Browsing by Author "S, Poornima"

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AN ANALYTICAL STUDY ON NON-PERFORMING ASSETS IN INDIAN COMMERCIAL BANKS USING CRAMEL MODEL
(Peripex-Indian journal of Research, 2016-08) S, Poornima; M, Theivanayaki
In the light of increasing NPAs, banks tend to lower the interest rates on deposits on one hand and likely to higher interest rates on loans to sustain NIM. This may become hurdle in smooth financial flow and hampers banks’ business as well as economic growth. Performance of a bank receives a big blow, image get shattered because of NPA ratio above standard which leads to adverse comments by investors, auditors and inspectors. It de-motivates the staff and creates investor apathy and shakes the customer’s loyalty. As a result, productivity and other strategic banking variables also receive serious setback. This study uses the CRAMEL model to evaluate the performance of Indian Public and private sector banks in context of NPA. Sample include 26 Public and 21 Private sector banks and covers a period of five years from 2010 – 2011 to 2014-2015. Results reveals that the private sector banks have a good position compared to the public sector banks.
BARRIERS TO INNOVATION ADOPTION; A STUDY ON SMES OPERATING IN THE KNITWEAR CLUSTER OF TIRUPUR DISTRICT’
(International Journal of Management and Humanities (IJMH), 2013) Nair, Savitha; S, Poornima
Innovation is at the heart of competitive advantage of organizations. Firms, irrespective of their sizes, need to engage in continuous innovations to survive and succeed in the market place. This research measured the impact of pre- innovation adoption variables on the innovation adoption of the firms. The study was conducted at the knitwear manufacturing cluster of Tirupur district that operate in a highly competitive hosiery market. The final results indicated that the facilitators have positive influence on innovation adoption, while barriers negatively influence innovation adoption. The research establishes the need for a strong innovation climate within organizations, facilitated by leadership, which will drive innovations significantly
FINANCIAL DISTRESS PREDICTION: EMPIRICAL EVIDENCE FROM INDIAN AUTOMOBILE COMPANIES
(Society for Advanced Management Studies, 2012-04) S, Poornima; M, Theivanayaki
Financial distress is of crucial importance in financial management especially in the case of competitive environment. Failure is not an impulsive outcome and it grows constantly in stages. A spontaneous protective effort could be accommodated if the company is anticipated to be proceeding in the direction of potential bankruptcy and this can help alleviate the financial distress to all investor and decrease the costs of bankruptcy. This study extends a failure prediction model for Indian Automobile companies. This study hopes to accommodate some important results relevant to authorities and stake holders. The capability to detect potential financial problems at a premature stage is absolutely essential because it helps to ensure business, financial, economic and political environment stability. The results show good performance with a highly correct categorization factuality rate of more than 90%. Eight ratios were determined significant out of 38 financial ratios utilized in this analysis to discriminate among failed and non- failed companies. The significant variables are Operating margin (%), Gross profit margin (%), Return on long term funds (%), Total debt/equity, Cash earnings retention ratio, Exports as percent of total sales, Import companies in raw material consumed, Bonus component in equity capital (%)
IMPACT OF INNOVATION ADOPTION ON BUSINESS PERFORMANCE A STUDY WITH REFERENCE TO THE KNITWEAR CLUSTER OF TIRUPUR DISTRICT
(2012) Savitha Nair; S, Poornima
THE IMPACT OF M-COMMERCE IN BUSINESS OPERATIONS
(Mahendra Engineering College, Namakkal, 2014-12-29) S, Poornima; R, Bhuvaneswari
Twenty first century is a digitization, networking and information-based era. Mobile and wireless communication technologies have enabled the provision of innovative services for individuals, organizations and society, while at the same time they have spawned a superabundance of research opportunities. Mobile e-commerce is a trend, getting rapid development and a wide range of applications because of its flexible, simple, convenient, as well as the advantages of anytime and anywhere. Unlike e-commerce, m-commerce is more personalized and there is a need for a novel approach to evaluating m-commerce applications. According to independent research findings, m-commerce, the conducting of business and services over portable, wireless devices, plays a dominant force in business and society. The viability of these projections depends on the power of the underlying technology drivers and the attractiveness of m-commerce applications. To compete in a marketplace dominated by wireless devices, businesses must devise effective m-commerce strategies. Building successful strategies begins by recognizing the forces driving m-commerce's emergence. Mobile technology innovations have allowed organizations to expand the way they conduct business. Organizations are increasingly leveraging the unique value propositions of mobile business in terms of convenience, ubiquity, unison, and personalization to improve business performance and support their value chain activities. This article addresses the following research questions: (i) How does m-commerce create value for organizations? and (ii) What are the organizational impacts of m-business?
THE IMPACT OF M-COMMERCE IN BUSINESS OPERATIONS
(International Journal of Business Management & Research, 2014-10-17) S, Poornima; R, Bhuvaneswari
Twenty first century is a digitization, networking and information-based era. Mobile and wireless communication technologies have enabled the provision of innovative services for individuals, organizations and society, while at the same time they have spawned a superabundance of research opportunities. Mobile e-commerce is a trend, getting rapid development and a wide range of applications because of its flexible, simple, convenient, as well as the advantages of anytime and anywhere. Unlike e-commerce, m-commerce is more personalized and there is a need for a novel approach to evaluating m-commerce applications. According to independent research findings, m-commerce, the conducting of business and services over portable, wireless devices, plays a dominant force in business and society. The viability of these projections depends on the power of the underlying technology drivers and the attractiveness of m-commerce applications. To compete in a marketplace dominated by wireless devices, businesses must devise effective m-commerce strategies. Building successful strategies begins by recognizing the forces driving m-commerce's emergence. Mobile technology innovations have allowed organizations to expand the way they conduct business. Organizations are increasingly leveraging the unique value propositions of mobile business in terms of convenience, ubiquity, unison, and personalization to improve business performance and support their value chain activities. This article addresses the following research questions: (i) How does m-commerce create value for organizations? and (ii) What are the organizational impacts of m-business?
INNOVATION ADOPTION AND BUSINESS PERFORMANCE: A CAUSAL INVESTIGATION WITH REFERENCE TO THE KNITWEAR CLUSTER OF TIRUPUR DISTRICT
(Prerana - Journal of Management Thought and Practice, 2013) Nair, Savitha; S, Poornima
Innovation is at the heart of economic advancement of firms as well as nations. In a business setting, innovations are considered to be strategically essential, through which a firm can develop positive outcomes in the form of improved business performance and competitive advantage ensuring organizational sustainability, in the long run. Practically, almost all the new firms would have started from a development which is innovative. If the firm has to survive and expand subsequently, it is imperative that they must constantly innovate, at least gradually. The meaning of ‘innovation’ is no longer restricted to ‘R and D’, but has several dimensions and each of them is perceived to be critical for acquiring competitive advantage. Innovation, in its generally accepted definition, refers to an idea or behaviour new to the adopting organization. Traditionally, the term ‘innovation’ was limited in its scope by referring only to technological innovations. However, the term has wider connotation now to include marketing and administrative innovations also in its purview. Research evidence shows that there exists a strong correlation between business performance and innovations. The impact of innovation adoption on firm performance invariably portrays the success or failure of innovations adopted by the firm and stands to measure the comparison between the innovating and non innovating firms. However, measuring such impact is an important issue as it ranges from effects on sales to improved market share to changes in productivity and operational efficiency and so on. This paper is the outcome of an empirical research on the various types of innovations adopted by Small and Medium Enterprises (SMEs) and their impact on business performance. Tirupur knitwear cluster, an internationally acclaimed business district situated in Tamil Nadu, India has been taken as the universe for the purpose of the study. The final results indicated that majority of the respondents in the cluster were high adopters of innovation in their respective businesses. The most frequently adopted innovations in the cluster were found to be administrative innovations followed by marketing and technological innovations. Innovation adoption has significant positive influence on the business performance of the firms, measured in terms of both financial and market performance indicators. Innovation adoption has significant influence on the turnover achieved by the responding firms. Whether the company adopts technological, administrative or marketing innovations, the impact of each of the three is more felt on market performance of the firms. The research contributes to the domain of knowledge on innovation management. The study adds to the existing research findings on innovation adoption among SMEs in the context of industrial clusters, specifically the knitwear industry. Based on the findings and extensive literature analysis, recommendations have been made for future research and policy implications. Tirupur being a closely knit cluster, the successful innovation experiences of one firm will spread swiftly in the cluster and this can help in developing and sustaining competitive advantage of the cluster as a whole. The existing innovation culture and capability can be examined by the practicing managers and steps can be taken to promote the same thereby improving the business performance. Government policy initiatives can be directed towards building this up, especially so because the cluster contributes extensively to the foreign exchange earnings of the country.
A STUDY OF KEY DETERMINANTS OF PERFORMANCE OF LIFE INSURANCE SECTOR IN INDIA IN THE POST LIBERALISATION PERIOD
(2012) Sangeetha Natarajan; S, Poornima
A STUDY ON BIG DATA ANALYTICS IN CAPITAL MARKET
(Bonfring Intellectual Integrity, 2014-12-29) S, Poornima; R, Bhuvaneswari
Today’s capital market industry is facing new and increasing challenges, including tighter regulations, higher capitalization rates, changing customer demographics and pressure to grow revenue. Overcoming the obstacles and capitalizing on new opportunities in capital markets demands the right technology to deliver trusted, timely and authoritative capital markets data without increasing data management costs. Big Data’s embrace of existing data models and potentially new ones appears, in the eyes of many data architects, to qualify it for consideration as a solution to this kind of data consistency issue. To accumulate capital, generate high portfolio returns for investors and mitigate risks within regulatory boundaries, financial institutions need high-performance IT infrastructures that meet complex analytical and “Big Data” requirements. With a Big Data platform, stock market traders and investment portfolio managers can process vast amounts of unstructured data to identify the best companies in which to invest. Unstructured public information like company news, product reviews, supplier data and price list change can be processed en masse as Big Data, producing mathematical models that help traders decide which stock to buy or sell. This article addresses the following research questions: (i) How does Big data create value for Capital Market? and (ii) What are the Implementations of Big Data Analytics in the Capital Market Industry?
A STUDY ON BIG DATA ANALYTICS IN CAPITAL MARKET
(PSGR Krishnammal College for Women, 2014-12-29) S, Poornima; R, Bhuvaneswari
Today’s capital market industry is facing new and increasing challenges, including tighter regulations, higher capitalization rates, changing customer demographics and pressure to grow revenue. Overcoming the obstacles and capitalizing on new opportunities in capital markets demands the right technology to deliver trusted, timely and authoritative capital markets data without increasing data management costs. Big Data’s embrace of existing data models and potentially new ones appears, in the eyes of many data architects, to qualify it for consideration as a solution to this kind of data consistency issue. To accumulate capital, generate high portfolio returns for investors and mitigate risks within regulatory boundaries, financial institutions need high-performance IT infrastructures that meet complex analytical and “Big Data” requirements. With a Big Data platform, stock market traders and investment portfolio managers can process vast amounts of unstructured data to identify the best companies in which to invest. Unstructured public information like company news, product reviews, supplier data and price list change can be processed en masse as Big Data, producing mathematical models that help traders decide which stock to buy or sell. This article addresses the following research questions: (i) How does Big data create value for Capital Market? and (ii) What are the Implementations of Big Data Analytics in the Capital Market Industry?
STUDY ON FUNDAMENTAL ANALYSIS AND STOCK SELECTION BY F_SCORE MODEL FOR SELECTED COMPANIES OF TEXTILE SECTOR
(Bharathiar University Arts and Science College, Valparai, 2016-09-15) S, Poornima; R, Bhuvaneswari
In this research work a simple financial score is considered to capture short term changes in firm’s operating efficiency, Profitability and Financial policy of selected companies in Textile Sector for the past five financial years starting from 2010 to 2014. All this data is then put into F_ SCORE as developed by Piotroski in the year 2000. The score value helps the investor to make a systematic decision to buy or sell the selected shares. The goal of this paper is to show that investors can create a stronger value portfolio by using simple historical financial performance.
A STUDY ON THE PORTFOLIO OF NON PERFORMING ASSETS IN INDIAN PRIVATE SECTOR BANKS
(International Journal of Business and Administration Research Review, 2015-12) S, Poornima; M, Theivanayaki
The study was conducted to establish framework for measuring and managing non-performing assets for Indian Private Banks. The Portfolio of all non-performing assets was considered for study. The study emphasizes on management on non- performing asset in the perspective of private sector banks in India under strict asset classification norms. The study traces movement of the non-performing assets present in private sector banks of India by analysing the financial performance of the bank with respective key performance indicator. The study is conducted for the period of five years from 2010-11 to 2014-15 for the Indian private sector banks. The results reveals that the movement of Non – performing assets of Indian Private sector banks showed an increasing trend from 2010-2011 to 2013-2014 but in 2014-2015 the level of NPA is reduced slighter which is a good indicator of the bank’s performance. This study also recommends an efficient loan appraisal system and emphases on the need for effective credit risk management policies in the current scenario.
A STUDY ON THE PORTFOLIO OF NON-PERFORMING ASSETS IN INDIAN PUBLIC SECTOR BANKS
(International Journal of Applied Research, 2015-12) S, Poornima; M, Theivanayaki
Non-performing assets (NPAs) have become the biggest issue for the Indian banking sector. Nonperforming assets have been detrimental to the efficient performance of Indian banks. Their continued amelioration in absolute terms proved the survival of Indian banks very difficult. As on March 2015, the total NPA of Indian public sector banks stand at Rs.196072 crore against the standard asset Rs. 5838443crore which is 3.3 percent of total NPAs. This study attempts to analyse the various portfolio of NPAs of Indian Public sector banks with special reference to standard assets, sub-standard assets, doubtful assets and loss assets for the period 2010-11 to 2014-15. The data have been collected from the annual reports of the individual banks and CMIE database. It is observed that the NPA level shows an inconsistent rise over the study period. And the banks must ensure that they give loans to credit worthy customers and needs to concentrate on the area of nonperforming assets.