• IUJ Journal of Management

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  • SJIF Impact Factor (2022): 7.458

    The IUJ Journal of Management

    The IUJ Journal of Management (IUJ-JOM) is the flagship journal of ICFAI University Jharkhand, Ranchi. The aim of the journal is to provide insight into the business and management research. It also creates a platform for the researchers, academicians, professors , practicing management professionals and proponents in disseminating original,

    theoretical and applied research in the field of management and allied disciplines. The Journal is a Bi-Annual, . . . . .Read more.

    ISSN NO : 2347 - 5080 Journal EOI : 10.11224/IUJ

  • SJIF Impact Factor (2022): 7.458

    Influence of Social Media in Academic Performance of Post Graduate Students in Thrissur District, Kerala

    Technological advancements have brought major changes in the life of people and their affairs globally. Today the web has taken a firm place in people's lives. The advancement in technology has made it easier for people especially young people to have access to the internet and thus social networking which they join in with friends. Social media can be defined as a group of internet-based applications that allows the creation and exchange of user-generated content. . . . . Read more.

    ISSN NO : 2347 - 5080 Journal EOI: eoi.citefactor.org/10.11224/IUJ.01.01.01

  • SJIF Impact Factor (2022): 7.458

    Creativity In Advertising – Making Your Brand Talk & Sell For You

    The Brands in India are as heterogeneous and complex as they can get. The range is broad & diverse - coupled with regional preferences, subcultures, lingua, people demographics, etc. Every possible industry, commercial & business segment cannot avoid the need to communicate and create a great Brand. Read more.

    ISSN NO : 2347 - 5080 Journal EOI: eoi.citefactor.org/10.11224/IUJ.01.01.02

  • SJIF Impact Factor (2022): 7.458

    Impact of E-Marketing on Consumer Buying Behaviour

    The rapid boom in electronic marketing and the Internet is having a profound impact on customer behavior and modern society. This study seeks to investigate the effect of e-advertising on customer shopping for conduct within side the foremost towns of Kanyakumari District in Tamilnadu. The pervasiveness of e-advertising influences how, where, and while purchasers store on line and impacts the preferences, selections and manner of existence of purchasers. Online buying is the apart of existence fashion of people. Read more.

    ISSN NO : 2347 - 5080 Journal EOI: eoi.citefactor.org/10.11224/IUJ.01.01.03

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Current Issue : February - 2022

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Influence of Social Media in Academic Performance of Post Graduate Students in Thrissur District, Kerala

(Amritha Thomas ,Jitha Thomas )

Keywords : Social media, technological advancement, academic performance.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.01

[Abstract]
Technological advancements have brought major changes in the life of people and their affairs globally. Today the web has taken a firm place in people's lives. The advancement in technology has made it easier for people especially young people to have access to the internet and thus social networking which they join in with friends. Social media can be defined as a group of internet-based applications that allows the creation and exchange of user-generated content. Social networking sites include Twitter, Yahoo Messenger, Facebook Messenger, YouTube, Blackberry Messenger (BBM), WhatsApp messenger,2gomessenger, Skype, Google Talk, Google Messenger, Instagram, etc. The main focus of this study is to measure the influence of social media on the academic performance of students at the postgraduate level in the Thrissur district in Kerala. The rapid advancement of media technology has had an excellent impact on the way people communicate on every day. The growing dimension of the utilization of social media among the youth of today can't be over-emphasized. It is therefore of great importance to identify the major factors that influence students’ academic performance as a result of social media.
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Citation Text :
Amritha Thomas Assistant Professors, Research Department of Commerce St Joseph’s College (autonomous), Irinjalakuda Email: amritha.thomas@gmail.com
Jitha Thomas Assistant Professors, Research Department of Commerce St Joseph’s College (autonomous), Irinjalakuda Email: githamookken@gmail.com

Creativity In Advertising Making Your Brand Talk & Sell For You

( V. KAMESH )

Keywords : Brands, Creative Advertising, product, Brand recognition, Sales team

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.02

[Abstract]
The Brands in India are as heterogeneous and complex as they can get. The range is broad & diverse - coupled with regional preferences, subcultures, lingua, people demographics, etc. Every possible industry, commercial & business segment cannot avoid the need to communicate and create a great Brand. Even the Government of the day has to increasingly “sell” its policies & campaigns to the target public. Creative advertising is defined as the method to express the concept of the product in a most effective and innovative method. Creative Advertising is expected to be unique in its way and has to impress the targeted customers. To explain in a simpler manner both normal and Creative Advertising carries product functionalities but the method of conveying the message varies. Factors influencing creativity in advertising Humour element, Originality, Flexibility, Detailed Explanation, Synthesis, Artistic Value, Consumer response .Creative advertising helps establish brand connections and build strong, long-term relationships with consumers over time. Companies that use Creative advertising aim to get long-term Brand recognition and make selling easy for the sales team.
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Citation Text :
V. KAMESH Director Fame Advertising (Futura Advertising & Marketing Enterprises)

Impact of E-Marketing on Consumer Buying Behaviour

( L Jenita Florence , R Sivanesan )

Keywords : Consumers, Attitude, Behaviour, e-marketing, Online Shopping and internet.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.03

[Abstract]
The rapid boom in electronic marketing and the Internet is having a profound impact on customer behavior and modern society. This study seeks to investigate the effect of e-advertising on customer shopping for conduct within side the foremost towns of Kanyakumari District in Tamilnadu. The pervasiveness of e-advertising influences how, where, and while purchasers store on line and impacts the preferences, selections and manner of existence of purchasers. Online buying is the apart of existence fashion of people. Why purchasers buy a few items and now no longer purchases different items is hard to apprehend. It is important to look at the effect of e-advertising on purchasers’ e- shopping for conduct. The modern studies has attempted to apprehend the mind set toward e-advertising, look at the effect of demographic elements, what kind of merchandise they purchase and what elements impacts customer shopping for conduct. Sample of 455 respondents of drawn from 5 towns in Kanyakumari District, i.e., Nagercoil, Marthandam, Colachel, Thakalay and Monday market. The facts can be a mass questionnaire approach and with the aid of using taking a few direct interviews of respondents. The consequences discovered that purchasers’ on line buying conduct is stricken by demographic elements like gender, age, education, profession and income. An attempts have been made to investigate how various factors affect buyers' eBuying behavior. It changed into proven with the aid of using the consequences that availability of diverse merchandise on net sites, time saving, cash saving and comfort had been the critical element which leads purchasers toward online buying. This study will be an try to study the e-buying conduct of purchasers in 5 foremost towns of Kanyakumari District as it's far obvious that the e-buying quarter has been revolutionized with the e-marketing.
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Citation Text :
L Jenita Florence Research Scholar, Department of Commerce, S T Hindu College, Nagercoil, Kanyakumari District, Tamilnadu Email: jeni.eben1988@gmail.com, R Sivanesan Vice Principal & Head – PG & Research Department of Commerce, St Alphonsa College of Arts & Science, Karinkal, Kanyakumari District, Tamilnadu

A Study on Customer Satisfaction Towards Services Offered by Akshaya Centres with Special Reference to Mala Panchayath, Thrissur District, Kerala

( Rupini T.S,Remya S,Andrea Varghese )

Keywords : Akshaya, customers, e-government, population, services.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.04

[Abstract]
Akshaya is an innovative project implemented in the state of kerala aimed at bridging the digital divide, addresses the issues of ICT access, basic skills sets and availability of relevant content. As the population continues to grow in developing countries like India, more and more people will get isolated to the group of digital ‘have-nots’ unless Governments work together to dramatically expand access to information and knowledge. In order for e-government to be more inclusive, it must reach out to all segments of the population with e-services that meet the needs of the digitally disadvantaged by bridging the digital divide. In this study an attempt has been made to study the customer’s opinion of Akshaya centres and services offered by them. The various factors influencing customers to avail services from Akshaya centres and their level of satisfaction is also analysed. The sample size is 50. Both descriptive and analytical research is used for the study. The primary data has been collected through questionnaire and secondary data from journals and websites. The project deals with the customer satisfaction towards the services provided by Akshaya centres with special reference to Mala panchayat. It begins with the introduction about Akshaya centre and then states three objectives. The main objective is to know the satisfaction level toward the various services offered by Akshaya centres. The tools used for the analysis are simple percentage analysis, Ranking and likert scale. The available literature can be divide in to two empirical literature and conceptual literature. Simple percentage method is used to represent raw streams of data as a percentage. Table and figures are used for getting a better understanding of collected data. The ranking method is used to ascertaining the factors influenced for availing services from Akshaya centres. The likert scale is used to ascertaining the users satisfaction level toward the services offered by Akshaya centres.
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Citation Text :
Rupini T.S Guest Faculty, St Joseph’s College (Autonomous), Irinjalakuda Email: rems_s@rediffmail.com Remya S Assistant Professor, St Joseph’s College (Autonomous), Irinjalakuda Andrea Varghese Guest faculty,St Joseph’s College (Autonomous), Irinjalakuda

Belief and Attitude of General Physicians of West Bengal towards Early Initiation of Insulin Therapy in Type 2 Diabetes Patients- a Descriptive approach; and build the Best Fit Belief-Behaviour Model

( Abhra Ghosh,Subrato Kumar Dey )

Keywords : Belief and Attitude, Early initiation of insulin therapy, Barriers to Insulin initiation, Belief-Behaviour model.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.05

[Abstract]
Diabetes is a progressive disorder, and patients currently on three or more oral drugs, going ahead will inevitably require insulin therapy to attain and maintain adequate glycaemic control. It is a known fact that pancreatic beta cells are already quite exhausted at this case, and in order to make them optimally respond to oral drugs at a later stage, they must be given some rest, and hence exogenous initiation of insulin is a must to do task in hand without any further delay. But in reality, insulin initiation is a big challenge and is delayed in many patients who would otherwise benefit from such treatment. Patients’ and Physicians’ beliefs, perceptions, and attitude regarding insulin therapy are known to create barriers contributing to their reluctance and subsequent delay in its initiation. This article studies the different factors (explanatory variables) pertaining to their belief and attitude, and their degree of impact on initiation of insulin; It also aims to provide practical solutions for addressing and overcoming these hurdles so that insulin can be initiated confidently in order to improve diabetes treatment.
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Citation Text :
Abhra Ghosh Research scholar, ICFAI University Jharkhand Email: abhra.phd2021@iujharkhand.edu.in Subrato Kumar Dey Associate Professor, ICFAI University Jharkhand Email: subratokumardey@iujharkhand.edu.in

Government-related Factors behind Success and Failure of Indian CPSEs

( M D Sreekumar )

Keywords : CPSEs, Public Sector Enterprise, Performance, Success, Failure, Turnaround.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.06

[Abstract]
Central Public Sector Enterprises were established in India to accelerate economic growth and to meet the requirements of key sectors along with employment generation. To a certain extent, this objective has been fulfilled. However, every year one-third of operating CPSEs are ending up with losses. A lot of factors are there behind the spectacular performance of few CPSEs and similarly, the reasons for the poor performance of few other CPSEs are many. A research study was undertaken during 2015-2020 to explore the significant factors leading to success and failure of Indian CPSEs and priorities them based on their influence on performance using statistical tools. The methodology adopted was the review of published literature and survey reports published by Government, review of annual reports available on company websites followed by direct interaction with around 250 company executives from 35 different Indian CPSEs. Discussions were held with few Professors from different Business Schools and also few eminent industrial consultants.
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Citation Text :
M D Sreekumar Vice Principal, SNIT, Adoor, Kerala, India

A Study On Employee’s Perception Of Workplace Safety In Auxiliary Industries

( D.Nandhini )

Keywords : Employees’ perception, occupational safety, auxiliary industries

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.07

[Abstract]
This study examained the Employee attitudes on the implementation of safety and health measuresin auxiliary industries were investigated in this study. Training, work environment, mechanical, ergonomics, personal protection equipment (PPE), electrical, and noise were among the seven (7) factors that were collected utilising a set of questionnaires. The replies were graded on a five-point Likert scale ranging from "strongly disagree" to "strongly agree." A total of 40 people responded to the survey, which was conducted at a small auxiliary industry and included all employees. The mean score and standard deviation were calculated using descriptive statistics to analyse the data. The perception of mechanical components had the lowest mean score; additionally, 51.7 percent of the employees had negative perceptions (combination of 'disagree' and’ strongly disagree')
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Citation Text :
D.Nandhini Research Scholar

Emotional Labour Assessment of Sports Team Coaches in Universities

( P.Subha )

Keywords : Emotional Labour, Surface Acting, Deep Acting, Expression of Genuine Emotion

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.08

[Abstract]
We need to add Emotional Labour to the twenty first century skills. Because without emotional labour, employee will not get involvement in to the job.Sports team Coaches will react in their teams according to Practice, motivation, stress and Past experience. In the same way coaches of the teams will also react according to the Emotional Labour. so This study aims to assess the Emotional Labour of sports team coaches in universities who became a coach from player. And from the teams of : Cricket, Hockey, Basketball, Volleyball, Kabaddi.
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Citation Text :
P.Subha Research Scholar, Annamalai University, Chithambaram

The Leadership Style of Jesus and its influence in Select Christian Higher Education Institutions of Kerala

( Fr James John )

Keywords : Leadership, Leadership Style, Leadership Style of Jesus, Leadership style in Christian Higher Education Institutions.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.09

[Abstract]
Education has always been the core component for the development of individuals and the world around them. In this research study, the researcher attempts to evaluate the performance of Christian Higher Education Institutions in the present world. The style of leadership evolved and practiced by Jesus has strongly influenced every form of the organization, be it big or small, service, business, or family all through the past twenty centuries. It has universal significance and applicability based on strong foundations that stood the test of time and can be justified empirically.
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Citation Text :
Fr James John Research Scholar Lincoln University College Malaysia

Knowledge, Attitude and Practice of Medical Practitioners towards Standards of Tuberculosis Care through Private Public Partnership working in neighbouring districts of Kerala and Karnataka

( Abdul Sathar Ariyal Abdul Rahiman ,Narayan pradeep,Pratibha bhat,Midhun )

Keywords : Tuberculosis, TB care, notification, border districts, treatment outcome.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.10

[Abstract]
More than 60% of the TB patients approach the private practitioners in India. To achieve control over rapid rise in prevalence of TB in India, involving the private practitioners as key stakeholders should remain the main objective of the Government of India. Aim: To assess and discuss the involvement of private practitioners in the diagnosis, treatment and control of TB in the neighboring districts of Kerala and Karnataka. Objectives: To assess the Knowledge, Attitude and Practices of Medical Practitioners towards Standards of Tuberculosis Care (RNTCP Programme) through Private Public Partnership working in neighbouring Border Districts of Kerala and Karnataka. Methods: A Cross-sectional Study by using a self-administered questionnaire was conducted among 100 Private and Government practitioners. The study questionnaire was sent to 100 doctors out of which 94 practitioners participated. Data was collected and analysed. Among the 94participants, 90 (95.74%) were prescribing anti TB drugs. 04 (04.25%) reported as not prescribing Anti TB Drugs. 46/90 (51.11%) were giving prescription for four standard drugs with appropriate dosages and duration. 14/90 (15.55%) practitioners were not following the anti TB regimen advised by national programme .30/90 (33.33%) practitioners did not answer the questions related to prescribing practices adopted by them. 68/90 (75.55%) practitioners anti TB treatment was given for 6 months. 06/90 (06.66%) practitioners answered as 1 to 05 months. 16/90 (17.77%) practitioners answered as 07 to 08 months. The Knowledge, Attitude and Practices of Medical Practitioners working in border districts of Kerala and Karnataka towards Standards of Tuberculosis Care was reasonably good. Even though patients belonged to separate states, notification of cases to Government of India through proper channel was good among the medical practitioners. Limitation of this study was smaller sample size and at two border district only.
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Citation Text :
Abdul Sathar Ariyal Abdul Rahiman Consultant Respiratory Medicine, Govt.General Hospital, Kasaragod, Kerala Email :drabdulsathar52@yahoo.com Narayan pradeep Jr Consultant Respiratory medicine, District TB center, Kasaragod, Kerala Email pradeep.narayana@gmail.com Pratibha bhat Assistant professor of microbiology, K S Hegde medical college, Deralekatte, Mangalore, Karnataka Email pratibhabhat.u@gmail.com Midhun JEET project Co ordinator and city Office, District TB center, Kasaragod Kerala Email: midhun.rajive@gmail.com

Factors affecting acceptance of Microfinance products and the role they play in financial inclusion

( Debarghya Bagchi ,Keya Das Ghosh )

Keywords : Microfinance, Government scheme, financial sector, financial inclusion

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.11

[Abstract]
Microfinance provides a crucial support system for reaching out to the otherwise financially deprived and is a vital cog in aiding financial inclusion. Thus, understanding the various factors that affect acceptance of microfinance products in the target segment and analyzing the role that these factors play in financial inclusion would be very useful for policy makers in decision making. This paper attempts to review the body of existing knowledge on the topic in order to present a coherent and summarized picture on the topic. Specifically, this paper analyzes what are the key variables that affect demand for microfinance products, and in a broader context how they affect financial inclusion vis-à-vis Government scheme driven efforts to improve financial inclusion. Relevant academic publications from databases like EBSCO, Elsevier, JSTOR and open-sourced databases were studied, and twentystudies have been included in the review based on their relevance to the topic. Results of the study show that within India, there is disparity in financial inclusion. The study identified several factors that affect acceptance of microfinance products, significant among which are gender, age, education, income, the stability of the financial sector, and location. The study also identified that scheme driven efforts to improve financial inclusion could not sustain the financial inclusion momentum. This study provides a summarized and organized review of existing work in the areas of microfinance and financial inclusion, and therefore has significant implications for researchers, students, executives and policy making.
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Citation Text :
Debarghya Bagchi PhD research scholar at ICFAI University Jharkhand and Asst. Director at Amity University Kolkata,
Keya Das Ghosh Asst. Director at Amity University Kolkata

Liquidity of funds: Deciding factor in choosing investment plan for children education

( Manisha Kumari , Ajit Kumar )

Keywords : children education, investment, education insurance

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.12

[Abstract]
Liquidity of investment is one of the criteria in investment decisions. Systematic investment plans and insurance are short or long term investment plans. The amount will be due only after all these instalments are paid. The children education is one of the future investments and fulfilment of life commitments. But, an investment like bank deposits get interest but has liquidity, higher than SIP and insurance. The investment in children education insurance depends income, saving, number of children, level of education, course and fees structure, etc. The study was conducted in Bangalore and found that the investment in children education is a personal choice and depends on how the parents plan education and interest of students. The career planning is influenced by financial potential of the respondents.
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Citation Text :
Manisha Kumari Research Scholar , ICFAI University Jharkhand Email: manisha.blr76@yahoo.in
Ajit Kumar Assistant Professor , ICFAI University Jharkhand Email: ajit.kumar@iujharkhand.edu.in

Factors Influencing Diffusion of Innovation of Mobile Payments

( Suchitra Maurya, Goutam Tanty )

Keywords : Mobile payments, Diffusion of Mobile Payments, Digital payments, Factors influencing

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.13

[Abstract]
The diffusion of innovation theory is a hypothesis outlining how new technological and other advancements spread throughout societies and cultures, from introduction to wider-adoption. The diffusion of innovations theory seeks to explain how and why new ideas and practices are adopted, with timelines potentially spread out over long periods. The way in which innovations are communicated to different parts of society and the subjective opinions associated with the innovations are important factors in how quickly diffusion or spreading occurs.

The genesis of mobile payments draws from the history of introduction of technology to the banking system by use of electronic channels for delivery of banking products. It was the culmination of ICT and computers to deliver the banking services to the customers. Therefore much of the literature on the subject available for review is on the customer acceptance of the electronic banking technology.

This study examine the various factors influencing the diffusion of innovation of mobile payments and through various approaches i.e. technology adoption model along with innovation diffusion theory, Innovation Resistance Theory, Technological Environmental Organization on the adoption of mobile payments, certain qualitative studies, Global report(s) , case studies and longitudinal studies. This study studies the social/ external factors that influence the process of adoption at the unit level by influencing the TAM factors of perceived usefulness and perceived ease of use. The main contribution of this paper is to examine the various factors that influence the diffusion process. Banks /other payment system operators should focus on increasing the usage of digital banking by studying the factors and making necessary adjustments to the process/product.
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Citation Text :
Suchitra Maurya Research Scholar ICFAI University Jharkhand, India Email: suchitramaurya@gmail.com
Goutam Tanty Associate Professor ICFAI University, Jharkhand, India Email: goutam.tanty@iujharkhand.edu.in

A study on Rural Co-operatives in India with special reference towards a more inclusive financial system

( ASomdev Chattopadhyay )

Keywords : Rural Co-operatives, Inclusive Financial System, Corporate Governance, Information Technology, Flexible Products and Services, Priority Sector Lending and Marketing, Dynamic HR Policy ,Regulation and Supervision, Restructuring and Up gradation.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.14

[Abstract]
This proposed research paper is to focus on the challenges before the rural co-operative sector. It is proposed to focus on perspectives before rural co-operative banking sector in India. The revolution in communication & information technology has turned the world in to a global village. When the emergence of multinational forms and a global market has led to a deeper integration of economies, an upgraded co-operative movement may ensure progress of rural India and create the concept of a new social capital. As rural co-operatives play a significant role in the domestic banking sector, discipline management of rural co-operatives is a critical issue. This paper also seeks to clarify whether the effect of the governance-related variables on firm performance varies across rural co-operatives. We can use cost and profit efficiency scores as performance measures. Whether having a high ratio of representatives and board members has negative effects on efficiency measures for rural co-operatives. Presence of outside directors may have a significant effect on efficiency of co-operatives by strengthening its governance. But implementing corporate governance relates to various questions: Who should participate in corporate governance? How to solve the collective action problem of supervising management? How boards should be structured? This study will focus on if there any scope to find out a restructuring model between co-operative and corporate to bring in professionalism with higher supervisory and regulatory approach -a comprehensive system with flexible products and financial services, priority sector lending and its marketing, dynamic human resource policy to outreach the rural people towards a more effective and inclusive financial system.
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Citation Text :
Arnab K Chowdhury Research scholar, ICFAI University Jharkhand & Staff of Reserve Bank of India Email: arnabb.c20@iuharkhand.edu.in
Ajit Kumar Assistant Professor, Faculty of Management Studies, ICFAI University Jharkhand Email: ajit.kumar@iujharkhand.edu.in

Financial Fragility of the Real Estate and Construction Sector

( Arnab K Chowdhury,Ajit Kumar )

Keywords : : Real Estate, subsectors, financial fragility, period, profit.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.15

[Abstract]
We study the Construction and Real Estate (RECON) sector and its constituent subsectors by primarily employing the framework developed by Hyman Minsky for analysing financial fragility. The period of the study is 1994-95 to 2018-19. We use both “cash from operations” and accrual accounting profit to categories the sector and its subsectors into three categories of Minskian financing regimes. Further analysis indicate categorization based on cash flows is more credible. The study indicates that the sector was in speculative and Ponzi regimes for almost the entire period. The study also shows that debt to income ratio is positively related to the degree of financial fragility.
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Citation Text :
Arnab K Chowdhury Research scholar, ICFAI University Jharkhand & Staff of Reserve Bank of India Email: arnabb.c20@iuharkhand.edu.in
Ajit Kumar Assistant Professor, Faculty of Management Studies, ICFAI University Jharkhand Email: ajit.kumar@iujharkhand.edu.in

Impact Analysis of Covid 19 On Performance of HDFC Bank

( Zubair Iqbal , Goutam Tanty )

Keywords : HDFC Bank, Financial performance, Current ratio, Loan, Fixed asset ratio, COVID 19

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.16

[Abstract]
The COVID-19 pandemic took the shape of a most significant public health crisis of the present times and the biggest threat to humanity since World War II. The effects of this pandemic caused an unprecedented socioeconomic crisis. Despite extraordinary measures taken by the regulators and the governments, there were negative effects on social activities and economic trends.

A negative impact of COVID-19 was also felt by the Indian banking industry. In addition to financial concerns, business continuity and operational concerns are all affected by the epidemic. NPAs grew and demand for new loans was subdued as repaying capacity of borrowers got impacted, thus negatively impacting profitability for Indian banks. The revenue streams got impacted but expenditures rose. This led to a liquidity crisis. Several initiatives have been taken by the regulators and the government to address this issue. An analysis of HDFC Bank's financial performance has been reviewed since 2017 to 2021 so as to cover pre-Covid period and Post Covid period. Ratio analysis is used to provide an interpretation of data such as current and cash positions, fixed assets, debt-equity balances, and proprietary ratios. The conclusion of this article is that the bank's financial health was adequate throughout the studied period, and it successfully managed to overcome the challenges posed by the pandemic.
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Citation Text :
Zubair Iqbal Research Scholar, ICFAI University Jharkhand Email: zuber.i20@iujharkhand.edu.in

Goutam Tanty Associate Professor, ICFAI University Jharkhand Email: goutam.tanty@iujharkhand.edu.in

Impact of Employee Inclusion on Corporate Resilience: A Theoretical Framework

( Jyotsna Singh , Joji chandran )

Keywords : Organizational Resilience, Employee Inclusion, Management of Resilience Enhancing Employee Inclusion

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.17

[Abstract]
In a world shaken by COVID 19 pandemic, organizations are waking up to the fact that turbulences and complexities are a routine part of organizational existence. Thus, they increasingly focus on building organizational resilienceto manage unexpected events and thrive under turbulent times. Recent research also pointsout that employee inclusion plays an essential role in making an organization more reliable and resilient. However, despite having multiple studies on organizational resilience and employee inclusion within the organizations, no study has ever been conducted to link these two constructs. This study will address the following research gaps by responding to the following questions: 1- What is the impact of Employee inclusion on developing corporate resilience? 2- How does that influence the management of Resilience Enhancing Employee Inclusion? These questions shall be answered by linking existing research on Employee inclusion and Corporate Resilience. By developing a theoretical framework and formulating propositions, this paper shall strive to provide a foundation for future empirical research. Besides this, the paper shall also be helpful in gaining a fresh perspective in the domain of organizational resilience.
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Citation Text :
Jyotsna Singh Research Scholar Christ University, Delhi Email: jyotsna.singh@res.christuniversity.in
Joji chandran Professor and Head Christ university, Delhi

Small Step towards Sustainable Solid Waste Management: An Investigation of household participation in solid waste management with respect to Alappuzha municipality

(T. Dhanalakshmi )

Keywords : Sustainable development, Solid Waste Management, WTP, Household Participation

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.18

[Abstract]
The aim of this paper is to assess the practices of solid waste management in Alappuzha. The research is based on quantitative research design and descriptive survey of the households at Alappuzha using the stratified sampling method for a sample of 200. The primary data was collected using a structured questionnaire that covered two basic principles; a) solid waste management knowledge; b) willingness to pay for waste management practices. Data was analyzed using the SPSS to carry out statistical analysis. The finding shows households‟ knowledge towards the solid waste management is good and positive. However, finding also shows that 55% of the households were willing to pay for safe disposal. Most of the households agreed to participate in the activities of the segregation of waste if the facility will be made available at their backyard. Also for a developing country like India, it is not possible for the government alone to tackle the issues of solid waste management. Rather the active support of public is essential. Therefore, it is recommended that the citizen should be provided with more in-depth knowledge by intensifying the awareness of the households and facilities to them in the solid waste management programs. In term of urban planning and management, the location of aerobic unit facility can be analyzing by using GIS.
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Citation Text :
T. Dhanalakshmi Principal, Matha College of Technology, North Paravoor, Ernakulam

Neuromarketing and Artificial Intelligence for Effective Future Business

( Peter Varghese )

Keywords : Neuromarketing, Artificial Intelligence, Eye Tracking, Profound Hunting

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.19

[Abstract]
Marketing is nothing but a decision making process from the marketer and the customer. It is a process happening in the brain of the persons involved it. Therefore neuromarketing is the concern for the marketer to understand the ‘buybutton’ of the customer. Neuromarketing is a developing topic and area of marketing research. Neuromarketing is a discipline that adapts theories from neuroscience and applies them to the marketing science, economics and psychology. Neuro-scientific methods explain change in the consumer emotions in advertising elasticity or success. Artificial Intelligence is a computer-based logical analytical process that seeks to create computer systems to arrive at conclusions like the human intelligence. Artificial intelligence, machine learning is there to help the corporate operations and marketing teams have wide scope to convey massive value to AI’s potential data. The emergence of AI, the combination with Neuro-marketing, the limitations may disappear and the tools and methods would be more accessible. Neuromarketing will be helpful in the formulation of the algorithm for AI and the future of the amalgamation is promising.
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Citation Text :
Peter Varghese Vice Principal De Paul College , Kannur Email: peterooroth@gmail.com

Factors influencing Patients’ preferences for purchasing hearing aid

( Anjan Niyogi,Pallavi Kumari )

Keywords : Hearing Aids use, Perceived Benefits of use, Physical Comfort, Psycho-Social Factors, Service Expectation

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.20

[Abstract]
Studies conducted on Hearing Aids use by different scholars have revealed the fact that 25% Hearing Aid users do not use Hearing Aids. There are varied reasons for non-usage of Hearing Aids which are associated with the physical fit, sound quality or it might be performance of the Hearing Aid.

The Motivational theories does have a case which does directs towards which the study would be evaluated. Based on, the Literature Review the four constructs namely identified are Perceived Benefits of use, Physical Comfort, Psycho-Social Factors & Service Expectation, which generally plays an important role for purchase of Hearing Aid.

Hearing Aid purchase in case of Adults mainly takes place due to influence of family members and other related persons. It impacts the quality of life when impairment is in advanced stage (Marie Oberg, 2010). But do not clarify the changes in Demography, Socio-Economic changes having its impact on the purchase of Hearing Aid. The study holistically considers that spatial perceptions have an impact on the speech intelligibility (Jens Clubick, 2018). Most of the studies (Elizabeth Dodds, Charles Speak 1966) have studied the performance of Hearing Aid and its acceptability. In this study mapping technique would be used to understand the problem.

The study would definitely give an insight into how can one handle the issues of selection of Hearing aid. Further, will also let us know the relationship between Hearing Aid usage and satisfaction derived from the aid. Further, we can identify weather there is any positive relationship exists within the broad spectrum of Hearing Aid usage on the user’s satisfaction. This study through its constructs will consider the Psychosocial Factors; Ease of Using Hearing Aid will provide a unique study of its kind.
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Citation Text :
Anjan Niyogi Research Scholar ICFAI University Jharkhand, Ranchi Email:anjanniyogi@gmail.com
Pallavi Kumari Associate Professor ICFAI University Jharkhand pallavikumari@iujharkhand.edu.in

Teenager socialization and factors effecting purchase decision of teenagers

( Jaya Mehrotra , Pallavi Kumari )

Keywords : Internet, social media, Teenager socialization, Family decision making, Product involvement, Peer communication

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.21

[Abstract]
The rise of social media has enabled a rapid growth in our daily interactions and has become an integral part of our system. Internet and social media have become a definite part of our lives and so it now plays an important role in consumer purchase decision where teens are considered as a crucial changing factor. This study attempt to reveal the various factors of Internet and social network that influences the purchase decision among teens of Patna and Ranchi considering online peer communication, social networking groups, Brand/company pages online and several other factors. In-depth literature reviews reveals the growth of social media and internet as a key to teenager socialization and teen profiling remains a challenge along with several other factors e.g.; Brand interaction through social media page, online social groups of brand influencers along with cultural effect on teen socialization. Hypothesis testing is done using ANOVA wherein the results show a significant trend in involvement of demographic/environmental factors as a key influencer in purchase decision making style of the teenagers. Socialization process is analyzed among 330 respondents .The result shows a positive influence of antecedent variables like age, social media and peer involvement in purchase decision making and product involvement in family decision making.

The study is significantly important for companies who are attempting to make a mark in minds of the teenagers who are not only a potential future consumer but is also a lucrative present costumer.This study will be useful for business operating online, researchers and for all those business that are connected with purchasing and selling online.
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Citation Text :
Jaya Mehrotra Research Scholar ICFAI University Jharkhand, Ranchi, India jaya.mehrotra@gmail.com
Pallavi Kumari Associate Professor ICFAI University Jharkhand Pallavikumari@iujharkhand.edu.in

Kerala Scheduled Caste and Scheduled Tribe Sub Plan outlay on Social Welfare and Poverty Alleviation

( Dr Gipson Varghese , Dr Jaimol James )

Keywords : Schedules caste, Scheduled tribe, public fund allocation, public fund utilization, social welfare programs, rural livelihood and poverty alleviation

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.22

[Abstract]
This paper presents the trends in public expenditure for social welfare activities and poverty alleviation programs for the Scheduled Caste and Scheduled Tribe population of the state. The data collected from 2011 till 2019 shows that the fund allocation and utilization has increased over the years, thus resulting to the better livelihood of SC/ST population. A two pronged strategy followed by the state government shows the state interest in the upliftment of the weaker sections. The role of Local Self Government institution in supporting the SC/ST population has got special importance in this study and a case study is conducted in Kanjirapally Grama Panchayat. An important finding of the study is that the public fund allocation and utilization has a positive impact in the rural livelihood and employment generation programs. Kerala Government earmarks fund for Scheduled Caste Sub Plan (SCSP) from State Plan outlay in proportion to the percentage population of Scheduled Caste, and allocates fund for Tribal Sub Plan (TSP) more than that of ST population percentage. A two pronged strategy is followed for the development of SC/ST in the State. One is the assistance provided through the LSGs and the other through SC/ST Development Department. Out of the total SCSP/TSP Plan outlay, a certain percentage of funds are allocated to Local Governments for implementation of schemes under decentralized planning and the remaining to the SC/ST Development Department. A system of earmarking certain amount of SCSP/TSP as pooled fund under SCSP and TSP supports the social welfare and employment generations programs in the state. In this paper, an attempt is made to examine the allocation and utilization of fund for SC/ST population and its impact on their standard of living. To evaluate the effectiveness of the programs, a case study from Ward X11 of Kanjirappally Grama Panchayat is explained. The findings from the study proved that, there occurred a considerable improvement in the socio- economic conditions of the SC/ST population. But, it is also observed that a lot has to be done to improve the vulnerable condition of this section of population.
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Citation Text :
Dr Gipson Varghese Assistant Professor Department of Economics, St. Dominic's College, Kanjirapally Kottayam gipsonvk@gmail.com
Dr Jaimol James Assistant Professor, St Dominic's College, Kanjirapally bijujai2000@gmail.com

An Empirical Study on Agile Project Management in IT Company

( Vasumathi A , Divyakala C )

Keywords : Project Management, agile, change, new standard, software development, success and project risk.

EOI : eoi.citefactor.org/10.11224/IUJ.01.01.23

[Abstract]
In project management, and in predominantly software project management, there is a move since old-style plan-based project management to the agile event focused project management style. Agile project management is observed as the new immense alteration and has a major impact on software industry. It can be definitely thought that the agile is fetching the new standard for software development projects. The notion of agile is about for some period, and though knowledge and procedure are growing, agile is not constantly the solution. Accepting at what time to practice agile and which accomplishment aspects are to be measured is vital for organizational achievement. Agile is quite prevalent and new methodologies keeps performing. The main goal of this research is to find probable factors which could disturb the accomplishment of a good team environment in the industry and its relations between each of these factors. More specifically the model of the project management followed in many companies is not a stable one and hence a hybrid framework of agile project management and tools are to be studied. In this study 106 observes, which could possibly disturb the project achievement were notorious over a literature review. These practices were limited down based on the roles and experience in the industry. Finally, only certain roles had the major impact on the study and maintaining a good team environment with respect to project risk and change reaction considered as a major factor for employees’ work experience.
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Citation Text :
Vasumathi A Associate Dean, VITBS, Vellore
Divyakala C Research Scholar, VITBS, Vellore Email: divyakala.2020@vitstudent.ac.in