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Archives Volume-8, Issue-2 (July-December)

TABLE OF CONTENTS

Paper Title:
LOAN BENEFICIARIES OF SCHEDULED COMMERCIAL BANKS: AN OPINION SURVEY
Author Name:
Dr. Kulpreet Kaur
Country:
India
Page No.:
1-10
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LOAN BENEFICIARIES OF SCHEDULED COMMERCIAL BANKS: AN OPINION SURVEY
Author: Dr. Kulpreet Kaur

Abstract
Bank credit is essential for sustainable development. It is an important input variable in the production
function of agricultural, industrial, commercial and allied production activities. The present paper
examines the perception of loan beneficiaries regarding bank credit. The study is based on primary
data and tools like one-sample kolmogorov-smirnov test, simple percentages, reliability analysis, chisquare test, kruskal-wallis and kendall’s coefficient of concordance test have been used for the
analysis of data. The study found that a large proportion of the loan beneficiaries were satisfied with
the loan services provided by their respective banks but they also faced certain problems like higher
rate of interest, lengthy and technical application forms and improper grievance handling mechanism.
Banks should further improve their loan services for better customer satisfaction.
Key Words: bank, credit, loan, beneficiaries, services

Paper Title:
AN ANALYTICAL STUDY OF ORGANIZED RETAILING (WITH SPECIAL REFERENCE TO BUYING BEHAVIOUR OF FEMALE CUSTOMERS)
Author Name:
Dr. Bharat Pareek
Country:
India
Page No.:
11-17
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AN ANALYTICAL STUDY OF ORGANIZED RETAILING (WITH SPECIAL REFERENCE TO BUYING BEHAVIOUR OF FEMALE CUSTOMERS)
Author: Dr. Bharat Pareek

Abstract
The Indian retail industry has contributed a very big role for the growth of the economy. It is the second largest
sector after agriculture in India, which contributes more than 10% of the GDP. It is estimated that India will be
the third largest consumer economy in the world by achieving Rs. 27.95 lakh crore (US$ 400 billion) in product
consumption in the year 2025. The Government of India has also made a lot of reforms in Foreign Direct
Investment policy (FDI) to improve the retail sector. For this, the government has given permission in multi
brand and single brand retail, 51% & 100% FDI respectively. Thus, around US$ 6.2 billion have been invested
from private equity and venture capital funds in Indian retail industry in the year 2020. There are many factors
that have developed the Indian retail industry i.e. increasing disposable income, healthy economic growth,
changing in choice & preferences as well as demographic profile of consumer, urbanization etc. Women also
have a huge contribution in the development of the Indian retail industry. As the most of the retail material are
bought and consumed by women i.e. grocery, kitchen appliances, health & beauty products, children items,
FMCG products, Apparel, Foot wear, home care, baby care etc. This study has been conducted in buying
behavior of women towards organized retailing so that a proper guideline can be found for future research work.
Primary and Secondary data have been used for this research work. A survey was conducted in the urban area of
Jaipur city to collect primary data. For this purpose a well designed questionnaire was prepared. This survey was
conducted among 100 female respondents with random sampling. To obtain the required interpretation and the
findings, the filled up questionnaires were later analyzed. The secondary data was collected from the books,
journals, websites etc.
Keywords: Demographic Profile, FMCG products, Foreign Direct Investment (FDI), Multi-Brand and
Single-Brand Retail, Retail Industry etc.

Paper Title:
SHIFT FROM TRADITIONAL MARKETING TO DIGITAL MARKETING
Author Name:
Manjeet
Country:
India
Page No.:
18-20
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SHIFT FROM TRADITIONAL MARKETING TO DIGITAL MARKETING
Author: Manjeet

Abstract
As we all know,the COVID -19 pandemic is spreading day by day all over the world. The stock market is
falling, and many countries‟ GDP annual growth rate has become negative. Companies are laying off their
people from work due to losses in the business. People are forced to work from home; COVID -19 has impacted
our lives.People are spending more time online now more than ever, rather than in the workplace or park areas.
According to Forbes magazine, as the coronavirus pandemic has placed most of the world‟s population under
lockdown, internet hits have surged by 50 to 70 per cent. Digital marketing has become a broad platform after
COVID -19 for business because, during this pandemic, people are at their homes. Digital marketing is the
utilisation of electronic media by marketers to promote products and services in the market. Digital marketing is
one type of marketing used widely to promote products and services and reach customers by using digital
channels. Now the question arisesof what role has been played by Digital Marketing in the life of consumers,
producers and marketers. What effects have we seen during this time on marketing strategies? How Digital
marketing is different from traditional marketing.Many factors, not only COVID -19, make digital marketing
broad.
Keywords: Digital Marketing, Traditional Marketing, COVID-19, customers

Paper Title:
TECHNIQUES TO MEASURE BANKING SECTOR PERFORMANCE
Author Name:
Dr. Manpreet Kaur
Country:
India
Page No.:
21-25
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TECHNIQUES TO MEASURE BANKING SECTOR PERFORMANCE
Author: Dr. Manpreet Kaur

ABSTRACT
The Reserve Bank of India (RBI) claims that India's banking system is adequately capitalised and regulated. The
country's financial and economic conditions are significantly superior to those of any other country on the
planet. The central government's position in the entire process must also be examined, since they play a critical
role in the policy creation essential for the expansion of Indian banking. RBI introduced various schemes and
programmes from time to time to reduce the NPA‟s and increase the profitability of banks. A bank's financial
viability is jeopardised by high nonperforming assets (NPAs). Investing in such financial institutions is a terrible
decision. However, banks must give loans to companies in order to strengthen the economy. This paper
highlights the various techniques to measure the performance of Indian banks and also discusses the initiatives
taken by Government and RBI to enhance the performance of banks.
KEYWORDS: Advance to Deposit Ratio, CASA Ratio, Equity Multiplier, Initiative, NPA, Net Interest
Margin, Provisioning Coverage Ratio

Paper Title:
BANKING SECTOR REFORMS: NARASIMHAM COMMITTEE 1 AND 11: AN ANALYSIS
Author Name:
Munisha
Country:
India
Page No.:
26-31
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BANKING SECTOR REFORMS: NARASIMHAM COMMITTEE 1 AND 11: AN ANALYSIS
Author: Munisha

ABSTRACT
The banking sector in India is dominated by public sector banks, which account for almost 70% of the market.
Banking is one of India's fastest-growing industries. The Narasimham-II Committee was entrusted with
reviewing the progress made in implementing banking reforms since 1992 in order to improve India's financial
institutions. It concentrated on topics such as bank size and capital adequacy ratio, NPAs and others. This paper
aims at studying the recommendations made by Narasimham committee 1 and 11. Further an analysis was made
to study the progress of banking sector and NPAs during different years and it was observed that there is a
tremendous growth in banking but there is a much need to be done in near future to make it internationally
comprtitive.
............
Key words: NPAs, CAR, CFS, PSBs, OMO, ARF

Paper Title:
CORPORATE WEBSITE DISCLOSURE- AN INDEX DEVELOPMENT
Author Name:
Dr. Savita Sindhu
Country:
India
Page No.:
32-36
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CORPORATE WEBSITE DISCLOSURE- AN INDEX DEVELOPMENT
Author: Dr. Savita Sindhu

Abstract
“A website is the centre of the digital ecosystem, it‟s like a brick or mortar location, the experience matters once
a visitor enters, just as much as the perception they have of you before they walk through the door.” - Leland
Dieno. The opportunities for companies to take advantage of new technologies and participation features are
virtually endless. Due to the dynamic nature of the corporate world, the challenge for a company is to release
information about its value creation in a cost-efficient manner while maximizing its influence. Companies have
set up their own websites to distribute the financial and non- financial information. Present study provides a
description of disclosure index studies and the development of corporate website disclosure index. Findings
highlighted that in the construction of a disclosure index, selection of items is the first step. Since the number of
items that could possibly be disclosed is very large, so it is important to take some criterion for making the
choice. Method of selection generally includes a review of the literature (Chow and Wong-Boren, 1987) and
subsequently the relevant user group may be subjected to a survey (Firth, 1980, Cerf, 1961 etc.).
KEYWORDS: Corporate Website Disclosure, Website Disclosure Index Studies, Development of Website
Disclosure Index.

Paper Title:
NEW ADD-INS IN THE BANKING SECTOR
Author Name:
Dr. Paramjeet Kaur
Country:
India
Page No.:
37-41
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NEW ADD-INS IN THE BANKING SECTOR
Author: Dr. Paramjeet Kaur

Abstract
Over the last three decades the role of banking in the process of financial intermediation as been undergoing a
profound transformation, owing to changes in the global financial system. India‟s banking system has seen some
major financial innovations in the past decade with the aim to take banking services to yet-to-be-banked areas.
The major impetus for financial innovation has been globalization of financial systems, deregulation, and great
advances in technologies. In increasingly integrated financial systems facing higher volatilities, more
competition and wide varieties of risks, innovation has become an essence to provide new products and
strategies to better suit different circumstances of time and market and to meet different requirements of bank
customers. Intense competition among the banks has redefined the concept of the entire banking system. The
banks are looking for new ways not only to attract but also to retain the customers and gain competitive
advantage over their competitors. Today banking is known as innovative banking. The present paper describes
various new ideas adopted by modern banks in order to offer better customer services.
Key Words: Banking, Innovation, Developments, Internet

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