for drawing inferences that help organizations in identifying factors that affect turnover intentions.

Goods and Services Tax (GST) is a comprehensive tax levy on manufacture, sale and consumption of goods and services at a national level. The GST regime holds an enormous opportunity for various sectors of the economy and is expected to herald a new era of indirect tax regime. By replacing various indirect taxes, GST is expected to be a key step in the field of indirect tax reform in India. The uniform tax reform under GST is expected to provide a uniform market for MSMEs. By cutting down multiple taxes, this reform will increase the flexibility in transfer of goods, hence reducing the total business cost. While the lower Goods and Services Tax (GST) rates may lead to a decline in inflation, economic growth may not improve significantly in the short term even though it will benefit both India Inc and the government in the medium term. Present study carried out in Peenya Industrial area, Banglaore city with a random sample of 110 responses. It’s concluded that there is significant relationship between dependent variable GST impacts on MSMEs.

Employee retention is one of the biggest challenges for HR in IT industry. It involves taking appropriate actions to motivate employees to stay in the company for long duration. The main focus of this study is to understand the factors which impact employee retention in software companies. For the study purpose sample of 7 software companies selected in Bangalore and structure questionnaire was prepared based various aspects of the software industry. An effort is made to discover the effectiveness of the retention of the employees in IT industry and how practical they are to retain employees for long duration. The results of this research study have shown that there is significance relationship between age, gender, years of experience with compensation & benefits.

Work-life balance is one of the supreme challenging issues being encountered by the women employees in the 21st century. Work- life balance means the extent to which the employee feels contented and have his or her needs fulfilled in both professional and personal faces of life. In the recent time the issue of work-life balance has gained more concern due to the reason that an individual’s work life and personal life may present contradictory demands, while demand from both the spheres are equally important.  Work life balance and Job satisfaction are the prominent research studies that most of the companies are investing their time to identify various job satisfaction variables. Present study makes an attempt to study the job stress and the work life balance of women employees working in public sector banks in Bangalore City. The study was carried out on primary data from State bank of India, Indian Overseas Bank and Punjab National Bank with sample of 212. . The data are analyzed using various statistical tools and methods on SPSS 28. Present study reveals that there exists a relationship between job stress and work-life balance among working women in selected banks.

A measure of the benefit of having a recognizable and quite well brand is brand equity, or the maximum power a strong brand has in the customer's mind. Brand equity is built by providing great customer experiences that encourage people to choose them over rivals that provide identical items. Banking sector, now-a-days, are having cut throat competition in almost all the scheduled commercial banks of India. This shows that banks should maintain its brand equity to compete with other banks. According to Aaker, perceived quality, association, loyalty and brand awareness are the variables to measure Brand Equity. The study took the help of customers of the PSBs and PVBs of India to measure all the variables of brand equity

Over the last few decades, information technology has expanded rapidly, and accounting and auditing have become increasingly vital due to the opportunities discovered. Artificial intelligence (AI) and robotic process automation (RPA) are believed that automation of decision-making systems and systems that require human intervention would become increasingly vital for dealing with change. Because technology develops quickly, integrating AI into accounting and auditing systems is a high-risk proposition. However, there aren't enough theoretical frameworks to fully explain how RPA and AI can be used to re-engineer the accounting and auditing processes.
This study encapsulates the evolving RPA and AI ecosystem to address this research gap. It identifies critical challenges that must be overcome to successfully implement such auditing and accounting systems from the Indian perspective

The research article titled, “A Study On Effective Training And Development In Insurance Agencies At Chennai” aims at analyzing the training and development methods which is giving by insurance agencies  at Chennai. The research study  will helpful to find the the employees and agents satisfaction level of existing training methodologies practiced in the insurance agencies. The research study is based  on the primary data collected through questionnaire method. The questionnaire consists of well-structured open-ended, closed-ended, dichotomous, and multiple choice questions. The sample size is 120 to be considered. Convenient random sampling technique is applied for selecting sample size of the respondent.

Financial literacy is a combination of skill, knowledge and attitude towards financial related aspects of an individual. It provides to take proper financial decision for the person who need of it. Research has been organized throughout the world in order to identify and measure the financial literacy level .The government has been conducted a financial literacy survey in our country. In general most of the survey insist to find the level of financial literacy. This article focuses to identify the level of financial literacy of the youngster in Chennai and it identifies the Excellency with respect to financial decision. This study identifies that income, qualification, gender and age affects the level of financial literacy. It also finds out the financial alternatives preferred by youngsters. With the help of this study required strategies can be identified and for the betterment in financial decision by the youngster in Chennai city

An organization's progress depends on employee engagement and performance. The satisfaction level also leads to their performance as well as the organization's overall growth. Customers perceived  State Bank of India as a reliable bank especially in rural India and the employees doing the job in that bank are regarded as the caretaker and custodians of the villager’s hard-earned money. The study analyzes the effect of employee engagement of non-managerial employees at SBI in the Raipur region of Chhattisgarh on their employee performance when mediated through their job satisfaction. The predictor variable was employee engagement, the mediator variable was job satisfaction and the dependent variable was employee performance. The findings revealed that there was a significant indirect effect of Employee Engagement on Employee Performance through Job Satisfaction.

Family buying decisions are significantly influenced by children. In the past, kids had much less market knowledge than their parents did. But now children are the first to learn about new things. Children today only watch as their parents make purchases. Children not only receive first choice of their own belongings but also of practically all other family members' belongings. The purpose of this study is to examine the influence of children on family shopping decisions utilising four distinct items. So this study looks into a range of variables that directly influence a family's purchasing choice. The study uses a descriptive research methodology using 153 samples.  It has been collected from the respondents using a data collection method called a questionnaire. The data analysis method employed is the percentage method. The results demonstrate that most parents give importance to their children's requests because they think their child's choice is wise.

According to the recent recommendations of the Basel committee, the modeling of the flow of the demand deposits is a major issue in the Asset Liability Management. In the present work, we propose a modeling of the flow of the demand deposits (unpaid accounts) of the Moroccan commercial banks. The data have been extracted from the Bank Al-Maghrib (BAM) in order to liquidate the stable portion of these deposits according to the time that the bank can use to grant loans while minimizing the risk of the transition and liquidity. It is found that the deposits of the clients show no apparent behavior in relation to their demand deposits. This results will permit the bank do not take into account the factor of the short-term interest rate as affecting the available volume of a current accounts.

The purpose of this research is to look into the qualifying effect of capital structure components on the accounting-related quality of judgement and decision-making (JDM). The framework is used to study the    variation in JDM quality by taking the practical significance of the study in an applied field. The study found evidence that different capital structures having both secured and unsecured loans have an impact on accounting-related JDM quality by studying the transformation in the net worth as a result of the volatility of earning and the economic consequences of 3 C dimensions on earnings are analyzed to measure the JDM quality.  This study documents a variation in the quality of the informativeness of the treated firm’s financial reports. As a research method, we undertook the one-way Annova   The study concluded  that the Hybrid and high debt capital structures with both secured and unsecured loans influence the adoption of aggressive accounting practices and, as a result, a reduction in the informativeness of firms’ financial reporting.

Rural production systems and sociocultural structures are changing in Uttarakhand due to excessive male migration. These women who are left behind have seen observable changes in their lives, such as job loads, household responsibilities, and the methods of earning a living. The scaling of agricultural sector in the state is now totally dependent on the efforts put in by the women farmers. The current study is an attempt to bridge the gap between the current status of women farmers in the state and the challenges needed to be addressed for efficient local crop cultivation. Two villages from the Uttarkashi district were studied using a case-control design. The data collection method used was a quantitative approach, involving 80 women who responded to household surveys. Secondary data was also used to assess the current situation of local food farming in the state of Uttarakhand. The findings of the study reflected through the investigation of socio demographic standing of women farmers in the state, illustrated the lack of resources and unfair trade practices by traders in agro markets during the monsoon season. Whereas secondary data revealed uneven distribution of cold storage units among various districts of Uttarakhand. 

This study tackles the debate regarding the effect of corporate social responsibility (CSR) performance on cost of debt. The relationship between corporate CSR performance and the interest rate of debt is examined using the system GMM technique estimator on 243 listed non-financial firms from 10 MENA emerging countries (Bahrain, Egypt, Jordan, Kuwait, Morocco, Oman, Qatar, Saudi Arabia, Turkey, and the United Arab Emirates) during the period 2011-2020. We provide substantial evidence that the association between CSR performance and the interest rate on debt - the accounting measure of the cost of debt, is significant and negative. This support stakeholders’ value maximization view and suggest that lenders reward better CSR performance. However, findings show that firms with more transparent CSR reporting are penalized by institutional creditors. Our findings provide more in-depth evidence on why companies should improve their CSR performance while paying more attention to CSR reporting practices.

Purpose: Celebrity endorsement has developed into a potent marketing tactic that helps businesses set themselves apart from rival brands in the eyes of consumers. The primary goal of this research is to examine how celebrity endorsements affect customer attitudes about beauty care goods.
Design/Methodology/Approach: A self-administered questionnaire was completed by 141 female’s respondent and data were being analysed with the help of factor analysis and structured equation modelling using SmartPLS. This study employed a single cross-sectional descriptive research design.
Findings: The results revealed that celebrity personality positively affects celebrity credibility, and celebrity credibility favourably affects the elements that influence celebrity endorsement of beauty care products, including product recognition, awareness and recall, positive word of mouth, and changing behaviour. It is also discovered that celebrity credibility has no beneficial effect on product inquiries.
Funding Statement: No specific grant was given to this research by any funding organisation in the public, private, or non-profit sectors.
Ethical Compliance: The 1964 Helsinki Declaration and its later amendments or comparable ethical standards were followed in all procedures carried out in studies involving human subjects. These procedures also complied with institutional and/or national research committee ethical requirements.  Note: This is not a medical research.

The study of the relationship between existing HRA competency and Return on investment (ROI) is a relevant theme. Though the role of employee-related elements of HRA (such as capabilities, motivation and opportunity; CMO) in influencing financial outcomes is relevant, there is no empirical evidence analysing the influence of these variables in the HRA competency-ROI relationship. Using a sample of HR professionals (n = 230) in private organizations in Bangalore, India, this paper tested the hypothesized model using SEM. The present paper examined the mediating effects of capability, motivation and opportunity on the relationship between the existing HRA competency and ROI. Likewise, this study tested the differential effect of capability, motivation and opportunity on ROI. The findings of the study identified a positive and significant relationship between existing HRA competency, employee motivation and ROI. Besides, ‘opportunity’ was identified as a significant mediator of the link between existing HRA competency and ROI. Concerning the differential effect of the individual employee-related variables, the present study revealed that ‘opportunity’ was more strongly related to ROI than ‘motivation’. As one of the first, this paper presents a framework that explains how HRA competency influences ROI through CMO.

The term "cloud storage" refers to a variety of online services that enable users to store and share digital media such as documents, data, photos, and videos. You may access these files from anywhere and on any device (laptop, mobile phone, tablet etc). With cloud computing, users are able to allocate their computing needs among a shared pool of powerful machines, increasing their access to resources like processing power, storage space, and software services. There is a growing population of internet users who rely on cloud-based resources. Large amounts of data are transferred from users to hosts and from hosts to users in the cloud environment, but as demand for cloud services grows, the associated cost and complexity for the cloud provider may become unsustainable. There may be times when two or more users make a request for the same item. Given these constraints, it's not easy to decide which host to use to gain access to the necessary resources and build a virtual machine (VM) in which to run the necessary applications in a way that maximises efficiency while minimising costs. Scheduling tasks in a cloud computing environment to maximise efficiency is one solution to this issue. An approach to job scheduling is provided by this project. In this research, we make an effort to suggest a host selection model based on shortest execution time to reduce overhead.
The term "cloud storage" refers to a variety of online services that enable users to store and share digital media such as documents, data, photos, and videos. You may access these files from anywhere and on any device (laptop, mobile phone, tablet etc). With cloud computing, users are able to allocate their computing needs among a shared pool of powerful machines, increasing their access to resources like processing power, storage space, and software services. There is a growing population of internet users who rely on cloud-based resources. Large amounts of data are transferred from users to hosts and from hosts to users in the cloud environment, but as demand for cloud services grows, the associated cost and complexity for the cloud provider may become unsustainable. There may be times when two or more users make a request for the same item. Given these constraints, it's not easy to decide which host to use to gain access to the necessary resources and build a virtual machine (VM) in which to run the necessary applications in a way that maximises efficiency while minimising costs. Scheduling tasks in a cloud computing environment to maximise efficiency is one solution to this issue. An approach to job scheduling is provided by this project. In this research, we make an effort to suggest a host selection model based on shortest execution time to reduce overhead.
 

This study analyzes the medical equipment system's impact on patients' disease progression after being treated at Vietnamese central public hospitals. The study surveyed medical staff and patients treated at central public hospitals. The gathered information and assessment was used to evaluate the current state of medical equipment being used in hospitals. The study also compared the relationship between the medical equipment status and the change in health status after the treatment. Research shows that, although the socialization policy offers a good opportunity for hospitals to upgrade medical equipment, the current policies cause many hospitals to face legal problems and prevent patients from accessing higher treatment qualifications. Improving the health financing policy will thus improve central hospitals in providing healthcare services and create better conditions for Vietnamese people to access the health care system.

The global impact of the Coronavirus pandemic is unprecedented, and consequently the impact is even greater in emerging economies like India. Fast-moving consumer goods (FMCG) is one of the most important sectors in India, with numerous businesses, including domestic, care, and so on, that are in high demand, regularly consumed, and services are offered for a minimal cost. This paper is a decision to investigate the COVID-19 epidemic in the FMCG sector.

Organic Products refers to the process of selling the products and services based on their interest and environmental benefits to the society. Organic Products is typically practiced by many environmental companies that are committed to environmental and social responsibility. Organic Products is a new strategy to protect society and environment. The main thrust of the study is to measure the relationship among consumer awareness and perception toward Organic Products. It is found that there is association between gender and annual income of consumers in Bangalore city and concluded that there is relationship between consumer awareness, consumer perception, environmental concerns, and consumer buying decision of Organic Products in Bangalore city

On-line shopping is a recent phenomenon in the field of E-Business and is definitely going to be the future of shopping in the world. Most of the companies are running their on-line portals to sell their products/services on-line. Though online shopping is very common outside India, its growth in Indian Market, which is a large and strategic consumer market, is still not in line with the global market. This new shopping technique is innovative in nature. As compared to traditional way of doing shopping, it not just brings an incredible    number and extensive   variety   of   stock   to   the   purchasers; additionally offers a far reaching market and endless business opportunities. The data was collected through Questionnaires on a sample of 580 respondents from Bangalore City. Simple random sampling method has been used for data collection. Both primary data and secondary data has been collected for this study

This paper empirically examined the impact of employee job satisfaction on organizational performance in large and medium scale manufacturing industries. It notes that Employee job satisfaction is vital for improved organizational performances. The paper tells that an employee with a high level of job satisfaction holds positive attitudes towards his job. On the contrary, an employee who is dissatisfied with his job holds negative attitudes about the job. The aim of this study is to analyze the impact of employees job satisfaction on organizational performance among the employees working in IT industry in Bangalore and also to explore the link between job satisfaction and organizational performance and to determine if there is an empirically provable relationship between these two variables, and the direction and the intensity of this relationship. Empirical research was conducted on a research sample of five software companies (TCS, Wipro, Infosys, Accenture and IBM) with 155 employees surveyed. The results of this study show the existence of a clear link between employees’ job satisfaction and organizational performance in both directions, but with pretty weak intensity. Study concluded that job satisfaction determines organizational performance, rather than organizational performance determining job satisfaction.

In the study that has been conducted on a methodical approach to innovation through sustainable development methodology, the authors majorly focused upon three components: business process reengineering, strategic business units, and the leadership that plays a critical role in being innovative and creative thereby generating organizational alternatives.  Organizational alternatives shall always be explored depending on the business needs through which they see the future for the organization’s sustainability.  The authors explore the significance of these three components and the associated elements surrounding sustainable development methodology with reference to leadership in this article.  The components will significantly contribute to the creativity and promotion of organizational alternatives.

This research paper focuses on exploring theusageof humour by themanagers while connectingwith their teams. The objective is to study which humour style is effective in reducing the stresslevel and increasing the job satisfaction level of the team members using K- means cluster analysis.120 team members evaluated their manager’s humour. K- means cluster analysis reported specific humour clusters. Theresultsconfirmthataffiliativehumour and self-enhancing humour decreases the stress level of the team members and increasesthejobsatisfaction. The findings suggest that managers who apply self-defeating and aggressive humour are most likely to damage the manager and teammember’s relationship.  It is also observed that usage of negative humour is most likely to becausing strain than not using humour at all, while interacting. This study helps managers to identifythemosteffectivehumourstylestobeadopted,whileengagingwiththeirteams

The stock market is a crucial aspect of not just India’s financial market but of the world’s economy as a whole, as it results into massive investments performances. In the fast-moving financial scenario, the traditional finance is unable to explain the irrationality of an individual investor, as they are irrational and influenced by irregularities in financial market. Behavioural finance has earned a lot of significance through its attempts to discover such causes which are behind an investor’s behaviour. The objective of this research paper is to investigate the key impact of behavioural biases in the investment decision making of individual investors. The study consisted of 378 individual investors trading in Indian stock exchanges and data was collected through a questionnaire developed for the purpose of research. The questionnaire was empirically tested after approving its reliability and validity. It is interesting to know the impact of different emotional biases affecting the investment decisions of individual investors. Loss aversion bias, Status quo bias and Optimism bias were studied.

Employment has been an obvious marvel in the development of new women entrepreneurs. Men or women are equally endowed with psychological and physical abilities along with managerial abilities that are essential for being a successful entrepreneur. Women are certainly not inferior as many of them are ready to undertake the various type of work if opportunities are provided (Singh N. P., 1985). Nearly a decade back, the International Labour Organization (ILO) 1998 World Employment Report characterized the informal sector in the following words: "Informal units comprise small enterprises with hired workers, household enterprises using mostly family labour, and the self- employed. Women entrepreneurship development can be identified by the motivation amongst women, knowledge and awareness, skill enhancement and training, Decision making and Risk-taking abilities. The objective of the paper is to identify the major challenges and cultural and economic barriers faced by women entrepreneurs in Rajasthan that creates a hindrance in the growth and development of Women entrepreneurship

As the corporate world is going worldwide, the business is encountering a shift from a conventional financial structure to a modern capacity-based economy which is ready to explore green economic facets of business. Today, Green Human Resource Management (GHRM) has become a key business methodology for the critical associations where Human Resource Departments have a functioning influence in practicing environmental awareness at the workplace. The purpose of this study is to examine the perception on Green Human resource Management among different levels of IT employees from various organizations in Bangalore City. A combination of quantitative and qualitative research methods are employed to gather information. Specifically, data are collected from 155 employees in selected firms in Industry. Study revealed that there is significant relationship between Recruitment and Selection, Training &Development, Performance Appraisal &Rewards in Human Resource Management Practices of selected companies in the IT industry.

The main goal of the paper is to obtain quantitative describing the actuality of E-Commerce shopping in the case of the Retail Industry in Bangalore city. Online consumer buying behavior is not like a physical market having ability to touch, analyze, and thereafter shop the products. This study explores the effect of few variables, derived from existing literature. Those variables are perceived benefits, domain specific innovativeness, and shopping orientations, i.e., impulse- purchase orientation, brand orientation and quality orientation in E-Commerce companies (ebay, Amazon, Flipkart). For the study purpose data was collected by mean of the questionnaires. The findings indicated that domain specific innovativeness and shopping orientations have positive impact on consumers’ buying behavior towards E-Commerce. Therefore, consumers are showing an interest to online shopping because of recent development of retail industry in Bangalore city.

The 1921 Physics Nobel Prize Winner, Albert Einstein in his 1941 “Science and Religion” expressed that “Science without religion is lame, religion without science is blind”. His deep conviction and concern for “religion and God” also have been expressed in his obituary issue of New York Times of April 15, 1955 thus: “My religion consists of a humble admiration of the illimitable superior spirit Who reveals Himself in the slight details we are able to perceive with our frail and feeble minds. That deeply emotional conviction of the presence of Superior Reasoning Power, which is revealed in the Incomprehensible Universe, forms my idea of God.”

The case represents a company named Vibrant Paints who faced a huge loss because of a decision taken by the accounts manager to stop paying transit insurance. It tells about the incident that a company faced and they suffered losses for several years.
One evening Akhil was sitting in his office and was just thinking about the sequence of incidents that had happened a few months ago. He was trying to understand the impact of the decision about transit insurance on the reputation of the company. He was planning to meet his friend Sonu who is the marketing manager to understand the sales growth of the products sold. Just then he got a call from the CEO of the company to meet him.  

Empowerment is a process that is both individual as well as group oriented, since it is through involvement in groups that people most often believe to develop their awareness and the ability to organize and take action to bring about change, often leading to improved decision making capacity at home and at the community level, and greater participation in politics. In the process, empowerment will help women make better use of their talents to lead better lives. They do not aim at being superior to men. They respond as equal and cooperate in order to work towards the common goal. It is therefore a process aimed at changing the nature and direction of systematic forces, which marginalize women and other disadvantaged sections in a given context. The process of women’s empowerment should be critically linked to the issue of sustainability of their own livelihoods. If and only if a woman’s livelihood is ensured in a sustainable manner, would she be a willing stakeholder towards her empowerment. Women’s empowerment needs to be both realized as well as assessed are social, political and economic. Women’s empowerment and women’s education faces a number of social, cultural, economic and psychological barriers which has been highlighted through this paper.

The focus of this research is to provide a critical analysis of the marketing orientation and marketing practices in small and medium-sized businesses (SMEs). Bibliometric review is selected for the study to understand the most significant countries engaging in the marketing orientation research between 1996 and 2022. This study includes 474 papers from Scopus listed journals during stated time. Study focuses on the citations and publication details of the articles and research papers based on marketing orientation and marketing practices in SMEs. In this study a Bibliometrix, an open source ‘R’ software used as a mapping and visualization tool to perform intricate bibliometric analyses. It has been observed that maximum research papers are published with Journal of Small Business Management and Journal of Business Research. Research author Gilmore A and O’Dwyer M has published maximum documents 11 and 10 respectively. It has been observed that after 2012 till 2020 more number of publications done in this area.

At the conclusion of each day, working women in government and private hospitals have the issue of balancing their professional responsibilities with their obligations to their families. The majority of women work full-time, and 53 percent of them are having trouble striking a healthy balance between their professional and personal lives. As a result of having to juggle many duties at work and at home, many women have complained that their lives have grown increasingly complicated. They can foster an environment of support to assist these women in striking a healthy balance between their professional and personal lives. The authors of this study investigate the quality of work-life balance of female nurses

Iraq suffers from the chaos of economic openness to the outside world in terms of investment, financial and commercial investments, especially foreign trade. Therefore, we find that the liberalization of foreign trade after 2003 made the Iraqi economy dependent on the economy of other countries, and this led to an increase in economic exposure to the countries of the outside world and a decrease in the contribution of the agricultural, industrial and service sectors to the formation of the gross domestic product. One of the most important conclusions of the research is to work on reducing dependence The oil sector should finance Iraqi exports and work to benefit from oil revenues in increasing the production capacities of the various economic sectors.

Basketball is a popular team sport and physical fitness along with strategic game play is the key aspects of this game. Here in this concern article aim is to have an investigation of various effect of resistance training for skills and fitness development of School players in basketball.  There several kinds of free hand exercises are involved in resistance training such as Deadlifts, Push Presses, push press, Bench Press, Squats, Rows, running etc.  This concern resistance-based Exercise increases the skills of shooting, dribbling, defending, rebounding, and passing in the game of Basketball.  Resistance training has helped a player to gain acrobatic ability, speed, and endurance. In schools ground and basketball court an school play usually add resistance for practices, these resistance training Is resistance training good for basketball movements. Player jump developed physical ability to jump higher, build strength, dribble down the court faster, and get on defence quicker and to be a highly trained, all-around better player.

The word Savings and Investments are interchangeable in nature which plays an utmost importance in every person's life. Savings on one hand is to put money safely in a bank account while investing on other hand is to create a gradual increase in the wealth. There are various types of investment avenues available in India. People across various generations depending upon their objectives invest their money into various avenues available. Generation Z who are from mid 1990 to 2010 are the targeted population undertaken in this study. The study is an attempt to understand the awareness and the perception level of Generation Z population towards mutual funds as an investment objective. The sample chosen were from Mumbai city using simple random as the sampling technique. The three major variables studied were risk, returns and liquidity with respect to awareness and perception. The data was analyzed using regression and ANOVA technique. The study showed the investment pattern dependency was more on liquidity.

e-RUPI is a cashless and contactless instrument that will be used for making digital payments. The digital platform of the payment has been developed by the NPCI i.e., the national payments corporation of India on its platform based on UPI basis. It is digital payment voucher which promises to cut through the need for a payment app, internet banking or even a debit card. The whole digital platform has been devised in consultation & collaboration of Department of Financial services, the Ministry of health and family welfare and the national health authority. The present learning has examined Behaviour and attitude of individuals towards the satisfaction the new digital platform provides thereby creating value addition to the users. It has been evaluated that the recipient of e-RUPI digital payment tool has expressed their optimism towards this platform and claimed that will create a win-win situation for both the users and also the companies. The learning depicts socio-demographic factors, attitude & value creation as a crucial factor towards the adaptation of the e-RUPI.

Central Bank Digital Currency (CBDC) is a digital form of currency notes issued by a central bank. While most central banks across the globe are exploring the issuance of CBDC, the key drives for its issuance are specific to each country’s and concentrate on the exclusive requirements. In the Union Budget 2022-23, Finance Minister of India Mrs. Nirmala Sitharaman had announced about RBI rolling out a digital equivalent to the rupee in the current financial year (2022). The research paper aims to study and understand the significance of Digital Currency and its prospective impact on various stakeholders such as retail customers, corporate customers, domestic banks, international banks, fin-tech solution providers and especially central banks operations and processes. The present study is descriptive in nature and based on secondary data.

The explanatory research is designed to find out the retirement planning behavior of different working professionals of Mumbai City. The study attempts to understand the objective of the retirement planning of working professionals of different age cohort and their investment preferences to achieve their retirement objectives. The study also tries to found out the relationship between retirement planning and the different factors affecting retirement planning. 161 working professionals of different age groups have been taken for the study from Mumbai City. The study also aims to understand that does the investment avenues preference differ from different age cohorts?

Language plays a crucial role in the construction and maintenance of ethnic identity. The ethnicity has a more striking relationship to language than other social factors such as gender, age, or social class. Thus language is only one factor in the ethno linguistic description of a people, or an ethnic group. Language is a primary characteristic and an always present characteristic of ethnicity. Without language you would have an incomplete description of ethnicity. Language is the primary component of ethnicity. What is ethnicity? Is there a 'white' way of speaking? Why do people sometimes borrow features of another ethnic group's language? Why do we sometimes hear an accent that isn't there? Drawing on research from a range of ethnic groups around the world, it shows how language contributes to the social and psychological processes involved in the formation of ethnic identity, exploring both the linguistic features of ethnic language varieties and also the ways in which language is used by different ethnic groups. Complete with discussion questions and a glossary, Language and Ethnicity will be welcomed by students and researchers in sociolinguistics, as well as anybody interested in ethnic issues, language and education, inter-ethnic communication, and the relationship between language and identity.

An entrepreneur is an individual who tries to utilize the maximum available resource to attain maximum gain. Entrepreneurial behaviour is often motivated by a variety of factors, including a desire for personal achievement, a goal for financial gain, and a motive to help others. Countries worldwide have understood the importance of entrepreneurship and provided opportunities to women to  start ventures that improve the country's economic growth and raise living standards. According to National Statistical Office (NSO), 2021, the literacy rate in India is  77.75%, the male literacy rate is 84.70%, and women with 70.30%. Women contribute 48.36% of the Indian population, but participation in economic activity has declined to 16.1% due to the COVID crisis. In this paper, we tried to explore the significant challenges that Women Entrepreneurs faced during the world's major pandemic, COVID-19, and propose the suggestions that would help create the policies that allow women entrepreneurs to consider the uncertain effects faced during the pandemics

In contemporary times of today (volatile, uncertain, complex & ambiguous-VUCA environment), with all other resources being available affordable & accessible, it’s the only talented human resources which could provide cutting edge services to the company. Hence every company would be striving for attracting & retaining the talented people. Needless to say an effective employer brand helps in attracting the talent and reduces the recruitment costs, apart from helping the company in retention of employee. Further, it also helps in improving the performance, through reduced absenteeism and improved work performance.

Television is perhaps the most grounded medium in a general public.  Because of its scope it has the ability to impact culture of a specific nation. To the extent worldwide business is concerned publicizing is one of the essential parts in promoting the executives. It is, in fact, the most prevalent and alluring method for presenting goods and businesses to the general populace in today's civilization. Promotions form opinions and convictions on any goods or services. Magazines, newspapers, TV, and radio without commercials are now impossible to forecast. An enormous sum is going through in notices each year by the Indian ice cream parlor players for their items and because of this non-marked and nearby item has seen decrease in their deals. These promotions have direct effect on kids and kids are very sharp today. They are made mindful of such items such that they likewise realize different brands accessible in advertise for chocolates, chips, rolls and others. All the children irrespective of gender are affected by TV notice the extent that purchasing conduct is concerned. However, there is fairly contrast in the method for persuading guardians to purchase any item. But there is a slight difference of impact on gender that shows more on Boy child than Girl child. Because of these differences the researchers made a modest effort to focus on this area to prove that Impact ofadvertisement on Children Buying Behavior

In Vietnam, there has not been any research on behavior before using products and services - especially in the field of hotel services in the whole country as well as in Kien Giang province.
This study builds a theoretical model of the factors affecting the intention to use hotel services of customers based on the theory of spillover of innovation by Rogers (2003) (DIT) and the unified theory of customer satisfaction. technology adoption and use (UTAUT) by Venkatesh et al (2012). On that basis, the authors has built a model of factors affecting the intention to use hotel services of tourists in Kien Giang province, Vietnam, including factors: relative advantage, influence social, facilitation, hedonic motives, values, habits, customer innovation with 600 questionnaires.
 Combined with empirical investigation, the paper helps hotel businesses in Kien Giang province and in nationwide to better perceive marketing activities and as well as making recommendations to enhance marketing capabilities, and attract more tourists to hotels in next time .

Productivity is one of the important measures which helps for growth and development of economy of the country. The productivity plays a crucial part in organizational achievement of excellence which is essential for dynamic society. Optimum productivity of a company depends on coordination between all inputs that yield maximum profitability with minimum effort. Hence the present study focuses on an objective to identify and compare the factors influencing the Productivity as well as profitability Performance of select Public and Private sector banks in India. The sample consists of 20 Banks which were operating in India. The study period considered for the study is ten years from 2011-2012 to 2020-2021. The methodology which is used in the present study is Correlation analysis which helps to know the relationship between the select variables and Regression analysis is used to analyse the impact of select independent variables such as Sales Per employee, value added per employee, Profit before tax per employee, employee cost to sales and employee cost to value added on dependent variables like Return on Assets, return on Equity and Value added per fixed assets. Further Independent sample test is used to assess the relationship between Productivity and Performance measures of select Public and Private sector Banks in India. Thus, the results from correlation analysis indicate that almost all the independent variables except Sales per employee and employee cost to sales have significant relationship with dependant variables in both Public sector and private sector banks. The Regression result shows that Sales per employee is having significant negative impact on Return on Assets, return on equity and Value added per fixed assets. Independent samples test reveals that the Private sector banks are showing superior performance than Public sector banks.

The purpose of this research is to understand the resource-based view of the resource consumption of farmers. In farming sector there is a resource scarcity in terms of labor, seeds, electricity, water etc. The labor scarcity can be managed by own family members, but the other resources are expensive and not easy to substitute. Hence, this study tries to understand the difficulties faced by farmers in overcoming resource scarcity.
Design/methodology/approach:
It is a descriptive analysis based on demographic data collected from farmers using a structured questionnaire, confirmed after a pilot study. Crombec alpha was used to test the validity and it is more than 0.725. The consistency was tested by using test-reset method and t- test is used to test the consistency of data. This statistically insignificant (p>0.05). Convenient sampling is used for data collection.
Findings:
The Research Dependency Theory helps farmers in classifying the controllable and uncontrollable variables affecting agriculture and crop production. The examination of Research Based View Model helps farmers in acumen on crop production and sustainable development.
Research limitations/implications
Only one District is examined and wider research is essential, both of a qualitative and quantitative nature.
Originality/value
The research provides empirical support for the Resource Dependency Theory and extends the kind of its implication for farmers in facing the challenges of sustainable farming

The fashion industry has undergone significant transformation, specifically in the last two decades. Fashion industry changes have forced manufacturers to seek low cost and multiple options in design, as well as quick to market, which are crucial strategies for maintaining a beneficial position in an increasingly globally competitive market. The purpose of this article to review the literature on changes that have taken place in the fashion apparel industry since the 1990s, with particular emphasis placed on the development of the concept of "throwaway" or "fast fashion." It provides an overview of fast fashion v/s sustainable fashion from both a supplier and a consumer's point of view, and it attracts attention to a number of potential research questions.

Purpose-The current research paper elaborated effect of ethically-minded consumer behavior on the brand pledge to sustainable development and consumer perception and how it further impact “brand equity-loyalty-word of mouth statement.
Designing/Methodology/Approach - To evaluate proposed hypotheses, a quantitative study method with a close-ended questionnaire was structured to collect the responses with the convincing non-probability sampling method. About six hundred questionnaires were distributed among the various people and 217 valid responses were received back. To measure the participants’ response, 5- Point Liker Scale was employed. Smart PLS was used to analyses the collected data
Findings - The findings of the study recommend and allow an increasing series of suggestions for the brand holders to adopt sustainable development practices and it will raise the attention of the ethically minded consumers.
 
Research Limitations/Implications - The research was conducted in the cities of Punjab Pakistan. Where the level of education and earnings are high. This study should also be conducted in other cities of Pakistan. The researchers have conducted this study for the apparel industry it should also be conducted on the other industries. At the final note for the further study in line with this study mediated relationship between variables used in this proposed model should be done. The new variable can also be introduced like brand image, satisfaction, perceived quality. This study has several implications for managers and academia. As a result of exposure and information, consumer behavior has changed in Pakistan and requires that organizations and brands must take necessary steps for owing sustainable development goals. This pledge to sustainable development is completely supposed by the consumer to boost brand equity, Loyalty, and constructive word of mouth.
Originality/Value -  To the best of Author’s Knowledge no study has been conducted to measure the impact of consumer behavior on Brands commitment to sustainable development in the Apparel Market of Pakistan
 

The study develops and implements an integrated supply chain performance measurement framework that provides a more thorough approach to investigating supply chain performance measurement by merging supply network macro operations and decision-making levels. The conceptual model framework is built on performance and supply chain related theories. The study investigates the performance of supply chain integration along with the performance indicators in the textile industries in Ethiopia. The quantitative research was used to measure financial measurement indicators, Quality, time measurement indicators, productivity indicator measurement, internal supply chain integration, external or customer integration and information communication technology indicators. The data was treated using SPSS version 20. The data was collected from textile industry professionals through self-reported method and the common method bias analysis was done. The survey was administered/mailed to eighteen hundred (800) textile industry professionals and only (385) three hundred and eighty-five were able to complete the study questionnaire. Eight standardized, valid, and reliable questionnaires were adopted to collect primary data from the employees of top textile manufacturing Organizations’ located in Addis Ababa - Ethiopia. It was found that supply chain integration performance is influenced by the indicators such as financial measures, time, quality, productivity, internal supply chain, and external supply chain and information communication technology. Multiple regression analysis for the hypotheses indicated that: Performance sub-dimensions i.e., financial measures, time, quality, productivity, internal supply chain, and external supply chain and information communication technology significantly predicted supply chain integration performance in Textile industry.

India is set to become the world’s youngest country with 64% of its population in the working age of 20-59 by 2020(19). This demographic dividend offers India an unprecedented edge & could add a significant 2% to the GDP growth rate. The country needs a productive workforce that can make a significant contribution to India’s economic development. With employability posing a major challenge and the kind of disruption that’s taking place across the world, lifelong learning seems to be the only way to stay employable in the future. Learnability is something, which everyone needs to emulate and practice i.e. youngsters need to increase their learnings; educators need to update themselves on a continuous basis and employers need to measure and facilitate learning by their employees. With the recent Covid-19 Global Pandemic, it is set to disrupt the conventional classroom teaching and open up new vistas for Learnability.
Skills development and employment generation are critical factors from a sustainability viewpoint. Hence, B-schools in particular & other stake holders in general need to pay attention to this aspect on priority, lest the promising advantage of demographic dividend might wither away. The purpose of the paper is to look at the concept of Learnability, its importance and its impact on employability. Secondly what's that B- schools need to do to improve Learnability. In the process, the authors also look some of the B- schools & their various initiatives taken in this regard. This is purely an exploratory study based on secondary data, review of literature and expected to emphasize on the importance of Learnability.

Illegal levies such as ingrained in people's daily activities, and not infrequently, illegal levies are considered something that is commonly done in Indonesia. This study discusses the handling of unlawful levies carried out by the Illegal Levy Clean Up Task Force, including effectiveness and obstacles, as well as handling solutions with a planned behavior and technology approach. This research uses a qualitative research approach, where the data collection used is an interview, observation, and documentation methods which are then analyzed with interactive model data analysis techniques. The results of this study show that illegal levies continue to occur in the community due to the non-optimal enforcement caused by several obstacles such as the condition of the Illegal Levy Clean Up Task Force, which is not law enforcement, the lack of derivative rules, the establishment of an ineffective illegal levy eradication unit, the occurrence of multiple positions, and low community participation. The handling of illegal levies in terms of planned behavior aspects is carried out through socialization, rules, and an ecosystem of control functions that close space for illegal levy activities. Other things that need to be done to deal with illegal levies are establishing a whistleblowing system, strengthening witness protection, the obligation to form derivative rules, and handling illegal levies in a multilevel manner. In addition, technological aspects can also support the implementation of effective handling of illegal levies. The Illegal Levy Clean Up Task Force can establish a prevention system to accelerate coordination, mapping, and evaluation in eradicating illegal levies.

Rural-to-urban migration is an ongoing process under the current circumstances. 54% of the world's population lives in urban areas and has access to per capita employment resources. India and Nigeria have the highest growth rates, according to a United Nations report. This study is being conducted with the aim of analyzing the access to health care of the migrant population in Kewra Village, Haryana. Interstate immigrants are coming to Haryana and other metropolitan areas of India in hopes of a better quality of life, higher incomes, better education and better health facilities. But the harsh reality is that these development indicators are not readily available to the majority of the immigration-dependent Indian population. In Haryana, migrant workers are generally absorbed into the agricultural sector. These migrant workers are forced to work on the land of other farmers and landlords. They only contribute to the production of agricultural products and do not own any land within the state for their own consumption or farming. Some of these migrant workers tend to work in the same fields for long periods of time, earning a daily wage as a reward for their loyalty, but some are also promoted to share in the harvest. These migrant workers are an important source of capital and contribute significantly to the production of landlords and farmers

Finding jobs that best suits the interests and skill set is quite a challenging task for the job seekers. The difficulties arise from not having proper knowledge on the organization’s objective, their work culture and current job openings. Summer jobs are becoming year-round side work. Even I’m rolling up my sleeves on the path of researching the best apps that will put to work on tasks, jobs and chores in one’s extra time. We set the hours and the amount of time you want to carve out for this side work. An app for finding small paid work in your local area. It is for users who are in need of some quick cash and willing to do small works like repairing a computer, babysitting, mowing a lawn and other similar tasks

The concept of competency is crucial since it enables us to establish a systematic hiring procedure in order to evaluate applicants (Barbosa, I, Freire, C, & Santos, M. P., 2017, Ali, N. A. M., & Kasim, N., 2019). But it still has an issue whereby there is too many research on traits for Islamic finance graduates’ employability. Thus, the purpose of this paper is to analyse the right set of competencies as a scale to be used in Islamic financial institutions (IFIs). Using a qualitative method of library research, this paper found the right set of competencies for the graduates’ employability are interpersonal skills, knowledge abilities, Islamic values, self-management, time management, cognitive-analytical, cognitive-technical, enthusiasm, and language. Thus, this paper promotes the idea of a set of competencies for IBF graduates that meet the job vacancy demand of Islamic financial institutions.

Banks have now become an indispensible part of economic growth. The relationship between a banker and a customer exists in the banking industry for a variety of reasons, including financial strain, the possibility of failure, inadequate marketing tactics, and others. Although few banks make an effort to adopt customer relationship management, many banks adhere to traditional marketing techniques (CRM). Long-term customer retention is the goal of CRM. In this paper, the researcher aims to analyze how consumers view banking services and find out how they feel about customer relationship management. A total of 175 respondents have provided the data, and samples have been chosen from Chennai's public and private sector banks. To learn what they think of Factor analysis has been used in CRM. The study concludes by trying to offer advice to banks on how to enhance customer relationship management in order to thrive in a cutthroat economy

The disruptions created by COVID-19 has lasting implications on the countries across the world. Apart from impacting key sectors of the economy, COVID has significantly affected the financial sector causing volatility and changes in asset valuation. There is no doubt that mutual funds still remain the popular mode of investment during COVID-19 followed by equities. However, shrinking fees, reducing profit margins and ever-changing investors preferences along with the pandemic imposed new set of challenges for the fund managers. Using data envelopment analysis, this paper examines the efficiency of open-ended equity funds and select debt schemes during COVID-19. The analysis reveals that during COVID, equity schemes pertaining to large and multi-cap segment were efficient. But the efficiency of mid and small cap equity schemes was affected due to the high expenses’ ratio and volatility. Interestingly, all open-ended debt schemes were efficient during COVID with mean efficiency score more than equity schemes. As no single fund house is found to be efficient in all the segments, the investor can pick efficient schemes to construct optimum portfolio of mutual funds

This study aimed to highlight and determine the role of the tax on the total income of salaries and wages in tax collection during the period 2016-2021: a case study of the wilaya of Skikda As this tax represents an important percentage of the total tax collection in Algeria, and due to the decline in tax collection revenues in recent years resulting from the repercussions of the “Corona” virus, Regarding the reduction of the rate of application of this tax by the state, there was a need to combine these data to get out of the cycle of crisis and improve tax collection The study concluded with a set of results, the most important of which was the high relative importance of the contribution of the tax on wages and salaries compared to other taxes during the years of study .and Its impact on the repercussions of the “Corona” virus was less severe than other types of taxes, and its contribution rates to regular collection increase compared to direct taxes

    The topic of medium and small-sized enterprises presents itself for study due to the ambiguity surrounding it at several levels, in terms of its definition and characteristics, as it is the engine supporting the economies of many developed countries due to the special interests given to them by the latter. Algeria is a distinguished place, and this is what reality reflects in terms of laying out several programs to support and promote it, and in return, and what is the role that these institutions played in attracting foreign investments and promoting external trade.
     We note that small and medium enterprises do not represent a great temptation for the foreign investor due to their small size in exchange for their low profitability, and we do not forget the investment climate surrounding them, while we find that they have a distinct role in exports outside of hydrocarbons

The civilized renaissance of any nation determines the parameters of its success from its failure, the culture of the country, and its moral reference.
 The work ethic in Japanese culture was distinguished by its validity and effectiveness on the ground, with evidence that these days have proven this to be true, because it is the one that pulled Japan in the modern era out of the era of underdevelopment, and brought it into the era of development and prosperity, and it is the one that rebuilt the destroyed Japan after the Second World War, and made it in Ranks of developed countries, despite Japan's poverty of natural resources.
To this day, the ethical values ​​of work in Japanese culture still prove their validity, and force the world to respect them, and the need to adopt them, after capitalism failed to prove its validity, and it contributed to the destruction of many moral values ​​called for by instinct and human need, such as group spirit, sacrifice, When it is lost, the person is lost with it

The aim of this study was to understand how most vulnerable section that is girl students classifies cybercrimes and security measures before and after advent of pandemic. In qualitative aspect, types of cybercrime and corresponding security measures were judged through personal interview of experts. The quantitative aspect used deduced dimensions to collect data from randomly selected 510 girl students from under-graduate colleges of nine major cities of Punjab. SEM analysis was applied to examine responses to latent dimensions. Four attributes of cybercrimes were classified, namely, stalking, privacy violation, financial risks and pornography. To counter these crimes three cyber security measures of general security, password protection and awareness about attacks were categorized. Lastly, significant difference was found between understanding of various cybercrimes and application of various security measures before and during pandemic

There is a lot of demand on FMCG companies to transform into "Learning Organizations" in order to survive in the current global economic climate and remain competitive. Multiple research methods were used to compile these results. Examining the connection between training and development initiatives and organisational effectiveness is the major focus of this study. and to isolate the impact of training and development (TND) initiatives and "Line Managers" in fast-moving consumer goods (FMCG) businesses.
“Training and development strategy alignment, Training Needs Analysis, and line managers” have active engagement in formalisation and training including employment and assessment, are all independent elements. As a dependent variable, organisational performance is examined here as an outcome of a well-executed training and development strategy.
The current study uses a Questionnaire as an instrument. A convenience sampling method and sample size are 100 (employees) from various divisions of a global FMCG firm have been chosen. Hypothesis has been tested with correlation techniques. Findings show that “training and development” plays very vital role in the development and performance of organizations. And the role of Line managers also shows positive result with training and development.

The topic of medium and small-sized enterprises presents itself for study due to the ambiguity surrounding it at several levels, in terms of its definition and characteristics, as it is the engine supporting the economies of many developed countries due to the special interests given to them by the latter. Algeria is a distinguished place, and this is what reality reflects in terms of laying out several programs to support and promote it, and in return, and what is the role that these institutions played in attracting foreign investments and promoting external trade.
     We note that small and medium enterprises do not represent a great temptation for the foreign investor due to their small size in exchange for their low profitability, and we do not forget the investment climate surrounding them, while we find that they have a distinct role in exports outside of hydrocarbons.

Purpose - This study aims to explore the Tunisian external auditors’ perception of fraud risk, the process of fraud risk assessment and their responses to it.
Design - Through a qualitative study, the analysis draws on a total of 20 semi-structured interviews conducted with auditors from Big 4 and Non-Big 4 audit firms.
Findings - The results demonstrate the importance given to fraud risk and reveal some ambiguities encountered during the audit engagement regarding this risk. They also highlight the necessity of exercising professional judgment and skepticism. 
Research limitations - Even though audit planning involves the nature, extent, and timing of audit procedures, the present work did not take their efficiency into consideration.
Practical implications - Highlighting ambiguities and raising concerns about auditors’ responsibilities regarding fraud risk may interest standard setters and audit firms as they both strive to improve the ability of auditors to identify fraud risk and to respond to it appropriately.
Originality/value - Our investigation allows auditors to speak up about their concerns regarding fraud risk and their ability to address it. Interviews were used to deepen our knowledge about this issue within an emerging country, Tunisia

Typically service is an element that is intangible in nature and can be delivered out of an interaction between the provider of service and the customer or through the technical systems of the service provider to the customer . Because of the inherent characteristics of the service, it varies from person to person and system to system. Hence, determining quality in service is indescribable for a particular person or system. According to Philip Kotler and Gary Armstrong 'service quality' is "the ability of a service firm to hang on to its customer”

Although artificial intelligence (AI) is broadly extended worldwide, full potential is not being reached in human resource management (HRM) so far. In fact, there is still a gap in analyzing the usefulness and limitations of chatbots in recruitment. This piece of research attempts to cover part of this gap paying particular attention to the Indian market. A qualitative analysis has been undertaken in selected Indian companies. One of the main conclusions drawn from the study is the need for mature chatbots in recruitment. Although chatbot has several features from HR professionals’ perspectives, our paper reveals that chatbot has particular limitations in hiring mid-level and senior-level positions. Furthermore, there is a gap between what are Indian IT companies offering for recruiters and what are recruiters know about the latest development of the chatbots. The paper contributes as a food for thought for HR managers and academia by provides an extensive analysis of the usefulness and limitations of chatbots in the recruitment process in India

Background - In today's companies, adaptable work arrangements are becoming more important. Due to the obvious advantages of flexibility, many businesses give adaptable working arrangements to all the people and the company. Increased worker productivity and corporate profitability are two of their most prominent benefits. Adaptable work schedules also aid in the attainment and maintenance of a good work-life balance. Employee well-being and stress levels are decreased when work-life balance is maintained. Workplace Environments, such as flexibility, are evolving and have an impact on employee health Conditions. Working from residence, taking time off are required, and modifying one's work pattern are all examples of work flexibility. The majority of Employees assert that having a great attitude in a Positive work environment improves the productivity of the Organisation and decreases the employee difficulties such as physical and mental stress, road traffic, work in non-flexible timings, and unbalancing to care of family members in between the work Schedule.

The purpose of this paper is to rank various performance measures in terms of information
content and determine the best financial performance metric among the set of performance
measures in explaining the variation in share price. For better exposition, a sample of 365
Indian listed companies, for a period of 5 years 2016-2020, have been divided into three
sectors-manufacturing, financial services and non-financial services. After performing
univariate regression analysis, the results of the study reveal that Earnings per share has a
superior association with share price across all companies. Dividend payout ratio, long term
debt to equity ratio, current ratio, fixed asset turnover ratio, debtor turnover ratio, interest
coverage ratio and EBIT margin have a non-significant relationship with share price
throughout the study period.

Green or Environmental Marketing consists of all activities designed to generate and facilitate any exchanges intended to satisfy human needs, such that satisfaction of these needs and wants occur, with minimal detrimental impact on the natural environment.Primary data was collected by means of preparing a questionnaire and getting it filled by a large sample space. These questionnaires helped in drawing conclusions about the case. Secondary data was gathered from the books, internet sites, articles and journals on green marketing. With the help of the primary and secondary data so collected, along with the various statistical tools, an analysis will be performed. These tools provided a water tight conclusion for the case so framed. A questionnaire was administered to 250 from 20 to 60 years. The report examines the potential of the green marketing by investigating customer behavior. This study focuses on the green products as they are the upcoming in India and more likely to establish a standard business model. It shows that customers are willing to express their concern for social and environmental issues through their shopping habits. It is observed that all the independent variables viz, consumer awareness, perception and environmental concerns has no impact on green marketing products. To finish, consumers need to be aware that they are fully part of the market, therefore confronted with the same threats and opportunities in the market like manufacturers and retailers.

With the rapid development of our economy and the acceleration of the aging of the population, more and more manual jobs can not find suitable candidates, and the exoskeleton assisted transport robot(EATR) has become a research hotspot. Most of the existing exoskeleton assisted robots at home and abroad are expensive and complex in structure, which is not suitable for the actual needs of ordinary workers in India. Based on the virtual simulation technology(VST), the structure of exoskeleton assisted handling robot(EAHR) is designed and studied in this paper. Through the VST, the virtual prototype of the bone assisted handling robot is simulated, and the virtual prototype model of the exoskeleton robot(ER) is established. The driving function of each joint handling action is established for the human body(HB) handling action. The simulation results show that the movement trajectory of the lower limb joints of the ER is almost identical with the input angle of the lower limb joints of the HB's gait movement, and has high response and stability characteristics

This study focuses on the harm that inappropriate trade invoice utilisation does to the growth of the economy. Due to the fact that China is the primary trading partner, trade figures with China are emphasised, empirically validated, and exhibited. The findings of the study demonstrate that China is engaging in illicit trade practises, which is affecting India's economy. The research revealed that excessive and inadequate invoicing is a major cause of capital flight. Long-term global economic downturn prompts some economists and policymakers to demand for stricter regulations to safeguard their domestic economies. If put into practise, this might cause a high tariff and non-tariff system similar to the one that governed the pre-globalized world economy. Mismatched trade statistics between developed and developing nations point to significant misreporting of economic data, mostly by traders in developing nations. Due torigid exchange rate regimes, severe import limitations and export subsidies prevailing in less developed nations. This study specifically addresses the under-invoicing of imports as a result of high trade restrictions in a market where domestic companies compete with importers. The studyanalyses that how the levels of under-invoicing isimpacted by tariff levels, market structure, and government involvement (in the form of the extent of monitoring and the severity of sanctions).The information collected and reported from China and India showed a considerable discrepancy, and Indian tax authorities are now thoroughly investigating the issue to look for any instances of under-invoicing of Chinese business imports. A detailed review revealed that the country's invoiced imports were far less than China's exports to India

In June 2020, COVID-19 cases increased, making India the third-worst affected nation globally. However, the lockdown had a considerable effect on the infrastructure sector's output, including but not limited to the transportation, power, and construction subsectors. Although there are several causes for this, the lack of human capital made it more difficult. This paper aims to evaluate the fundamental situation in India and discuss possible impact on the infrastructure sector

Purpose: With the background of surging greying population India has emerging pressure on the healthcare system because aged people are more susceptible to health problems. Therefore, present study aims: firstly to explore how the health complains among the elders are distributed across the rural-urban sectors; and secondly, what is the nexus between socioeconomic status and health complains.
Research Design: The study has analysed unit-level data for the elderly (60 years and above).The analysis has two parts: firstly, the study explored the distribution of health complains using the descriptive statistics and econometric analysis explored the relationship between socioeconomic status and health complains across the sectors.
Findings: The study finds that health situation of the elderly has deteriorated and the rural-urban sectorial gap has widened during over time. Findings suggest that socioeconomic status has close congruence with the self-reported health status but the relationship largely varies due to sectorial residency.
Implications: Firstly, the study identified the trend of the elderly population's perception of their health over a decade, which can help to understand the future healthcare demand. Secondly, the study conducted an in-depth analysis to comprehend how socioeconomic characteristics influence perceptions of health in a rural-urban framework, which can shed light on the sources of emerging healthcare needs.
Originality:  To the best of my knowledge, this is the first study to make an effort to pinpoint the sectorial geriatric health trajectory, the health gap, and related contributing socioeconomic determinants of the aged over a decade, specifically in the context of India

This investigation will seek for and evaluate research publications on the subject of behavioural finance that have been published in a methodical manner in order to accomplish its goals. A fresh researcher who may be interested in the topic of behavioural finance may benefit from the findings of this study. This study includes 55 articles from the Journal of Behavioral Finance, 125 research articles linked to the field of behavioural finance, and about 300 authors' contributions to the field. In our research papers, we provide a number of research articles on behavioural finance that are on the cutting edge of the subject and are helping to establish behavioural finance as an important area of study. We did not include any extremely old behavioural finance research papers in our analysis since they were considered too old. It does not imply that previous researchers did not make significant contributions to the area of behavioural finance, but rather that the motivations for what has occurred in recent years are more relevant to new researchers than very old studies in the field of behavioural finance. In our study, we gathered data from 125 research articles from Elsevier and emerald publications, among other open access platforms. These databases served as a tool for analyzing the research articles in question

Circular economy in recent time has gained a lot of significance. The concept has multidimensional benefits to stakeholders and positive impact on the environment.
Fashion industry on the other is one of the fastest growing industries. The industry largely contributes to various pollutions though. The industry is consuming resources at a faster pace and need to be controlled at a point to achieve the UN Sustainable Development Goals. Implementation of circular economy in fashion industry will help to contribute for the attainment of multiple SDGs. The objective of this paper was to conduct bibliometric analysis using R studio application in the field of circular economy and fashion industry. Scopus data base was considered for the span of 2017-2022 to extract the literature on the aimed concepts. Total of 80 documents were analysed. Sustainability was the most productive source with total of 47 journals. The highly contributing country was UK, followed by Italy, Spain, Australia, and India. The study helps to initiate new approaches to strengthen adaption and application of circular economy.

Employees are one of the most important parts of any organisation. An organisation’s performance is based on the performance of its employees. Special attention should be given to identify the factors which affect their performance. Occupational stress is one of the main problems of the organisations now-a-days. Occupational stress not only affects one's personal life but also their professional life. It leads to a decrease in job satisfaction reduces job commitment to the organization and may subsequently result in increased intention to quit. This paper examines the impact of job stress on employees of public accounting firms job performance. The responses of 354 employees of public accounting firms to a survey questionnaire were analysed using structural equation modelling. The structural model comprises measures of job stress, job satisfaction, job commitment and job performance. The results indicate that job stress has a direct and negative impact on levels of job commitment and job satisfaction of the employees of public accounting firms. The cognitive role of job stress has a direct and negative impact on job performance. It was also found that there is an indirect effect of job stress on job performance through job commitment and job satisfaction of employees of public accounting firms.

In Digital marketing is now acknowledged as one of the most effective strategies for breaking through the noise and having one-on-one conversations with customers. The fact that digital marketing is getting increasingly more individualized is what has led to this recognition. As a consequence, with the trend toward direct, one-to-one marketing, emphasis is being placed more and more on the usage of digital media as a means of effectively reaching consumers.  The present study has been carried out to find out the youths’ perception towards digital marketing, to find out whether advertisements demotivate customers and to study whether there is any necessity of digital marketing for promoting new product. For this purpose the researcher has selected a sample of 100 youth with the age ranging from 18-30yrs by following random sampling method. A self structured questionnaire has been used for collecting data from the selected sample. Collected data are analyzed by applying percentage system and Chi Square test. Findings of the study indicate that most of the youth have a positive attitude towards Digital Marketing

The people who are in remote areas like villages and tribal areas are facing issues in collecting the medicines. As there is no proper medical facility available in their regions. Even though they are some medical camps are conducted but only for few days the medicines are available. So, it’s difficult for the people in remote areas to get the medicine anytime they needed medicines. The main aim of the project is to help people in rural areas as they are facing difficulties in accessing healthcare facilities. It is designed by different electric components to dispense different medicines using coins. It can be placed at government medical hospitals or urban primary health cares. And it also includes symbols to make it easy for rural people to understand the description of the project

The project is aimed at designing a miner safety alert system. Mining work is one of the most dangerous work to do. So we as the engineers we are doing our small part by trying to reduce this danger. We are designing a safety device for the mining workers using Zigbee transmitter and receiver. We are using temperature sensors so that if any change in temperature it can easily be detected. We are also using gas sensor through which a small amount of gas leakage can also be detected. We are installing a button so that in case of emergency the mine workers can press the button which gives the alert at the base so that the rescue teams can easily reach the affected area with-in the time , so the people who are in danger zone are saved with in the time. Temperature and gas leakage will be monitored by emergency team all the time, so that in case of any danger they can immediately take action at particular area. Mines that are deeper, the more dangerous it could be to be running jobs. There are challenges related to leaving a mine in case of a crisis. So by using this device many lives can be saved and dangers can be avoided

The main aim of our project is to help the GHMC sweepers. Sweepers play an important role in maintaining the health and hygiene within the cities. Sweepers are the vulnerable segment of our community and suffering from different occupational health problems due to limited education, lack of knowledge on occupational health hazards. The problems include the hand pain, back pain, shoulder pain etc. So, to overcome this problem we our team planned to help those workers by introducing the machine called street sweeper. This machine is very helpful to them which reduces their time, energy and make their work simple and in an easy manner. This machine is easy to handle and affordable by them. The street sweeper Machine is hardware-based project. The cleaner solves the problem of dusty roads, choked pipelines and manholes, removal of metal particles from road and also obstacles. In this project an efforts has been made to develop a mechanically operated eco-friendly road sweeping machine so that it can be used for small space cleaning without pollution. On other hand in rural area the road cleaning is done by an manual operated which can be hazards to health like asthma, bronchitis etc to the worker. the cost of mechanically operated sweeping machine is less as compare to electric operated sweeping machine and the machine is economical and comfortable for operating in rural area and it is suitable on small spaces, it is eco-friendly to user. our motive is to present a detailed qualitative study of cleaning system using the cleaner, the main focus being cleanliness with minimum utilization of resources available with us.

The goal of this study is to learn more about the financial practises used by Small and Medium Sized Enterprises (SMEs) in Egypt, especially those that are located in emerging markets. Reports on accounting procedures are essential for tracking all accounting functions. Accounting data, such as the cash flow and income statements assertion reports seen in corporate financial records, is used by management to make decisions. The current study looks at how financial accounting reporting affects small and medium-sized businesses in Egypt. The incremental innovation, the focus strategy, and the cluster method are only a few of the strategies that have been developed to encourage the growth of the entrepreneurial sector in Egypt, based on the economic pathway change. The study also looks into the administration's perspective on capital distribution to see if it maximises the decision's efficacy. Cross-sectional data strategy was applied for this aim, and 200 managers and employees of SMEs who responded to a standardised questionnaire provided the data. The primary goal of this study is to examine the difficulties faced by Egyptian entrepreneurship as they launch their Small and Medium Enterprises (SMEs). The study found that a favourable link between financial accounting reports and managerial actions is mediated by the ability, relevancy, and quality of accounting statements.

At this stage, the foundation of the meta universe technology has been preliminary completed, in which the artificial intelligence technology carries the communication between the subject and object of the meta universe, and the most important technical support for its economic system to build a credible cooperation mechanism is the blockchain technology, which includes non homogeneous digital assets (NFT), This research constructs an analysis of the design of meta universe NFT artworks based on artificial intelligence design methods under the background of enterprise development strategy. Through the analysis and comparison of data on the generation logic, technical attributes, technical and legal risk assessment and legal protection status of meta universe NFT artworks under different design methods, the research results show that, The meta universe NFT artworks under the artificial intelligence design method are more suitable for the current audience's preferences and can meet their needs.Artificial intelligence meta universe NFT art design,the development of digital industry has entered a new stage,it can change the traditional virtual commodity trading mode, so that users can trade freely, greatly enhancing the efficiency of data asset trading.

The research article is aimed at understanding, analysing and interpreting the impact of Pandemic on Financial Health of Families. Researcher has collected Primary data in this empirical study giving more insights and true picture of financial challenges and income volatility faced by families living in Palghar District. The district is relatively new and comes in rural belt. Therefore, it will also give reader (Corporates, Govt. Body, Academicians, Researchers and Citizens) knowledge and understanding of the financial implications in semi-urban and rural belt. The research covers key parameters and factors such as Earning members, Salary Cut, Borrowing, Change in Income and Loss of Employment which have significantly affected the financial health of family in the Palghar District.

Women safety has always been an issue even in these modern times with so much advancement in technology. Women are not safe anywhere and are most vulnerable when travelling alone into lonely roads and deserted places. Existing hand held safety devices for women have many disadvantages as they require a software application to be connected with and also should be connected with Bluetooth . So to overcome these disadvantages we propose a solution which will try to overcome the disadvantages of the existing systems and also aim at providing true proof safety to women. The proposed work aims at designing an IoT based safety device that relies on providing security to women by connecting GPS and GSM to locate place and alert message is send to registered numbers when a women is not safe. When there is unsafe situation women can press push button of the device which sends alert message with location automatically to the registered numbers

Air pollution is a major health hazard affecting the developing and developed countries alike. The effect of air pollution on health is complex and their individual impact varies from one to another. It is not only the ambient air quality in the cities but also the indoor air quality in the rural and urban area that are causing concern. In fact, in the developing world the highest air pollution explosion occurs in indoor environment. The main objective of our project is to reduce the air pollution. We live in a world where everything is transported by the use of vehicles, so it is necessary to have knowledge about vehicle pollution. But before that let us talk about pollution. Pollution is the introduction of harmful materials into the environment. These harmful materials are called pollutants. Similarly, vehicle pollution is the introduction of harmful pollutants into the environment by motor vehicles.To overcome this, we present a solution which prevents pollutants in the air.

To address the scarcity of research concerning the constituents of travel motivations of International tourists to the city of Amritsar in Punjab (India), the present study collected a data of 282 International tourists and used Dann’s push-pull motivational typology. Factor analysis uncovered six travel motivations: Escape from routine and relaxation, fulfilling spiritual needs knowledge seeking, destination attributes, accessibility and entertainment activities to visit Amritsar. The findings reveal that the main motivation of the International tourists was the spectacular Golden Temple along with the cultural and historical attractions and the escape from routine for relaxation remained a major push motive. The findings also provides insights to the tourism authorities of Amritsar about various pull and push motivations and recommends that the service providers and the destination managers in this most visited place of Punjab must ensure tourists satisfaction in order to increase repeat visits and make it the most prized destination among the tourists all across the World.

The succession of attitudes and behaviors espoused by employees of a given organization that affect its function and overall well-being is referred to as organisational culture. It is vital for any organization's success and plays a critical part in shaping an organization's strategies. Employee opinions and attitudes toward the working environment and work experience are measured by job satisfaction. The purpose of the present study was to explore the faculty of the University of Delhi's attitude towards organisational culture, their job satisfaction levels, and the relationship between the components of culture and job satisfaction levels. Data in this study were collected from a total number of 100 faculty members of University of Delhi. It further examines demographics (gender, age, experience in present college and type of college) on job satisfaction levels and culture components. Data analysis indicated a moderate level of job satisfaction among the faculty of University of Delhi, which needs to be improved. There was a significant positive correlation between job satisfaction levels and the organisational culture components; therefore, improvement in culture is expected to lead to better job satisfaction levels.

Humans have invented locks since ancient times, to use them to protect their privacy and personal belongings. They are constantly evolving over the ages for better protection. But the problem is that locking the door these days is not safe and can be easily bypassed. Our doors can be forgotten, and this is a common occurrence for most people. Locks are trying these days to depends on technology by using a code or phone or by card to make our things safer. But there are limits, which are the lack of features to be combined in one place. also, the lack of high-security features. To solve this problem, we need to combine all the modern security features into one lock as well as monitoring features.Thus, we have high security, comfortable opening, and closing systems, and features that help us easier and faster, all requirements do not conflict and help to make our homes safer than before. Today, the provision of a home security system has become an important study in adopting the latest technology to achieve this goal. Wireless network is one of the technologiesused to provide remote monitoring and control of household items. This paper aims to propose a key departmental security system based on Raspberry pi technology where cameras, keypad and pi-lids are used to provide a terrific powerful system to notify the owner, and to inform visitors by giving them a User ID. For this reason, only authorized people will be allowed to enter the departments.The system works by capturing guests with a summary with a code and a camera mounted on the doors at the same time, such snippets will be sent to the owner. The proposed system could beexpanded to accommodate various facilities and services such as banks and offices.

Automation holds a vital role in nearly all walks of the human life. Separation and counting of Indian currency coins is considered in this project. Nearly all the temples in India have donation boxes (Hundi). More human intervention is required to separate such coins and hence it could be automated and as a result it improves efficiency and reduces the time consumption in the process. This project adapts automation for this time-taking process. It involves the usage of digital image processing technology that aids in detecting the coins and differentiating them thus, making the process faster and more accurate

There are many possibilities a fire can start in an industrial area or in any remote area. For example, in textile mills, gas storages, etc., electric leakages can lead to huge damage. Also, it’s a worst-case scenario, causing heavy losses not only financially but it also can destroy areas surrounding it. Robots can protect human lives and their wealth and surroundings. The aim is to design a “AURDINO BASED AUTONOMOUS FIRE FIGHTING ROBOT” using embedded system. A robot is capable of fighting and helps in extinguishing fire. It must be able to autonomously navigate through floor plan while actively scanning for a flame. The robot can even act as a path guider in normal case and can act as a fire extinguisher in emergency. Robots designed to find a flame, before it reaches out ofcontrol, can one day work with fire-fighters greatly reducing the risk of injury to victims. The project will help in generating innovations in the fields of robotics while working towards a practical and obtainable solution to save lives and to reduce the risk of property damage.With the development in the field of robotics, human intrusion has become less and robots are being widely used for safety purpose. In our day-to-day lives,fire accidents have become common and sometimes may lead to hazards that make it hard for the firemen to protect human life. In such cases, a fire fighting robot is used to guard human lives, wealth and surroundings from fire accidents

Irrigation is the basic need for the growth of the crops. The crops on one side are very fragile in nature, which can be easily taken care by providing exactly right amount of water for their growth. If the water is applied in abundant quantity then it will effect directly to the crop yield. And on the other side the weather of our country is not supporting in providing right amount of water to the crops as and when required due to the unpredictable nature of the climate change. In order to overcome the above situation we design an system named “SPRINKLER WATERING SYSTEM” which is useful for farming. By this we can reduce the watering cost to the farmers, maintenance cost. We can easily water the field each and every end. There will be some fields at higher areas at which it is difficult to water with the pipeline system. In that areas this Sprinkler Watering System is the best proposed solution to water the field. By this we can change the irrigation acre age (area of land which used for agriculture). Comparative irrigation crops yields, Labour savings, Production costs. Even can be used for spraying peticides.It will definitely reduce the capital cost, maintenance cost with better efficiency.The sprinkler watering system is better investment in long run as compared to surface methods. As sprinkler irrigation proved to be better in uniform distribution of water, uniform application of fertilizers and water saving especially in water scarcity. With this it is easy to irrigate the field at each and every end by rotating the sprinkler itself.

Air pollution is a mixture of solid particles and gases in the air. Car emissions, chemicals from factories, dust, pollen and mold spores may be suspended as particles. OZONE, a gas, is a major part of air pollution in cities. When ozone forms air pollution, it's also called smog. If the air quality index (AQI) reports are anything to go by, then the quality of air in most cities of India is deteriorating day by day. As the winter months of October and November approach, the air quality outdoors becomes worse since the pollution that is generated from various sources gets trapped because of differences in air pressure, moisture and wind speeds. This also tends to have a direct influence on the indoor air quality in home or office spaces here most individuals tend to spend approximately 90% of their time. In the past decade or so, the home air purifier market has shifted multiple gears as an affordable solution for indoor air quality. Besides this, there have been seemingly ground breaking advancements in filtration technologies ensuring the development of the next level in air purifier.

Aging roads and poor road-maintenance systems result a large number of potholes, whose numbers increase over time. Potholes jeopardize road safety and transportation efficiency. Moreover, they are often a contributing factor to car accidents. To address the problems associated with potholes, the locations and size of potholes must be determined quickly. Sophisticated road-maintenance strategies can be developed using a pothole database, which requires a specific pothole-detection system that can collect pothole information at low cost and over a wide area. However, pothole repair has long relied on manual detection efforts. Recent automatic detection systems, such as those based on vibrations or laser scanning, are insufficient to detect potholes correctly and inexpensively owing to the unstable detection of vibration-based methods and high costs of laser scanning-based methods. Thus, in this paper, we introduce a new pothole-detection system using a commercial black-box camera. The proposed system detects potholes over a wide area and at low cost. We have developed a novel pothole-detection algorithm specifically designed to work with the embedded computing environments of black-box cameras. Experimental results are presented with our proposed system, showing that potholes can be detected accurately in real-time.