Need of the Hour: Awareness on Green Banking Products

Human beings for their self-centeredness, warmth, and leisure in their life, have chosen the avenue of globalization, technological advancement, and industrialization. The price that they are paying for this avenue is the catastrophe of biodiversity, climatic changes, global warming, depleting resources, melting of glaciers, and the catastrophe of greenery. Hence environmental sustainability and sustainable development have turned into a crucial agenda in the global association. India is a rapidly flourishing nation which is backed by the industrial sectors, yet it is exposed terribly to climatic change and global warming. Due to this alarming plight, the banking sectors who are the chief financial supporter of industries that cause pollution have taken a small start: Going Green. This has given push up to the conception of green banking and it has given birth to green banking products. The green banking products target cutback of carbon impression, resource-efficient economies, and ward off wastage of the accessible limited resources. It is focused upon moving towards banking practices that are non-hazardous to the environment and aids to conserve it. These green banking products initiatives have recently kick-started in a handful of banks across the country. Fueling of green products is required at a quick pace than anticipated, as they have a close association with other sectors that forms the country’s economy. This paper skates through the Need of the Hour and the awareness on Green Banking Products.

Modeling of Motor Insurance Extreme Claims through Appropriate Statistical Distributions

In the area of insurance, probability modeling has a wide variety of applications. In life insurance, the compensation sum is calculated in advance and may often be estimated using actuarial techniques, while in motor insurance, the claim amount is generally not known in advance. In the insurance business, the improvement of actuarial risk control strategies is an essential technique for controlling insurance risk. Although an insurance company’s risk assessment about its solvency is a complex and detailed problem, its solution begins with statistical modeling of individual claims’ amounts. This article emphasizes the possible ways of obtaining a suitable probability distribution model that accurately explains insurance risks and how to use such a model for risk management purposes. For this reason, we have applied modern programming techniques and statistical software implemented the methods provided based on data on premium amounts of third-party motor insurance claims.

Customer Relationship Management (CRM)Practices of Public and Private Sector Banks

The banking sector plays a crucial role in the economic development of a country. For the success of any bank customers’ play a prominent role in its growth. Implementing good customer relationship management practices improves the profits of banks. Retaining the customer and convert the customer to be a loyal one is most protruding. For the bank, retentions attain a greater benefit compare with acquiring new customers. Sustain the old customer is much more pivotal than attracting the new one. For this, effective customer relationship management practices help in the returns of the bank. Customer service and satisfaction differentiate the virtuous banking sector. The present study focuses on comparing the customer relationship management practices of public and private sector banks. A survey is done with 1200 customers using the convenience sampling method. 600 respondents from SBI & Andhra bank of public sector banks and the remaining 600 are from HDFC and ICICI banks of the private sector were chosen for the survey. An Empirical study with descriptive statistics, mean and frequency distribution, chi-square, mean ranks, reliability analysis is used to evaluate data. From the findings, it is observed that customers opted for public sector banks for the trust factor, and for effective products and services customers are satisfy more with private sector banks than compared with public sector banks.

Impact of Cynicism Behaviour on Employee Engagement

An Employee is the pillar of strength in an organization, his contribution towards work is vital. Several problems are faced by an employee while working in the organization; it can be in the form of his work life balance, interpersonal relationship with his superiors or colleagues, health issues, job satisfaction, and job commitment. The word ‘Cynicism’ denotes the belief that people always act selfishly. Employee Cynicism refers to an attitude that arises due to frustration, hopelessness etc. Now-a-days,Employers are willing to recruit an employee who is engaged in the organization for the long period. Engaging an employee with the organization is a difficult task. Employee Engagement insists to make an employee aligning with the company vision, mission, and goals. The researcher wants to study the impact of Cynicism behaviour on Employee Engagement at the workplace.

Out-Patient Attitude towards Hospitals during COVID-19 in India

COVID-19, one of the worst pandemics in recent years, have changed the face of our world. Every sector has been experiencing a tug in unexpected directions than anticipated. Often it is said that the healthcare sector is facing a boom in this COVID-19 episode, nevertheless there has been a decline of out-patient segment in hospitals. An out-patient is one who visits a hospital for treatment without staying overnight. Through this time of uncertainty where a new normal is being burgeoned, the people’s attitude towards healthcare has shifted a great deal. Predominantly out-patients are hesitant to continue with their regular physician visits by delaying or avoiding unneeded visits. People with underlying diseases, both which are at low risk or at high risk, find themselves at higher caution due to the COVID-19. This study focuses to understand the attitude of out-patients and of out-patient’s with risk during this COVID-19 pandemic towards hospitals in India. Online or Tele medical consultation has picked up momentum among out-patients during the COVID-19 Unlock phase which shines a possibility as a new normal in the healthcare industry.

A study of Competency-based Approach to Identify High Performers among Disaster Management Professionals

In today’ s times, while measuring an organization’s performance in terms of best results, productivity, and profits, more and more is referred not to the material resources, but to the human resources and their competencies in terms of knowledge, skills and attitudes. Human resource management system is a process of making people and organizations to come together so that the objectives of each other are met with a win-win approach. Competency is an underlying feature of an individual which enables him/her to deliver superior performance in a given job, role or any situation. Competency mapping is one of the prominent human resource management initiative to identify the knowledge, skills and attributes required to perform a job effectively and efficiently in best possible manner. At present, development of competencies has become one of the key priorities of the organizations. It is also important to realize the factors responsible for enhancement of the competencies to ensure high performance of the employees. This calls for the Human resource management to initiate for competency mapping and identifying the skills affecting the employee’s performance at workplace. Now a days, most of the organizations are utilizing the competency mapping as a tool to identify high performers. The present study focuses on identifying the competencies for Disaster management professionals that enhances their performance in the management of disasters. The study describes the main goal of conducting competency mapping and how it influences the performance of the disaster management professionals. The overall objective of the study is to explore the factors which ensure high performance of the disaster management professionals. The study validates that competency-based management and related HR practices are gaining momentum in the field of Disaster Management sector in the context of performance management of the disaster management professionals.

The New Deep Web Drug Market Place (And the role of Bitcoin as a currency for drugs)

Drugs are a true menace to our society today. “Drug use on the rise” is an increasingly common headline in newspapers and it is well-known that this is the case. With the topic of drugs becoming more and more common in popular media, youngsters are especially influenced to try drugs. This is not a new problem, as such, and has been a relevant issue in modern society. Coupled with this, the internet plays a huge role in spreading information about emerging drugs (such as synthetic and ‘designer’ drugs). [2] This paper aims to understand the role of the internet’s Deep Web [3] and Bitcoin (and other Crypto currencies) in dealing drugs online.

Study on Representation of Gender in Indian Print Media: A Semiotic Analysis of Fast Moving Consumer Goods (FMCG) Advertisements

The categorisation of gender into femininity and masculinity is purely a social construct. Advertising is a social institution which plays a significant role in the promotion of notions of gender identities at a symbolic level (Gilbert and Taylor, 1991). The purpose of this study is to understand the manifestation of masculinity and femininity in contemporary Indian print advertisements of popular Fast Moving Consumer Goods(FMCG). This study uses the theory of visual social semiotics for the analysis adopting the framework propounded by Gunther Kress and Theo Van Leeuwen (1996;2006). The representational and interactive dimensions from the framework will be used for the analysis of the advertisements. This will be further thematised to understand the nature of the representation of masculinity and femininity in them. It will also provide an insight into the relationship between the viewers and participants of these advertisements. The data for the current study includes three popular Indian magazine advertisements of FMCG products published between the years 2019-2020, selected using a purposive sampling technique.

Consumer Expectations on Supermarkets in Organized Retailing

The study emphasise on the consumer expectations on supermarkets in organised retailing and factors which acts as driving force for consumers to opt for the same, with reference to Chennai city. The sample size is 120 respondents who were retail customers of Supermarkets under Non- Probability Judgment Sampling method. The growth of Supermarkets of India in recent years has been witnessed due to increased consumer expectations. As most of the retail segments try to find their way to come out of the COVID-19 pandemic, it must be noticed that the consumers are already evolving at great speed in their expectations in all fields. At the pandemic situations, people try to venture out most importantly for essential items with the available outlets, taking care of all safety measures. The immediate next option available for consumers is online shopping. The blowout of virus has not only changed the way how consumers shop, but also their buyer behaviour pattern and what they actually expect from retailers. By 2025, India is expected to become the world’s third largest economy as it is experiencing the world’s fastest growing economies. According to various reports, it is known that these new spending and shopping patterns is expected to continue even after the crisis comes down. With more developments as well as challenges in the field of organized retailing, consumer preferences are changing from region to region.

Retrospection of Knowledge, Attitude and Practices on the sustainability in contemporary scientific literature 2015 to 2020

As the nations united for urgent solutions during urgent times as per the direction of United Nation on Sustainability Development Goals (SDGs), the present study attempts to explore the existing literature reviews on KAP towards sustainability in various sectors. People wish to adopt to the sustainability in order to chime in with the nature and its systems as it will contribute positively to them. Research papers related to this study are gathered from the potential sources, organised and sequenced to understand the most, moderate and least addresses sector. Within the review the researcher provides a snapshot of the methodology and findings of each study. The sectors to be focused more in the future studies are agriculture, construction and banking.