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1

Mr.K.Siva and Dr.G.Nagarajan

Abstract:
The evolution of retail in India and across the globe is increasingly driven by the integration of Artificial Intelligence (AI) and predictive analytics within Omni channel strategies. With consumers engaging simultaneously across physical stores, e-commerce platforms, and social media, businesses face the challenge of creating seamless, personalised, and consistent shopping journeys. AI-enabled tools such as recommendation engines, chatbots, and sentiment analysis, combined with predictive models, allow retailers to anticipate consumer preferences, optimise inventory, and deliver context-aware promotions. This integration not only enhances customer convenience but also strengthens purchase intention, particularly for new product categories where consumer trust and awareness are limited. Moreover, predictive insights help in addressing supply chain inefficiencies, improving last-mile delivery, and ensuring customer retention. The study explores how Indian retailers can leverage these technologies to foster deeper consumer engagement, improve operational efficiency, and remain competitive in the era of digital transformation.


1-8
2

  • “Theory to Practical” Consumer Preferences for Electric Vehicles, Creativity, Achievement, and Significance Essential Practices - A Conceptual Perspective

    • DOI:DOI:18.A003.aarf.J14I01.010216

Dr.G.NAGARAJAN M.ISHWARIYA

Abstract:
Implementing electric vehicles (EVs) on a large scale could potentially mitigate issues including pollution, climate change, and reliance on foreign oil. Even though many governments have implemented robust promotion programs, the current market penetration of electric vehicles (EVs) is very low. This study looks at competitive advantage, performance, innovation, and the "theory to practical" consumer preferences for electric vehicles. a conceptual perspective theory to Practical components of practices and an expense that should be extensively allocated from an organization's budget are fundamental practices in human resource management (HRM). Above all, though, they are a continuous process that raises the efficiency of an organization. This study aims to assess the literature concerning current knowledge and relevant theories for the modelling approaches used in the chosen studies. estimates of customer desires for innovation and corporate competitive advantages. This review will contribute to the body of current literature because it is based on data from previous reviews of the literature and research related to this subject. In addition, it offers suggestions for more research.


9-17
3

  • A Study on the Impact of Pradhan Mantri Mudra Yojana on the Economic Development of the Weaker Sections in India (with Special Reference to Uttar Pradesh)

    • DOI:DOI:18.A003.aarf.J14I01.010274

Sharad Kumar Chaturvedi Dr. Dharmaveer

Abstract:
The Pradhan Mantri Mudra Yojana (PMMY), launched in 2015, is a large-scale credit intervention designed to catalyse micro-entrepreneurship and self-employment by providing collateral-free loans up to ₹10 lakh (enhanced to ₹20 lakh for eligible categories in 2024) to non-corporate, non-farm micro and small enterprises. This paper assesses PMMY’s contribution to economic development among the weaker sections, including women, Scheduled Castes/Scheduled Tribes (SC/ST), Other Backwards Classes (OBC), minorities, and low-income informal entrepreneurs, using India-wide trends and a focused lens on Uttar Pradesh (UP). Drawing on government administrative datasets, parliamentary replies, annual reports of MUDRA Ltd., and independent assessments (e.g., NITI Aayog/KPMG), the study synthesises evidence on outreach, inclusivity, employment effects, credit graduation (Shishu→Kishor→Tarun), and portfolio quality. The paper further proposes an econometric strategy to identify programme impacts on district-level outcomes in UP (employment, own-account enterprises, women-led firms, and consumption smoothing). Findings from the reviewed evidence indicate (i) strong outreach to women and SC/ST/OBC borrowers, (ii) meaningful progression from nano to micro enterprise scales over time, (iii) non-trivial self-reported employment generation and income gains, and (iv) a declining non-performing assets (NPA) ratio as the portfolio matures. However, concerns persist regarding the adequacy of loan sizes, uneven last-mile support, and heterogeneity in impacts across different geographies and social groups. Policy recommendations focus on enhancing complementary services (market access, digital bookkeeping), risk-based pricing with protection, and state-specific convergence in UP.


18-30
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  • Indian Journals

  • Swedish Scientific
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  • The Universal
    Digital Library

  • Green Earth Research
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  • Rashtriya Research Institute
    Of New Medical Sciences

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