Browsing by Author "S, Dharchana"

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CHALLENGES AND OPPORTUNITIES OF RURAL ENTREPRENEURS
(ICMRR Publications, 2015-02) S, Dharchana; S, Radhika
Rural development is more than ever before linked to entrepreneurship. Entrepreneurship is a wise answer to solve the unemployment, migration and to promote economic and social development in rural areas. The strengthening of the rural villages will encourage the preservation of natural resources and improve the rural economy. There exist a wide gap between rural and urban areas in terms of infrastructure, market and financial access. To reduce the disparities, revitalizing the rural economy can be achieved by establishing entrepreneurial ventures in rural areas. Rising rural incomes will have a multiplier effect by raising the demand for farm and non-farm products and services instigating growth of employment opportunities. Government of India has been continuously assigning increasing importance and support for the promotion and growth of rural entrepreneurship. The obstacles for growth of rural entrepreneurship are literacy, risk aversion, lack of skilled labour, less technical knowhow, limited access to essential services, lack of communication facilities. This article provides an insight into the the present scenario of rural entrepreneurship, advantages, opportunities, challenges faced by the entrepreneur and institutions promoting rural entrepreneurship and their role in developing and fostering rural enterprises
COMPARATIVE FINANCIAL STATEMENT ANALYSIS OF DR. REDDY’S LABORATORIES AND CIPLA LTD
(IJRCM, 2016-01) S, Dharchana; P, Kanchanadevi
Finance is very essential for the smooth running of the business. Finance controls the policies, activities and decision of every business. The purpose of financial statement analysis is to examine past and current financial data so that a company's performance and financial position can be evaluated and future risks and potential can be estimated. Financial statement analysis can yield valuable information about trends and relationships, the quality of a company's earnings, and the strengths and weaknesses of its financial position. Through a careful analysis of its financial performance, the organization can identify opportunities to improve performance of the department or organization. In this context an attempt has been made to compare and analyze the financial performance of Cipla Ltd & Dr.Reddy’s laboratories Ltd to understand how management of finance plays a crucial role in the growth. The study aims to analyze and compare the financial statements of both Cipla Ltd & Dr.Reddy’s laboratories Ltd from the year 2010- 2011 to 2014-2015.The tool used for this study is ratio analysis, t-test and trend analysis. Analysis of liquidity measures indicates that current ratio has been good and shows a satisfactory position. It is noticed that Dr. Reddy’s Laboratories is better in liquidity position when compared that of Cipla Ltd. Analysis of debt management measures, that debt gearing ratio indicates Cipla Ltd is more risky than Dr. Reddy laboratories Ltd. The study concludes that Dr. Reddy Laboratories is the best performer when compared to Cipla Ltd.
GOVERNMENT SUPPORT FOR WOMEN ENTREPRENEURS
(Primax International Journal of Commerce and Management Research, 2016-09) S, Dharchana; P, Kanchanadevi
Women entrepreneurship has been recognized as an important source of economic growth. Women entrepreneurs create new jobs for themselves and others and also provide society with different solutions to management, organization and business problems. However, they still represent a minority of all entrepreneurs. Women entrepreneurs often face gender-based barriers to starting and growing their businesses, like discriminatory property, matrimonial and inheritance laws and/or cultural practices; lack of access to formal finance mechanisms; limited mobility and access to information and networks, etc. Women’s entrepreneurship can make a particularly strong contribution to the economic well-being of the family and communities, poverty reduction and women’s empowerment, thus contributing to the Millennium Development Goals (MDGs). Thus, governments across the world as well as various developmental organizations are actively undertaking promotion of women entrepreneurs through various schemes, incentives and promotional measures
PACKAGING INFLUENCING CONSUMER BUYING BEHAVIOUR OF FOOD PRODUCTS IN COIMBATORE CITY
(Speak foundation, 2018-12) S, Dharchana; P, Kanchanadevi
Marketing stimuli can significantly impact consumers and attract them to buy products in which packaging plays major role in buying decisions. Objective of packaging is basically to protects the product and companies use this as an instrument of marketing the product to enhance their sales. Companies are well aware buying process of consumers influenced basically through packaging, and particularly food products is an important element in consumer purchase behavior. Though, brand image, labelling, quality and price play significant role, the major attraction of consumers to immediately select a food product is its decoration and packaging. Therefore, it is important to find how far packaging influenced consumers buying behavior of food products in Coimbatore? In this context, the objective is to study the packaging influencing consumer’s buying behaviour of food products in Coimbatore City. The researcher used convenience sampling method. The researcher used primary and secondary data to collect the details from the respondents. The sample size of this study consists of 135 consumers. Tools used are Percentage Method, Weighted Average, Garrett Ranking Method and Chi-Square Test. Result shows satisfaction towards packaging influencing consumers buying behaviour of food products shows 1st rank towards “Attractive Packaging influences me to buy the food product” and last rank for “Label of the package is important during my buying process”. It is found that association between demographic variables and satisfaction towards packaging, out of five demographics viz. age, gender, education, occupation and monthly family income, statistical significance is achieved only between gender and satisfaction to reject H0(1b) , whereas, there no association between the demographics such as age, education, occupation, monthly income and satisfaction towards packaging to support H0(1a), H0(1c), H0(1d) and H0(1e) null hypothesis respectively. it is recommended that the producers can package the food products that will attract the consumers based on colour, dimensions of the packaging, quality of the packing material, safety of the packed food product are necessarily be considered by the top consumer based food manufacturing companies. It is concluded that majority of the consumers are highly satisfied and satisfied and are also influenced by packaging in buying food products in Coimbatore district
ROLE OF MICRO FINANCE INSTITUTIONS IN ENTREPRENEURSHIP DEVELOPMENT
(ICMRR Publications, 2015-02) S, Radhika; S, Dharchana
Microfinance is gradually emerging as one of the most effective strategies to promote entrepreneurship. It can effectively generate employment and sustain the income of the households by giving them opportunities of work. During the past 25 years, the microfinance movement has challenged the conventional financial sector. Today the microfinance is very much in the agenda of public policy and it has been increasingly used as a vehicle to reach entrepreneurial goals. Microfinance in India is represented by Self Help Group(SHGs) which are linked to banks mainly women as its members. Microfinance is the provision that provides access to various financial services such as credit, savings, micro insurance, remittances, leasing to low-income clients including consumers and the self employed, who traditionally lack access to banking and related services. This paper examines the growth and role of microfinance in developing the entrepreneurship.
A STUDY ON ANALYSES OF THE FINANCIAL PERFORMANCE OF CITY UNION BANK
(International Journal of Research and Analytical Reviews (IJRAR), 2019-06) S, Dharchana; S, Sai Shree
Financial performance plays an important role for the development of banks. It forms the basis as one of the importance for taking financial decisions effectively. In order to analyse the financial performance of banks, the accounting ratios are used. Ratio analysis is the comparison of line items in the financial statements of a business. Ratio analysis is used to evaluate a number of issues with an entity, such as its liquidity, efficiency of operations and profitability. Secondary data is used from the published annual reports of the company for time period 2015-2019. This research paper help to evaluate the financial characteristics of bank activity such as solvency and performance using ratio analysis..
A STUDY ON CONSUMER AWARENESS TOWARDS NUTRITIONAL LABELING ON BRANDED FOOD PRODUCTS WITH SPECIAL REFERENCE TO COIMBATORE CITY
(International Journal for Research in Engineering Application & Management (IJREAM), 2019-08) S, Dharchana; P, Kanchanadevi
Food product packaging and labeling have numerous important roles to play in the emerging market environment. Food labels perform important third-party roles in the food marketing system through their impact on product design, advertising, consumer confidence in food quality and consumer education on diet and health. The trends towards healthier eating have increased the consumer demand for detailed, accurate and accessible information on food safety and quality covering nutritional content, ingredients and health claims. Consumers also demand product information, such as production and expiry dates, storage and cooking instructions. Food label is one of several information channels available to the consumers, including mass media, books, advertising, education programs and medical advice. This paper focuses on the awareness of nutritional labeling on the branded packaged food products. The researcher used convenience sampling method. The researcher used primary and secondary data to collect the details from the respondents. The sample size of this study consists of 136 consumers. Tools used are Percentage Method, Friedman Rank analysis and Chi-Square Test. It is found that association between demographic variables and reading of nutritional label, out of six demographics viz. gender, education, occupation, monthly family income, food habit and reason for special diet statistical significance is achieved only between food habit and reading of nutritional label to reject the hypothesis , whereas, there no association between the demographics such as gender, education, occupation, monthly income andreason for special diet towards reading of nutritional label to support null hypothesis.
A STUDY ON CUSTOMERS PERCEPTION TOWARDS HOUSE LOAN
(2019-06) S, Dharchana; M, Lobha Mithirai; P, Niranjana
A person always keeps the first basic need as to own a house. Housing is also accepted as a key sector of the national economy which measures the standard of living and economic condition of the country. To attract customers bank provide home loans at cheaper rate. This study takes into account the choice of the customer, reasons, problems and knowledge about house loan.
A STUDY ON CUSTOMERS SATISFACTION TOWARDS HOUSE LOAN
(International Journal of Research and Analytical Reviews (IJRAR), 2019-06) S, Dharchana; R, Ravinaa; A, Harini
In the competitive scenario customer is the king. The normal progression of any concern in today’s marketing scenario is highly customer centred. Housing is one of the most important that we human beings need. The study will help the bank to identify the problems and dissatisfaction of customers in availing housing loan scheme provided by the bank and also to bring out the significance between socio-economic status and satisfaction level of the consumers. The availability of home loan depends on various factors. The level of satisfaction is determined not only by the quality and type of customers experience but also by the customers expectations. This study determines whether the customers are satisfied with the documentation procedures, processing charges, interest rates, time for sanction, response to queries provided by the bank. The study of this objective is to mainly quote the significance between the socio-economic status and the level of satisfaction of customers for the various factors influencing them.
A STUDY ON EQUITY ANALYSIS OF SELECTED FMCG COMPANIES LISTED ON NSE
(IJIRMF, 2017-01) S, Dharchana; P, Kanchanadevi
Fast moving consumer goods (FMCG) sector in India is the fourth largest in the economy. The middle class and the rural segments of the Indian population are the most promising market for FMCG and give brand makers the opportunity to convert them to branded products. India has low per capita consumption as well as low penetration level, but the potential for growth is huge. Many FMCG players have increased their investments in modern retail. FMCG is one of the sectors in the country which has successfully mitigated the rural-urban divide. The performance of leading players in FMCG sector was above par in the second half with almost all of them experiencing double digit growths. The outlook for Indian FMCG is positive because of growing sales, strong financials of leading players and ever increasing urbanization. These companies are the leaders in their respective sectors. The present study focus on relationship between selected FMCG companies share price and Nifty Index. The risk associated with those companies share price were measured with relevant tools. The study covers top five FMCG companies based on their equity analysis and its share price. The companies are glaxosmithkline.con, KRBL, Britannia, Kwality, and Nestle. Equity analysis is the most important measurement technique used to measure the movement of share market, which helps the investor to take decision either to buy or sell.
A STUDY ON GROWTH OF CITY UNION BANK
( International Journal of Research and Analytical Reviews (IJRAR), 2019-06) S, Dharchana; G C, Thanya
This paper deals with the risk management in city union bank. It focuses on the risk management practices in the city union bank which helps to manage the exposure to losses or risk and to protect the value of its assets. The object of calculating the trend percentage analysis is to show the direction of the change upward or downward. This study helps to analyse the aim for studying the growth of the bank for a period of 5 years. This paper shows the importance of the financial intermediaries in the economy, but also poses some risks in the bank.
A STUDY ON PAYTM'S GROWTH IN COIMBATORE AS A DIGITAL PAYMENT PLATFORM
(Speak foundation, 2018-12) D, Sujaritha; S, Dharchana
The development and the ascent of versatile innovational through the world among individuals has extended to a great extent in light of the prepaid model. Because of this all classes of society approach the budgetary administrations and have turned out to be exceptionally comfortable with the versatile cash framework. For the banks a newer possibility has been opened for the middle class and the poor people using the new innovation.
A STUDY ON PAYTM'S GROWTH IN COIMBATORE AS A DIGITAL PAYMENT PLATFORM
(IJMSS / Speak foundation, 2018-12) S, Dharchana; D, Sujaritha
The development and the ascent of versatile innovational through the world among individuals has extended to a great extent in light of the prepaid model. Because of this all classes of society approach the budgetary administrations and have turned out to be exceptionally comfortable with the versatile cash framework. For the banks a newer possibility has been opened for the middle class and the poor people using the new innovation.
A STUDY ON THE PERCEPTION ON RETAIL SHOPS TO FINANCIAL SOFTWARES
(IJMSS / Speak foundation, 2018-12) S, Dharchana; D, Sujaritha
During the early stages mega corporations of the day began to handle data that rivalled government requirements. The early development of accounting was closely related to development in writing and counting. This data could not be handled manually, let alone cost-effectively. Early mainframe computers were large, due to the ferrite core memory, and cumbersome. The processing intelligence was centralized in the mainframe. Corporation had similar capabilities but was smaller and less powerful. Currently, distinctions between mainframes and minis are very blurred, and for our purposes make very little practical difference. Hence the study has been undergone to know the consumer perception of retail shops in requirement of financial software.
A STUDY ON VARIOUS RISK EXPOSURE OF CITY UNION BANK
(International Journal of Research and Analytical Reviews (IJRAR), 2019-06) S, Dharchana; V, Valliammai; Veena Deepu
Today’s business environment is dynamic in nature. Banking is the business of risks and City Union Bank is exposed to a variety of risks such as credit risk, liquidity risk, foreign exchange risk, market risk and interest rate risk. It is very important to handle these risks in a proficient, pre-emptive, and cohesive manner to maintain sound financial health of City Union Bank.Liquidity and Interest rate risk are the major risks faced by the bank. To analysis and measure the risks Maturity Gap Model is used to measure the interest rate risk for risk-sensitive assets and liabilities and liquidity rate risk to meet the inadequacy of cash to meet its funding requirements. The purpose of this study is to make an assessment as to how City Union Bank is successful to achieve their objectives of minimizing the risks using Ratio Analysis and Maturity Gap Model.
WORKPLACE SAFETY MANAGEMENT SYSTEM
(Roots International Journal of Multidisciplinary Researches/Rani Anna Government College for Women, 2016-02) S, Dharchana; P, Kanchanadevi
A safety and health management system, or safety program, can help to focus the efforts at improving the work environment. An effective plan describes what the people in the organization do to prevent injuries and illnesses at the workplace. Working conditions and the nature of employment tend to have major repercussions on the health of a workman. The concept of ‘Occupational health’ has evolved from work-related ailments. Occupational health broadly means any injury, impairment or disease affecting a worker or employee during his course of employment. Further, it not only deals with work-related disorders but also encompasses all factors that affect community health within it. The inadequate surveillance of employees is the most important reason for increased prevalence of work related and other non-communicable life style diseases at work place. Since seventy-five percent of the global workforce lives in the third world countries, more than 125 million workers are victims of occupational accidents and diseases every year. With the changing job patterns, working relationships, the rise in self-employment, outsourcing of work, etc. there has been a problem in the management of occupational safety and health risks. Nevertheless particular attention needs to be paid to the health and safety of workers in ‘hazardous occupations’ and especially the migrant workers and other vulnerable persons. Prevention is an integral part of economic activities as high safety and health standard at work is as important as good business performance for new as well as existing industries