{"title":"An Empirical Examination of Perceived Risk in Mobile-Banking","authors":"K. Srivastava, Manoj Kumar","doi":"10.21567/adhyayan.v7i02.10762","DOIUrl":"https://doi.org/10.21567/adhyayan.v7i02.10762","url":null,"abstract":"Financial institution that offered mobile applications to the consumers should give attention to the perceived risk factors of Mobile Banking adoption in order to retain existing customers as well as attract new consumers. The study suggests that banks should build an application with features to facilitate users’ assessment of Mobile Banking services and thus minimize the perceived risk and maximize the perceived ease of Mobile Banking services. The impact of risk and trust on Mobile Banking adoption has also been examined and shown to be significant to Mobile Banking adoption in the context in India. This study is based on the Descriptive research, where valid responses are collected from the respondent by filling questionnaire. Keeping the TAM proposed by Davis as a theoretical basis, an extended TAM incorporating security and privacy related issues for Mobile Banking adoption is conceptualized. The paper reveals that perceived risk has a negative impact on behavioural intention of Mobile Banking adoption and trust has a negative impact on perceived risk. A well-designed mobile application was also found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding Mobile Banking usage. The purpose of this paper is to examine the effect of perceived risk on Mobile Banking user adoption.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"322 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134184202","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Improving Health Care Services In India: Public-Private Partnership is the Way Out","authors":"Debabrata Jana, A. Sinha","doi":"10.21567/ADHYAYAN.V7I02.10763","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I02.10763","url":null,"abstract":"A Public-Private Partnership (PPP) is a government service or private business venture which is funded and operated through a partnership of government and one or more private sector companies. Public-Private Partnerships and Collaboration (PPPs and PPC) in the Health Sector is important and timely in light of the challenges the public sector is facing in healthcare finance, management, and provision. PPPs and PPC in the health sector can take a variety of forms with differing degrees of public and private sector responsibility and risk but are characterized by various similarities as well. In our country, with regard to health care, the main responsibility is that of the state which aims to provide free access to health care system to all sections of the society. But a look at the health infrastructure of our country shows that in rural areas, in particular, there is insufficient infrastructure, be it hospitals, primary health care systems, ambulances etc. Hence, the urgent need of the government is to immediately take measures that will help to develop a basis to provide the needed medical support to all. Although the private sector is inequitable and expensive with over-application of clinical/operational procedures, it is perceived to be easily accessible, better managed and more efficient than its public counterpart. It is expected that PPP model in the sector will prove the success story of Indian health care system.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122273598","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Balancing Corporate Governance with Corporate Social Responsibility","authors":"Pinky Agarwal, Sankalp Srivastava","doi":"10.21567/adhyayan.v7i02.10760","DOIUrl":"https://doi.org/10.21567/adhyayan.v7i02.10760","url":null,"abstract":"Corporate Governance can be defined as a set of rules and regulations which are required for effective governance of any corporate organization. The effective and transparent corporate governance is becoming increasingly important now. As per the provisions of Companies Act, 2013, corporate are required to spend a stipulated amount of their profits on social activities as Corporate Social Responsibility (CSR). \u0000\u0000In order to adapt to the prevailing business practices, a path driven by the ethical norms and sound accountability needs to be taken in the form of good Corporate Governance and CSR. It can be said that today, both Corporate Governance and CSR focus on ethical practices in business and the responsiveness of an organization to its stakeholders and the environment in which it operates.\u0000\u0000This paper is an attempt to strike a balance between good corporate governance and CSR thereby having a tradeoff between social welfare and profit maximization. Further, the research does not take into account the CSR practices of private organizations and is limited to the public organizations only. This adds to the gap in research and hence a suitable scope for further research.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"71 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115548773","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Correlation Between Banks Corporate Social Responsibility And Profitability: A Study of UAE, Bangladesh and India","authors":"Sonia Singh, S. Barghouthi","doi":"10.21567/ADHYAYAN.V7I02.10755","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I02.10755","url":null,"abstract":"The purpose of the study was to correlate bank investments into Corporate Social Responsibility (CSR) initiatives with the financial performance of profitability measured as Return on Assets (RAO) or Return on Equity (ROE). The selected bank from UAE was Abu Dhabi Commercial Bank (ADCB). From Bangladesh, the selected Public Commercial Banks were Dutch-Bangla Bank Ltd. (DBBL) and Islami Bank Bangladesh Ltd (IBBL) and selected State-Owned Banks are Janata Bank Ltd (JBL) and Rupali Bank Ltd. (RBL). From India, the selected banks were ICICI and Axis. The study methodology was KLD Research Analytics and Correlation Coefficient of the Year on Year (YoY) change of the CSR versus profits. There were result outcomes across all these tests. The YoY comparison for ADCB from UAE shows a negative coefficient but strengthening the correlation between CSR and profitability over the five year period. The YoY comparison of ICICI for CSR % to profitability impact had weak correlation and fluctuating coefficient. The YoY comparison for Axis bank showed that the correlation between CSR expenditure and profit is largely positive and the coefficient is also significant. The comparison for PCBs DBBL and IBBL revealed that there was a positive correlation with the profitability, but the YoY CSR% to profitability change shows a weak coefficient. The comparison between the State-Owned Banks JBL and RBL shows that the YoY comparison of CSR% to profitability has a weak correlation but insignificant coefficient. In conclusion, banks should undertake ethical CSR when pursuing profitability.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121650124","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Commute Factors Analysis; A Scare of Employeesin Indian Suburban railway","authors":"Anand Kumar Gupta, A. Agrawal, Pawan Singh","doi":"10.21567/ADHYAYAN.V7I02.10754","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I02.10754","url":null,"abstract":"This research paper is an inquiry of hurdles that commuters of Indian railways face every day, and attempts to diagnose the relationships between the employee commute and its impact on employee wellbeing. This article also aims to create awareness about the problems of commute and its insight solution for the commuting experience of employees. Either pleasant or not; consequences of the commuting is discussed with a focus on employee satisfaction and withdrawal behavior. Now a days whole Indian railway sector of transport is reporting structural changes to create an atmospheric up gradation and modernization to conventional transport mode. The data collected through a sample survey of 540 regular movers through Indian railway commuters employed in a number of organizations in NCR Region, gone through the train-Dart experienced which is responsible for creating highest levels of a negative outcome on reaching their workplace. So this research attempts to discuss crowding factors affecting commuters well-being and to envisage its operations for regular employees who commute for their job purposes through (IR) Indian railway.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125620752","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"AN EMPIRICAL ANALYSIS OF ENTREPRENEURIAL INTENTION AMONGST STUDENTS IN UTTAR PRADESH","authors":"Anu Kohli, Neha Tiwari","doi":"10.21567/ADHYAYAN.V7I02.10757","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I02.10757","url":null,"abstract":"This research paper analyses factors that impact entrepreneurial intention among graduate and postgraduate students enrolled in professional courses at government and private institutes in the state of Uttar Pradesh. The objective of this study is to analyze whether the student’s academic background, demographic profile and family background impact various factors that affect entrepreneurial intention. The study was conducted during 2015-16 on a sample of 460 student respondents across various cities of Uttar Pradesh.The results of the analysis indicate that students of male gender, belonging to higher income, in older age groups, having work experience, enrolled in government institutes, belonging to business background and enrolled at postgraduate level are more likely to consider entrepreneurship as a more attractive career option, perceive that it is easier to start and do business, have more positive perception about family and societal support they receive in entrepreneurial career choice, are more open to risks and are more confident about their entrepreneurial skills and knowledge . The students having work experience, enrolled in government institutes, and belonging to business background are more likely to find availability of capital as a constraint in entrepreneurial career. The students belonging to older age groups, having work experience and enrolled in government institutes are more likely to consider availability of land/premise and resources as a constraint in entrepreneurial choice. The findings of this study will be instrumental in understanding and in designing policy imperatives for promoting entrepreneurship in the state.Key Words: Entrepreneurial intention, Students, Demographic factors, Family background, Educational background.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122506033","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"A Study on the Impact of Employee Training and Stimulus on Business Recital with Indication to Public and Private Banks of India","authors":"Khalid Syeed Uddin","doi":"10.21567/adhyayan.v7i02.10765","DOIUrl":"https://doi.org/10.21567/adhyayan.v7i02.10765","url":null,"abstract":"Financial institution that offered mobile applications to the consumers should give attention to the perceived risk factors of Mobile Banking adoption in order to retain existing customers as well as attract new consumers. The study suggests that banks should build an application with features to facilitate users’ assessment of Mobile Banking services and thus minimize the perceived risk and maximize the perceived ease of Mobile Banking services. The impact of risk and trust on Mobile Banking adoption has also been examined and shown to be significant to Mobile Banking adoption in the context in India. This study is based on the Descriptive research, where valid responses are collected from the respondent by filling questionnaire. Keeping the TAM proposed by Davis as a theoretical basis, an extended TAM incorporating security and privacy related issues for Mobile Banking adoption is conceptualized. The paper reveals that perceived risk has a negative impact on behavioural intention of Mobile Banking adoption and trust has a negative impact on perceived risk. A well-designed mobile application was also found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding Mobile Banking usage. The purpose of this paper is to examine the effect of perceived risk on Mobile Banking user adoption.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127642407","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Green Practices, Standards and Conformity Issues in the Indian Food Processing Industry","authors":"S. Azhar, F. M. Khan, A. Gupta","doi":"10.21567/ADHYAYAN.V7I02.10761","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I02.10761","url":null,"abstract":"The food processing industry of India is significantly affected by the substandard quality issues. Insufficient focus on safety and quality standards has affected export of processed food products and also resulted in low competitive advantage in the global market. Even in the domestic market due to increased awareness, people demand secure, non-toxic and pesticide-free products. The paper reviews literature related to food standards and aims to comprehend food safety regulations existing in India along with the present state of preparedness of the food industry to comply with the international standards. The policy measures to be undertaken to this effect are also examined. Promotional activities like credible labelling and certifications are essential to popularize the safety attribute of processed food products and up-gradation of Agmark standards to Codex Alimentarius requirements by the Indian government are necessary to ensure high quality of food products. One of the main precautionary methods for food safety concern is effective implantation of traceability. In order to improve food traceability system and increase the business performance of food industry, management should focus on regulatory framework, food safety, food quality, and certification. The suggestions presented if implemented efficiently would assist in growth of the Indian agro industry, both at the domestic and global level.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124078217","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Studying the impact of perceived corporate reputation on commitment and loyalty headed for customer citizenship behaviours in Telecom companies","authors":"Jyoti Joshi, Anushree Singh","doi":"10.21567/adhyayan.v7i02.10764","DOIUrl":"https://doi.org/10.21567/adhyayan.v7i02.10764","url":null,"abstract":"The purpose of this study is to investigate the impact of perceived corporate reputation on two dimensions of customer citizenship behaviours including helping the company and helping other customers. The sample (n=380) was telecom customers in India. Structural equation model was used to test six hypotheses. The findings show that telecom provider’s reputation through customer commitment and loyalty has significant impact on customer discretionary behaviours. Investigating other aspects of commitment and loyalty as mediator variables and doing this research in other industry (B2B or B2C) can be considered in future studies. Telecom managers should do all possible actions in his power to build positive perception about telecom corporate in the eyes of customers and society. Loyalty building programs should also be conducted regularly.","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126604779","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Role of Gender and Business Ethics Education in Ethical Judgment of Post Graduate Students","authors":"Pankaj Jain","doi":"10.21567/ADHYAYAN.V7I1.8103","DOIUrl":"https://doi.org/10.21567/ADHYAYAN.V7I1.8103","url":null,"abstract":"","PeriodicalId":228193,"journal":{"name":"Adhyayan: A Journal of Management Sciences","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2017-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122590420","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}