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** Authors are invited to submit manuscripts for May 2020 issue.

** April 2020 issue of AARF Journals is officially released.


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  • ICT and e-Governance – “Significant Efforts for Rural Development in India”

Mr. Akhilesh Manekar

Rural e-Governance applications in the recent years have demonstrated the important role of the Information and Communication Technologies (ICT) in the rural development. Numerous e-Governance projects have attempted to improve and enhance the base, minimize the processing costs, increase transparency, and reduce the cycle times. Several states have initiated to facilitate electronic access of the state and district administration services to the citizens in villages.

  • An analytical study of perception of customers in using E- banking services in Nagpur Region

Anagha Bhope Bobde

Since LPG era Indian banking system has undergone the radical changes. Earlier the banking system which was for classes have changed into banking for masses. Besides lending and borrowing which were the main functions of the bank, it has started providing myriads of services to the customers. These structural changes were only possible because of the internet banking or E- banking services. Despite this, due to conservative nature of the customers they are hesitant in using these services. While conducting the research it was being observed that even customers from highly qualified class do not use these services too. This study is an attempt to understand the vitality of various determinants that act as stimulus in guiding different segment of customers to use E- banking services.

  • “Contribution of Maharashtra Center for Entrepreneur Development (M.C.E.D) and District Industrial Centre (D.I.C.) in Development of Entrepreneurs in Nagpur District- A Descriptive Study”

Prof. Anita Randhir

After the independence there was emergence of need of industrialization but due to different problems there was no proper industrial development in India. Instead of increased industrialization the population of India was increased rapidly. Various ill attitudes were developed in India due to the rapid increase in population. There was increase in unemployment, crime and suicide incidences of youths in India. Central and state governments are trying to reduce unemployment in community, to create faith in youths regarding entrepreneurship and to create entrepreneurs.

  • Insurance Brand name effect on Consumer satisfaction

Annapurna Metta (Sarjare), Dr. Ravindra Aher

This research explores consumer satisfaction relevant to the purchase of life insurance products and compares the satisfaction which is affected by the different insurance product categorized by brands & their services. The research shows that trust, competence, and product brand & its services play a vital part in consumer satisfaction. It can be determine whether consumer satisfaction affects with the change in brand name & if distribution, services and marketing methods evolve.

  • Consumer’s Tastes preferences and priorities for Pricey Durables as revealed by Actual purchases in National Capital Region of Delhi

Anshu Goel

It is easy to produce but extremely difficult to sell products, especially the pricey consumer durables in a highly competitive globalized Indian market. Conventional wisdom postulates that price and income constraints are the major determinants of consumers‟/buyers‟ choices and resultant purchase decisions. Income constraint is overcome by access to finance, but prices have no such options except the choice of inferior quality lower priced goods/models.

  • Health Drinks and Role of Branding with special reference to Nagpur Districts

Prof. Arvind D. Khadse

Over the last decade the health consciousness of consumers has become an important factor driving the Health food drink market. These drinks are traditionally consumed as milk substitutes and marketed as a nutritious drink, mainly consumed by the old, the young and the sick. The product concept holds that consumers will favor those products that offer the most quality, medically accepted and recommended nutritional content and a good flavor which is almost a must for children.

  • “A Comparative Study of Stress Experienced by the Employee of Public and Private Sector Banks”

Mrs. Bhavna S. Pendke

Stress and its effects on human being have spread its wings in all the sectors in general and the banking sector in particular. There is intense competition amongst the public and private sector banks to give services to their customers to satisfy them. In this technology driven corporate landscape, the corporate organization keep their employees on their toes. While doing this employees always experienced a terrific pressure at the workplace which sometimes effect on their physical and mental health.

  • Affordable housing for all: Still an unconquered territory in liberalized Indian economy

Mr. Maanish Chava

Housing is one of the most important segments of the economy due to its backward and forward linkages and interrelationships with other sectors such as manufacturing and services. Housing activities not only generate employment opportunities but also add to capital formation. Over the last 25 years, there has been a veritable revolution in housing finance in India.

  • “Innovative Strategies in Reverse Logistics”

Dr. (Mrs.) Medha Kanetkar & Professor Mangesh P Dande

In today’s fiercely competitive business environment organisations trying to get competitive advantage must address those areas of value chain which were overlooked or not adequately addressed. One area which has catched their attention is Reverse Logistics. Organisations have started focusing on Reverse Logistics for economic, customer and environmental legislation reasons.

  • “Analysis of Steel Production in Vidarbha: Environmental impacts and solutions”

Miss. Nalini Atkare

Steels were the upstream of various products. The environmental performance of steel can affect those of the downstream products. In this work, environmental impacts of individual steels, i.e. slab, hot-rolled, cold-rolled, hot-dipped galvanized, and electro-galvanized steels, were studied, via life cycle assessment. The impact assessment methods of IPCC 2007 GWP 100a and Eco-indicator 99 (H) were used to cover the impact categories of Global warming potential, Fossil fuels, Ecotoxicity, Minerals, Carcinogens, and Respiratory inorganics.

  • “Critical Study of Pay structure of Telecommunication Service Industry – Private and Public Sector (with reference to Nagpur Division)”

Prof. Neha Gaikwad & Dr. Nitu Kumar

In today’s intensely competitive and global marketplace, competitive advantage lies not just in differentiating a product or service or in becoming the low cost leader but in also being able to tap the company’s special skills or core competencies. Thereby skilled and efficient employees of a company are now considered as one of the core competencies of the company.

  • A study on growth and future scope of Agri-tourism projects in Nagpur District

Prof. Prasanna Shembekar & Prof. Mahesh Joshi

Agritourism is a tour to a working farm providing a fresh and live experience of various farm activities and agricultural background. It includes food, fun and farming apart from bullock cart rides and exposure to the rural set up. Agri-tourism could become a good support for additional and regular revenue to the local farmers and could also contribute to the social development through rural employment. In fact it is more a need for Vidarbha farmers than western Maharashtra farmers.

  • Changed Scenario of Banking Sector in India

CMA, Jyoti Mahajan & Prof.Rajesh Mahajan

The banking sector in India underwent a sea change. The banks approach towards the customers has drastically changed. Since Independence the banks have undergone a huge change in India. This change was great during 1990s and 2000s, when a number of innovations changed the way banking was perceived. The growth in the Indian Banking Industry has been more quantitative rather than qualitative and it is expected to remain the same in the coming years.

  • Digital Marketing and Value Creation

Priyanka Mohkar

There has been a drastic shift in the world of advertisement. Earlier advertising a product was a very big deal. There were only a few traditional ways of advertising a product. Now is the age of digitization. Innovation is the key to value creation of a product. More than half of the budget of marketing is spent on advertisement to attract consumers and boost the market value of the product.

  • Web Experience: Factors influencing online consumer buying behavior

Dr. Sunanda Vincent & Meena Rajesh

Advertisers and marketers around the world are collaborating to perfect what they are calling a 'media and marketing ecosystem. Harnessing the interactive capabilities of social networks, broadband video channels, mobile services, video games, and virtual worlds, marketers are, focusing much of their attention on youth. In this era of E-age consumer behavior is rapidly changing as the digital marketing is evolving rapidly in every business segment.

  • “Performance Measurement Factors for Crude Steel Industries in Nagpur Region-India”

Miss. Priti S. Dharammali

The study aims to investigate the Performance Measurement Factors (PMFs) for Steel Crude Industry in Nagpur Region -India. The term „PMF‟ is defined as an effectiveness of the project or performance in industries and said as effectiveness factors. The literature was reviewed to find out items relevant for Steel Crude Industries. Data analysis technique was carried out by using one of the popular analysis methods for qualitative research works. The results on the PMFs for Steel Crude Industries can be grouped into 4 factors: 1) Process Performance, 2) Productivity Improvement, 3) Business Results, 4) Employee Development Each of these 4 factors includes several important attributes that can assist to enhance efficiency of Steel Crude Industries. It is an effort to lead functions of a Steel Crude Industry in all levels to the same directions for achieving the success Steel Crude Industry.

  • “A Study of Commodity market in India, its Issues and Challenges”

Rahul K. Kapale, Kartik B Uttarwar

Commodities are raw materials that are sold in bulk, such as oil, wheat, silver, gold, pork bellies, oranges and cocoa. They are generally raw materials that are eventually used to produce other goods such as oil for gasoline, cocoa for chocolate, wheat for bread; etc The history of organized commodity in India goes back to the nineteenth century when Cotton Trade Association started futures trading in 1875, about a decade after they started in Chicago. Over the time datives market developed in several commodities in India.

  • Materialistic Attitude in the Age of Globalization

Mrs. SunitaThaore & R. S. Mundle

In 20th century globalization has been implemented in the world. Globalization also is in various forms like materialism, universalism, secularism etc. Secularism, materialistic attitude, pluralism etc. are originated from globalization. Globalization means lack of borders among the countries. In globalization there is a scope to free economy with creation of global markets for export and import of production. Globalization promotes many multinational companies, identificationof need of customers and provide goods as per their needs.

  • An Analytical study of Profitability analysis of Public Sector Enterprises with special reference to SAIL

Shweta D. Gupta

This paper aims to access the position of SAIL from the year 2011 to 2015. To evaluate the profitability of the company, relevant ratios were used and statistical tools like mean, standard deviation, coefficient of variation, minimum, and maximum were applied, and to test the significant relationship between the relevant variable, the variables were tested with the help of correlation and regression analysis. In hypotheses testing, most of the hypothesis showed a statistically significant relationship between two variables. Hence it was concluded that the overall performance of Steel Authority of India Ltd. regarding profitability was declining during the study period, though the company‟s sales are growing, and its profitability was declining.

  • Entrepreneurship Education in India

Prof. Suhasinee Randhir

Education is an important factor in determining entrepreneuring orientation in individuals. In simple words, we define an entrepreneur as “an individual who establishes and manages a business for profit and growth.” It has been reported that entrepreneurs of healthy units on an average had a higher level of education compared to those who own sick units. Entrepreneurship education seeks to provide students with the knowledge, skills and motivation to encourage entrepreneurial success. In India, entrepreneurship education has gained relevance in today’s context. Entrepreneurship education can be helpful to develop skills and knowledge, which could benefit the entrepreneurs for starting, organizing and managing their own enterprises.

  • Revival of Tradition with Innovation for Contemporary Organic Lifestyle

Prof. A. N. Radha, Mr. Bijay Kanta Kumar & Mrs. Kavita Kavita Kesharwani

Pottery, a time immemorial art and culture has archaeological, ancient and philosophical significance, as it being the essential component of earth representing one of the basic five elements. Revival of Traditional Art in today’s contemporary world is not only addressing to the art and craft, but it is the need of the hour science and technology innovative inputs.


Dr. Sunita Dhote & Mr. Nikhil Singh

This paper presents the research study of the project conducted to study the feasibility of setting up a AAC Blocks Manufacturing Plant . The object of this feasibility study is to provide a frame work about the technical, economical & financial aspects in a broader sense and implementation of the project under the projected time-frame. In other words the study is aimed at analyzing Technical, Economical and Financial viability of setting up an AAC Blocks Manufacturing Plant .

  • Outsourcing of Human Resource Functions in India - Threats and Opportunities

Ms. Rajani Kumar

Outsourcing here is defined as the purchasing of HR Services from a third party supplier. The paper aims to provide a snapshot of the extent and nature of Human Resource Organizations based in India and to determine the overall level of involvement that HR Professional have during the HR outsourcing process. Outsourcing is gaining considerable popularity in the field of business services and management.

  • “Feasibility Study of Capital Budgeting on Aluminium Casting Plant (Start Up)”

Dr. Sunita Dhote, Mr. Preetham Maroo

Purpose of this paper is to find out the whether the project is feasible to invest or not. This paper will show the capital budgeting decision and practise with respect to the small business Start up of Aluminium Casting Plant. While large firms rely on the discounting cash flow analysis, many small firms evaluate projects using the payback period or by the owner’s gut feeling.

  • Sweet Deal: A Road Map for ‘Developed Vidarbha’

Prof. Shriram Joshi & Dr. K.L.Ukey

India is the largest consumer & second largest producer of sugar in the world. The Indian sugar industry is second large agro industry Located in the rural India. The Indian sugar has a turnover of Rs.500 billion per annum & it contributes almost Rs.22.5 billion to the central & state exchequer as tax, cess & excise duty every year. It is the second largest agro-processing industry in the country after cotton textiles. With 538 operating sugar mills in different part of the country, Indian sugar industry has been a focal point for a socio-economic development in the rural areas.

  • “A Study of Welfare work and Social Security of Coal Mine Labours at Kamptee-Kanhan and Saoner in Nagpur District

Prof. Sujata Randhir

Labour is an important factor in the process of production. It is necessary that labour should be satisfied. It is also necessary to provide facilities to them other than remuneration. Labours working in coal mine are always under high risk. Even after taking precautions there are chances of accident in coal mines. Which measures do manager take to prevent accidents? As well as which measures are taken to provide medical facilities to labours working in and outside the coal mines? Which type of social security’s provided to family of labours which are partly injured or completely disabled or died in the mine while working? Whether labours or their family members get benefit of different welfare program?

  • Start-up strategies may decide the fate of your business

Swati Rajesh Padole

This is a Research Study under which the review of information collected from various secondary data sources is done to analyze the importance of start-up strategies while entering in to new venture specially keeping in mind the first generation entrepreneurs. In this study innovative approaches while starting an entrepreneurship are studied. Emphasis is given to inform to readers that choosing and implementing the right strategy is vital for a venture's survival.

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