Paper Title

A REVIEW OF THE EFFECTS OF POVERTY ON ECONOMIC DECISION-MAKING

Abstract

This review focuses on the problem of how poverty affects financial judgment. The authors develop a structural model outlining the cognitive process behind how poverty adversely affects economic decision-making by critically assessing current research. They also examine the data that forms the foundation for this model's development.
KEYWORDS : Poverty, economic decision-making, time- discounting, scarcity, poverty trap, cognitive load, executive functions, risk preference

Paper Title

A STUDY ON EFFECTIVE STRATEGIES AND TECHNIQUES IN ASSET LIABILITY MANAGEMENT

Abstract

Asset Liability Management or ALM is a mechanism designed to address the risk faced by banks due to a mismatch between assets and liabilities, which arise either because of liquidity or because of changes in interest rates. As such, asset liability management techniques involve ALM finance and ALM banking. Banks use asset liability management techniques as part of an overall asset liability management system. he paper aims to introduce a number of definitions and market practices that are fundamental for an effective asset and liability management (ALM) strategy. The paper analyses the various strategies used for asset liability management in financial institutions. The reader can make use of the proposed ALM strategies to build more complex management approaches
KEYWORDS : ALM, Banks, System, Strategies, Institutions

Paper Title

A STUDY ON CUSTOMER SATISFACTION TOWARDS FINANCIAL SERVICES AT SELECT BANKS

Abstract

In today\'s digital world, providing an exceptional customer experience is a key differentiator for banks in the financial services industry, regardless of whether the service is traditional banking, short- or long-term insurance. A positive customer experience can not only attract new customers but also increase loyalty, retention, and advocacy, ultimately driving growth and profitability. The importance of customer experience in the financial services industry cannot be overstated. In fact, a study by PwC found that 73% of customers rate experience as an important factor in their purchasing decisions. Moreover, a separate study by Forrester Research found that companies with higher customer experience scores tend to have higher revenue growth rates than their competitors. One of the biggest challenges facing financial services companies today is meeting the rapidly evolving consumer behaviour and preferences. Customers expect fast, convenient, and personalised services that are available 24/7, across multiple channels and devices. Failure to meet these expectations can result in negative customer experiences, which can lead to lost revenue, reputation damage, and increased churn rates. Providing an exceptional customer experience is crucial for financial institutions to remain competitive and meet customer expectations in today\'s digital world. By investing in customer experience strategies, financial institutions can enhance customer satisfaction, loyalty, and advocacy, which can drive growth and profitability.
KEYWORDS : banks, customer, financial, expectations

Paper Title

A STUDY ON ASSET LIABILITY MANAGEMENT OF SBI LTD

Abstract

Asset Liability Management is one of the vital tools for risk management in banks. The banks have to work properly with regard to the Asset Liability Management so as to increase their performance. The concept of banking had undergone dynamic changes in keeping with the need to achieve rapid socio- economic progress. To study the assets and liabilities in banks and evaluate the impact of Asset Liability Management on profitability of banks were using Ratio Analysis. It provides the necessary framework to define, measures, monitor, modify and manage these risks.
KEYWORDS : Asset Liability, Ratio, Bank, Banking Sector, Nationalisation, Balance Sheet, Liquidity, Net Interest Margin.

Paper Title

A STUDY ON DOES ARTIFICIAL INTELLIGENCE(AI) IS BOON OR BANE FOR THE ONLINE SHOPPERS OF MOBILE PHONES WITH SPECIAL REFERENCE HYDERABAD

Abstract

The researcher intended to do study on the title the Impact of Artificial Intelligence (AI) on Online Mobile Phone Shoppers: A Comprehensive Analysis with Special Focus on Redmi Mobiles. This research study utilized the simple random sampling method to collect a sample size of 200 data points. The data was analyzed using the Statistical Package for the Social Sciences (SPSS) software. This report presents a comprehensive summary and interpretation of the findings obtained from the data analysis. The data is restricted to Hyderabad geographical area. AI is a valuable asset in online shopping, offering opportunities for marketers to optimize strategies and meet evolving customer needs effectively.
KEYWORDS : Experience, Trust, Subjective norms, Perceived Usefulness, perceived enjoyment, task technology fit.

Paper Title

INVESTMENT AWARENESS AND PREFERENCES OF TEACHING FRATERNITY IN HYDERABAD – A STUDY

Abstract

The vast array of savings and investment firms, the products they offer, terms and conditions of investments, widespread complex rules and regulations have all significantly changed the nature of the financial market and made investing money a very difficult process. Despite the economy\'s impressive expansion and rising average income levels, India\'s rate of saving mobilisation is slower. Most investors, especially those in urban areas, are reported to be ignorant about available investment options and the legal requirements. The aim of the study was to learn more about the teaching fraternity investors in the Hyderabad their savings habits, investment knowledge, and investment preferences. Teachers play a critical role in securing the future of education for the world\'s youth, particularly in emerging nations like India. According to the responses to the questionnaire, there are considerable differences in the weight that investors give to different investment channels and investing goals. The majority of investors who are demonstrate their preference for safe investment options like gold, mutual funds, real estate and bank fixed deposits.
KEYWORDS : Investment Awareness, Investment preferences, market environment, strategies, knowledge.

Paper Title

AN EMPIRICAL STUDY ON OCCUPATIONAL STRESS AMONG THE BANK EMPLOYES WITH SPECIAL REFERENCE TO PUBLIC SECTOR BANKS, TELAGANA STATE

Abstract

Stress is a common psychological and physical reaction to life\'s rising responsibilities. While several studies have investigated stress, there has been little study in the banking industry. The current study provides empirical evidence to analyse work-related stress among Telangana state public sector bank workers. Data was collected from 120 employees, and the results show that stress levels do not regularly grow or decline based on the demographic features of the respondents, as one might predict. Only six of the 15 stress-related aspects examined (age, gender, income, and experience) showed a significant correlation with the respondents\' overall stress levels, while three aspects (marital status, highest degree attained, and family types) did not show a correlation with the respondents\' stress levels.
KEYWORDS : Bank employees, emotional stress, Psychological stress, work related Stress.

Paper Title

A STUDY ON SOCIO CULTURAL AND LIBRARY AWAKENING MOVEMENTS IN TELANGANA

Abstract

Library movement in Telangana emerged as one of the most significant social movements witnessed during the first five decades of the 20th Century and carved out a niche in the history of Library Movement in Andhra Pradesh in particular and the country in general. This paper briefly traces the genesis and spread of the movement and deals with its characteristics, the establishment of Andhra Jana Kendra Sangham, its activities, library conferences, Andhra Maha Sabha‟s role in the spread of the movement, the role of individual libraries for the sustenance of the movement, cooperation between the leaders of the movement of Telangana and Andhra regions, the establishment of Hyderabad Library Association and its efforts for the enactment of Hyderabad Public Libraries Act, 1955, and finally an integrated A. P. Public Libraries Act, 1960 by the Government of Andhra Pradesh. The paper concludes that Library Movement in Telangana was truly a popular movement of the people, by the people and for the people.
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Paper Title

REPORTS OF COMMITTEES & COMMISSIONS ON THE UNION-STATES LEGISLATIVE RELATIONS: AN ANALYSIS

Abstract

The constitution is not a force, but a life, a character, that responds to the changing needs and problems of society in future generations. To safeguard the Constitution, various commissions were set up which gave different views on the relationship between the states and the Centre. Indeed, these committees have put forward various proposals to stop the erosion of the legal relationship between the Center and the states. The recommendations of the committees are in line with the provisions of the Constitution and are aimed at ensuring the unity and harmony of the country. Specifically, the comments and recommendations of the Committee on Territorial Affairs explicitly support the protection of national sovereignty enshrined in the Federal Constitution. However, the central government rejected these proposals. Rajeev Dhawan and Jeetanjali Ghoul said that some celebrities disapprove of these ideas as they have voluntarily accepted them. But the question raised by Rajamanari keeps coming up. the creation of the Center and states and the absence of a federalist government.” This decision was never implemented.
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Paper Title

UNDERSTANDING REPRODUCTIVE RIGHTS AND ABORTION

Abstract

\"This study examines the multifaceted dimensions of abortion, encompassing legal, healthcare, social, and ethical considerations. Through a comprehensive review of existing literature and analysis of relevant data, we investigate the legal frameworks governing abortion across diverse jurisdictions and their implications for access and reproductive rights. Additionally, we assess the availability, accessibility, and quality of abortion services within healthcare systems, identifying barriers to access and disparities in care. Furthermore, we explore public attitudes, cultural norms, and societal perceptions towards abortion, as well as the ethical and moral considerations surrounding this issue. Our findings highlight the complex interplay of factors shaping abortion practices and outcomes, underscoring the need for evidence-based policies and interventions to promote reproductive health and rights. This study contributes valuable insights to the ongoing discourse on abortion, informing advocacy efforts, healthcare practices, and policy reforms aimed at ensuring equitable access to safe and comprehensive reproductive healthcare services.\"
KEYWORDS : Reproductive Rights, Abortion, Contraceptive, Health Care Systems, Jurisdiction, Legal Framework

Paper Title

UNDER LAND ACQUISITION, CONCEPTUAL AND DOCTRINAL ASPECTS IN INDIA, COMPARISON WITH OTHER USA & UNITED KINGDOM

Abstract

This article aims to understand the conceptual note and doctrinal aspects of the study relevant to displacement under land acquisition. The concept of Eminent Domain can be understood from the general perceptions of legal principles, particularly the precedents and the law declared by the Indian Judiciary in different situations and contents A further dichotomy between the doctrine of eminent domain and the concept of public purpose is also explained in support of case laws. The Law of Land Acquisition is intended to legalise the taking up, for public purposes or for a company (now a days for corporate sectors), of land that is private to individuals, the owners and occupiers, and to pay equitable compensation, therefore calculated at the market value of the land acquired, plus an additional sum on account of compulsory. The word conceptual means:- It means related to ideas and concepts are formed in the mind and with those ideas while applying the latest trends try to replace the old laws with new laws within the same conceptual frame work and Doctrinal study means, the word means technique utilized by those endeavor research in regulation and specialist enquiry, what is the law in a specific case. It is worried about the examination of the lawful precept and the way things were created and applied.
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