AWARENESS OF FINANCIAL PRODUCTS AMONG RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT, ANDHRA PRADESH
|
|
- Joy Merritt
- 6 years ago
- Views:
Transcription
1 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN AWARENESS OF FINANCIAL PRODUCTS AMONG RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT, ANDHRA PRADESH Dr. T.V.V. Phani Kumar Associate Professor, Department of Finance, GITAM Institute of Management, GITAM University, Rushikonda, Visakhapatnam ABSTRACT The emerging economies like India where more than 0% of the population lives in the rural areas, should ensure adequate access to the financial products and services to all the individuals in the country.the growth of financial system depends on the penetration of the financial products into the rural markets in the country.lack of awareness about the different financial products among the rural households not only affects the growth of financial system in the country but also the overall quality of life of rural households. The present study focuses on the awareness of various financial products among the rural households in the Srikakulam district of Andhra Pradesh. Key Words :Rural Households, Awareness of Financial Products, Financial Literacy, Awareness of Capital Market Instruments. INTRODUCTION The emerging economies like India where more than 0% of the population lives in the rural areas, should ensure adequate access to the financial products and services to all the individuals in the country. According to the annual MasterCard s index for financial literacy 03, India is in 5th place among countries in Asia Pacific region in terms of overall financial literacy. The report states that for Indians, the lack of ability to keep up with bills, set money aside for big item purchases and to pay off credit cards fully could be due to a lack of surplus cash, resulting from the fact that income levels are not high enough to cover expenses. The condition is still worse in rural India where the levels of financial literacy are very low. The Reserve Bank of India in March 005 initiated financial inclusion as a major policy objective to extend banking services to the entire population without any discrimination. The Financial Stability and Development Council (FSDC), Page 85
2 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN headed by the Finance Minister, is mandated to focus on financial inclusion and financial literacy. All financial sector regulators, RBI, SEBI and IRDA are committed to the mission to create a financially aware and empowered India. The growth of financial system depends on the penetration of the financial products into the rural markets in the country. The wider participation of rural households in financial markets will lead to increased financial deepening in Indian Economy. Lack of awareness about the different financial products among the rural households not only affects the growth of financial system in the country but also the overall quality of life of rural households. The present study focuses on the awareness of various financial products among the rural households in the Srikakulam district of Andhra Pradesh. The results of the study will help the government,the policy makers to further strengthen the financial system in rural India and improve the financial literacy among the rural households.. REVIEW OF LITERATURE AnnamariaLusbrdi(005) analyzed the effects of financial education on saving and investment behaviour of African-Americans and Hispanics Households. The study revealed that seminars have some effect on savings, particularly for those at the bottom of the wealth distribution, and those with low education. C Thilakam (0) opined that the knowledge of rural households is limited to the traditionally known savings and investment avenues like bank saving, holding insurance policy, investment in gold or in land/building. The sample population s knowledge on the modern and market sophisticated investment avenues is very much limited. FurqanQamar (003) 3 analyzed the savings behaviour and investment preferences among average urban middle class of Delhi. The following are the relevant findings of the study : a. Despite financial sector reforms and entry of private, domestic and foreign banks into the country, the nationalized commercial banks seem to be the favorite choice of an average household. b. Capital market imperfections and associated risk have not been a deterrent for many households as they were found investing in debentures and shares either directly or indirectly. c. The saving behaviour and investment preferences of average urban household seem to be significantly influenced by the level of educational attainments and income of the respondents. Amu Manasseh Edison Komla (0) 4 concluded that demo-graphic factors influence the rural household savings of rural households. The study found that the age of the head of the household, the size of family has a major bearing on the saving and investment behaviour of rural households in the study area. Family size and knowledge in saving and in-vestment by household heads had no significant relationship with savings and investment of the rural households in the Ho Municipality. SEBI NCAER Survey (0) 5 was carried out to prepare a comprehensive profile of savings and investment behaviour in the context of income and consumption patterns and to obtain the risk profile of the households and relate this to savings and investment behaviour. Some of the relevant findings of the study are : i) The percentage of investors is nearly 0 per cent in urban areas while it is much lower ( per cent) in rural India. ii) There is a significant degree of non-investment by rural households because of: a) inadequateinformation, and b) lack of adequate skills. iii) Only per cent of all households, whose primary occupation is agriculture, allocate a part of their savings to pension plans. Srikakulam District formerly known as Chicacole is one backward district among the nine coastal districts of Andhra Pradesh.The current study focuses on analyzing the awareness of different financial products among the rural households in relation to the different socio-economic indicators. Page 8
3 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN OBJECTIVES OF THE STUDY The main objective of the study is to analyze the awareness of financial products among the rural households in relation to the different socio economic indicators..4 METHODOLOGY OF THE STUDY Selection of Sample : The data needed for the study is collected from the select rural households in the Srikakulam District. Data Collection : The data needed for the study will be collected from both primary and secondary sources. The secondary sources include Census 0 reports, various journals and books in the area of financial literacy, savings and investment behaviour of individuals. Sampling Design : The stratified random sampling technique will be used to collect information from the target respondents. The population from which the sample is drawn is divided into different stratasbased on gender, income levels, marital status, levels of education, age and occupation. Sample Size : The sample size is 5 rural households in Srikakulam District. Statistical Tools The entire data collected will be coded and computerized in Excel sheets and Bi- Variate analysis is applied..5 PROFILE OF THE SELECT SAMPLE OF RURAL HOUSEHOLDS IN THE STUDY AREA : A brief profile of the select sample of the rural households in the study area is presented in the Table. TABLE. PROFILE OF THE SELECT SAMPLE OF RURAL HOUSEHOLDS Age No. of No. of Income Level No. of Education Households Households (per month in Rs.) Households Below 30 Years Uneducated (38%) (45%) Less than 5,000 (8%) 3-40 Years Under ,000 (9%) Graduate (45%) (3%) 4-50 Years 39 4 Graduate 0,00-5,000 (%) (8%) (%) 5-0 Years 5 Post 5 More than 5,000 (%) Graduate (%) (%) Above 0 Years 9 3 Others (4%) (%) (00.0%) (00.0%) (00.0%) Note : Figures in the parenthesis indicate percentages to the column total Page 8
4 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN Gender Male Female No. of Households 4 (5%) 9 (35%) Marital Status Unmarried Married Single No. of Households 3 (0%) 99 (88%) 3 (%) Occupation Employee Cultivation Business Retired Cultivation and Daily Labour No. of Households (0%) 9 (4%) 80 (3%) 5 (%) 8 (%) Others 8 (3%) 5 (00.0%) 5 (00.0%) 5 (00.0%) Note : Figures in the parenthesis indicate percentages to the column total. AWARENESS OF FINANCIAL PRODUCTS AMONG RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT : Data relating to the distribution of select rural households according to the awareness of financial products in Srikakulam District are presented in Table. TABLE. DISTRIBUTION OF SELECT RURAL HOUSEHOLDS IN SRIKAKULAM DISTRICT ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS Amadala Gara Jalumu Kotabo Narasan Srikak valasa ru mmali napeta ulam Savings Fixed Deposit (00.0) (50.0) 33 (9.) 5 (3.5) 5 (44.) (00.0) (5.) 3 (8.8) 5 (.0) (53.) (00.0) 5 (3.) 39 (95.) 9 (4.3) 8 (43.9) (9.3) 3 (35.) 34 (9.9) (5.8) (43.) (9.) 9 (34.5) 4 (83.) (49.) (38.) (00.0) (4.) (00.0) (0.) (0.) (9.8) 9 (4.) 05 (9.) 9 (5.3) 04 (4.) Saving Schemes Secured Bank (.) (5.) (58.5) (5.8) (0.0) (0.) (0.4) (9.) (8.8) (3.) (3.0) (5.5) (00.0) (8.) (0.) (.) (4.) 3 (8.) 4 (.3) (4.) 34 (5.) 4 3 Debentures (0.) (.) (4.) (.) (.3) (4.) (4.) (0.) (.) (4.) (.) (3.) (35.3) 9 (.9) Total Sample Page 88
5 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN From the Table. it can be observed that, i) Majority of the rural households (9.8%) are aware of Savings Bank followed by micro finance (9.%). ii) A very few rural households (.9%) are aware of mutual funds followed by bonds/debentures (4.%). iii) The awareness of capital market instruments like shares, bonds or debentures and mutual funds among the rural households is lesser when compared to the other financial instruments.. AWARENESS OF FINANCIAL PRODUCTS AND AGE GROUP OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and age are presented in Table.3 TABLE.3 DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND AGE Age Financial Above Products Below Savings (9.) (98.5) (94.9) (00.0) (00.0) (9.8) Fixed Deposit 4 (53.5) 4 (3.4) (43.) 5 (0.0) 4 (44.4) 9 (4.) (93.0) (9.4) (89.) (9.0) (.) (9.) (4.0) (3.) (4.) (40.0) (44.4) (5.3) Saving Schemes 48 (55.8) (39.4) 9 (48.) 8 (3.0) 3 04 (4.) Secured Bank 55 (4.0) 43 (5.) 9 (48.) 5 (0.0) 4 (44.4) 3 (0.4) (8.) (.3) (4.4) (8.0) (55.) (8.) (9.8) (.) (.9) (8.0) (0.0) (5.) Debentures 8 (0.9) (9.) (5.4) (8.0) 0 (0.0) 3 (4.) (.4) (9.) (5.4) (8.0) (0.0) (.9) Total Sample From the Table.3 it can be observed that, i) The awareness of financial products is comparatively higher among the rural households in the age group of below 30. ii) Rural Households in the age group of above 0 are not aware of awareness of capital market instruments like shares, bonds or debentures and mutual funds. Page 89
6 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN AWARENESS OF FINANCIAL PRODUCTS AND EDUCATION OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and education are presented in Table.4 TABLE.4 DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND EDUCATION Education Financial Under Products Uneducated Graduate Graduate Post Graduate Others Savings (98.0) (9.) (00.0) (00.0) (00.0) (9.8) Fixed Deposit (.8) (5.9) (94.) (00.0) (.) (4.) (90.) (93.) (88.) (00.0) (.) (9.) (38.) (8.) (94.) (00.0) (.) (5.3) Saving Schemes (5.) (58.8) (88.) (50.0) (.) (4.) Secured Bank 45 3 (44.) (9.) (94.) (00.0) (.) (0.4) (3.4) (90.) (94.) (00.0) (00.0) (8.) (.0) (8.) (0.) (50.0) (0.0) (5.) Debentures (.0) (.) (58.8) (00.0) (0.0) (4.) (.0) (.) (58.8) (50.0) (0.0) (.9) Total Sample From the Table.3 it can be observed that, i) The awareness of financial products is considerably increasing with the level of education. ii) The awareness of capital market instruments like shares, bonds or debentures and mutual funds among the rural households is increasing significantly with the increase in the level of education..9 AWARENESS OF FINANCIAL PRODUCTS AND INCOME OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and income are presented in Table.5 Page 90
7 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN TABLE.5 DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND INCOME Income per month Financial Less than 500-0,00 - More than Products 5,000 0,000 5,000 5,000 Savings (9.8) (00.0) (00.0) (00.00) Fixed Deposit (9.9) (.0) (9.0) (80.0) Recurring 8 Deposit (.8) (5.0) (43.0) (40.0) (90.0) (9.0) (8.0) (00.0) (50.) (9.0) (.0) (00.0) Saving Schemes (33.8) (.0) (9.0) (80.0) Secured Bank (50.) (8.0) (9.0) (00.0) (4.0) (88.0) (8.0) (00.0) 3 3 (8.4) (.0) (50.0) (0.0) Debentures (8.4) (9.0) (43.0) (0.0) (.5) (9.0) (43.0) (0.0) Total Sample (9.8) 9 (4.) 8 (.4) 05 (9.) 9 (5.3) 04 (4.) 3 (0.4) (8.) 34 (5.) 3 (4.) 9 (.9) From the Table.5 it can be observed that, i) The awareness of financial products among the rural households has increased considerably with increase in the income levels. This signifies that the rural households with higher income are considering financial products for investments and also for raising funds when needed. ii) The awareness of capital market instruments like shares, bonds/debentures and mutual funds is more among the rural households in the higher income group..0 AWARENESS OF FINANCIAL PRODUCTS AND GENDER OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and gender are presented in Table. TABLE. Page 9
8 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND GENDER Financial Gender Products Male Female Savings (9.) (00.0) (9.8) Fixed Deposit (48.) 5 (3.) 9 (4.) Recurring Deposit (5.) (.) 8 (.4) (89.) (93.) (9.) (.3) (48.) (5.3) Saving Schemes 5 (5.4) 9 (3.) 04 (4.) Secured Bank 9 (5.8) 40 (50.) 3 (0.4) 0 (80.) (5.9) (8.) 8 34 (.8) (0.) (5.) Debentures (.8) (.) 3 (4.) (.4) (.3) (.9) Total Sample From the Table. it can be observed that, i) The awareness of financial products among the male rural households is higher compared to the female rural households. ii) The awareness of capital market instruments like shares, bonds/debentures and mutual funds is more among the male rural households.. AWARENESS OF FINANCIAL PRODUCTS AND MARITAL STATUS OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and marital status are presented in Table. Page 9
9 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN TABLE. DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND MARITAL STATUS Financial Marital Status Products Unmarried Married Single Savings (95.) (98.0) (00.0) (9.8) Fixed Deposit 84 9 Recurring Deposit Saving Schemes Secured Bank Debentures (4.8) 4 (.4) 9 (8.) 0 (43.5) 3 (5.5) (4.8) 8 (8.3) (.) 8 (34.8) (.) (4.) 3 (.) 84 (9.5) 8 (59.3) 90 (45.) 4 (.3) 58 (9.4) 8 (4.) 4 (.) 3 (.) (.) 0 (0.0) 0 (0.0) 0 (0.0) (4.) 8 (.4) 05 (9.) 9 (5.3) 04 (4.) 3 (0.4) (8.) 34 (5.) 3 (4.) 9 (.9) Total Sample From the Table. it can be observed that, i) Majority of the households (9.8%) in different marital statuses are aware of saving bank account followed by micro finance (9.%). ii) The awareness of capital market instruments like shares, bonds/debentures and mutual funds is higher among the rural households who are unmarried.. AWARENESS OF FINANCIAL PRODUCTS AND OCCUPATION OF THE RURAL HOUSEHOLDS : Data relating to the distribution of select rural households according to the awareness of financial products and occupation are presented in Table.8 Page 93
10 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN TABLE.8 DISTRIBUTION OF SELECT RURAL HOUSEHOLDS ACCORDING TO AWARENESS OF FINANCIAL PRODUCTS AND OCCUPATION Occupation Financial Cultivation Products Employee Cultivation Business Retired and Daily Others Labour Savings (95.5) (88.9) (98.8) (80.0) (00.0) (98.8) (9.8) Fixed Deposit (.) (5.0) (0.0) (5.0) (.0) (4.) Recurring Deposit (3.8) (0.0) (8.8) (0.0) (0.) (3.) (.4) (8.8) (.8) (95.0) (00.0) (9.4) (88.9) (9.) (8.4) (44.4) (.3) (0.0) (4.4) (38.3) (5.3) Saving Schemes (.3) (.) (0.0) (0.0) (3.) (3.5) (4.) Secured Bank (.3) (44.4) (80.0) (0.0) (4.3) (39.5) (0.4) (90.0) (.) (9.3) (0.0) (8.) (4.) (8.) 0 34 (3.8) (.) (.5) (0.0) (.) (.5) (5.) Debentures (.3) (.) (.3) (0.0) (3.) (3.) (4.) (.3) (.) (5.0) (0.0) (3.) (.) (.9) Total Sample From the Table.8 it can be observed that, i) The awareness of financial products is higher among rural households who are employed than the rural households in other occupations. This signifies that the employed rural households are considering financial products for investments and also for raising funds when needed. ii) The awareness of capital market instruments like shares, bonds/debentures and mutual funds is higher among the rural households who are employed. Page 94
11 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN FINDINGS OF THE STUDY : The major findings from the study of the major challenges of retail investors are summarized below : i) Majority of the rural households (9.8%) are aware of Savings Bank followed by micro finance (9.%). ii) The awareness of capital market instruments like shares, bonds or debentures and mutual funds among the rural households is lesser when compared to the other financial instruments. iii) The awareness of financial products is comparatively higher among the rural households in the age group of below 30. iv) The awareness of capital market instruments like shares, bonds or debentures and mutual funds among the rural households is increasing significantly with the increase in the level of education. v) The awareness of financial products among the rural households has increased considerably with increase in the income levels. This signifies that the rural households with higher income are considering financial products for investments and also for raising funds when needed. vi) The awareness of capital market instruments like shares, bonds/debentures and mutual funds is higher among the rural households who are unmarried. vii) The awareness of financial products is higher among rural households who are employed than the rural households in other occupations.4 SUGGESTIONS : From the findings presented above the following suggestions are offered to the government, the policy makers to further strengthen the financial system in rural India.. Improving Awareness of Financial Products among Rural Households : The Government should take necessary initiatives to further strengthen the awareness of financial products among rural households in the country. The Government should involve all the public sector banks, post offices, Companies and Capital Market Institutions for conducting Investor Awareness Programs in Rural India.. Basic Financial Education in Adult Education Programs:The adult education programs conducted by the Government authorities should also include the basic financial education. These programs should impart the required knowledge for effective financial planning in the future. 3. Role of FLCCs in improving Financial Awareness :The Financial Literacy and Credit CounsellingCentres (FLCCs) sponsored by the commercial banks set up in the rural areas should be instructed by the Reserve Bank of India to conduct Financial Awareness regularly in the rural areas of India aiming at improving financial literacy..5 CONCLUSION The improvement of awareness of financial products among the rural hoouseholds in India will growth of financial system depends on the penetration of the financial products into the rural markets in the country. The wider participation of rural households in financial markets will lead to increased financial deepening in Indian Economy. The success of the National Mission on Financial Inclusion initiated by Sri NarendraModi,The Prime Minister of India not just depends on the number of bank accounts that were opened in Prime Minister Jan DhanYojana (PMJDY) scheme but on the government s ability in enhancing the awareness of the various financial products among rural households in the country. Page 95
12 Asia Pacific Journal of Research Vol: I Issue XX, December 04 ISSN: , E-ISSN BIBLIOGRAPHY Annamaria Lusardi(005), Financial Education and the Savings Behaviour of African-American and Hispanics Households, U.S. Department of labour, Employee Benefits Security Administration. C Thilakam(0), Financial Literacy among rural masses in India, paper presented in the 0 International Conference on Business and Management, September 0, Phuket Thailand. 3 FurqanQamar (003), Saving Behaviour and Investment Preferences among Average Urban Household, The Indian Journal of Commerce, Vol.5, No., January-March 003, p FurqanQamar (003), Demographic Influences on Rural Households Saving and Investment: A Study of Rural Households in the Ho Municipality of Ghana, The International Journal of Applied Psychology, (4), p SEBI NCAER (000), How Households Save and Invest Evidence from NCAER Household Survey, SEBI, Mumbai. Page 9
POLICYHOLDERS AWARENESS ON SBI LIFE INSURANCE PLANS IN COIMBATORE DISTRICT
Shanlax International Journal of Commerce Vol. 5 No. 4 October 2017 ISSN: 2320-4168 UGC Approval No: 44120 Impact Factor: 3.017 POLICYHOLDERS AWARENESS ON SBI LIFE INSURANCE PLANS IN COIMBATORE DISTRICT
More informationKeywords: Financial services & Inclusive Financing, Awareness of Households towards Financial Services. I. INTRODUCTION
ISSN: 2321-7782 (Online) Impact Factor: 6.047 Volume 4, Issue 6, June 2016 International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study
More informationAn Empirical Research on the Investment Behavior of Rural and Urban Investors Towards Various Investment Avenues: A Case Study of Moradabad Region
An Empirical Research on the Investment Behavior of Rural and Urban Investors Towards Various Investment Avenues: A Case Study of Moradabad Region Kapil Kapoor Assistant Professor MIT, Department of Management
More informationA STUDY ON STATUS OF AWARENESS AMONG MUTUAL FUND INVESTORS IN TAMILNADU
A STUDY ON STATUS OF AWARENESS AMONG MUTUAL FUND INVESTORS IN TAMILNADU G. PRATHAP PhD Research Scholar, Dept. of Business Administration, Annamalai University, Annamalai Nagar Dr. A. RAJAMOHAN Professor,
More informationRole of Independent Variables on Investment Decision of Equity Retail Investors
Role of Independent Variables on Investment Decision of Equity Retail Investors P. V. Durga Rao Research Scholar Department of Commerce & Business Administration Acharya Nagarjunan University Nagarjuna
More informationA STUDY ON FACTORS INFLUENCING OF WOMEN POLICYHOLDER S INVESTMENT DECISION TOWARDS LIFE INSURANCE CORPORATION OF INDIA POLICIES IN CHENNAI
www.singaporeanjbem.com A STUDY ON FACTORS INFLUENCING OF WOMEN POLICYHOLDER S INVESTMENT DECISION TOWARDS LIFE INSURANCE CORPORATION OF INDIA POLICIES IN CHENNAI Ms. S. Pradeepa, (PhD) Research scholar,
More informationFinancial Literacy and its Contributing Factors in Investment Decisions among Urban Populace
Indian Journal of Science and Technology, Vol 9(27), DOI: 10.17485/ijst/2016/v9i27/97616, July 2016 ISSN (Print) : 0974-6846 ISSN (Online) : 0974-5645 Financial Literacy and its Contributing Factors in
More informationDemographic Influences on Rural Investors Savings and Investment Behavior: a Study of Rural investor in the kangra district of Himachal Pradesh
91 Journal of Management and Science ISSN: 22491260 eissn: 22501819 Vol.5. No.3 September 2015 Demographic Influences on Rural Investors Savings and Investment Behavior: a Study of Rural investor in the
More informationPOSTAL LIFE INSURANCE: ITS MARKET GROWTH AND POLICYHOLDERS SATISFACTION
POSTAL LIFE INSURANCE: ITS MARKET GROWTH AND POLICYHOLDERS SATISFACTION Dr. Angamuthu Balasubramaniam, Independent Researcher, Coimbatore Abstract Postal Life Insurance (PLI) is the oldest Life insurer
More informationA Study on Opinion of Working People towards Share Market Investment with Reference to Tiruchirapalli District
Int. Journal of Management and Development Studies 5(2): 50-59 (2016) ISSN (Online): 2320-0685. ISSN (Print): 2321-1423 Impact Factor: 0.715 A Study on Opinion of Working People towards Share Market Investment
More informationJournal of Exclusive Management Science May Vol 6 Issue 05 ISSN
A Study on Saving Pattern and Investment Opportunities Awareness at Rural Level - With reference to Nizamabad District, Telangana State. *Alok Raj Bhatt **Dr. KhyserMohd * Junior Research Fellow, Department
More informationSATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC
SATISFACTION OF WORKING WOMEN POLICYHOLDERS ON THE SERVICES OF LIC Dr. M.Akilanayaki* and Dr.R.Gopi** *Assistant Professor of Commerce, NGM College, Pollachi, Tamil Nadu, India. **Assistant Professor of
More informationImpact of SHGs on the Upliftment of Rural Women: An Economic Analysis
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 9/ December 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Impact of SHGs on the Upliftment of Rural Women: An Dr. RAJANI
More informationRelationship between Financial Literacy and Investment Behavior of Salaried Individuals
Relationship between Financial Literacy and Investment Behavior of Salaried Individuals Puneet Bhushan, Assistant Professor, Department of Humanities and Social Sciences, Jaypee University of Information
More informationSaving and Investment Pattern of College Teachers
ISSN(Print) 9-00 ISSN (Online)-58 DOI : 0.88/ijms/v5i()/0 DOI URL :http://dx.doi.org/0.88/ijms/v5i()/0 Saving and Investment Pattern of College Teachers M. Nallakannu, Research Scholar Manonmaniam Sundaranar
More informationAnalysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh
Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh M. Madhuri Dept. of Commerce and Management Studies, Andhra University, Visakhapatnam, Andhra Pradesh
More informationINVESTORS PERCEPTION TOWARDS MUTUAL FUND INVESTMENT A STUDY WITH SPECIAL REFERENCE TO SOCIO-ECONOMIC CONDITIONS
86 S. Kulothunga Pandian INVESTORS PERCEPTION TOWARDS MUTUAL FUND INVESTMENT A STUDY WITH SPECIAL REFERENCE TO SOCIO-ECONOMIC CONDITIONS S. Kulothunga Pandian* ABSTRACT Mutual fund is more profitable investment
More informationIJEMR August Vol 7 Issue 08 - Online - ISSN Print - ISSN
Customers Perceptions towards E-Banking Services A Study of Select Public Sector Banks in Rayalaseema Region of Andhra Pradesh Abstract *Mr. N. Ramanjaneyulu **Prof. B. Krishna Reddy *Research Scholar,
More informationStandard Fireworks Rajaratnam,College for Women, Sivakasi,
International Journal of Research in Social Sciences Vol. 7 Issue 4, April 2017, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International Journal
More informationAWARENESS OF LIFE INSURANCE- A STUDY OF JAMMU AND KASHMIR STATE
SHIV SHAKTI International Journal in Multidisciplinary and Academic Research (SSIJMAR) Vol. 1, No. 3, September-October (ISSN 2278 5973) AWARENESS OF LIFE INSURANCE- A STUDY OF JAMMU AND KASHMIR STATE
More informationInternational Association of Scientific Innovation and Research (IASIR) (An Association Unifying the Sciences, Engineering, and Applied Research)
International Association of Scientific Innovation and Research (IASIR) (An Association Unifying the Sciences, Engineering, and Applied Research) International Journal of Engineering, Business and Enterprise
More informationRISK BASED APPROACH TO INVESTMENT AWARENESS: AN EMPIRICAL STUDY WITH INDIVIDUAL INVESTORS
RISK BASED APPROACH TO INVESTMENT AWARENESS: AN EMPIRICAL STUDY WITH INDIVIDUAL INVESTORS Dr.D.PADMAVATHI, M.Com., M.Phil., PGDCA., MBA., Ph.D. Associate Professor & Head, Department of Commerce, Sri Ramakrishna
More informationINVESTORS PERCEPTION TOWARDS MUTUAL FUND INVESTMENT IN VIRUDHUNAGAR DISTRICT A STUDY WITH SPECIAL REFERENCE TO SOCIO-ECONOMIC CONDITIONS
Volume 6, Issue 11 (November, 2017) UGC APPROVED Online ISSN-2277-1166 Published by: Abhinav Publication Abhinav National Monthly Refereed Journal of Research in INVESTORS PERCEPTION TOWARDS MUTUAL FUND
More informationEvaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh Women
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 8/ November 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh
More informationROLE OF MUTUAL FUND IN THE RURAL HOUSEHOLDS (SCHEME PREFERENCE AND PERIOD OF INVESTMENT)
ROLE OF MUTUAL FUND IN THE RURAL HOUSEHOLDS (SCHEME PREFERENCE AND PERIOD OF INVESTMENT) Dr.S.Sudalaimuthu Reader, Department of Banking Technology, School of Management, Pondicherry University, Puducherry-605014,
More informationWOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT
Available online at : http://euroasiapub.org/current.php?title=ijrfm, pp. 36~43 Thomson Reuters Researcher ID: L-5236-2015 WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS : A STUDY IN COIMBATORE DISTRICT Dr.
More informationA Study On Policyholders Satisfaction On Service Of LIC: Reference To Coimbatore District
Research Paper Volume 2 Issue 10 June 2015 International Journal of Informative & Futuristic Research ISSN (Online): 2347-1697 A Study On Policyholders Satisfaction On Service Of LIC: Reference To Coimbatore
More informationABSTRACT. Keywords: Financial Inclusion, poverty, NABARD, economic growth, bank branch penetration, Financial products,
Critical appraisal of Process of Financial Inclusion and Indian Banking Sector By Dr. S. K. Pole Principal, S.B.B. alias Appasaheb Jedhe Arts, Commerce & Science College, Shukrawar Peth, Pune 411002, Maharashtra
More informationJ O U R N A L O N B A N K I N G F I N A N C I A L S E R V I C E S & I N S U R A N C E R E S E A R C H
The Journal of Sri Krishna Research & Educational Consortium J O U R N A L O N B A N K I N G F I N A N C I A L S E R V I C E S & I N S U R A N C E R E S E A R C H Internationally Indexed & Listed Referred
More informationATTITUDE OF RETAIL INVESTORS TOWARDS SHARE MARKET AND SHARE BROKING COMPANIES AN EMPIRICAL STUDY IN MADURAI CITY TAMILNADU
ATTITUDE OF RETAIL INVESTORS TOWARDS SHARE MARKET AND SHARE BROKING COMPANIES AN EMPIRICAL STUDY IN MADURAI CITY TAMILNADU Dr.M.SANTHI Department of Commerce, Madurai Kamaraj University College, Madurai
More informationQUESTIONNAIRE DEMOGRAPHIC PROFILE: Domicile : 1. Age : years years above 60 years. 2. Sex : Male Female
QUESTIONNAIRE DEMOGRAPHIC PROFILE: Domicile : 1. Age : 20 40 years 40-60 years above 60 years 2. Sex : Male Female 3. Marital Status : Married Unmarried 4. Educational Background : School Education : College
More informationAn Empirical Investigation Into Investor Awareness of Modern Investment Avenues- A Case Study of Kharar, Punjab. Tejinder Singh 1
An Empirical Investigation Into Investor Awareness of Modern Investment Avenues- A Case Study of Kharar, Punjab Tejinder Singh 1 1 Asst.Prof, Apex Institute of Technology, Chandigarh University-Gharuan,
More informationAN EMPIRICAL ANALYSIS ON PERCEPTION OF RETAIL INVESTORS TOWARDS DERIVATIVES MARKET WITH REFERENCE TO VISAKHAPATNAM DISTRICT
INDIAN JOURNAL OF MANAGEMENT SCIENCE (IJMS) EISSN -79X ISSN 49-080 54 AN EMPIRICAL ANALYSIS ON PERCEPTION OF RETAIL INVESTORS TOWARDS DERIVATIVES MARKET WITH REFERENCE TO VISAKHAPATNAM DISTRICT Mrs. E.V.P.A.S
More informationSATISFACTION LEVEL OF THE MALTED MILK FOOD CONSUMERS
SATISFACTION LEVEL OF THE MALTED MILK FOOD CONSUMERS R.SHOPIYA Assistant Professors, PG & Research Department of Commerce, Gobi Arts & Science College. ABSTRCT INTERCONTINENTAL JOURNAL OF MARKETING RESEARCH
More informationEducation and Employment Status of Dalit women
Volume: ; No: ; November-0. pp -. ISSN: -39 Education and Employment Status of Dalit women S.Thaiyalnayaki PhD Research Scholar, Department of Economics, Annamalai University, Annamalai Nagar, India. Abstract
More informationA Study on Financial Risk Tolerance and Preferred Investment Avenues of Investor
A Study on Financial Risk Tolerance and Preferred Investment Avenues of Investor Sarfaraz Ansari 1, Dr. Yogeshwari Phatak 2 1 Asst. Professor Prestige Institute of Management and Research, Indore 24/4,
More informationEXPLORATION OF AWARENESS OF LIFE INSURANCE:- A STUDY RURAL AREAS OF KASHMIR VALLEY
International Journal of Business Management & Research (IJBMR) ISSN 2249-6920 Vol. 2 Issue 4 Dec - 2012 21-28 TJPRC Pvt. Ltd., EXPLORATION OF AWARENESS OF LIFE INSURANCE:- A STUDY RURAL AREAS OF KASHMIR
More informationSelf-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka.
Self-Help Groups Catalyst to Financial Inclusion of Rural Women A Case Study of Dakshina Kannada District, Karnataka. Mr. Ramakrishna B *Research Scholar, GITAM Institute of Management, GITAM University,
More informationA STUDY OF INVESTMENT AWARENESS AND PREFERENCE OF WORKING WOMEN IN JAFFNA DISTRICT IN SRI LANKA
A STUDY OF INVESTMENT AWARENESS AND PREFERENCE OF WORKING WOMEN IN JAFFNA DISTRICT IN SRI LANKA Nagajeyakumaran Atchyuthan atchyuthan@yahoo.com Rathirani Yogendrarajah Head, Department of Financial Management,
More informationInvestment Pattern of Working Women in Dindigul District
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 7/ October 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Investment Pattern of Working Women in Dindigul District Dr. N.
More informationImpact of Financial Inclusion on Daily Wage Earners with Reference to Bhopal
International Journal of Management, IT & Engineering Vol. 7 Issue 8, August 2017, ISSN: 2249-0558 Impact Factor: 7.119 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International Journal
More informationwww. epratrust.com Impact Factor : p- ISSN : e-issn : January 2015 Vol - 3 Issue- 1
www. epratrust.com Impact Factor : 0.998 p- ISSN : 2349-0187 e-issn : 2347-9671 January 2015 Vol - 3 Issue- 1 ROLE AND IMPACT OF MICROFINANCE ON WOMEN SELF HELP GROUPS (SHGS) WITH SPECIAL REFERENCE TO
More informationBANKERS FAMILIARITY AND PREFERENCE TOWARDS FINANCIAL INCLUSION IN SIVAGANGA DISTRICT
BANKERS FAMILIARITY AND PREFERENCE TOWARDS FINANCIAL INCLUSION IN SIVAGANGA DISTRICT K. Subha, Research Scholar, Alagappa Institute of Management, Alagappa University, Karaikudi Dr. S. Rajamohan, Professor,
More informationInternational Journal of Business and Administration Research Review, Vol.2, Issue.5, April - June, Page200
PERCEPTIONS OF INVESTORS ON MUTUAL FUNDS A COMPARATIVE STUDY ON PUBLIC AND PRIVATE SECTOR MUTUAL FUNDS Dr. G. Veeramani Head-Professor, Department of Business Administration, Sri Sankara Arts & Science
More informationMOTIVATIONAL FACTORS AMONG TRIBAL WOMEN FOR JOINING SELF HELP GROUPS IN DHARMAPURI DISTRICT
International Journal of Research in Social Sciences Vol. 8 Issue 9, September 2018, ISSN: 2249-2496 Impact Factor: 7.081 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International
More informationDETERMINANTS OF HOUSEHOLD SAVING BEHAVIOUR A SPECIAL REFERENCE IN VELLAVELY DIVISIONAL SECRETARIAT DIVISION OF BATTICALOA DISTRICT.
DETERMINANTS OF HOUSEHOLD SAVING BEHAVIOUR A SPECIAL REFERENCE IN VELLAVELY DIVISIONAL SECRETARIAT DIVISION OF BATTICALOA DISTRICT. Kanthaiya Gobiga Discipline of Economics, Faculty of Arts and Culture,
More informationStudy Report on. Impact of Pradhan Mantri Jan DhanYojana (PMJDY)
Study Report on Impact of Pradhan Mantri Jan DhanYojana (PMJDY) March 2016 Bankers Institute of Rural Development, Lucknow & College of Agricultural Banking, Pune Caveat The study was carried out to observe
More informationBanking Awareness of The Residents in The Present Financial Inclusion ERA in Nagapattinam District, Tamil Nadu
Banking Awareness of The Residents in The Present Financial Inclusion ERA in Nagapattinam District, Tamil Nadu Dr. S. Rajaswaminathan Guest Faculty, Department of Commerce School of Management, Pondicherry
More informationIJBARR E- ISSN X ISSN ROLE OF PLANNING IN THE FINANCIAL DECISION MAKING OF INDIVIDUALS
ROLE OF PLANNING IN THE FINANCIAL DECISION MAKING OF INDIVIDUALS Dr.P.Maheswari Associate Professor, Kasturba Gandhi College for Women, West Marredpally, Secunderabad, India. INTRODUCTION The globalization
More informatione-issn : p- ISSN : Impact Factor : www. epratrust.com September 2014 Vol - 2 Issue- 9
e-issn : 2347-9671 p- ISSN : 2349-0187 Impact Factor : 0.998 www. epratrust.com A STUDY ON EXTENT OF FINANCIAL INCLUSION AMONG RURAL HOUSEHOLDS IN KERALA 1 Research Scholar, Department of Commerce and
More informationSUMMARY OF FINDINGS, CONCLUSION AND SUGGESTIONS
CHAPTER-7 SUMMARY OF FINDINGS, CONCLUSION AND SUGGESTIONS This chapter is divided into three sections. The first section enumerates the objectives and methodology of the study, the second section puts
More informationCHAPTER - IV INVESTMENT PREFERENCE AND DECISION INTRODUCTION
CHAPTER - IV INVESTMENT PREFERENCE AND DECISION INTRODUCTION This Chapter examines the investment pattern of the retail equity investors in general and investment preferences, risk-return perceptions and
More informationInvestment behavior of Investors towards Financial Assets in Goa: a Gender Based Study
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668 PP 25-32 www.iosrjournals.org Investment behavior of Investors towards Financial Assets in Goa: a Gender Based Study
More informationA STUDY ON PERCEPTION OF INVESTOR S IN AN ASSET MANAGEMENT ORGANISATION
A STUDY ON PERCEPTION OF INVESTOR S IN AN ASSET MANAGEMENT ORGANISATION KRITHIKA.BALAJI 1, Mr.P.WILLAM ROBERT 2, Dr.CH.BALA NAGESWARAROA 3 1. MBA Student, Saveetha School Of Management, India 2. Asst.Professor,
More informationA Study on the Investment Preference of Government Employees on Various Investment Avenues
A Study on the Investment Preference of Government Employees on Various Investment Avenues B.Thulasipriya Assistant Professor, Department of B.Com (e-commerce), PSGR Krishnammal College for Women, Coimbatore.
More informationThe Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P.
The Role Of Micro Finance In Women s Empowerment (An Empirical Study In Chittoor Rural Shg s) In A.P. Dr. S. Sugunamma Lecturer in Economics, P.V.K.N. Govt College, Chittoor Abstract: The SHG method is
More informationA Study On Micro Finance And Women Empowerment In Thanjavur District
Original Paper Volume 2 Issue 8 April 2015 International Journal of Informative & Futuristic Research ISSN (Online): 2347-1697 A Study On Micro Finance And Women Paper ID IJIFR/ V2/ E8/ 020 Page No. 2636-2643
More informationSERVICES OFFERED BY PUBLIC AND PRIVATE SECTOR BANKS - CUSTOMERS AWARENESS IN TIRUPUR DISTRICT
SERVICES OFFERED BY PUBLIC AND PRIVATE SECTOR BANKS - CUSTOMERS AWARENESS IN TIRUPUR DISTRICT V.Dhavamani, Research Scholar, PG and Research Department of commerce, Government Arts College, Udumalpet.
More informationSai Om Journal of Commerce & Management A Peer Reviewed International Journal
Volume 3, Issue 3 (March, 2016) Online ISSN-2347-7571 Published by: Sai Om Publications A STUDY ON FINANCIAL INCLUSION AMONG KUDUMBASREE MEMBERS WITH SPECIAL REFERENCE TO VILLIAPPALLY PANCHAYAT IN CALICUT
More informationA Study on the Impact of Demonetization among the General Public in Coimbatore City
ICSSR-NLSFIRU SEP- 2018 Special Issue ISSN: 2455-3085 (Online) RESEARCH REVIEW International Journal of Multidisciplinary www.rrjournals.com [UGC Listed Journal] A Study on the Impact of Demonetization
More informationKeywords: PMJDY, Pradhan Mantri, scheme, Mehsana, central government, PMJDY, Awareness. I. INTRODUCTION
ISSN: 2349-7637 (Online) RESEARCH HUB International Multidisciplinary Research Journal (RHIMRJ) Research Paper Available online at: www.rhimrj.com A study on Customer Awareness towards Jan-Dhan Yojana
More informationCHAPTER-VI PERCEPTIONAL ANALYSIS OF CHIT MEMBERS AND THE MANAGERIAL STAFF
CHAPTER-VI PERCEPTIONAL ANALYSIS OF CHIT MEMBERS AND THE MANAGERIAL STAFF 212 CHAPTER QUINTESSENCE This chapter is the core of the study and presented comprehensively in two sections. Section-A is a canvass
More informationSOCIO-ECONOMIC STATUS OF MUSLIM MAJORITY DISTRICT OF KERALA: AN ANALYSIS
SOCIO-ECONOMIC STATUS OF MUSLIM MAJORITY DISTRICT OF KERALA: AN ANALYSIS Dr. Ibrahim Cholakkal, Assistant Professor of Economics, E.M.E.A. College of Arts and Science, Kondotti (Affiliated to University
More informationInvestors Attitude Towards Mutual Fund (Special Reference to Chikkamagalore District, Karnataka State, India)
Investors Attitude Towards Mutual Fund (Special Reference to Chikkamagalore District, Karnataka State, India) 1 Subramanya P R, 2 Dr. T P Renuka Murthy 1 Dept. of Finance HRIHE, Hassan, Karnataka, India
More informationInternational Journal of Advance Engineering and Research Development ACCESS TO RURAL CREDIT IN INDIA:
Scientific Journal of Impact Factor (SJIF): 5.71 International Journal of Advance Engineering and Research Development Volume 5, Issue 04, April -2018 ACCESS TO RURAL CREDIT IN INDIA: An analysis of Institutional
More informationAssessing The Financial Literacy Level Among Women in India: An Empirical Study
Assessing The Financial Literacy Level Among Women in India: An Empirical Study Bernadette D Silva *, Stephen D Silva ** and Roshni Subodhkumar Bhuptani *** Abstract Financial Inclusion cannot be achieved
More informationEMPOWERING WOMEN STREET VENDORS THROUGH MICRO- FINANCING: A STUDY IN SIVASAGAR TOWN OF ASSAM
114 EMPOWERING WOMEN STREET VENDORS THROUGH MICRO- FINANCING: A STUDY IN SIVASAGAR TOWN OF ASSAM ABSTRACT DR. KUMUD CHANDRA GOSWAMI* *Professor and Head, Department of Commerce, Dibrugarh University, Dibrugarh
More informationA STUDY ON EVALUATION OF THE PERFORMANCE OF FINANCIAL INCLUSION PLANS (FIP) OF BANKS, IN INDIA FOR THE PERIOD ( )
A STUDY ON EVALUATION OF THE PERFORMANCE OF FINANCIAL INCLUSION PLANS (FIP) OF BANKS, IN INDIA FOR THE PERIOD (2010-16) Dr. Rajeev K. Saxena Associate Professor Department of EAFM University of Rajasthan,
More informationInvestment behaviour of Working Women---A Study of Ludhiana district in Punjab. Introduction
Investment behaviour of Working Women---A Study of Ludhiana district in Punjab Introduction Dr.Vivek Mittal 1 Nidhi Aggarwal 2 Every person has to work to earn money to meet their needs. Different persons
More informationPERCEPTION TOWARDS MUTUAL FUNDS- AN EMPIRICAL STUDY OF CHANDIGARH CITY
14 GJBM ISSN: 0973-8533 Vol. 3 No. 2, December 2009 PERCEPTION TOWARDS MUTUAL FUNDS- AN EMPIRICAL STUDY OF CHANDIGARH CITY Vijay Kumar Kaushal* and Gitanjali Upadhaya** ABSTRACT Mutual fund industry has
More informationA Study on Urban Working Women s Attitude towards Mutual Fund Investment in Jaipur District, Rajasthan
IRA-International Journal of Management & Social Sciences ISSN 2455-2267 Vol. 03 Issue 01 (April, 2016) Paper DOI: https://dx.doi.org/10.21013/jmss.v3.n1.p5 A Study on Urban Working Women s Attitude towards
More informationRELATIONSHIP BETWEEN RETIREMENT WEALTH AND HOUSEHOLDERS PERSONAL FINANCIAL AND INVESTMENT BEHAVIOR
Man In India, 96 (5) : 1521-1529 Serials Publications RELATIONSHIP BETWEEN RETIREMENT WEALTH AND HOUSEHOLDERS PERSONAL FINANCIAL AND INVESTMENT BEHAVIOR V. N. Sailaja * and N. Bindu Madhavi * This cross
More informationA Study on Investors Awareness Level towards Nidhi Companies (Benefit Funds)
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 19, Issue 1. Ver. II (Jan. 2017), PP 39-43 www.iosrjournals.org A Study on Investors Awareness Level towards
More informationKeywords: Financial Literacy, Investment Behaviour, Married Women, Investment Avenues, Awareness, Preference. I. INTRODUCTION
ISSN: 2321-7782 (Online) Impact Factor: 6.047 Volume 4, Issue 6, June 2016 International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study
More informationA STUDY ON FINANCIAL INCLUSION PLANS OF SCHEDULED COMMERCIAL BANKS IN INDIA
A STUDY ON FINANCIAL INCLUSION PLANS OF SCHEDULED COMMERCIAL BANKS IN INDIA Dr. M. Anbalagan, M.Com, M. Phil, B.Ed. Ph.D. Assistant Professor in Commerce Kalasalingam University, Krishnankoil & Prof. M.
More informationIJMIE Volume 2, Issue 3 ISSN:
Investment Pattern in Debt Scheme of Mutual Funds An Analytical Study A. PALANISAMY* A. SENGOTTAIYAN** G. PALANIAPPAN*** _ Abstract: A Mutual Fund is a trust that pools together the savings of a number
More informationAccess to Financial Services to the Rural Household Enterprises A Study of Srikakulam District, Andhra Pradesh
Access to Financial Services to the Rural Household Enterprises A Study of Srikakulam District, Andhra Pradesh Ch. Ganga Bhavani *, Prof.P. Veni** * Research Scholar, Department of Commerce and Management
More informationCUSTOMER SATISFACTION STUDY ON VEHICLE INSURANCE OF GENERAL INSURANCE COMPANIES WITHIN VAPI CITY
IMPACT: International Journal of Research in Humanities, Arts and Literature (IMPACT: IJRHAL) ISSN (P): 2347-4564; ISSN (E): 2321-8878 Vol. 6, Issue 2, Feb 2018, 189-194 Impact Journals CUSTOMER SATISFACTION
More informationAWARENESS OF FINANCIAL INCLUSION ON TRIBAL PEOPLE IN DHARMAPURI DISTRICT
AWARENESS OF FINANCIAL INCLUSION ON TRIBAL PEOPLE IN DHARMAPURI DISTRICT Mr. C. ANNAMALAI Ph.D Research Scholar, Department of Commerce, Annamalai University, Annamalainagar, Chidambaram, Tamil Nadu. Dr.
More informationA STUDY ON BEHAVIOR OF MUTUAL FUND INVESTORS IN INDIA
www.arseam.com Impact Factor: 0.98 A STUDY ON BEHAVIOR OF MUTUAL FUND INVESTORS IN INDIA *Godala. Satya Narayana Reddy *Associate Professor, ST.MARY S ENGINEERING COLLEGE ABSTRACT Today a lot of investment
More informationChapter -V CONCLUSION. Importance of human resource for economic development was recognized by
Chapter -V CONCLUSION Importance of human resource for economic development was recognized by modern economists. More and more investment was made for health, education and skill development. This caused
More informationKeywords: Policyholders Satisfaction And Awareness, Lic`S Services, Products Of Lic Of India Risk Coverage Claim And Settlement.
A STUDY ON SATISFACTION POLICY HOLDERS TOWARDS THE PRODUCTS OF LIFE INSURANCE CORPORATION OF INDIA, SALEM DISTRICT Dr. C. Manikanda Muthukumar* R. D. Geetha** *Assistant Professor and Research Supervisor,
More informationDetermining Tax Literacy of Salaried Individuals - An Empirical Analysis
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 10, Issue 6 (May. - Jun. 2013), PP 76-80 Determining Tax Literacy of Salaried Individuals - An Empirical
More informationINFLUENCE OF LOANS AND ADVANCES SCHEMES IN DETERMINING THE SERVICE QUALITY OF BANKS A STUDY WITH SPECIAL REFERENCE TO CANARA BANK IN SIVAKASI
Volume-11,Issue-4,March-2018 INFLUENCE OF LOANS AND ADVANCES SCHEMES IN DETERMINING THE SERVICE QUALITY OF BANKS A STUDY WITH SPECIAL REFERENCE TO CANARA BANK IN SIVAKASI Dr. V. Karthihai selvi, Assistant
More informationA STUDY ON INVESTORS BEHAVIOUR OVER INVESTMENT OPTIONS
A STUDY ON INVESTORS BEHAVIOUR OVER INVESTMENT OPTIONS Dr.T.Sisili 1,S.Gokul kumar 2,S.Sivakumar 3,G.Manikandan 4 &V.Dineshkumar 5 1&2 Asst.Professor,School of Management Studies,3,4& 5 II MBA Students,School
More informationMeasuring the Financial Literacy Level among Working Youth in Punjab
Volume-03 Issue-05 May-2018 ISSN: 2455-3085 (Online) www.rrjournals.com [UGC Listed Journal] Measuring the Financial Literacy Level among Working Youth in Punjab *1 Sarita Thakur & 2 Dr. Monita Mago *1
More informationCHAPTER III RESEARCH METHODOLOGY
80 CHAPTER III RESEARCH METHODOLOGY 3.1 Research Design a) Population of Universe b) Element c) Sampling Unit d) Sampling Design e) Sample Size 3.2 Data Collection 81 RESEARCH METHODOLOGY The main objective
More information3, 1, 2017 A STUDY ON FINANCIAL PERFORMANCE OF TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED
A STUDY ON FINANCIAL PERFORMANCE OF TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED Dr. M. Thamaraikannan* & V. Yuvarani** * Associate Professor and Head, PG and Research Department of Commerce, Sri
More informationAfrican Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: Abstract
African Journal of Hospitality, Tourism and Leisure Vol. 1 (3) - (2011) ISSN: 1819-2025 Micro-Women Entrepreneurship and its potential for hospitality and tourism related enterprises amongst others: a
More informationAnalysis of the Level of Financial Literacy and Financial Inclusion among Rural Households in Krishna District: Andhra Pradesh
IOSR Journal of Economics and Finance (IOSR-JEF) e-issn: 2321-5933, p-issn: 2321-5925.Volume 6, Issue 4. Ver. I (Jul. - Aug. 2015), PP 38-42 www.iosrjournals.org Analysis of the Level of Financial Literacy
More informationStudy on Measurement and Management of Cash Flow Efficiency of Tata Steel Limited (Standalone Company)
Study on Measurement and Management of Cash Flow Efficiency of Tata Steel Limited (Standalone Company) R. Sathish Kumar, Department of Commerce, MIET Arts & Science College, Gundur, Tamil Nadu Abstract
More informationEmpowering Women Through Micro Finance- A Nbfc Approach
IOSR Journal of Business and Management (IOSR-JBM) e-issn: 2278-487X, p-issn: 2319-7668. Volume 20, Issue 9. Ver. V (September. 2018), PP 18-26 www.iosrjournals.org Empowering Women Through Micro Finance-
More informationA Study in Ariyalur Panchayat Union of Financial Behaviour (With Specific Reference to Customers of IOB)
A Study in Ariyalur Panchayat Union of Financial Behaviour (With Specific Reference to Customers of IOB) A.Caroline Priyanka Koorse Govindaraj 1 and Dr. S. Kavitha 2 1 (Ph.D Research Scholar, Department
More informationINTERNATIONAL JOURNAL OF RESEARCH AND ANALYSIS VOLUME 3 ISSUE 4
PROGRESS OF FINANCIAL INCLUSION ON BANKING IN INDIA **Dr.M.Meganathan & R.Saravanan Introduction In world more than 150 million people have access to collateral free loans. However, there are still large
More informationROLE OF FINANCIAL LITERACY IN ACHIEVING FINANCIAL INCLUSION
I J A B E R, Vol. 14, No. 6, (2016): 4607-4613 ROLE OF FINANCIAL LITERACY IN ACHIEVING FINANCIAL INCLUSION Suhasini Verma 1 and Oum Kumari R 2 Abstract: Objectives of the Study: The purpose of this paper
More informationA Study of Investment Pattern&Gender Difference in Investment Behaviour of the Residents- An Empirical Study in and Around Mohali
DOI : 10.18843/ijms/v5i1(3)/08 DOIURL :http://dx.doi.org/10.18843/ijms/v5i1(3)/08 A Study of Investment Pattern&Gender Difference in Investment Behaviour of the Residents- An Empirical Study in and Around
More informationThe Mutual Fund Industry: A View of Agents and Advisors on Micro Sip s (Systematic Investment Plan)
The Mutual Fund Industry: A View of Agents and Advisors on Micro Sip s (Systematic Investment Plan) Dr. Swati Bandi Teaching Consultant, Faculty of Management Studies, MLSU, Udaipur ABSTRACT Mutual Funds
More informationSocio-Economic Status Of Rural Families: With Special Reference To BPL Households Of Pauri District Of Uttarakhand
IOSR Journal Of Humanities And Social Science (IOSR-JHSS) Volume 22, Issue 6, Ver. 2 (June. 2017) PP 16-20 e-issn: 2279-0837, p-issn: 2279-0845. www.iosrjournals.org Socio-Economic Status Of Rural Families:
More informationInfluencing Dynamics of Safety in Mutual Fund Investments An Emperical Overview
ICIMP-2018 SEP- 2018 Special Issue ISSN: 2455-3085 (Online) RESEARCH REVIEW International Journal of Multidisciplinary www.rrjournals.com [UGC Listed Journal] Influencing Dynamics of Safety in Mutual Fund
More informationRelation Between Investment Objectives and Demographic Variables
JOURNAL OF GENERAL MANAGEMENT RESEARCH Relation Between Investment Objectives and Demographic Variables Sunita Bishnoi DAVIM Faridabad, Haryana, India E-mail: bishnoi.sunita@rediff.com ISSN 2348-2869 Print
More information