Template-Type: ReDIF-Article 1.0 Author-Name: H Manjula Bai Author-Workplace-Name: Sahyadri College of Commerce and Management Title: A Study on Customer Awareness towards Pradhan Mantri Bharatiya Jnanaushadi Kendra's with Reference to Shimoga Abstract: This paper is designed to check Customer Awareness towards Pradhan Mantri Bharatiya Jnanaushadi Kendra's. This study is finished to understand the knowledge, perception and attitude of individuals and patients towards generic medicines provided by the govt. At low cost through Jan Aushadhi Medical Stores, which supports and helps the people below the personal income. This helps to spot the problems faced by people and also helps to make your mind up and to relinquish solutions regarding the matter that, not every-one is aware of the schemes implemented by the govt. For the welfare of the people below the personal income. The successful solution is taking measures like campaigns, educating the people to form them more alert to the Jan Aushadhi Medical Store. The study target the degree of knowledge of individuals about Jan Aushadhi Medical Store, the people's awareness of Jan Aushadhi Medical schemes, to understand the willingness of individuals to shop for generic medicines, to review the understanding and people's perception on generic medicines, to study the satisfaction level of consumers towards quality, price, availability, accessibility, acceptability, affordability of those medicines and to understand about how the govt. Initiative measures reach among the people. For the study's aim, the researcher has selected 50 respondents who are aware of the PMBJPK. Descriptive research methodology is employed to conduct the study. It includes survey and fact-finding inquiries of various kinds. It focused on the issues of the advantages availed from PMBJPK. All levels of shoppers were surveyed by using a questionnaire and also, the level of satisfaction or dissatisfaction from PMBJPK was studied. Finally, the detailed information about the advantages they had received was also considered... Finally, it attempts to supply suggestions to the purchasers to teach way more about PMBJPK. Keywords: Pradhan Mantri Bhartiya Jan Aushadhi Pariyojana Kendra (PMBJPK), Central Drug Standards Control Organisation (CDSCO), Jan Aushadhi Store (JAS), Generic Medicine, BPPI (Bureau of Pharma Public Sector Undertakings of India) Journal: ComFin Research Pages: 1-10 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3257 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3257 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3257/2951 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:1-10 Template-Type: ReDIF-Article 1.0 Author-Name: A Margaret Divya Author-Workplace-Name: Lady Doak College Author-Name: Suganthi Priya Author-Workplace-Name: Lady Doak College Title: A Study on the Impact of Covid-19 on Students Learning Experiences with Special Reference to Madurai City Abstract: Corona viruses are a large family of viruses, causing less severe common cold to more severe diseases such as severe acute respiratory syndrome (SARS) and the Middle East respiratory syndrome (MERS). The SARS-CoV-21 is a corona virus very similar to the one that caused SARS. There is evidence that the SARS-CoV-2 has also been transmitted from bats. Like other corona viruses, SARS-CoV-2 virus particles are spherical and have mushroom-shaped proteins called spikes protruding from their surface, giving the particles a crown-like appearance. The spike binds and fuses to human cells, allowing the virus to gain entry. Researchers at the University of Texas at Austin and the National Institutes of Health, U.S., have produced a 3D atomic-scale map of the protein of the SARS-CoV-2 that binds to and infects human cells. Mapping the 3D structure of the protein - spike (S) glycoprotein - will allow a better understanding of how the virus binds to the human cells. Knowing the structure of the spike protein will, in turn, allow scientists to develop vaccines and antivirals against the virus and even better diagnostics. The World Health Organisation has declared COVID-19 to be a pandemic4. The symptoms of COVID-19 appear within two to 14 days after exposure and include fever, cough, a runny nose and difficulty in breathing. This paper provides a comprehensive review of the COVID-19 and how this great pandemic has bothered the ordinary life of every citizen, with more focus on the economic imbalance created in India. This study has also attempted to know the students learning experiences and their attitude due to this lockdown period amidst the demanding end of the semester requirements in the year 2020. It also attempts to know their expectations, anxieties, plans and problems encountered by them about COVID-19 by being at home, having in mind their career development. Keywords: Asymptomatic, COVID-19, Case fatality rate (CFR), Community transmission / spread, Cordon sanitaire, Contact tracing Journal: ComFin Research Pages: 11-16 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3471 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3471 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3471/2912 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:11-16 Template-Type: ReDIF-Article 1.0 Author-Name: R Andy Author-Workplace-Name: Pasumpon Muthuramalinga Thevar College Author-Name: A Sujatha Author-Workplace-Name: Cardomon Plant Associations College Title: A Study on Customers Attitude towards the Problems of Internet Banking Services in Madurai City Abstract: The banking industry has been developing by using Internet banking as a well-organized and practicable tool to create customer value. In the banking sector, different electronic delivery channels are increasingly used for delivering banking products and services that convenient for the customers at a low cost. Internet Banking (IB) is one among them in the banking sector. It is one of the smart services offered by traditional banks to offer speed and reliable services to online users. With the fast development of computer-based technology, the Internet Banking can draw more customers to perform banking dealings in related banks. However, the main issue of Internet banking faced by bankers is that a large number of banking customers are not ready to use the Internet banking services offered by banks. This happens due to the services offered through Internet banking is yet to encourage its customers. Customer satisfaction is an important factor that helps the banks to maintain competitive advantages. Therefore, this study is to observe the factors that influence the customers' satisfaction towards Internet banking. The study concentrates on the following factors that can influence customers' satisfaction toward Internet banking, which include services, web design, security, and convenience. The sample size taken for the study was 100 respondents who provided valuable feedback to pertain to the above factors that influence customers' decision to use Internet Banking. Keywords: Internet banking, Banking industry, Customer Satisfaction, Security services, Banking services, Online banking Journal: ComFin Research Pages: 17-21 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3503 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3503 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3503/2932 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:17-21 Template-Type: ReDIF-Article 1.0 Author-Name: V Pradeepa Author-Workplace-Name: APA College of Arts & Culture Title: Covid-19 Pandemic and its Effect on Indian Industry Abstract: The outbreak of the COVID-19 pandemic is a completely unexpected shock to the economy. The Government of India has announced measures like food security and healthcare measures, incentives to a few sectors, tax deadline extensions, housing loan moratorium scheme, time extension for electricity bill payment, cancellation, postponement of examinations, etc. to tackle this pandemic situation. With the extension of the country wide lockdown, the global economic downturn and related disruption of demand and supply chains, the economy is likely to face a protracted slowdown. This study focused on the impact of the pandemic on various sectors like manufacturing industries, banking, real estate, textile, agriculture, education, healthcare, electronics, and services. The effect of COVID-19 is going to last for quite some time, even though primary activities and industries have resumed their routine work. Keywords: COVID-19, Pandemic, Whole economy, Economic downturn, Impact and Moratorium Journal: ComFin Research Pages: 22-25 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3512 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3512 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3512/2937 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:22-25 Template-Type: ReDIF-Article 1.0 Author-Name: Sukharanjan Debnath Author-Workplace-Name: Tripura University Title: Savings Behavior of Government Salaried People in Unakoti District of Tripura Abstract: As per rules, the Savings practice of Government salaried people is mandatory up to a stipulated amount of monthly salary. According to GPF, EPF and NPS Rules, a predetermined amount is deducted by the employer at source for the future wellbeing of the concerned employee and invest to GPF, EPF, NPS, etc. In addition to these mandatory savings, employees can save their money to other savings instruments according to their capability and other conditions. As most of the government employees in Unakoti district of Tripura are working with small designations and salaries, they are not able to save more in addition to mandatory savings. Fixed Pay Employee (FPE), Contract Base Worker (CBW), Per Time Worker (PTW), Monthly Pay Worker (MPW), Daily Rate Worker (DRW) are the working conditions where employees get less amount of salary in comparison to regular employees. Under these conditions, their savings rate is also low in comparison to other employees. Other Sources of income, spouse job, dependency ratio, age, literacy level, educational qualification and availability of savings instruments nearby employees are an important aspect for better understanding of savings improvement in the District. The present study entitled 'Savings behavior of Government Salaried People in Unakoti District of Tripura' is an empirical study based on primary data and secondary data. The study reveals that the savings rate of salaried people in Unakoti District of Tripura is growing slowly. Financial literacy, reduction of dependency ratio by employment generation programs, Massive awareness program and availability of savings instruments in the rural areas may make a vigorous savings environment in Unakoti District of Tripura. Keywords: Savings, Investment, Return, Salaried people, Unakoti district Journal: ComFin Research Pages: 26-37 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3544 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3544 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3544/3516 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:26-37 Template-Type: ReDIF-Article 1.0 Author-Name: K B Ravindra Author-Workplace-Name: Government First Grade College & PG Centre, Doddaballapur Title: A Study on Labour Welfare Practices in Karnataka Soaps and Detergents Ltd, Bengaluru Abstract: The importance of Labour Welfare in Industrialisation and Economic Development has been recognized globally. It is an important dimension in Industrial Relations, which includes overall welfare facilities designed to take care of well being of Employees and Workers. During the 1990s, the measures of economic reforms introduced in the country have given rise to a wave of rapid and radical changes in the structure and working of our economy. Globalization, Liberalisation, Privatisation, etc. have completely changed the functioning of the Indian Economy and forced the employees, workers, and their organizations to adapt and adjust by reorienting their ways to survive and thrive amidst the forces of change and competition. The aspect of Labour Welfare and Social Security has tremendous significance in the Public Sector, Private Sector and Multinational Organisations. It is firmly believed that money and environment given to employees is a long term investment and will never go waste. Against this backdrop, a detailed study has been conducted at Karnataka Soaps and Detergents Ltd, Bengaluru, a Public Sector Organisation. Primary data collected through a Structured Questionnaire from 100 respondents covering all levels and departments has revealed that most of the Labour Welfare and Social Security provisions are being satisfactorily provided by the company to its employees and workers. It is suggested that the company carefully look into those areas where employees/workers have expressed dissatisfaction. The article concludes by stating that if an organisation provides good welfare and social security benefits, then it will be able to procure and develop a unique pool of people who can continuously take the organization to new levels of growth and sustainability. Keywords: Employee, Industrial relations, Industrialisation, Labour welfare, Organisation, Social security Journal: ComFin Research Pages: 38-46 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3558 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3558 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3558/3517 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:38-46 Template-Type: ReDIF-Article 1.0 Author-Name: Aditya Prasad Sahoo Author-Workplace-Name: KIIT University, Bhubaneswar Title: Impact of GDP and FII on Stock Market: A Study in BSE and NSE in India Abstract: The researchers studied the effect of GDP and FII on the working of the Indian Stock Market. The monthly details of GDP, FII, BSE and NSE are used to accomplish the study's aims. To find out the findings, the Augmented Dickey Fuller (ADF) Test, Multiple Regression and Granger Causality Experiments have been used. Foreign portfolio investors were stationary at the level of GDP and GDP at the first gap. From the study, it is found that both the independent variables were significant on the dependent variable NSE and BSE. To check the causality relationship between GDP, FII and NSE, the BSE Granger causality model has been used. To find out the results, average closing prices of BSE and NSE for 15 years, i.e. from 2000-2015, have been collected. It has been observed that both GDP and FII possess a significant impact on the indices of BSE NSE. As per the findings, the Stock Market in India was efficient, considering these two variables and found a significant relationship during the study period. Keywords: GDP, FII, NSE, BSE, ADF test, Garner causality, Regression Journal: ComFin Research Pages: 47-51 Volume: 9 Issue: 1 Year: 2021 Month: January DOI: 10.34293/commerce.v9i1.3529 File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3529 File-Format: text/html File-URL: https://www.shanlaxjournals.in/journals/index.php/commerce/article/view/3529/2943 File-Format: Application/pdf Handle: RePEc:acg:comfin:v:9:y:2021:i:1:p:47-51