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** Authors are invited to submit manuscripts for December 2019 issue.

** November 2019 issue of AARF Journals is officially released.

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1
  • AN ANALYSIS OF CHALLENGES OF HEALTH INSURANCE IN RELATION TO CONSUMER SATISFACTION IN SEMI RURAL INDIA


Dr. Rashmi Sharma

Abstract:
'Future is unpredictable and rather, uncertain'. That’s where insurance comes in. Insurance business falls under the ambit of services. It is the method of transferring, distributing and sharing risk. The losses to assets or human asset resulting from natural calamities or unexpected events like, fire, flood, earthquake, accidents, natural death, illness, etc. which are beyond human control are met to pay the losses suffered by unfortunate few out of the common pool contributed by a large number of persons who are exposed to similar risks.


1-20
2
  • IMPACT OF BANKING SECTOR IN INDIA


Prof. Farook Ahmed Shaikh

Abstract:
The Indian banking sector has seen unprecedented growth along with remarkable improvement in its quality of assets and efficiency since economic liberalisation began in the early 1990s. From providing plain vanilla banking services, banks have gradually transformed themselves into universal banks. ATMs, Internet banking, mobile banking and social banking have made "anytime anywhere banking" the norm now. In 2011-12, non-cash payments comprised 91 per cent of total transactions in terms of value and 48 per cent in terms of volume. Within noncash payments, too, the share of payments through cheques has come down from 85 per cent to nine per cent in value, and 83 per cent to 52 per cent in volume between 2005-06 and 2011-12.


21-33
3
  • MERGER AND ACQUISITION IN BANKING INDUSTRY


Prathima .K

Abstract:
This paper analyzes some critical issues of consolidation in Indian banking with particular emphasis on the views of two important stake-holders viz. shareholders and managers. First we review the trends in consolidation in global and Indian banking. Then to ascertain the shareholders‟ views, we conduct an event study analysis of bank stock returns which reveals that in the case of forced mergers, neither the bidder nor the target banks‟ shareholders have benefited. But in the case of voluntary mergers, the bidder banks‟ shareholders have gained more than those of the target banks. In spite of absence of any gains to shareholders of bidder banks, a survey of bank managers strongly favors mergers and identifies the critical issues in a successful merger as the valuation of loan portfolio, integration of IT platforms, and issues of human resource management. Finally we support the view of the need for large banks by arguing that imminent challenges to banks such as those posed by full convertibility


34-39
4
  • EFFECTIVE MARKETING STRATEGY ON CONSUMER PERCEPTIONS TOWARDS PASSENGER CARS: AN ANALYSIS WITH REFERENCE TO GAUTAM BUDDH NAGAR


Pankaj Kumar1, Dr. Savita Mohan2

Abstract:
The main purpose of this research is to develop a model with major variables, which influence the consumer purchase behaviour of passenger car owners in GautamBuddh Nagar. Though there are innumerable studies conducted in other countries, there are very few thesis and research work conducted to study the consumer behaviour of the passenger car industry in India and specifically in GautamBuddh Nagar. The qualitative analysis of the various trends reveals, that the industry offers immense scope even for allied industries and those looking at investing in the auto industry. Globalization and liberalization, with the entry of many prominent foreign manufacturers, changed the automobile scenario in India, since early 1990’s. These manufacturers started capturing the hearts of Indian car customers with their choice of technological and innovative product features, with quality and reliability. The results of the research contribute to the practical knowledge base of the automobile industry, specifically to the passenger car segment. It has also a great contributory value addition to the manufacturers and dealers for customizing their marketing strategy in the State.


40-46
5
  • INDUSTRIAL RELATIONS POLICIES IN MULTINATIONAL COMPANIES


Dr. Abha Kumari

Abstract:
While there is a large body academic debate surrounding Human Resource Management issues in Multinational Companies. Industrial relation issues often fail to receive the same degree of attention.


47-55
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  • Indian Journals

  • Swedish Scientific
    Publications

  • The Universal
    Digital Library

  • Green Earth Research
    And Publishing House

  • Rashtriya Research Institute
    Of New Medical Sciences

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