International Journal on Research and Development - A Management Review
International Journal on Research and Development - A Management Review P-ISSN: 2319–5479 Frequency: Biannual Publisher Website: https://mriindia.com/ Editor in Chief: Dr. Vinit Khetani Article Processing Charges: 50 USD Indexing In: Google Scholar, SCILIT, BASE, Semantic Scholar, Scribd, ResearchGate
The Evolution of Political Parties, Interest Groups, and Elections Towards the Digital Democratic Era
The transformation of digital technology has played a crucial role in the development of democratic systems worldwide. Political parties, interest groups, and election processes have been significantly influenced by digital advancements, leading to structural, procedural, and behavioral shifts among voters. Political parties must adapt to leverage digital platforms for communication with the public, election campaigns, and strategic planning. Similarly, interest groups can utilize digital media as a tool to gain support and influence policy-making. Furthermore, digital technology has impacted the election process through e-Voting systems and the application of artificial intelligence in managing voter data. While these advancements enhance efficiency and transparency, they also present risks such as cybersecurity threats and misinformation, which may undermine the legitimacy of election outcomes. This paper employs the concepts of digital democracy and comparative political theory to analyze trends and challenges, while proposing new approaches to enhance transparency, public participation, and equality in a digital democratic society.
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Public participation in drug prevention and solution in Thailand
This article aims to study the promotion of public participation in drug prevention and treatment. The study's results found that the promotion of public participation in drug prevention and treatment involves providing knowledge to the public by organizing workshops, and community meetings, and disseminating various information to help them gain knowledge, understand, and recognize the importance of participation to provide opportunities for the public to participate in promoting drug prevention approaches from the decision-making process on issues, needs, leading to various activities and mutual benefits after the activities have been carried out, as well as allowing the public to participate in the inspection, monitoring and evaluation of the development and promotion of public participation in drug prevention. Keywords: participation, drug prevention.
The Elderly Welfare Management of Local Administrative Government Organizations In Thailand
This article examines the welfare management practices of Local Government Organizations in Thailand. The findings indicate that effective social welfare for the elderly encompasses four key aspects: 1) Health: The elderly should receive comprehensive physical health care, which includes proper nutrition, exercise, and mental well-being. They should also enjoy a nurturing family environment, receive attention from their grandchildren, and engage in recreational activities for enjoyment and relaxation. 2) Housing: Adequate housing for the elderly must provide a clean and safe living environment. 3) Work and Income: Initiatives should be taken to encourage the elderly to spend their leisure time productively, support their career development, and help them earn enough income to sustain their living. 4) Social Security: The elderly should reside in environments that are free from pollution and are secure. Therefore, Local Government Organizations should promote comprehensive social welfare programs for the elderly that address physical, mental, family, social, and environmental needs.
Poverty Reduction Through Community Enterprises in Thailand
This article examines the issue of poverty in Thailand and proposes solutions through the principles of community enterprises. The focus is on promoting self-reliance among individuals by encouraging them to produce and sell their products. This approach integrates efforts from the government, civil society, and the private sector to develop a grassroots economy that achieves stability, prosperity, and sustainability. To enable people to access government policies and budgets for funding, tools for innovation and production, as well as knowledge resources—such as research, packaging development, and marketing promotion. This study found that implementing these principles positively impacts communities. It leads to increased incomes, improved diets, and a sense of warmth within families through career development driven by community enterprises. A model called the BSSC (Budget, State Policy, Social and Economic Conditions, Network Coordination) was developed to demonstrate the importance of driving sustainable community enterprises. This model highlights that all four elements must work in harmony to effectively tackle poverty issues in Thailand.
Community Participation in Solid Waste Disposal of People in Dusit District, Bangkok
This research aimed to study the level of participation, compare differences in participation, and examine recommendations for promoting public participation in solid waste disposal in Dusit District, Bangkok. This quantitative research employed a sample of 400 residents in the Dusit area. Data were collected using questionnaires and analyzed using basic statistics, t-test, and one-way ANOVA. The findings revealed that the overall level of community participation in solid waste disposal was high, with significant participation in decision-making, implementation, benefit-sharing, and evaluation, respectively. Residents with different gender, age, income, and information perception showed significant differences in their participation in solid waste disposal, while educational level, occupation, and household waste generation showed no differences. The researchers recommend promoting learning and knowledge dissemination about waste management, encouraging community participation through various activities such as establishing recycling centers and waste banks, supporting relevant policies and legislation, and building networks with environmental conservation groups.
Technology and Innovations in Sports and Performance
The integration of technology in sports has revolutionized performance enhancement, athlete training, injury prevention, and game analytics. This paper examines the latest advancements in sports technology, including wearable sensors, biomechanics, artificial intelligence, virtual reality, and data analytics. Additionally, it explores the impact of these innovations on athlete performance, coaching strategies, and sports science research. The paper concludes by discussing future trends and the ethical considerations associated with the use of technology in sports.
Technology-Based Scheduling and Event Management in Sports
In the dynamic and multifaceted domain of sports, effective scheduling and event management play a crucial role in ensuring smooth operations, optimal resource utilization, and enhanced participant experience. Traditional methods, often manual and error-prone, are increasingly being replaced by sophisticated technological solutions. This research paper explores the integration of technology in scheduling and event management within the sports industry. It highlights various digital tools, software systems, and platforms that streamline operations, enhance coordination, and support decision-making. The study also investigates the impact of such technologies on stakeholders, including event organizers, athletes, coaches, and spectators. Furthermore, the paper presents case studies and real-world applications to illustrate the practical benefits and challenges of adopting these technologies. The findings contribute to the growing body of knowledge in sports management, offering strategic recommendations for leveraging technology to improve event delivery and stakeholder satisfaction.
The Psychology of Successful Sports: Improving Health and Performance
Sporting success is deeply rooted in psychological principles that influence an athlete's performance, resilience, and overall wellness. This paper explores the role of mental conditioning, motivation, emotional regulation, focus, and psychological recovery in athletic success. Furthermore, it examines various psychological strategies, including mindfulness, goal setting, visualization, and cognitive behavioral techniques, that enhance an athlete’s performance. The paper also discusses the impact of stress management, self-confidence, and mental toughness in achieving peak performance while maintaining long-term well-being. Future research directions are highlighted to integratepsychological interventions with training methodologies for holistic athletic development.
A Effective Study on Ratio Analysis as Per The Financial Statement at TCS (Tata Consultancy Services) Mumbai (2021-2024)
An Effective Study on Home Loans with Reference to ICICI Bank (2021/2024) This study aims to provide a comprehensive analysis of home loan products offered by ICICI Bank during the fiscal years 2021 and 2024. It delves into the various aspects of ICICI Bank's home loan offerings, including interest rates, loan tenures, eligibility criteria, processing fees, and customer service experiences. By examining these factors, the research seeks to evaluate the effectiveness and competitiveness of ICICI Bank's home loan products within the evolving Indian real estate market. The study will utilize a mixed-methods approach, incorporating both quantitative and qualitative data. Quantitative analysis will involve examining publicly available data, such as interest rate trends, loan volume, and market share, as well as utilizing financial modeling to analyze loan affordability and repayment structures. Qualitative data will be gathered through customer surveys, interviews with ICICI Bank personnel, and analysis of customer feedback platforms to understand customer satisfaction and identify potential areas for improvement. Furthermore, the research will explore the impact of macroeconomic factors, regulatory changes, and technological advancements on ICICI Bank's home loan portfolio. It will also investigate the bank's strategies for attracting and retaining customers, including digital initiatives and personalized loan solutions. The findings of this study will provide valuable insights for potential home loan borrowers, ICICI Bank management, and policymakers, contributing to a better understanding of the home loan market and promoting informed decision-making.
A Effective Study on Working Capital Management of Maruti Suzuki Nagpur for The Year of 2020 -2024
The study titled "Effective Study on Working Capital Management of Maruti Suzuki Nagpur for the Years 2020, 2021, 2022, 2023, and 2024" aims to assess the working capital management practices of Maruti Suzuki's Nagpur plant over a five-year period. Working capital management is critical for ensuring the smooth functioning of day-to-day operations in a company. Efficient management of working capital improves liquidity, operational efficiency, and profitability. The study analyzes the company's working capital through key financial metrics such as the current ratio, quick ratio, inventory turnover, and receivables and payables days. By examining the financial data over the specified period, the research identifies trends in working capital practices and their impact on Maruti Suzuki's operational performance. Factors such as sales growth, production efficiency, supplier relationships, and changes in the automotive industry landscape are taken into account to understand the underlying dynamics of working capital management. The findings suggest that Maruti Suzuki has maintained a relatively stable working capital position over the years, with improvements in inventory management and accounts receivable. The study also investigates the impact of economic factors such as the COVID-19 pandemic and supply chain disruptions on working capital. Additionally, recommendations for enhancing working capital efficiency are provided, including optimizing inventory levels, better receivables management, and strategic planning for cash flows. This study contributes to the understanding of the critical role of working capital management in the automotive industry and offers insights for Maruti Suzuki and other companies aiming to improve their financial health and operational effectiveness.
A Comparative Study of Education Loan Scheme of Punjab National Bank and ICICI Bank, Nagpur 2021-2024
The main purpose of the study is to find out best possible rate of interest for Education loans in order to attract the customers for Education loans. Financial management is one of the most important and integral part of any company understanding the financial of the company is necessary for the stake holder's financial position deals with knowing the liquidity, profitability, solvency and leverage that is risk involved in the company. At the end of this project I will try to find of all the problem which affects the profitability of the company and I will try to provide best solution to increase profitability of both the companies. The rate of interest on loan is the major factor of preference for availing education loans from PNB Bank and ICICI Bank. Special scheme for non-professional student as well as for professional student should be increased. PNB and ICICI Bank should introduce some new model keeping in mind the loan suitable for the medium income group customer. In this age of information, the customer before taking loans collected all the information about various brands. The banks should a combined booklet of the product range in order to upgrade the knowledge of future taking of loans. Presence of some famous Education in Advertisement or in Pamphlet’s insuring better retention in the mind of customers.
An Analytical Study of Advance Strategy of option Trading in stock Market in India
Options trading has gained significant traction in the Indian stock market, offering traders and investors a flexible approach to risk management and speculative opportunities. This analytical study explores various options trading strategies, evaluating their effectiveness in different market conditions. Strategies such as covered calls, protective puts, straddles, and iron condors are examined using historical data and market trends. The study also considers key factors such as implied volatility, time decay, and liquidity that impact strategy selection and profitability. By analyzing real-world trading scenarios, this research provides insights into optimizing risk-adjusted returns in the Indian derivatives market. The findings aim to assist traders, investors, and financial professionals in making informed decisions while navigating the complexities of options trading in India.
An Analytical Study of Training & Development Practices in TATA Motors Pvt. Ltd. Company Nagpur
Training and development is the study of how structured experiences help employees gain work-related knowledge, skill, and attitudes. It is like many other topics in management in that it is inherently multidisciplinary in nature. At its core is the psychological study of learning and transfer. A variety of disciplines offer insights into this topic, including, but not limited to, industrial and organizational psychology, educational psychology, human resource development, organizational development, industrial and labor relations, strategic management, and labor economics. The focus of this bibliography is primarily psychological with an emphasis on theory and practice that examines training processes and the learning outcomes they seek to influence. Nevertheless, literature from other perspectives will be introduced on a variety of topics within this area of study. Tata Motors Limited (formerly TELCO) is an Indian multinational automotive manufacturing company headquartered in Mumbai, Maharashtra, India and a subsidiary of the Tata Group. Its products include passenger cars, trucks, vans, coaches, buses and military vehicles. It is the world’s eighteenth-largest motor vehicle manufacturing company, fourth-largest truck manufacturer and second-largest bus manufacturer by volume. The specific objectives of the study are to study the various training program conducted in Tata Motors, to study the detail process of training program of the Motors, to study the impact of training program on employee performance, to study the impact of training programs on productivity. The Current Study Specify that effective employee training program are having positive impact on productivity of Tata Motors. The type of research chosen for the study is descriptive research. In descriptive research various parameters will be chosen and analyzing the variations between these parameters. This is done with an objective to find out the motivation level of the employees. The primary data was collected to measure the customer satisfaction and their perception regarding Tata Motors Company. The primary data was collected by mean of questionnaire and analysis was done on the basis of response received from the customers. The questionnaire has been designed in such a manner that the consumer’s satisfaction level can be measured and consumer can enter his responses easily. Secondary Data the purpose of collecting secondary data was to achieve the objective of studying the recent trends and developments taking place in Company. The aim of the study was to explore the impact of training and development on employee performance and productivity. About 50 employees have been selected as sampling size. The type of research design is used in the project is exploratory research design. In order to improve the efficiency of employee in the present job and prepare himself for the higher level job, the effective training programs are necessary.
A study of Recruitment & Selection Procedure with special Reference to Persistance Pvt. Ltd. Nagpur
Recruitment and selection are fundamental to the success of all organizations, as businesses simply cannot function without the right employees. But first, you need to find them, fascinate them, and convince them that working in your business is their best option. the concept of recruitment refers to the process in which a company searches for, gathers and identifies candidates who please the criteria for a job opening within the business. Recruitment impacts on all angles of a company, as hiring capable talent is fundamental for an organization’s success. In fact, it is down to an organization’s people to range the business goals. The resolution of the recruitment stage, therefore, is to attract qualified and trained talent. Selection is the process whereby candidates’ qualities, expertise, skills, and experience are evaluated in relation to a job opening at an organization. In this stage the HR team creates a set of standards or tests to determine which candidates are competent, and which are not. In this way, it is possible to identify the candidate profile who finest fits the company’s requirements.
An Analytical Study on Employee Absenteeism with Special Reference to A1 Exporter Pvt. Ltd. Nagpur
Absenteeism in Indian industries has become usual phenomenon. It is a vital issue that requires immediate attention by both employers and employees. Absenteeism is a habitual pattern of absence from a duty or obligation. It’s a mistake to think that absenteeism is always a product of laziness or employees who try to get out of work whenever they can. This paper attempts to spotlight various causes of absenteeism ranging from personal issues to poor work environment, occupational diseases, poor production planning (flow of work), bad working conditions and inadequate welfare conditions, lack of trained laborers, insecurity in employment, collective bargaining process, rigid control system, lack of supervisory support, lack of interest, lack of cohesive and cordial culture and so on. This research also highlights the ways to reduce the absenteeism of the employees in the Indian Industry.
An Analytical Study of The Role of Augmented Reality (AR) In Online Shopping Experience Using Amazon App
Augmented Reality (AR) has revolutionized the digital shopping experience by enabling consumers to interact with virtual 3D models of products before making purchase decisions. With the rapid expansion of e-commerce, immersive and interactive shopping experiences are becoming essential for bridging the gap between physical and online retail. Amazon has integrated AR into its mobile application through the "View in Your Room" feature, allowing users to visualize furniture, home décor, and electronics in their real-world environment. This study examines the impact of AR on consumer behavior within Amazon’s e-commerce platform, focusing on its influence on purchasing decisions, user engagement, and product confidence. The research analyzes key factors such as product visualization, convenience, and decision-making while also addressing challenges such as technological constraints, consumer awareness, and implementation costs. Findings indicate that AR enhances customer satisfaction by providing a realistic and interactive shopping experience, reducing product uncertainty, and lowering return rates. Consumers who engage with AR-based shopping features exhibit greater confidence in their purchases, leading to increased brand loyalty and trust in online retail. Furthermore, the study explores future AR applications in e-commerce, including AI-driven personalized shopping, virtual try-ons, and enhanced product customization. As AR technology evolves, its integration into digital commerce is expected to redefine online shopping. This research provides valuable insights for businesses, marketers, and technology developers aiming to optimize sales strategies and enhance customer engagement through AR, positioning it as a critical innovation in the future of e-commerce.
Analysing Human Resource Practices at Esaf Microfinance Bank
The Human Resource (HR) procedures and key features of ESAF Microfinance Bank, including hiring and selection, training and development, performance evaluation, pay administration, employee motivation, and retention policies, will be covered in this study. The impact of ESAF's HR policies on worker happiness, organizational commitment, and overall productivity is examined in this study using a quantitative method. Primary data was collected through a structured questionnaire, and regression analysis was used to identify the relationship between different HR characteristics and job satisfaction, which was the dependent variable. This study confirms that effective HR policies, specifically training programs, open performance grading systems, and fair compensation systems, significantly increase employee motivation and organizational efficiency. However, career advancement and employee reward plans are areas to be improved. This study suggests that HR policies must be reviewed continuously and upgraded to increase employee involvement, turnover rates must be reduced, and long-term organizational stability must be guaranteed.
Analysis of Factors Influencing Customer Loyalty in Cooperative Banks
Co-operative banks, also known as co-operative societies, are re-incorporated in the legal formal form of co-operatives. Co-operative banks/societies to obtain a license from the banking regulatory body ‘Reserve Bank of India (RBI)’ to establish a financial business by following the guidelines and policies issued by the ‘RBI’ established under the Indian constitutional provision. 68 different types of cooperative banks are integrated with the Indian cooperative banking system. Corporate banking drives all parts of the bank one of the most profitable divisions of corporate banking financial services. Understanding the distinct elements affecting client loyalty in cooperative banks is the goal of this study.which is critical for their growth and sustainability in a competitive banking environment. It will also examine how lending practices and customer service impact loyalty, enhancing cooperative banks' ability to retain customers. This study examines the bank's performance and the loan procedures it offers its consumers.
A Study on Financial Literacy and Its Influence on the use of Pesticides among the farming community in Nagpur district
Livestock husbandry is a crucial component of Indian agriculture, serving as a significant avenue for diversification and providing new employment opportunities. Dairy farming in supporting the livelihoods of landless and economically deprived individuals in rural regions is apparent. its miles identified as one of the key fee-added farming systems inside. It is recognized as one of the key value-added farming systems in the country. In commercial dairy farming, cows and buffaloes are particularly important, with approximately 90% of the world's milk production deriving from cows. Present study is concerned with Financial Literacy and Its Influence on the Success of Dairy Farmers in Nagpur Land is the idea of agriculture. simply all forms of production rely on land. In widely known, all agricultural manufacturing is based upon on it. to date because the position of land in agriculture is worried, it serves as foremost deliver of meals and fiber manufacturing, pastures and grazing lands, forests and many others.
A Study on the Role of Tableau in Simplifying Stock Market Data Interpretation at Cognifyz Technologies, Nagpur
The effective interpretation of stock market data is critical for investors and analysts seeking informed decision-making. Tableau, a leading data visualization tool, simplifies the analysis of complex datasets by converting raw information into visually engaging and actionable insights. This study explores the role of Tableau in streamlining the interpretation of stock market data at Cognifyz Technologies, Nagpur. Emphasis is placed on the tool's ability to enhance analytical efficiency, improve real-time decision-making, and support predictive analysis. Key performance indicators, patterns, and trends are identified with ease, contributing to better investment strategies. The research employs a mixed-methods approach, combining qualitative interviews with industry experts and quantitative assessments of Tableau's impact on efficiency. Findings reveal significant improvement in understanding data patterns and reducing the time required for analysis, underlining Tableau's potential as a transformative asset for financial analysis. By leveraging Tableau's intuitive interface, businesses can achieve greater accuracy and reliability in interpreting stock market trends. This study contributes to the existing body of knowledge by demonstrating how modern data visualization tools can revolutionize traditional methods of financial data analysis and foster strategic advancements in the stock market sector.
A Study on the Role of Social Media Analytics in Understanding Consumer Behavior Through Power BI at Cryptex Technologies, Nagpur
Social media analytics has emerged as a critical tool for understanding consumer behavior in today’s digital landscape. This study explores the integration of social media analytics with Power BI to gain actionable insights into consumer preferences, behaviors, and trends at Cryptex Technologies, Nagpur. Leveraging the capabilities of Power BI, the research examines how data visualization and analytics tools can translate vast amounts of social media data into meaningful insights that drive decision-making. The study employs a mixed-methods approach, combining qualitative and quantitative data analysis, to evaluate the effectiveness of Power BI in analysing social media metrics such as engagement rates, sentiment analysis, and demographic segmentation. Results indicate that social media analytics, when effectively integrated with advanced visualization tools, significantly enhances the understanding of consumer behavior, enabling businesses to make data-driven marketing decisions. The findings further reveal that the use of interactive dashboards and real-time data processing capabilities of Power BI facilitates a deeper comprehension of market trends, helping organizations remain competitive in a rapidly evolving business environment. This research contributes to the growing body of knowledge on the strategic application of social media analytics in consumer behavior studies and offers practical insights for businesses aiming to optimize their social media strategies using data visualization tools.
A Study on The Impact of GST on Indian Economy
The Goods and Services Tax (GST) was implemented in India on July 1, 2017, as a transformative tax reform designed to unify the nation’s indirect tax system. It replaced multiple indirect taxes, including Value Added Tax (VAT), excise duty, and service tax, with a streamlined structure to enhance tax compliance, reduce tax evasion, and simplify business operations. GST operates on a multi-tier system, allowing for better tax administration, the elimination of the cascading tax effect, and improved revenue collection. This study examines the impact of GST on the Indian economy, focusing on its effects on tax compliance, economic growth, inflation, and various business sectors. The introduction of GST has led to greater transparency, increased government revenue, and a more structured taxation framework. Businesses, particularly in manufacturing and logistics, have benefited from reduced operational costs and simplified processes. However, small and medium enterprises (SMEs) have faced challenges due to compliance burdens, frequent changes in tax rates, and technical difficulties in the GST Network (GSTN). The research highlights both the positive outcomes and the difficulties associated with GST implementation. While it has enhanced ease of doing business, reduced tax evasion, and broadened the tax base, initial disruptions and sector-specific challenges have created hurdles. The study also discusses policy recommendations such as simplifying tax structures, improving digital infrastructure, and providing better support for small businesses to maximize the benefits of GST.GST is a significant step toward economic reform in India. With continuous improvements and policy refinements, it has the potential to further strengthen economic stability, improve business efficiency, and support long-term growth. This research underscores the importance of ongoing adjustments to ensure GST functions optimally and benefits all sectors of the economy.
A Study on the Effectiveness of Smart Attendance Systems Using Face Recognition at Cognifyz Technologies, Nagpur
Automation in attendance tracking has transformed workplace efficiency and reliability. Smart attendance systems leveraging face recognition technology provide an innovative solution to address traditional challenges such as proxy attendance, time theft, and manual errors. This study examines the implementation and effectiveness of a face recognition-based attendance system at Cognifyz Technologies, Nagpur. By analysing the system's integration process, performance metrics, and employee feedback, the research highlights its impact on operational efficiency, data accuracy, and overall workplace discipline. The findings indicate a significant reduction in attendance discrepancies, enhanced time management, and improved transparency within the organization. The study also addresses challenges such as initial deployment costs, system training, and privacy concerns while exploring strategies to mitigate these issues. Recommendations for optimizing the system's potential include the use of advanced algorithms to handle diverse lighting conditions and integration with payroll systems for seamless functioning. The study underscores the role of technology in modern HR practices and its contribution to creating smarter, data-driven workplaces.
A Study on the Relationship Between Work-Life Balance and Employee Job Satisfaction at ICICI Bank
Achieving a harmonious work-life balance has become a pivotal factor in influencing employee job satisfaction across various sectors. The study explores the intricate relationship between work-life balance and job satisfaction at ICICI Bank, aiming to identify how policies, practices, and individual efforts shape this dynamic. Through a combination of quantitative and qualitative research methods, data were collected from employees across diverse roles and responsibilities within the organization. The analysis reveals a significant correlation between work-life balance and job satisfaction, underscoring that flexible work arrangements, supportive management, and clear work policies contribute to higher levels of satisfaction. Conversely, excessive workload and lack of personal time negatively impact employee morale and performance. The findings highlight the importance of tailored initiatives, such as wellness programs, hybrid work models, and employee engagement strategies, in fostering a conducive environment that balances professional demands with personal well-being. Practical implications of the study suggest that enhancing work-life balance not only boosts employee satisfaction but also leads to better retention, productivity, and organizational loyalty. By addressing gaps in current practices, ICICI Bank can leverage these insights to maintain its standing as an employer of choice in the competitive banking sector. The study concludes by emphasizing the critical role of proactive strategies in creating a sustainable work culture that benefits both employees and the organization.
A Study on Improvement in Achieving The Production Plan vs Actual of Machine Shop by Analysing The Overall Equipment Efficiency at Tata Advance System Limited Nagpur
Achieving alignment between planned production targets and actual output is a critical challenge in manufacturing industries. This study focuses on analysing production deviations in the machine shop at Tata Advanced Systems Limited, Nagpur, using Overall Equipment Efficiency (OEE) as a key performance metric. OEE is a widely used standard for evaluating machine shop performance, incorporating three primary components: availability, performance, and quality. A lower-than-expected OEE often results in production inefficiencies, impacting operational effectiveness and delivery schedules. The research identifies major factors contributing to production deviations, including unplanned machine downtime, reduced operating speed, and defective output. Using data-driven methods such as OEE calculations, Pareto analysis, and Root Cause Analysis (RCA), the study evaluates the impact of inefficiencies on production output. Findings indicate that machine downtime, operator inefficiencies, and material flow disruptions are significant contributors to performance gaps. To bridge these gaps, the study proposes key strategies such as predictive maintenance, workforce skill enhancement, process standardization, and real-time monitoring systems. Implementing these measures can optimize machine utilization, improve workforce efficiency, and ensure better alignment between planned and actual production targets. This research provides valuable insights for manufacturing managers and decision-makers seeking to improve production efficiency and machine shop performance. Future studies can explore AI-based predictive analytics and automation techniques to further enhance productivity and operational control. The findings of this study contribute to continuous improvement methodologies aimed at increasing overall manufacturing efficiency and competitiveness in the industry.
The Importance of Succession Planning in Talent Retention: Developing Future Leaders Within the Organization
Succession planning is a crucial strategy for maintaining business continuity and fostering sustainable growth by identifying and developing future leaders within an organization. This research paper explores how succession planning enhances talent retention, emphasizing the significance of structured leadership development programs in improving employee engagement, minimizing turnover, and ensuring organizational stability. By reviewing relevant literature and case studies, this paper outlines best practices for effective succession planning and offers recommendations for businesses seeking to establish a strong leadership pipeline.
A Study on Employability Skills of MBA Graduates – Nagpur City
Human skills play an important role in today’s dynamic global world of competition where the challenges are to be met at a faster pace. All MBA students should have the skill sets required to be employable. Enhancing employability skills has become a vital task for all universities and colleges and there have been constant changes in the curriculum of MBA as per the industry oriented so as to inculcate the skills set required for the students. Even though there is a huge gap between what industry needs and what is available in terms of skilled graduates. This paper focuses on identifying the various skill sets that an MBA graduate should have and to know their perception about these skill sets by which they are employable.
An Analytical study of Muthoot Finance on Gold Loan Scheme
This research paper examines the gold loan policies and financial services offered by Muthoot Finance, one of India's leading non-banking financial companies (NBFCs). The study assesses interest rates, market influence, customer satisfaction, and competitive comparisons. By analysing these factors, the paper provides insights into how Muthoot Finance has strengthened its position in the gold loan sector.
The Impact of Green Marketing on Consumer Purchasing Behavior in The Fashion Industry in India
Green marketing has taken root as a pivotal tactic for India's fashion sector, mirroring customers' increasing desires for sustainable and ethical ways of working. This examination investigates how eco-friendly branding, materials from nature that can be used again and again, and see-through practices sway the choices of city dwellers between 18 and 45 years old, with a focus on the sway of eco-labels, re-using clothes in innovative circles, and production done properly on aligning with what customers value. Some aspects are inspected closely to comprehend how well they fit with customer principles. The investigation exposes a substantial modification in preferences shifting towards manufacturers that prioritize ecological duty, compelled by heightened mindfulness, social responsibility, and administrative promotion for maintainability. The conclusions emphasize that customers are progressively ready to support manufacturers that incorporate green showcasing into their tasks, making openings for separation in the serious business sector. This examination underlines the job of natural showcasing in redesigning the Indian style scene, offering bits of knowledge for brands seeking to balance benefit with environmental care. Additionally, the investigation uncovers that while some shoppers are pulling in to brands with eco-accommodating activities, others stay hesitant since of inclusion of higher costs. The examination proposes makers ought to additionally center around unveiling natural activities to shoppers and showing how ventures add to a maintainable future.
Current Situation of Emerging Infectious Diseases and Their Global Significance
Emerging infectious diseases (EIDs) are new infectious diseases surfacing in human populations or already endemic diseases quickly expanding in incidence or geography (World Health Organization [WHO], 2023). EIDs may emerge due to the emergence of a new pathogen as a result of evolution, transmission of local pathogens to a new geographic region, or growing resistance against conventional therapies. EIDs cannot be rivaled in their importance because they have the potential to destabilize public health infrastructure, impact economies, and break the chain of global preparedness. In this essay, EIDs are defined, the high-threat pathogens are named, and an examination of the global globalized world of global health and the threat posed by these diseases is made.
Advancements and Challenges in Water Quality Classification Techniques: A Review
Evaluation of water quality is required for the management of water resources and protection of public health. With ever-increasing pollution due to climate change, it has become increasingly challenging to ensure real-time monitoring of the water environment quality. Sampling is necessary for manual water testing and is very time-consuming, was enabled with the setup of IoT sensors. Time-series data generated by the IoT sensors will be analyzed and classified in real-time using ML/DL-based techniques that can detect even the most subtle nuances in water quality parameters such as pH, dissolved oxygen, turbidity, and BOD. Besides anomaly detection and real-time decision support, these automated systems offer a set of additional features like predictive analytics that conventional methods could never provide. CPCB (India) and WHO provide regulatory standards that are followed as the water quality standards. Transfer Learning for data-poor areas, edge computing for real-time analytics, and blockchain for data integrity are some of the few high-level technology enablers on this front. One significant limitation today is the lack of data for water-quality studies besides the real sensor reliability and procedural irregularity over various geographical regions. Further transformations in water quality monitoring can be expected over the horizons of explainable AI and distributed IoT networks, enhancing the platform of its accuracy, transparency, and scalability for better management of global water resources at the end.
Mathematical Modeling on decay of radioactive material affects Cancer Treatment
In this paper we report the mathematical model on radioactive material Co- 60 decay over the period of time and the step by step decaying the material over the stipulated time, half-life period of Co-60 leads changes in the treatment time during radiotherapy cycle, potentially impacting treatment efficacy. Mechanisms on mathematical model help to understand the interfacial effect and the facial effect on patient body using nuclear disintegration process of material decaying during half-life period of C-60.
A Study on Impact of Mascots in Branding
A corporate brand encompasses a set of cognitive and physical characteristics as well as beliefs that are connected with its product offerings and services (Simoes, 2001). Seimiene (2012) asserts that demographic characteristics like sex, age, and social class are key components of brand personality. According to (Aaker, 1997), a brand's personality can also be determined by a variety of features, including the brand identity, logo, symbol, advertising styles, advertising budget, and marketing channels. Branding strategy is concerned with the selection of some characteristics of a product as fundamental values in order to channel the process by which customers confidently recall, recognize, and acknowledge these attributes (De Chernatony, 1998). According to Plummer (1985), 41 attractive (strong & likable) personalities help brands stand out from the competition and increase their appeal to consumers. The identity of a product can be established from these core values. Brands act as ambassadors to represent their respective companies. Consumers usually convert their ideas and beliefs (imagery, feelings, evaluations, and judgments) into their own perceptions about the identity of the brands. (Brown, 2010) has determined, based on his data statistics, that there is a direct correlation between the physiological and psychological distance of a spoke or brand character and its popularity. (Brown, 2010) shows that the most prominent brand characters carry a realistic approach and are portrayed as human beings – for instance, the Michelin Man, Captain Morgan, the Burger King, Uncle Ben, Aunt Jemima, Pillsbury doughboy, Ronald Mcdonald, Uncle Ben, and so on
Dr. Sumeet V Gaikwad Dr. Vishal V Gaikwad
Enhancing Sales Performance in Henan’s Media Industry through the Synergy of Digital Marketing and AI
This study examines how digital marketing and artificial intelligence (AI) can improve sales performance in the media industry of Henan Province, China. As the market undergoes rapid digital transformation, understanding the role of these technologies in driving sales is crucial for maintaining competitiveness. The research explores three main areas: the impact of digital marketing and AI on sales performance, employee perceptions of these technologies, and the interaction between digital marketing and AI in enhancing sales outcomes. Data was gathered from 240 participants using a structured questionnaire distributed via JotForm and popular Chinese social media platforms. The demographic analysis revealed that 74.2% of respondents were female, with 48.3% aged between 30-39 years. Various statistical methods, including normality tests, descriptive analysis, T-tests, and bivariate correlation, were applied to ensure the reliability and validity of the data. The normality test indicated well-distributed data, while descriptive analysis showed high mean scores, reflecting a strong understanding of the survey items. The T-test found no significant difference in the impact of digital marketing and AI on sales performance, suggesting equal contributions of both technologies. The bivariate correlation revealed a moderate positive relationship between digital marketing and AI, highlighting their complementary roles in boosting sales. A Cronbach’s Alpha value of 0.94 confirmed the high internal consistency of the data. The study concludes that integrating digital marketing and AI into a unified strategy is critical for media organizations to optimize their sales performance. It underscores the need for innovation and healthy competition within media networks to drive digital transformation. Future research should investigate the relationship between innovative marketing strategies and sales performance in non-Western contexts
Zhao Weiguang, Johar MGM, Ali Khatibi, Jacquline Tham, S. M. Ferdous Azam
The Impact of Physical Education on Academic Performance and Cognitive Development among Collegiate students
This article analyses the overall impact of physical education (PE) on the academic performance and cognitive development in collegiate students. Secondary qualitative data has been gathered to meet the primary aim of this study and thematic analysis was done to establish the findings. It is noted that PE improves cognitive processes that are controlled by the prefrontal cortex of the brain which results in improved academic performance through enhanced attention, decision-making skills, working memory, planning and scheduling of tasks. Moreover, PE helps reduce stress and anxiety level among students and enhances quality of sleep leading to better attention and energy among students. Having positive impact on insulin resistance, body mass control and metabolic rate, PE enhances cognitive development of collegiate students leading to improved academic performance.
Green HR Practices Integrate Global Culture Intelligence to Drive Productivity and Sustainability in the Corporate World
This study examines the intersection of Global Cultural Intelligence (GCQ) and Green Human Resource (HR) practices in corporations. It focuses on how their combined impact can enhance team coordination and productivity, leading to more sustainable business practices. The primary aim is to understand how integrating GCQ with Green HR strategies can amplify an organization's performance. This research paper gives HR professionals helpful insights on how to incorporate intelligent cultural practices to support sustainability in offices with a diverse workforce.This Research intends to address the growing need for blending cultural diversity and environmental sustainability in multinational enterprises. By testing the influence of cultural intelligence on the effectiveness of Green HR practices, the study aims to formulate a proposal for chasing on diversity to foster innovation, improve team cooperation, and achieve sustainability goals. The research puts into practice a mixed-methods approach, combining both quantitative survey and qualitative interviews. A comprehensive questionnaire was shared out to professionals from different corporate worlds, understanding their experiences and world views of GCQ and Green HR practices. The quantitative component analyzes the correlations between cultural intelligence, team performance, and sustainability metrics. The qualitative segment gathers in-depth insights on the challenges and best practices for integrating GCQ into Green HR strategies.Key findings indicate that high cultural intelligence among employees significantly enhances the adoption and success of Green HR initiatives. Teams with elevated GCQ demonstrate better collaboration, innovative problem-solving, and alignment with sustainability objectives. Moreover, the employees who have high cultural quotient are more engaged and committed to organizational goals. The study also highlights the vital role of HR in maintaining a company's culture that prioritizes inclusivity in diversity and sustainability.In conclusion, this research paper helps businesses sustainably enhance their overall operations in alignment with their Global Cultural Intelligence. It recommends incorporating GCQ-focused training into HR policies and designing frameworks that align cultural intelligence with environmental goals. Through this approach, companies can attain their Green goals and create strong and inclusive teams that work excellently across the world.
A Review on the Influence of Quick Commerce on Consumer Purchase Decisions and Satisfaction in Mumbai.
Quick commerce (Q-commerce) has emerged as a revolutionary model in e-commerce, addressing the growing consumer demand for speed and convenience in urban markets. This paper explores the influence of Q-commerce on consumer purchase decisions and satisfaction, with a focus on Mumbai. Through secondary research, key trends, such as the rising adoption of hyperlocal delivery models, the role of technology, and the demographic characteristics of Q commerce consumers, are analyzed. Additionally, the paper examines challenges faced by Q-commerce platforms, including logistical inefficiencies and consumer trust concerns. By highlighting the factors driving this sector's growth, this study offers valuable insights into its evolving landscape. The findings reveal that Q-commerce not only fulfills immediate needs but also redefines consumer expectations in a fast-paced digital economy, creating opportunities for sustainable growth in the retail sector
Anjali Nair, Atharv Joshi, Yash Thakare, Dr. Rajesh Nair
“The Changing Role of Corporate Social Responsibility in Non Governmental Organizations”
Corporate Social Responsibility (CSR) has traditionally been associated with businesses providing charitable funding to Non-Governmental Organizations (NGOs) to address social issues. However, the role of CSR in relation to NGOs has evolved considerably over the past few decades. NGOs have shifted from being passive recipients of CSR funding to active, strategic partners in designing and executing CSR initiatives. This paper explores the transformation of the role of CSR in NGOs, investigating the changing dynamics, key drivers, and benefits of this evolution. It further discusses how NGOs are contributing to more impactful, sustainable, and strategically aligned CSR programs that create shared value for both businesses and communities. CSR refers to the ethical practice where businesses integrate social, environmental, and economic concerns into their operations and interaction with stakeholders. It involves companies taking responsibility for the impact of their activities on society, beyond just making profits. The research is case study based on secondary sources of data
Ms. NeeshaRChhabria,Mrs. Divya Naresh Lalwani
ASSESSING THE IMPACT OF CREDIT ACCESS ON MSMES:A REVIEW OF ISSUES AND CHALLENGES IN THE CHEMICAL AND PHARMACEUTICAL SECTORS
MSMEs are vital to growth and innovation in the chemical and pharmaceutical industry because they are crucial for economic development, while the issue of credit constraints remains significant. This paper discusses some key factors that affect credit access namely, inadequate credit from institutions, high-security interests, and inadequate knowledge on how to access as well as maintain credit among MSMEs. Using case examples, the study demonstrates how credit can unlock growth for MSMEs necessary for increasing production rates, switching to sustainable technologies, and framing production in research. Such best cases show that credit access intervention has made a positive impact on the increase in revenues, better compliance with the environmental standards and competitiveness of products in the international markets. AI, blockchain or even green financing remain trends that still hold great potential for MSMEs. Technological productivities such as credit AI-driven credit assessment models and blockchain technologies increase transparency efficiency and the accessibility while the green financing mechanisms such as the green bonds ensure that the MSMEs align to sustainability. The result highlights the importance of policy integration between policymakers, financial institutions, and industry stakeholders about the original barriers encountered in credit delivery. Thus, this research calls for policy adjustments, ICT technology utilization, and interventions to fill the credit gap and support the sustainable development and financial stability of the chemical and pharmaceutical industries. In light of the above findings, the study provides practical implications toward innovation and competitiveness of MSMEs to enhance overall economic development.
Determinants of Perceived Risk in the Luxurious Used-Car Market of Hangzhou, China
This study investigates the factors influencing perceived risk in the luxurious used-car market in Hangzhou, China, an emerging market characterized by increasing consumer interest in luxury goods. Understanding perceived risk is crucial for marketers, manufacturers, and policymakers, as it directly impacts consumer purchasing behavior and decision-making. Through a comprehensive survey conducted among 456 participants, the research identifies key determinants of perceived risk, including perceived luxurious used-car consumption value (PUCV), social influence (SI), general life values (GLV), self-identity (SI), experiential value (EV), brand consciousness (BC), and brand love (BL). The analysis employs various statistical techniques, including descriptive statistics and Structural Equation Modeling (SEM), to evaluate the relationships between these variables and their effect on perceived risk. Findings reveal that all proposed hypotheses are supported, indicating significant relationships between the psychological and social factors examined and perceived risk. Notably, higher consumption value and brand consciousness correlate with increased perceived risk, highlighting how consumers' perceptions of luxury and brand status can shape their purchase intentions. Additionally, the study underscores the importance of self-identity and experiential value, as consumers seek products that reflect their aspirations and enhance their ownership experience. These insights provide valuable implications for marketers looking to tailor their strategies to address consumer concerns in the luxury used-car market. Furthermore, the findings inform policymakers about the significance of fostering a supportive environment for local manufacturers, ultimately contributing to economic growth in the luxury automotive sector. The study contributes to the existing literature on consumer behaviour in luxury markets and offers practical recommendations for engaging affluent consumers effectively. Future research is encouraged to explore longitudinal changes in consumer perceptions and to apply the proposed model in other contexts, enhancing the understanding of luxury consumption dynamics across different cultures.
Chen Yu Hao, Ali Khatibi, Jacquline Tham, S. M. Ferdous Azam
RHETORIC OF LOSS: NECROPOLITICS AND POETIC WITNESS IN THE POETRY OF ROBIN NGANGOM
This article examines the poetics of Robin S. Ngangom through the lens of necropolitics, engaging with Achille Mbembe’s theory to explore how death, marginalization, and state-sanctioned violence are rendered into poetic testimony. Situating Northeast India as a necropolitical frontier where sovereignty is exercised not through rights but through abandonment, the study foregrounds how poetry becomes a vehicle for resistance, memory, and ethical witnessing. The article argues that these poets develop a “rhetoric of loss” that subverts nationalist myths, implicates both the centre and the periphery in cycles of violence, and constructs an alternative archive of suffering. Through close readings of key poems, this paper reveals how poetic language offers a counter-narrative to the silences imposed by militarization and postcolonial statecraft. Ultimately, the work situates Northeastern poetry not as marginal but as central to understanding the affective and political landscapes of contemporary India
The Interplay of Psychological and Cultural Factors in Consumer Decision-Making for Branded Apparel
This study examines how psychological and cultural elements shape consumer decisions when purchasing branded clothing. It explores the roles of self-expression, social dynamics, perceived quality, and cultural values in influencing brand preferences within a competitive fashion landscape. A descriptive research design was employed, gathering primary data through a structured questionnaire administered to 77 respondents selected via stratified random sampling. Data analysis was performed using SPSS, incorporating descriptive statistics, Chi-Square tests, One Way ANOVA, and linear regression. Findings indicate that branded apparel is frequently used as a means of self-expression and social signalling. While psychological motivators such as self-identity play a key role, quantitative results were mixed: a Chi-Square test suggested a link between social pressure and trend-following, though data limitations temper this finding. ANOVA results revealed no significant variation in how social status drives trend adoption across groups. Regression analysis showed that income is not a strong predictor of luxury brand preference in this sample. This research offers a current perspective on the attitudes of young Indian consumers, underscoring that while traditional factors like income have limited influence, intangible elements such as brand narrative, perceived quality, and digital engagement are crucial. The study provides actionable insights to help apparel brands refine their marketing approaches, boost customer interaction, and foster loyalty in a digitally evolving marketplace.
Mr. M. Rajesh, Assistant Professor, Dr. M. Vidya, Associate Professor
Women and the Web: A Comparative Study of Socio-Cultural and Digital Infrastructural Barriers
Despite rapid advancements in digital technology across India, a significant gendered digital divide persists, particularly in rural and semi-urban regions such as Haridwar, Uttarakhand. This research explores the multifaceted barriers hindering women’s digital empowerment, drawing on nationally representative datasets (NFHS-5, NSSO, GSMA), district-level statistics, and grounded case studies. The study reveals that women's access to digital resources is shaped not only by infrastructural limitations such as poor internet connectivity, low smartphone penetration, and inadequate public digital facilities but also by entrenched socio-cultural norms including patriarchal restrictions, educational disparities, and safety concerns.Quantitative findings show stark gaps: in rural Uttarakhand, only 30.1% of women aged 15–49 use the internet, compared to 55.4% of men, with merely 44.8% of Haridwar's rural women owning a mobile phone. Educational background strongly correlates with digital access women with higher secondary education are three times more likely to use the internet than those with no formal education. Case studies from Haridwar villages further highlight real-life stories of women constrained by gender roles and limited digital exposure. The paper underscores the urgent need for gender-sensitive policy interventions, localized digital literacy programs, improved infrastructure, and community-based awareness campaigns. Addressing these barriers is essential for enabling women’s participation in education, employment, and governance in the digital era. Ultimately, digital inclusion must go hand-in-hand with social inclusion to achieve equitable development.
Exploring Business Model Innovations: A Secondary Analysis of Cloud Kitchens
In-depth analysis of cloud kitchens' creative business models is provided in this secondary research report, which also highlights their approaches to marketing success and operational distinction. Through a review of previous research, industry publications, and case studies, this paper investigates the strategies cloud kitchens use to adjust to and prosper in the cutthroat food service market. Revenue sources, collaboration strategies, technology integration, and consumer engagement activities are important areas of research. The goal of the research is to get an understanding of the dynamic nature of business model innovation in the cloud kitchen industry by thoroughly examining these variables.
Dr. Megha K Juvekar, Ms. Ridhisha Rohan Tarkari
Unified Payment Interface (UPI) and the Digital Banking Revolution: Opportunities and Challenges
The Unified Payments Interface (UPI) has emerged as a cornerstone of India’s digital banking revolution, transforming financial transactions and reshaping the country’s economic landscape. Since its introduction in 2016, UPI has evolved into one of the most widely adopted real-time payment systems globally, facilitating billions of monthly transactions across peer-to-peer and person-to-merchant channels. This study examines the role of UPI in driving digital financial transformation by analyzing its opportunities, challenges, and future prospects. The findings indicate that UPI has created substantial opportunities for financial inclusion, enabling millions in rural and underserved areas to access banking services, often for the first time. Its user-friendly design—based on mobile numbers and QR codes has simplified transactions for diverse demographics, while its cost-effectiveness has encouraged both consumers and small businesses to adopt digital payments on a large scale. At the same time, the study highlights significant challenges that threaten to limit UPI’s long-term sustainability. These include persistent gaps in digital literacy, cybersecurity risks that undermine user trust, and infrastructural limitations in rural regions that restrict accessibility. The discussion further explores UPI’s future prospects, noting its potential to integrate with emerging technologies, expand into credit and remittance services, and serve as a model for other developing economies. Overall, UPI demonstrates how digital public infrastructure can democratize finance, strengthen transparency, and reduce cash dependency, while also underscoring the importance of addressing security, literacy, and infrastructural barriers. The study concludes that UPI’s continued success depends on innovation, regulatory support, and inclusive strategies to ensure equitable adoption across all sections of society.
Rakhi Sharma, Sachin Kurade, Kumari Deepa Rani, Brajesh Kumar
Capacity, Velocity, Duration and Transfer Points on Strategic Drivers of Multi-Modal Transportation Efficiency
This study investigates the strategic drivers of multimodal transportation efficiency- Capacity, Velocity, Duration, and Transfer Points (CVDT) within the framework of India’s PM Gati Shakti National Master Plan for Multimodal Connectivity. Multimodal transportation has emerged as a critical enabler of economic growth, sustainable mobility, and global trade competitiveness. However, efficiency within these systems is not merely an infrastructural challenge but a complex interplay of operational, digital, and policy-driven factors. Drawing from an extensive review of literature and empirical evidence from government reports, this paper examines how each driver shapes logistics outcomes, identifies their interdependencies, and highlights complementarities and trade-offs. The study finds that capacity expansion in isolation yields limited results unless matched with improved transfer points, while gains in velocity and duration are contingent upon synchronized infrastructure and digital integration. PM Gati Shakti addresses these challenges through coordinated investments in dedicated freight corridors, multimodal logistics parks, port modernization, and digital platforms like the Unified Logistics Interface Platform (ULIP). The findings underscore that the CVDT framework provides a holistic lens for understanding multimodal performance and clarifies where efficiency gains can be maximized through integrated strategies. Policy implications include the need for balanced capacity planning, smart transfer point development, and institutional coordination to align efficiency with sustainability and economic objectives. The paper contributes by offering a CVDT-centric analytical framework that situates multimodal efficiency within India’s developmental trajectory toward reducing logistics costs, enhancing resilience, and achieving the vision of a globally competitive logistics ecosystem.
Artificial Intelligence in Banking and Financial Services: A Study of AI Applications and Consumer Response in SBI Bank
The revolutionary effects of AI on the banking and financial services industries are the subject of this research, which primarily examines State Bank of India (SBI). This study shows how artificial intelligence (AI) applications like chatbots, predictive analytics, and risk assessment tools improve operational efficiency and consumer experience. In addition, it delves into client reactions to AI integration, shedding light on customer happiness, confidence in automated services, and overall impressions. According to the results, in order for banks to fully take use of AI's capabilities in the banking industry, they need to allay customers' fears about data security and privacy.
An Study On Purchase Of Car By Digital Marketing With Reference To Chennai
Digital marketing is the paramount importance for buying dream cars in online now a days. More number of Digital marketing tools are available for each business to choose from based on their preference. In the current scenario digital marketing tools are at the apex of marketing, which is a deconstruction of the traditional marketing tools. This plays a good interface between the marketers and the consumers. A systematic and strategic use of digital marketing tools is a compliment to attain competitive advantage for a business. This study is an earnest effort to investigate the choice of appropriate digital marketing Digital Marketingtools that would create brand awareness among prospective consumers. The study adopted Delphi Method to understand the impact of digital marketing Digital Marketingtool and brand awareness. Interviews with panel participants gave insights indicating that the paid digital content having a greater impact than the proactive content.
A Study On Consumer Perception Towards Medical Insurance Policy With Special Reference To Chennai City
The saying “Health is Wealth” carries a profound truth, but in today’s world, having enough financial resources is essential for maintaining good health. Healthcare costs are rising rapidly, and the occurrence of various diseases has increased significantly. This emphasizes the importance of health insurance to protect against unexpected medical expenses. The COVID–19 pandemic has raised awareness about health insurance, prompting initiatives from both Central and State governments, such as the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPM-JAY) and the Chief Minister’s Comprehensive Health Insurance Scheme. However, despite these efforts, many people, including those living in urban areas like Chennai, remain unaware of the importance of health insurance and the policies available to them. This study aims to assess the level of awareness and perception of medical insurance policies among residents of Chennai. Data was collected through a well-designed questionnaire to evaluate awareness levels, sources of information, factors influencing the decision to purchase Mediclaim policies, and barriers preventing people from accessing health insurance services. The results reveal a significant awareness gap, particularly among economically underprivileged communities. This study recommends that insurers take measures to educate the public about the importance of health insurance.
A Study On Consumer Attitude Towards Affiliate Marketing In E-Commerce Platforms
E- Commerce is the modern, global, and highly convenient way for people to buy and sell things, from a handcrafted mug made by a small artisan to the latest smartphone from a tech giant. E-commerce is the friendly evolution of buying and selling. This is a global marketplace that makes shopping accessible, efficient, and personal, bringing the world's products and services directly to our fingertips. Affiliate marketing in e-commerce is a partnership where online stores pay a commission to individuals or websites for driving sales through a unique referral link. The topic is a low-risk, performance-based strategy that leverages trusted voices to expand a brand's reach and audience. This study investigates consumer attitudes towards affiliate marketing in e-commerce platforms, with a particular focus on post-purchase behaviour. Data was collected from 100 respondents in Chennai city through a structured questionnaire using convenience sampling methods. Analytical tools such as Friedman Test, Chi-square, t-test, and One-way ANOVA were used. Results indicate that Amazon is the most preferred e-commerce platform, while convenience and time-saving are the strongest motivators for using affiliate marketing. Educational qualifications significantly influence post-purchase behaviour, though factors like age and income show no such relationship. Moreover, consumer trust in affiliate links remains largely independent of educational background, while attitudes significantly differ based on gender and marital status. The findings highlight the critical role of credibility, ease of use, and demographic variations in shaping consumer engagement and behaviour toward affiliate marketing in e-commerce.
INFLUENCER’s MARKETING AND ITS EFFECT ON PURCHASE INTENTION
The use of influencers as a marketing strategy has arisen as an effective method for brands to communicate and interact with the customers they are trying to reach in this digital era. Due to the perception that they are genuine and the high level of engagement they have with their followers, social media influencers have a significant impact on consumer behavior (Freberg et al., 2011; Lou & Yuan, 2019). In this article, we examine the ways in which influencer marketing affects the purchasing intentions of consumers. As part of this analysis, we will explore the many approaches that influencers use to establish trust, increase engagement, and influence purchasing decisions (Djafarova & Rushworth, 2017). Organizations are able to tailor their marketing tactics in order to efficiently transform followers into consumers if they have an understanding of this relationship (Casaló et al., 2020). This research is being conducted in Chennai in order to determine the extent to which influencer marketing affects consumers' intentions to buy products. The study, which is descriptive in nature, gathered a sample of 155 respondents who are actively involved with social media in Chennai. The questionnaire is used as the tool for gathering data, and a convenience sample method was used to select the people who would reply (Creswell & Creswell, 2018). The statistical methods that were used in this investigation were multiple regression analysis and one-way ANOVA. The dependability of the study was confirmed at 83.9% by Cronbach's alpha, which had a value of 0.834 (George & Mallery, 2019). Data analysis is performed using SPSS version 25. The results of the study indicate that customers' intents to make a purchase are significantly impacted by reach, engagement metrics, and relevance, with reach having the most significant impact. This highlights the importance of an influencer's exposure and the size of their audience (Jin et al., 2019). On the other hand, the credibility of the influencer and the style of content do not have a statistically significant impact on purchase intention in this scenario. Furthermore, age and occupation have a significant impact on influencer marketing, with younger respondents, especially students, being more vulnerable to its impacts (De Veirman et al., 2017).
THE IMPACT OF FINANCIAL LITERACY ON FINANCIAL WELLBEING IN MUTUAL FUND INVESTMENT
The concept of financial literacy refers to the ability to comprehend and navigate the functional benefits of money. Strong financial literacy enhances an individual's drives, approaches and perception of different savings schemes, choices, opportunities, avenues, competencies, and investment preferences. Investment is functionalized with the objective of enriching return outcomes, whether in the limited period or the extended period. This research seeks to examine the financial literacy of mutual fund investors and the influence of financial literacy on their financial well-being in relation to mutual fund investments. A total of 136 respondents who invested in mutual funds in Chennai were selected for this study. The convenience sampling technique, which is a non-probability sampling method, was utilised to select the samples. The questionnaire serves as a tool for the study. The statistical tools employed to achieve the objectives include descriptive statistics and multiple regression analysis. Cronbach’s alpha serves as a metric for assessing reliability and it is found as 83.7%. The data has been analysed using SPSS v25. The results show that mutual fund investors have a satisfactory level of financial literacy. It can be concluded that investors consistently prioritise the security of their capital when engaging in mutual fund investments. However, the investors acknowledged that they typically do not analyze and evaluate the tendencies of all financial products before investing in mutual funds, and they do not redeem their capital gain and component once they achieve their financial goals. The findings indicate that financial knowledge, behavior, and attitude positively influence the financial well-being of mutual fund investors. It is observed that the financial attitude, along with financial knowledge regarding mutual fund investments, has a greater predictive value for financial wellbeing.
CUSTOMER RELATIONSHIP MANAGEMENT PRACTICES IN NEW GENERATION BANKS: AN EMPIRICAL STUDY AMONG RESPONDENTS IN CHENNAI
In an era marked by rapid digitalization and heightened customer expectations, customer relationship management (CRM) has evolved as a critical strategic tool in the banking sector. This study explores the CRM practices adopted by new generation banks in Chennai, focusing on how these banks leverage digital platforms and data-driven strategies to build and maintain customer relationships. The research examines various CRM dimensions such as customer engagement, service quality, personalisation, and the adoption of Electronic Customer Relationship Management (e-CRM) technologies. Using primary data collected from banking customers in Chennai, the study evaluates the impact of CRM practices on customer satisfaction, retention, and loyalty. The findings highlight that new-generation banks, through the integration of advanced CRM tools, are better positioned to respond to dynamic market demands and enhance customer-centric services. The research offers practical implications for banking professionals seeking to refine their CRM strategies and achieve a competitive advantage in urban markets.
FACTORS INFLUENCING POST PURCHASE BEHAVIOUR OF ELECTRIC VEHICLES IN CHENNAI
This study explored the consumer perception of the postpurchase experience among electric vehicle owners. With the increasing popularity of electric vehicles in India, it is crucial to understand how consumers perceive various aspects of their purchase and ownership journey. The research focused on Post purchase behavior of electric vehicles. This study focuses on identifying the factors that influence the post purchase behaviour of consumers using electric vehicles in Chennai. A sample of 106 respondents using electric vehicles in Chennai were selected for the study and this study falls under descriptive type. Questionnaire, the study instrument is used to collect the data. Convenience sampling method is used to select the respondents for the study. Exploratory Factor Analysis and One way ANOVA are he statistical tools used. Chronbach’s alpha is used to find the reliability of the study. SPSS v25 is used to perform the data analysis. Reliability of this study is found as 0.839 (83.9%). Comfort, Driving, Energy, Design, Safety, Charging convenience and Information exchange are the factors that influence the Post purchase behavior towards e-vehicle. It is observed that comfortable driving, vehicle running performance in straight roads is good, calculation of driven distance, good exterior/interior look of the vehicle, vision and lighting functions, time consumption for re-charging is normal and proper working of navigation system provided in the system are the key aspects of Post purchase behavior towards e-vehicles. Significant influence of age, occupation, income per month and experience in e-vehicle driving on post purchase behaviour are observed.
IMPACT OF ANTECEDENT FACTORS ON ORGANISATIONAL CITIZENSHIP BEHAVIOUR IN IT FIRMS
This study discusses the influence of diverse antecedent factors on organisational citizenship behaviour (OCB) is the essential constructs for improving organisational performance and sustainability. The study examines four categories of antecedent factors: Individual Level Characteristics, HR-Related Practices, Dyadic Level Relationships and Organisational Embeddedness. This study offers a comprehensive understanding of the multilevel factors that affect employee conduct and emotional attachment to the organisation, elucidating what motivates employees to exceed formal position standards and maintain long-term commitment. The study demonstrates that highquality leader-member interactions, robust cultural alignment, and supporting HR systems significantly improve organisational citizenship behaviour, based on theoretical frameworks and actual data. The study enhances the previous literature by synthesising many antecedent factors and emphasising their combined impact on essential organisational outcomes. The study’s main focus is to identify the impact of Antecedent factors on Organisational Citizenship Behaviour. 150 employees working in IT industry were included in this study and Convenience sampling technique was adopted to select the respondents. Multiple Regression Analysis and one - way ANOVA are the statistical tools used to fulfil the objectives. SPSS v25 is used to analyse the data. The overall reliability of the study is 0.826 (82.6%). Through results it is noted that Organisational Citizenship Behaviour is influenced by Individual level factors, Human Resource level factors, Dyadic level factors and Organisational Embeddedness. Further it is identified that Organisational Citizenship Behaviour is more influenced by Organisational Embeddedness followed by Individual level factors and Human Resource level factors. Significant influence of age, designation, work experience and annual income on Organisational Citizenship Behaviour are observed.
Synergistic Role of Sensors, IoT and AI in Optimizing Wireless Communication for Smart Infrastructure
The integration of sensors, the Internet of Things (IoT), and Artificial Intelligence (AI) has emerged as a transformative force in the optimization of wireless communication for smart infrastructure. Rapid urbanization, increasing energy demands, the growth of intelligent transportation, and the expansion of healthcare and industrial automation necessitate communication systems that are not only fast and reliable but also adaptive and intelligent. This study investigates the synergistic role of these three technological pillars in creating efficient, scalable, and real-time infrastructures that align with the vision of sustainability, resilience, and inclusivity. Drawing on a comprehensive review of existing literature, the paper explores how sensors function as the foundational data layer, IoT as the connectivity framework, and AI as the decision making engine. Their integration creates wireless communication ecosystems capable of real-time monitoring, predictive analytics, and autonomous control. Sector-specific applications in smart cities, energy systems, healthcare, and transportation highlight how this synergy enhances operational efficiency, improves service delivery, and strengthens resilience against disruptions. Emerging trends such as 6G networks, Integrated Sensing and Communication (ISAC), edge/fog computing, and explainable AI are discussed as future enablers of more adaptive and sustainable infrastructures. The study also identifies persistent challenges including interoperability, data security, latency, and ethical concerns that may hinder large scale deployment. It proposes strategic frameworks emphasizing technical standardization, privacy-by-design, resilient architectures, and ethical governance to ensure responsible integration. The findings underscore that the optimization of wireless communication is not merely a technological imperative but also a societal necessity, contributing to global goals of sustainable development and equitable digital transformation.
Nitesh Kumar, Shankar Guddad, Ambika S, Vipin Bihari Srivastava