June 2023 Vol 3 Issue I

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2301


1). Ms. Deepti Shastri Gupta, IPS Academy, IBMR Indore M.P. India, Indore, Madhya Pradesh, India
2). Dr. Vivek Singh Kushwaha, IPS Academy, IBMR Indore M.P. India, Indore, Madhya Pradesh, India

Keywords :


Gold Loan, Principal Component Analysis

Abstract :


As lending requirements have risen and consumer attitudes of gold loans have changed over time, the well-organized gold loan market in India has grown tremendously. The ability to finance the purchase of gold is a recent development in the market. Examining the demographic traits of gold loan providers particularly the staff involved in the research region and determining how conveniently they are in the jewelry loans business. A sample of 774 respondents was used in this study along with Likert's Scaling and applied Principal Component Analysis to determine the factors affecting gold loan sourcing and repayment of gold loan.


No of Downloads : 24

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2302


1). Dr. Shailesh Singh Thakur, IPS Academy, IBMR , Indore , M.P., India
2). Dr. Sajan Khatri, Government Girls College, , Datia, M.P, M.P., India
3). Dr. S.P. Tripathi, IPS Academy, IBMR , Indore, M.P. , India

Keywords :


Financial Planning, Retirement planning, investment avenues for retirement, t test.

Abstract :


The study is explanatory research that aims to identify the various goals of retirement planning and investors' preferences for particular asset classes in order to meet those goals. According to the study, there is a connection between retirement planning and the various factors that influence it. 1144 working people in all, representing various age groups, had taken part in the study. Age, occupation, and income level were among the relevant characteristics that the research identified in the prediction of working people's retirement planning objectives and investing preferences toward asset classes. The study's findings will be useful in understanding working people's goals and preferences for retirement.


No of Downloads : 25

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2303


1). Dr. Engr Gazi Farok , Toronto Metropolitan University, Toronto, Ontario, CANADA

Keywords :


Market, Technology, Financial, Product, Manufacturing

Abstract :


Global strategy is a plan to help a company grow from an international business that operates facilities like factories and distribution centers on the globe. It shapes the values of managers and other organization members, point’s people in common directions, helps build institutional identity, gives character to the organization in the eyes of employees and external stakeholders, backs up the mission statement, and guides the behavior of organizational, members in meaningful and consistent ways. There are operating objectives: profitability, market share, human talent, financial health, cost efficiency, product quality, innovation, and social responsibility. Analysis of organizational resources, capabilities and potential core competencies are special knowledge or expertise, superior technology, efficient manufacturing approaches, unique product distribution systems.


No of Downloads : 15

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2304


1). Mr. Dipamkumar Raval, Bhakta Kavi Narsinh Mehta University, Rajkot, Gujarat, India
2). Dr. Jayeshkumar R. Vasava, Dr. Subhash Mahila Arts, Commerce & Home Science College, , Junagadh, Gujarat, India

Keywords :


Emotional Quotient – EQ, Intelligence Quotient – IQ, Self-awareness, Motivation, Empathy, People skills

Abstract :


The word intelligence quotient (IQ) is sometimes compared with the phrase emotional intelligence (EQ). Many of us are familiar with the concept of an individual's IQ being determined by the score they achieve on a battery of tests designed to evaluate their intellectual capacity. Those with higher IQs have superior cognitive abilities, which include the capacity to learn and comprehend, and they are more likely to succeed academically. Higher IQs are an indicator of better cognitive abilities. Emotional intelligence (EI), measured as an Emotional Intelligence Quotient (EQ), describes a concept that involves the ability, capacity, skill, or a self-perceived ability, to identify, assess, and manage the emotions of one's self, of others, and of groups. Intelligence Quotient is a measure for a person's intelligence. Emotional Intelligence Quotient (EQ) is a measure for a person's emotional intelligence. The notion of emotional intelligence (EQ) contends that traditional intelligence, sometimes known as IQ, is overly limited, and that there are broader aspects of emotional intelligence that dictate and permit the degree to which we are successful. Emotional intelligence is a skill that is extremely valuable in the business. It is commonly considered that having strong cognitive abilities will help one land a job, but that having strong emotional intelligence will help one advance in their career. Individuals who are higher up in the organisational hierarchy are expected to have a higher level of emotional intelligence than those who are lower in the hierarchy. It is commonly held that an individual's capacity for emotional intelligence is at least two times more essential in the job than their analytical and technical talents. The current study examines the idea of emotional intelligence as an essential component of professional development and focuses on the significance of this notion in the context of the working environment.


No of Downloads : 13

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2305


1). Dr. Nitin R. Suba, Smt. C.P.Choksi arts and Shri P.L.Choksi commerce college,, veraval, Gujarat, India
2). Dr. Rajendra B. Patoliya, Smt. C.P.Choksi arts and Shri P.L.Choksi commerce college, Veraval, Gujarat, India

Keywords :


Digital Banking, Customer Satisfaction, Internet Banking, UPI, Service, Quality, Responsiveness, Privacy

Abstract :


The sphere of digital banking services has extended in all the directions of the banking transactions in such a way that no bank can stay away from the transformation of traditional banking affairs in digital modes. Over the span of last 20 years, starting from basic Internet banking to UPI and digital currency we are now on the verge of entry into a completely new world of banking where traditional modes of banking routines may just be remembered as we remember radios in the era of Internet. However, in India, we know changes in banking stream take place but later than other countries due to its large, diversified and complicated customer base. Although, we have a long way to go for complete transformation, many pioneer banks have travelled significant distance in the direction of digital banking. Indian banking system has two major counterparts, public sector banks and private sector banks. Almost all banks have done significant progress as far as involvement of digitalization is concerned. For the purpose of study, researchers have picked up two banks as the representative of their own category. SBI from public and HDFC bank from private category. Both are giants and undoubtedly placed at first rank by size in their respective categories. This paper is intended to comparatively study the impact of digital banking service on customer satisfaction with the help of a statistical analysis of the data collected through a specifically prepared questionnaire. The questionnaire is devised to collect data under 5 different parameters that can justify the effectiveness of digital banking. The five parameters are Service Quality, Responsiveness, Privacy and Security, Ancillary services and Resolution of Issues. Collection of data through a questionnaire, sorting and categorizing the data bank wise and parameter wise, application of statistical analysis–T-test, extract findings and derive at conclusions are the main components of our research design. This area of research is also not uncovered by researchers but this paper has been prepared with different variables, parameters and samples that distinguish it from previous research.


No of Downloads : 18

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2306


1). Mr. Shrey Bhupatkar, Department of Commerce, Saurashtra University, Rajkot, Gujarat, India
2). Dr. Shailesh N. Ransariya, Department of Commerce, Smt. KSN Kansagara Mahila College, Rajkot, Rajkot, Gujarat, India

Keywords :


Public Sector Banks, Gross NPA, Net NPA, Priority Sector Advances

Abstract :


The Banking sector is vital for growth in any country. The bank provides loans to the different sectors of the country. This loan, due to some reasons may be unpaid up to certain time, gets converted into non-performing asset. The banks need to classify the assets into standard, sub-standard, doubtful and loss assets as per the class of assets. This study attempts to assess the levels of Gross and Net NPA levels in selected banks. Results show the significant difference between Gross NPA Ratio, Net NPA Ratio and Priority Sector Advances of Selected Banks. The accounting ratios and One way analysis of Variance were used for the hypothesis testing for the study. Furthermore, by assessing the Priority Sector Advances with Net NPA levels, the correlation was found significant in Punjab National Bank and insignificant in State Bank of India and Bank of Baroda.


No of Downloads : 24

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2307


1). Ms. Hetalben J. Shanaliya, Department of Commerce and Business Administration Saurashtra University, Rajkot, Gujarat, India
2). Ms. Nishita Thakrar, Atmiya University, Rajkot, Gujarat, India

Keywords :


Value added statement, Generation of value added, Application of value added, GVA, NVA

Abstract :


In this paper researcher analysed Generation of value added and Application of value added of selected sample. Researcher has select two Sample Company; Titan Ltd and Rajesh export. Sample is selected by using simple random sampling technique. 2018 to 2022 five years are selected as a study period. Aim of this study is to know Gross value added and Net value added based on value added statement. Researcher used t-test as statistical tools and Value added ratios as an accounting tools


No of Downloads : 16

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2308


1). Mr. Kalpesh P. Gandhi, Government Arts and Commerce College, Jafrabad, Gujarat, India
2). Ms. Amita R. Vora, Department of Management at Shri Satyaprakash College of Management and Computer Science, , Rajkot, Gujarat, India

Keywords :


effect of inflation, theatre, and movie.

Abstract :


Entertainment requires for the joy of life and it comes from different activities apart from economic activities. People earn to spend for improve their standard of living and entertainment comes as one of the factor for it, whatever be the source of entertainment but it requires. The present study is about the spending of people towards the theatre for watching movie and the effects of inflation on it. The objective of the study is to analyse the effect of inflation on the spending for it. This is based on primary data for which structured questionnaire has been formed and circulated and total 174 responses have been collected from the Saurashtra region of Gujarat state, India. To check the association with the different demographic variables, Chi-square technique has been implemented and from that, it has been found that the different categories of respondents like lower income groups, age group of 18 to 25 and above 46 and upto graduated people have decreased the spending towards the theatre due to inflation.


No of Downloads : 16

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2309


1). Mr. Sayan Banerjee, NA, Delhi , Delhi , India

Keywords :


Net Asset Value, Absolute Returns, Standard Deviations, Beta, Sharpe Ratio

Abstract :


For the last two decades the topic performance evaluation of mutual funds has taken much of time of researchers. Based on commonly used metrics the performance evaluation have been done. Several researchers have tried to analyse the performance of mutual fund schemes by using above commonly used parameters. But in most of these studies analyses have been using already computed secondary data. Computation procedures have been ignored. The present study is aimed at fulfilling this gap. In this paper efforts are there to give an insight to the computation procedure of rating methodology that are being applied widely.


No of Downloads : 16

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2310


1). Ms. Krishna Thakkar, NA, Rajkot, Gujarat, India
2). Mr. Nimit Ganatra, Christ Institute of Management, Rajkot , Gujarat, India

Keywords :


Electric vehicles, Market analysis, Consumer perspective, Policy landscape, Infrastructure, EV adoption, Charging infrastructure, Consumer awareness, Affordability, Government initiatives, Carbon emissions, Fossil fuels, Environmental impact, EV penetration, Attitudes, Perceptions, Preferences, Industry players, Stakeholders, Marketing strategies, Key players

Abstract :


Electric vehicles (EVs) have emerged as a promising solution for reducing carbon emissions and mitigating the negative impact of fossil fuels on the environment. In India, the government has taken significant steps to promote EV adoption and achieve its ambitious target of 30% EV penetration by 2030. However, the EV market in India still faces several challenges that need to be addressed for successful implementation. This review paper analyzes India's EV market from a consumer perspective, policy landscape, and key issues. It examines the current state of the EV market, including available vehicle types, pricing, and infrastructure. The study also analyzes government policies and initiatives to promote EV adoption and their impact on the market. Additionally, the paper explores key issues hindering the market's growth, such as charging infrastructure, consumer awareness, and affordability. The consumer perspective on EVs, including attitudes, perceptions, and preferences, is also investigated. By providing insights into the current state, challenges, and potential growth opportunities in the Indian EV market, this paper aims to assist policymakers, industry players, and stakeholders in making informed decisions and developing effective strategies for EV adoption.


No of Downloads : 11

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2311


1). Mr. Path Bhatt, Bhakta Kavi Narsinh Mehta University, Junagadh, Gujarat, India

Keywords :


E-commerce, Online buying, Offline buying, Traditional Commerce

Abstract :


E-commerce is currently one of the biggest concerns for customers when deciding whether to purchase from a physical store or online due to the abundance of options available for both online and offline purchasing. If we look at the past, we can observe that there were no online purchasing platforms and that all customers purchased their goods and services from physical retailers. However, many consumers now purchase goods from internet stores in order to save time and money. They believe that although we can compare our products with one another when we purchase something from an online store or website, we cannot do so when making an offline purchase. We cannot save time, money, or other resources if we conduct offline purchases in the same manner. Therefore, the purpose of this article is to analyse online and offline purchasing, compare them, and determine which is superior.


No of Downloads : 21

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2312


1). Mr. Nimit Ganatra, Christ Institute of Management, Rajkot , Gujarat, India
2). Ms. Jainisha Pandya, Christ Institute of Management, Rajkot , Gujarat, India

Keywords :


Hybrid work, remote work, in-office work, COVID-19, workforce, organizations, technology, work-life balance, productivity, communication.

Abstract :


The COVID-19 pandemic has led to a significant shift in the way we work. Many organizations in India have adopted a hybrid work model, which combines remote work and in-office work, to ensure business continuity and employee safety. This paper explores the rise of hybrid work culture in India, its benefits and challenges, and its impact on the workforce and organizations. The study also examines the factors that contribute to the successful implementation of a hybrid work model and the role of technology in enabling hybrid work. Primary data for the study was collected through interviews with HR managers and employees of various organizations across different sectors in India. The findings of the study indicate that hybrid work is here to stay, and it offers several advantages such as improved work-life balance, increased productivity, and reduced costs. However, challenges such as maintaining team cohesion and communication, managing employee well-being, and ensuring data security must be addressed while assessing its impact.


No of Downloads : 14

Author (s) : DOI : 10.56360/DIJCM/3.I.2023.2313


1). Ms. Krishna Thakkar, NA, Rajkot, Gujarat, India
2). Prof. Prashant Kachhela, Darshan Institute of Management, Rajkot, Gujarat, India
3). Prof. Bhavin Joshi, Darshan Institute of Management, Rajkot, Gujarat, India

Keywords :


Behavioral economics, financial decision-making, crisis, cognitive biases, heuristics, emotional factors.

Abstract :


This review paper examines the value of behavioural economics in understanding how people make financial decisions in difficult circumstances. The research offers insight on the cognitive biases, heuristics, and emotional elements that influence people's financial decisions in the middle of a crisis by examining the interaction between human psychology and economic behaviour. This paper presents the major insights acquired from behavioural economics and its applications in understanding and forecasting financial decision-making during moments of uncertainty through a review of pertinent literature and case examples. Policymakers, financial institutions, and individuals can make better judgements during crises if they are aware of certain behavioural factors.


No of Downloads : 15

Author (s) :


1). Mr. Yashpalsinh S. Zala, Cognikite Consulting Inc., Rajkot, Gujarat, India

Keywords :


Work life Balance, Women worker, Education sector, stress management

Abstract :


This paper’s aim is to judge the Work life balance of women in education sector. For this we have taken four different sectors of education as sample like primary schools, high schools, graduation& post-graduation colleges. Through this research we want to find out the effects of family life on women ‘s job performance and work attitudes. The significance of the work – related stressors are evidently greater than that of the stressors associated with the family function, although the relationship between family functioning, stress and well – being is also significant.


No of Downloads : 58

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