Department of B.Com Actuarial Management and Financial Service

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    OVERSEAS DIRECT INVESTMENTS TO THE WHOLLY OWNED SUBSIDIARIES AND THEIR ASSOCIATION WITH INDIAN MACROECONOMIC FACTORS
    (Indian Journal of Finance, 2023-07-07) Vijayalakshmi D; Shalini K, Menon
    The present study focused on analyzing the macroeconomic factors of the home country (India) before investing in a wholly owned subsidiary (WOS) established in a foreign country. When an investment is made in a WOS, the entity must focus on several factors that would ensure profitability in the long run.The overseas investments to the WOS are made through equity, loan, and guarantee or a combination of the same. The study considered the total overseas direct investments to the WOSs. The performance of the total overseas investments was analyzed using descriptive statistics. The short-run and long-run associations between the total overseas direct investment and the macroeconomic factors of the home country were estimated by employing the Granger causality test and Johansen cointegration test.The results proved the existence of a short-run association between select macroeconomic factors and overseas investments. A long-run association also existed between the variables.Apart from firm-specific factors, several macroeconomic factors should also be considered before investing. In this context, the study focused on the performance of the ODI from India to the WOS in particular and the home country’s macroeconomic factors that should be evaluated before investing in a foreign country.Although several research studies were conducted on the performance and growth of overseas direct investments, studies about investments to the WOSs established abroad is a new research dimension in the area of overseas direct investments in the Indian scenario.
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    MSME IN INDIA- CHALLENGES AND OPPORTUNITIES
    (2020-01) Shobana M; Harini M
    Abstract: Micro entrepreneurship is now a day a major opportunity for the people to earn income. On the contrary it is also a fact that the majority of entrepreneurs are facing many problems due to not availability of primary amenities in areas of developing country like India. Unavailability of resources, lack of management, financial problems, and insufficient technical and conceptual ability it is too difficult for the rural entrepreneurs to establish industries in the rural areas. This article highlights problems and challenges faced by the entrepreneurs’ towards micro enterprises and also prospects of MSME.
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    CHALLENGES AND OPPORTUNITIES OF MSMES
    (Bonfring, 2020-01) Harini M; Rajalaxmi S
    Micro entrepreneurship is now a day a major opportunity for the people to earn income. On the contrary it is also a fact that the majority of entrepreneurs are facing many problems due to not availability of primary amenities in areas of developing country like India. Unavailability of resources, lack of management, financial problems, and insufficient technical and conceptual ability it is too difficult for the rural entrepreneurs to establish industries in the rural areas. This article highlights problems and challenges faced by the entrepreneurs’ towards micro enterprises and also prospects of MSME.
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    CUSTOMER RELATIONSHIP MANAGEMENT IN THE INSURANCE INDUSTRY
    (Shanlax Publications, 2019-03) M, Shobana; M, Harini
    This paper addresses the implementation of Customer Relationship Management (CRM) in insurance companies. we reviewed several specialized papers addressing regional and international solutions for customer relationship management. We focus on strategies used in sales management with reference to the standards of customer service and the models used in customer relationship management. The aim of the authors is to present the benefits resulting from the application of new technologies, thus estimating the pace of change, the new opportunities and the need for flexibility in the relationship with customers. Along with the technological component the human component is also present in order to ensure the successful implementation of CRM.
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    A STUDY ON CHIEF MINISTER’S COMPREHENSIVE HEALTH INSURANCE SCHEME (CMCHIS) IN TAMIL NADU
    (Shanlax Publications, 2019-03) M, Harini; G R, Rajalakshmi
    The percentage of India's national budget allocated to the health sector remains one of the lowest in the world, and healthcare expenditures are largely out-of-pocket (OOP). Currently, efforts are being made to expand health insurance coverage as one means of addressing health disparity and reducing catastrophic health costs. The growth of health insurance in India requires a better understanding of the perceptions of healthcare providers and the stakeholders. Given the lack of affordability of the poor, low penetration of health insurance, any attempt towards attaining the universal healthcare should be necessarily under taken. The problems at the grass root level should be identified and cured at the infant stage itself. Merely because of the fact that the insurance premium is subsidized by the Government, the ultimate beneficiaries should not be deprived of the due benefits. Health insurance is a mechanism by which a person protects himself from financial loss caused due to accident and or disability. Though disability is not fixed, precise and immutable state affected as it is by numerous influences, both objective and subjective, its significance to society is that condition of ill health arising from disease or injury that prevents the individual from pursuing his normal routine of living. The universality of the hazard of disability is everywhere recognized, just as “uncertainty is one of the fundamental facts of life”. It is may be because of this reason why the earlier society looked into health insurance as a mechanism to reduce the uncertainty attached to disability.
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    AN EMPIRICAL STUDY ON CAPITAL STRUCTURE ANALYSIS OF TATA STEEL COMPANY
    (International Journal of Current Advanced Research, 2018-03-28) C, AnithaMary; M, Harini
    The main objective of the firms is to maximize its profits and in the same time minimize its costs, when companies search about resources to finance its investments they take this objective in consideration. The main sources that firms could use to provide the necessary finance are the internal finance which is equity, and the external finance which is debt. Most of companies use a mix between equity and debt which form the capital structure. Capital structure was defined firstly by Modigliani and Miller as the mix between debt and equity that the company uses in its operation. The paper that published by Modigliani and Miller refers to the impact of capital structure on firm value under many restrictive assumptions that have been modified by them five years later in (1963). After Modigliani and Miller, Jensen and Meckling discussed the agency cost theory which refers to the potential conflict between managers and shareholders in one side, and between shareholders and debtors in another side. Since Jensen and Meckling’s argument the relationship between capital structure and firm performance, many researchers have begun to study the relationship between capital structure and firm performance.
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    A STUDY ON CONSUMER AWARENESS AND USAGE OF E-BANKING SERVICES WITH REFERENCE TO COIMBATORE CITY
    (International Journal of Commerce and Management Research, 2017-03) C, AnithaMary; M, Harini
    Electronic banking or e-banking is the term that describes all transitions takes place among companies, organisations and individual and their banking institutions. First conceptualized was in the mid-1970’s some banks offered customer electronic banking in 1985. The emergence of E-Banking has enabled the banks to offer real-time transactions and integrate all customers’ related functions. Indian Banks are utilizing the new technology to provide better technology and convenient access to its customers and India is thus poised to for a huge growth in the world of electronic banking. The impact of e-banking on profitability has been ignored which can give a good platform for future research.
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    A STUDY ON SATISFACTION LEVEL AND PROBLEMS OF POLICYHOLDERS IN MEDICAL INSURANCE
    (International Journal of Multidisciplinary research and Development, 2016-03) C, AnithaMary; M, Nithyasri; M, Harini
    (Health Insurance policy is being purchased by families and individuals who can afford to pay the medical bills. But the Govt. of India is putting all its efforts to encourage people to buy health insurance and specialized insurance companies are promoted which are exclusively dealing in health insurance. The researchers have analyzed to identify the satisfaction level and problems of policy holders of health insurance in Coimbatore City with 100 respondents. For the purpose of analysis percentage analysis, ANOVA and ranking techniques have been used. The findings of the study states that there is no significant difference between Annual Income and Satisfaction factors like Flexible Premium, Company is clear & true and overall experience and Settlement Amount is lower than what it is claimed as the major problem faced by the policy holders. Hence, it is identified that policyholders felt difficult to get treatment in the hospital in which the insurance company were made tie-up. So when there is reduction and eradication of these problems it is definite that growth of Health Insurance would be higher in future.)
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    ENTREPRENEURSHIPS: A REVIEW OF ENTREPRENEURIAL TRAITS AMONG WOMEN IN COIMBATORE CITY
    (Studies in India Place Names, 2020-03) Rajalakshmi G.R; Rajamani G
    An entrepreneur is defined as “person in effective control of commercial undertaking; one who undertakes a business or an enterprise”. Entrepreneurship is the procedure of designing, introduction and organization a new business, which is often initially a small business. The people who create these businesses are called entrepreneurs .Entrepreneurship is the act of being an entrepreneur, who starts any financial activity for being self-employed. Entrepreneurship is the “process of the entrepreneur”. It is an effort to make value from end to end recognition of business opportunity. It is basically forthcoming and management functions to assemble financial and material property. It finally, as the risk taker, apart from enjoying the wealth that he creates, he will have to prolong its continuing need for different resources, as it optimistically expands and grows.
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    AN EMPIRICAL STUDY ON CRITICAL ISSUES OF LEAN IMPLEMENTATION IN MICRO, SMALL AND MEDIUM ENTERPRISES WITH REFERENCE TO COIMBATORE CITY
    (International Journal of Management, Technology and Engineering, 2019) G, Indrani; C, AnithaMary; G R, Rajalakshmi; G, Rajamani
    Lean manufacturing also known as Toyota Production Systems was first introduced by Toyota. Lean manufacturing is acknowledged as Value additive Process by eliminating all wastes by Proper Process Management. Now days, almost all sectors industries are trying to implement Lean in their Organization while MSME's are struggling to implement these techniques. Hence, this paper has attempted to understand the tools and techniques of lean and to explore the Critical Issues of Lean Implementation in Micro, Small and Medium Enterprises.