Papers by Sowmya Bharadwaj
GE- International Journal of Management Research, 2016
Advanced Science and Technology Letters, 2018
Microfinance industry has become a driving force for including people who are unserved by the exi... more Microfinance industry has become a driving force for including people who are unserved by the existing financial service providers. With the launch of MUDRA Bank and several amendments in RBI guidelines, Microfinance industry has seen strong growth in the recent past. However, the industry is facing challenge in handling increasing customer base with enhanced efficiency. Research shows that IT intervention into Microfinance industry enables the industry to handle issues by speeding up the flow of information, increase efficiency and outreach of services. This paper focuses on studying the impact of IT on Microfinance industry in the present scenario and identify the barriers of IT intervention in Microfinance industry.
Consumer Preference and Satisfaction with Reference to Women Apparels at Max Store, 2019
The trend of fashion apparels is growing rapidly. Women consumers are spending more across produc... more The trend of fashion apparels is growing rapidly. Women consumers are spending more across products and are obsessive about trendy apparels. The study focuses to examine the consumer preference and satisfaction with reference to women apparel at Max store. Primary data is obtained from survey questionnaire using convenience sampling method. Hypothesis is framed to analyse if there is a significant influence of age and income on consumer preference and satisfaction towards women apparels at max store at A S Rao Nagar. Primary data is collected from 150 respondents using convenience sampling. Chi square test is used to analyze the data. Results have indicated that there is no significant influence of age and income on consumer preference and satisfaction.
aWEshkar, 2022
Indian stock markets though small when compared to world markets, are attracting a large number o... more Indian stock markets though small when compared to world markets, are attracting a large number of investors with a considerable growth in the performance. All the world markets are interlinked and any rise/fall in the world indices will have an effect on Indian indices as well. An analysis of world indices will help the investor to predict the market movements of Indian indices and thus take better investment decision. 2020 marked a remarkable year as the world suffered heavily due to the outbreak of Covid-19 pandemic. Literature review has clearly shown that investors have expanded their boundaries of investment to world markets and a study of correlation among these markets is essential to reap greater returns. The purpose of the study is to analyze the returns of select market indices on a quarterly basis during 2018-2020. The study also focused on understanding the correlation between various global indices and NIFTY during the study period. Standard Deviation of returns and correlation among the various indices is used to attain the set objectives. The research found that there is a tremendous fall in the returns of all the global indices in the first quarter of 2020 when Covid-19 was on wide spread across the globe. It is found that there exists a strong positive correlation between global indices and NIFTY during the study period.
Madhya Bharti, 2022
Microfinance is an economic development tool introduced for women of weaker sections which helps ... more Microfinance is an economic development tool introduced for women of weaker sections which helps them to come out of their poverty. It ensures financial support to people who are ineligible to avail bank loans. The major objective of Microfinance is to overcome poverty and also to empower women. Women constitute about 48.2% of the total population of India. Women can greatly influence the Economic development in the country but in reality only a few among the total women population are contributing for the economic development. Majority of women are living in rural India and are deprived of financial services and financial independence. Microfinance is looked for as an economic development tool using which all these barriers can be eradicated. The basic purpose of this study is to know the impact of Microfinance on Empowerment of Women Workers who are working in low level and live in rural areas. Their awareness levels about the Microfinance services and problems faced by them in availing microfinance services were analyzed. The data was collected from 68 Women workers through a structured questionnaire using case study approach at an Engineering College. The collected data was analyzed to know the influence of demographic variables on the factors of Women Empowerment. The factors that were analyzed are Economic Empowerment, Political Empowerment, Social Empowerment, Personal Empowerment and Family Empowerment. The study resulted that the demographic variables are not influencing the factors of Women empowerment. It is found that the women workers are not getting empowered by availing microfinance services. It is observed that after availing Microfinance loans, there is a greater Family Empowerment and Economic Empowerment. It is concluded that there is no significant impact of Microfinance on Women Empowerment and alternate Hypothesis is rejected.
Manager - The British Journal of Management, 2022
Microfinance, also called microcredit, is a banking service provided for low income individuals o... more Microfinance, also called microcredit, is a banking service provided for low income individuals or unemployed people who does not have other access to financial service. They do not have enough money to do business and are deprived of traditional financial sources. Microfinance is assisting the underprivileged, particularly in rural areas in this perspective. With the financial support from the microfinance sector, rural women all around the country have experienced significant improvement. Ghambhirpur village, Jagitial district is the subject of this study in particular. This study evaluates whether microfinance actually assisted the underprivileged in rural area (Jagitial district Ghambhirpur village) and aims to study how the poor people's standard of living has altered since they joined in microfinance and if microfinance has benefited the people of Ghambhirpur, Jagitial district. Data is collected with a sample size of 100 using a survey method through a structured questionnaire. Descriptive analysis, Chi-square test, Correlation are used to analyze the data and it is found that respondents' standards of living has increased after joining in microfinance and also there is an increase in financial assets of respondents. The respondents felt that microfinance led to economic development and finally it is concluded that microfinance plays an important role in rural development.
Web of Science publication, 2022
A bank is a financial entity that offers its clients deposit and credit options. The banking indu... more A bank is a financial entity that offers its clients deposit and credit options. The banking industry is critical to the growth of the Indian economy. As a result of financial sector changes that are being implemented in phases, Indian banks have been through a fascinating era of rapid development. A moratorium is a temporary halt to activity until future circumstances merit the suspension's lifting or until associated concerns are handled. The Reserve Bank of India (RBI) has approved a three-month suspension on term loan and credit card repayments as a relief gesture for those affected by the corona virus outbreak. Customers who choose this moratorium plan had their EMIs deferred by lending institutions. The main objective of the study is to figure out how the declaration of a moratorium would affect the asset quality and equity stocks of select public and private sector banks. The research is limited to explaining the performance of two public and two private sector banks, due to the declaration of the moratorium. Three Hypotheses are framed to attain the objectives and it is observed that moratorium has no effect on the asset quality of select public and private sector banks. The alternative theory is supported because the embargo has an effect on the equity stocks of select public and private sectorbanks.
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Papers by Sowmya Bharadwaj