Editor-in-Chief

ABSTRACT

PUNE RESEARCH DISCOVERY 

AN INTERNATIONAL JOURNAL OF ADVANCED STUDIES

( ISSN  2455 - 9202 ONLINE ) (JIF 2.07) 

 (VOL 2, ISSUE 4)   (NOV 2017 - JAN 2018) 

DR. NIKI MALHOTRA

ABSTRACT

India’s financial sector is not deeply integrated with the global financial system, which spared it the first round adverse effects of the global financial crisis and left Indian banks mostly unaffected. However, as the financial crisis morphed in to a full-blown global economic downturn, India could not escape the second round effects. The global crisis has affected India through three distinct channels: financial markets, trade flows, and exchange rates. The reversal in capital inflows, which created a credit crunch in domestic markets along with a severe deterioration in export demand, contributed to the decline of gross domestic product by more than 2 percentage points in the fiscal year 2008–2009. In line with efforts taken by governments and central banks all over the world, the Government and the Reserve Bank of India took aggressive countercyclical measures, sharply relaxing monetary policy and introducing a fiscal stimulus to boost domestic demand.

Keywords: Integrated, global financial system , reversal in capital flows, gross domestic product .

VIJAY M. GHUBLE

ABSTRACT

DR. A. JASMINE

ABSTRACT

Credit cards are innovative ones in the line of financial services offered by commercial banks. The idea of credit card was first developed by a Bavarian Farmer, Franz Nesbitum an American business who found himself without cash at a weekend resort founded Diner’s card in 1950. Right from that time, the commercial banks and non-banking companies in USA adopted the idea of credit card to develop their business. Barclay’s Bank was the first bank to introduce credit card in 1966 in Britain. Credit card culture is an old hat in western countries. In India, it is relatively a new concept that is fast catching on the present trend indicates that the coming years will witness a burgeoning growth of credit cards which will lead to a cashless society. Contrary to middle-eastern economics credit cards industry in India is still at a nascent stage with only 14% Indian respondents owning a card.

Key words-   card, culture, growth, business

DAMAYANTI REUEL PREMIER

ABSTRACT

A bank is a financial intermediary that accepts deposits and channels them into lending activities. They are the lifeblood of modern trade and commerce and control large part of money supply. Bank’s profitability can be measured by how efficiently bank deploys its total resources to maximize its net profits. The financial performance of a bank can be measured in the form of efficiency, liquidity, profitability, services, customer satisfaction etc. Financial performance is a scientific evaluation of the profitability and financial strength of any business. Financial statement analysis is used for the purpose of knowing financial performance. It helps to understand the significant facts and relationship concerning managerial performance, corporate efficiency, financial strength and weakness, credit worthiness. The technique of financial analysis is frequently applied with a view to determine continuity or discontinuity of the operating policies, investments value of the business, credit rating & testing the efficiency of operations. This study is entirely based on secondary data and different ratios have been applied to evaluate the financial performance of The Thane District Central Co-operative bank.

Keywords: DCCB, Net Worth, Return on Equity, Net profit Margin

DR. C. K. MUTHUKUMARAN

ABSTRACT

The Store Ambience is a domain that is made to create a boost among the client's discernments and feelings that will influence their buying conduct. The retail business is the movement of offer of good and administrations to definite customers, and the retailer as the monetary specialist that puts by and by such deals. This implies the retail business is made not just by the offer of items at the stores yet in addition through the business ideas of non-store and also benefits. Consequently the retail business either in items or in administrations is the last phase of the conveyance circuit, where the retailers accept an essential part of middle person between makers, wholesalers or different providers and the last shoppers.

Watchwords: Ambience, Consumer conduct, Purchasing conduct. 

DR. ANJUM AHMED & MS. RUKHSAR

ABSTRACT

Today’s technology has taken a revolutionary change and it has helped human being in developing and saving of money and time. But despite the benefits of technology it has created a huge waste of electronic and gadgets which is adversely effecting the environment and the life of people. Toxic of e-waste creates various type diseases among human beings. It can be preventing by providing awareness of e-waste and how to manage a large collection of e waste. The study will throw a light on how aware the senior secondary students are about e-waste and its disposal and management. This will help in future to include and emphasis e-waste topics in their textbook and curriculum. Environment education plays a significant role in the formal education system. The sample of the study consisted of 300 higher secondary students (150 girls and 150 boys) from Aligarh and Agra district. The tool used for the present study was ‘E-waste Awareness Scale’, which was developed by the investigator himself. The data was collected using two point scale and it was analyzed through simple statistical techniques like frequencies and percentages with respect to objectives framed for quantitative data. The results and implications of the findings are discussed in the paper.

Key words: e-waste, e-waste management, electronic wasteage

DR. K. KOTESWARA RAO

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HEMA PANDEY

ABSTRACT

Migration is one of biggest problem of the country. The skilled human resources are migrating frequently to metropolitan cities for searching good opportunities. Uttarakhand is most affected state of India. In Uttarakhand, higher educational institutions are also affected by this problem. Quality education is one of the biggest cause of migration of students in government higher education institutions. The primary reason of migration from Uttarakhand is searching better education, which leads for better employment.  For the better employment and education, people migrate from underdeveloped and developing areas to developed ones. In this research paper, we have analysed the reasons of migration of students of government higher education institutions of Uttarakhand in search of higher education in other states. Paper is based on secondary data. 

Key Words: Higher Education, Migration Uttarakhand   

DR. YOGESHCHANDRA K. BAROT

ABSTRACT

Education has been recognized as a basic human right by all the countries as per the declaration of Dhaka Summit and the EFA movement at Jointien (1990) aimed at transformation of educational values, structures and procedures in many parts of the world. World Declaration on Education for All (ECEFA 1990) has emphasized that education should ensure a safer, healthier, more prosperous contribution to social, economic and cultured progress, tolerance and international cooperation. Every person, child, youth and adult must be benefited from educational opportunities designed to meet their basic learning needs. During recent years phrases like "school improvement", "education reform", "better schools" etc have emerged as significant concepts. Schools are expected to focus on and deliver the cultural and organizational change needed for all types of continuous improvement. The teacher is the key role player in the school. For children he is a leader; a guide and a friend; he has to recognize the potential of child; one should have social maturity to deal with children of individual differences. This paper throws light on the leadership quality and its relationship with social maturity of trainee teachers of Aurangabad city... 

DR. SHYAM SHIRSAT

ABSTRACT

Sardar Vallabhbhai Patel was one of the great freedom fighters and makers of modem India. He was a pillar of strength to the people of a newly born nation. His contributions to nation building have been unparalleled. By nature, temperament and upbringing, Patel was a practical man, performing at his best as an organizer. An extra-ordinary feature of Sardar Patel was his ability to combine roles that are usually filled by many individuals having different training and contrasting sensibilities. He was a rare person who built and managed the congress party and an able administrator who unified India at a time of great uncertainty in the country.