ComFin Research最新文献

{"title":"Women Participation in Microcredit Service to Improve Families Livelihood: The Case of Sodo Zuria District, Wolaita Zone, Southern Ethiopia","authors":"Tekele Petros Ganebo, S. Nakkiran, Teklu Tesfaye Chamato, M. Senapathy","doi":"10.34293/COMMERCE.V9I3.4150","DOIUrl":"https://doi.org/10.34293/COMMERCE.V9I3.4150","url":null,"abstract":"Even though microfinance institutions have their principles and guidelines that have room for before women and working to improve their families’ lives, women participation is not significant in all of the microfinance services and their activities. The situation is also similar in the study area. The study’s objectives were to assess the extent and status of women participation in Microcredit, determine factors that affect women participation in microcredit service to improve livelihood and assess the constraints that hinder women’s participation in microcredit service from enhancing their livelihood. The total number of rural women microcredit users in Omo and Vision Microfinance was 2331; from this 100 sample, respondents were selected using Yemane (1967)formula and based on PPS through a simple random sampling method. The extent and status of women participation in microcredit service have been measured by calculating the score value of the participation index. The participation status of women has been categorized into low, medium and high, which are 38, 20 and 38 respondents, respectively. Mean difference, percentage, oneway ANOVA, spearman correlation and chi-square test were used with an ordered logit model to analyze the data. Out of 17 hypothesized variables, 7 of them, namely, age, Family income, Livestock holding size, household expenditure, the experience of borrower, achievement motivation and attitudinal level, are significant to the dependent variable. According to the respondents’ econometric analysis age, the respondents negatively influence the level of participation, and itis significant. It is better to consider the mean age between 37, which is the medium age group. Therefore, policy-makers, actors, MFI industries/institutions, and planners should develop a positive attitude and motivational achievement through training and awareness creation programs to promote women’s equal opportunities control over their household economic resources.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116453746","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 Individuals Perception towards Development of Digital Economy during Covid-19 Pandemic","authors":"K. Srinivasan, J. Duraichamy","doi":"10.34293/COMMERCE.V9I3.4124","DOIUrl":"https://doi.org/10.34293/COMMERCE.V9I3.4124","url":null,"abstract":"Developing country like India is facing major economical drawback because of out break of Covid-19 and it causes adverse effect on various sector like manufacturing auto, retail aviation and hospitality due to lock downs and migration of labours, on other side COVID-19 outbreak has helped India to achieve digitalization mission. In this study has been taken to know the positive impact of COVID-19 in development of digital economy in Tamilnadu. Objective of this study is to know the individual’s perception towards increased usage of digital transactions on during COVID-19 pandemic and its impact on socio economic profile. 148 samples were collected with the help of questionnaire. SPSS package has been used to derive statistical inferences.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114679999","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 Significance of Competence of Services Provider in Knowledge- Based Service Marketing","authors":"P. Ponraj, T. Ramprasad","doi":"10.34293/COMMERCE.V9I3.4125","DOIUrl":"https://doi.org/10.34293/COMMERCE.V9I3.4125","url":null,"abstract":"In India BPO is a main source of knowledge based services. BPO offers many benefits, It aids in cost reduction by lowering HR costs, such as wage bills, perks, employee benefits, and administrative overheads. Only the client is responsible for the cost of meaningful, high-quality work produced by Bookmarking knowledge-based services is a complicated process with numerous important considerations and the objective of the study is to know significance of competence of the service provider in knowledge-based services for this data has been collected from 30 sample respondents, SPSS package has been used to derive statistical inference.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"97 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124066921","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 Consumer Awareness and Satisfaction towards Online Digital Payment - With Special Reference to Pollachi Taluk","authors":"M. Deepa","doi":"10.34293/COMMERCE.V9I3.4048","DOIUrl":"https://doi.org/10.34293/COMMERCE.V9I3.4048","url":null,"abstract":"Digital payment a way to make payment that is made through digital modes. In digital payments the payer and payee or both can use the digital modes to send and receive money. It is also called electronic payment. There is no need for have hard cash for every transaction involved in the digital transactions. All the transactions are done only through online payments. It is convenient way to make payments. The objectives of the studies are: To identify the customer preference towards Digital payment and to measure the customer level of satisfaction about Digital payment services. This study is based on both primary data and secondary data which is collected from the consumers to find out awareness and satisfaction about digital payments. There are 100 respondents were taken for this study y using convenience sampling method. This study was conducted only in Pollachi taluk. The following statistical tools were used to analyze the data: Percentage analysis and Fried man rank test. Some of the findings of the studies are: majority 67% of the respondents are female, majority 69% of the respondents age group between 20-35 years, majority 70% of the respondents are unmarried. The consumers are satisfied with the following methods of digital payments. The first rank given to RTGS and followed by Phone pay, Paytm app, NEFT, RTGS, Net banking, Debit card, Digital wallet, Rupay card, Paypal, and Credit card. It is concluded that most of the respondents are having more awareness about digital payments and also satisfied with the online payment. The growth of users of Smartphone and internet penetration in such area also facilitated the adoption of digital payment.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124114202","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":"The Socio-Economic Implications of the Coronavirus Pandemic (COVID-19): A Review","authors":"H. Manjula Bai","doi":"10.34293/commerce.v8i4.3293","DOIUrl":"https://doi.org/10.34293/commerce.v8i4.3293","url":null,"abstract":"This paper is designed to study the area of the role of Government. They play a meaningful role in the socio-economic transformation of the society from the implication of the coronavirus pandemic. For the study, an online questionnaire was conducted using a semi-structured questionnaire using a non-probability snowball sampling technique; the researcher has collected responses from- 100respondents. The study covers different aspects concerning socio-economic status, barriers in improving the income level, GDP level, consumption level, and Investment level of the people and whether the Government is significant in improving the standards of the people post the pandemic. All categories of people who are affected by this pandemic were surveyed by using Google forms and the extent of improvement after the pandemic in their social and economic status is studied. A small endeavor has been made to understand the stress and anxiety of the people during this pandemic and also how the Government will help in the transformation of society.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"163 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133456780","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":"Customer Preference towards Use of ATM Services","authors":"S. Manjushree","doi":"10.34293/commerce.v8i4.3290","DOIUrl":"https://doi.org/10.34293/commerce.v8i4.3290","url":null,"abstract":"Automated teller machines have altered the relationship between banks and their customers and competitive relationships among banks. ATMs are self-service vendor machine it permits customers to do anywhere, anytime banking both the bank and customers stand to gain in several ways. In contrast, ATMs bring down the cost per transaction, increase efficiency by reducing the workload of staff, they help to increase accuracy, speed, save time, money and effort of customers. Thus ATM impacts customer services and leads to better customer satisfaction. They enable the bank to transact more business by offering various services in a cost-effective way on one side and to get more customer satisfaction on the other. To analyze the relationship between demographic variables and preferences to use ATM, a structured questionnaire was used to collect the data from a random sample of 50 customers from a syndicate bank in Bhadravati, percentage analysis and chi-square test are applied for data analysis and interpretation. Finally, it attempts to offer suitable suggestions and conclusions to enhance the awareness of ATMs and other related modern services provided by the banks.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128685134","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":"SWOT (Strength, Weakness, Opportunities and Threats) Analysis of Fast Moving Consumer Goods (FMCG) Industries in India","authors":"T. Karthik, T. P. R. Prasad","doi":"10.34293/commerce.v8i1.3523","DOIUrl":"https://doi.org/10.34293/commerce.v8i1.3523","url":null,"abstract":"Fast Moving Consumer Goods (FMCG) is the fourth biggest sector in the Indian economy. There are three primary segments in the sector food and refreshments, which represents 19 percent of the sector; medical services, which represents 31 percent of the offer; and family unit and individual consideration, which represents the staying 50% offer. FMCG market is relied upon to grow 5-6 percent in 2020. FMCG’s metropolitan segment developed by 8 percent, though, its rustic segment grew 5 percent in the quarter finishing September 2019, upheld by moderate swelling, increment in private consumption and country pay. Indian online basic food item market is assessed to surpass deals of about Rs 22,500 crore (US$ 3.19 billion) in 2020, a noteworthy hop of 76 percent over the earlier year. FMCG organizations are hoping to put resources into energy productive plants to profit the general public and lower cost in the long haul. Dabur had plans to contribute Rs 250-300 crore(US$ 38.79-46.55 million) in FY19 for limit extension and potential acquisitions in the homegrown market. The sector saw sound FDI inflow of US$ 16.28 billion during April 2000-March 2020. Investment goals identified with FMCG sector emerging from paper mash, sugar, fermentation, food handling, vegetable oils and vanaspati, cleansers, beautifiers, and toiletries businesses worth Rs 19,846 crore (US$ 2.84 billion) was implemented until December 2019. Developing mindfulness, simpler access, and changing way of life are the key development drivers for the consumer market. The attention on farming, MSMEs, training, medical care, framework and expense discount under Union Budget 2019-20 was required to legitimately affect the FMCG sector. Activities attempted to expand the extra cash in the possession of average person, particularly from country regions, willbe gainful for the sector. Hence, it is being a motivational factor to the researcher to have a study on the SWOT analysis of FMCG Industries in India.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"182 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132077353","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 Impact of GST on Indian Digital Marketing System","authors":"J. Duraichamy, K. Srinivasan","doi":"10.34293/commerce.v8i1.3521","DOIUrl":"https://doi.org/10.34293/commerce.v8i1.3521","url":null,"abstract":"At the point when Prime Minister Modi’s government presented the one tax system the advanced marketing area was hit by it like each other industry. The target of this post is to take a gander at the different ways GST has gotten a change the web based marketing industry. The Goods and Service Tax was brought to the market in India from first July 2017 and are an endeavor from the occupant government to bring the country under one tax system. Business analysts accept this extreme change has long-standing consequences for the fund and economy of the nation. The GST will be represented by the Goods and Services tax Council alongside the Finance Ministry of India and is required to redo the system of taxation continued in the nation totally. So here’s a gander at how these GST changes impact the computerized marketing area. In the past tax system, taxation had a falling impact on ensuing stages which toward the end went about as a weight for the end shopper. In Goods and Services Tax, the tax will be imposed on every one of these stages and the risk with respect to the shopper will be diminished as purchasers in numerous phases of the cycle can profit the info credit from the cycle. Dissimilar to the past tax system, the falling impact will no more be required on each stage, so the expense of making an advertisement will unquestionably diminish. Because of information credit, the cost will descend. This advantage would be presently moved to the marketing financial plan of  organizations. As per driving money related foundations, input credit system will inevitably prompt organizations spending more on their Advertisement. In the past tax system publicizing cost was considered as a manufacturing cost, exposed to VAT and deals tax and no information credit was accessible to advertisers. Presently in the Goods and Services Tax time, costs acquired under publicizing will be accessible for input credit of 18% on taxes paid on advertisements. As indicated by experts, GST would build the promotion spend oforganizations because of the ease of making an advertisement and therefore the publicizing spend would increment by 10% of about INR 5,000 crore for 2017-18. Hence, the present study made an attempt to point out the major impact of GST on Indian digital marketing system.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126670894","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 Study on the Big Consolidations of Indian Banking Industry","authors":"T. Ram Prasad, T. Karthik","doi":"10.34293/commerce.v7i3.3522","DOIUrl":"https://doi.org/10.34293/commerce.v7i3.3522","url":null,"abstract":"India declared a broad consolidation of state-claimed banks that will see 10 of them being merged to frame four greater moneylenders to reinforce a sector battling with a terrible advance cleanup and planned for making loan specialists of worldwide scale that can bolster the economy’s flood to $5 trillion by 2024. The government additionally reported administration changes to improve their wellbeing. This was the most recent in a progression of announcements by the government since a week ago as it looks to animate demand and resuscitate the economy. In a different announcement, the government said development had dropped to a six-year low in the quarter to June. The most recent consolidation move will slice the quantity of state-claimed loan specialists to 12 from 27 of every 2017, Sitharaman stated, featuring the banking changes embraced by the Narenda Modi government that have likewise included noteworthy cleaning up of asset reports. This isn’t the first occasion when that the possibility of merging state-claimed banks has picked up momentum. In his way breaking 1991 report on banking sector changes, M. Narasimham, a former Reserve Bank of India senator, had recommended mergers to shape a three-level structure with three enormous banks with international nearness at the best, eight to 10 national banks at level two, and countless provincial and nearby banks at the base. Afterward, the P.J. Nayak Committee had additionally recommended that state-run banks ought to either be merged or privatize. To be sure, as per Indian Banking Association information, there have been in any event 49 mergers since 1985. Hence, the present study has been focused to highlight the brief of top vital consolidation on Indian Banking sector and study based on secondary sources of data.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116510794","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 Study on the Msmes in India in the Contemporary Era – With Special Focus on the Constraints and Opportunities","authors":"J. Duraichamy, K. Srinivasan","doi":"10.34293/commerce.v7i3.3520","DOIUrl":"https://doi.org/10.34293/commerce.v7i3.3520","url":null,"abstract":"Micro, Small and Medium Enterprises accept a basic function in the financial and social improvement of the country. It additionally accepts a key function in the development of the economy with its ground-breaking, beneficial, versatile and inventive creative soul. MSMEs contribute 45% in the mechanical yield, 40% of tolls, using 60 million people, make 1.3 million occupations consistently. The essentialness of MSMEs and its different economic commitment like work age developing new business enterprise offering volume to the business base and commitment to public yield and passages of our country was recognized. They contribute in GDP and GNP of India. It goes probably as a raising ground for business individuals to create from little to gigantic. MSMESector are growing immensely in India. MSMEs are huge in the financial development of India anyway this division isn’t getting sufficient assistance from the concerned Government Departments, banks, cash related establishments and corporate. Before long, the Indian MSMEs are facing different sorts of issues. If the Government, Bank and Economic Institutions will take genuine exercises in the region of MSME and they will contribute wholeheartedly while updating the MSMEs, these troubles can be handled and the money related development movement of India will be 8-10% for the next many years. At this moment, there are More than 50 million SMEs exist in our country India. The SME division has developed competently by contributing 40% of the nation’s charges and delivering an extraordinary many occupations consistently. The SME division has agreat deal of potential for development in the coming quite a while with respect to spearheading soul, advancement and occupation creation in the country. Regardless, the SME division has been fighting an aftereffect of the heaviness of troubles. It is being the motivation factor to do a research study on the constraints and opportunities of MSMEs in India. And the study is an empirical based study and secondary sources oriented.","PeriodicalId":286082,"journal":{"name":"ComFin Research","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127439800","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}