Authors

Dr. S. KARTHIKEYAN Assistant Professor of Commerce (Deputed from Annamalai University) Government Arts College, (Autonomous) Kumbakonam, Tamil Nadu

Abstract

Micro insurance is one of the formal financial serviceswhich promote social welfare of small scale entrepreneurs for developing sustainable growth on individuals and originations. Micro insurance is poverty alleviation contributing financial services of disadvantage group of people. Small scale entrepreneurs do not have access financial resources to met unexpected risk of loss recovery of claims support the surrender of policy. Small scale entrepreneurs are established new business for securing and safety needs have insured the business assets. Micro insurance is small amount of money consideration the huge loss to remove unexpected obstacles in life of the business sector. Insurance regulatory and development authority is newly created the special categories of schemes under micro insurance Act 2005. Micro insurance agent is primarily service sector based operating the insurance disbursed number of agent such as NGOs, SHGs and MFIs in India

DOI : 10.46528/DRSRJ.2020.V06I05N01.01

Authors

Dr.M.VETRIVEL, Associate Professor & Research Guide Department of Commerce VISTAS, Chennai-600117
Mr. G. TAMILMOZHI Ph.D Research Scholar Department of Commerce VISTAS, Chennai-600117

Abstract

The purpose of this paper is to determine what and how job-related and demographic variables are associated with performance of the BPO employees. This paper has made an attempt to find out the job stress factors affecting the performance of the employees. For this study 100 questionnaires has been issued to the employees working in various BPOs in Chennai city. Job stress is negatively related to performance. In other words, higher the stress, lower the performance. In India, the scenario of BPO sector is encouraging. Managing BPO employees in terms of creating fun at work, keeping them motivated towards organizational goals, increasing their job satisfaction, performance level and to retain them in order to sustain competitiveness in the markets are the major issues for any BPO organization. Stress at work is not a new phenomenon of modern lifestyles. The nature of work has gone through drastic changes over the last century and it is still changing at whirlwind speed. They have touched almost all professions, starting from an artist to a surgeon, or a commercial pilot to a sales executive. With change comes stress will appear automatically. Job stress poses a threat to physicalhealth. The business process outsourcing (BPO) industry in India has always been characterized by ungodly hours, monotonous job, low perceived value, dispirited efficiency resulting to high attrition level. Notwithstanding the ever rising attrition rate, it has become critical for the companies to satisfy their employees in order to retain them

DOI : 10.46528/DRSRJ.2020.V06I05N01.02

Authors

Dr. P. VEERAMUTHUM.Com., M.Phil., B.Ed., PGDCA., D-Cop., Ph.D., Assistant Professor and Research supervisor , PG & Research Department of Commerce Srimath Sivagnana Balaya Swamigal Tamil Arts & Science College, Mailam, Tamil Nadu, India
L.RANJITH M.Phil Research Scholar PG & Research Department of commerce Srimath Sivaganana Balaya Swamigal Tamil Arts & Science College Mailam-604 304

Abstract

This study explores satisfaction level of customers towards ICICI Prudential Life Insurance in Ulundurpetcity. Due to increasing awareness among people about their uncertainty of life and increasing competition in Insurance sector, it is significant for Insurance Companies to understand the requisite of their customers. The main aim of this study is to know the consumer satisfaction towards ICICI. This study is based on primary data which is collected through questionnaire among 250 policyholders in Ulundurpetand data were analyzed with multi variety statistical tools like percentage and chi-square analyses were used to identify the factors responsible for consumer satisfaction towards ICICI Prudential Life Insurance

DOI : 10.46528/DRSRJ.2020.V06I05N01.03

Authors

Dr.R. Ramanujam, M.A.M.Phil,B.Ed.,Ph.D Associate Professor, Post Graduate and Research Department of History, Sri S. Ramasamy Naidu Memorial College (Autonomous) Sattur – 626 203. Virudhunagar District
Dr. A. KAVITHA, M.B.A., M.Com., M.Phil., Ph. D, NET Associate Professor, Post Graduate and Research Department of History, Sri S. Ramasamy Naidu Memorial College (Autonomous) Sattur – 626 203. Virudhunagar District.

Abstract

The International trade is very much essential for the development of any country. It plays a vital role in the economy of each country. It allows to satisfy the needs of the population, which stimulates the internal development of the country. International trade is the exchange of goods and services between countries. The issues of international trade were considered by many economists. The representative of neo-classicism E.Heckscher is among them. According to him, foreign trade leads to an increase in the owners’ incomes, relative to excess factors of production and export of the product, and stimulates economic growth. Because at the time of globalization, one country’s people can easily buy or sell products to another country’s people..The importance of international trade in the world has been widely studied and also examines the role of international trade in the various issues. International specialization means that different countries of the world specialize in producing different goods. Trade policy formulation and implementation covering issues such as tariffs, incentives, quotas, taxes, customs and administration, subsidies, rules of origin, public procurement regimes, aid and investment, export promotion, trade facilitation and diversification. The role of foreign trade in achieving a quicker pace of economic development is thus well recognized. Hence, planning of foreign trade cannot be separated from the strategy of overall development. The objectives of this study were to analyze the importance of international trade on economic growth in India.

DOI : 10.46528/DRSRJ.2020.V06I05N01.04

Authors

Teena DHARIWAL, Assistant professor, Department of commerce A.M.JainCollege
Dr.M.RAJESH, Assistant professor, Department of commerce, D.B.JainCollege

Abstract

In INDIA women marked their presence in all sectors and projected their skill, talent, and knowledge.In the banking sector, inequality is visible in the form of a glass ceiling.The banking sector is also one such sector where inequality still exists and women find it difficult to break the glass ceiling. A survey was designed to collect data from a sample of 150 stakeholders in the banking sector in Chennai. The obstacles originated from various sources including organizational, social, work environment and work-life conflict. In the present study data collected from 6 banks in Chennai city with a simple statistical tool like percentage method has been made use to analyse the data and Likert scale point ranging from Always to Never. The findings of the study signalled that 6%of respondents are at top-level in the banking sector.An attempt has been made to identify the challenges and opportunities of women employees in the banking sector in Chennai.

DOI : 10.46528/DRSRJ.2020.V06I05N01.05

Authors

B. SANJEEVAN, M. Com, MBA, M.Phil, (Ph.D) Research Scholar, Department of commerce, Tamilnadu Open University, Chennai, Tamilnadu.
Dr.TAMIMARAN, Associate Professor Schhool of Management Studies Tamilnadu Open University, Chennai, Tamilnadu

Abstract

India is one of the last countries of its size of business and industry left where we still have sons and great grand -sons of entrepreneurs automatically promoted to the top with no tests given or questions asked. There is thus management by inheritance or management by chromosomes with the result that most of the companies in India are highly centralized and family-oriented in their organizational structure and are authoritarian in their approach to their employees. Myer’s from his interviews with industrialists, government officials, labor leaders and managers in both Indian and foreign-owned firms, concludes that though there are some exceptional companies, “many Indian top managements are relatively authoritarian in their relationships with lower managements and with labor.

DOI : 10.46528/DRSRJ.2020.V06I05N01.06

Authors

R. UMA RESEARCH SCHOLAR St. Joseph Arts and Science College, Cuddalore

Abstract

The study of agriculture marketing comprises all the operation, and the agencies conducting them, involved in the movement of farm-produced food, raw materials and their derivatives, such as textiles, from the farms to the final consumers, and the effect of such operation on framers, middleman and consumer. As different from marketing of agricultural products, fish marketing is confronted with certain peculiar problems. Greater uncertainty in fish production, highly perishable nature of fish, to make fish available to consumers at the right time and in the right place requires an effective marketing system. Finally, regarding the finance function, this study found that in particular large-scale trader’s face credit constraints. Most of the retailers borrow money from informal sources such as friends, relatives; a small portion of money personal savings.

DOI : 10.46528/DRSRJ.2020.V06I05N01.07

Authors

Dr.S.ANANDARAJAN, M.Com,M.Phil,Ph.D Assistant Professor and Head PG and Research Department of Commerce, SrimathSivagnanaBalayaSwamigal Tamil Arts and Science College, Mailam, Tamilnadu-604304
N. Saraswathi, M.Com, SrimathSivagnanaBalayaSwamigal Tamil Arts and Science College, Mailam, Tamilnadu-604304.

Abstract

The earlier traces of insurance are in the form of Marine Trade Losses and at the time bonds were used to cover accidental losses. After Marine Insurance, there was augmentation in the field of Fire Insurance. It is started Germany in the beginning of16th century and great fire in England in 1666 which resulted is burning of 85 percentages of the houses to ashes injected life, strength and continuity to the concept of Fire Insurance. Within the colonial augmentation of England the Fire Insurance spread all over the global. In IndiaGeneral Insurance started working 1850 and credit for the identical goes to the Triton Insurance,Calcutta.

DOI : 10.46528/DRSRJ.2020.V06I05N01.08

Authors

Mr.Y.TAMAZHIANMSW,MPhil,NET,SET Assistant Professor, Department of Social Work, BWDA Arts and Science College, Kolliyangunam

Abstract

Training can be introduced simply as a process of assisting a person for enhancing his efficiency and effectiveness to a particular work area by getting more knowledge and practices. Also training is important to establish specific skills,abilities and knowledge to an employee. The researcher adopted descriptive design for the study and fifty selected for the study.

DOI : 10.46528/DRSRJ.2020.V06I05N01.09

Authors

Mr.N.ELAVARASAN M.Com. M.Phil., B.Ed., Assistant Professor, PG & Research Department of Commerce SrimathSivagnanaBalayaSwamigal Tamil Arts & Science College, Mailam, Tamil Nadu, India
R.SUBHASHINI SrimathSivagnanaBalayaSwamigal Tamil Arts & Science College, Mailam, Tamil Nadu, India

Abstract

Compensation is a systematic approach to providing monetary value to employees in exchange for work performed. Compensation may achieve several purposes assisting in recruitment, job performance, and job satisfaction. An ideal compensation management system will help you significantly boost the performance of your employees and create a more engaged workforce that’s willing to go to the extra mile for your organization. Such a system should be well – defined and uniform and should apply to all levels of the organization as a general system. Plus you’ll enjoy clearer visibility into individual employee performance when it comes time to make critical compensation planning decisions. With effective compensation management you‘ll also enjoy clearer visibility into individual employee performance when it comes time to make critical compensation planning decisions. With effective compensation management you’ll also enjoy clearer visibility into individual employee performance when it comes time to make critical compensation planning decisions. These performance appraisals assist in determining compensation and benefits, but they are also instrumental in identifying ways to help individuals improve their current positions and prepare for future opportunities. Human resource is the most vital resource for any organization. It is responsible for each and every decision taken, each and every work done and each and every result. Employees should be managed properly and motivated by providing best remuneration and compensation as per the industry standards. The lucrative compensation will also serve the need for attracting and retaining the best employees.

DOI : 10.46528/DRSRJ.2020.V06I05N01.10

Authors

Dr. L. BALAMURUGAN Assistant Professor and Head Department of Business Administration Govt. Arts & Science College, Manalmedu Nagai District - 609 202

Abstract

Floricultural products exports bring a considerable amount of income to Indian economy and there is a huge development potential. Upcountry is a main cut flower production area in the country. This study’s focus is to identify the general information on cut flower production, marketing, problems and suggestions for the improvement. This is a descriptive study where field survey was conducted in three districts in India. Primary data were collected through face to face and telephonic interviews with 58 flower growers by using a pre-tested structured questionnaire. Discussions were held with flower exporters, flower sellers and personnel from Department of (National Botanical Gardens and Export Development Board) NATIONAL HORTICULTURAL BOARD. Snowball sampling methods were used to select the flower growers. Secondary data were collected from the books, research articles, institutional publications and internet. Data was analyzed using Statistical Package for Social Sciences (SPSS version 17). Majority (79.2%) of the respondents were females and mean age of the respondents was 51 years. Cultivation of food crops and flowers was the main source of income of the majority (74.5%). Gerbera, Chrysanthemum, Rose and Lilies were the main flowers cultivated and the average monthly income received from flowers was 28,250.96. Selling to the wholesalers visiting the village is the most prominent local marketing method for the growers. A continuous demand exists in the international market for cut flowers. Even though flower exporters are willing to buy flowers from the area, continuous and quality supply of flowers is a problem. Unavailability of proper market alone was identified as the main problem by 42.3% of respondents. It is recommended to motivate farmers for production planning. Export quality flower production at the village level, more tailor made trainings to growers, integrated approach to provide inputs, market and information in one package will provide solutions for the issues encountered in the sector.

DOI : 10.46528/DRSRJ.2020.V06I05N01.11

Authors

Dr. Gyanendra B. S. Johri, Associate Professor, Indira Gandhi National Tribal University, Amarkantak, M.P

Abstract

Micro-finance can be referred as a financial service for people of rural and urban areas where the small amounts of money are distributed for doing agriculture and other supporting non-enterprise kind of activities and self-employment. MFIs are having a great role in funding the SHGs and both MFIs and SHGs are liable to take part in the growth of financial inclusion in the country. This present study will elaborate this relationship in the context of Madhya Pradesh. This Study is based on secondary data and results are obtained from MS-Excel.

DOI : 10.46528/DRSRJ.2020.V06I05N01.12

Authors

Dr. Kuldeep Singh, Asstt. Professor (English) Govt. College, Bherian (Pehowa)

DOI : 10.46528/DRSRJ.2020.V06I05N01.13

Authors

Jaisawal Vaibhav Assistant professor Dept. of kaumarbhritya/Balroga Faculty of Ayurveda, IMS, BHU

DOI : 10.46528/DRSRJ.2020.V06I05N01.13

Authors

T. Deepa, Research Scholar,PG and Research Department of Commerce CA, Hindustan College of Arts & Science, Coimbatore
Dr.M.S.Loganathan, Research Supervisor, PG and Research Department of Commerce CA, Hindustan College of Arts & Science, Coimbatore

DOI : 10.46528/DRSRJ.2020.V06I05N01.14

Authors

डा. मीरा अि􀀙तवाल रीडर एस. ए. एस. आयुव􀀡द िच􀀢क􀀣सालय महािव􀀥ालय एवं िच􀀢क􀀣सालय, वाराणसी

DOI : 10.46528/DRSRJ.2020.V06I05N01.16

Authors

C. Kathiravan Associate Professor, Department of Business Administration, Annamalai University,
E. Chandramouli Lecturer in Physiotherapy, Division of Physical Medicine and Rehabilitation, Annamalai University, Doctorial Research Scholar Department of Business Administration

DOI : 10.46528/DRSRJ.2020.V06I05N01.17