Paper Title

FINANCIAL INCLUSION: ISSUES AND CHALLENGES IN INDIA

Abstract

Financial inclusion is important for improving the living conditions of poor formers, rural non-farm enterprises and other vulnerable groups. Financial exclusion, in terms lack of access to credit from formal institution, is high for small and marginal farmers and some social groups. For developing nations the era is of inclusive growth and the key for inclusive growth is financial inclusion. Financial inclusion or inclusive financing is the delivery of financial services, at affordable costs, to sections of vulnerable and low income segments of society. There have been many formidable challenges in financial inclusion area such as bringing the gap between the sections of society that are financially excluded within the ambit of the formal financial system, providing financial literacy and strengthening credit delivery mechanisms so as to improvised the financial economic growth. A nation can grow economically and socially if its weaker section can turn out to be financial independent. The paper highlights the basic features of financial inclusion, and its need for social and economic development of the society. The study focuses on the role of financial inclusion, in strengthening the India’s position in relation to other countries economy. For analyzing such facts data for the study has been gathered through secondary sources including report of RBI, NABARD, books on financial inclusion and other articles written by eminent authors. After analyzing the facts and figures it can be concluded that undoubtedly financial inclusion is playing a catalytic role for the economic and social development of society but still there is a long road ahead to achieve the desired outcomes
KeyWords: Financial inclusion, financial exclusion, NABARD, financial instruments.

Paper Title

INDIAN REAL ESTATE INDUSTRY ANALYSIS AS PER PRESENT TRENDS

Abstract

For the real estate sector, the last few years have been quite agonising. In this paper we discuss about the growth rate in real estate sector in India. Declining sales and mounting debts played havoc for the sector that is seen as one of the growth drivers for the economy. However, things changed for the better in early 2014 as a stable government came to power at the Centre with a thumping majority. This led to a boost in investor confidence coupled with renewed interest from key stakeholders. The government has unleashed a lot of reforms in the last few months to give a fresh impetus to the sector. Decisions for investment, buying and selling of properties depend upon the market value of that property. Issues arise in arriving at the actual value of the property as well as computing the rate of returns from the estate. Addressing valuation related issues through an understanding of behaviour of real property rates provide the means to explore the quality of past decisions and to make valid future decisions. Increased demand for housing and investment in properties has led to increase in the rates of real estate. An attempt has been made to study the change and behaviour of rates of real estate and factors influencing India.
KeyWords:Real estate, valuation, property rates, trend analysis and growth analysis.

Paper Title

GREEN MARKETING A WAY TO SUSTAINABLE DEVELOPMENT

Abstract

Green marketing offers business bottom line incentives and top line growth possibilities. While modification of business or production processes may involve start-up costs, it will save money in the long term. Sustainable development is one of the most serious and crucial issues of countries all across the globe. Green marketing is one important concept which marketers are using these days as a key strategy for sustainable development. Sustainable marketing refers to the way of marketing which incorporates needs of the customer, the organisation and the society in general over a long term. It means designing and marketing products that can be used universally by all the consumers across the world over extended periods, without causing harm to either the consumers or the environment. This paper explains the way for achieving sustainable development though green marketing.
KeyWords:Green marketing, Sustainable development, products, environment

Paper Title

ENHANCING PERFORMANCE THROUGH SKILL MATRIX

Abstract

Economic development – be it of a Country, State, Sector or industry depends on various driving forces. One of such driving forces is ‘Skill and Talent Development’ which fosters growth. Skill necessarily needs to be learnt and practiced with structured approach. Progress results with effective usage of skills and talent – as it is one of the important resources for growth. The economy is truly focused on making India the Skill Capital of the World. Government, Institutions & Industry have engulfed themselves into building value-added initiatives to upgrade skill levels right from the education to professional careers. A systematic approach to ‘skill mapping’ through ‘skill matrix process’ undoubtedly helps ascertain current levels of skills but also provides a road-map to build skill on the basis of identified gaps. Structured approach to fill the gaps through value added inputs ensure escalated skill levels and also provides path for multiple skill acquisition. The paper focuses on such details which will support ‘skill development’ in existing workforce at various manufacturing industries.
KeyWords:Talent, Skills, Competency, Manufacturing

Paper Title

STATUS OF WOMEN EDUCATION IN INDIA

Abstract

Women education in India has also been a major preoccupation of both the government and civil society as educated women can play a very important role in the development of the country. Education is milestone of women empowerment because it enables them to responds to the challenges, to confront their traditional role and change their life. So that we can’t neglect the importance of education in reference to women empowerment India is poised to becoming superpower, a developed country by 2020. The growth of women’s education in rural areas is very slow. This obviously means that still large womenfolk of our country are illiterate, the weak, backward and exploited. Education of women in the education of women is the most powerful tool of change of position in society. Education also brings a reduction in inequalities and functions as a means of improving their status within the family. To provide the education to everyone, EFA programme was launched in 2002 by the Government of India after its 86th Constitutional Amendment made education from age 6-14 the fundamental right of every Indian child. But position of girl’s education is not improving according to determined parameter for women. To know the present position of women education, this study conducted by us. And study concluded that the rate of women education is increasing but not in proper manner.
KeyWords:Education for All (EFA), Women Education, Female Literacy Rate, Empowerment, Provisions for Girls Education

Paper Title

A STUDY ON E-COMMERCE AS A DRIVE TO GEAR UP MODERN BUSINESS

Abstract

E- Commerce is generally known as Electronic Commerce and it helps in trading the products and services through online and which is through the help of internet and intranet connection. The types of e- commerce helps the ultimate consumer in purchasing of products and services effectively, E-commerce has changed gradually over the period of time in such a way that it has actually changed the concept of traditional purchasing of product and services. E-commerce is becoming a very effective tool for gearing up of the business in today’s generation. With a huge development in e-commerce the traditional markets have come down drastically and India is showing a greater development in the business community. The awareness of e-commerce is been spread across India and the opportunities which is offered by e-commerce in India. This paper actually aims to focus and to study the role and importance of e-commerce and how e-commerce being the important tool to gear the business in modern times.
KeyWords:Online Trading, Supply Chain Management, Technology, Communications, Digital Information.

Paper Title

A STUDY ON TECHNOLOGICAL UP GRADATION IN SILK AND HANDLOOM INDUSTRY

Abstract

The silk and hand loom Industry is one of the productive cottage sectors in India is developing rapidly and lucratively over the past years. Pre-cocoon and Post-cocoon are the two major areas in this industry. The pre-cocoon sector, called farm or sericulture sector, is connected with larval stage to cocoon production stage. The post-cocoon process involves reeling, twisting, dyeing, designing, weaving and trading, which help in the production of silk apparel. However, as far as individual sector is concerned, several constraints are involved. For instance, it is found that the silk reeling and dyeing entrepreneurs face several problems starting from purchase of cocoons to dyeing of yarn. Handloom sector manufactured cotton terry towels and bed sheets. The towels and bed sheets are renowned in the country and have good market in India. The main raw material for the units is cotton yarn, which is procured from local spinning mills and agents. Majority of the cluster units are of integrated type, where the raw material yarn is processed in-house to the final product. The electricity is used for power looms, doubling machines, winding machines, hydro extractors, warping machines and lighting. In general wood is used as fuel for boilers, thermic fluid heaters, and chulhas for hot water generation. Using of Auto Loom or Rapier Loom in Handloom Sector, the weavers can increase their productivity and decrease operational cost. The main objective of the study is to find solutions for effluent treatment and for drying the chrysalises through solar energy. Further, it is to verify the relevance, effectiveness, and efficiency of the solar system for the silk reeling and dyeing sectors, besides identifying constraints / bottlenecks and inherent problems during implementation. This study also assesses the actual benefits to be accrued to the beneficiaries in the silk and handloom industry and to provide an idea whether the intended Non-Conventional approach would be beneficial.
KeyWords:silk and hand loom Industry, solar system, conventional and non conventional methods, Multi-end Reeling Machine unit, Automatic Reeling Machine, Auto Loom / Rapier Loom

Paper Title

RURAL BANKING IN TELANGANA STATE – AGRICULTURE AND PRIORITY SECTORS LENDING

Abstract

In this Paper I examine to what extent recent empirical evidence can collectively and systematically substantiate the claim that Rural Banking has plays an important role in the Agriculture and priority sectors lending in Telangana. This proposal is provided that answers to the various aspects such as the contribution of Rural Banking to the Agriculture segment comparison to commercial banking system.

Key Words: Telangana, Rural banks, Grameena Banks, Credit Societies and Co-Operative Societies.

Paper Title

ESTABLISHMENT OF MICROFINANCE INSTITUTIONS & SUSTAINABLE DEVELOPMENT

Abstract

All World economies have recognized the importance of microfinance as a key factor for financial inclusion and combat the economic and social evils. On account of this India has witnessed an unprecedented change in providing credit access since last two decades. The major focus was on provision of seed financing to the micro entrepreneurs, self-help groups, and poor and low income households. As a matter of policy making and governing institution the Governments through various economic and financial reforms brought an enormous change in meeting the credit requirements of needy by bringing all these activities under one umbrella as Microfinance. These evolutionary changes have marked a remarkable growth on improving the standards of down trodden and unprivileged sections of the society. Hence, to achieve greater financial inclusion, financial services should reach the socially deprived and untapped sections in order to provide access to financial systems which help in filling up this gap. This resort can be expected to make micro financing activities can pave way for sustainable development and speed up the economy. In this context the microfinance through financial inclusion is gaining importance as an effective engine in addressing the socio-economic issues. The objective of the present paper is to examine the issues relating to micro financing activities taken up by Government and aims to bring out the challenges in the process of reach of micro financing activities to the targeted sections from Microfinance Institutions and also examine the unprecedented changes by strengthening the role of micro entrepreneurs’ and low income groups in achieving sustainable Development.

Key Words: Microfinance, Financial Inclusion, Micro Credit, Self Help Groups, Micro Entrepreneur, NGOs, Sustainable development

Paper Title

PROJECT MANAGEMENT AND INFORMATION TECHNOLOGY-A PARADIGM SHIFT

Abstract

This paper studies the business process known as project management. This process has exhibited a remarkable growth in business interest over the last 15 years, as demonstrated by a 1000% increase in membership in the Project Management Institute since 1996. This growth is largely attributable to the emergence of many new diverse business applications that can be successfully managed as projects. The new applications for project management include IT implementations, research and development, new product and service development, corporate change management, and software development. The characteristics of modern projects are typically very different from those of traditional projects such as construction and engineering, which necessitates the development of new project management techniques. We discuss these recent practical developments.

Key Words: project management, service development, new project management techniques

Paper Title

A STUDY ON GOVERNMENT REGULATIONS AND REFORMS FOR FINANCIAL SECTOR OF INDIA

Abstract

Budgetary area changes have for some time been viewed as an imperative piece of the motivation for approach change in creating nations. Generally, this was on the grounds that they were required to build the proficiency of asset preparation and designation in the genuine economy which thusly was relied upon to create higher rates of development. Change of the monetary division was recognized, from the very beginning, as an indispensable piece of the financial changes started in 1991. As right on time as August 1991, the administration designated an abnormal state Committee on the Financial System (the Narasimham Committee) to investigate all parts of the budgetary framework and make complete recommendations for changes. The paper uncovers the real pretended by the administration in controlling the money related area of India.

Key Words: