{"title":"Emerging Trends and Opportunities in the Changing Banking Scenario: A Study of Developing Countries","authors":"Surabhi H. Oriya, Varsha Virani","doi":"10.56209/jommerce.v3i1.62","DOIUrl":"https://doi.org/10.56209/jommerce.v3i1.62","url":null,"abstract":"A developed banking system is now very well established, including many kinds of banks, including public sector banks, foreign banks, both old and new private sector banks, regional rural banks, and cooperative banks with funding from the Reserve Bank of India. The banking sector is expanding at a rate that has never been seen before, and it is becoming more diverse than at any other time in the history of banking. In most developing nations, bank assets make up well over 80% of all financial sector assets, although these percentages are noticeably lower in established markets. More than two-thirds of his banking assets are held by the five largest (often local) banks in the majority of developing nations. The alteration in the nature of the dominant structure in the landscape is of utmost importance. Since the 1980s, banks have grown in size and the range of their operations, with some developing into very large institutions dispersed across the nation. This essay analyzes the changes and advancements in the Indian banking sector.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"67 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91355314","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":"Revolutionizing Profitability and Liquidity Analysis in India's Auto Two and Three-Wheeler Industry: A Comprehensive Study of Hero Motocorp, Bajaj Auto and Tvs Motor","authors":"Ajmera Tushar Rameshbhai","doi":"10.56209/jommerce.v3i1.63","DOIUrl":"https://doi.org/10.56209/jommerce.v3i1.63","url":null,"abstract":"The primary objective of a business organization is to maximize profits and fulfill its short-term financial obligations within a year. The generation of profit is a fundamental aspect of any business organization, and liquidity plays a crucial role in facilitating this process. The attainment of an organization's desired objectives is heavily reliant on its ability to maintain profitability and liquidity. This empirical study aims to identify the profitability and liquidity of companies in the auto two and three wheelers industry that are listed on the stock exchange. The study should encompass the time period from 2011-12 to 2018-19, during which three companies will be randomly selected for the purpose of analysis and findings. The study found that Baja Auto demonstrated a relatively favorable level of profitability, while Hero Motorcorps exhibited a comparatively higher ratio among the selected companies. The comparative liquidity position of Hero Motorcorps and Bajaj Auto appears to be better than that of TVS Motors. Regarding the statistical test of ANOVA, it was found that all selected ratios, except for the Debtors Turnover Ratio, were rejected. This indicates that the selected companies did not exhibit a significant difference in their Debtors Turnover Ratio during the study period.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83801101","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 Correlational Study on Value Added (VA) and Profit with Special Reference to Ultratech Cement LTD","authors":"Ashish Premjibhai Chirodiya, S. J. Parmar","doi":"10.56209/jommerce.v3i1.59","DOIUrl":"https://doi.org/10.56209/jommerce.v3i1.59","url":null,"abstract":"This is a correlational study on Ultratech Cement ltd. The main objective of this study is to find out whether there is any kind of relationship do exist between Value Added (VA) and Profit. Here Value Added (VA) includes Gross Value Added (GVA) and Net Value Added (NVA) only. To find out if there is any relation exist between those variables correlational analysis is used. To fulfil the objective of study, the data of 7 years (from 2015-16 to 2021-22) is taken from the annual reports of the company and analysed by preparing Value Added Statement (VAS). It is found out that there is actually a strong positive correlation exist between Value Added (VA) & Profit (Gross Value Added (GVA) & Profit and Net Value Added (NVA) & Profit).","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"33 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90302059","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}
Elaf Mohmood Abdulrazzaq Al saggar, Mohammed Ghader
{"title":"An Analysis of the Financial Performance Metrics for the Companies Listed on the Iraq Stock Exchange","authors":"Elaf Mohmood Abdulrazzaq Al saggar, Mohammed Ghader","doi":"10.56209/jommerce.v3i1.61","DOIUrl":"https://doi.org/10.56209/jommerce.v3i1.61","url":null,"abstract":"Both theoretical research and analytical investigation are included in the study. To emphasize the significance of this subject in explaining the financial status of businesses, the theoretical study focused on the subject of financial analysis and performance evaluation in general and company performance evaluation in particular. This causes the investor to seek out financial information about businesses, which increases the investor's dependence on these statistics and increases the investor's trust in the businesses that it might invest in. The relevance of financial indicators in assessing a company's liquidity, capacity to pay long- and short-term obligations, and capacity to make a profit was another topic covered in this study (Tahu & Susilo, 2017). Regarding the analytical or practical component, it involved the analysis of a sample from Al-Hamra Insurance Company, an insurance provider registered on the Iraq Stock Exchange. The research arrived at the prospect of relying on the information provided by the company in its latest financial statement after applying financial indicators to the research sample through a re-analysis of its financial performance.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"6 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90518234","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 Comparative Study of Key Performance Ratios of Selected Indian Private Banks","authors":"Sanjana Joshi","doi":"10.56209/jommerce.v3i1.60","DOIUrl":"https://doi.org/10.56209/jommerce.v3i1.60","url":null,"abstract":"This article is mainly based on the comparative study of India's private banks during the study period of 2017-18 to 2021-22. For the perspective of comparative study Key performing ratios are selected and hypothesis testing is done by one way ANOVA test. The testing hypothesis is Ho hypothesis is rejected in NPM , OPM, ROCE ratio that means there is no significant difference between selected sample units, while Ho is accepted only in CASA ratio that means there is significant difference between selected sample units. And the findings of study are HDFC Bank and KMB generate a more profit from their services with low operating cost. It shows good operating efficiency. The performance of ICICI Bank is average during the study period, but Axis Bank's performance is not good compared with other banks.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"120 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89869037","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":"Impact of Economic Variables on Retirement Planning of Salaried Employees","authors":"G. Mittal, Pardeep Gupta","doi":"10.56209/jommerce.v2i4.40","DOIUrl":"https://doi.org/10.56209/jommerce.v2i4.40","url":null,"abstract":"Despite the inclusion of economic variables in retirement studies, limited studies look at the impact on the retirement planning of salaried employees. It is important to understand the economic variables before planning for retirement considering how they affect retirement planning. Therefore, the Current study tries to assess the impact of the economic variables on the retirement planning behavior of salaried employees. For this purpose, the study has collected the primary data using a structured questionnaire from 312 salaried employees working in five Institutions in Haryana state. The study employed the One-way ANOVA and Independent T-test for data analysis. The result of the study indicates that economic variables have a direct and substantial impact on the retirement planning behavior of salaried employees. The result also indicates the importance of awareness programs for retirement planning. Real estate as compared to other investment options, has become a most important asset for retirement planning. Purposive sampling was used because there was no population frame, hence findings cannot be generalised to the population. Despite all efforts to be objective, there is still a chance of subjectivity in some situations. The paper's findings may be helpful to policymakers as they evaluate how to improve the quality of investment advice and give valuable information for investing decisions.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89921138","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 Comparative Study on Value Added Ratios of Ultratech Cement Ltd and Ambuja Cement Ltd","authors":"Ashish Premjibhai Chirodiya","doi":"10.56209/jommerce.v2i4.42","DOIUrl":"https://doi.org/10.56209/jommerce.v2i4.42","url":null,"abstract":"This is a comparative study of Ultratech Cement Ltd and Ambuja Cement Ltd. For the comparison Value Added Statement and Value-Added Ratios are used. For the purpose of calculation of Value-Added Statement and Value-Added Ratios data was taken from the annual reports of both companies from 2017-18 to 2021-22. For the purpose of data analysis T-test is used. Important findings of this study are that 4 ratios out of 5 are showing that there is no significant difference between the performance of both companies.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"46 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88924589","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}
Nguyen Trong Diep, D. Huy, Pham Thi Hong Nhung, Ly Thi Hue, N. D. Trung
{"title":"Protecting Students-Consumers Interests in Universities and Colleges","authors":"Nguyen Trong Diep, D. Huy, Pham Thi Hong Nhung, Ly Thi Hue, N. D. Trung","doi":"10.56209/jommerce.v2i4.41","DOIUrl":"https://doi.org/10.56209/jommerce.v2i4.41","url":null,"abstract":"This study will investigate ways in which universities and colleges can better protect the interests of their student customers by creating a new learning environment and improving the quality of the services provided to students in lecture halls. The ultimate goal of this research is to increase student satisfaction as customers. The authors of this research derive certain educational lessons for students in Vietnam and other developing markets based on their observations, experiences, synthesis analyses, and dialectical approaches. According to the findings of this survey, students are the universities' primary customers. The level of happiness a company's customers feel may be directly attributed to the quality of the service provided. Customers will first have a positive impression of a company if the service provider gives them with high-quality items that are able to fulfill their requirements.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"58 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85728758","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":"Preferences of Gen Z for Investing in Socially Accountable Funds","authors":"Devanshi D. Dave, A. Parikh","doi":"10.56209/jommerce.v2i4.39","DOIUrl":"https://doi.org/10.56209/jommerce.v2i4.39","url":null,"abstract":"Socially accountable fund (SAF) in India continues to be a fresh investment approach for its investors and socially accounted business. It is a funding that considers social justice, environmental sustainability, in addition to the incorporation of moral materials of enterprise and trade. This paper tries to determine factors influencing ‘Generation Z`s’ (Gen-Z) preference to invest in socially accountable funds. The ‘Theory of Planned behaviour (TPB)’’ focuses on symbolize attitude, subjective norms, and perceived behavioural management by the investors. These factors are included to take a look at how those variables sequentially affect the adoption of socially accountable funding. More importantly, socially accountable consumption, in addition to perceived ethical duty also are protected making use of growing a prolonged idea of deliberate conduct studies framework. The statistics become amassed thru a survey, using a self-administered questionnaire the usage of a ‘6-factor Likert Scale’ amid 287 respondents in Gujarat. All the hypothesis are supported by the findings, besides for the connection among subjective norms and the adoption of socially accountable funding (SAF). The findings offer beneficial facts to the vendors of funding merchandise and services, in particular in increasing their marketplace in the direction of selling socially accountable funding, especially amongst Gen-Z.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89249610","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":"Economic Impact of Culinary Tourism Center Management","authors":"Andi Abriani","doi":"10.56209/jommerce.v2i4.43","DOIUrl":"https://doi.org/10.56209/jommerce.v2i4.43","url":null,"abstract":"There are inconsistencies in the purchase and selling of tourist items that have not been formally organized by the government. However, tourist objects have an effect on the community by allowing them to increase their income via small enterprises. Using qualitative descriptive research and a phenomenological research technique, this study tries to investigate the process of developing a tourist attraction and the socioeconomic effect of the Wajo Regency tourist attraction. Using three methods to collect data for this study: observation, interviews, and documentation. The findings demonstrated that the presence of the Wajo Regency tourist attraction might allow a small company to turn a new page in terms of raising their daily revenue. The community members who are actively engaged in the creation of the Wajo Regency tourist attraction have a social influence on the surrounding community's attitude towards the environment. Tourism in the Wajo Regency may have both beneficial and bad effects on the local people.","PeriodicalId":37316,"journal":{"name":"Pakistan Journal of Commerce and Social Science","volume":"28 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81729732","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}