Informatics Publishing Limited

M. Selvakumar ¹, V. Abinaya ¹, V. Sathyalakshmi ¹, R. Mohammed Abubakkar Siddique ¹

Affiliations
1 P.G. and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Virudhunagar District, Tamilnadu, IN

Abstract

The construction industry is an essential contributor to the process of development. Roads, dams, irrigation works, schools, houses, hospitals, factories and other construction works are the physical foundation on which development efforts and improvement of living standards are established. The products of the construction industry are investment or capital goods. Thus construction industry has linkage with rest of the economy in terms of generation of output and employment. The construction sector has the largest number of unorganized labourers in India next only to the agricultural sector and almost half of the workforce is unskilled labourers with no occupational mobility. Often they face serious problems/constraints related to work, viz., lack of continuity, insecurity, wage and gender discrimination, gender and sexual harassment, unhealthy job relationship, lower wages, and poor job satisfaction. As the discrimination is more among the workers in construction industry, this study analyses the relationship between socio economic conditions and work behavior of coolie workers of construction industry.

Keywords

Coolie Workers, Working Behaviour, Construction Industry.

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M. Rifaya Meera ¹, R. Padmaja ², R. Mohammed Abubakkar Siddique ²

Affiliations
1 Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Tamil Nadu, IN
2 Post Graduate and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Tamil Nadu, IN

Abstract

The current study makes an attempt to know the customer attitude towards usage of plastic money. Technology has drastically changed all the sectors including the financial sector, and the transactions in the banking system have also undergone a remarkable change. The traditional concept of payment through cash is replaced by the credit cards or the debit cards called 'plastic money' that people are using to draw money or to make purchases. This exacting research focuses on the opinion about the acceptance of plastic money, its usability and affordability while they are making an impact on its preference of use in Sivakasi. Data have been collected from 100 respondents using a structured questionnaire covering students, government employees, private organization employees and businessman. It is found that most of the respondents are using plastic money usually for shopping and online purchases and also for purchasing expensive products. It was found that customers prefer plastic money over paper money and the major benefit that the card provides to the customers is the convenience and accessibility. The major problem according to them is the bigger transactional costs and redundant formalities to acquire the cards from the financial institutions. They felt that the future of plastic money is vivid.

Keywords

Plastic Money, Financial Sector, Credit Cards, Debit Cards, Sivakasi, Customers.

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M. Selvakumar ¹, R. Mohammed Abubakkar Siddique ¹, V. Sathyalakshmi ¹

Affiliations
1 Department of Commerce (PG-R), Ayya Nadar Janaki Ammal College, IN

Abstract

The present research work is undertaken to analyse the sources of penetration and level of penetration. A Source of penetration is defined by actions a firm takes to communicate with end users, consumers and external parties. It covers the five subsets, such as advertising, sales promotion, direct marketing, personal selling and public relations. In this study, the researcher has applied the factor analysis to analyze the customers' opinion towards the sources of penetration. In order to analyze the sources of penetration and level of penetration, the researcher has used discriminant analysis. The result reveals that 18.6% of variables predict the level of penetration. Moreover, Advertising and Direct Marketing are the most important sources that discriminates the level of penetration.

Keywords

Advertising, Sales Promotion, Direct Marketing, Personal Selling, Public Relations.

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M. Selvakumar ¹, V. Sathyalakshmi ¹, R. Mohammed Abubakkar Siddique ¹, M. Eswari ¹, P. Packia Lakshmi ¹

Affiliations
1 P.G. and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Virudhunagar District, Tamil Nadu, IN

Abstract

Indian banking industry in current scenario is booming and undergoing a rapid growth. Emergence of new generation private and foreign banks in Indian banking sector has raised competitiveness in the industry. The present study aims at identifying the extent to which the service quality of a bank affects its competitiveness. The outcome of the study reveals the current perception about banks, ischolar_mained in minds of customers which could be useful in formulating the strategies in future operations of the banks and for attainment of its goals in this competitive scenario.

Keywords

SERVQUAL, Commercial Banks, Expected Service Quality, Perceived Service Quality.

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M. Selvakumar ¹, R. A. Jeyakumar ², V. Sathyalakshmi ¹, R. Mohammed Abubakkar Siddique ¹

Affiliations
1 P.G. and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Virudhunagar District, Tamil Nadu, IN
2 Department of Commerce, Rajapalayam Rajus’ College, Rajapalayam, Virudhunagar District, Tamil Nadu, IN

Abstract

Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) was passed by the government of India on August 5, 2005. The basic objective of the Act is to enhance livelihood security in rural areas by providing at least 100 days of guaranteed wage employment in a financial year to every household whose adult members’ volunteer to do unskilled manual work. MGNREGA is a powerful instrument for ensuring inclusive growth in rural India through its impact on social protection, livelihood security, and democratic empowerment. It attempts to bridge the gap between the rich and poor in the country. The MGNREGA stipulates that works must be targeted towards a set of specific activities which provides an opportunity to build rural infrastructure through water conservation and harvesting, renovation of water bodies, land development, soil erosion, soil control, rural connectivity, and so on. In this proposed study, aim is to analyze the awareness of beneficiaries about the provisions of transparency in sanction and implementation of works under MGNREG Scheme in Virudhunagar District by using Sign test. Sign test is the non-parametric test with a simple procedure of plus and minus sign.

Keywords

Beneficiaries, MGNREG Scheme, Provisions.

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M. Selvakumar ¹, B. Arumugam ², V. Sathyalakshmi ¹, R. Mohammed Abubakkar Siddique ¹

Affiliations
1 Department of Commerce, Ayya Nadar Janaki Ammal College, IN
2 Department of Commerce, Annai Fatima College, IN

Abstract

The purpose of this paper is to analyze the relationship between socio economic status and customer expectation on corporate social responsibility of banks in Virudhunagar District. The researcher has applied Chi-square test to study the relationship between the socio-economic variables and their level of expectation of Corporate Social Responsibilities of banks. The Chi-square test reveals that there is no relationship between literacy level, period of transaction and category of bank and their level of expectations towards the CSR activities of banks. This study also reveals that there is a relationship between gender, age, place of residence, educational status, occupation, monthly income and type of account and their level of expectations towards the CSR activities of banks.

Keywords

CSR, Banks, Chi-Square Test, Corporate Social Responsibility.

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M. Selvakumar ¹, H. Janani ¹, V. Sathyalakshmi ¹, R. Mohammed Abubakkar Siddique ¹

Affiliations
1 Department of Commerce, Ayya Nadar Janaki Ammal College, IN

Abstract

The economic growth of the country is an indicator for the development of the banking sector. The Indian economy is expected to grow at a rate of 5 to 6 percent the country’s banking industry is probable to reflect this growth. The banking sector is laying greater importance on providing enhanced services to their customers and also advancement their technology infrastructure in order to increase the customer’s overall experience as well as give banks a competitive edge. After introduction of New Generation private sector commercial banks, the banking industry underwent key changes. The Indian banking industry was dominated by public sector banks. At present, the position has changed private sector banks with use of technology and professional management has gained a realistic point in the banking industry. This paper examined the performance of new generation private sector banks in India and also compares the performance of banks which are coming under new generation category using certain financial performance parameters during the period from 2008-09 to 2014-15. The researcher has applied some statistical tools such as ratio analysis, average and Friedman’s test through SPSS. The study shows that Kodak Mahindra Bank has the first largest new generation private sector banks in India.

Keywords

Performance, New Generation Private Sector Banks, Axis Bank, Development Credit Bank, HDFC Bank, IDBI Bank, ICICI Bank, Indusind Bank, Kotak Mahindra Bank and Yes Bank.

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R. Mohammed Abubakkar Siddique ¹, M. Selvakumar ¹

Affiliations
1 Department of Commerce, Ayya Nadar Janaki Ammal College, Tamil Nadu, IN

Abstract

This paper aims to analyze the socio-economic and banking profile of the customers and the level of banking penetration of rural areas of Sivakasi. This study contains both primary data and secondary data. The researcher has used convenient sampling technique for the selection of the 200 sample respondents. Percentage analysis is used throughout the study. The researcher has applied the Chi-Square test by using of SPSS to test the relationship between socio-economic profiles of the respondents such as gender, age, educational status, family monthly income, and employment status, and their level of penetration. The Chi-Square test result reveals that there is no significant association between gender of the respondents and the level of penetration and there is significant association between socio-economic variables such as age, educational status, family monthly income, and employment status, and the level of penetration. In order to find whether the level of penetration differs on the basis of type of bank, purpose of opening bank account, and number of year’s deals with bank account, the researcher has applied Kruskal Wallis test with the help of SPSS. Kruskal Wallis test results found that there is significant difference in the level of penetration on the basis of type of the bank, purpose of opening bank account, and number of year’s deals with bank.

Keywords

Banking Penetration, Rural Customers, Banking Products and Services.

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Marimuthu Selvakumar ¹, M. Jeyaselvam ², V. Sathyalakshmi ³, R. Mohammed Abubakkar Siddique ³

Affiliations
1 Head, P.G. and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Virudhunagar District, Tamil Nadu, IN
2 Assistant Professor, Department of Commerce, Government Arts and Science College (Ooty), Tamil Nadu, IN
3 Fulltime Ph.D Research Scholar, PG and Research Department of Commerce, Ayya Nadar Janaki Ammal College, Sivakasi, Tamil Nadu, IN

Abstract

Tea is a natural product and virtually calorie-free when drunk without milk and sugar. Over the last few decades, tea has become one of India’s most important commodities. The Indian tea industry is about 172 years old. The credit for creating India’s vast tea empire goes to the British, who discovered tea in India. Tea is grown in the states viz. Assam, West Bengal, Tamil Nadu, Kerala, Karnataka, Tripura, Himachal Pradesh, Uttar Pradesh and Bihar. However, production in substantial quantities is limited to the first five states. In Tamil Nadu, most of the tea plantations are situated in the Coonoor and Gudalur areas of the Nilgiris along with the Valparai region of Coimbatore district. Tea plantation in Tamil Nadu is mainly concentrated in Nilgiris district due to favourable agro-climatic conditions. Agro-climatic factors like climate rainfall, soil type and economic infrastructural facilities like transport, communication, credit facilities, input supply and marketing affect the production of tea. In tea industry, Employees are played a vital role for production of tea and running the tea industry in a proper way. In that case, the researcher has chosen the working conditions of employees in working tea industries of Nilgiris district.

Keywords

Tea Employees, Working Conditions, Working Environment and Welfare Measures.

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