UGC APPROVED JOURNAL

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TRANS Asian Research Journals

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http://www.tarj.in

A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h ( A J M R )

(D ou b l e B li n d R ef e r e e d & R e vi e w e d I nt e r n a ti on a l J ou r n a l )

U GC APP ROVE D JOU RNAL

SR.

NO. P A R T I C U L A R

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1.

ROLE OF ICDS IN EARLY CHILDHOOD EDUCATION: AN OVERVIEW IN MURSHIDABAD DISTRICT

Dr. Md. Nijairul Islam

7-17

2.

SYSTEMATIC REVIEW OF DETERMINANT TO HEALTH INSURANCE BUYING BEHAVIOR MODEL

Prof. Nimesh P. Bhojak

18-27

3.

EXTRACTION AND APPLICATION OF NATURAL DYE AND FRAGRANCE FINISH ON FABRIC

P. Nithya, P.Sasikala

28-32

4.

INSTITUTIONAL CLIMATE AND CONFLICT AMONG SCHOOL TEACHERS IN COIMBATORE DISTRICT

Dr. A. Siva kumar, A.Arun

33-41

5.

EMPLOYMENT AND ECONOMIC GROWTH IN INDIA: AN EMPIRICAL ANALYSIS OF SELECTED STATES

Nahid Parveen, Sanjeev Kumar

42-52

6.

ENGLISH FOR EMPLOYABILITY: A CASE STUDY OF THE MANAGEMENT STUDENTS IN INDIA

Dr Rashmi Rekha Borah, Dr Moon MoonHussain

53-66

7.

PERFORMANCE OF COMMERCIAL BANKS IN CONVERTING BANK DEPOSITS TO MUTUAL FUND AUM

Dr. Joy Das, Dr.Parag Shil

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8.

QUALITY OF SERVICES IN LIFE INSURANCE SECTOR: A COMPARATIVE STUDY OF PERCEPTIONS AND EXPECTATIONS OF POLICYHOLDERS

Monika Agarwal, Dr Samridhi Tanwar

81-87

9.

ATTRIBUTE LEVEL PERFORMANCE-SATISFACTION-BEHAVIOURAL INTENTION LINK: ROLE OF PRODUCT AND SERVICE CROSSOVER EFFECTS AMONG INDIAN MILLENNIALS

Raishung Marvin R, Veeva Mathew

88-100

10.

DIGITAL PAYMENT SERVICES: A MOVE IN THE WAY OF CASHLESS ECONOMY

Deepak Kapoor, Muskan Kaura

101-106

11. IN VITRO MICROPROPAGATION OF ROSA DAMASCENA MILL L Uma Maheswari N, Vaishnavi K

107-114

12. INFLUENCE OF EUROPEAN MARKETS ON INDIAN STOCK MARKET Dr.A.N Vijaya kumar

115-134

13.

EPIDEMIOLOGICAL ASPECTS OF THE INCIDENCE OF ENDOMETRIAL CANCER IN THE CITY OF TASHKENT

Tursunova Nodira Isroilovna, Atakhanova Nigora Ergashevna

135-139

14.

ANALYTICAL PERSPECTIVES ON INDEX NUMBERS: ADVANCEMENT AND APPLICATIONS

Dr. K. Shanmugan

140-146

15.

COW PROTECTION LAW IN UTTAR PRADESH: A CRITICAL EVALUATION

Haricharan Singh Yadava

147-163

16.

EXPLORING PSYCHOLOGICALWELL-BEING WITH REFERENCE TO AGE AND GENDER DIFFERENCES

Zarreen Zaheer, Rashmi

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17.

STATUS OF WETLANDS IN PUNJAB: A REVIEW ON POLICY FRAMEWORKS

Gaurav Kumar, AmandeepKaur

169-177

18.

PROFITABILITY ANALYSIS OF A SMALL ENTERPRISE - A CASE STUDY OF POWER OXIDES PRIVATE LIMITED

Dr. Venkateswararao. Podile

178-188

19.

RIDING ON LIQUIDITY, DEMONETIZATION AND DIGITALIZATION: REVISITING BUDGET 2017-18

Prashanta C. Panda, Rasananda Panda, Manoj Sahoo

189-193

20.

A STUDY OF FRUSTRATION AMONG SENIOR SECONDARY STUDENTS IN RELATION TO THEIR VOCATIONAL PREFERENCES AND STREAM OF STUDY

Rahed Razzak Sk

194-204

21.

THE RELATIONSHIP BETWEEN PRODUCTION EFFICIENCY AND ECONOMIC EFFICIENCY OF AGRICULTURAL EXPORT A- CASE STUDY OF YEMEN

Yasmeen Mohammed Alwan, S.N.Yogish

205-212

22.

“GOVERNMENT INITIATIVES AND ISSUES INVOLVED IN WOMEN EMPOWERMENT”

Dr. Jeet Singh

213-220

23. MAKE IN INDIA: HR PRACTICES AND VARIOUS CHALLENGES Muskan Kaura

221-228

24.

GEO-STRATEGIC ENVIRONMENT OF THE INDIAN OCEAN: CONTEMPORARY TRENDS

Harvinder Singh

229-246

25. WOMEN WELFARE SCHEMES IN HARYANA: A STUDY MS. Payal Lamba

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26.

FURTHER EVIDENCE ON ASSOCIATION BETWEEN CORPORATE GOVERNANCE AND FIRM PERFORMANCE IN INDIAN SCENARIO

Mr. Pranesh Debnath

255-266

27.

DEVELOPMENT OF TEACHING THE SCIENCE “INFORMATICS AND INFORMATION TECHNOLOGIES” ON THE BASIS OF NETWORK TECHNOLOGY

Аbdukadirov Аbdukahhar Аbduvakilovich, Yuldashev Ismoil Abrievich

267-276

28. SUKANYA SAMRIDDHI YOJANA: AN APPRAISAL MS. Payal Lamba

277-281

29.

STRATEGIC AND ECONOMIC DIMENSIONS OF RELATIONSHIP BETWEEN TWO SOUTH ASIAN STATES: A CRITICAL ANALYSIS IN AN ERA OF GLOBALIZATION

Mahesh Admankar

282-287

30.

IMPACT OF GATS ON HIGHER EDUCATION IN PUNJAB AND HIMACHAL PARDESH

Dr. Ajay Sharma

288-307

31. GITA MEHTA’S RAJ : A STUDY OF COLONIZED INDIAN POLITICS Dr Satinder Singh

308-312

32. CONCEPT OF JUDICIARY IN ANCIENT INDIA Dr Barjinder Singh Tohra

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

( D ou b l e B li n d R ef e r e e d & R e vi e w e d I n te r n a ti on a l J ou r n a l )

UGC A PPRO VED JO URN AL

ROLE OF ICDS IN EARLY CHILDHOOD EDUCATION: AN OVERVIEW

IN MURSHIDABAD DISTRICT

Dr. Md. Nijairul Islam*

*Assistant Professor, Gazole Mahavidyalaya, INDIA. Email id: [email protected]

_______________________________________________________________

ABSTRACT

Education is a life-long process. It starts in the mother‘s womb and ends at death. After birth, a child‘s early exposure to educational experiences can have a long-lasting effect on its future competence and achievement. It is during the early years that children develop cognitive, physical, social and emotional skills that they need to succeed in later life. Deficit in these areas of development can have long-term implications for the child, often affecting its ability to respond to the challenges provided later in the educational process. The educational provision for early childhood education (ECE) up to five or six years of age has received support from a wide range of research findings. ECE generally refers to the educational programmes for children, which are deliberately designed to stimulate their age-appropriate development and make them primary school-ready. The earliest formal documentation of ECE as an organized

initiative in India dates back only to the first half of the 20th century. Over the past half century,

India has been able to put together a fairly supportive policy framework in the field of ECE and has launched some major initiatives in this respect, Integrated Child Development Services (ICDS) being the most effective one. This paper sheds light on the importance of ECE, the role of ICDS in this respect, especially in Murshidabad district, major issues and concern regarding smooth functioning of ICDS in the arena of pre-school education, and some suggestions to get over the lacunae prevalent in the present practice.

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WEBSITES

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

SYSTEMATIC REVIEW OF DETERMINANT TO HEALTH INSURANCE

BUYING BEHAVIOR MODEL

Prof. Nimesh P. Bhojak*

*Assistant Professor,

Department of Hospital Management,

Hemchandracharya North Gujarat University, INDIA. Email id: [email protected]

_______________________________________________________________

ABSTRACT

While health insurance is not a new product and with the time majority people aware of it, but this awareness has not reached to that extent that people buying the Health insurance. The study is descriptive in nature and based on the systematic review of the literature. To know health insurance buying behavior, the study has been examining the determinants of health insurance buying behavior. While this stream of research has shaped significant findings, it has yet to substantially precede our understanding behavior in health insurance buying behavior. To fill this gap, the existing paper utilizes a systematic review to combine past research, disclose the key determinants of health insurance buying behavior, and illuminate a deeper understanding of the topic. The various demographic social and economic variables used for the survey are earning or wage structure, expenditure, savings, education, health insurance literacy, health risk, health infrastructure availability, health insurance plan, Third party administrators etc. This study thus helps health insurance researchers enlarge their baseline understanding of these foundation determinants and carry out more productive future research on health insurance buying behavior in healthcare. The study described the determinant of the health insurance buying behavior of household‘s model.

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

EXTRACTION AND APPLICATION OF NATURAL DYE AND

FRAGRANCE FINISH ON FABRIC

P. Nithya*; P.Sasikala**

*Assistant professor,

Department of Costume Design and Fashion, PSG College of Arts & Science,

Coimbatore, INDIA.

Email id: [email protected] ** Associate professor

Department of Costume Design and Fashion, PSG College of Arts & Science,

Coimbatore, INDIA. Email id: [email protected]

_______________________________________________________________

ABSTRACT

The dyestuff of the industries plays a major role in the discharge of wastewater. The wastewater will pollute the land resources, to overcome with that alternative method of eco-friendly natural dyeing was used. In the present study, Kum Kum is a combination of turmeric and limestone used to dye the textiles. It causes less toxicity and generally exhibits better biodegradability and compatibility with the environment. Khadi is handmade, durable, long lasting and organic in nature so it has a worldwide appreciation in the world. It allows ample amount of air to pass over and around the body due to its weave structure. It has the capacity to absorb moisture. Thyme oil can be used to stimulate the mind, strengthen memory and concentration and calm the

nerves. The aromatic finish is used to enhance the value of the product. The study indicates that

almost all variables showed their performance and findings of the fabric.

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sindoor, natural product radiance, vol 7(1), pp. 22-29

8) Jaggi Lal,(2012)“Turmeric, Curcumin and Our Life: A Review”, Bulletin of Environment, Pharmacology and Life Sciences, Online ISSN 2277 – 1808 Bull. Environ. Pharmacol. Life Sci.; Volume 1 [7] June: 11 – 17

9) Hamid Nasri, Najmeh Sahinfard, Mortaza Rafieian, Samira Rafieian, Maryam Shirzad, Mahmoud Rafieian-kopaei,(2014) “Turmeric: A spice with multifunctional medicinal properties”, “Journal of HerbMed Pharmacology”, Journal of Herb Med Pharmacology, Volume 3, Number 1, June,5-8.

10) (http://articles.mercola.com/herbal-oils/thyme-oil.aspx)

11) Mohamed L. Ashour, Nahla A. Ayoub, Abdel Nasser B. Singab and Mohamed M. A Azizi., (2013), “Simmondsia Chinensis (Jojoba): A Comprehensive Pharmacognostic Study, Journal Of Pharmacognosy And Phytochemistry, Issn 2278- 4136, Vol 2 Issue 2, Pp.97

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

INSTITUTIONAL CLIMATE AND CONFLICT AMONG SCHOOL

TEACHERS IN COIMBATORE DISTRICT

Dr. A. Siva kumar*; A.Arun**

*District: Erode, Tamil Nadu, INDIA.

Email id: [email protected] **Ph.d Scholar,

Department of Education, Bharathiar University,

Coimbatore, INDIA.

_______________________________________________________________

ABSTRACT

This study tried to find out the institutional climate and conflict among the school teachers. Objectives of the study: 1. To explore the level of institutional climate and conflict among school

teachers in Coimbatore district. 2. To examine the institutional climate and conflict among

school teachers in Coimbatore district. Methodology: The investigator adopted survey method

for the study. Sample: Three hundred and seventy eight (378) school teachers were selected as

sample for the study. Tool: Institutional climate and Conflict scales developed by

Prof.Dr.S.Sathiyagirirajan were used for the study. Findings: The results showed that the level

of Institutional Climate among school teachers is favorable and the level of conflict is average. It was found that there is a very high negative significant relationship between the institutional climate and conflict among school teachers.

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REFERENCE

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Akhilesh, A. (2013). A Comparative Study of Institutional Climate of Aided and Self- Financed Teacher Education Institutions, European Academic Research, Vol. I, pp.41- 46.

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Bhattacharya, S. and Mukherjee, M. (2013). Organizational Climate and Work Motivation – A study on Private sector organization. Indian Journal of Research, Vol. 2, Issue 1, pp. 136-138. Bhattacharya, S. and Neogi, D.G. (2006). Goal settings tendencies, work motivation and organizational climate as perceived by the employees, Journal of the Indian Academy of Applied Psychology, Vol. 32, No. 1, pp. 61-65.

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Johnson, S. and Birkeland, S. (2003). The Schools that Teacher Choose, Keeping Good Teachers. pp. 20-24.

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Ogunsaju S. 1982. Educational Supervision Perspectives and Practice in Nigeria, University of Ife Press. Okeke, B. S. and Uwazurike C. N. 1997. Introduction toEducational Administration, Owerri, Klet-Ken Publisher Ltd.

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Shukla, H. and Pareta, A. (2013). A Study of Organizational Climate Perceived by the Employees of a Cooperative Dairy. Pacific Business Review International, Vol. 6, Issue 6, pp. 6-12.

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Wiyono, B.B. (2016). Comparation of Teachers’ Work Motivation Based on Gender, Age, Educational Level, Work Duration, Rank, and School Level, Journal of Education and Social Sciences, Vol. 3, pp. 61-66.

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

EMPLOYMENT AND ECONOMIC GROWTH IN INDIA: AN EMPIRICAL

ANALYSIS OF SELECTED STATES

Nahid Parveen*; Sanjeev Kumar **

*Assistant Professor,

Z. H. D. (E) College, University of Delhi, Delhi, INDIA.

Email id: [email protected] **Assistant Professor, Department of Economics,

University of Lucknow, Lucknow, INDIA. Email id: [email protected]

_______________________________________________________________

ABSTRACT

After initiation of economic reforms, India has made great progress in economic growth and employment. Achieving regional equality has been and continues to be one of the prime concerns of development policy in India. States within India differ greatly in terms of economic growth and employment potential. This paper examines trends, patterns and relationship of employment and growth in India during last thirty years for fourteen selected major states. The result

indicates that most of the states recorded employment growth during the later period in the

informal sector. The consolidated employment growth in the post-reform period has been

declined sharply. Employment growth is faster in states that have had initially more diversified

economies. It is also observed that Haryana have attained a highest growth in NSDP among the

states followed by Gujarat, Andhra Pradesh, Kerala, Maharashtra and Karnataka in that order. The regression results of random effect model (REM) confirm that growth rate of employment have a significant positive impact on the growth rate of employment at the state level. Further, the inter-state variation in employment and growth has serious implications not only for equity, but also for the sustainability of a high growth rate of NSDP as well as employment opportunities. It will need good governance and deeper involvement of local people in the development processes to enhance employment and growth.

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SELECTED REFERENCES

Ahluwalia, M.S. (2001), "State Level Performance under Economic Reforms in India.” Working Paper No. 96, Center for Research on Economic Development and Policy Reform, Stanford University.

Ahsan, Ahmad and Pages Carmen., (2006), “Some Implications of Regional Differences in Labour Market Outcomes in India”, in Institute of Human Development, India: Meeting the Employment Challenge, Conference on Labour and Employment Issues, July 27-29, New Delhi Bagchi, Amaresh, and John Kurian (2005), “Regional Inequalities in India: Pre- and Post-Reform Trends and Challenges for Policy”, in Jos Mooji (ed), The Politics of Economic Post-Reforms in India, Sage Publications, New Delhi

Das, S. K., and A. Barua (1996), “Regional Inequalities, Economic Growth and Liberalisation: A Study of the Indian Economy.”, The Journal of Development Studies, 32, No.3, 364-390

Dreze, J., and Amartya Sen (1996), Indian Development, Selected Regional Perspectives, Clarendon Press, Oxford

Hasan, Rana, Devashsish, Mitra, and K. V. Ramaswamy. (2007), “Trade Reforms, Labor Regulations and Labor Demand Elasticities.”, Review of Economics and Statistics, 89, No.3, 466-481

Hausman, Jerry A. (1978), ―Specification tests in econometrics.", Econometrica, No. 46, pp.

1251-1271.

Krishna, K. L., (2004), “Patterns and Determinants of Economic Growth in Indian States”, Working Paper No.144, ICRIER, New Delhi

National Sample Survey Organization (various round), Employment and Unemployment

Situation in India, Government of India.

Papola T. S. and Sahu (2012), Growth and Structure of Employment in India, New Delhi: ISID Reserve Bank of India, Handbook of Statistics on Indian Economy, Government of India. https://www.rbi.org.in/Scripts/Publications.aspx?publication=Annual

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

ENGLISH FOR EMPLOYABILITY: A CASE STUDY OF THE

MANAGEMENT STUDENTS IN INDIA

Dr Rashmi Rekha Borah*; Dr Moon MoonHussain**

* Assistant Professor, VIT Chennai, INDIA. Email id: [email protected]

**Assistant Professor, B.S. AbdurRahman,

Crescent Institute of Science and Technology, Email id: moon@crescent education

_______________________________________________________________

ABSTRACT

The rapid development of Business English teaching in the management institutes prompts changes in the ways and methods of teaching and preparing students for continuous learning and effective use of the language to communication with people from various parts of the globe. Now with multimedia computers and internet resources available to common people, Business English presents English language teaching and learning with unprecedented opportunities as well as challenges. This paper offers a ground which serves as a theoretical basis for the further investigation on teaching Business English in India. The purpose of this paper is to survey and evaluate relevant research in teaching Business English in India. This article examines the effectiveness of English language courses offered in the management colleges of India. However ,the author do believe that there are a few highly commendable management institutes in India like the IIMs.But not all institutes follow the norms of these premium institutes of India.

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REFERENCES:

1) Clement, A, and Murugavel T. "English for Employability: A Case Study of the English Language Training. Need Analysis for Engineering Students in India."English Language Teaching 8.2 (2015) 2 May 2015

2) Dudley-Evans, T., & St. John, M. (1998). Development in English for Specific Purposes. Cambridge: Cambridge University

3) Furuya, C. (1998, October/November) Assessing the needs of Japanese Engineers Abroad. TESOL Matters, p. 16.

4) Garcia-Mayo, M. (1995). Designing an ESP course for health science students. ASP: La Revue du GERAS, 7/10, 501-510.

5) Graddol, D. (2010). English Next, India. New Delhi: British Council

6) Haissinski, Y., &Maury, M. (1990). Enquetesur les besoins en anglais des cadresscientifiques en entreprise [A study of English needs of scientific executives in business]. Les Langues Modernes, 1, 124-130.

7) Hutchinson, T., & Waters, A. (1987). English for specific purposes. Cambridge: Cambridge University

8) Hyland, K. (2006.English for academic purposes: An advanced resource book.Oxford: Routledge.

9) Holden, W. (1995). Instructors as business people, business people as instructors: The needs analysis in a negotiated syllabus for corporate learners. The Journal of Language for International Business, 6(2), 55-66.

10)Jihyeon, J. (2009). Key issues in applying the communicative approach in Korea. 11)English teaching, 64(4), 123-150. http://dx.doi.org/10.15858/engtea.64.4.200912.123

12)Jasso-Aguilar, R. (2005). Sources, methods and triangulation in needs analysis: A critical perspective in a case study of Waikiki hotel maids. In Long, M. (Ed.), Second language needs analysis (pp.127-158). Cambridge: Cambridge University.

13)Lombardo, L. (1988). Language learner's needs interests and motivation: A survey of EFL students in an Italian Economics Faculty. (ERIC Document Reproduction Service No. ED 304 006)

14)Louhiala-Salminen, L. (1996). The business communication classroom vs reality: What should we teach today? English for Specific Purposes, 15(1), 37-51.

15)Long, M. H. (Ed.). (2005). Second language needs analysis. Cambridge: Cambridge University Press.

16)Moody, J. (1993). An assessment of language needs for technical communication in a multilingual speech community: Implications for teaching LSP in Papua New Guinea. Paper presented at the annual meeting of the Southeast Asian Ministers of Education Organization regional language center seminar. (ERIC Document Reproduction Service No. ED 344 472) 17)Munby, J. (1978). Communicative syllabus design. Cambridge: Cambridge University Press. 18)Pratap, Abhishek and Iqbal. Tabish(2015)

“English_for_Employability_as_Global_Language”https://www.researchgate.net/publication /273451908

19)Pennington, M. C. (1993). Research on language in Hong Kong: An overview.Revised version of a paper presented at the Pacific Language Research Forum, Sydney,Australia. (ERIC Document Reproduction Service No. ED 367 176)

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21)Robinson, P.C. (1991). ESP today: A practitioner‘s guide. New York: Prentice Hall International.

22)Springer, C. (1992). Les centres de langues des GRETA [The GRETA language Centers].Les LanguesModernes, 1, 9-19

23)Strevens, P. (1988a). New orientations in the teaching of English. Oxford: Oxford University Press.

24)Strevens, P. (1988b). ESP after Twenty Years: A Reappraisal. In M.L.Tickoo (ed.) ESP:

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

PERFORMANCE OF COMMERCIAL BANKS IN CONVERTING BANK

DEPOSITS TO MUTUAL FUND AUM

Dr. Joy Das*; Dr.Parag Shil**

* Assistant Professor, Department of Commerce, Tripura University, Suryamaninagar,

Tripura, INDIA. Email id: [email protected]

**Associate Professor, Department of Commerce, Assam University, Silchar, INDIA. Email id: [email protected]

_______________________________________________________________

ABSTRACT

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KEYWORDS:Asset under Management, Bank deposits, Commercial Banks, Mutual fund. ______________________________________________________________________________ REFERENCE:

 Association of Mutual Funds in India. (2017, August). Indian Mutual Fund Industry's Avg.

Assets Under Management (AAUM) crosses R20 Lakh Crore- an all time high. Retrieved

August 24, 2017, from AMFI Website: https://www.amfiindia.com/indian-mutual&grqid=_vmXZLEB&hl=en-IN

 Babu, G. R. (2005). Financial Services in India. New Delhi: Concept Publishing Company.  Bakhshy, A. K. (1992). Need for Diversification. Banking For Better Profitability (pp.

499-512). Bangalore: Macmillan India.

 Baltagi, B. (2001). Econometric Analysis of Panel Data. London: John Wiley & Sons.

 Baltagi, B., Bratberg, E., & Holmas, T. (2005). A Panel Data Study of Physicians' Labor Supply: The Case of Norway. Health Economics, 14 (10), 1035-1045.

 Das, J., & Shil, P. (2017). A Study on the Growth and Pattern of Indian Mutual Fund Industry. International Journal of Applied Management Research, 4 (1), 136-151.

 Dutt, R., & Sundaram, K. (1991). Indian Economy. New Delhi: S. Chand.

 Gordon, E., & Natarajan, K. (2009). Financial Markets and Services. Mumbai: Himalaya Publishing House.

 Kamesam, V. (2001). Indian Insurance at the Crossroads. Economics Development in India:

Monthly Update, 45, 121

 Kapila, R., & Kapila, U. (2003). India's Banking and Financial Sector in the New

Millennium. New Delhi: Academic Foundation.

 Kapoor, G. P. (2004). Commercial Banking. New Delhi: A.P.H. Publishing Corporation.  Karunagaran, A. (2008). Universal Banking in India: Progress and Assessment. In M.

Sharma, Dynamics of Indian Banking: Views and Vistas (pp. 237-273). New Delhi: Atlantic.  Koeva, P. (July 2003). The Performance of Indian Banks During Financial Liberalisation.

IMF working paper, WP/03/150.

 Koundal, V. (2012). Performance of Indian Banks in Indian Financial System.

InternationalJournal of Social Science and Interdisciplinary Research, 204-213.

 Kumar, S., & Gulati, R. (2014). Deregulation and Efficiency of Indian Banks. New Delhi: Springer.

 Machiraju, H. R. (2007). Indian Financial System. Mumbai: Vikas Publishing House Pvt. Ltd.

 Malhotra, D., Poteau, R., & Singh, R. (2011). Evaluating the Performance of Commercial Banks in India. Asia Pacific Journal of Finance and Banking Research, 15-37.

 Narasaiah, M. L., & Venkatesulu, L. (1999). Financing of Agriculture by Commercial Banks.

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 Ojha, N. P., Karira, G., Sharma &Dwibedi, S. (2008).Indian Mutual Fund Industry: Vision

2015. Mumbai:ICC Monitor Group.

 PTI. (2016, December 26). Household owned majority of deposits in banks till March 2016:RBI. The Economic Times .

 Reserve Bank of India. (2008). Evolution of Banking in India. Mumbai: Reserve Bank of India.

 Saggar, S. (2005). Commercial Banks in India. New Delhi: Deep and Deep Publications Pvt. Ltd.

 Siddaiah, T. (2011). Financial Services. Noida: Dorling Kindersley (India) Pvt. Ltd.

 Singh, J. (2006). Mutual Funds: Growth, Performance and Prospects. New Delhi: Deep and Deep Publications Pvt. Ltd.

 Tripathy, N. P. (1996). Mutual Fund in India: A Financial Service In Capital Market.

Finance India, X(1), 85-91.

 Tripathy, N. P. (2007). Mutual Funds in India: Emerging Issues. New Delhi: Excels-Books.  Vaid, S. (2008). Mutual Funds in India: The Emerging Scenario. In B. S. Bhatia, & G. S.

Batra (Eds.), Management of Financial Services (pp. 110-135). New Delhi: Deep & Deep Publications Pvt. Ltd.

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

QUALITY OF SERVICES IN LIFE INSURANCE SECTOR: A

COMPARATIVE STUDY OF PERCEPTIONS AND EXPECTATIONS OF

POLICYHOLDERS

Monika Agarwal*; Dr Samridhi Tanwar**

*Research Scholar, Maharashi Dayanand University,

Rohtak, Haryana, INDIA. Email id: [email protected]

**Assistant Professor,

Technological Institute of Textile & Sciences, Bhiwani, Haryana, INDIA.

Email id: [email protected]

_______________________________________________________________

ABSTRACT

With the development of the information technology and more educated, informed and more aware customer had toughened the competition for the companies operating in the market. This can be more noticeable in the life insurance sector of India. The success of life insurance companies depends upon the quality of service they deliver to their customers. Life insurance companies must know the level of service quality at which they are operating from the customer‘s point of view. So they can focus on the inculcating such strategies and policies in their vision so as to enhance and improve their service quality for achieving competitive advantage in the market. The present paper focused on studying gap of service quality in regard to factors of service quality in life insurance sector.

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REFERENCES

1. Angur, M. G., Nataraajan, R. &Jahera, J. S. (1999), “Service quality in the Banking Industry: An Assessment in a Developing Economy”, The Journal of Services Marketing, 13 (2): pp. 132-50.

2. Porter, M. E. (1985), Competitive Advantage. New York: The Free Press.

3. Berry, L. (1999), “Discovering The Soul of Service: The Nine Drivers of Sustainable Business Success”, New York: The Free Press.

4. Berry, L., Parasuraman, and Zeithaml (1988), "The Service Quality Puzzle," Business Horizons, 31 (September-October), 35-43.

5. Mehta, S.C., Lobo, A. &Khong, H.S. MSS, MSA and Zone of Tolerance as Measures of Service Quality: A Study in The Life Insurance Industry. Second International Services Marketing Conference. University of Queensland. 2002.

6. Joseph, M., Stone, G. & Anderson, K. Insurance Customers’ Assessment of Service Quality: A Critical Evaluation. Journal of Small Business and Enterprise Development. 2003; 10(1): 81-92.

7. Alok Mittal & Akash Kumar. An Exploratory Study of Affecting Selection of Life Insurance Products. NaliniParavaTripathy and PrabirBal (Eds). Insurance Theory and Practice. New Delhi. Prentice-Hall India Private Limited. 2007; 72-81.

8. Vanniarajan, T &Jeyakumaran, M. Service Quality and Customer Satisfaction in Life Insurance Market. Pravartak. 2007; 11(3): 159-170.

9. Siddiqui, M.H. & Sharma, T.G. Analyzing Customer Satisfaction with Service Quality in Life Insurance Services. Journal of Targeting, Measurement and Analysis for Marketing. 2010; 18(3): 221-238.

10.Gautam, Vikas. Service Quality Perceptions of Customers about Insurance Companies: An Empirical Study. Indian Journal of Marketing. 2011; 41(3): 8-20.

11.Sharma, Kant. Ravi.,Goel, Kumar. Raj. & Bansal, M.R. Service Quality Assessment in Insurance Sector: A Comparative Study between Indian and Chinese Customers. Research Journal of Finance and Accounting. 2011; 2(5).

12.Srivastava, M. Service Quality Gap in Life Insurance Industry. ENVISION – International Journal of Commerce and Management. 2015; 9: 98-102

13.Kumar, Rohit& Singh, Manjit. (2010), “Using SERVQUAL model for comparative service quality analysis of the Indian non-life insurance sector”, Paradigm Publisher: Institute of Management Technology Audience.

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22.http://www.differencebetween.info/difference-between-life-insurance-and-general-insurance 23.http://www.indianmirror.com/indian-industries/2014/insurance-2014.html

24.https://www.ibef.org/archives/detail/b3ZlcnZpZXcmMzcxMDMmODAw

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

ATTRIBUTE LEVEL PERFORMANCE-SATISFACTION-BEHAVIOURAL

INTENTION LINK: ROLE OF PRODUCT AND SERVICE CROSSOVER

EFFECTS AMONG INDIAN MILLENNIALS

Raishung Marvin R*; Veeva Mathew **

*PGDM,

Rajagiri Business School, Kochi, Kerala, INDIA. Email id: [email protected]

**Associate Professor, Rajagiri College of Social Sciences,

Kochi, Kerala, INDIA.

_______________________________________________________________

ABSTRACT

With an increasing number of firms started offering product and service exclusively, the role of product and service attributes and satisfaction in the formation of behavioural intentions have changed. So the researchers have re-looked into the contribution of attributes-satisfaction-behavioural intentions link for both product and service simultaneously. The study has also included the cross-over effects of service satisfaction on to behavioural intentions towards the product and vice-versa, replicating the research of Mittal, Kumar and Tsiros (1999). The conceptual model was tested among millennials among the customers of the top six two-wheeler brands in India. The results suggested that both cross-over effects are significant in the formation of behavioural intentions. Findings of this study help the marketers in allocating their resources among product and service subsystems.

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Bagozzi, R. P. (1985). Expectancy-value attitude models: An analysis of critical theoretical issues. International Journal of Research in Marketing, 2(1), 43-60.

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Branchik, B. J. (2010). Silver dollars: The development of the US elderly market segment. Journal of Historical Research in Marketing, 2(2), 174-197.

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A s i a n J o u r n a l o f

M u l t i d i m e n s i o n a l

R e s e a r c h

( A J M R )

DIGITAL PAYMENT SERVICES: A MOVE IN THE WAY OF CASHLESS

ECONOMY

Deepak Kapoor*; Muskan Kaura**

*Assistant Professor in Commerce, Kamla Lohtia Sanatan Dharam College,

Ludhiana, INDIA.

Email id: [email protected] **Assistant Professor in Commerce, Kamla Lohtia Sanatan Dharam College,

Ludhiana, INDIA.

_______________________________________________________________

ABSTRACT

The demonetization resulted in tremendous growth in digital payments. With the government initiative such as Digital India and increased use of mobile and internet are means to exponential growth in use of digital payment. This transformation towards digital payments benefits in more transparency in transactions which empowers the country‘s economy. In recent days many changes took place in the payment system like digital wallets, UPI and BHIM apps for smooth shift to digital payments. Electronic Mechanism is a symbiotic assimilation of communication, data management and security capabilities to allow business application within different organizations to automatically exchange information through E-Channels. E- Marketing has been redefined by the dynamics of internet. The ease of using, efficiency increasing and quickness has bought the national and international presence of people towards each other. With the coming of E- Channel of Banking it has created a platform for every person. The up gradation of E-Source such as Debit Cards, Credit Cards, Smart Cards, ATM‘s has linked the customer‘s orientation with each other with increased efficiency. The objective of this research paper is to study the positive impact that Digitization of payment system. This study aims to analyze the knowledge of E- Marketing & E- Banking in Ludhiana district.

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