The document discusses a study that investigated the relationship between various factors of ULIP investors and their financial goals for opting into Unit Linked Insurance Plans. Specifically, it examined the relationship between investors' age, marital status, family type, education level, employment nature, and their primary financial goals. Survey data was collected from 550 ULIP customers and analyzed using chi-square tests. The results indicated significant relationships between marital status, age, education, employment, and family type with the primary financial goal for opting into ULIP plans. The authors suggest further studying how investor tendencies to switch options are influenced.
ANALYSIS OF FACTORS GOVERNING THE MARKET PRICE OF SHARES FOR SELECTED COMPANI...IAEME Publication
The infrastructure sector has become the biggest focus area for the Government of India. India plans to spend US$ 1.4 trillion on infrastructure during 2019-23 to have a sustainable development of the country. The Government has suggested investment of Rs. 5,000,000 crore (US$ 750 billion) for railways infrastructure between 2018-2030. This paper focuses on the factors governing the market price of the shares in Infrastructure Sector of Companies such as ABB, Abode, Adani, BEML, BHEL. This study has examined the relationship between dependent variables Market Price Per Share (MPS) and independent variables Dividend Per Share (DPS), Earning per Share (EPS), Net Profit Margin (NPM), Return on Equity (ROE) and Return on Assets (ROA). To fulfill this objective the researchers have collected secondary data related to market price and the financial variables of fore said companies. The collected data was analyzed with E-Views and Excel. The research results found that all the financial variables are not having relationship with market price and it has influence in certain aspects.
KNOWLEDGE, AWARENESS AND PERCEPTION OF HEALTH INSURANCE AMONG INSURED IN A TE...IAEME Publication
The document summarizes a study that assessed the knowledge, awareness, and perception of health insurance among insured patients at a tertiary care hospital in India. The study found that most respondents (92%) were insured, while only 8% were uninsured. It also found that only a few (12%) of insured respondents did not know how much policy coverage was for hospital charges. Additionally, 27% of insured respondents had chosen a health insurance policy to avail good quality treatment. The results indicate that most people are not aware of the process for initiating cashless hospitalization. The study concludes that insurance companies, third-party administrators, and hospitals need to collaborate to address these issues.
Customer perception of health insurance hi products a study inIAEME Publication
This document summarizes a study on customer perception of health insurance products in Imphal City, Manipur, India. It discusses the purpose of studying customer awareness, perceptions, and buying behaviors related to health insurance. It also reviews past literature on topics like health insurance awareness and perception, factors that influence health insurance penetration, and the importance of the insurance industry providing education and ensuring transparent claim settlement processes. The document concludes by noting that health insurance falls under the service industry and discusses relevant aspects of the marketing mix for services.
A STUDY ON JOB COMPLETION OF WORKING WOMEN UNDER THE SERVICE SECTORS TIRUCHIR...IAEME Publication
There are many factors that contribute to job satisfaction and empowerment, according to this study. For the purposes of this paper, we will examine how much decision-making and decision-making power women have in the workplace. It is crucial for women to have a voice in all aspects of income generation, distribution, investment, and expenditure in order to achieve economic empowerment. Working women's empowerment programmes aim to help them exercise their rights as equal partners in society to participate in decision-making at all levels and in all spheres, both inside and outside the home. Women’s earning potential is being improved, and efforts are being made to guarantee that they have access to and control over all family/community assets.
The study has yielded a metrics to evaluate the policyholder’s opinion
towards reason of taking non-life insurance policy. The metrics is validated and tested
in an environment where several national and international non-life insurance
companies are vying to capture the small scale industries non-life insurance market, to
the non-life insurance company and the policyholders. Though much has been studied
about the functioning of these non-life insurance companies, a detailed analysis on the
comparative study of the opinion on the performance of public sector and private
sector insurance has not been made so far.
11.service quality assessment in insurance sector a comparative study between...Alexander Decker
This document summarizes a research study that assessed service quality in the insurance sectors of India and China. The study developed a valid and reliable instrument to measure customer perceptions of service quality across six dimensions: assurance, personalized financial planning, competence, corporate image, tangibles, and technology. While both countries operate in similar service environments, the study found that customer responses to these service quality components differed between the two countries. The document provides background on the growth of the insurance industries in India and China and reviews literature on previous studies measuring service quality in various service sectors and countries.
An Impact of Capital Adequacy Ratio on the Profitability of Private Sector Ba...Dr. Amarjeet Singh
Profitability being one of the cardinal principles of bank lending acts as a game changer for the survival and success of private sector banks in India. In order to stay profitable, banks have to capitalise on every penny advanced to yield the expected returns. However, considering the constraints laid down by the Reserve Bank of India, banks have to maintain a minimum capital adequacy ratio, as per the current BASEL III regulations active in India. With the mergers of public sector banks, the challenge has got just tougher for the private sector banks in India. Expansion and Diversification are the key strategies adopted by the key players from the private banking sector, however, with the minimum capital adequacy ratio observed by them, it is necessary to understand its actual impact on the bank’s profitability. This research paper aims to throw light upon the linkage that capital adequacy has with the bank’s profitability. It attempts to establish a relation between the Capital Adequacy Ratio with the Net profits of the bank. For the purpose of this study, data from the past 5 years of the leading private sector banks has been collected, namely, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, AXIS Bank and YES Bank. The collected data has been analysed using Pearson’s Correlation to establish a relation between the CAR Ratio & the bank’s profitability. Hypothesis testing has been further done to study the quantum of proportionate change in the profitability with a change in the CAR Ratio for private sector banks using applicable research tools. The said research tools are applied to achieve the desired results while maintaining the required quantum of accuracy. It also aims to understand the proportionate impact of changes in CAR to the bank’s profitability, which can act as a suggested measure for banks to develop a reliable framework for efficient capital management and increase overall efficiency. The results derived from the data collected and analyzed aim to provide scope for further study on the subject matter.
ANALYSIS OF FACTORS GOVERNING THE MARKET PRICE OF SHARES FOR SELECTED COMPANI...IAEME Publication
The infrastructure sector has become the biggest focus area for the Government of India. India plans to spend US$ 1.4 trillion on infrastructure during 2019-23 to have a sustainable development of the country. The Government has suggested investment of Rs. 5,000,000 crore (US$ 750 billion) for railways infrastructure between 2018-2030. This paper focuses on the factors governing the market price of the shares in Infrastructure Sector of Companies such as ABB, Abode, Adani, BEML, BHEL. This study has examined the relationship between dependent variables Market Price Per Share (MPS) and independent variables Dividend Per Share (DPS), Earning per Share (EPS), Net Profit Margin (NPM), Return on Equity (ROE) and Return on Assets (ROA). To fulfill this objective the researchers have collected secondary data related to market price and the financial variables of fore said companies. The collected data was analyzed with E-Views and Excel. The research results found that all the financial variables are not having relationship with market price and it has influence in certain aspects.
KNOWLEDGE, AWARENESS AND PERCEPTION OF HEALTH INSURANCE AMONG INSURED IN A TE...IAEME Publication
The document summarizes a study that assessed the knowledge, awareness, and perception of health insurance among insured patients at a tertiary care hospital in India. The study found that most respondents (92%) were insured, while only 8% were uninsured. It also found that only a few (12%) of insured respondents did not know how much policy coverage was for hospital charges. Additionally, 27% of insured respondents had chosen a health insurance policy to avail good quality treatment. The results indicate that most people are not aware of the process for initiating cashless hospitalization. The study concludes that insurance companies, third-party administrators, and hospitals need to collaborate to address these issues.
Customer perception of health insurance hi products a study inIAEME Publication
This document summarizes a study on customer perception of health insurance products in Imphal City, Manipur, India. It discusses the purpose of studying customer awareness, perceptions, and buying behaviors related to health insurance. It also reviews past literature on topics like health insurance awareness and perception, factors that influence health insurance penetration, and the importance of the insurance industry providing education and ensuring transparent claim settlement processes. The document concludes by noting that health insurance falls under the service industry and discusses relevant aspects of the marketing mix for services.
A STUDY ON JOB COMPLETION OF WORKING WOMEN UNDER THE SERVICE SECTORS TIRUCHIR...IAEME Publication
There are many factors that contribute to job satisfaction and empowerment, according to this study. For the purposes of this paper, we will examine how much decision-making and decision-making power women have in the workplace. It is crucial for women to have a voice in all aspects of income generation, distribution, investment, and expenditure in order to achieve economic empowerment. Working women's empowerment programmes aim to help them exercise their rights as equal partners in society to participate in decision-making at all levels and in all spheres, both inside and outside the home. Women’s earning potential is being improved, and efforts are being made to guarantee that they have access to and control over all family/community assets.
The study has yielded a metrics to evaluate the policyholder’s opinion
towards reason of taking non-life insurance policy. The metrics is validated and tested
in an environment where several national and international non-life insurance
companies are vying to capture the small scale industries non-life insurance market, to
the non-life insurance company and the policyholders. Though much has been studied
about the functioning of these non-life insurance companies, a detailed analysis on the
comparative study of the opinion on the performance of public sector and private
sector insurance has not been made so far.
11.service quality assessment in insurance sector a comparative study between...Alexander Decker
This document summarizes a research study that assessed service quality in the insurance sectors of India and China. The study developed a valid and reliable instrument to measure customer perceptions of service quality across six dimensions: assurance, personalized financial planning, competence, corporate image, tangibles, and technology. While both countries operate in similar service environments, the study found that customer responses to these service quality components differed between the two countries. The document provides background on the growth of the insurance industries in India and China and reviews literature on previous studies measuring service quality in various service sectors and countries.
An Impact of Capital Adequacy Ratio on the Profitability of Private Sector Ba...Dr. Amarjeet Singh
Profitability being one of the cardinal principles of bank lending acts as a game changer for the survival and success of private sector banks in India. In order to stay profitable, banks have to capitalise on every penny advanced to yield the expected returns. However, considering the constraints laid down by the Reserve Bank of India, banks have to maintain a minimum capital adequacy ratio, as per the current BASEL III regulations active in India. With the mergers of public sector banks, the challenge has got just tougher for the private sector banks in India. Expansion and Diversification are the key strategies adopted by the key players from the private banking sector, however, with the minimum capital adequacy ratio observed by them, it is necessary to understand its actual impact on the bank’s profitability. This research paper aims to throw light upon the linkage that capital adequacy has with the bank’s profitability. It attempts to establish a relation between the Capital Adequacy Ratio with the Net profits of the bank. For the purpose of this study, data from the past 5 years of the leading private sector banks has been collected, namely, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, AXIS Bank and YES Bank. The collected data has been analysed using Pearson’s Correlation to establish a relation between the CAR Ratio & the bank’s profitability. Hypothesis testing has been further done to study the quantum of proportionate change in the profitability with a change in the CAR Ratio for private sector banks using applicable research tools. The said research tools are applied to achieve the desired results while maintaining the required quantum of accuracy. It also aims to understand the proportionate impact of changes in CAR to the bank’s profitability, which can act as a suggested measure for banks to develop a reliable framework for efficient capital management and increase overall efficiency. The results derived from the data collected and analyzed aim to provide scope for further study on the subject matter.
AN ANALYSIS OF INCOME AND EXPENDITURE WITH SPECIAL REFERENCE TO BMTC, BANGALOREIAEME Publication
The motivation behind this investigation is to dissect the pay and consumption of BMTC by applying basic normal estimation technique. As far as contrasting its exhibition and proficiency for 3years. It analyzes the data found inside an organization's benefit and misfortune account. The examination depended on optional information from records, reports and profile of the Bangalore metropolitan vehicle enterprise. Basic normal strategy is a technique which can be gotten by the normal pace of earnings and consumption things in the fiscal report and can be determined by duplicating the complete of the units essentially by the quantity of getting factors. A goal of the investigation incorporates examining the productivity, perceiving the feeble functional regions and friends' in general monetary exhibition with appropriate idea for a superior adequacy and to defeat from the frail regions dissected in the organization. Transport is viewed as the existence line of the economy of the country. A productive street transport area, specifically, assumes a pivotal part in a district's financial advancement and development. Uniting both organic market sides, street transport area impacts whole range of social and financial exercises of a country. As of now, BMTC is one of the better run transport frameworks in the country.
This document summarizes a research study that aimed to predict financial distress in manufacturing sectors in Indonesia using financial ratios. The researchers used logistic regression analysis to analyze the relationship between profitability ratios, leverage ratios, and the likelihood of financial distress. The results showed that both profitability ratios and leverage ratios had a significant positive effect on predicting financial difficulties. Specifically, declining profitability and increasing debt levels were indicators that a manufacturing company may experience financial distress.
This document summarizes a research study that examined the effect of fraud pentagon theory on financial statement fraud. The study used fraud score modeling to observe banking companies in Indonesia from 2016-2018. The results found that external pressure and financial stability had a significant effect on financial statement fraud, while audit opinion, audit committee changes, and external audit quality did not. The study aimed to empirically test relationships between several variables derived from fraud pentagon theory, agency theory, and information asymmetry theory on instances of financial statement fraud. Statistical analysis of the companies' financial data supported some but not all of the hypotheses.
IRJET- The Rise of NPA’s in the Indian Banking SectorIRJET Journal
This document summarizes a research paper on the rise of non-performing assets (NPAs) in the Indian banking sector and its impact. It finds that public sector banks account for the majority (88.74%) of total gross NPAs. The top causes of rising NPAs are identified as lack of supervision, political interference, and willful defaulters. While NPAs negatively impact bank performance and profitability, recent data shows gross NPA ratios have declined for scheduled commercial banks from 11.5% in March 2018 to 9.3% in March 2019, indicating some improvement in asset quality. The paper concludes there is an urgent need for banking reforms in India to address the high levels of NPAs, especially in public sector
AN EMPIRICAL STUDY ON CLIENT SATISFACTION TOWARDS PRODUCT QUALITY ATTRIBUTES ...IAEME Publication
Microfinance means providing financial assistance to poorest of the poor to alleviate poverty. It seems to be the effective tool to poverty alleviation with its social objectives. Today, Grama Vidiyal has become one of the largest Microfinance Institutions in India. Grama Vidiyal Microfinance programme crosses the Rs. 1 billion cumulative loan disbursement mark.
Today GVMFL serves one million households in 4 states of India utilising the dedicated services of more than 2800 employees. Thus far, GVMFL had disbursed 18 billion ($398 million) for various income generating activities and the present loan outstanding portfolio is 6 billion ($128million).
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
The Case for Increasing FDI Caps in Insurance
The history of India’s political economy is replete with missed opportunities. The approach to growth and investment has been often stranded in the many romantic notions of selfreliance and what constitutes national interest. In every
decade since Independence, the approach to foreign direct investment has been influenced by a mistrust triggered by a colonial hangover. Every time India has opened its doors – or windows if you please – to foreign investment, it has been characterised by gradualism in the wake of much opposition. The debates around opening or expanding FDI are similar – as it was when telecom or banking opened up for foreign investment. What is important to recognise is that every such initiative has been beneficial, delivering greater common good.
Higher economic growth is driven by competition and consumer choice. Competition drives efficiency and efficiency drives growth. This is true of every country that has done well economically. It is also true of India since 1991, in segments where competition has been introduced. Any attempt to artificially introduce protection always has costs. Inefficient producers are protected, but at the expense of consumers. Consumers suffer from higher prices,bad service and limited choice. This is straightforward under-graduate economic theory. The gains to inefficient producers are more than neutralized by losses to consumers, leading to an overall deadweight welfare loss to the country.
In this argument, the colour of the competition, whether it is domestic or foreign, does not matter. In addition, there is the macroeconomic argument about a current account deficit having to be met through capital account inflows and non-debt-creating FDI inflows are preferable to debt-creating capital inflows. While these broad arguments about competition and FDI are accepted, the question to ask is, why should the insurance sector not be subject to these compelling arguments? Is there anything special about insurance that rational arguments should not be applied to
this sector? In every sector where India has opened up to FDI, be it manufacturing or be it services, two propositions are empirically evident. First, liberalization helps consumers. Second, fears about inefficient producers being eliminated are also vastly exaggerated.
Instead, producers of goods and services adapt and survive, based on access to capital, technology, knowhow, improved management practices and customer orientation. Therefore, protection not only harms the cause of consumers, it also harms the cause of producers. There is no reason why insurance should be treated differently. And economic logic and rationale should not be conditional on whether one is within the government or is in opposition.
A STUDY ON PERFORMANCE MANAGEMENT IN BMTC WITH SPECIAL REFERENCE TO DIVISIONSIAEME Publication
A financial performance management is essential for every company to know the position of the business in this competitive world which helps them to analyse their strength and weakness. It analyses four years of data. This research study has been done with regards to divisions of BMTC in Bangalore. For the study purpose, secondary data have been collected from the annual report of these divisions for the period of four years starting from 2017-2020. Data has been analysed by applying one-way ANOVA. From the analysis, it has been concluded that there is a statistically significant difference in financial performance of these divisions based on the components like kilometre per litre top up oil, Total Vehicles, average vehicles on road and staff productivity of different zones. The expenses incurred with different zones have been analysed. It has been found from the study BMTC remains in standing Position compared to all other divisions between East, west, north, south and central zones. This also helps us to analyse the revenue and expenditure of the BMTC which gives information about financial health.
Functional Utility of Internal Quality Assurance Cells in NAAC Accredited Col...YogeshIJTSRD
1. The document discusses a study on the functional utility of Internal Quality Assurance Cells (IQACs) in NAAC accredited colleges in Odisha, India.
2. The study analyzed the perceived usefulness of IQACs based on the nature of the institution (autonomous vs. non-autonomous, rural vs. urban, government vs. non-government aided).
3. The major finding was that there is no significant association between the nature of the institution and the perceived functional utility of IQACs according to their members across different quality improvement areas.
The document discusses the growing insurance industry in Indonesia and opportunities for youth. It notes that the industry currently relies mainly on agents aged 35-54, while the large under-24 population is untapped. Promoting insurance awareness and careers to youth is the focus of Insurance Day. The industry needs more qualified young agents who can educate clients and help with financial planning. As technology use rises among youth, bancassurance through banks is a fast-growing sales channel, addressing the industry's demand for adaptive talent. However, agents still require proper training and competency standards to effectively serve clients.
Insider Trading in Capital Market A Legal PerspectiveYogeshIJTSRD
The term insider trading is popularly used in the negative sense as it is perceived that the persons having access to the price sensitive and unpublished information used the same for their personal gains. However insider trading per se does not mean any illegal conduct. It encompasses both legal as well as illegal conduct. Ms. Garima Dhaka Sangwan "Insider Trading in Capital Market: A Legal Perspective" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43877.pdf Paper URL: https://www.ijtsrd.com/management/law-and-management/43877/insider-trading-in-capital-market-a-legal-perspective/ms-garima-dhaka-sangwan
Corporate Governance Practices of Indian Public Sector and Private Sector Ban...scmsnoida5
This study examines the differences in corporate governance practices between public sector banks and private sector banks in India. An assessment tool called the Corporate Governance Disclosure Index (CGDI) was used to analyze annual reports from 2002-2014 of top public and private sector banks. Statistical analysis found some significant differences between the two sectors. Private banks had stronger practices related to board structure and remuneration committees. Both sectors differed significantly in adopting non-mandatory recommendations, with private banks exceeding in compliance. However, there were no major differences found regarding transparency/disclosure practices and shareholders' rights. The study aims to compare governance quality between Indian public and private banks.
This document provides an introduction and overview of a project report on foreign direct investment (FDI) in the life insurance sector in India. It includes declarations by the student author, acknowledgements of those who assisted or provided guidance, and an abstract that summarizes the objectives and conclusions of the study. The document outlines the table of contents, which covers chapters on introduction, literature review, company profiles, data analysis and interpretation, and conclusions and suggestions.
Inter nationalisation of pharmaceutical industry Research projectDEEPAK PANT
This document outlines a research project on the prerequisites for internationalization of small and medium enterprises (SMEs), with a focus on the pharmaceutical industry in India. The objectives are to identify the factors that have motivated existing companies to pursue internationalization and determine what resources, relationships, decision-making processes, and information are needed for SME internationalization. Both primary research through surveys and secondary research of existing literature will be conducted. The expected outcome is insights into opportunities and challenges for SME internationalization in the pharmaceutical industry, particularly regarding active pharmaceutical ingredients.
This document discusses using an open access system with internet and communication technologies (ITC) to improve foreign investment in Indonesia. A survey found that 93% of foreign investment companies supported using an ITC-based system to file investment documents online, and 86% found it effective. The document argues that implementing an open ITC system can increase transparency, reduce opportunities for illegal fees, and make it easier for foreign companies to invest in Indonesia by streamlining the process online.
Effect of Corporate Governance on Profitability of Quoted Manufacturing Compa...YogeshIJTSRD
The study determined the extent corporate governance affect profitability of quoted manufacturing companies in Nigeria using board size, board independence, directors’ shares and profit margin of quoted manufacturing companies in Nigeria. Only secondary data was used for the successful execution of this research work. Three hypotheses were formulated for this study while data extracted through the financial statement was tested with the Regression statistical tool using the E view 9. The outcome of the analyses carried out showed that board size has negative but significant effect on net profit margin of manufacturing companies quoted on the Nigeria Stock Exchange. It is therefore recommended that board size should be relative to the firm’s business need, scope and complexity. Since no two firms are exactly alike in all ramifications, it is important that an appropriate size be understood to be a function of each firm’s circumstances. Setting arbitrary board size benchmarks will therefore be counterproductive. Okoye, Pius V. C. | Ugwu, Scholastica C. "Effect of Corporate Governance on Profitability of Quoted Manufacturing Companies in Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44953.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/44953/effect-of-corporate-governance-on-profitability-of-quoted-manufacturing-companies-in-nigeria/okoye-pius-v-c
ICICI Prudential Life Insurance Co. Ltd. is the largest private sector life insurer in India with a 21.9% market share. It has gross premium income of Rs191.6 billion in FY16 and assets under management of Rs1.1 trillion. Key strengths include consistent industry-leading growth, quality customer service, a diversified distribution network, and healthy returns for shareholders. At the issue price of Rs334, ICICI Prudential's stock trades at a P/EV multiple of 3.4x its FY16 embedded value per share, which represents a 47% premium to its last stake sale valuation. The company is well positioned for strong future growth given factors like favorable industry dynamics, partnerships
Education loans are provided by banks to students for higher education. Total education loans outstanding from banks in India is Rs. 64900 crore distributed among 3 million students with an average loan size of Rs. 211666. Of this total exposure, banks face a default of around 5.2% or Rs. 5192 crore mostly from southern states. The repayment of education loans begins either one year after course completion or six months after getting a job, whichever is earlier. Interest is charged during the course period but principal can also be paid to reduce the loan amount.
Study of Investors’ Preference for the Selection of an Insurance ProductDr. Amarjeet Singh
- The document discusses a study on factors that influence investors' preferences when selecting an insurance product in Maharashtra, India.
- It analyzes how demographics like gender and income, as well as factors like product features, premium amounts, claims settlement, etc. impact choice of insurance policies.
- The study found that gender and income do significantly impact the factors considered when selecting a policy, while satisfaction levels varied less between genders for preferred policies.
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.
AN ANALYSIS OF INCOME AND EXPENDITURE WITH SPECIAL REFERENCE TO BMTC, BANGALOREIAEME Publication
The motivation behind this investigation is to dissect the pay and consumption of BMTC by applying basic normal estimation technique. As far as contrasting its exhibition and proficiency for 3years. It analyzes the data found inside an organization's benefit and misfortune account. The examination depended on optional information from records, reports and profile of the Bangalore metropolitan vehicle enterprise. Basic normal strategy is a technique which can be gotten by the normal pace of earnings and consumption things in the fiscal report and can be determined by duplicating the complete of the units essentially by the quantity of getting factors. A goal of the investigation incorporates examining the productivity, perceiving the feeble functional regions and friends' in general monetary exhibition with appropriate idea for a superior adequacy and to defeat from the frail regions dissected in the organization. Transport is viewed as the existence line of the economy of the country. A productive street transport area, specifically, assumes a pivotal part in a district's financial advancement and development. Uniting both organic market sides, street transport area impacts whole range of social and financial exercises of a country. As of now, BMTC is one of the better run transport frameworks in the country.
This document summarizes a research study that aimed to predict financial distress in manufacturing sectors in Indonesia using financial ratios. The researchers used logistic regression analysis to analyze the relationship between profitability ratios, leverage ratios, and the likelihood of financial distress. The results showed that both profitability ratios and leverage ratios had a significant positive effect on predicting financial difficulties. Specifically, declining profitability and increasing debt levels were indicators that a manufacturing company may experience financial distress.
This document summarizes a research study that examined the effect of fraud pentagon theory on financial statement fraud. The study used fraud score modeling to observe banking companies in Indonesia from 2016-2018. The results found that external pressure and financial stability had a significant effect on financial statement fraud, while audit opinion, audit committee changes, and external audit quality did not. The study aimed to empirically test relationships between several variables derived from fraud pentagon theory, agency theory, and information asymmetry theory on instances of financial statement fraud. Statistical analysis of the companies' financial data supported some but not all of the hypotheses.
IRJET- The Rise of NPA’s in the Indian Banking SectorIRJET Journal
This document summarizes a research paper on the rise of non-performing assets (NPAs) in the Indian banking sector and its impact. It finds that public sector banks account for the majority (88.74%) of total gross NPAs. The top causes of rising NPAs are identified as lack of supervision, political interference, and willful defaulters. While NPAs negatively impact bank performance and profitability, recent data shows gross NPA ratios have declined for scheduled commercial banks from 11.5% in March 2018 to 9.3% in March 2019, indicating some improvement in asset quality. The paper concludes there is an urgent need for banking reforms in India to address the high levels of NPAs, especially in public sector
AN EMPIRICAL STUDY ON CLIENT SATISFACTION TOWARDS PRODUCT QUALITY ATTRIBUTES ...IAEME Publication
Microfinance means providing financial assistance to poorest of the poor to alleviate poverty. It seems to be the effective tool to poverty alleviation with its social objectives. Today, Grama Vidiyal has become one of the largest Microfinance Institutions in India. Grama Vidiyal Microfinance programme crosses the Rs. 1 billion cumulative loan disbursement mark.
Today GVMFL serves one million households in 4 states of India utilising the dedicated services of more than 2800 employees. Thus far, GVMFL had disbursed 18 billion ($398 million) for various income generating activities and the present loan outstanding portfolio is 6 billion ($128million).
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
The Case for Increasing FDI Caps in Insurance
The history of India’s political economy is replete with missed opportunities. The approach to growth and investment has been often stranded in the many romantic notions of selfreliance and what constitutes national interest. In every
decade since Independence, the approach to foreign direct investment has been influenced by a mistrust triggered by a colonial hangover. Every time India has opened its doors – or windows if you please – to foreign investment, it has been characterised by gradualism in the wake of much opposition. The debates around opening or expanding FDI are similar – as it was when telecom or banking opened up for foreign investment. What is important to recognise is that every such initiative has been beneficial, delivering greater common good.
Higher economic growth is driven by competition and consumer choice. Competition drives efficiency and efficiency drives growth. This is true of every country that has done well economically. It is also true of India since 1991, in segments where competition has been introduced. Any attempt to artificially introduce protection always has costs. Inefficient producers are protected, but at the expense of consumers. Consumers suffer from higher prices,bad service and limited choice. This is straightforward under-graduate economic theory. The gains to inefficient producers are more than neutralized by losses to consumers, leading to an overall deadweight welfare loss to the country.
In this argument, the colour of the competition, whether it is domestic or foreign, does not matter. In addition, there is the macroeconomic argument about a current account deficit having to be met through capital account inflows and non-debt-creating FDI inflows are preferable to debt-creating capital inflows. While these broad arguments about competition and FDI are accepted, the question to ask is, why should the insurance sector not be subject to these compelling arguments? Is there anything special about insurance that rational arguments should not be applied to
this sector? In every sector where India has opened up to FDI, be it manufacturing or be it services, two propositions are empirically evident. First, liberalization helps consumers. Second, fears about inefficient producers being eliminated are also vastly exaggerated.
Instead, producers of goods and services adapt and survive, based on access to capital, technology, knowhow, improved management practices and customer orientation. Therefore, protection not only harms the cause of consumers, it also harms the cause of producers. There is no reason why insurance should be treated differently. And economic logic and rationale should not be conditional on whether one is within the government or is in opposition.
A STUDY ON PERFORMANCE MANAGEMENT IN BMTC WITH SPECIAL REFERENCE TO DIVISIONSIAEME Publication
A financial performance management is essential for every company to know the position of the business in this competitive world which helps them to analyse their strength and weakness. It analyses four years of data. This research study has been done with regards to divisions of BMTC in Bangalore. For the study purpose, secondary data have been collected from the annual report of these divisions for the period of four years starting from 2017-2020. Data has been analysed by applying one-way ANOVA. From the analysis, it has been concluded that there is a statistically significant difference in financial performance of these divisions based on the components like kilometre per litre top up oil, Total Vehicles, average vehicles on road and staff productivity of different zones. The expenses incurred with different zones have been analysed. It has been found from the study BMTC remains in standing Position compared to all other divisions between East, west, north, south and central zones. This also helps us to analyse the revenue and expenditure of the BMTC which gives information about financial health.
Functional Utility of Internal Quality Assurance Cells in NAAC Accredited Col...YogeshIJTSRD
1. The document discusses a study on the functional utility of Internal Quality Assurance Cells (IQACs) in NAAC accredited colleges in Odisha, India.
2. The study analyzed the perceived usefulness of IQACs based on the nature of the institution (autonomous vs. non-autonomous, rural vs. urban, government vs. non-government aided).
3. The major finding was that there is no significant association between the nature of the institution and the perceived functional utility of IQACs according to their members across different quality improvement areas.
The document discusses the growing insurance industry in Indonesia and opportunities for youth. It notes that the industry currently relies mainly on agents aged 35-54, while the large under-24 population is untapped. Promoting insurance awareness and careers to youth is the focus of Insurance Day. The industry needs more qualified young agents who can educate clients and help with financial planning. As technology use rises among youth, bancassurance through banks is a fast-growing sales channel, addressing the industry's demand for adaptive talent. However, agents still require proper training and competency standards to effectively serve clients.
Insider Trading in Capital Market A Legal PerspectiveYogeshIJTSRD
The term insider trading is popularly used in the negative sense as it is perceived that the persons having access to the price sensitive and unpublished information used the same for their personal gains. However insider trading per se does not mean any illegal conduct. It encompasses both legal as well as illegal conduct. Ms. Garima Dhaka Sangwan "Insider Trading in Capital Market: A Legal Perspective" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd43877.pdf Paper URL: https://www.ijtsrd.com/management/law-and-management/43877/insider-trading-in-capital-market-a-legal-perspective/ms-garima-dhaka-sangwan
Corporate Governance Practices of Indian Public Sector and Private Sector Ban...scmsnoida5
This study examines the differences in corporate governance practices between public sector banks and private sector banks in India. An assessment tool called the Corporate Governance Disclosure Index (CGDI) was used to analyze annual reports from 2002-2014 of top public and private sector banks. Statistical analysis found some significant differences between the two sectors. Private banks had stronger practices related to board structure and remuneration committees. Both sectors differed significantly in adopting non-mandatory recommendations, with private banks exceeding in compliance. However, there were no major differences found regarding transparency/disclosure practices and shareholders' rights. The study aims to compare governance quality between Indian public and private banks.
This document provides an introduction and overview of a project report on foreign direct investment (FDI) in the life insurance sector in India. It includes declarations by the student author, acknowledgements of those who assisted or provided guidance, and an abstract that summarizes the objectives and conclusions of the study. The document outlines the table of contents, which covers chapters on introduction, literature review, company profiles, data analysis and interpretation, and conclusions and suggestions.
Inter nationalisation of pharmaceutical industry Research projectDEEPAK PANT
This document outlines a research project on the prerequisites for internationalization of small and medium enterprises (SMEs), with a focus on the pharmaceutical industry in India. The objectives are to identify the factors that have motivated existing companies to pursue internationalization and determine what resources, relationships, decision-making processes, and information are needed for SME internationalization. Both primary research through surveys and secondary research of existing literature will be conducted. The expected outcome is insights into opportunities and challenges for SME internationalization in the pharmaceutical industry, particularly regarding active pharmaceutical ingredients.
This document discusses using an open access system with internet and communication technologies (ITC) to improve foreign investment in Indonesia. A survey found that 93% of foreign investment companies supported using an ITC-based system to file investment documents online, and 86% found it effective. The document argues that implementing an open ITC system can increase transparency, reduce opportunities for illegal fees, and make it easier for foreign companies to invest in Indonesia by streamlining the process online.
Effect of Corporate Governance on Profitability of Quoted Manufacturing Compa...YogeshIJTSRD
The study determined the extent corporate governance affect profitability of quoted manufacturing companies in Nigeria using board size, board independence, directors’ shares and profit margin of quoted manufacturing companies in Nigeria. Only secondary data was used for the successful execution of this research work. Three hypotheses were formulated for this study while data extracted through the financial statement was tested with the Regression statistical tool using the E view 9. The outcome of the analyses carried out showed that board size has negative but significant effect on net profit margin of manufacturing companies quoted on the Nigeria Stock Exchange. It is therefore recommended that board size should be relative to the firm’s business need, scope and complexity. Since no two firms are exactly alike in all ramifications, it is important that an appropriate size be understood to be a function of each firm’s circumstances. Setting arbitrary board size benchmarks will therefore be counterproductive. Okoye, Pius V. C. | Ugwu, Scholastica C. "Effect of Corporate Governance on Profitability of Quoted Manufacturing Companies in Nigeria" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd44953.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/44953/effect-of-corporate-governance-on-profitability-of-quoted-manufacturing-companies-in-nigeria/okoye-pius-v-c
ICICI Prudential Life Insurance Co. Ltd. is the largest private sector life insurer in India with a 21.9% market share. It has gross premium income of Rs191.6 billion in FY16 and assets under management of Rs1.1 trillion. Key strengths include consistent industry-leading growth, quality customer service, a diversified distribution network, and healthy returns for shareholders. At the issue price of Rs334, ICICI Prudential's stock trades at a P/EV multiple of 3.4x its FY16 embedded value per share, which represents a 47% premium to its last stake sale valuation. The company is well positioned for strong future growth given factors like favorable industry dynamics, partnerships
Education loans are provided by banks to students for higher education. Total education loans outstanding from banks in India is Rs. 64900 crore distributed among 3 million students with an average loan size of Rs. 211666. Of this total exposure, banks face a default of around 5.2% or Rs. 5192 crore mostly from southern states. The repayment of education loans begins either one year after course completion or six months after getting a job, whichever is earlier. Interest is charged during the course period but principal can also be paid to reduce the loan amount.
Study of Investors’ Preference for the Selection of an Insurance ProductDr. Amarjeet Singh
- The document discusses a study on factors that influence investors' preferences when selecting an insurance product in Maharashtra, India.
- It analyzes how demographics like gender and income, as well as factors like product features, premium amounts, claims settlement, etc. impact choice of insurance policies.
- The study found that gender and income do significantly impact the factors considered when selecting a policy, while satisfaction levels varied less between genders for preferred policies.
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.
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
A STUDY ON POLICY - HOLDERS SATISFACTION OF LIFE INSURANCE CORPORATION OF IND...IAEME Publication
This study examined the satisfaction levels of 599 life insurance policy holders of the Life Insurance Corporation of India in Sirkali Town. The researchers collected data on the policy holders' socio-economic characteristics and their perceptions and satisfaction with LIC's policies. Chi-square tests found that age, marital status, and occupation had a significant relationship with satisfaction levels, while gender, education, family income, residence, and family size did not. Most respondents were satisfied with LIC's loan and premium payment facilities. The researchers concluded that LIC must continue studying customers' evolving needs to improve insurance products and better serve society.
A STUDY ON FACTORS AFFECTING CUSTOMERS INVESTMENT TOWARDS LIFE INSURANCE POLI...Lindsey Sais
This document summarizes a study on factors affecting customers' investment in life insurance policies. It examines 150 life insurance policyholders in Jabalpur, Madhya Pradesh through surveys and statistical analysis. The study finds that age and income have a significant impact on customers' life insurance investment decisions, while occupation and gender do not. It also finds that LIC is the most trusted brand among life insurers in India. The study aims to help insurance companies better understand customer preferences and needs to expand the market for life insurance products.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Comparative study of ulip plan and mutual fund of reliance industries marketi...Rohit Ranjan
Unit Linked Insurance Plans (ULIPs) allow policyholders to invest their premiums in a fund that invests in stocks and bonds, with the value of the policy based on the performance of the selected fund. ULIPs provide transparency into where premiums are invested and how returns are calculated, but also carry investment risk unlike traditional policies. IRDA regulations provide guidance around terms, premiums, charges and other features intended to increase transparency and protections for ULIP customers.
This document summarizes a study on investors' perceptions towards mutual funds in Punjab, India. The study aimed to identify factors influencing investors' perceptions and examine the association between perceptions and investor demographics. It conducted a survey of 223 investors in major cities in Punjab. Factor analysis identified the main factors influencing perceptions as advanced investment avenues, investment experience, expected benefits, fund performance, and expert guidance. Chi-square analysis found several significant associations between perceptions and demographics like age, gender, education level, residential area, family size, income, occupation, and marital status. The study provides insights into how different investor characteristics relate to their views of mutual funds in Punjab.
- 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.
Performence of mutual fund by. karan gujratiKaran Gujrati
This document is a dissertation project report submitted by Karan Gujrati to the Department of Business Administration under the guidance of Dr. Mayank Malviya. It discusses the performance of mutual funds in India. The acknowledgement section thanks various people who helped with the project. The declaration confirms this is Karan's original work. The table of contents outlines the various sections of the report which will cover topics like the history of mutual funds in India, types of mutual funds, research methodology used in the analysis, an overview and analysis of various fund types, findings and recommendations.
This document provides an overview of the financial services industry in India, including various subsectors like banking, insurance, mutual funds, stock exchanges, and regulatory bodies. It discusses the role of financial intermediaries in channeling funds between investors and businesses. Some key points covered include:
- The financial services industry plays an important role in promoting investment, savings, and long-term economic growth.
- Major segments include banking, insurance, and mutual funds, which together contribute around 6% to India's GDP.
- Financial intermediaries provide services like maturity transformation and risk mitigation by pooling funds from many sources.
- Important financial institutions include commercial banks, investment banks, brokerages, insurance companies, and non-bank
A Study on Factors Influencing Customers to Prefer the Policies of Life Insur...Dr. Amarjeet Singh
The policyholders once when they become a part of
the LIC feel free about the safety of their wards since it takes
care of fixed financial benefits based on the premium and the
type of the policy the opted for . The families of the nonpolicyholders meet out uncertainty in many cases. So, there is
an attraction towards life insurance and concern and
awareness about the industry is also improving. People who
care much about them and their families hold life insurance.
The tastes and preferences of policyholders not the same. The
LIC of India has been introducing variety of policies based on
the preferences of the policyholders. It is observed that many
policyholders have taken more than one policy based on their
job nature and family members interest. It is a clear
indication that they are very much interested in utilizing
maximum benefits from Insurance companies. Some people
give due importance to money value and high returns on their
investments. But greater risks are inherent advantages
expected from LIC products. The present study emphasis the
factors influencing customers to prefer the policies of life
insurance of India in Palakkad District.
The Policyholders' Preference And Satisfaction Towards Life Insurance Corpora...inventionjournals
: Gradually, the market share of private insurers went up and till financial year 2012-2013 reached
as high as 42%. The market share of LIC decreased after the entry of private insurers but it doesn’t mean that
the growth of LIC got down. LIC continues its growth even after a cut throat competition from the private
players. On the demand side, growth is being fuelled by the growing population base, rising purchasing power,
increased insurance awareness, increased domestic savings and rising financial literacy. The suppliers are
correspondingly playing a market making role as competition intensifies and differentiation become necessary
for profitable growth. Life Insurance Corporation of India offer innovative products to attract further business
from both existing and new policyholders. In this regard the researcher is interested to undertake a study on the
policyholders’ preference and satisfaction with regard to Life Insurance Corporation of India’s policies.
ANALYSIS OF GROWTH OF LIFE INSURANCE INDUSTRY IN INDIA A COMPARATIVE STUDY ...Rhonda Cetnar
The document analyzes the growth of India's life insurance industry from 2001-2018 through metrics like total premium, first year premium, and number of policies for both public (LIC) and private insurers. It finds that while LIC remains the market leader, private insurers have grown rapidly since liberalization, with their first year premium increasing from Rs. 6.45 crore in 2000-2001 to Rs. 59,482.21 crore in 2017-2018. Total life insurance premium for the industry reached Rs. 458,809.44 crore in 2017-2018, up from Rs. 418,476.62 crore the previous year. The study estimates that premiums for both LIC and
Consumer Behavior And Awareness Towards Health Insurance-Minor Research Projectniharikayadav26
This document summarizes a minor research project conducted by students at Prestige Institute of Management and Research on consumer behavior and awareness towards health insurance policies. It includes an acknowledgement section thanking those involved in the project. It also includes a declaration by the students stating the work is original. A faculty guide certification is provided. The document outlines the various chapters that will be included, such as an introduction, literature review, research methodology, data analysis and interpretation, findings, conclusion and suggestions. Tables of demographic data and health insurance purchasing behavior are previewed.
The purpose of this research was to empirically investigate the effect of capital structure on financial sustainability
of deposit-taking micro finance institutions (DTMs) in Kenya. The specific objectives were to determine the impact
of debt on the financial sustainability of DTMs in Kenya, to assess the influence of retained earnings on the financial
sustainability of DTMs in Kenya, to examine the effect of ordinary share capital on the financial sustainability of
MFIs in Kenya, and to investigate the impact of preferred share capital on the financial sustainability of DTMs in
Kenya. The target population of the study was all the 13 DTMs in Kenya registered with the Central Bank of Kenya.
Secondary data was collected on all the DTMs financial data from the Central Bank of Kenya reports. Data was
analyzed using multiple regression model using SPSS and R as the data analysis tool. Based on the findings 76.9%
of the DTMs did not earn enough revenue to cover the actual financing direct costs, which include the total operating
costs, loan loss provisions and the financing costs but excluding the cost of capital. The analysis of variance
(ANOVA) table indicated that the predictor variables influenced the predictor variable significantly at 5%
significance level. Among the four variables; debt and retained earnings were statistically significant variable at 5%
significance level with 1.265 and 1.630 coefficient respectfully. Whereby the financial sustainability change by
1.265 and 1.630 for every unit change of debt or retained earnings respectfully. Therefore, for the deposit-taking
microfinance institutions to remain afloat in the lending business, they should utilize any borrowing opportunity,
plough back profits to the business, and low proportion of preferred share capital. Deposit-taking microfinance
institutions should avoid usage ordinary share capital as it negatively affected financial sustainability
“A STUDY OF THE IMPACT OF LIBERALIZATION ON THE INDIAN LIFE INSURANCE INDUSTRY”Somnath Pagar
This study tries to give an overview of the impacts of liberalization and deregulation processes in Indian life insurance industry.And also takes into account the efficiency improvement in the life insurance industry in the wake of deregulation. To sum up, following research questions are answered in the research study.
1) What is the present scenario of the industry? How different it is from the pre liberalization scenario?
2) The competition in the sector is expected to increase. So what is the present state and nature of competition? What changes have taken place in the market structure of life insurance industry?
3) Whether firms are efficient or not? Whether or not the efficiency and of the insurance market is improving after liberalization?
4) How did liberalization contributed in product innovation and customer service benchmark in life insurance industry?
5) What are the implications of liberalization on spread and coverage of social security measures?
*******
The takaful market has become more diverse with a tremendous increase in the
number of takaful operators worldwide. In overall, the growth of takaful has been
consistently increasing since 2010. Nevertheless, there is a slight difference between
family takaful and general takaful growth, unfavorably the family takaful. Thus, this
research is carried out to examine the significant factors influencing the choice of
family takaful among its participants. For that purpose, one takaful operator has been
sampled out. The findings relate to three contributing factors to the demand of family
takaful products; benefits, product features and quality services. Based on the
findings, takaful operator should focus in improving the takaful agents’ knowledge
Submission Deadline: 30th September 2022
Acceptance Notification: Within Three Days’ time period
Online Publication: Within 24 Hrs. time Period
Expected Date of Dispatch of Printed Journal: 5th October 2022
MODELING AND ANALYSIS OF SURFACE ROUGHNESS AND WHITE LATER THICKNESS IN WIRE-...IAEME Publication
White layer thickness (WLT) formed and surface roughness in wire electric discharge turning (WEDT) of tungsten carbide composite has been made to model through response surface methodology (RSM). A Taguchi’s standard Design of experiments involving five input variables with three levels has been employed to establish a mathematical model between input parameters and responses. Percentage of cobalt content, spindle speed, Pulse on-time, wire feed and pulse off-time were changed during the experimental tests based on the Taguchi’s orthogonal array L27 (3^13). Analysis of variance (ANOVA) revealed that the mathematical models obtained can adequately describe performance within the parameters of the factors considered. There was a good agreement between the experimental and predicted values in this study.
A STUDY ON THE REASONS FOR TRANSGENDER TO BECOME ENTREPRENEURSIAEME Publication
The study explores the reasons for a transgender to become entrepreneurs. In this study transgender entrepreneur was taken as independent variable and reasons to become as dependent variable. Data were collected through a structured questionnaire containing a five point Likert Scale. The study examined the data of 30 transgender entrepreneurs in Salem Municipal Corporation of Tamil Nadu State, India. Simple Random sampling technique was used. Garrett Ranking Technique (Percentile Position, Mean Scores) was used as the analysis for the present study to identify the top 13 stimulus factors for establishment of trans entrepreneurial venture. Economic advancement of a nation is governed upon the upshot of a resolute entrepreneurial doings. The conception of entrepreneurship has stretched and materialized to the socially deflated uncharted sections of transgender community. Presently transgenders have smashed their stereotypes and are making recent headlines of achievements in various fields of our Indian society. The trans-community is gradually being observed in a new light and has been trying to achieve prospective growth in entrepreneurship. The findings of the research revealed that the optimistic changes are taking place to change affirmative societal outlook of the transgender for entrepreneurial ventureship. It also laid emphasis on other transgenders to renovate their traditional living. The paper also highlights that legislators, supervisory body should endorse an impartial canons and reforms in Tamil Nadu Transgender Welfare Board Association.
BROAD UNEXPOSED SKILLS OF TRANSGENDER ENTREPRENEURSIAEME Publication
Since ages gender difference is always a debatable theme whether caused by nature, evolution or environment. The birth of a transgender is dreadful not only for the child but also for their parents. The pain of living in the wrong physique and treated as second class victimized citizen is outrageous and fully harboured with vicious baseless negative scruples. For so long, social exclusion had perpetuated inequality and deprivation experiencing ingrained malign stigma and besieged victims of crime or violence across their life spans. They are pushed into the murky way of life with a source of eternal disgust, bereft sexual potency and perennial fear. Although they are highly visible but very little is known about them. The common public needs to comprehend the ravaged arrogance on these insensitive souls and assist in integrating them into the mainstream by offering equal opportunity, treat with humanity and respect their dignity. Entrepreneurship in the current age is endorsing the gender fairness movement. Unstable careers and economic inadequacy had inclined one of the gender variant people called Transgender to become entrepreneurs. These tiny budding entrepreneurs resulted in economic transition by means of employment, free from the clutches of stereotype jobs, raised standard of living and handful of financial empowerment. Besides all these inhibitions, they were able to witness a platform for skill set development that ignited them to enter into entrepreneurial domain. This paper epitomizes skill sets involved in trans-entrepreneurs of Thoothukudi Municipal Corporation of Tamil Nadu State and is a groundbreaking determination to sightsee various skills incorporated and the impact on entrepreneurship.
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
ANALYSE THE USER PREDILECTION ON GPAY AND PHONEPE FOR DIGITAL TRANSACTIONSIAEME Publication
Technology upgradation in banking sector took the economy to view that payment mode towards online transactions using mobile applications. This system enabled connectivity between banks, Merchant and user in a convenient mode. there are various applications used for online transactions such as Google pay, Paytm, freecharge, mobikiwi, oxygen, phonepe and so on and it also includes mobile banking applications. The study aimed at evaluating the predilection of the user in adopting digital transaction. The study is descriptive in nature. The researcher used random sample techniques to collect the data. The findings reveal that mobile applications differ with the quality of service rendered by Gpay and Phonepe. The researcher suggest the Phonepe application should focus on implementing the application should be user friendly interface and Gpay on motivating the users to feel the importance of request for money and modes of payments in the application.
VOICE BASED ATM FOR VISUALLY IMPAIRED USING ARDUINOIAEME Publication
The prototype of a voice-based ATM for visually impaired using Arduino is to help people who are blind. This uses RFID cards which contain users fingerprint encrypted on it and interacts with the users through voice commands. ATM operates when sensor detects the presence of one person in the cabin. After scanning the RFID card, it will ask to select the mode like –normal or blind. User can select the respective mode through voice input, if blind mode is selected the balance check or cash withdraw can be done through voice input. Normal mode procedure is same as the existing ATM.
IMPACT OF EMOTIONAL INTELLIGENCE ON HUMAN RESOURCE MANAGEMENT PRACTICES AMONG...IAEME Publication
There is increasing acceptability of emotional intelligence as a major factor in personality assessment and effective human resource management. Emotional intelligence as the ability to build capacity, empathize, co-operate, motivate and develop others cannot be divorced from both effective performance and human resource management systems. The human person is crucial in defining organizational leadership and fortunes in terms of challenges and opportunities and walking across both multinational and bilateral relationships. The growing complexity of the business world requires a great deal of self-confidence, integrity, communication, conflict and diversity management to keep the global enterprise within the paths of productivity and sustainability. Using the exploratory research design and 255 participants the result of this original study indicates strong positive correlation between emotional intelligence and effective human resource management. The paper offers suggestions on further studies between emotional intelligence and human capital development and recommends for conflict management as an integral part of effective human resource management.
VISUALISING AGING PARENTS & THEIR CLOSE CARERS LIFE JOURNEY IN AGING ECONOMYIAEME Publication
Our life journey, in general, is closely defined by the way we understand the meaning of why we coexist and deal with its challenges. As we develop the "inspiration economy", we could say that nearly all of the challenges we have faced are opportunities that help us to discover the rest of our journey. In this note paper, we explore how being faced with the opportunity of being a close carer for an aging parent with dementia brought intangible discoveries that changed our insight of the meaning of the rest of our life journey.
A STUDY ON THE IMPACT OF ORGANIZATIONAL CULTURE ON THE EFFECTIVENESS OF PERFO...IAEME Publication
The main objective of this study is to analyze the impact of aspects of Organizational Culture on the Effectiveness of the Performance Management System (PMS) in the Health Care Organization at Thanjavur. Organizational Culture and PMS play a crucial role in present-day organizations in achieving their objectives. PMS needs employees’ cooperation to achieve its intended objectives. Employees' cooperation depends upon the organization’s culture. The present study uses exploratory research to examine the relationship between the Organization's culture and the Effectiveness of the Performance Management System. The study uses a Structured Questionnaire to collect the primary data. For this study, Thirty-six non-clinical employees were selected from twelve randomly selected Health Care organizations at Thanjavur. Thirty-two fully completed questionnaires were received.
Living in 21st century in itself reminds all of us the necessity of police and its administration. As more and more we are entering into the modern society and culture, the more we require the services of the so called ‘Khaki Worthy’ men i.e., the police personnel. Whether we talk of Indian police or the other nation’s police, they all have the same recognition as they have in India. But as already mentioned, their services and requirements are different after the like 26th November, 2008 incidents, where they without saving their own lives has sacrificed themselves without any hitch and without caring about their respective family members and wards. In other words, they are like our heroes and mentors who can guide us from the darkness of fear, militancy, corruption and other dark sides of life and so on. Now the question arises, if Gandhi would have been alive today, what would have been his reaction/opinion to the police and its functioning? Would he have some thing different in his mind now what he had been in his mind before the partition or would he be going to start some Satyagraha in the form of some improvement in the functioning of the police administration? Really these questions or rather night mares can come to any one’s mind, when there is too much confusion is prevailing in our minds, when there is too much corruption in the society and when the polices working is also in the questioning because of one or the other case throughout the India. It is matter of great concern that we have to thing over our administration and our practical approach because the police personals are also like us, they are part and parcel of our society and among one of us, so why we all are pin pointing towards them.
A STUDY ON TALENT MANAGEMENT AND ITS IMPACT ON EMPLOYEE RETENTION IN SELECTED...IAEME Publication
The goal of this study was to see how talent management affected employee retention in the selected IT organizations in Chennai. The fundamental issue was the difficulty to attract, hire, and retain talented personnel who perform well and the gap between supply and demand of talent acquisition and retaining them within the firms. The study's main goals were to determine the impact of talent management on employee retention in IT companies in Chennai, investigate talent management strategies that IT companies could use to improve talent acquisition, performance management, career planning and formulate retention strategies that the IT firms could use. The respondents were given a structured close-ended questionnaire with the 5 Point Likert Scale as part of the study's quantitative research design. The target population consisted of 289 IT professionals. The questionnaires were distributed and collected by the researcher directly. The Statistical Package for Social Sciences (SPSS) was used to collect and analyse the questionnaire responses. Hypotheses that were formulated for the various areas of the study were tested using a variety of statistical tests. The key findings of the study suggested that talent management had an impact on employee retention. The studies also found that there is a clear link between the implementation of talent management and retention measures. Management should provide enough training and development for employees, clarify job responsibilities, provide adequate remuneration packages, and recognise employees for exceptional performance.
ATTRITION IN THE IT INDUSTRY DURING COVID-19 PANDEMIC: LINKING EMOTIONAL INTE...IAEME Publication
Globally, Millions of dollars were spent by the organizations for employing skilled Information Technology (IT) professionals. It is costly to replace unskilled employees with IT professionals possessing technical skills and competencies that aid in interconnecting the business processes. The organization’s employment tactics were forced to alter by globalization along with technological innovations as they consistently diminish to remain lean, outsource to concentrate on core competencies along with restructuring/reallocate personnel to gather efficiency. As other jobs, organizations or professions have become reasonably more appropriate in a shifting employment landscape, the above alterations trigger both involuntary as well as voluntary turnover. The employee view on jobs is also afflicted by the COVID-19 pandemic along with the employee-driven labour market. So, having effective strategies is necessary to tackle the withdrawal rate of employees. By associating Emotional Intelligence (EI) along with Talent Management (TM) in the IT industry, the rise in attrition rate was analyzed in this study. Only 303 respondents were collected out of 350 participants to whom questionnaires were distributed. From the employees of IT organizations located in Bangalore (India), the data were congregated. A simple random sampling methodology was employed to congregate data as of the respondents. Generating the hypothesis along with testing is eventuated. The effect of EI and TM along with regression analysis between TM and EI was analyzed. The outcomes indicated that employee and Organizational Performance (OP) were elevated by effective EI along with TM.
INFLUENCE OF TALENT MANAGEMENT PRACTICES ON ORGANIZATIONAL PERFORMANCE A STUD...IAEME Publication
By implementing talent management strategy, organizations would have the option to retain their skilled professionals while additionally working on their overall performance. It is the course of appropriately utilizing the ideal individuals, setting them up for future top positions, exploring and dealing with their performance, and holding them back from leaving the organization. It is employee performance that determines the success of every organization. The firm quickly obtains an upper hand over its rivals in the event that its employees having particular skills that cannot be duplicated by the competitors. Thus, firms are centred on creating successful talent management practices and processes to deal with the unique human resources. Firms are additionally endeavouring to keep their top/key staff since on the off chance that they leave; the whole store of information leaves the firm's hands. The study's objective was to determine the impact of talent management on organizational performance among the selected IT organizations in Chennai. The study recommends that talent management limitedly affects performance. On the off chance that this talent is appropriately management and implemented properly, organizations might benefit as much as possible from their maintained assets to support development and productivity, both monetarily and non-monetarily.
A STUDY OF VARIOUS TYPES OF LOANS OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS...IAEME Publication
Banking regulations act of India, 1949 defines banking as “acceptance of deposits for the purpose of lending or investment from the public, repayment on demand or otherwise and withdrawable through cheques, drafts order or otherwise”, the major participants of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institutions, specialized financial institution and the state level development banks, non banking financial companies (NBFC) and other market intermediaries such has the stock brokers and money lenders are among the oldest of the certain variants of NBFC and the oldest market participants. The asset quality of banks is one of the most important indicators of their financial health. The Indian banking sector has been facing severe problems of increasing Non- Performing Assets (NPAs). The NPAs growth directly and indirectly affects the quality of assets and profitability of banks. It also shows the efficiency of banks credit risk management and the recovery effectiveness. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets that why is a double edge weapon. This paper outlines the concept of quality of bank loans of different types like Housing, Agriculture and MSME loans in state Haryana of selected public and private sector banks. This study is highlighting problems associated with the role of commercial bank in financing Small and Medium Scale Enterprises (SME). The overall objective of the research was to assess the effect of the financing provisions existing for the setting up and operations of MSMEs in the country and to generate recommendations for more robust financing mechanisms for successful operation of the MSMEs, in turn understanding the impact of MSME loans on financial institutions due to NPA. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of selected public sector and private sector banks and attempts to compare the NPA of Housing, Agriculture and MSME loans in state Haryana of public and private sector banks. The tools used in the study are average and Anova test and variance. The findings reveal that NPA is common problem for both public and private sector banks and is associated with all types of loans either that is housing loans, agriculture loans and loans to SMES. NPAs of both public and private sector banks show the increasing trend. In 2010-11 GNPA of public and private sector were at same level it was 2% but after 2010-11 it increased in many fold and at present there is GNPA in some more than 15%. It shows the dark area of Indian banking sector.
EXPERIMENTAL STUDY OF MECHANICAL AND TRIBOLOGICAL RELATION OF NYLON/BaSO4 POL...IAEME Publication
An experiment conducted in this study found that BaSO4 changed Nylon 6's mechanical properties. By changing the weight ratios, BaSO4 was used to make Nylon 6. This Researcher looked into how hard Nylon-6/BaSO4 composites are and how well they wear. Experiments were done based on Taguchi design L9. Nylon-6/BaSO4 composites can be tested for their hardness number using a Rockwell hardness testing apparatus. On Nylon/BaSO4, the wear behavior was measured by a wear monitor, pinon-disc friction by varying reinforcement, sliding speed, and sliding distance, and the microstructure of the crack surfaces was observed by SEM. This study provides significant contributions to ultimate strength by increasing BaSO4 content up to 16% in the composites, and sliding speed contributes 72.45% to the wear rate
ROLE OF SOCIAL ENTREPRENEURSHIP IN RURAL DEVELOPMENT OF INDIA - PROBLEMS AND ...IAEME Publication
The majority of the population in India lives in villages. The village is the back bone of the country. Village or rural industries play an important role in the national economy, particularly in the rural development. Developing the rural economy is one of the key indicators towards a country’s success. Whether it be the need to look after the welfare of the farmers or invest in rural infrastructure, Governments have to ensure that rural development isn’t compromised. The economic development of our country largely depends on the progress of rural areas and the standard of living of rural masses. Village or rural industries play an important role in the national economy, particularly in the rural development. Rural entrepreneurship is based on stimulating local entrepreneurial talent and the subsequent growth of indigenous enterprises. It recognizes opportunity in the rural areas and accelerates a unique blend of resources either inside or outside of agriculture. Rural entrepreneurship brings an economic value to the rural sector by creating new methods of production, new markets, new products and generate employment opportunities thereby ensuring continuous rural development. Social Entrepreneurship has the direct and primary objective of serving the society along with the earning profits. So, social entrepreneurship is different from the economic entrepreneurship as its basic objective is not to earn profits but for providing innovative solutions to meet the society needs which are not taken care by majority of the entrepreneurs as they are in the business for profit making as a sole objective. So, the Social Entrepreneurs have the huge growth potential particularly in the developing countries like India where we have huge societal disparities in terms of the financial positions of the population. Still 22 percent of the Indian population is below the poverty line and also there is disparity among the rural & urban population in terms of families living under BPL. 25.7 percent of the rural population & 13.7 percent of the urban population is under BPL which clearly shows the disparity of the poor people in the rural and urban areas. The need to develop social entrepreneurship in agriculture is dictated by a large number of social problems. Such problems include low living standards, unemployment, and social tension. The reasons that led to the emergence of the practice of social entrepreneurship are the above factors. The research problem lays upon disclosing the importance of role of social entrepreneurship in rural development of India. The paper the tendencies of social entrepreneurship in India, to present successful examples of such business for providing recommendations how to improve situation in rural areas in terms of social entrepreneurship development. Indian government has made some steps towards development of social enterprises, social entrepreneurship, and social in- novation, but a lot remains to be improved.
OPTIMAL RECONFIGURATION OF POWER DISTRIBUTION RADIAL NETWORK USING HYBRID MET...IAEME Publication
Distribution system is a critical link between the electric power distributor and the consumers. Most of the distribution networks commonly used by the electric utility is the radial distribution network. However in this type of network, it has technical issues such as enormous power losses which affect the quality of the supply. Nowadays, the introduction of Distributed Generation (DG) units in the system help improve and support the voltage profile of the network as well as the performance of the system components through power loss mitigation. In this study network reconfiguration was done using two meta-heuristic algorithms Particle Swarm Optimization and Gravitational Search Algorithm (PSO-GSA) to enhance power quality and voltage profile in the system when simultaneously applied with the DG units. Backward/Forward Sweep Method was used in the load flow analysis and simulated using the MATLAB program. Five cases were considered in the Reconfiguration based on the contribution of DG units. The proposed method was tested using IEEE 33 bus system. Based on the results, there was a voltage profile improvement in the system from 0.9038 p.u. to 0.9594 p.u.. The integration of DG in the network also reduced power losses from 210.98 kW to 69.3963 kW. Simulated results are drawn to show the performance of each case.
APPLICATION OF FRUGAL APPROACH FOR PRODUCTIVITY IMPROVEMENT - A CASE STUDY OF...IAEME Publication
Manufacturing industries have witnessed an outburst in productivity. For productivity improvement manufacturing industries are taking various initiatives by using lean tools and techniques. However, in different manufacturing industries, frugal approach is applied in product design and services as a tool for improvement. Frugal approach contributed to prove less is more and seems indirectly contributing to improve productivity. Hence, there is need to understand status of frugal approach application in manufacturing industries. All manufacturing industries are trying hard and putting continuous efforts for competitive existence. For productivity improvements, manufacturing industries are coming up with different effective and efficient solutions in manufacturing processes and operations. To overcome current challenges, manufacturing industries have started using frugal approach in product design and services. For this study, methodology adopted with both primary and secondary sources of data. For primary source interview and observation technique is used and for secondary source review has done based on available literatures in website, printed magazines, manual etc. An attempt has made for understanding application of frugal approach with the study of manufacturing industry project. Manufacturing industry selected for this project study is Mahindra and Mahindra Ltd. This paper will help researcher to find the connections between the two concepts productivity improvement and frugal approach. This paper will help to understand significance of frugal approach for productivity improvement in manufacturing industry. This will also help to understand current scenario of frugal approach in manufacturing industry. In manufacturing industries various process are involved to deliver the final product. In the process of converting input in to output through manufacturing process productivity plays very critical role. Hence this study will help to evolve status of frugal approach in productivity improvement programme. The notion of frugal can be viewed as an approach towards productivity improvement in manufacturing industries.
A MULTIPLE – CHANNEL QUEUING MODELS ON FUZZY ENVIRONMENTIAEME Publication
In this paper, we investigated a queuing model of fuzzy environment-based a multiple channel queuing model (M/M/C) ( /FCFS) and study its performance under realistic conditions. It applies a nonagonal fuzzy number to analyse the relevant performance of a multiple channel queuing model (M/M/C) ( /FCFS). Based on the sub interval average ranking method for nonagonal fuzzy number, we convert fuzzy number to crisp one. Numerical results reveal that the efficiency of this method. Intuitively, the fuzzy environment adapts well to a multiple channel queuing models (M/M/C) ( /FCFS) are very well.
Build the Next Generation of Apps with the Einstein 1 Platform.
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Gas agency management system project report.pdfKamal Acharya
The project entitled "Gas Agency" is done to make the manual process easier by making it a computerized system for billing and maintaining stock. The Gas Agencies get the order request through phone calls or by personal from their customers and deliver the gas cylinders to their address based on their demand and previous delivery date. This process is made computerized and the customer's name, address and stock details are stored in a database. Based on this the billing for a customer is made simple and easier, since a customer order for gas can be accepted only after completing a certain period from the previous delivery. This can be calculated and billed easily through this. There are two types of delivery like domestic purpose use delivery and commercial purpose use delivery. The bill rate and capacity differs for both. This can be easily maintained and charged accordingly.
Redefining brain tumor segmentation: a cutting-edge convolutional neural netw...IJECEIAES
Medical image analysis has witnessed significant advancements with deep learning techniques. In the domain of brain tumor segmentation, the ability to
precisely delineate tumor boundaries from magnetic resonance imaging (MRI)
scans holds profound implications for diagnosis. This study presents an ensemble convolutional neural network (CNN) with transfer learning, integrating
the state-of-the-art Deeplabv3+ architecture with the ResNet18 backbone. The
model is rigorously trained and evaluated, exhibiting remarkable performance
metrics, including an impressive global accuracy of 99.286%, a high-class accuracy of 82.191%, a mean intersection over union (IoU) of 79.900%, a weighted
IoU of 98.620%, and a Boundary F1 (BF) score of 83.303%. Notably, a detailed comparative analysis with existing methods showcases the superiority of
our proposed model. These findings underscore the model’s competence in precise brain tumor localization, underscoring its potential to revolutionize medical
image analysis and enhance healthcare outcomes. This research paves the way
for future exploration and optimization of advanced CNN models in medical
imaging, emphasizing addressing false positives and resource efficiency.
Comparative analysis between traditional aquaponics and reconstructed aquapon...bijceesjournal
The aquaponic system of planting is a method that does not require soil usage. It is a method that only needs water, fish, lava rocks (a substitute for soil), and plants. Aquaponic systems are sustainable and environmentally friendly. Its use not only helps to plant in small spaces but also helps reduce artificial chemical use and minimizes excess water use, as aquaponics consumes 90% less water than soil-based gardening. The study applied a descriptive and experimental design to assess and compare conventional and reconstructed aquaponic methods for reproducing tomatoes. The researchers created an observation checklist to determine the significant factors of the study. The study aims to determine the significant difference between traditional aquaponics and reconstructed aquaponics systems propagating tomatoes in terms of height, weight, girth, and number of fruits. The reconstructed aquaponics system’s higher growth yield results in a much more nourished crop than the traditional aquaponics system. It is superior in its number of fruits, height, weight, and girth measurement. Moreover, the reconstructed aquaponics system is proven to eliminate all the hindrances present in the traditional aquaponics system, which are overcrowding of fish, algae growth, pest problems, contaminated water, and dead fish.
DEEP LEARNING FOR SMART GRID INTRUSION DETECTION: A HYBRID CNN-LSTM-BASED MODELijaia
As digital technology becomes more deeply embedded in power systems, protecting the communication
networks of Smart Grids (SG) has emerged as a critical concern. Distributed Network Protocol 3 (DNP3)
represents a multi-tiered application layer protocol extensively utilized in Supervisory Control and Data
Acquisition (SCADA)-based smart grids to facilitate real-time data gathering and control functionalities.
Robust Intrusion Detection Systems (IDS) are necessary for early threat detection and mitigation because
of the interconnection of these networks, which makes them vulnerable to a variety of cyberattacks. To
solve this issue, this paper develops a hybrid Deep Learning (DL) model specifically designed for intrusion
detection in smart grids. The proposed approach is a combination of the Convolutional Neural Network
(CNN) and the Long-Short-Term Memory algorithms (LSTM). We employed a recent intrusion detection
dataset (DNP3), which focuses on unauthorized commands and Denial of Service (DoS) cyberattacks, to
train and test our model. The results of our experiments show that our CNN-LSTM method is much better
at finding smart grid intrusions than other deep learning algorithms used for classification. In addition,
our proposed approach improves accuracy, precision, recall, and F1 score, achieving a high detection
accuracy rate of 99.50%.
Design and optimization of ion propulsion dronebjmsejournal
Electric propulsion technology is widely used in many kinds of vehicles in recent years, and aircrafts are no exception. Technically, UAVs are electrically propelled but tend to produce a significant amount of noise and vibrations. Ion propulsion technology for drones is a potential solution to this problem. Ion propulsion technology is proven to be feasible in the earth’s atmosphere. The study presented in this article shows the design of EHD thrusters and power supply for ion propulsion drones along with performance optimization of high-voltage power supply for endurance in earth’s atmosphere.
Discover the latest insights on Data Driven Maintenance with our comprehensive webinar presentation. Learn about traditional maintenance challenges, the right approach to utilizing data, and the benefits of adopting a Data Driven Maintenance strategy. Explore real-world examples, industry best practices, and innovative solutions like FMECA and the D3M model. This presentation, led by expert Jules Oudmans, is essential for asset owners looking to optimize their maintenance processes and leverage digital technologies for improved efficiency and performance. Download now to stay ahead in the evolving maintenance landscape.
Null Bangalore | Pentesters Approach to AWS IAMDivyanshu
#Abstract:
- Learn more about the real-world methods for auditing AWS IAM (Identity and Access Management) as a pentester. So let us proceed with a brief discussion of IAM as well as some typical misconfigurations and their potential exploits in order to reinforce the understanding of IAM security best practices.
- Gain actionable insights into AWS IAM policies and roles, using hands on approach.
#Prerequisites:
- Basic understanding of AWS services and architecture
- Familiarity with cloud security concepts
- Experience using the AWS Management Console or AWS CLI.
- For hands on lab create account on [killercoda.com](https://killercoda.com/cloudsecurity-scenario/)
# Scenario Covered:
- Basics of IAM in AWS
- Implementing IAM Policies with Least Privilege to Manage S3 Bucket
- Objective: Create an S3 bucket with least privilege IAM policy and validate access.
- Steps:
- Create S3 bucket.
- Attach least privilege policy to IAM user.
- Validate access.
- Exploiting IAM PassRole Misconfiguration
-Allows a user to pass a specific IAM role to an AWS service (ec2), typically used for service access delegation. Then exploit PassRole Misconfiguration granting unauthorized access to sensitive resources.
- Objective: Demonstrate how a PassRole misconfiguration can grant unauthorized access.
- Steps:
- Allow user to pass IAM role to EC2.
- Exploit misconfiguration for unauthorized access.
- Access sensitive resources.
- Exploiting IAM AssumeRole Misconfiguration with Overly Permissive Role
- An overly permissive IAM role configuration can lead to privilege escalation by creating a role with administrative privileges and allow a user to assume this role.
- Objective: Show how overly permissive IAM roles can lead to privilege escalation.
- Steps:
- Create role with administrative privileges.
- Allow user to assume the role.
- Perform administrative actions.
- Differentiation between PassRole vs AssumeRole
Try at [killercoda.com](https://killercoda.com/cloudsecurity-scenario/)
2. Relationship between Different Factor and Their Financial Goal For Opting Unit Linked
Insurance Plans
http://www.iaeme.com/IJM/index.asp 117 editor@iaeme.com
1. INTRODUCTION
The insurance sector aids to recover the losses of financial sector. Life Insurance is
one of the fastest growing sector in India since 2000 which is due to permission of
Government to Private players and FDI up to 49% participation in this sector. Life
Insurance in India was nationalised by incorporating Life Insurance Corporation
(LIC) in 1956. LIC was a master player transacting the life insurance business in
India. In 1993 the Government of India appointed RN Malhotra Committee to
structure for privatization of the life insurance sector.1
Unit Linked Insurance Plan (ULIP) is a life insurance plan which provides for the
benefit of risk cover as well as flexibility in investment. The investment in ULIPs is
denoted as unit and is represented by the value called Net Asset Value (NAV). In a
ULIP, the amount of premium to be invested after deducting for all charges and
premium for risk cover are pooled together to form a fund. The value of fund at any
time is equal to the amount of units multiplied by value of unit at that time.2
With the entry of foreign insurance companies the international practices and
systems were also introduced in India. Development in technology also improves
quality of customer services. The impact of overall developments in insurance sector
since 1991 has been proved very encouraging. It was also apparent from the incidence
of Southeast Asian crises when India remained untouchable to these crises.
The existence of well-developed financial system decides economic development
of any country. The necessary financial inputs for production of goods and services
that in turn promote the well being and standard of living of the people of a country is
provides by financial system of the country. The major assets traded on the financial
system are money and monetary assets. The responsibility of the financial system is to
mobilize savings in the form of money and monetary assets and invest them in
productive ventures. A successful investor is not the one who makes huge profits but
one who studies the market, understands his risk taking ability, sets the clear cut
investment objectives, determines the expected rate of return and also decides the
time and period of investment.
In light of the above information present study was carried out to investigate the
impact of various factors such as Age, Marital status, Type of family, Educational
Qualification and Nature of employment of investors on their financial goal for opting
Unit Linked Insurance Plans.
2. REVIEW OF LITERATURE
The literature review was carried out to investigate the past research work related to
subject. In addition to this the methodologies adopted and inferences of the research
work were also studied. The research gaps were identified and study objectives were
set on the basis of review of literature.
Gupta (1991)3
reported that the portfolio manager needs to understand the psyche
of his client while designing his portfolio. He also argued that investors in India
regard equity, debentures and company deposits as being in more or less the same risk
category and consider including all mutual funds, including all equity funds, almost as
safe as bank deposits.
Das et al., (2008)4
examined Behavior of Retail Investors in Mutual Fund vs. Life
Insurance. 100 interviews were made from two metros of Orissa Viz.; Cuttack and
Bhubaneswar. This research fins that, although the investment patterns provide more
or less the same services, there exist differences depending on the education level of
3. Pawan Nagorao Bahekar and Dr. Prafulla W Sudame
http://www.iaeme.com/IJM/index.asp 118 editor@iaeme.com
investors. It was also found that male investors are more compared to female
investors. Maximum investors like to invest in life insurance among which LIC is no.
1 followed by mutual fund and government saving schemes. It also reveals that
Government servant invest more in life insurance.
Ahmad, (2008)5
evaluated service quality in Malaysia Insurance Industry to
evaluate customer’s general expectation and perception of insures in terms of service
offered at the insurance service counter. This paper also examines the relationship
between the demographic factors and SERVQUAL mean score. The result shows
huge gap for reliability, responsiveness and empathy in which reliability shows
highest gap between customer’s perception and expectation. Thus, results of this
study underscore the need for insurance provider to gear customer service and quality
improvement efforts towards component of reliability.
Akula and Kanchu (2011)6
conducted a study on growth of ULIP Policies in life
insurance sector of India by comparing traditional (Life Fund + Pension & General
Annuity + Group Fund) and ULIP Policies. The objective of the study was to observe
the evolution of ULIPs in India, the growth of ULIPs over traditional Policies, risk
factors involved in ULIPs over traditional policies and to suggest various measures to
develop and stabilize the growth of ULIPs. The period from 2007 to 2009 was
covered in the study. The study considered 5 companies to compare growth, namely,
LICI, HDFC Standard Life, ICICI Prudential Life, SBI Life and Bazaz Allianz Life. It
was revealed from the study that there was remarkable growth in ULIP compared to
traditional policies as the new private entrants targeted ULIPs for market penetration.
Serenmadevi et al., (2011)7
studied the insurance product pattern and consumer
preference for ULIP Life Insurance Product with reference to Delhi City to find out
how much the consumer in Delhi city prefer for ULIP Life Insurance. The collected
data were analyzed by using simple percentage analysis, weighted average method,
ranking method, Analysis of variance, chi-square, F-test and correlation and it is
found that most of the customer are satisfied with ULIP and enjoys an excellent
perception of brand value.
Prakash et al., (2011)8
the research describe Indians attitude towards service
quality for life insurance business presented through different demographical factors.
This research reveals that, type of customer personality, age, gender, levels of
education, and monthly income influence the attitude towards the service quality and
also provides the research implications useful for business transformation and further
development of research on service quality.
According to Mojekwu, (2011)9
, most life insurance policyholders complain of
adverse effect of inflation on the policy values at the time of payment on the
happening of the contingencies. This has resulted in a high rate of lapse, surrender and
conversion to paid-up status. Based on the findings, the study recommends that life
insurance companies should enlighten the public more on the benefits of life
insurance and evolve some incentives to avoid the negative impact of these modes of
decrement on life assurance portfolios.
Sumathy and Kumar (2011)10
explored customers’ awareness level of ULIP
schemes. Descriptive research includes surveys and fact find enquiries of different
kinds of peoples. The main purpose of this descriptive study is the description of the
state affairs that exist at present. The main characteristic of this method is that the
research has no control over the variables. The non probability purposive sampling
from the consumers of ULIP policies was used to collect. An exhaustive survey was
conducted and the primary data was collected. On those data the following tests were
4. Relationship between Different Factor and Their Financial Goal For Opting Unit Linked
Insurance Plans
http://www.iaeme.com/IJM/index.asp 119 editor@iaeme.com
made using the SPSS package. The simple percentage analysis, Chi-square and factor
analysis were done. The outcomes came to be the age groups having significant
association with tax benefits availed using ULIP. The qualification which has
significant association with compulsory investments and gaining investment
knowledge, as the respondents mostly belong to graduates segment, these people
expect these variables as a mandatory requirement for making ULIP choice and the
same variables got prominence through factor loading in factor analysis.
According to Rao and Rani (2013)11
the state of customer’s satisfaction depends
on a number of both psychological and physical variables which correlate with
satisfaction behaviors such as return and recommend rate. The level of satisfaction
can also vary depending on other factors the customer, such as other products against
which the customer can compare the organization's products. The research article
analyses the customer perception towards ING Life Insurance Unit Linked Plans in
Tiruvannamalai region and the usual measures of customer satisfaction involve a
survey with a set of statements using a Likert scale. The customer is asked to evaluate
each statement in terms of their perception and expectation of performance of the
United Linked Insurance Plans.
The foundation of life insurance is the recognition of the value of a human life and
the possibility of indemnification for the loss of that value. Mutual fund industry has
gained importance after liberalization policy of the Government, but the function of
Unit Trust of India (UTI) marked the evolution of the Indian mutual fund industry in
the year 1963. With the privatisation of the insurance sector, many companies
emerged with unit linked insurance plans (ULIP), but long before this UTI has come
into play with ULIP-1971 with an objective of returns through growth. ULIPs are
such schemes that provide a combination of benefits of life insurance and diversified
investment. With high competition existing among these companies and advancement
of information technology, customers are able to know information from all corners
and also have many choices to invest at their behest. Organisations have to move to
provide innovative services to attract the customers Rao and Gopi (2013)12
collected
data through questionnaire and also personal interview of the customers to know how
do they perceive UTI-ULIP. Chi-square has been applied to find the product
validation as a better option for investment there being many avenues for investment.
Concepts are described. Suggestions are made at the end for improving the perception
level of the customers, and changes that may be made to make unit linked insurance
plan a better alternative.
The study carried out by Gaikwad and Vibhute (2013)13
facilitate the insurance
companies to know the opinions of customers regarding insurance industry and
specifically opinions towards traditional and ULIP plans. Along with this, the
company and advisors would understand the exact demand of samples, the parameters
of customer satisfaction, factors customers consider while selecting the policy and
opinions on advisors advocacy by which company and advisors can design their sales
program, sales speech, local strategies and the like. A study was conducted among
policy holders in Kolhapur city, India. The researcher concluded that the LIC is the
major player amongst sample customers. Traditional plans are preferred more by
samples followed by ULIP and customer's preferences for selecting the insurance
company are inclined towards service quality, reputation, trustworthiness and future
plans/vision of a company.
5. Pawan Nagorao Bahekar and Dr. Prafulla W Sudame
http://www.iaeme.com/IJM/index.asp 120 editor@iaeme.com
3. METHODOLOGY
Descriptive research was used in the present study. The purposive sampling method
adopted for selecting the respondents. In that, the sample is chosen so that a particular
research purpose is served and is adequate for it. Total 550 respondents were selected
for collection of data related to study.
Primary & Secondary data was collected from various sources. Primary data was
collected by canvassing questionnaire to the selected ULIP plan holders in Vidarbha
region. The Secondary data was collected from Reports and other authentic materials
available at different offices, articles published in Newspapers, Magazines etc. In the
present study, Fixed Response (Qualitative) Rating scale/Continuum was used.
A pilot study was conducted to estimate the reliability and validity of the research
instrument. This exercise was carried out to validate and improve the research
instrument in terms of its format and layout, the wording of statements and also the
overall content of items.
Analysis of data was done with the help of suitable statistical tests. The Pearson’s
product moment correlation coefficient was used as inferential statistics test. The data
collected will be analyzed and interpreted using statistical package for social sciences
(SPSS).Statistical tools used namely, Simple percentage analysis, Chi-square test and
Factor analysis. The significance level was chosen to be 0.05 (or equivalently, 5%)
by keeping in view the consequences of such an error and to make the significance
level as small as possible in order to protect the null hypothesis and to prevent, as for
as possible, from inadvertently arriving at false conclusion.
Data Analysis and Interpretation
Table 1a Correlation between marital status of policy holder and their primary financial goal
for opting ULIP plan
Marital Status
Primary financial goal for opting ULIP plans
TotalWealth
enhancement
Education
funding
Marriage of
children
Safety Others
Married
Count 114 111 93 54 8 380
% 20.7 20.2 16.9 9.8 1.5 69.1
Unmarried
Count 51 27 21 57 10 166
% 9.3 4.9 3.8 10.4 1.8 30.2
Others
Count - - - 4 - 4
% - - - 0.7 - 0.7
Total
Count 165 138 114 115 18 550
% 30.0 25.1 20.7 20.9 3.3 100.0
Table 1b
Chi-Square Test
Value df Asymp. Sig. (2-sided)
Pearson Chi-Square 22.669a
8 0.012
Likelihood Ratio 21.767 8 0.016
Linear-by-Linear Association 5.959 1 0.015
N of Valid Cases 183
a. 12 cells (50.0%) have expected count less than 5. The minimum expected
count is .04.
6. Relationship between Different Factor and Their Financial Goal For Opting Unit Linked
Insurance Plans
http://www.iaeme.com/IJM/index.asp 121 editor@iaeme.com
From the chi-square statistic (Table 1b), it was clear that there is a significant
relationship between marital status of policy holder and their primary financial goal
for opting ULIP plan (Chi-square= 22-669, df = 8, Asymp. Sig. = <0.05). Pearson chi-
square value of less than 0.05 for “Asymp Sig." indicates that the rows and columns
of the contingency have significant relationship. In general, this means that the marital
status of policy holders (married, unmarried and other) and their primary financial
goal for opting ULIP plan is significantly related.
Table 2a Correlation between age group of policy holder and their primary financial goal for
opting ULIP plans
Age
Primary financial goal for opting ULIP plans
TotalWealth
enhancement
Education
funding
Marriage of
children
Safety Others
30 Yrs.
Count 48 27 21 57 12 165
% 8.7 4.9 3.8 10.4 2.2 30.0
30-40 Yrs
Count 84 63 42 39 6 234
% 15.3 11.5 7.6 7.1 1.1 42.5
41-50 Yrs.
Count 27 40 43 19 0 129
% 4.9 7.3 7.8 3.5 0.0 23.5
51-60 Yrs.
Count 6 8 8 0 0 22
% 1.1 1.5 1.5 0.0 0.0 4.0
Total
Count 165 138 114 115 18 550
% 30.0 25.1 20.7 20.9 3.3 100.0
Table 2b Chi-Square Tests
Value df Asymp. Sig. (2-sided)
Pearson Chi-Square 29.217a
12 .015
Likelihood Ratio 30.414 12 .011
Linear-by-Linear Association 3.167 1 .075
N of Valid Cases 184
a. 12 cells (50.0%) have expected count less than 5. The minimum expected count is
.04.
From the chi-square statistic (Table 2b), it was clear that there is a significant
relationship between age group of policy holder and policy holder and their primary
financial goal for opting ULIP plans (Chi-square= 29.217, df = 12, Asymp. Sig. =
<0.05). Pearson chi-square value of less than 0.05 for “Asymp Sig." indicates that the
rows and columns of the contingency have significant relationship. In general, this
means that the age group of policy holders and policy holder and their primary
financial goal for opting ULIP plans are significantly related.
7. Pawan Nagorao Bahekar and Dr. Prafulla W Sudame
http://www.iaeme.com/IJM/index.asp 122 editor@iaeme.com
Table 3a Correlation between educational qualification of policy holder and their primary
financial goal for opting ULIP plan
Educational
Qualification
Primary financial goal for opting ULIP plans
TotalWealth
enhancement
Education
funding
Marriage
of children
Safety Others
HSSC
Count 24 18 30 10 6 88
% 4.4 3.3 5.5 1.8 1.1 16.0
Graduate
Count 50 51 48 50 9 208
% 9.1 9.3 8.7 9.1 1.6 37.8
Post
Graduate
Count 79 48 15 34 0 176
% 14.4 8.7 2.7 6.2 0.0 32.0
Professional
Others
Count 12 21 21 21 3 78
% 2.2 3.8 3.8 3.8 0.5 14.2
Total
Count 165 138 114 115 18 550
% 30.0 25.1 20.7 20.9 3.3 100.0
Table 3b Chi-Square Tests
Value df Asymp. Sig. (2-sided)
Pearson Chi-Square 28.256a 12 .020
Likelihood Ratio 28.264 12 .020
Linear-by-Linear Association .281 1 .596
N of Valid Cases 185
a. 8 cells (33.3%) have expected count less than 5. The minimum expected count is .15.
From the chi-square statistic (Table 3b), it was clear that there is a significant
relationship between educational qualification of policy holder and their primary
financial goal for opting ULIP plan (Chi-square= 28.256, df = 12, Asymp. Sig. =
<0.05). Pearson chi-square value of less than 0.05 for “Asymp Sig." indicates
that the rows and columns of the contingency have significant relationship. In
general, this means that the educational qualification of policy holder and their
primary financial goal for opting ULIP plan are significantly related.
Table 4a Correlation between nature of employment of policy holder and their primary
financial goal for opting ULIP plan
Nature of
employment
Primary financial goal for opting ULIP plans
TotalWealth
enhancement
Education
funding
Marriage of
children
Safety Others
Govt.
Servant
Count 48 51 53 35 - 187
% 8.7 9.3 9.6 6.4 - 34.0
Private
Count 117 78 61 80 9 345
% 21.3 14.2 11.1 14.5 1.6 62.7
Self-
employed
Count - 6 - - 9 15
% - 1.1 - - 1.6 2.2
Others
Count - 3 - - - 3
% - 0.5 - - - 0.5
Total
Count 165 138 114 115 15 550
% 33.3 27.8 16.5 20.2 2.2 100
8. Relationship between Different Factor and Their Financial Goal For Opting Unit Linked
Insurance Plans
http://www.iaeme.com/IJM/index.asp 123 editor@iaeme.com
Table 4b Chi-Square Tests
Value df Asymp. Sig. (2-sided)
Pearson Chi-Square 24.388a
12 .018
Likelihood Ratio 17.360 12 .137
Linear-by-Linear Association .053 1 .819
N of Valid Cases 184
a. 12 cells (60.0%) have expected count less than 5. The minimum expected count is
.02.
From the chi-square statistic (Table 4b), it was clear that there is a significant
relationship between nature of employment of policy holder and their primary
financial goal for opting ULIP plans (Chi-square= 24.388, df = 12, Asymp. Sig. =
<0.05). Pearson chi-square value of less than 0.05 for “Asymp Sig." indicates
that the rows and columns of the contingency have significant relationship. In
general, this means that the nature of employment of policy holder and their
primary financial goal for opting ULIP plan are significantly related.
Table 5a Correlation between type of family of policy holder and their primary financial goal
for opting ULIP plan
Type of family
Primary financial goal for opting ULIP plans
TotalWealth
enhancement
Education
funding
Marriage
of children
Safety Others
Joint
Count 132 81 69 79 16 377
% 24.0 14.7 12.5 14.4 2.9 68.5
Nuclear
Count 33 57 45 36 2 173
% 6.0 10.4 8.2 6.5 0.4 31.5
Total
Count 165 138 114 115 18 550
% 30.0 25.1 20.7 20.9 3.3 100.0
Table5b Chi-Square Tests
Value df Asymp. Sig. (2-sided)
Pearson Chi-Square 15.769a
5 .008
Likelihood Ratio 15.508 5 .008
Linear-by-Linear Association 3.198 1 .074
N of Valid Cases 189
a. 6 cells (50.0%) have expected count less than 5. The minimum expected count is
.21.
From the chi-square statistic (Table 5b), it was clear that there is a significant
relationship between type of family of policy holder and their primary financial goal
for opting ULIP plan (Chi-square= 15.769, df = 5, Asymp. Sig. = <0.05). Pearson chi-
square value of less than 0.05 for “Asymp Sig." indicates that the rows and columns
of the contingency have significant relationship. In general, this means that type of
family of policy holder and their primary financial goal for opting ULIP plan are
significantly related.
9. Pawan Nagorao Bahekar and Dr. Prafulla W Sudame
http://www.iaeme.com/IJM/index.asp 124 editor@iaeme.com
4. CONCLUSION
Many people invest money in the ULIPs for different reasons, such as for
accumulating a substantial corpus for their future anticipated and unanticipated
demands. However, not all the customers can hold their investments intact all the time
and hence, there is flexibility in the ULIPs in the form of premature surrendering of
the policy, switching options, etc. It was apparent from the study results that there is
significant relation between Marital Status, Age, Educational Qualification, Nature of
employment and family type with Primary financial goal for opting ULIP plans.
5. IMPLICATIONS
The role of advisors, fund managers in the performance of the ULIPs should be
studied with respect to private and government companies.
The tendency of investors to switch between different options should be studied in
detail
The influence of the Company’s brand image on the performance of the ULIPs
should be evaluated
Future studies involving the premium paying options and growth of ULIPs should be
carried out.
The future studies should be carried out with respect to yields related claims and
actual claims for different ULIPs.
Similar studies should be carried out for specific type of ULIPs
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