NRJBFM - Journal of Banking and Finance Management

Archives Volume-10, Issue-1 (January-June)

Paper Title:: SUBSIDY: THE MEANS TO OVERCOME THE FINANCIAL CRUNCH
Author Name:: Harpreet Kaur
Country:: India
Page No.:: 1-8

SUBSIDY: THE MEANS TO OVERCOME THE FINANCIAL CRUNCH

Author: Harpreet Kaur

The word subsidy is derived from the Latin word subsidium, meaning “troops stationed in reserve”, and
literally implies ‘coming to assistance from behind’ Subsidy means grants. This grant may be in the
form of either cash or kind and is generally given to promote an economic policy or social policy.
Subsidy leads to the fall in the price of the subsidised product. Lower price of the product increases the
demand of the subsidised product and hence affect the market. Subsidies are one of the quintessential
attributes of any welfare state. The subsidy is given to fulfil the objectives to promote social welfare
through food subsidy, subsidizing electric vehicles, solar equipments, education loans, kerosene, oil
subsidy etc., to encourage economic activity by inducing higher consumption as well as production,
Offsetting market imperfection, achievement of social policy objectives including redistribution of
income, population control etc., to promote eco-friendly technologies like solar energy, electric vehicles
which may not be able to create its market due to higher upfront cost and competition.

Paper Title:: INDIAN FOREIGN POLICY – AN OVERVIEW
Author Name:: Harpreet Kaur
Country:: India
Page No.:: 15-20

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INDIAN FOREIGN POLICY – AN OVERVIEW

Author: Harpreet Kaur

A country's foreign policy, also called foreign relations or foreign affairs policy, consists of self interest
strategies chosen by the state to safeguard its national interests and to achieve goals within its
international relations milieu. The objectives of foreign policy in general guide the activities and
relationships of one state in its interactions with other states. The development of foreign policy is
influenced by domestic considerations, the policies or behaviour of other states, or plans to advance
specific geo-political designs. Foreign Policy is a strategy or planned course of action developed by
decision makers of a state vis-a-vis other states or international entities, aimed at achieving specific
goals defined in terms of national interests. The study of foreign relations is known as foreign policy
analysis (FPA) and the work is called diplomacy.

Paper Title:: ROLE OF BEHAVIORAL FACTORS IN INVESTOR’S INVESTMENT DECISION MAKING
Author Name:: Sakshi Gupta, Kamalpreet Kaur
Country:: India
Page No.:: 21-26

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ROLE OF BEHAVIORAL FACTORS IN INVESTOR’S INVESTMENT DECISION MAKING

Author: Sakshi Gupta, Kamalpreet Kaur

Investment decision making is a critical element in the investment process. Investors must determine their investing aim, the greatest level of risk they are willing to tolerate, as well as the frequency and duration of their investments. However, basic considerations, as well as demographic and psychological factors of investors, may influence investing decisions. Individual financial selections should be made with caution and thorough investigation and analysis. Investment always carries the danger of losing the money invested, and this loss is beyond the control of the investor. As a result, it is always advisable to monitor and analyze all risks before making investments. There are many behavioral factors which are being faced by investors while making investment decisions like over optimism, excessive volatility, herd behavior, over confidence etc.
KEY WORDS: Investment, Investment Decision Making, Behavioral Factors

Paper Title:: BANKING REFORMS: AN ANALYTICAL REVIEW
Author Name:: Deepti Sharma, Chandna Jain
Country:: India
Page No.:: 27-36

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BANKING REFORMS: AN ANALYTICAL REVIEW

Author: Deepti Sharma, Chandna Jain

Banking sector is the pillar of an economy. These pillars should be very strong to ensure Uninterrupted flow of funds into the economic system. In the context of economic liberalization and growing trends towards globalization, various banking sectors reforms have been introduced in India to improve the efficiency of Indian banks so that they can meet the
Internationally accepted standards of performances. Indian banking system continues to deal with improvement in asset quality, implementation of sensible risk management practices and capital adequacy. In this paper an analytical review on banking sector reforms in India have been done. The main objective of the paper is to understand and check the effectiveness of banking sector reforms in India.
KEYWORDS: Banking Sector Reforms, Liberalization, Globalization

Paper Title:: A STUDY ON PERFORMANCE MANGEMENT AND APPRAISAL
Author Name:: Aashima, Vikas, Sahil
Country:: India
Page No.:: 37-40

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A STUDY ON PERFORMANCE MANGEMENT AND APPRAISAL

Author: Aashima, Vikas, Sahil

Performance management and appraisal is a crucial process in an organization that seeks to align individual performance with organizational goals. This research paper aims to explore the significance, objectives, challenges, strategies, and literature review of performance management and appraisal. The study will utilize mixed research method approach that combines both qualitative and quantitative methods of data collection and analysis. The findings of the study will prove insights into the importance of performance management and appraisal, the challenges that organizations face, and strategies that can be adopted to improve the process.
Keywords: Performance Management, Appraisal, Organizational Goals, Individual’s Performance

Paper Title:: INFLUENCE OF GREEN BANKING IN INDIA: A COMPREHENSIVE ANALYSIS
Author Name:: Priyaka Khanna, Preeti Kalra
Country:: India
Page No.:: 41-53

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INFLUENCE OF GREEN BANKING IN INDIA: A COMPREHENSIVE ANALYSIS

Author: Priyaka Khanna, Preeti Kalra

This research paper examines the influence of green banking in India, with a focus on its environmental, social, and economic implications. Green banking, also known as sustainable banking or eco-banking, is an emerging concept that integrates environmental and social considerations into banking operations, thereby promoting sustainable development. India, as one of the world's fastest-growing economies with significant environmental challenges, presents a compelling case study for analysing the impact of green banking initiatives. This research paper explores the key influences of green banking in India, including its contribution to environmental sustainability, renewable energy financing, social inclusivity, and economic growth. Additionally, it identifies challenges and opportunities for the future development of green banking in the Indian banking sector.
KEYWORDS: Green Banking, India, Environmental Impact, Social Inclusivity, Economic Implications, Sustainable Development.

Paper Title:: AN ANALITICAL STUDY ON THE ROLE OF PRADHAN MANTRI GRAM SADAK YOJANA FOR RURAL EMPLOYMENT: WITH SPECIAL REFERENCE ON HAZARIBAG DISTRICT
Author Name:: Alok Kumar
Country:: India
Page No.:: 54-62

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AN ANALITICAL STUDY ON THE ROLE OF PRADHAN MANTRI GRAM SADAK YOJANA FOR RURAL EMPLOYMENT: WITH SPECIAL REFERENCE ON HAZARIBAG DISTRICT

Author: Alok Kumar

Prime Minister Atal Bihari Vajpayee in the year 2000 , initiated the PMGSY and also commenced his dream project of linking the village with a pucca road under PMGSY. Primarily PMGSY 2005 , was a central sponsored scheme. This period is called the first phase of PMGSY. The next and the second phase of PMGSY was started during the tenure of Prime Minister Narendra Modi in the year , 2014. Under this scheme , the ratio was settled as 60:40 for the allocation of fund. PMGSY is a Major partner of the World Bank. World bank is a crucial partner of Governmennt of India , alike other countries. There is a necessary support of world bank to PMGSY. World bank supported PMGSY TO alleviate poverty and to improve the rural livelihood. Presently the third phase of PMGSY is going on. Its duration is 2019 – 2024. The budget allocation of PMGSY for the financial year 2022 – 2023 has been made at 19000 crores.
KEYWORDS: Pmgsy , World Bank , Poverty , Budget .

Paper Title:: A STUDY ON THE IMPACT OF PRIORITY SECTOR LENDING ON RURAL AREAS: A SPECIAL REFERENCE TO HAZARIBAG DISTRICT
Author Name:: Sita Kumari, Anjan Choudhary
Country:: India
Page No.:: 63-75

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A STUDY ON THE IMPACT OF PRIORITY SECTOR LENDING ON RURAL AREAS: A SPECIAL REFERENCE TO HAZARIBAG DISTRICT

Author: Sita Kumari, Anjan Choudhary

Priority Lending is essential to India's inclusive prosperity. In order to ensure that economic development is consistent and filters down to all levels of the economy, credit allocation to priority industries is essential. The Scheduled Commercial Banks (SCB) in India are required by RBI to supply credit to priority sectors that have been defined as critical. All banks must meet the goals and subgoals for lending to priority sectors as a minimum percentage of Adjusted Net Bank Credit (ANBC) or Off-Balance Sheet Exposure (OBE), whichever is higher. This paper aims to understand how credit is delivered to the priority sector by public sector banks (PSBs) and private sector banks (PrSBs), analyze the ability of the banks to meet the targets and subtargets as Agriculture Advances, Micro, Small and Medium Enterprises Advances, and Weaker Sections Advances, and determine whether these banks are following the RBI's recommendations in providing credit to various sub segments of the priority sector, in particular, Agriculture, MSMEs, and Weaker Sections. Ratios were computed to determine the percentage of priority in the ANBC and the proportion of these priority advances in the overall advances.
KEYWORDS : Priority Sector, Public Sector Bank, Private Sector Bank, Adjusted Net Bank Credit, Off Balance Sheet Exposure, Total Advances, Agriculture, Micro, Small and Medium Enterprises, and Weaker Sections.

Paper Title:: SOCIO-ECONOMIC CONDITIONS OF HOUSEHOLDS IN TIKKER VILLAGE IN PANCHKULA DISTRICT, HARYANA
Author Name:: Manju, Neeraj
Country:: India
Page No.:: 76-81

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SOCIO-ECONOMIC CONDITIONS OF HOUSEHOLDS IN TIKKER VILLAGE IN PANCHKULA DISTRICT, HARYANA

Author: Manju, Neeraj

This study presents a comprehensive analysis of the socio-economic conditions of Tikker Village in the Panchkula District of Haryana, India. The village's geographical location, encompassing both hilly and plain terrains, adds complexity to its level of development and vulnerability to various hazards. The study aims to provide insights into the socio-economic factors that influence the overall well-being of the village, including family structure, caste composition, housing conditions, economic situation, education levels, and occupation structure. By examining these key aspects, the study intends to shed light on the village's socio-economic dynamics, contributing to informed decision-making and targeted interventions for sustainable development in Tikker Village.

Paper Title:: CATEGORIZING THE INDIAN CONSUMER ACCORDING TO THEIR PURCHASE INTENTION TOWARDS AFFORDABLE LUXURY APPAREL
Author Name:: Sheena Gupta, Sougata Banerjee
Country:: India
Page No.:: 82-91

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CATEGORIZING THE INDIAN CONSUMER ACCORDING TO THEIR PURCHASE INTENTION TOWARDS AFFORDABLE LUXURY APPAREL

Author: Sheena Gupta, Sougata Banerjee

A rising nation like India is seeing a significant rise in the availability of affordable luxury. The rise of affordable luxury brands may be attributed to a number of factors, including an increase in HNIs and an urban middle class with a preference for premium goods. Retailers and brand owners are finding the marketing landscape to be both demanding and intriguing. This study aimed to categorise the segment into customers with high and low purchase intentions using a discriminant equation based on certain recognised factors. The study attempted to predict the target segment's purchasing intentions during a time when brand awareness and brand knowledge are at their highest levels. Through this method, businesses may evaluate the market for their brand, which will in turn help the marketer to reduce the market risk.
KEYWORDS: Affordable luxury, apparel, discriminant analysis, purchase intention

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