This document analyzes the effect of financial knowledge on investment decisions of 200 investors from Gandhinagar District in India. It finds that urban investors have significantly higher average financial knowledge scores than rural investors, based on their answers to questions testing understanding of financial terms, risk, return, and investment avenues. A questionnaire was used to collect data on demographics, financial knowledge, perceptions of risk and return of different investments, and actual investment decisions. The findings suggest that greater financial knowledge is correlated with more rational investment decisions based on risk-return analysis rather than just opinions of others.
Impact of Financial Knowledge of Investors Investment Making Decisionsijtsrd
The objective of the study is to find the impact of financial knowledge of investors on their investment making decisions. Investors are said to rational but due to the human nature, biasness comes into picture while making investment decisions. Financial literacy and financial knowledge are taken as an imperative terms for regulating human nature of investors while making essential investment decisions The study was conducted on 150 investors in the city of PUNE. The data was collected through structured questionnaire and data so obtained was analyzed with the help of SPSS software. Sunil Deshpande | Dr. Sanjay Patankar "Impact of Financial Knowledge of Investors Investment Making Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-4 , June 2021, URL: https://www.ijtsrd.compapers/ijtsrd42536.pdf Paper URL: https://www.ijtsrd.commanagement/accounting-and-finance/42536/impact-of-financial-knowledge-of-investors-investment-making-decisions/sunil-deshpande
Investment Preferences and Risk Level: Behavior of Salaried IndividualsIOSR Journals
The study aimed to analyze the relationship of demographic variables with the investment preferences consisting of stock investment and gambling decisions of salaried individuals of finance teachers and bankers of Gujrat and Sialkot .The questionnaires were distributed to analyze the significant differences in risk level and investment preferences by taking a sample of 120 individuals. Findings of this research indicated that females are more risk averse than males whereas young and educated people are attracted more towards new risky investment opportunities and want to invest their money but they are reluctant because of limited resources and lack of investment opportunities and absence of investment trends. In addition the emergence of frequent religious issues, non conducive economic environment and culture are found to be the main factors having negative relationship with gambling while making investment decisions.
A Conceptual Study on Investment Pattern Followed by Salaried WomenYogeshIJTSRD
This document summarizes a study on the investment patterns of salaried women in India. It reviews previous literature that found women prioritize protection and returns when investing. Common investment options for women included banks, gold, real estate, life insurance, and postal deposits. The current study examined the socioeconomic backgrounds and investment avenues, instruments, sources of information and influencing variables for 110 salaried women using questionnaires. It found women invest for goals like children's education and marriage while emphasizing protection and returns when choosing investments regularly. Overall, the study aimed to understand the investment patterns and decision-making factors for salaried women in India.
- The document examines the awareness level and investment behavior of salaried individuals towards financial products in India.
- It finds that respondents have high awareness of traditional financial products like bank deposits and life insurance, but low awareness of newer products like mutual funds, stocks, and forex markets.
- In terms of investment behavior, the majority of respondents invest their money in traditional and safe options like bank deposits and life insurance. Few invest in riskier assets like stocks or commodities.
The document is a project report submitted by Dhwani Kishor Shah to The Maharaja Sayajirao University in Vadodara, Gujarat, India. The report examines the savings and investment patterns of salaried employees. It includes sections on the introduction, objectives, rationale, limitations, research methodology, concepts of savings and investment, characteristics of investment, need and types of investment, industry profile, data and interpretation, summary and conclusions, and an attached questionnaire. The overall aim is to analyze how salaried employees in India save and invest their money.
A Study on Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
Investor behavior in the stock market – Rational and Irrational perspectivesRohit Bedi
This research involves the study of buying and selling behavior of the Indian investor from both rational and irrational perspectives. The research involves collection of primary data through a questionnaire. The questionnaire has general questions related to investors’ preferences regarding their investment decisions and questions related to the influence groups which affect their investment behavior.
Effectiveness of Personal Finance among Selected Skilled – Working Expatriate...Dr. Amarjeet Singh
In the study entitled “Effectiveness of Personal
Finance among Selected Skilled – Working Expatriates in the
Kingdom of Bahrain”, the research sought answers on the
following specific problems and drawn inferences that
relatively identified factors on personal finance. Specifically,
the research included fifty respondents having twenty – five
(25) males and twenty - five (25) skilled – working expatriates
who are connected with various companies in the Kingdom.
Through survey – questionnaires, data were gathered,
collected, and were used as basis of analysis subject to
statistical treatments that include frequency count, weighted
means and comparison through t – test.
The study has inferred the level of effectiveness of
personal finance among selected skilled – working expatriates
as Effective with a combined average weighted mean of 4.20
and with a test result of Not Significant leading to the
decision to fail to reject the null hypothesis. while the degree
of seriousness of the problems encountered by selected skilled
– working expatriates revealed that their top difficulty is
financial wellness factored by salary reasons, compensation,
debt and liabilities and the inflations in the prices across
almost basic demands and social and living costs.
Impact of Financial Knowledge of Investors Investment Making Decisionsijtsrd
The objective of the study is to find the impact of financial knowledge of investors on their investment making decisions. Investors are said to rational but due to the human nature, biasness comes into picture while making investment decisions. Financial literacy and financial knowledge are taken as an imperative terms for regulating human nature of investors while making essential investment decisions The study was conducted on 150 investors in the city of PUNE. The data was collected through structured questionnaire and data so obtained was analyzed with the help of SPSS software. Sunil Deshpande | Dr. Sanjay Patankar "Impact of Financial Knowledge of Investors Investment Making Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-4 , June 2021, URL: https://www.ijtsrd.compapers/ijtsrd42536.pdf Paper URL: https://www.ijtsrd.commanagement/accounting-and-finance/42536/impact-of-financial-knowledge-of-investors-investment-making-decisions/sunil-deshpande
Investment Preferences and Risk Level: Behavior of Salaried IndividualsIOSR Journals
The study aimed to analyze the relationship of demographic variables with the investment preferences consisting of stock investment and gambling decisions of salaried individuals of finance teachers and bankers of Gujrat and Sialkot .The questionnaires were distributed to analyze the significant differences in risk level and investment preferences by taking a sample of 120 individuals. Findings of this research indicated that females are more risk averse than males whereas young and educated people are attracted more towards new risky investment opportunities and want to invest their money but they are reluctant because of limited resources and lack of investment opportunities and absence of investment trends. In addition the emergence of frequent religious issues, non conducive economic environment and culture are found to be the main factors having negative relationship with gambling while making investment decisions.
A Conceptual Study on Investment Pattern Followed by Salaried WomenYogeshIJTSRD
This document summarizes a study on the investment patterns of salaried women in India. It reviews previous literature that found women prioritize protection and returns when investing. Common investment options for women included banks, gold, real estate, life insurance, and postal deposits. The current study examined the socioeconomic backgrounds and investment avenues, instruments, sources of information and influencing variables for 110 salaried women using questionnaires. It found women invest for goals like children's education and marriage while emphasizing protection and returns when choosing investments regularly. Overall, the study aimed to understand the investment patterns and decision-making factors for salaried women in India.
- The document examines the awareness level and investment behavior of salaried individuals towards financial products in India.
- It finds that respondents have high awareness of traditional financial products like bank deposits and life insurance, but low awareness of newer products like mutual funds, stocks, and forex markets.
- In terms of investment behavior, the majority of respondents invest their money in traditional and safe options like bank deposits and life insurance. Few invest in riskier assets like stocks or commodities.
The document is a project report submitted by Dhwani Kishor Shah to The Maharaja Sayajirao University in Vadodara, Gujarat, India. The report examines the savings and investment patterns of salaried employees. It includes sections on the introduction, objectives, rationale, limitations, research methodology, concepts of savings and investment, characteristics of investment, need and types of investment, industry profile, data and interpretation, summary and conclusions, and an attached questionnaire. The overall aim is to analyze how salaried employees in India save and invest their money.
A Study on Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
Investor behavior in the stock market – Rational and Irrational perspectivesRohit Bedi
This research involves the study of buying and selling behavior of the Indian investor from both rational and irrational perspectives. The research involves collection of primary data through a questionnaire. The questionnaire has general questions related to investors’ preferences regarding their investment decisions and questions related to the influence groups which affect their investment behavior.
Effectiveness of Personal Finance among Selected Skilled – Working Expatriate...Dr. Amarjeet Singh
In the study entitled “Effectiveness of Personal
Finance among Selected Skilled – Working Expatriates in the
Kingdom of Bahrain”, the research sought answers on the
following specific problems and drawn inferences that
relatively identified factors on personal finance. Specifically,
the research included fifty respondents having twenty – five
(25) males and twenty - five (25) skilled – working expatriates
who are connected with various companies in the Kingdom.
Through survey – questionnaires, data were gathered,
collected, and were used as basis of analysis subject to
statistical treatments that include frequency count, weighted
means and comparison through t – test.
The study has inferred the level of effectiveness of
personal finance among selected skilled – working expatriates
as Effective with a combined average weighted mean of 4.20
and with a test result of Not Significant leading to the
decision to fail to reject the null hypothesis. while the degree
of seriousness of the problems encountered by selected skilled
– working expatriates revealed that their top difficulty is
financial wellness factored by salary reasons, compensation,
debt and liabilities and the inflations in the prices across
almost basic demands and social and living costs.
A CONCEPTUAL FRAMEWORK FOR RESEARCH ON INVESTMENT DETERMINANTS AMONG NON-INST...IAEME Publication
In modern economic world income plays a very vital role in every one’s daily life.
Investment has been one of the major concerns for the Non-institutional investors as
their today’s small savings would be meeting with the expenses of tomorrow. The risk
and returns proportion from each of these investment options varies from one to
another. Investor’s behavior plays an important role in investment decision making,
which is influenced by many a factors during the process of investment decision
making. Today, investors have many avenues of investment with different features to
cater their present and future needs. The focus of this paper (non-institutional
investors), unlike institutional investor, suffers from various sort of perception while
deploying their funds due to their low investible funds, risk taking capacity, low
investment education and their exposure to evaluate the available information. This
situation of the non-institutional investors motivates to study as these investors are the
finest source of small savings in investment set-up of the country. This paper presents
a conceptual framework for research on investment determinants among noninstitutional investors to be carried out further by the researchers.
52 operational efficiency of financial inclusion in puducherrychelliah paramasivan
This document summarizes a study on the operational efficiency of financial inclusion in Puducherry, India. The study used a sample of 500 no-frill bank account holders to analyze the relationship between various socio-economic factors and household bank account usage. Chi-square tests found significant relationships between household accounts and factors like gender, age, marital status, occupation, and education. The study concludes that expanding access to banking services in rural areas can promote financial inclusion, but banks need strategies like simplifying loan procedures, increasing customer awareness, and leveraging technology and local partners. Overall, the document analyzes how various demographic characteristics relate to bank account usage among low-income populations in Puducherry.
This document summarizes a research article that analyzes the influence of characteristics of mutual funds on investment decisions. It begins with background on mutual funds and how they pool savings from individual investors. The study aims to understand what factors drive people's decisions to invest in mutual funds by looking specifically at how characteristics of the mutual funds themselves influence those decisions. The hypotheses are that there is a positive relationship between mutual fund characteristics and investment decisions, or there is not. The methodology uses both secondary data from literature and primary data collection to test this.
Socio economic factors on individual behaviour of mutual fund in chennai city...Alexander Decker
This document summarizes a research journal article about socio-economic factors influencing the individual behaviors of juvenile groups investing in mutual funds in Chennai, India. The study found that gender, income, knowledge, and experience were important personal and social influences on how juveniles invest in mutual funds. Prior research shows financial education can improve financial behaviors and increase retirement savings. This study aims to help wealth advisors understand the influences on young generations' wealth management behaviors.
Portfolio mgmt & mutual fund analysis presentation of ICICI BankAmit P
Internship Project during M.B.A 4th Sem.
Project Title: A Study on Portfolio Management & Mutual Fund Analysis of ICICI Bank
Responsibilities :
•To measure the performance of mutual funds using Sharpe’s Performance index
•To calculate Risk & Return of different banks
•To calculate an ideal portfolio using Sharpe’s model of different banks
C.PARAMASIVAN - OPERATIONAL EFFICIENCY OF FINANCIAL INCLUSION IN PUDUCHERRYCp...chelliah paramasivan
The document summarizes a study on the operational efficiency of financial inclusion in Puducherry, India. It discusses the methodology used, which involved collecting primary data through interviews with 500 no-frill bank account holders selected across 7 banks and 125 branches in Puducherry. Chi-square tests found significant relationships between household bank accounts and factors like gender, age, marital status, education, and occupation. The study concludes that banks need to reduce loan requirements, increase financial awareness programs, and leverage technology to better serve rural customers and promote inclusion.
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
A report on Credit Risk Management in BanksAnurag Ghosh
This document discusses credit risk management in banks. It begins with an introduction and methodology section describing the sources of data analyzed. It then includes an index and sections on the banking scenario in India, credit policies, data analysis of NPA levels in major Indian banks showing a correlation between loans and NPAs, definitions of business and credit risk, causes of credit risk, credit risk assessment techniques, and other risk management strategies like credit ratings and ALM. The document analyzes challenges for banks and provides recommendations to better manage credit risk.
The report, released by the Bank Information Centre-Europe and Centre for Financial Accountability, titled ‘Financing the future? The Asian Infrastructure Investment Bank and India’s National Investment and Infrastructure Fund’ warns that the AIIB do due diligence at all levels before approving a new $200m deal with India in April for fear of turning the key on some highly-controversial projects now being stalled by the local community.
The Centre for Financial Accountability aims to strengthen and improve financial accountability within India by engaging in critical analysis, monitoring and critique of the role of financial institutions – national and international, and their impact on development, human rights and the environment, amongst other areas. For more information visit http://www.cenfa.org Get in touch with us at info@cenfa.org
We also publish Finance Matters, a weekly newsletter on the development finance. Archive can be accessed at http://www.cenfa.org/newsletter-archive/
To subscribe, email us at newsletter@cenfa.org
Does Microfinance Matter for Women Borrowers? Recent Findings from BangladeshBasharat Hossain
This paper examines the impact of microfinance on some selected women borrower respondents of
Bangladesh, who have been selected through a systematic random survey process. This is a
quantitative research based on primary and secondary data. The primary data was collected
through a structured questionnaire on sixty women borrowers of the Dhaka City, Bangladesh. This
paper finds that microfinance has a highly significant positive impact on the income of these women
borrower respondents. Moreover, though microfinance encourages for savings and buying new
asset but it has no significant impact on their asset building and savings.Overall, there has been a
mixed outcome from this cross-sections data: microfinance has been found as a matter for women
borrowers’ income increasing aspects, whereas not much effective in increasing savings or building
up of assets. Finally the paper recommends some steps to increase effectiveness of microfinance
on the women borrowers, including expanding training facilities and lower interest rates particularly
for women borrowers
Suggestions to Stimulate Financing under Micro and Small Enterprises Yasha Singh
This topic deals with the financing problem faced by micro and small enterprises and suggestions to stimulate financing in micro and small enterprises. This project report contains 5 different chapters.
The report begins with the first chapter which consists introduction to the problem, background of micro and small enterprises, objective of the project etc.
The second chapter is the introduction to the literature review which gives a brief idea regarding theoretical rationale for loan guarantee programs in micro and small enterprises.
The third chapter is about research methodology adopted in preparing this report. It covers the sample procedure, types of data used and the data collection method.
The fourth chapter comprehensive coverage of forecasting concepts and techniques which shows the analysis of data through tabulation, computation and graphical representation of data collected from survey.
The fifth chapter deals with the findings, suggestion and conclusion.
Managing Risk Around Capital Structure, Liquidity, and Mission jsmatteo
The panel discusses managing risk around capital structure, liquidity, and mission at universities. They provide an overview of Washington University and University of Virginia's risk management approaches, which include developing comprehensive risk frameworks. A major topic is sizing optimal liquidity levels. Both schools are working to better quantify risks, stress test scenarios, and integrate risk management across departments given the interrelated nature of financial risks.
The study set out to address the effect of poor long term financial performance of athletes in Elgeyo Marakwet County. The purpose of the study was to assess effect of investment skills on long term financial performance of Kenyan athletes of Elgeyo Marakwet County, Kenya. The objective was to establish levels of influence of investment skills on long term financial performance of athletes. The study was carried out in Elgeyo Marakwet County which is one of the 47 Counties of Kenya. In regard to establishing levels of influence of investment skills on long term financial performance of athletes in Elgeyo Marakwet County, the study established that 63% did not have savings accounts, thus revealing a poor saving culture against those who had savings accounts at 37% respectively. The study also revealed that majority of the respondents at 62% did not have retirement accounts against only 38% who had retirement accounts. The government, both County and National should ensure favorable policy based conditions and regulations to ensure athletes invest locally for posterity and sustainability. Furthermore, the government should encourage investment advisory extension services across the community.
This document summarizes a study on target customer behavior and marketing approach for IDBI Federal Life Insurance Company. It identifies key managerial problems such as lack of brand awareness and trust. Through qualitative and quantitative research involving surveys and segmentation, it analyzes customer perceptions, preferences and behavior across different income and age groups. The results show gaps in IDBI Federal's marketing activities and awareness. Recommendations focus on targeting specific income segments, positioning products as lower risk options, and boosting marketing efforts through referrals and newspapers.
Level of awareness of non-BSBA HED Students on Banking Industry: Basis For De...Hannah Rain
1) The document discusses a study that aims to determine the level of awareness of non-business students on banking products and how it affects their decision making. It provides background on the importance of banking industry and investment.
2) The study will survey students on their awareness of various banking products like savings accounts, time deposits, checking accounts, and real estate loans. It will analyze if there are differences in awareness levels between student groups.
3) The literature review discusses previous research that found increasing financial awareness is important for making wise investment decisions and achieving financial stability.
Portfolio management and mutual fund analysis for idbi bank by mayur shuklaarun5530
The document is a project report submitted to the University of Pune in partial fulfillment of a 2-year full time MBA program. The project was carried out at IDBI Bank from June 1, 2006 to July 31, 2006. The objective of the project was to understand concepts of portfolio management and mutual funds, analyze various mutual fund schemes, and create an ideal portfolio. The report includes an acknowledgement, contents, executive summary, company profile of IDBI Bank, research objectives and methodology, data analysis of schemes, findings on ideal portfolio creation, and conclusions.
This document introduces some key concepts about investments including:
1) The reasons for investing include earning returns on idle resources, generating funds for specific goals, and providing for an uncertain future.
2) There are three main types of investments - economic, financial, and general investments.
3) Some important characteristics of investments are potential returns, risk level, safety, and liquidity.
4) There are several important reasons for individuals to invest, such as retirement planning, tax benefits, inflation protection, and income generation.
34. A Study Of The Invesement Pattern Of Bank EmployeesBryce Nelson
This document summarizes a study on the investment patterns of bank employees. The study analyzed how demographic factors like age, gender, income level, and education influence the investment preferences of bank workers. A questionnaire was used to collect data from bank employees, which was then analyzed using statistical tests. The results showed that most bank employees invest primarily for safety and security. Common investment vehicles included bank deposits, gold/jewelry, real estate, and government bonds. The study aims to provide guidance for personal finance and investment decisions.
A Study on Investors’ Awareness Level towards Nidhi Companies (Benefit Funds)IOSRJBM
Most of the investors are found to be unaware about investment avenues, rules and regulations. With the rising state of economy, it is the middle and lower middle class that are prone to bear the brunt of a financial burden. In such a situation, family breadwinners find it extremely difficult to save since most investment mechanisms cater to larger amounts. Banking and Non Banking Sectors helps especially the middle and lower middle income people to save and invest in a better way. Thus Nidhi companies one of the type of NBFCS’ in India provide the easiest and most effective solutions for investment and savings with wide scope and potential for monetary growth. Thus this paper aims to study about the investors’ awareness level towards Nidhi Companies
A Study on Factors Influencing Investment Decision Regarding Various Financia...ijtsrd
In the current era of financial inclusion, digitalization and economy driving towards a faster pace, the investors are very much concerned about their savings which can be transferred into investments. The main purpose of investment is to maximize the returns out of it with minimum expenses and risk. There are various factors which affect the investment decision like demographic factors and behavioural biases which decides the type, tenure, amount of the investment. This paper explores that return, advice, tax benefit, liquidity risk appetite of the investors altogether plays a significant part in influencing the investors. Is there any impact of demographic factors like age, gender and income on factors influencing investment decision tried to find out. The results show that factors influencing the investment decision are influenced by income level not by age and gender. Dr. Ankit Jain | Mr Raj Tandel "A Study on Factors Influencing Investment Decision Regarding Various Financial Products" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-6 , October 2020, URL: https://www.ijtsrd.com/papers/ijtsrd33678.pdf Paper Url: https://www.ijtsrd.com/management/accounting-and-finance/33678/a-study-on-factors-influencing-investment-decision-regarding-various-financial-products/dr-ankit-jain
AN ANALYSIS OF AWARENESS ON FINANCIAL INVESTMENT AVENUES AMONG AIRLINE EMPLOYEESIAEME Publication
In this paper, the main objective to know in which investment avenue the majority of airline employees were prefer to investing their funds such as equity, derivatives, Gold bonds, mutual funds, crypto currency, and government securities, and to find out the expectations from investment, amount of investment, the risk-bearing capacity, level of awareness among the employees with help of demographic factors. The study was conducted among airline employees from various airlines in chennai city of Tamilnadu with a sample size of 300 respondents. Descriptive research design was adopted for the study and the primary data was collected through schedule method with the help of a structured questionnaire and the sampling technique adopted was snow ball sampling technique. Data was analyzed and interpreted with the help of statistical tools like Chisquare test and percentage analysis by using SPSS software. So an attempt is made to study the different investment avenues available and the awareness level of various investment avenues among airline employees and their willingness towards investing in financial assets. The study concludes that preference of airline employees towards various investment avenues with the expectation of safety, liquidity and to secure their income generation.
investors' perception towards investment avenues with reference to mangalore ...abhinaya19
This document discusses investors' perceptions of different investment avenues in India. It begins by introducing the importance of capital formation and investment for economic development. It then discusses how capital markets develop as economies grow. There are many financial assets or investment options available in India, each with their own strengths and weaknesses in terms of risk and return. The document aims to understand investors' preferences among these options and how demographic factors influence their decisions. It outlines the objectives, hypotheses, methodology, and limitations of the research study, which uses a survey approach to examine how gender, age, income, and other demographic variables relate to risk tolerance and investment choices.
A CONCEPTUAL FRAMEWORK FOR RESEARCH ON INVESTMENT DETERMINANTS AMONG NON-INST...IAEME Publication
In modern economic world income plays a very vital role in every one’s daily life.
Investment has been one of the major concerns for the Non-institutional investors as
their today’s small savings would be meeting with the expenses of tomorrow. The risk
and returns proportion from each of these investment options varies from one to
another. Investor’s behavior plays an important role in investment decision making,
which is influenced by many a factors during the process of investment decision
making. Today, investors have many avenues of investment with different features to
cater their present and future needs. The focus of this paper (non-institutional
investors), unlike institutional investor, suffers from various sort of perception while
deploying their funds due to their low investible funds, risk taking capacity, low
investment education and their exposure to evaluate the available information. This
situation of the non-institutional investors motivates to study as these investors are the
finest source of small savings in investment set-up of the country. This paper presents
a conceptual framework for research on investment determinants among noninstitutional investors to be carried out further by the researchers.
52 operational efficiency of financial inclusion in puducherrychelliah paramasivan
This document summarizes a study on the operational efficiency of financial inclusion in Puducherry, India. The study used a sample of 500 no-frill bank account holders to analyze the relationship between various socio-economic factors and household bank account usage. Chi-square tests found significant relationships between household accounts and factors like gender, age, marital status, occupation, and education. The study concludes that expanding access to banking services in rural areas can promote financial inclusion, but banks need strategies like simplifying loan procedures, increasing customer awareness, and leveraging technology and local partners. Overall, the document analyzes how various demographic characteristics relate to bank account usage among low-income populations in Puducherry.
This document summarizes a research article that analyzes the influence of characteristics of mutual funds on investment decisions. It begins with background on mutual funds and how they pool savings from individual investors. The study aims to understand what factors drive people's decisions to invest in mutual funds by looking specifically at how characteristics of the mutual funds themselves influence those decisions. The hypotheses are that there is a positive relationship between mutual fund characteristics and investment decisions, or there is not. The methodology uses both secondary data from literature and primary data collection to test this.
Socio economic factors on individual behaviour of mutual fund in chennai city...Alexander Decker
This document summarizes a research journal article about socio-economic factors influencing the individual behaviors of juvenile groups investing in mutual funds in Chennai, India. The study found that gender, income, knowledge, and experience were important personal and social influences on how juveniles invest in mutual funds. Prior research shows financial education can improve financial behaviors and increase retirement savings. This study aims to help wealth advisors understand the influences on young generations' wealth management behaviors.
Portfolio mgmt & mutual fund analysis presentation of ICICI BankAmit P
Internship Project during M.B.A 4th Sem.
Project Title: A Study on Portfolio Management & Mutual Fund Analysis of ICICI Bank
Responsibilities :
•To measure the performance of mutual funds using Sharpe’s Performance index
•To calculate Risk & Return of different banks
•To calculate an ideal portfolio using Sharpe’s model of different banks
C.PARAMASIVAN - OPERATIONAL EFFICIENCY OF FINANCIAL INCLUSION IN PUDUCHERRYCp...chelliah paramasivan
The document summarizes a study on the operational efficiency of financial inclusion in Puducherry, India. It discusses the methodology used, which involved collecting primary data through interviews with 500 no-frill bank account holders selected across 7 banks and 125 branches in Puducherry. Chi-square tests found significant relationships between household bank accounts and factors like gender, age, marital status, education, and occupation. The study concludes that banks need to reduce loan requirements, increase financial awareness programs, and leverage technology to better serve rural customers and promote inclusion.
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
A report on Credit Risk Management in BanksAnurag Ghosh
This document discusses credit risk management in banks. It begins with an introduction and methodology section describing the sources of data analyzed. It then includes an index and sections on the banking scenario in India, credit policies, data analysis of NPA levels in major Indian banks showing a correlation between loans and NPAs, definitions of business and credit risk, causes of credit risk, credit risk assessment techniques, and other risk management strategies like credit ratings and ALM. The document analyzes challenges for banks and provides recommendations to better manage credit risk.
The report, released by the Bank Information Centre-Europe and Centre for Financial Accountability, titled ‘Financing the future? The Asian Infrastructure Investment Bank and India’s National Investment and Infrastructure Fund’ warns that the AIIB do due diligence at all levels before approving a new $200m deal with India in April for fear of turning the key on some highly-controversial projects now being stalled by the local community.
The Centre for Financial Accountability aims to strengthen and improve financial accountability within India by engaging in critical analysis, monitoring and critique of the role of financial institutions – national and international, and their impact on development, human rights and the environment, amongst other areas. For more information visit http://www.cenfa.org Get in touch with us at info@cenfa.org
We also publish Finance Matters, a weekly newsletter on the development finance. Archive can be accessed at http://www.cenfa.org/newsletter-archive/
To subscribe, email us at newsletter@cenfa.org
Does Microfinance Matter for Women Borrowers? Recent Findings from BangladeshBasharat Hossain
This paper examines the impact of microfinance on some selected women borrower respondents of
Bangladesh, who have been selected through a systematic random survey process. This is a
quantitative research based on primary and secondary data. The primary data was collected
through a structured questionnaire on sixty women borrowers of the Dhaka City, Bangladesh. This
paper finds that microfinance has a highly significant positive impact on the income of these women
borrower respondents. Moreover, though microfinance encourages for savings and buying new
asset but it has no significant impact on their asset building and savings.Overall, there has been a
mixed outcome from this cross-sections data: microfinance has been found as a matter for women
borrowers’ income increasing aspects, whereas not much effective in increasing savings or building
up of assets. Finally the paper recommends some steps to increase effectiveness of microfinance
on the women borrowers, including expanding training facilities and lower interest rates particularly
for women borrowers
Suggestions to Stimulate Financing under Micro and Small Enterprises Yasha Singh
This topic deals with the financing problem faced by micro and small enterprises and suggestions to stimulate financing in micro and small enterprises. This project report contains 5 different chapters.
The report begins with the first chapter which consists introduction to the problem, background of micro and small enterprises, objective of the project etc.
The second chapter is the introduction to the literature review which gives a brief idea regarding theoretical rationale for loan guarantee programs in micro and small enterprises.
The third chapter is about research methodology adopted in preparing this report. It covers the sample procedure, types of data used and the data collection method.
The fourth chapter comprehensive coverage of forecasting concepts and techniques which shows the analysis of data through tabulation, computation and graphical representation of data collected from survey.
The fifth chapter deals with the findings, suggestion and conclusion.
Managing Risk Around Capital Structure, Liquidity, and Mission jsmatteo
The panel discusses managing risk around capital structure, liquidity, and mission at universities. They provide an overview of Washington University and University of Virginia's risk management approaches, which include developing comprehensive risk frameworks. A major topic is sizing optimal liquidity levels. Both schools are working to better quantify risks, stress test scenarios, and integrate risk management across departments given the interrelated nature of financial risks.
The study set out to address the effect of poor long term financial performance of athletes in Elgeyo Marakwet County. The purpose of the study was to assess effect of investment skills on long term financial performance of Kenyan athletes of Elgeyo Marakwet County, Kenya. The objective was to establish levels of influence of investment skills on long term financial performance of athletes. The study was carried out in Elgeyo Marakwet County which is one of the 47 Counties of Kenya. In regard to establishing levels of influence of investment skills on long term financial performance of athletes in Elgeyo Marakwet County, the study established that 63% did not have savings accounts, thus revealing a poor saving culture against those who had savings accounts at 37% respectively. The study also revealed that majority of the respondents at 62% did not have retirement accounts against only 38% who had retirement accounts. The government, both County and National should ensure favorable policy based conditions and regulations to ensure athletes invest locally for posterity and sustainability. Furthermore, the government should encourage investment advisory extension services across the community.
This document summarizes a study on target customer behavior and marketing approach for IDBI Federal Life Insurance Company. It identifies key managerial problems such as lack of brand awareness and trust. Through qualitative and quantitative research involving surveys and segmentation, it analyzes customer perceptions, preferences and behavior across different income and age groups. The results show gaps in IDBI Federal's marketing activities and awareness. Recommendations focus on targeting specific income segments, positioning products as lower risk options, and boosting marketing efforts through referrals and newspapers.
Level of awareness of non-BSBA HED Students on Banking Industry: Basis For De...Hannah Rain
1) The document discusses a study that aims to determine the level of awareness of non-business students on banking products and how it affects their decision making. It provides background on the importance of banking industry and investment.
2) The study will survey students on their awareness of various banking products like savings accounts, time deposits, checking accounts, and real estate loans. It will analyze if there are differences in awareness levels between student groups.
3) The literature review discusses previous research that found increasing financial awareness is important for making wise investment decisions and achieving financial stability.
Portfolio management and mutual fund analysis for idbi bank by mayur shuklaarun5530
The document is a project report submitted to the University of Pune in partial fulfillment of a 2-year full time MBA program. The project was carried out at IDBI Bank from June 1, 2006 to July 31, 2006. The objective of the project was to understand concepts of portfolio management and mutual funds, analyze various mutual fund schemes, and create an ideal portfolio. The report includes an acknowledgement, contents, executive summary, company profile of IDBI Bank, research objectives and methodology, data analysis of schemes, findings on ideal portfolio creation, and conclusions.
This document introduces some key concepts about investments including:
1) The reasons for investing include earning returns on idle resources, generating funds for specific goals, and providing for an uncertain future.
2) There are three main types of investments - economic, financial, and general investments.
3) Some important characteristics of investments are potential returns, risk level, safety, and liquidity.
4) There are several important reasons for individuals to invest, such as retirement planning, tax benefits, inflation protection, and income generation.
34. A Study Of The Invesement Pattern Of Bank EmployeesBryce Nelson
This document summarizes a study on the investment patterns of bank employees. The study analyzed how demographic factors like age, gender, income level, and education influence the investment preferences of bank workers. A questionnaire was used to collect data from bank employees, which was then analyzed using statistical tests. The results showed that most bank employees invest primarily for safety and security. Common investment vehicles included bank deposits, gold/jewelry, real estate, and government bonds. The study aims to provide guidance for personal finance and investment decisions.
A Study on Investors’ Awareness Level towards Nidhi Companies (Benefit Funds)IOSRJBM
Most of the investors are found to be unaware about investment avenues, rules and regulations. With the rising state of economy, it is the middle and lower middle class that are prone to bear the brunt of a financial burden. In such a situation, family breadwinners find it extremely difficult to save since most investment mechanisms cater to larger amounts. Banking and Non Banking Sectors helps especially the middle and lower middle income people to save and invest in a better way. Thus Nidhi companies one of the type of NBFCS’ in India provide the easiest and most effective solutions for investment and savings with wide scope and potential for monetary growth. Thus this paper aims to study about the investors’ awareness level towards Nidhi Companies
A Study on Factors Influencing Investment Decision Regarding Various Financia...ijtsrd
In the current era of financial inclusion, digitalization and economy driving towards a faster pace, the investors are very much concerned about their savings which can be transferred into investments. The main purpose of investment is to maximize the returns out of it with minimum expenses and risk. There are various factors which affect the investment decision like demographic factors and behavioural biases which decides the type, tenure, amount of the investment. This paper explores that return, advice, tax benefit, liquidity risk appetite of the investors altogether plays a significant part in influencing the investors. Is there any impact of demographic factors like age, gender and income on factors influencing investment decision tried to find out. The results show that factors influencing the investment decision are influenced by income level not by age and gender. Dr. Ankit Jain | Mr Raj Tandel "A Study on Factors Influencing Investment Decision Regarding Various Financial Products" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-6 , October 2020, URL: https://www.ijtsrd.com/papers/ijtsrd33678.pdf Paper Url: https://www.ijtsrd.com/management/accounting-and-finance/33678/a-study-on-factors-influencing-investment-decision-regarding-various-financial-products/dr-ankit-jain
AN ANALYSIS OF AWARENESS ON FINANCIAL INVESTMENT AVENUES AMONG AIRLINE EMPLOYEESIAEME Publication
In this paper, the main objective to know in which investment avenue the majority of airline employees were prefer to investing their funds such as equity, derivatives, Gold bonds, mutual funds, crypto currency, and government securities, and to find out the expectations from investment, amount of investment, the risk-bearing capacity, level of awareness among the employees with help of demographic factors. The study was conducted among airline employees from various airlines in chennai city of Tamilnadu with a sample size of 300 respondents. Descriptive research design was adopted for the study and the primary data was collected through schedule method with the help of a structured questionnaire and the sampling technique adopted was snow ball sampling technique. Data was analyzed and interpreted with the help of statistical tools like Chisquare test and percentage analysis by using SPSS software. So an attempt is made to study the different investment avenues available and the awareness level of various investment avenues among airline employees and their willingness towards investing in financial assets. The study concludes that preference of airline employees towards various investment avenues with the expectation of safety, liquidity and to secure their income generation.
investors' perception towards investment avenues with reference to mangalore ...abhinaya19
This document discusses investors' perceptions of different investment avenues in India. It begins by introducing the importance of capital formation and investment for economic development. It then discusses how capital markets develop as economies grow. There are many financial assets or investment options available in India, each with their own strengths and weaknesses in terms of risk and return. The document aims to understand investors' preferences among these options and how demographic factors influence their decisions. It outlines the objectives, hypotheses, methodology, and limitations of the research study, which uses a survey approach to examine how gender, age, income, and other demographic variables relate to risk tolerance and investment choices.
ANALYSIS OF INVESTMENT PATTERN OF MUTUAL FUNDS INVESTORS AN EMPIRICAL STUDY...Courtney Esco
This document summarizes a study on individual investors' preferences for mutual funds in Orissa, India. The study used surveys of 200 investors, of which 140 were male and 60 were female, to analyze preferences for different types of mutual funds by gender. Statistical analysis methods like chi-square tests, Spearman rank correlation, and factor analysis were used to evaluate preferences and factors affecting mutual fund selection. The study aimed to explore preferred investment avenues, determine preferences among growth, balanced, tax-saving, income/debt, index, and money market funds, and evaluate qualities affecting selection. Hypotheses about differences in preferences between male and female investors for each fund type were tested.
A Study of Determinants Influencing Financial Literacy of Individual Investor...RSIS International
Investment scenario is changing very fast and financial
literacy impacts financial decisions of individual investors. The
present study is exploratory in nature and determines the factor
that affects financial literacy and how they affect decision
making. The sample consist of 649 individual investors to obtain
information through structured questionnaire from various
parts of India The result indicated that there are seven most
influencing factors of financial literacy that affects investor
decision making are: Attitude, Knowledge, Budgeting Habits,
liquidity, self analytical skills, Emotional Inclination and Goal
Planning. This study will help to determine strategies which will
help to improve financial literacy of an individual investors.
Financial literacy for Mutual Fund Investment: An extensive study on investor...AI Publications
Peoples are always intending to invest their savings for several security purposes, but the crucial matter of concern is that where they are investing. Thinking of such investment options, capital market is a superior alternative all the time. Panic due to lack of financial knowledge about that market acts as crucial parameter in becoming the people’s choice of investment. After went over a myriad of investment choices, mutual fund would be a secure platform to invest. The main purpose of this study is to get an overview about the financial literacy level of Bangladeshi investors who invest in mutual fund and trying to assess the implication of financial literacy on investment intension. Data were collected with the help of online survey method from primary sources on the basis of a well-structured questionnaire where convenient sampling is applicable due to focus on mutual fund investors. Respondents’ financial knowledge level is evaluated by asking eleven specific questions on varied financial concepts following the G20 survey of OECD and investment intention is measured by Ajzen’s conceptual and methodological framework. Based on the descriptive statistics, Correlation is used to analyze the collected primary data. Some significant findings are uncovered like Bangladeshi investors belong to low literacy level. Study also indicates a negligible inverse relationship between financial literacy level and investment intention of investors which in turn stimulate existing investors to recommend others to invest in mutual fund due to low literacy level. So it is profound that low literate investors can be a vital key to promote mutual fund and enrich financial market of Bangladesh.
A study on Indian investors Investments & analysis of their behaviour on vari...Subhashish Mondal
This document is a major project report submitted by Subhashish Mondal to Prof. Anil Kamboj at New Delhi Institute of Management. The report examines investment behaviors and preferences of Indian investors across various investment avenues in India. It provides an overview of the Indian financial industry and describes popular investment options such as savings accounts, mutual funds, stocks, real estate, gold and emerging avenues. Through a survey of 125 investors in Barasat, Kolkata, the report analyzes factors influencing investment decisions and makes recommendations to investors on suitable portfolios based on their risk tolerance and demographics. Key findings suggest educating investors on investment products through campaigns and social media to increase participation in the capital markets.
A synopsis of Final research Report ON Investors' preference on various Investment Avenues in India.
A research report will be generated at the end of the final period evaluating the hypothesis of the reasearch
CUSTOMER PERCEPTION TOWARDS DIFFERENT INVESTMENT AVENUSVenkatasaiMalla
1. The document analyzes customer perception towards different investment avenues based on a study of 110 respondents in India.
2. It finds that most respondents were between 20-30 years old, invested for long-term goals like retirement and children's education, and sought advice from family and magazines on investment decisions.
3. The study concluded that perceptions of different investment avenues like stocks, gold, and savings accounts varied across age groups and income levels but the decision-making process was generally similar regardless of gender. Safety, returns, and risk tolerance most influenced investment choices.
A Study Of Financial Planning And Investment Of IndividualSandra Valenzuela
1) The document discusses a study on financial planning and investment for individuals. It aims to understand how investors can plan their financial resources and analyze short and long term goals.
2) The study found that comprehensive financial planning involves regular analysis, proper management, judgment, and actions. It allows individuals to relate their finances to goals and objectives.
3) Effective financial planning is important as it enables people to save and invest during their working years to maintain a comfortable lifestyle after retirement when working years are less than retired years.
Factors Influencing Investment Decisions of Retail Investors- A Descriptive S...inventionjournals
Investment decisions have gained importance due to the general increase in employment opportunities and economic development of a nation. Awareness of investment avenues has led to the ability and willingness of working people to save and invest their funds for returns, in that perspective this study was conducted. The volatile behaviour of markets has challenged the hypothesis of efficient markets which motivates ones to understand the driving forces behind it. It is the major concern for academicians, investors and portfolio managers to understand the reasons causing irrationality in the markets. This paper uses the theory of behavioural finance to examine the factors influencing investment decisions of individual investors. From the extensive literature review, it was found that there is no single factor which influences the investment decisions of an individual. Moreover factors influencing investment decision varies from time to time, place to place, person to person, securities to securities etc. It was suggested that the policy makers of investment avenues must consider all the variables and its impact on the investors investment decisions while introducing any investment avenues to the market.
This document is a research report on saving and investment awareness among middle-class people in India. It was submitted by Saurabh Suresh Surve to Brihan Maharashtra College of Commerce in Pune under the supervision of Dr. J.R. Lanjekar. The report includes an introduction on savings and investment, objectives of the study, research methodology used which was a survey of 40 individuals, and outlines for findings, conclusion and bibliography sections. The objective was to analyze saving and investment patterns and behaviors among middle-class investors in India.
Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
This document summarizes a study on investor preferences for investment avenues in India. It conducted a survey of 110 investors to understand their awareness and preferences. The study found that while investors were aware of options like stocks, mutual funds, and bonds, many lacked comprehensive knowledge of financial planning and did not have a balanced investment portfolio. It suggested that financial institutions and the government should provide more financial education programs to help investors make wise investment decisions aligned with their goals and risk tolerance.
This document provides an overview of investment options in India and discusses the need for investment planning. It summarizes various investment options like stocks, bonds, real estate, gold, and mutual funds. It states that an investor should evaluate investments based on parameters like safety, liquidity, returns, entry/exit barriers, and tax efficiency. The document then discusses the introduction to investments, need and importance of studying investments, scope of the study, objectives of the study, methodology, limitations of the study, and provides a profile of ICICI Bank.
An Empirical Study On The Determinants Of An Investor S Decision In Unit Trus...Sara Alvarez
This document summarizes a research study on the factors that influence an investor's decision to invest in unit trusts in Malaysia. The study hypothesized that financial status, risk tolerance, expected investment returns, and access to investment information would significantly impact investment decisions. A survey of 202 investors found that financial status, risk tolerance, and sources of information did significantly influence investment behavior, but expected returns did not have a clear relationship. The findings help financial institutions understand investor preferences to better target customers and promote unit trust investments.
Similar to Evaluation Research on Development Level of Energy Internet (20)
Total Ionization Cross Sections due to Electron Impact of Ammonia from Thresh...Dr. Amarjeet Singh
In the present paper, we have employed modified Khare-BEB method [Atoms, (2019)] to evaluate total ionization cross sections by the electron impact for ammonia in energy range from the ionization threshold to 10 MeV. The theoretical ionization cross sections have been compared to the available previous theoretical and experimental results. The collision parameters dipole matrix squared M_j^2 and CRP also have been calculated. The present calculations were found in remarkable agreement with the available experimental results.
A Case Study on Small Town Big Player – Enjay IT Solutions Ltd., BhiladDr. Amarjeet Singh
Adequately trained Manpower is a problem that affects the IT industry as a whole, but it is particularly acute for Enjay IT Solution. Enjay's location in a semi-urban or rural area makes it even more difficult to find a talented employee with the right skills. As the competition for skilled workers grows, it becomes more difficult to attract and keep those workers who have the requisite training and experience.
Effect of Biopesticide from the Stems of Gossypium Arboreum on Pink Bollworm ...Dr. Amarjeet Singh
Pink bollworm and Lepidoptera development quickly in numbers which is a typical animal group that produces around 100 youthful ones inside certain days or weeks. This assault influences the harvests broadly in the tropical and sub-tropical temperature areas. Thus, to keep up with the yield of harvests the vermin ought to be kept away by utilizing pesticides. The unnecessary measure of the purpose of pesticides influences the dirt, land, and as well as human well-being, and contaminates the climate. Thus, an ozone-accommodating biopesticide is extracted from the stems of the Gossypium arboreum. Thus, the extraction of biopesticide from the stems of Gossypium arboreum demonstrated that the quantity of pink bollworm and Lepidoptera is diminished step by step in the wake of showering the arrangement on the impacted region of the plant because of the presence of the gossypol.
Artificial Intelligence Techniques in E-Commerce: The Possibility of Exploiti...Dr. Amarjeet Singh
This document discusses the potential applications of artificial intelligence techniques in e-commerce in Saudi Arabia. It begins with an introduction to e-commerce and AI, and how AI is being used increasingly in e-commerce applications worldwide. It then reviews literature on how AI can be integrated into e-commerce systems and the various applications of AI in e-commerce. Some key applications discussed include AI assistants, personalized recommendations, demand forecasting, supply chain management, fraud detection and more. The document concludes that Saudi Arabia is well positioned to benefit from using AI to boost its growing e-commerce sector.
Factors Influencing Ownership Pattern and its Impact on Corporate Performance...Dr. Amarjeet Singh
This document summarizes a research study that analyzed the factors influencing ownership patterns of selected Indian companies and the impact of ownership patterns on corporate performance. The study used data from 5 industries over 5 years from 2017 to 2021. Multiple regression, ANOVA, and correlation analyses were conducted. The results found that the percentage of independent directors on the board and the size of the company had a significant impact on Indian promoter holdings. Additionally, non-institutional ownership was found to have a significant impact on corporate performance measures like asset utilization ratio. The study concluded that ownership patterns can influence corporate performance and companies should work to optimize factors like debt-equity ratio and board independence to improve financial outcomes.
An Analytical Study on Ratios Influencing Profitability of Selected Indian Au...Dr. Amarjeet Singh
Every country with a well-developed transportation network has a well-developed economy. The automobile industry is a critical engine of the nation's economic development. The automobile industry has significant backward and forward links with every area of the economy, as well as a strong and progressive multiplier impact. The automotive industry and the auto component industry are both included in the vehicle industry. It includes passenger waggons, light, medium, and heavy commercial vehicles, as well as multi-utility vehicles such as jeeps, three-wheelers, military vehicles, motorcycles, tractors, and auto-components such as engine parts, batteries, drive transmission parts, electrical, suspension and chassis parts, and body and other parts. In the last several years, India's automobile sector has seen incredible growth in sales, production, innovation, and exports. India's car industry has emerged as one of the best in the world, and the auto-ancillary sector is poised to assist the vehicle sector's expansion. Vehicle manufacturers and auto-parts manufacturers account for a significant component of global motorised manufacturing. Vehicle manufacturers from across the world are keeping a close eye on the Indian auto sector in order to assess future demand and establish India as a global manufacturing base. The current research focuses on three automotive behemoths: TATA Motors, MRF, and Mahindra & Mahindra.
A Study on Factors Influencing the Financial Performance Analysis Selected Pr...Dr. Amarjeet Singh
The growth of a country's banking sector has a significant impact on its economic development. The banking sector plays a critical role in determining a country's economic future. A well-planned, structured, efficient, and viable banking system is an essential component of an economy's economic and social infrastructure. In modern society, a strong banking system is required because it meets the financial needs of the modern society. In a country's economy, the banking system plays a crucial role. Because it connects surplus and deficit economic agents, the bank is the most important financial intermediary in the economy. The banking system is regarded as the economy's lifeline. It meets the financial needs of commerce, industry, and agriculture. As a result, the country's development and the banking system are intertwined. They are critical in the mobilisation of savings and the distribution of credit to various sectors of the economy. India's private sector banks play a critical role in the country's economic development. So The financial performance of private sector banks must be evaluated carefully.
An Empirical Analysis of Financial Performance of Selected Oil Exploration an...Dr. Amarjeet Singh
After the United States, China, and Japan, India was the world's fourth biggest consumer of oil and petroleum products. The nation is significantly reliant on crude oil imports, the majority of which come from the Middle East. The Indian oil and gas business is one of the country's six main sectors, with important forward links to the rest of the economy. More than two-thirds of the country's overall primary energy demands are met by the oil and gas industry. The industry has played a key role in placing India on the global map. India is now the world's sixth biggest crude oil user and ninth largest crude oil importer. In addition, the country's portion of the worldwide refining market is growing. India's refining industry is now the world's sixth biggest. With plans for Reliance Petroleum Limited to commission another refinery with a capacity of 29 MTPA next 16 to its 33 MTPA refinery in Jamnagar, Gujarat, this position is projected to be enhanced. As a consequence, the Reliance refinery would be the biggest single-site refinery in the world. Based on secondary data gathered from CMIE, the current research examines the ratios influencing the profitability of selected oil exploration and production businesses in India during a 10-year period.
Since 1991, thanks to economic policy liberalization, the Indian economy has entered an era in which Indian businesses can no longer disregard global markets. Prior to the 1990s, the prices of a variety of commodities, metals, and other assets were carefully regulated. Others, which were not rolled, were primarily dependant on regulated input costs. As a result, there was no uncertainty and, as a result, no price fluctuations. However, in 1991, when the process of deregulation began, the prices of most items were deregulated. It has also resulted in the exchange being partially deregulated, easing trade restrictions, lowering interest rates, and making significant advancements in foreign institutional investors' access to the capital markets, as well as establishing market-based government securities pricing, among other things. Furthermore, portfolio and securities price volatility and instability were influenced by market-determined exchange rates and interest rates. As a result, hedging strategies employing a variety of derivatives were exposed to a variety of risks. The Indian capital market will be examined in this study, with a focus on derivatives.
Theoretical Estimation of CO2 Compression and Transport Costs for an hypothet...Dr. Amarjeet Singh
This document discusses theoretical estimates for the costs of compressing and transporting CO2 from a hypothetical carbon capture and storage project at the Saline Joniche Power Plant in Italy. It first provides background on the power plant project from 2008 that proposed converting the site to coal power. It then details the methodology used to size the compression system, estimating power needs for multi-stage compression up to pipeline pressures. Costs are considered for constructing, operating, and maintaining both the compression plant and pipeline to a potential offshore storage site. The aim is to evaluate retrofitting the existing plant with carbon capture and storage as a way to enable continued coal power production consistent with climate goals.
Analytical Mechanics of Magnetic Particles Suspended in Magnetorheological FluidDr. Amarjeet Singh
In this paper, the behavior of MR particles has been systematically investigated within the scope of analytical mechanics. . A magnetorheological fluid belongs to a class of smart materials. In magnetorheological fluids, the motion of magnetic particles is controlled by the action of internal and external forces. This paper presents analytical mechanics for the interaction of system of particles in MR fluid. In this paper, basic principles of Analytical Mechanics are utilized for the construction of equations.
Techno-Economic Aspects of Solid Food Wastes into Bio-ManureDr. Amarjeet Singh
Solid waste is health hazard and cause damage to the environment due to improper handling. Solid waste comprises of Industrial Waste (IW), Hazardous Waste (HW), Municipal Solid Waste (MSW), Electronic waste (E-waste), Bio-Medical Waste (BMW) which depend on their supply & characteristics. Food waste or Bio-waste composting and its role in sustainable development is explained in food waste is a growing area of concern with many costs to our community in terms of waste collection, disposal and greenhouse gases. When rotting food ends up in landfill it turns into methane, a greenhouse gas that is particularly damaging to the environment. Composting is biochemical process in which organic materials are biologically degraded, resulting in the production of organic by products and energy in the form of heat. Heat is trapped within the composting mass, leading to the phenomenon of self-heating. This overall process provide us Bio-Manure.
Crypto-Currencies: Can Investors Rely on them as Investment Avenue?Dr. Amarjeet Singh
The purpose of this study is to examine investors’ perceptions about investing in crypto-currencies. We think that investors trust in crypto-currencies is largely driven by crypto-currency comprehension, trust in government, and transaction speed. This is the first study to examine crypto-currencies from the investor’s perspective. Following that, we discover important antecedents of crypto-currency confidence. Second, we look at the government's role in crypto-currencies. The importance of this study is: first, crypto-currencies have the potential to disrupt the current economic system as the debate is all about impact of decentralization of transactions; thus, further research into how it affects investors trust is essential; and second, access to crypto-currencies. Finally, if Fin-Tech companies or banks want to enter the bitcoin industry may not attract huge advertising costs as well as marketing to soothe clients' concerns about investing in various digital currencies The research sheds light on indecisiveness in the context of marketing aspects adopted by demonstrating investors are aware about the crypto.
Awareness of Disaster Risk Reduction (DRR) among Student of the Catanduanes S...Dr. Amarjeet Singh
The Island Province of Catanduanes is prone to all types of natural hazards that includes torrential and heavy rains, strong winds and surge, flooding and landslide or slope failures as a result of its geographical location and topography. RA 10121 mandates local DRRM bodies to “encourage community, specifically the youth, participation in disaster risk reduction and management activities, such as organizing quick response groups, particularly in identified disaster-prone areas, as well as the inclusion of disaster risk reduction and management programs as part of youth programs and projects. The study aims to determine the awareness to disaster of the student of the Catanduanes State University. The disaster-based questionnaire was prepared and distributed among 636 students selected randomly from different Colleges and Laboratory Schools in the University
The Catanduanes State University students understood some disaster-related concepts and ideas, but uncertain on issues on preparedness, adaptation, and awareness on the risks inflicted by these natural hazards. Low perception on disaster risks are evidently observed among students. The responses of the students could be based on the efficiency and impact of the integration of DRR education in the senior high school curriculum. Specifically, integration of the concepts about the hazards, hazard maps, disaster preparedness, awareness, mitigation, prevention, adaptation, and resiliency in the science curriculum possibly affect the knowledge and understanding of students on DRR. Preparedness drills and other forms of capacity building must be done to improve awareness of the student towards DRRM.
The study further recommends that teachers and instructor must also be capacitated in handling disaster as they are the prime movers in the implementation of the DRRM in education. Preparedness drills and other forms of capacity building must be done to improve awareness of the student towards DRRM. Core subjects in Earth Sciences must be reinforced with geologic hazards. Learning competencies must also be focused on hazard identification and mapping, and coping with different geologic disaster.
The 1857 war was a watershed moment in the history of the Indian subcontinent. The battle has sparked academic debate among historians and sociologists all around the world. Despite the fact that it has been more than 150 years, this battle continues to pique the interest of historians. The war's causes and events that occurred throughout the conflict, persons who backed the British and anti-British fighters, and the results and ramifications, are all aspects of this conflict. In terms of outcomes, many academics believe that the war was a failure for those who started it. It is often assumed that the Indians who battled the British in this conflict were unable to achieve their goals. Many gains accrued to Indians as a result of the conflict, but these achievements are overshadowed by the dispute over the war's failure. This research effort focuses on the war's achievements for India, and the significance of those achievements.
Haryana's Honour Killings: A Social and Legal Point of ViewDr. Amarjeet Singh
Life is unpredictably unpredictable. Nobody knows what will happen in the next minute of their lives. In this circumstance, every human being has the right and desire to conduct their lives according to their own desires. No one should be forced to live a life solely for the benefit and reputation of others. Honour killing is defined as the assassination of a person, whether male or female, who refuses to accept the family's arranged marriage or decides to move her or his marital life according to her or his wishes solely because it jeopardizes the family's honour. The family's supreme authority looks after the family's name but neglects to consider the love and affection shared among family members. I have discussed honour killing in India in my research work. This sort of murder occurs as a result of particular triggers, which are also examined in relation to the role of the law in honour killing. No one can be released free if they break the law, and in this case, it is a felony that violates various regulations designed to safeguard citizens. This crime is similar to many others, but it is distinct enough to be differentiated in the report. When the husband is of low social standing, it lowers the position and caste of the female family, prompting the male family members to murder the girl. But they forget that the girl is their kid and that while rank may be attained, a girl's life can never be replaced, and that caste is less valuable than the girl's life and love spent with them.
Optimization of Digital-Based MSME E-Commerce: Challenges and Opportunities i...Dr. Amarjeet Singh
This document summarizes a research article about optimizing digital-based MSME e-commerce during the COVID-19 pandemic. The article discusses how the pandemic severely impacted MSMEs, with many going out of business. However, digitalization and e-commerce provide opportunities for MSMEs to transform their business models. The article reviews literature showing how technologies like websites, social media, and mobile applications can help MSMEs reach more customers online. Case studies of MSMEs in different countries found that those utilizing digital tools through e-commerce were more successful compared to those relying only on offline sales. The article concludes digitalization is both a challenge and opportunity for MSMEs to adapt their traditional business models and survive or grow
Modal Space Controller for Hydraulically Driven Six Degree of Freedom Paralle...Dr. Amarjeet Singh
This paper presents the Modal space decoupled control for a hydraulically driven parallel mechanism has been presented. The approach is based on singular values decomposition to the properties of joint-space inverse mass matrix, and mapping of the control and feedback variables from the joint space to the decoupling modal space. The method transformed highly coupled six-input six-output dynamics into six independent single-input single-output (SISO) 1 DOF hydraulically driven mechanical systems. The novelty in this method is that the signals including control errors, control outputs and pressure feedbacks are transformed into decoupled modal space and also the proportional gains and dynamic pressure feedback are tuned in modal space. The results indicate that the conventional controller can only attenuate the resonance peaks of the lower eigenfrequencies of six rigid modes properly, and the peaking points of other relative higher eigenfrequencies are over damped, The further results show that it is very effective to design and tune the system in modal space and that the bandwidth increased substantially except surge (x) and sway (y) motions, each degree of freedom can be almost tuned independently and their bandwidths can be increased near to the undamped eigenfrequencies.
It is a known fact that a large number of Steel Industry Expansion projects in India have been delayed due to regulatory clearances, environmental issues and problems pertaining to land acquisition. Also, there are challenges in the tendering phase that affect viability of projects thus delaying implementation, construction phase is beset with over-runs and disputes and last but not the least; provider skills are weak all across the value chain. Given the critical role of Steel Sector in ensuring a sustained growth trajectory for India, it is imperative that we identify the core issues affecting completion of infrastructure projects in India and chalk out initiatives that need to be acted upon in short term as well as long term.
A blockchain is a decentralised database that is shared across computer network nodes. A blockchain acts as a database, storing information in a digital format. The study primarily aims to explore how in the future, block chain technology will alter several areas of the Indian economy. The current study aims to obtain a deeper understanding of blockchain technology's idea and implementation in India, as well as the technology's potential as a disruptive financial technological innovation.
Secondary sources such as reports, journals, papers, and websites were used to compile all the data. Current and relevant information were utilised to help understand the research goals. All the information is rationally organised to fulfil the objectives. The current research focuses on recommendations for enhancing India's Blockchain ecosystem so that it may become one of the best in the world at utilising this new technology.
Public Speaking Tips to Help You Be A Strong Leader.pdfPinta Partners
In the realm of effective leadership, a multitude of skills come into play, but one stands out as both crucial and challenging: public speaking.
Public speaking transcends mere eloquence; it serves as the medium through which leaders articulate their vision, inspire action, and foster engagement. For leaders, refining public speaking skills is essential, elevating their ability to influence, persuade, and lead with resolute conviction. Here are some key tips to consider: https://joellandau.com/the-public-speaking-tips-to-help-you-be-a-stronger-leader/
Comparing Stability and Sustainability in Agile SystemsRob Healy
Copy of the presentation given at XP2024 based on a research paper.
In this paper we explain wat overwork is and the physical and mental health risks associated with it.
We then explore how overwork relates to system stability and inventory.
Finally there is a call to action for Team Leads / Scrum Masters / Managers to measure and monitor excess work for individual teams.
Originally presented at XP2024 Bolzano
While agile has entered the post-mainstream age, possibly losing its mojo along the way, the rise of remote working is dealing a more severe blow than its industrialization.
In this talk we'll have a look to the cumulative effect of the constraints of a remote working environment and of the common countermeasures.
Sethurathnam Ravi: A Legacy in Finance and LeadershipAnjana Josie
Sethurathnam Ravi, also known as S Ravi, is a distinguished Chartered Accountant and former Chairman of the Bombay Stock Exchange (BSE). As the Founder and Managing Partner of Ravi Rajan & Co. LLP, he has made significant contributions to the fields of finance, banking, and corporate governance. His extensive career includes directorships in over 45 major organizations, including LIC, BHEL, and ONGC. With a passion for financial consulting and social issues, S Ravi continues to influence the industry and inspire future leaders.
Colby Hobson: Residential Construction Leader Building a Solid Reputation Thr...dsnow9802
Colby Hobson stands out as a dynamic leader in the residential construction industry. With a solid reputation built on his exceptional communication and presentation skills, Colby has proven himself to be an excellent team player, fostering a collaborative and efficient work environment.
Ganpati Kumar Choudhary Indian Ethos PPT.pptx, The Dilemma of Green Energy Corporation
Green Energy Corporation, a leading renewable energy company, faces a dilemma: balancing profitability and sustainability. Pressure to scale rapidly has led to ethical concerns, as the company's commitment to sustainable practices is tested by the need to satisfy shareholders and maintain a competitive edge.
A presentation on mastering key management concepts across projects, products, programs, and portfolios. Whether you're an aspiring manager or looking to enhance your skills, this session will provide you with the knowledge and tools to succeed in various management roles. Learn about the distinct lifecycles, methodologies, and essential skillsets needed to thrive in today's dynamic business environment.
Employment PracticesRegulation and Multinational CorporationsRoopaTemkar
Employment PracticesRegulation and Multinational Corporations
Strategic decision making within MNCs constrained or determined by the implementation of laws and codes of practice and by pressure from political actors. Managers in MNCs have to make choices that are shaped by gvmt. intervention and the local economy.
Impact of Effective Performance Appraisal Systems on Employee Motivation and ...Dr. Nazrul Islam
Healthy economic development requires properly managing the banking industry of any
country. Along with state-owned banks, private banks play a critical role in the country's economy.
Managers in all types of banks now confront the same challenge: how to get the utmost output from
their employees. Therefore, Performance appraisal appears to be inevitable since it set the
standard for comparing actual performance to established objectives and recommending practical
solutions that help the organization achieve sustainable growth. Therefore, the purpose of this
research is to determine the effect of performance appraisal on employee motivation and retention.