Informatics Publishing Limited

Swapan Kumar Roy ¹, Suhas Roy ¹

Affiliations
1 Bethuadahari College, West Bengal, IN

Abstract

Education is an important and effective tool of social change and a means of improving the welfare of an individual. Higher education contributes to national development through dissemination of specialised knowledge and skills. Higher education institutions are a major source for providing the human capital required for knowledge production. In an environment of global competitiveness, it is important that the quality and standard of Indian higher education institutions is enhanced and sustained at a high level through innovation, creativity and regular monitoring. Here lies the importance of introducing Total Quality Management (TQM) in higher education. In this backdrop, an attempt has been made in this paper to discuss the concept of TQM and to examine the ways in which the quality of higher education institutions in India can be improved using the TQM mechanism.

Keywords

Total Quality Management, Human Capital, Knowledge Production, Sustained Growth.

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Suhas Roy ¹, Swapan Kumar Roy ¹

Affiliations
1 Department of Commerce, Bethuadahari College, West Bengal, IN

Abstract

Inequality is a problem which intensifies the plight of the poor people. The persistence of inequality prevents equal sharing of the benefits out of development processes. On many occasions, inequality rises with the increase in growth rate of the economies. Indian economy has witnessed this phenomenon in the post reform periods. There exists considerable income inequality across Indian states. This paper tries to examine the inter-state income inequality in India on the basis of NSSO data and IHDS data. It uses descriptive statistics like mean, median, standard deviation, range, quartiles, percentiles, graphs, and column and bar diagrams to analyse the concerned data. We find that income inequality has been increasing with time. Urban income inequality is dominating rural income inequality. Inter-state variation in income is significantly present in terms of the values of Gini Coefficients and median household income. There exists no definite mechanism to keep the state at the same rank in terms of inequality in subsequent periods. For this reason, in different rounds of survey the relative position of the states in terms of inequality changed. Rural-urban gap in terms of income inequality also does not follow any definite pattern.

Keywords

Inequality, Gini Coefficient, Household Income, Household Consumption Expenditure.

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Swapan Kumar Roy ¹, Suhas Roy ¹

Affiliations
1 Department of Commerce, Bethuadahari College, West Bengal, IN

Abstract

The advancement in information technology in banking sector has resulted in innovation of alternative delivery channels. ATM, internet, telephone/mobile banking, call centres etc. are the main non-branch delivery channels. ATM is one of the alternative delivery channels that allows the customers to have banking services without being physically present in the brick-and-mortar branches. It is designed to perform the most important functions of bank. Banks have been installing ATMs to increase their reach. Customers using ATMs can easily withdraw cash, deposit cash, transfer funds from one account to another and engage in many such transactions. These services make the customers happy, content and satisfied. In this backdrop, this paper attempts to discuss about the ATM services in different forms provided by different banks; examine and analyse whether ATM services provided by the banks satisfy the customers; and provides suggestions to improve customer satisfaction.

Keywords

Alternative Delivery Channel, ATM, Banking Services, Brick-and-Mortar Branches, Information Technology.

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Suhas Roy ¹, Swapan Kumar Roy ¹

Affiliations
1 Department of Commerce, Bethuadahari College, West Bengal, IN

Abstract

Job satisfaction of college teachers has paramount importance in the development of a country. These teachers supply the nation her workforce. The objective of the present paper is to find out whether institutional factors like pay, promotion, reputation of the institution, research or up gradation facilities, infrastructure of the college, medium of instruction, work environment and the like are responsible for differences of satisfaction levels as enjoyed by the college teachers. Teachers serving in the degree level colleges affiliated by different universities of West Bengal have been taken as samples for filling up a questionnaire containing 55 statements designed to constitute a 5-point Likert scale. The present paper found that pay and allowances, promotion, superannuation, college specific criteria, students related matter, examination-admission-election processes, infrastructure facilities, supervision, co-workers and stakeholders, work environment and community support have influences on job satisfaction of college teachers.

Keywords

Job Satisfaction, Institutional Factors, Pay, Promotion, Supervision, Work Environment, Community Support.

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Suhas Roy ¹, Swapan Kumar Roy ¹

Affiliations
1 Department of Commerce, Bethuadahari College, West Bengal, IN

Abstract

Job satisfaction of college teachers are affected by personal factors of the teachers, institutional factors and environmental factors. Environmental factors are other than personal (related with the teacher) or institutional (related with the college and the persons related with the college) factors. These include system variables like government policies, economic conditions of the state and the country, policies of the parental bodies like UGC, MHRD, Higher Educational Council, and affiliating university. In this paper, environmental factors of job satisfaction of college teachers have been considered to examine if they are significant determinants of job satisfaction. These include PBAS, Pay-packet system, ROPA, age of superannuation, transfer policy, increments for higher qualifications, unemployment problem, examination and students ' union election are expected to have significant contributions on job satisfaction of the college teachers. The results show that teachers' career related environment factors are significant in determining job satisfaction of college teachers. Similarly, students' behaviour under certain circumstances is also found to be significant.

Keywords

Performance Based Appraisal System (PBAS), Revision of Pay and Allowance (ROPA), Additional Increments Due to Higher Qualification, Career Advancement Scheme (CAS), Likert's Five Point Scale.

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Swapan Kumar Roy ¹, Suhas Roy ¹

Affiliations
1 Bethuadahari College, Nadia, West Bengal, IN

Abstract

The use of innovation and computerization of the banking sector of India has increased manifold after the economic liberalisation of 1991. Banking industry has grown by leaps and bounds with the inception of electronic banking. Net banking, which is destined to be the future face of banking services, provides a lot of benefits to the customers like bill payment services, fund transfer, credit card customers, cheque deposit inquiry, view balances, and many more. Although online banking sites are heavily encrypted with the developing technology, it is still hard to rule out the 'hackers' who may obtain access to information related to personal identification and password. So the customers must be aware of the security issues and protect their identity and other personal details from hackers. In this backdrop, this paper highlights the growth of net banking and the reasons behind its gaining popularity. It then provides prescriptions before using net banking, and discusses the legal aspects relating to online banking operations. Further, it focuses on the challenges and opportunities of 'online banking'.

Keywords

Economic Liberalisation, Electronic Banking, Credit Card, Hackers, and Internet Security.

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