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Malyadri Pacha

Centre for Economic and Social Studies, ICSSR Senior Research Fellow, Emeritus

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Dr.P.Malyadri obtained Doctorate in Commerce in 1991 from Sri Venkateswara University. He rendered services in Government with 33 years of experience of Teaching, Research, Administration, Training, and consultancy. A prolific writer
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The University of Texas at Austin

Shabib H . Syed

University of the Punjab, Lahore, Pakistan

Dr. Vipul Patel

Victoria University

DR. RAKESH KUMAR

University of Delhi

Sorbonne University

ELCHİN SULEYMANOV

Azerbaijan National Academy of Sciences

George Engelhard

The University of Georgia

Wellesley College

Süleyman Arslan

Dokuz Eylül University

University of Michigan

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Papers by Malyadri Pacha

International financial reporting standards — credible and reliable? An overview

Advances in Accounting, 2010

Abstract The study discusses how IFRS's objective of the harmonization of accounting standard... more Abstract The study discusses how IFRS's objective of the harmonization of accounting standards and improvement of quality of financial reporting may have been negatively affected due to public authorities' influences in the European Union (EU), the U.S., the U.K. and China. In addition, we discuss issues related to the inconsistent interpretations and implementations of IFRS as principle-based accounting standards. Moreover, we discuss how the funding system of the IASB may (or may not) have affected its independence. The review of relevant literature and discussion is critical to IFRS adoption/convergence efforts in the U.S.

DEC.-CV of DR.PACHA.MALYADRI

Kisan Credit Card KCC a Vehicle for Financial Inclusion

International Journals of Multidisciplinary Research Academy, 2011

Farmers heavily depend on non institutional sources of credit due to frequent needs, inadequate a... more Farmers heavily depend on non institutional sources of credit due to frequent needs, inadequate availability of institutional credit, unnecessary delays, cumbersome procedure and improper practices adopted by institutional lending agencies. Provision of timely and adequate credit has been one of the major challenges for banks in India in dispensation of agricultural and rural credit to the farmers. Given the enormity of the credit requirements on the one hand and the vagaries of nature on the other, financing for agriculture has always been a gigantic task for banks. The access to institutional credit for a large number of farmers, particularly small/marginal farmers, continued to be a challenge to the banking industry. Realising the importance of enhancement of flow of credit to the rural sector and reduction of the dependence of farmers on non-institutional sources of credit, the KCC(Kisan Credit Card) scheme was started by the Government of India (GOI) in consultation with the RBI (Reserve Bank of India) and NABARD (National Bank for Agricultural and Rural Development) in August 1998 as an innovative credit delivery mechanism (ICDM) with the objective of providing adequate, timely or without any delay, cost effective and hassle free credit support to farmers. The scheme was implemented across the country in all the states and union territories by the public sector commercial banks, Regional Rural Banks (RRBs) and cooperative banks. The study explores about the Kisan Credit Cards (KCC) Issued by different agencies and its achievements in financial inclusion.

A comparative study of Non Performing Assets in India in the Global context - similarities and dissimilarities, remedial measures

SSRN Electronic Journal, 2003

Financial sector reform in India has progressed rapidly on aspects like interest rate deregulatio... more Financial sector reform in India has progressed rapidly on aspects like interest rate deregulation, reduction in reserve requirements, barriers to entry, prudential norms and risk-based supervision. But progress on the structural-institutional aspects has been much slower and is a cause for concern. The sheltering of weak institutions while liberalizing operational rules of the game is making implementation of operational changes difficult and ineffective. Changes required to tackle the NPA problem would have to span the entire gamut of judiciary, polity and the bureaucracy to be truly effective. This paper deals with the experiences of other Asian countries in handling of NPAs. It further looks into the effect of the reforms on the level of NPAs and suggests mechanisms to handle the problem by drawing on experiences from other countries.

International Journal of Information, Business and Management Elite Hall Publishing House International Journal of Information, Business and Management Publisher: Elite Hall Publishing House Editor in Chief: Investigating the predictability of sales and costs using financial statement items of co...

The main purpose of business entities is earning income and the most important factor in survival... more The main purpose of business entities is earning income and the most important factor in survival of business entities is sales revenue. Thus, the forecasting of sales and costs of business entities become an important issue. The aim of this study is to investigate the ability of financial statement items in forecasting sales and costs of companies listed on Tehran Stock Exchange (TSE). To test the research hypotheses, 89 companies from five industries (auto and auto parts, food and drinks, metals, pharmaceutical and chemical) had been selected through cluster sampling. For analyzing and testing hypotheses, two regression models and panel data method were used. Research results show that forecasting sales and costs of companies listed on TSE is possible using financial statement items.

Youth Entrepreneurship: Key Challenges for Inclusive Development

Advances in Asian Social Science, 2012

In recent years, the promotion of entrepreneurship as a possible source of job creation, empowerm... more In recent years, the promotion of entrepreneurship as a possible source of job creation, empowerment and economic dynamism in a rapidly globalizing world has attracted increasing policy and scholarly attention. However, despite this attention, there has been no systematic attempt to look at it from a youth angle. The tendency has been either to subsume the youth into the general adult population or to ignore their efforts to forge a livelihood through enterprise activities. This has resulted in the lack of an adequate understanding of the potential benefits of youth entrepreneurship as a means of improving youth livelihoods. Because entrepreneurial activity is a key source of economic growth, promoting youth entrepreneurship has become a priority for policymakers. Regrettably, problems of unemployment as experienced by the educated youths and even the uneducated but skilled youths have become more pathetic in many developing economies, despite the neo-liberal strategies in addressin...

Asset Quality and Non Performing Assets of Indian Commercial Banks

The NPAs are considered as an important parameter to judge the performance and financial health o... more The NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. Indian banking industry has undergone several changes during the liberalization process. However, one nagging problem affecting the banking sector has been the high level of non- performing assets. NPA is non-performing assets, which are not producing any new income. High non-performing assets affect the profitability, productivity, capital adequacy and competitiveness of banks. These have become the major concern of banks in India. NPA’s have direct impact on net-profit and also on the performance of the banks. The recognition of income norms for banks also posed a serious concern to commercial banks. Management of NPAs , therefore, assumes significance in management of banks. Regulators and policy makers for banks have been taking measures to bring down the level of NPA in Indian ...

Value Addition by IFRS

International Journal of Accounting Research, 2015

In the context of India's aspirations and its corporates rightful global business aspirations in ... more In the context of India's aspirations and its corporates rightful global business aspirations in tune with its big population size and the need for greater trade, credit and investment avenues, there is an imperative need to go in for global standards in many business respects. In this respect, the need for clear corporate financial portrayals or reporting needs no overemphasis. This paper is a modest attempt at examining the corporate reporting imperatives and the Indian and International Financial Reporting Standards routes to reach them. The IFRSs are found to have value addition to corporate image and credit and investment avenues and reporting practices.

Impact of Microfinance on Women Empowerment: An Empirical Evidence from Andhra Pradesh

Journal of Entrepreneurship & Organization Management, 2015

With this backdrop, the main objectives of this study are

An Analytical Study on Trends and Progress of Indian banking Industry

Journal of Business & Financial Affairs, 2015

Banking business has done wonders for the world economy. The intensifying competitive environment... more Banking business has done wonders for the world economy. The intensifying competitive environment in the banking sector forcing the banks to focus in their operations. The profile of the banks plays an important role in the performance of the banks and measuring the relative profile of bank group wise has gained academic attentions over the years. Various parameters have been used to determine the profile of the banks. Evaluating the profile of the commercial banks is important to depositors, owners, potential investors, managers and of course, regulators. 1. To explore the concentration of profile of Public sector banks, private sector banks; and Foreign banks 2. To analyse the comparison of performance of Nationalized Banks, State Bank Group, old Private sector Banks, New Private Sector Banks and Foreign Banks. Over the past decade, there has been a considerable growth in studies addressing the profile of the banks. Various studies conducted and numerous suggestions were sought to bring effectiveness in the working and operations of banks. Some of the studies are as follows:

Service Quality Perceptions of Domestic Airline Consumers in India - An Emperical Study

International Journal of Economics & Management Sciences, 2014

Services are intangible by nature. Services are heterogeneous and airline services are no excepti... more Services are intangible by nature. Services are heterogeneous and airline services are no exception to this. Services provided inside aircraft are intangible and highly variable. Airline services are highly personalized. The airline product is a highly perishable one. The airliner companies Management's believe that, they are providing committed quality of service to the customers, but in the point of view of the customer, airliners' are lacking in quality service. Airliners' lacks in awareness about service quality and are not aware that giving better service to the customers helps in better company performances In view of the above there is ample scope of research in the area of Service offerings with a view of Customer Service in domestic airlines arena which has potential research possibilities in Indian Airlines Industry. This paper showcases some of the findings in this direction with respect to Indian Domestic Airline Industry. It highlights to examine how the customers are feeling about the company's services and its service quality. The two main constituents are the "quality expected or experienced" and "quality perceived" by the customer. As study on these variables, the Airlines best conforming to customers' perceptions are Kingfisher Airlines and Indigo Airlines.

Gender issues in project management: A subtlety

International Journal of Research Studies in Management, 2012

There are 2 bottlenecks in the drive of literacy towards women empowerment. Classifying women in ... more There are 2 bottlenecks in the drive of literacy towards women empowerment. Classifying women in India into 2 economic categories, the lower socioeconomic category is still struggling to establish a higher literacy rate amongst the girl child. In the upper strata, where education equality has been established, the concern is equality in the corporate world. The present paper is an attempt to analyze the impact of growing project management responsibilities on women. Have women in software project management shifted from this technical and marketing fronts to other soft skill departments to combat issues of domestic and corporate imbalance or have they stepped off from the corporate ladder! The paper tries to derive a pattern of both similarity and difference in the managerial competence of male and female managers in the technological domain and analyze the steps to arrive at the androgynous manager model.

Education for tribal children: An engine for human development

International Journal of Research Studies in Education, 2011

The Indian Constitution assigns special status to the Scheduled Tribes (STs). Traditionally refer... more The Indian Constitution assigns special status to the Scheduled Tribes (STs). Traditionally referred to as adivasis, vanbasis, tribes, or tribals; STs constitute about 8% of the Indian population. There are around 573 Scheduled Tribes living in different parts of the country, having their own languages different from the one mostly spoken in the State where they live. There are more than 270 such languages in India. Accordingly to the 2001 census, the tribal population in India is about 67.8 million. The largest number of tribals is in the undivided Madhya Pradesh (16.40 million), followed by Orissa (7 million) and Bihar (6.6 million). However, the largest proportion of tribals in total population is in Mizoram (95%), followed by Lakshadweep (93%), Nagaland (88%), Meghalaya (86%), and Arunachal Pradesh (64%). Nine States

Credit for Rural Women Entrepreneur a Development Strategy for Inclusive Growth

Singaporean Journal of Business , Economics and Management Studies, 2013

The emergence of women entrepreneurs and their contribution to the national economy is quite visi... more The emergence of women entrepreneurs and their contribution to the national economy is quite visible in India. The number of women entrepreneurs has grown over a period of time, especially in the 1990s. Women entrepreneurs need to be lauded for their increased utilization of modern technology, increased investments, finding a niche in the export market, creating a sizable employment for others and setting the trend for other women entrepreneurs in the organized sector. While women entrepreneurs have demonstrated their potential, the fact remains that they are capable of contributing much more than what they already are. Women's entrepreneurship needs to be studied separately for two main reasons. The first reason is that women's entrepreneurship has been recognized during the last decade as an important untapped source of economic growth. Women entrepreneurs create new jobs for themselves and others and also by being different. They also provide the society with different solutions to management, organisation and business problems as well as to the exploitation of entrepreneurial opportunities. The second reason is that the topic of women in entrepreneurship has been largely neglected both in society in general and in the social sciences. Not only have women lower participation rates in entrepreneurship than men but they also generally choose to start and manage firms in different industries than men tend to do. The paper emphasized that the Provision of credit is increasingly being looked upon as an important instrument in assisting the rural poor women to improve their economic conditions. However, there are many examples of credit schemes which have failed to live up to their expectations and in fact run into difficulties having failed to achieve a measure of viability and self sustained operations in the long-term.

Success of banking ombudsmen scheme: Myth or reality

International Journal of Research Studies in Management, 2012

In the present banking system, excellence in customer service is the most important tool for sust... more In the present banking system, excellence in customer service is the most important tool for sustained business growth. Customer complaints are part of the business life of any corporate entity. This is more so for banks because they are service organizations. Over a period of time, the number of complaints against banks with regard to deficiency of their services has been increasing in spite of several efforts taken by the banks on the advice of the Reserve Bank of India. Since the role of banks has changed from 'Class Bank' to 'Mass Bank', there is a tremendous pressure on the part of banks to satisfy the various needs of the customers. The load of work is increasing day by day on banks taking into account The Banking Ombudsman (BO) Scheme was established by the Reserve Bank of India (RBI) in 1995 to provide speedy solutions to grievances faced by bank customers. Although the number of complaints received through this forum has increased in recent times, the lack of awareness among the customers was a big concern. Through some proactive measures taken by the RBI and awareness campaigns conducted by the Ombudsman, the scenario looks much brighter today. Even then, a lot needs to be done to make the Scheme function more effectively. Against this backdrop, an attempt has been made to analyze the performance of Banking Ombudsman Scheme. Hence, the purpose of the present paper is to analyses the performance of the Banking Ombudsmen.

IT and CRM: A case study of State Bank of India

International Journal of Research Studies in Management, 2016

Information Technology (IT) is a revolutionary technology which is sweeping every field of human ... more Information Technology (IT) is a revolutionary technology which is sweeping every field of human activity. The technology has immense application in the banking industry, of particular interest is bringing together the banks and their customers into an immediate and close relationship. Accordingly, the new technology is expected to enable the banks to render more and better services to their customers, who are the very foundation of the banking system. SBI is the largest commercial bank in India and is providing good services to its esteemed customers by making use of modern technology and Customer Relationship Management (CRM). The implementation of CRM has helped the bank to come closer to its customers and the emphasis has shifted from sales to customers IT and CRM are considered as powerful tools in the banking industry and moreover the business of banking is very much dependent on the customer goodwill, for which IT is believed to open a new window of great opportunity by way of good CRM. The present case is mainly concerned with the use of IT and CRM in the India's largest public sector bank-SBI.

08 A STUDY ON IMPACT OF POVERTY ALLEVIATION PROGRAMS ON SKILL DEVELOPMENT OF TRIBAL WOMEN HOUSEHOLDS IN TELANGANA STATE

by Journal of Global Resources and Malyadri Pacha

Journal of Global Resources, 2019

Tribal women are fifty percent of tribal population. However, tribal women are exclusion, vulnera... more Tribal women are fifty percent of tribal population. However, tribal women are exclusion, vulnerable and inaccessible to the poverty schemes targeted for their well-being. The main objective of this study is to determine the utilization pattern of poverty alleviation programs and its impact on satisfaction level of tribal women. As per the methodology of the study, primary data had been collected from tribal women perception on awareness of poverty alleviation programs. The primary data was analyzed by using statistical tools like one-way ANOVA and regression analysis. The results of this study indicated that age group had an impact on tribal women empowerment. The literacy rate is also increasing and poverty is consistently declining among tribal women with poverty alleviation and skill development programs implemented by government in Telangana State.

Traditional Intermediaries Do Exist in Digital Era

The biggest challenge in front of the traditional intermediaries is buying behaviour of customer ... more The biggest challenge in front of the traditional
intermediaries is buying behaviour of customer in current
digital era. This behaviour is inculcating the new trends
and new approaches to reach customers. This situation is
pushing the traditional intermediaries perform or perish
against organised retail and e –commerce websites.
Our paper will through a light on the challenges,
opportunities & suggestions which makes traditional
intermediaries alive in the market.
Keywords---- Traditional intermediaries, Digital era,
Organised retail, E-commerce

Budget 2016-17 : a serious dedication towards rural equitable growth,

Rural development is the process of improving the quality of life and economic well-being of peop... more Rural development is the process of improving the quality of life and economic well-being of people living in relatively isolated and sparsely populated areas. Rural development has traditionally centered on the exploitation of land intensive natural resources such as agriculture and forestry. However, changes in global production networks and increased urbanization have changed the character of rural areas. No Union Budget in recent years had raised so many expectations about so many different things. Most of the Budgets have also tried to accelerate the socio-economic development of rural India. The 2016-17 Union Budget has a clear thrust for the rural economy; the numbers need to be read carefully to assess the government's intent. To boost the rural economy through financial inclusion, the government has broadened its focus from MGNREGA alone to various financial schemes.

A study on structural transformations of Indian scheduled commercial banks

It is expected that pressures of market forces would be the determining factor for the consolidat... more It is expected that pressures of market forces would be the determining factor for the consolidation in the structure of these banks. If the process of consolidation through mergers and acquisitions the pressure on capital structure is expected to trigger a phase of consolidation in the banking industry. Banks could achieve consolidation through different ways. Mergers and acquisitions could be one way to achieve this. In the past, mergers were initiated by regulators to protect the interests of depositors of weak banks. In recent years, market led mergers between private banks have taken place. It is expected that this process would gain momentum in the coming years. Mergers between public sector banks or public sector banks and private banks could be the next logical thing / development to happen as market players tend to consolidate their position to remain in competition.

International financial reporting standards — credible and reliable? An overview

Advances in Accounting, 2010

Abstract The study discusses how IFRS's objective of the harmonization of accounting standard... more Abstract The study discusses how IFRS's objective of the harmonization of accounting standards and improvement of quality of financial reporting may have been negatively affected due to public authorities' influences in the European Union (EU), the U.S., the U.K. and China. In addition, we discuss issues related to the inconsistent interpretations and implementations of IFRS as principle-based accounting standards. Moreover, we discuss how the funding system of the IASB may (or may not) have affected its independence. The review of relevant literature and discussion is critical to IFRS adoption/convergence efforts in the U.S.

DEC.-CV of DR.PACHA.MALYADRI

Kisan Credit Card KCC a Vehicle for Financial Inclusion

International Journals of Multidisciplinary Research Academy, 2011

Farmers heavily depend on non institutional sources of credit due to frequent needs, inadequate a... more Farmers heavily depend on non institutional sources of credit due to frequent needs, inadequate availability of institutional credit, unnecessary delays, cumbersome procedure and improper practices adopted by institutional lending agencies. Provision of timely and adequate credit has been one of the major challenges for banks in India in dispensation of agricultural and rural credit to the farmers. Given the enormity of the credit requirements on the one hand and the vagaries of nature on the other, financing for agriculture has always been a gigantic task for banks. The access to institutional credit for a large number of farmers, particularly small/marginal farmers, continued to be a challenge to the banking industry. Realising the importance of enhancement of flow of credit to the rural sector and reduction of the dependence of farmers on non-institutional sources of credit, the KCC(Kisan Credit Card) scheme was started by the Government of India (GOI) in consultation with the RBI (Reserve Bank of India) and NABARD (National Bank for Agricultural and Rural Development) in August 1998 as an innovative credit delivery mechanism (ICDM) with the objective of providing adequate, timely or without any delay, cost effective and hassle free credit support to farmers. The scheme was implemented across the country in all the states and union territories by the public sector commercial banks, Regional Rural Banks (RRBs) and cooperative banks. The study explores about the Kisan Credit Cards (KCC) Issued by different agencies and its achievements in financial inclusion.

A comparative study of Non Performing Assets in India in the Global context - similarities and dissimilarities, remedial measures

SSRN Electronic Journal, 2003

Financial sector reform in India has progressed rapidly on aspects like interest rate deregulatio... more Financial sector reform in India has progressed rapidly on aspects like interest rate deregulation, reduction in reserve requirements, barriers to entry, prudential norms and risk-based supervision. But progress on the structural-institutional aspects has been much slower and is a cause for concern. The sheltering of weak institutions while liberalizing operational rules of the game is making implementation of operational changes difficult and ineffective. Changes required to tackle the NPA problem would have to span the entire gamut of judiciary, polity and the bureaucracy to be truly effective. This paper deals with the experiences of other Asian countries in handling of NPAs. It further looks into the effect of the reforms on the level of NPAs and suggests mechanisms to handle the problem by drawing on experiences from other countries.

International Journal of Information, Business and Management Elite Hall Publishing House International Journal of Information, Business and Management Publisher: Elite Hall Publishing House Editor in Chief: Investigating the predictability of sales and costs using financial statement items of co...

The main purpose of business entities is earning income and the most important factor in survival... more The main purpose of business entities is earning income and the most important factor in survival of business entities is sales revenue. Thus, the forecasting of sales and costs of business entities become an important issue. The aim of this study is to investigate the ability of financial statement items in forecasting sales and costs of companies listed on Tehran Stock Exchange (TSE). To test the research hypotheses, 89 companies from five industries (auto and auto parts, food and drinks, metals, pharmaceutical and chemical) had been selected through cluster sampling. For analyzing and testing hypotheses, two regression models and panel data method were used. Research results show that forecasting sales and costs of companies listed on TSE is possible using financial statement items.

Youth Entrepreneurship: Key Challenges for Inclusive Development

Advances in Asian Social Science, 2012

In recent years, the promotion of entrepreneurship as a possible source of job creation, empowerm... more In recent years, the promotion of entrepreneurship as a possible source of job creation, empowerment and economic dynamism in a rapidly globalizing world has attracted increasing policy and scholarly attention. However, despite this attention, there has been no systematic attempt to look at it from a youth angle. The tendency has been either to subsume the youth into the general adult population or to ignore their efforts to forge a livelihood through enterprise activities. This has resulted in the lack of an adequate understanding of the potential benefits of youth entrepreneurship as a means of improving youth livelihoods. Because entrepreneurial activity is a key source of economic growth, promoting youth entrepreneurship has become a priority for policymakers. Regrettably, problems of unemployment as experienced by the educated youths and even the uneducated but skilled youths have become more pathetic in many developing economies, despite the neo-liberal strategies in addressin...

Asset Quality and Non Performing Assets of Indian Commercial Banks

The NPAs are considered as an important parameter to judge the performance and financial health o... more The NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. Indian banking industry has undergone several changes during the liberalization process. However, one nagging problem affecting the banking sector has been the high level of non- performing assets. NPA is non-performing assets, which are not producing any new income. High non-performing assets affect the profitability, productivity, capital adequacy and competitiveness of banks. These have become the major concern of banks in India. NPA’s have direct impact on net-profit and also on the performance of the banks. The recognition of income norms for banks also posed a serious concern to commercial banks. Management of NPAs , therefore, assumes significance in management of banks. Regulators and policy makers for banks have been taking measures to bring down the level of NPA in Indian ...

Value Addition by IFRS

International Journal of Accounting Research, 2015

In the context of India's aspirations and its corporates rightful global business aspirations in ... more In the context of India's aspirations and its corporates rightful global business aspirations in tune with its big population size and the need for greater trade, credit and investment avenues, there is an imperative need to go in for global standards in many business respects. In this respect, the need for clear corporate financial portrayals or reporting needs no overemphasis. This paper is a modest attempt at examining the corporate reporting imperatives and the Indian and International Financial Reporting Standards routes to reach them. The IFRSs are found to have value addition to corporate image and credit and investment avenues and reporting practices.

Impact of Microfinance on Women Empowerment: An Empirical Evidence from Andhra Pradesh

Journal of Entrepreneurship & Organization Management, 2015

With this backdrop, the main objectives of this study are

An Analytical Study on Trends and Progress of Indian banking Industry

Journal of Business & Financial Affairs, 2015

Banking business has done wonders for the world economy. The intensifying competitive environment... more Banking business has done wonders for the world economy. The intensifying competitive environment in the banking sector forcing the banks to focus in their operations. The profile of the banks plays an important role in the performance of the banks and measuring the relative profile of bank group wise has gained academic attentions over the years. Various parameters have been used to determine the profile of the banks. Evaluating the profile of the commercial banks is important to depositors, owners, potential investors, managers and of course, regulators. 1. To explore the concentration of profile of Public sector banks, private sector banks; and Foreign banks 2. To analyse the comparison of performance of Nationalized Banks, State Bank Group, old Private sector Banks, New Private Sector Banks and Foreign Banks. Over the past decade, there has been a considerable growth in studies addressing the profile of the banks. Various studies conducted and numerous suggestions were sought to bring effectiveness in the working and operations of banks. Some of the studies are as follows:

Service Quality Perceptions of Domestic Airline Consumers in India - An Emperical Study

International Journal of Economics & Management Sciences, 2014

Services are intangible by nature. Services are heterogeneous and airline services are no excepti... more Services are intangible by nature. Services are heterogeneous and airline services are no exception to this. Services provided inside aircraft are intangible and highly variable. Airline services are highly personalized. The airline product is a highly perishable one. The airliner companies Management's believe that, they are providing committed quality of service to the customers, but in the point of view of the customer, airliners' are lacking in quality service. Airliners' lacks in awareness about service quality and are not aware that giving better service to the customers helps in better company performances In view of the above there is ample scope of research in the area of Service offerings with a view of Customer Service in domestic airlines arena which has potential research possibilities in Indian Airlines Industry. This paper showcases some of the findings in this direction with respect to Indian Domestic Airline Industry. It highlights to examine how the customers are feeling about the company's services and its service quality. The two main constituents are the "quality expected or experienced" and "quality perceived" by the customer. As study on these variables, the Airlines best conforming to customers' perceptions are Kingfisher Airlines and Indigo Airlines.

Gender issues in project management: A subtlety

International Journal of Research Studies in Management, 2012

There are 2 bottlenecks in the drive of literacy towards women empowerment. Classifying women in ... more There are 2 bottlenecks in the drive of literacy towards women empowerment. Classifying women in India into 2 economic categories, the lower socioeconomic category is still struggling to establish a higher literacy rate amongst the girl child. In the upper strata, where education equality has been established, the concern is equality in the corporate world. The present paper is an attempt to analyze the impact of growing project management responsibilities on women. Have women in software project management shifted from this technical and marketing fronts to other soft skill departments to combat issues of domestic and corporate imbalance or have they stepped off from the corporate ladder! The paper tries to derive a pattern of both similarity and difference in the managerial competence of male and female managers in the technological domain and analyze the steps to arrive at the androgynous manager model.

Education for tribal children: An engine for human development

International Journal of Research Studies in Education, 2011

The Indian Constitution assigns special status to the Scheduled Tribes (STs). Traditionally refer... more The Indian Constitution assigns special status to the Scheduled Tribes (STs). Traditionally referred to as adivasis, vanbasis, tribes, or tribals; STs constitute about 8% of the Indian population. There are around 573 Scheduled Tribes living in different parts of the country, having their own languages different from the one mostly spoken in the State where they live. There are more than 270 such languages in India. Accordingly to the 2001 census, the tribal population in India is about 67.8 million. The largest number of tribals is in the undivided Madhya Pradesh (16.40 million), followed by Orissa (7 million) and Bihar (6.6 million). However, the largest proportion of tribals in total population is in Mizoram (95%), followed by Lakshadweep (93%), Nagaland (88%), Meghalaya (86%), and Arunachal Pradesh (64%). Nine States

Credit for Rural Women Entrepreneur a Development Strategy for Inclusive Growth

Singaporean Journal of Business , Economics and Management Studies, 2013

The emergence of women entrepreneurs and their contribution to the national economy is quite visi... more The emergence of women entrepreneurs and their contribution to the national economy is quite visible in India. The number of women entrepreneurs has grown over a period of time, especially in the 1990s. Women entrepreneurs need to be lauded for their increased utilization of modern technology, increased investments, finding a niche in the export market, creating a sizable employment for others and setting the trend for other women entrepreneurs in the organized sector. While women entrepreneurs have demonstrated their potential, the fact remains that they are capable of contributing much more than what they already are. Women's entrepreneurship needs to be studied separately for two main reasons. The first reason is that women's entrepreneurship has been recognized during the last decade as an important untapped source of economic growth. Women entrepreneurs create new jobs for themselves and others and also by being different. They also provide the society with different solutions to management, organisation and business problems as well as to the exploitation of entrepreneurial opportunities. The second reason is that the topic of women in entrepreneurship has been largely neglected both in society in general and in the social sciences. Not only have women lower participation rates in entrepreneurship than men but they also generally choose to start and manage firms in different industries than men tend to do. The paper emphasized that the Provision of credit is increasingly being looked upon as an important instrument in assisting the rural poor women to improve their economic conditions. However, there are many examples of credit schemes which have failed to live up to their expectations and in fact run into difficulties having failed to achieve a measure of viability and self sustained operations in the long-term.

Success of banking ombudsmen scheme: Myth or reality

International Journal of Research Studies in Management, 2012

In the present banking system, excellence in customer service is the most important tool for sust... more In the present banking system, excellence in customer service is the most important tool for sustained business growth. Customer complaints are part of the business life of any corporate entity. This is more so for banks because they are service organizations. Over a period of time, the number of complaints against banks with regard to deficiency of their services has been increasing in spite of several efforts taken by the banks on the advice of the Reserve Bank of India. Since the role of banks has changed from 'Class Bank' to 'Mass Bank', there is a tremendous pressure on the part of banks to satisfy the various needs of the customers. The load of work is increasing day by day on banks taking into account The Banking Ombudsman (BO) Scheme was established by the Reserve Bank of India (RBI) in 1995 to provide speedy solutions to grievances faced by bank customers. Although the number of complaints received through this forum has increased in recent times, the lack of awareness among the customers was a big concern. Through some proactive measures taken by the RBI and awareness campaigns conducted by the Ombudsman, the scenario looks much brighter today. Even then, a lot needs to be done to make the Scheme function more effectively. Against this backdrop, an attempt has been made to analyze the performance of Banking Ombudsman Scheme. Hence, the purpose of the present paper is to analyses the performance of the Banking Ombudsmen.

IT and CRM: A case study of State Bank of India

International Journal of Research Studies in Management, 2016

Information Technology (IT) is a revolutionary technology which is sweeping every field of human ... more Information Technology (IT) is a revolutionary technology which is sweeping every field of human activity. The technology has immense application in the banking industry, of particular interest is bringing together the banks and their customers into an immediate and close relationship. Accordingly, the new technology is expected to enable the banks to render more and better services to their customers, who are the very foundation of the banking system. SBI is the largest commercial bank in India and is providing good services to its esteemed customers by making use of modern technology and Customer Relationship Management (CRM). The implementation of CRM has helped the bank to come closer to its customers and the emphasis has shifted from sales to customers IT and CRM are considered as powerful tools in the banking industry and moreover the business of banking is very much dependent on the customer goodwill, for which IT is believed to open a new window of great opportunity by way of good CRM. The present case is mainly concerned with the use of IT and CRM in the India's largest public sector bank-SBI.

08 A STUDY ON IMPACT OF POVERTY ALLEVIATION PROGRAMS ON SKILL DEVELOPMENT OF TRIBAL WOMEN HOUSEHOLDS IN TELANGANA STATE

by Journal of Global Resources and Malyadri Pacha

Journal of Global Resources, 2019

Tribal women are fifty percent of tribal population. However, tribal women are exclusion, vulnera... more Tribal women are fifty percent of tribal population. However, tribal women are exclusion, vulnerable and inaccessible to the poverty schemes targeted for their well-being. The main objective of this study is to determine the utilization pattern of poverty alleviation programs and its impact on satisfaction level of tribal women. As per the methodology of the study, primary data had been collected from tribal women perception on awareness of poverty alleviation programs. The primary data was analyzed by using statistical tools like one-way ANOVA and regression analysis. The results of this study indicated that age group had an impact on tribal women empowerment. The literacy rate is also increasing and poverty is consistently declining among tribal women with poverty alleviation and skill development programs implemented by government in Telangana State.

Traditional Intermediaries Do Exist in Digital Era

The biggest challenge in front of the traditional intermediaries is buying behaviour of customer ... more The biggest challenge in front of the traditional
intermediaries is buying behaviour of customer in current
digital era. This behaviour is inculcating the new trends
and new approaches to reach customers. This situation is
pushing the traditional intermediaries perform or perish
against organised retail and e –commerce websites.
Our paper will through a light on the challenges,
opportunities & suggestions which makes traditional
intermediaries alive in the market.
Keywords---- Traditional intermediaries, Digital era,
Organised retail, E-commerce

Budget 2016-17 : a serious dedication towards rural equitable growth,

Rural development is the process of improving the quality of life and economic well-being of peop... more Rural development is the process of improving the quality of life and economic well-being of people living in relatively isolated and sparsely populated areas. Rural development has traditionally centered on the exploitation of land intensive natural resources such as agriculture and forestry. However, changes in global production networks and increased urbanization have changed the character of rural areas. No Union Budget in recent years had raised so many expectations about so many different things. Most of the Budgets have also tried to accelerate the socio-economic development of rural India. The 2016-17 Union Budget has a clear thrust for the rural economy; the numbers need to be read carefully to assess the government's intent. To boost the rural economy through financial inclusion, the government has broadened its focus from MGNREGA alone to various financial schemes.

A study on structural transformations of Indian scheduled commercial banks

It is expected that pressures of market forces would be the determining factor for the consolidat... more It is expected that pressures of market forces would be the determining factor for the consolidation in the structure of these banks. If the process of consolidation through mergers and acquisitions the pressure on capital structure is expected to trigger a phase of consolidation in the banking industry. Banks could achieve consolidation through different ways. Mergers and acquisitions could be one way to achieve this. In the past, mergers were initiated by regulators to protect the interests of depositors of weak banks. In recent years, market led mergers between private banks have taken place. It is expected that this process would gain momentum in the coming years. Mergers between public sector banks or public sector banks and private banks could be the next logical thing / development to happen as market players tend to consolidate their position to remain in competition.