Author (s) :

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1). Dr. Tulsi Raval, Smt. KSN Kansagara Mahila Collage, Rajkot, Gujarat, India
2). Dr. Krishna Ashutoshbhai Vyas, R K University, Rajkot, Gujarat, India

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Sectoral lending, bank credit, credit-deposit ratio, economic growth, regression, India

Abstract :

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This paper analyzes sectoral trends in bank lending in India from 2019 to 2025, including forecasts, with an emphasis on their impact on broad-based economic growth. By examining the dynamic allocation of bank credit across agriculture, industry, services, and retail, and evaluating the performance of the credit-deposit ratio, the paper assesses how these indicators intersect with India’s development trajectory. The findings reveal a growing dominance of industrial and retail credit, reflecting the changing priorities and structure of India’s economy. Statistical methods, including trend, share analysis, correlation, and regression, are used to support key conclusions.

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Author (s) :

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1). Prof. Kinjal Thaker, Darshan Institute of Management, Rajkot, Gujarat, India
2). Dr. Dhaval Vyas, Darshan Institute of Management, Rajkot, Gujarat, India

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entrepreneurship, India, challenges, economic growth

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This research paper explores the multifaceted landscape of entrepreneurship in India, examining its historical roots, contemporary challenges, and evolving dynamics. Drawing upon a range of studies, the paper delves into key aspects such as the role of entrepreneurship in economic growth, the impact of management education, the rise of the Indian startup ecosystem, and the specific experiences of rural, female, and differently-abled entrepreneurs. The analysis highlights the diverse challenges faced by Indian entrepreneurs, including access to finance, navigating regulatory hurdles, and overcoming societal and cultural barriers. Simultaneously, the paper underscores the significant contributions of entrepreneurship to India's economic and social development, emphasizing its role in job creation, technological innovation, and inclusive growth. By examining these diverse perspectives, the paper aims to provide a comprehensive understanding of the entrepreneurial journey in India, offering valuable insights for policymakers, educators, and aspiring entrepreneurs alike.

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Author (s) :

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1). Prit Kavathiya, Darshan Institute of Management, Darshan University,, Rajkot, Gujarat, India
2). Dr. Rhuta Mehta, Darshan University, Rajkot, Gujarat, India

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Social media marketing, purchasing decisions, young consumers, digital platforms, Influencer Marketing, and decision-making.

Abstract :

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This research work scrutinizes the impact of social media marketing on the purchasing behavior of young consumers aged 18 to 30. With the growing acceptance of digital platforms, companies are increasingly utilizing social media to promote their products and services. Influencer endorsements, personalized ads, and user-generated content are key strategies that significantly influence consumer decision-making. This research employs a Blended research strategy, combining surveys and interviews to gather acumens into how the young generation interact with social media advertisements and how these situations influence their purchasing behavior. The data reveals that influencers have a strong influence on consumer decisions by fostering trust and emotional connections through genuine and engaging content. Influencer marketing, online reviews, and targeted advertisements are key factors in shaping the preferences and final purchasing choices of young consumers. Additionally, targeted ads that align with users’ interests further encourage buying decisions. User-generated content, such as reviews and testimonials, helps build trust and plays a key role in shaping consumer decisions. However, a smaller group of respondents opt for not buying products through social media because of worries about potential fraud, trust issues, and sceptical about the products’ quality. This study gives valuable insights for businesses looking to enhance their digital marketing strategies and understanding how social media marketing is shaping young consumers' decisions, companies can develop more effective campaigns, strengthen customer relationships, and boost brand loyalty. The study highlights the importance of authentic, relatable content in capturing the attention of younger audiences in the digital marketplace. This study gives valuable insights for businesses looking to enhance their digital marketing strategies and understanding how social media marketing is shaping young consumers' decisions, companies can develop more effective campaigns, strengthen customer relationships, and boost brand loyalty. The study highlights the importance of authentic, relatable content in capturing the attention of younger audiences in the digital marketplace.

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Author (s) :

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1). Dr. Dignesh Panchasara, Y. S. Arts and K. S. Shah Commerce College, Godhra, Gujarat, India
2). Dr. Umesh Rabari, Anand Commerce College, Anand, Gujarat, India

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Cyberbullying, Indian Teenagers, Cyber Cells

Abstract :

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Cyberbullying has emerged as a serious public health concern among Indian teenagers, exacerbated by rapidly expanding internet access. This study synthesizes key findings on prevalence, psychological and social consequences, contributory cultural factors, and existing mitigation strategies. Notably, cyberbullying exposure correlates with depression, anxiety, social withdrawal, physical symptoms, reduced academic performance, substance use, and—even—suicidal thoughts. Interventions pursued in India include government cyber cells, legal reforms, helplines, NGO initiatives, and institutional policies. Still, research gaps remain, particularly around effective prevention in cultural contexts. The paper concludes with recommendations for mental-health education, parental engagement, technology regulation, and future longitudinal studies.

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