International Journal of Education and Management Studies

Ajay Kumar ¹, Monika ²

Affiliations
1 Hisar, Haryana, IN
2 Department of Sociology, College of Basic Sciencese, CCSHAU, Hisar, IN

Abstract

Literacy is a development indicator which has utilitarian and aesthetic values. Literacy and education promote the quality of life and influencing the demographic profile of a nation. The census of India defines literacy as the ability to read & write with understanding in any language. Any person aged seven & above is considered for the ability of literacy. With the help of literacy analysis one can know about the socio-economic progress of a state, it also provides a huge information about the population profile of a country. The present paper is related with the literacy analysis of the Haryana state based on census of India, 2011 to know about the literacy variation among the different parts of the state. The literacy rate of Haryana (2001 & 2011) is above the national average literacy rate. The study tells about the literacy trend in Haryana with its effecting factors.

Keywords

Literacy, Development, Census, Illiteracy.

Full Text

     

Monika ¹

Affiliations
1 Haryana School of Business, Guru Jambheshwar University of Science & Technology, Hisar, Haryana, IN

Abstract

The paper mainly deals with the different factors of financing of accounts receivables in MSMEs in Haryana. This study presents the ranking of different financing options of account receivables at overall level and also according to the TOA (type of activity), FOO (form of organization) and SOF (size of firm). The primary data are collected through a descriptive questionnaire, which was structured. For the purpose of instant analysis, the respondents were asked to respond on the five point Likert scale. The finding shows that the entrepreneurs of the MSME firms mostly use the owned funds for financing the accounts receivables (1st rank), followed by the option to withstand 'securitization of accounts receivables' (2ndrank).

Keywords

Accounts Receivables, MSMEs, Commercial Paper, Factoring.

Full Text

     

Monika ¹

Affiliations
1 Haryana School of Business, Guru Jambheshwar University of Science & Technology, Hisar, Haryana, IN

Abstract

Diversification is the new mantra banks must chant; must be new flag-ship of the banking industry. Indeed, diversification is the law of life today, the law that will take counties beyond the danger zones of clinging to one type of business year in and year out. Certainly, the old ways of doing cannot, and should not be abandoned in one stroke; this will be like throwing the baby with the bath water But new ways have to be discovered and new practices have to be implemented. The purpose of the study is to identify need for diversification in Indian banking sector and its implication. Findings of the study suggest that diversification has to be a strategy, well planned and well executed. An overdose of diversification will create a problem for any sector.

Keywords

Diversification, Liberalization, Concentric, Conglomerate.

Full Text