Entrepreneurs and entrepreneurship play very important role in the economic development of any nation. The success and development of the entrepreneurship depend on the coordination and assistance of the state and central Governments. In the view of this, the Government of India initiated the State Financial Corporation (SFCs) in 1951 to promote small and medium enterprises of the States. These institutions facilitate covenant and effective channels of savings and investments, in a developing country like India. The role of these institutions becomes more pronounced in achieving rapid economic growth. The present study is based on secondary data collected from the Karnataka State Financial Corporation (KSFC) annual reports to examine the loan sanction and disbursement by KSFC under different year and schemes in the Karnataka State (India).

Today marketers have realized the potential of one of the most prominent digital communication tool of modern times - the ‘Mobile Phone’ which is also known as ‘third screen of communication’ after television and internet that enables them to communicate with their target customers in customized, relevant, specialized, measurable and interactive manner. Indian mobile marketing landscape is witnessing a significant augmentation with each passing year. Mobile phone is writing new rules in Indian digital arena with more than a 1.18 billion in February, 2018(TRAI). India has emerged as a leading contributor along with China towards smartphone usage. The present study dealt with understanding the consumers’ attitude towards mobile marketing along with understanding consumers’ response towards mobile ads. Data was collected from Delhi area from 205 respondents. Non-probability sampling was used to collect the data. Structured questionnaire based on 5 point Likert scale was used to collect the data. Data was analyzed with the help of non-parametric tests like one sample bi-nomial test and one sample wilcoxon signed rank test. It was concluded from the study that consumers had positive attitude towards mobile marketing.

There are multiple investment avenues in which an investor can invest into. Out of them, the one which amalgamates both risk and return is Mutual Fund. An investment vehicle where the fund manager invests on behalf of investor and the return generated out of it is passed backed to the investor is Mutual Fund. It is one of the most prominent investment avenue preferred by most of the investors. In India, Mutual fund was first introduced by Unit Trust of India in 1963. This paper attempts to analyze the investor preference of mutual fund among young and middle adults and also to study discriminating factor which distinguishes young and middle adult while making investment decision. For empirical investigation the data was collected from 100 respondents through self-administrated questionnaire. In order to cluster the respondents on basis of post investment satisfaction level discriminant function analysis was employed and other test like factorial analysis were performed to check out which factor influence the investor most while making investment decision in Mutual fund. The result of DFA (Discriminant Function Analysis) concludes that hedge against inflation is the most important post investment satisfaction objective which discriminate young and middle adults. The factorial analysis indicates that financial position and fund capability is the two most important factors which an investor considers while making investment decision in Mutual Fund.

Family businesses contribute 60-70 percent of the Gross Domestic Product (GDP) of most developed and developing countries. India is no exception, with the presence of such entities in almost every corner of the country. In India, family businesses range from the small mom-and-pop store to large conglomerates with equally varied business interests. Research in the area of family based enterprises started much later in India in the 1980s, with the prime focus on addressing questions that try to understand the success strategies of such family based entities or the conflict issues that abound such enterprises. Since then, the study of family business management has developed as a distinct and important category of commerce education, with even business schools introducing specialized courses in this area. Most of the studies in the area however are fragmented in nature and focus primarily on conflict resolution and the management-ownership divorce. There has been very little work on the need for innovation in family based entities and the factors affecting it. Furthermore, no comprehensive study has been reported to be carried out with respect to family based businesses in Meghalaya. The study tries to fulfil this gap, initially through a generic overview of the innovative practices that are currently being practised by family based businesses firms and later on by exploring what factors affect the business unit’s willingness to innovate more. The findings reveal introduction of moderate levels of innovative practices in the study area. Additional findings also reveal that firm’s resource base, rising cost of technology and perceived vulnerability are the three principal factors that affect the family owned businesses’ readiness to innovate.

Communication with the stakeholders during a crisis situation is important for companies since it reflects the company’s response strategy. The stakeholders need to be informed about the reason of the crisis situation, and what can be done to remain safe during the crisis situation. This research paper studies the product recall messages issued by companies of the Indian Automobile industry and the type of information imparted by the companies through these messages. Content analysis of the messages issued by the automobile company has been done to identify the use of instructing and adjusting information. It is found that the e-paper/ e-magazine is the most used media vehicle in crisis situation. Companies are not following the guidelines provided by Society for Indian Automobile Manufacture (SIAM) which is not a regulatory body. The results indicate the need of robust regulatory guidelines for communication in crisis situations.

Financial Literacy is all about how well the people understand basic concepts related to finance. Basic understanding of financial concepts is defined as financial literacy of the person. To achieve objective of financial inclusion, people must be financially literate first. So to observe the financial literacy of the respondents of Gujarat, particular study is undertaken. Study is descriptive in nature and 600 samples from four major cities of Gujarat has been selected for the same. Scope of the study is confined to salaried employees of Govt., Public and Private sectors. To assess the financial literacy respondents were asked eight questions which pertains to basic and advanced financial literacy. Study reveals that respondents of Gujarat possess fair financial literacy.

Sawai Man Singh Hospital, Jaipur (Rajasthan) is one the largest hospital of country, is staffed with 700 doctors and 1770 nurses with 2282 beds in 72 wards. It has many specialty and super-specialty departments with many ICU, semi-ICU and OTs. It is most populated hospital of the country with 575 average patients in IPD per day, 7780 average patients in OPD per day and 854 average patients in accident/ emergency per day. During the round of hospital by author, it was found that there was no certain policy of rotation of nursing staff in different places of the hospital. The nursing staff posted in 1980 in a ward is working without any interruption in same ward till date. It was felt that there is need of implementation of rotational duties of nursing staff in different places in SMS Hospital; Jaipur (Rajasthan).The aim of the study was to assess the need and describe the probable benefits of implementation of rotational duties of nursing staff at different places in SMS Hospital, Jaipur (Rajasthan). It was a descriptive survey research. The population of the study were Administrative Officer/ Nursing Superintendent, Head of department/ Unit Head/ Other faculty/ resident Doctors, Nursing In charge/ Nurse Grade I/ Nursing Grade II working in S.M.S. Hospital, Jaipur (Rajasthan). Sample size was 1039, sampling technique was purposive sampling. The research tool was the structured opinionnaire. The analysis of the study proves that there is need of implementation of rotational duties of nursing staff in hospitals. It also proved that there are many probable benefits of implementation of rotational duties of nursing staff at different places in the hospitals. The research report was submitted to the Medical Superintendent of the Hospital. Based on the research study, some recommendations were also made for implementation. The Medical Superintendent of the Hospital appreciated the research work and realized the need of a certain rotational policies.

This paper explores the levels of crop diversification and growth of major agricultural crops in the north Indian state of Himachal Pradesh. The district wise analysis considers major crops viz. maize, paddy, wheat, barley, pulses, apple, ‘other fruits’, potato and ‘other vegetable’ and oilseeds for the calculation of Herfindahl-Hirschman’s Index (HHI) using past 44 years of data. The results show that Shimla district can be categorized in moderately diversified district of the state and it is followed by Kullu and Sirmour districts. Similarly, least diversified districtis Hamirpur followed by Una and Bilaspur districts. Vegetables, spices, apple, and ‘other fruits’ turned out to be emerging crops in the state. The emphasis in the state is on diversification with high value crops and as a result acreage under cereals like wheat, barley and ‘other cereals’ is not seen to be growing at the same rate as the high value crops. The study suggests the need to look at the increasing crop diversification in a way that would equally benefit the marginal and small farmers as well. Here, marketing of the produce, particularly the highly perishable fruits and vegetables needs to be considered in a more practical way.

Vietnam experienced a rapid credit growth in the period of privatization of banks and the opening to the entry of foreign banks. This paper identifies and estimates the determinants of lending growth in Vietnam, considering both demand and supply side factors but putting more emphasis on bank diversification strategies. It is found that banks’ geographical and income diversification strategies are beneficial in terms of their ability to maintain growth rate in credit supply. As for demand factors, economic growth has a positive impact on loan growth, while inflation poses a negative influence on loan growth. Surprisingly the impact of 2008-2009 global financial crises does not show any significant impact on the lending growth. As expected, an increase in banks’ deposit leads to higher credit growth. The study further confirms that strong banks’ balance sheets, in terms of low non-performing loans and low solvency ratio has a positive effect on credit supply.

Prediction of financial distress plays very vibrant role for survival and long-term growth of firms in the competitive global environment. Recovery from financial distress can protect the firm bankruptcy. In recent year Pakistan has also witnessed numerous cases of bankruptcy caused by financial distress. This can also be evidenced from numerous cases of acquisitions, mergers, financial restructuring and delisting for firms from Pakistan Stock Exchange. This study is an effort to examines the role of “corporate governance” in the detection of financial distress. Board composition, ownership structure, and audit quality are the key measures of corporate governance. In this study board size, CEO’s duality, board independence, insider’s directorship, no. of board meetings, audit quality, managerial ownership, financial institutions ownership, ownership by investment companies are used as proxies of corporate governance. Secondary data were collected from the balance sheet analysis (BSA) published by the statistical department of State Bank of Pakistan from2009 to 2016 for the said purpose. The financial distress is measured using well-known measure i.e. Emerging Markets Score (EMS) which is the updated version of Altman’s Z Score for the measurement of financial distress. A sample of 164 firms is collected for 8 years (2009-2016) with a total of 1312 firm observations. The results concluded as board size, insider director’s ownership, audit quality, managerial ownership, financial institutions ownership, investment companies’ ownership and profitability of firms play significant negative impact on likelihood of financial distress, while CEO’s duality, board independence, frequency of board meetings, financial constraints, and financial leverage proved positive and significant impact on the probability of financial distress. It is also found that by controlling the financial constraints of firms the impact of corporate governance variables is enhanced, this finding opens new insights into the nexus of corporate governance, financial constraints, and financial distress.

Empowerment of Gender empowerment is show men’s and women’s ability to participate in economic and political life. It refers different gender command over economic resources. Women have played an important role in determining the humanity development. Women constitute approximately half of the world’s population so as half potential. Present scenario needs women-led development or incomplete without the empowerment of women. Paper discusses and examine the conceptual and methodological issue related to Gender empowerment, the relationship between women’s economic, educational and empowerment status in four states (DKRU). The policy of Government towards Gender empowerment are exposed here.

Academics have always been perceived as a work area where there is less stress when it is compared to other work domains, but this paradox can no longer be supported; importantly due to increased competition, growing awareness of skill-based education, rising unemployment etc. The education industry contemporarily is competitive and not an easy job. It requires regular and continuous updates, rigorous hard work, incessant development and a never-ending commitment. Therefore, balancing one’s personal life along with professional life in academics becomes a challenge. Maintaining a good QWL (Quality of Work Life) i.e. providing satisfactory work environment along with psychological contentment is what a challenge becomes when an employee’s job is demanding. Factors like job satisfaction, commitment, job involvement, dedication and hard work reflect that employees are enjoying a good QWL. Many researches have been conducted to study and analyze the QWL in various academic institutes i.e. schools, colleges and universities. It has been observed that major areas of concern in maintaining a good QWL are financial factors, promotion and appraisals, developmental issues, balanced personal life, work environment, creativity, decision making autonomy, job security, recognition and appreciation etc. These areas affect the overall QWL of the employees and it becomes very important to maintain all these factors for a good QWL. Since, a strong education industry will definitely form a base for strong and developed nation and a strong education system can be formed only when it has fully dedicated workforce which is possible only when their QWL is maintained and given due consideration. This paper is based on the reviews of various research papers in the area of academics over the years and an effort has been made to analyze and highlight the areas of apprehension in academics, especially the issues which may be of high concern and are needed to be handled to balance the personal and professional lives of the employees in the academics so that they have a good QWL. Further the originated factors are categorized based on the two classical theories of motivation i.e. Herzberg’s Two Factor Theory and Maslow’s Need Hierarchy Theory. This classification would serve as a guide for formulating policies which keeps the employees motivated and satisfied, which makes them perceive that their Quality of Work Life is good.