Papers by Dr Arockya Divya SF
EMERGING ISSUES AND CHALLENGES IN COMMERCE AND MANAGEMENT (Online Edited Volume) Triprime Publications, 2020
Emerging Issues and Challenges in Commerce and Management © No part of the publication should be ... more Emerging Issues and Challenges in Commerce and Management © No part of the publication should be reproduced, stored in a retrieval system or transmitted in any forms or by any means mechanical, photocopying or otherwise, without prior permission of the authors, who are themselves the copyright holders. The editors, editorial board members or the publisher do not hold any right of the contents included in the book and issues arising thereof in future, if any.
This research aims to ascertain the impact of fundamental factors, such as Return on Assets (ROA)... more This research aims to ascertain the impact of fundamental factors, such as Return on Assets (ROA), Debt Equity Ratio (DER), Price Earnings Ratio (PER), Current Ratio (CR), and Total Assets Turnover (TATO), on stock prices. The study targets on the listed companies in the food and beverage sectors listed on the Indonesia Stock Exchange between 2012 and 2015. The research design is causal research methods, and the sampling technique is purposive sampling method. During the four-year observation period, 11 out of 17 companies met the criteria. The data was analyzed using data regression analysis technique, employing three approaches: Common Effect, two types of effects: random and fixed. Using the F test and t-statistical test, the Hausman test, Chow test model and Lagrange multiplier test were employed for the model selection. By using F tests, the study's findings showed that ROA, CR, DER, TATO, and PER have an impact on changes in stock prices. The t-statistic test result indicated that while the variables DER, CR, and PER had no effect on the stock price of food and beverage companies, ROA and TATO have a partial influence on the share price.
Shanlax Journal of Management, 2023
Financial literacy is becoming more widely acknowledged as an essential skill for navigating the ... more Financial literacy is becoming more widely acknowledged as an essential skill for navigating the intricacies of the financial world. Governments globally are proactively working to improve financial literacy among their populations, understanding that a lack of proficiency in this domain can result in persistent difficulties that greatly affect a person's financial health. In our country, the convergence of limited literacy and restricted access to financial services poses a barrier for smallholders in acquiring these essential skills. Given the diverse needs within different demographic groups, tailored financial education becomes imperative. This research, focusing on the specific demographic of "farmers", serves as valuable insight for the government to customize financial literacy content. The study employs the Chi-square test to analyze the association between literacy levels and demographic variables, offering a comprehensive understanding of the dynamics at play.
Turkish Journal of Physiotherapy and Rehabilitation, 2022
The aim of the research is to study the impact of personality traits and demographic characterist... more The aim of the research is to study the impact of personality traits and demographic characteristics on the risk tolerance and investment decisions of individuals. The study involves consideration of nine independent variables, among which 5 comprises of big five personality and four demographic factors. The five personality traits are Extroversion, Agreeableness, Conscientiousness, Neuroticism and Openness to Experience. The four demographic factors considered are age, gender, financial literacy and investment experience. Investment decisions act as a dependent variable and the risk tolerance play a mediating role in this study. For this purpose, a questionnaire is constructed (measuring big five personalities, risk tolerance level and investment decisions) and circulated among the investors of TNPFC and business graduate students. The primary data collected for research purpose is analysed using SPSS software. The data was analysed using multiple linear regression techniques. Ten hypotheses were formed to study the impact of each independent variable on the dependent variable. And it was found that the major variables i.e. personality traits had a significant impact on the investor's decision making.
Aut Aut Research Journal, 2020
Economic development of a country relies on the growth of financial system which paves the way fo... more Economic development of a country relies on the growth of financial system which paves the way for savings and investments. Financial institutions play a vital role in creating links between savers and investors. An essential function of any financial institution is to obtain surplus finance from the earners who have saved from their earning and dispense to the individuals who are in need for personal purpose or in business for capital investments. Both the Banking and the Non-Banking institutions serve this purpose for the economic development of the country. NBFCs vastly enhance their roles to provide financial needs even to the unbanked areas. These institutions help to reach wider range of customers in an efficient manner. The objective of the study is to analyze the financial performances of Deposit mobilizing and Non-Deposit mobilizing institutions, to find the solvency, liquidity, profitability position of the institutions for 5 years and to compare both the performance to find which of the two is profitable. The period of the study is from 2014 to 2018. To analyse the data, various arithmetical and statistical tools like, Mean, Percentage, Standard deviation, variance etc. have been used. Also depending upon the need of the study, Ratio Analysis, Correlation and T-Test have been used for the analysis. The analysis clears up both set of institutions namely NBFC-D and NBFC-ND grow hand-in-hand in the same direction contributing to financial inclusion and economic growth.
Journal of the Oriental Institute, 2022
Entrepreneurship is rapidly gaining interest in the modern competitive economy, and its contribut... more Entrepreneurship is rapidly gaining interest in the modern competitive economy, and its contribution to the economy is recognized around the world. But the point to consider is the fact that it is generally recognized as a concept of gender in India. And the women who start up their businesses have to face short-term problems that occur in the early stages of a new project. Female entrepreneurship is seen as an effective tool for women's economic empowerment. Indian women have remained economically underdeveloped for decades. Despite the many measures and incentives implemented by the Government of India, female entrepreneurs are no longer regarded as important. This is due to some practical issues in the women's entrepreneurial process. This paper attempts to analyze and emphasize various issues and perspectives of female entrepreneurship in India. The main purpose of this study is to analyze the challenges faced by female entrepreneurs in the city of Chennai.
Kala : The Journal of Indian Art History Congress, 2021
Research is flourishing field and the growth in the number of researches all over the world is re... more Research is flourishing field and the growth in the number of researches all over the world is remarkable. Doctoral education paves the way over the period of timefor the increase in the number of researchers.It is challenging for women in India to manage transition of the doctorate from student to researcher in the academic arena. Various researches show gender bias is in favour of male in many places including the workplace. This disparity continues in all field including the field of education.Gender ratio is the ratio between the male and female and imbalance between the two is stated as gender disparity. Usually male exceeds female and as per 2018 estimates, "the sex ratio for the entire world population is 101 males to 100 females" (en.wikipedia.org, 2020). Gender bias is discrimination against a gender. In a country like India, though Constitution has grant equity for women, gender bias still remains.This study aims at studying the trends of doctoral education of female comparing to the male in the country. The Ph.D. ratio between the female and male is calculated over the period of nine academic years starting from 2010-11 to 2018-19. The states of India which top the female ratio is also ranked.
Shodha Prabha, 2022
Nowadays, individuals talk about a person's "financial health" to describe their monetary well-be... more Nowadays, individuals talk about a person's "financial health" to describe their monetary well-being. Previous studies have shown that even if people have substantial debt, they are generally content with their financial situation. In contrast, financially secure individuals may enjoy the outcomes of their endeavors. Reduced work prospects, fluctuating income, and rising family sizes all contribute to an economic health disparity among those making low to medium income. Therefore, income earners' excellent or ill financial health mainly depends on their money management methods. This study examines the correlation between financial literacy and financial health. The findings revealed a robust positive correlation between financial literacy and financial health. It's crucial to characterize wage workers' money management skills and how they put their knowledge to use when making significant financial decisions. Companies should encourage workers to participate in financial education programs to increase their financial literacy and decrease debt levels.
Journal of the Oriental Institute, 2022
Personal finance is not one of the most often taught subjects in educational institutions. The ma... more Personal finance is not one of the most often taught subjects in educational institutions. The majority of us will need to learn about personal finance either from our parents or on our own because it isn't a subject covered in many college degrees. Studies have proven that poor financial health of individuals impact greatly on the physical health. The same importance should be given to financial health as to physical and mental wellbeing. The study aims to measure the impact of Financial Knowledge on Personal Financial Management among the salaried population in Chennai city. The study proves that Financial Knowledge and Personal financial Management are positively correlated. More financial research and specialized centers are critically needed. Personal Financial Management demands academic financial recognition as an investment and corporate finance center.
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Papers by Dr Arockya Divya SF