Service Quality of Indian Insurance Sectors
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People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value.
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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
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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
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The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
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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.Apple- Health Fruit
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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.Non performing-assets-management-of-kerala-financial-corporation-kfc
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This study will help analyze the Recitation of the two types of insurance companies
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quality products at a competitive price. Companies can lower the price of the product by
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A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
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Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
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Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
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Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
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Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
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Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
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policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
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Recitation of Public and Private Sector General Insurance Industry in Structu...Vivekanandha College of arts and Science for Women (Autonomous)
This study will help analyze the Recitation of the two types of insurance companies
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quality products at a competitive price. Companies can lower the price of the product by
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The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursedEmpirical study on policyholder’s opinion towards reason of taking non-Life I...
Empirical study on policyholder’s opinion towards reason of taking non-Life I...Vivekanandha College of arts and Science for Women (Autonomous)
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.Apple- Health Fruit
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The industrialization and information age has made the telecommunication industry expanded into diversified
functionality to support the growth of technological advancement for better services demanded by any
particular nation. In India, telecommunication industry is now considered to be prominent due to its contribution as a tool of
technological support for the national development in line with the national aspirations. These progresses are not a dream
that encapsulates with unreal events and nightmares, but they are the vision that will bring the nation to stand on his or her
feet as tall as the other nations around the world. There is no doubt that telecommunication sector will be expanded farther
and further after the government of Indian has agreed to focus more attention on the Industry. In conclusion, Indian has not
make a mistake when they invest more money in the telecommunication industry that will definitely uplift the nation into a
new culture of civilization in the world and such measures are contributing to another culture of excellent.Impact of Personal loan offered by Banks and Non-Banking Financial Companies ...
Impact of Personal loan offered by Banks and Non-Banking Financial Companies ...Vivekanandha College of arts and Science for Women (Autonomous)
It is a unsecured loan as no securities are taken while availing the loan. Other form of loan like home loan, loan against shares/
securities demands collateral security while availing it. The personal loan is completely free from all the conditions and can
be availed with ease. Even though a few financial institutions may ask for a guarantor based on their comfort level of the
applicant's profile, it is a hassle free form loan.An Empirical Study on Customer Relationship Management in Banking Sector in S...
An Empirical Study on Customer Relationship Management in Banking Sector in S...Vivekanandha College of arts and Science for Women (Autonomous)
Driven by challenges arising from rising customer expectations and shrinking margins, banks have been using technology to reduce cost. Technology intensive delivery channels like Internet Banking, Tele Banking, Mobile banking and Automated Teller Machines (ATMs) etc have created multiple conveniences to users of banks. The banking business is becoming more and more complex with the change; emanating from liberalization and globalization. For a new bank, customer creation is important, but for an established bank it is retention that is much more important.A Study on Consumer Satisfaction of Aavin Milk in Salem City
A Study on Consumer Satisfaction of Aavin Milk in Salem CityVivekanandha College of arts and Science for Women (Autonomous)
People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value. Customer relationship management in banking sector
Customer relationship management in banking sectorVivekanandha College of arts and Science for Women (Autonomous)
Driven by challenges on competition, rising customer expectation and shrinking
margins, banks have been using technology to reduce cost. Apart from competitive
environment, there has been deregulation as to rate of interest, technology intensive
delivery channel like Internet Banking, Tele Banking, Mobile banking and Automated
Teller Machines (ATMs) etc have created a multiple choice to user of the bank. The
banking business is becoming more and more complex with the changes emanating from
the liberalization and globalization. For a new bank, customer creation is important, but
an established bank it is the retention is much more efficient and cost effective
mechanism.AN EMPIRICAL NOTE ON GENERAL INSURANCE PRODUCTS
AN EMPIRICAL NOTE ON GENERAL INSURANCE PRODUCTSVivekanandha College of arts and Science for Women (Autonomous)
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.Non performing-assets-management-of-kerala-financial-corporation-kfc
Non performing-assets-management-of-kerala-financial-corporation-kfcVivekanandha College of arts and Science for Women (Autonomous)
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...Vivekanandha College of arts and Science for Women (Autonomous)
The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursedRecitation of Public and Private Sector General Insurance Industry in Structu...
Recitation of Public and Private Sector General Insurance Industry in Structu...Vivekanandha College of arts and Science for Women (Autonomous)
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.More from Vivekanandha College of arts and Science for Women (Autonomous) (17)
Factors influencing the selection of General Insurance Companies products
Factors influencing the selection of General Insurance Companies products
Recitation of Public and Private Sector General Insurance Industry in Structu...
Recitation of Public and Private Sector General Insurance Industry in Structu...
Non Performing Assets Management of Kerala Financial Corporation (KFC)
Non Performing Assets Management of Kerala Financial Corporation (KFC)
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
Empirical study on policyholder’s opinion towards reason of taking non-Life I...
Empirical study on policyholder’s opinion towards reason of taking non-Life I...
Impact of Personal loan offered by Banks and Non-Banking Financial Companies ...
Impact of Personal loan offered by Banks and Non-Banking Financial Companies ...
An Empirical Study on Customer Relationship Management in Banking Sector in S...
An Empirical Study on Customer Relationship Management in Banking Sector in S...
A Study on Consumer Satisfaction of Aavin Milk in Salem City
A Study on Consumer Satisfaction of Aavin Milk in Salem City
Customer relationship management in banking sector
Customer relationship management in banking sector
Non performing-assets-management-of-kerala-financial-corporation-kfc
Non performing-assets-management-of-kerala-financial-corporation-kfc
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in K...
Recitation of Public and Private Sector General Insurance Industry in Structu...
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