@Research Article
<#LINE#>Role of media towards elderly people and their personality<#LINE#>Chandrakar @Rajshree ,Joglekar@A.  <#LINE#>1-5<#LINE#>1.ISCA-RJMS-2017-015.pdf<#LINE#>Bhilai Mahila Mahavidyalaya, Bhilai, CG, India@Govt. D.B.P.G Girls College, Raipur, CG, India<#LINE#>10/4/2017<#LINE#>15/7/2017<#LINE#>The purpose of this study was to investigate the nature of personality, level of loneliness, essential needs of elderly people, and the role of communication media in Bhilai City. A sample comprising 100 elderly people participated in the study majority of the people were female (64%) while 34% of Male. The mean age was 65.98 (SD = 7.51) with a range from 50 to 94. The Dimensional Personality Inventory tool was used to analyse the personality and Pearson-Product-Moment correlations were used to explore the relationships between participants\' loneliness, needs, and characteristics. The findings of this study provided essential information, about elderly people’s personality traits, concerning: level of loneliness and relationships that exist among loneliness and the use of media like internet, television, and mobile phones for their social connect. The findings also suggest implications for psychosocial practice. The results partly supported the hypotheses as well as extended the knowledge about what factors contribute to decision making. This analysis will be useful for the researchers, care takers and media sources as well as decision makers for taking informed decisions and for further study.<#LINE#>Faber J.A. (2004).@The therapy with the elderly journal of family psychotherapy.@14(4), 1-14.@No$Mc Connel J.V. (1974).@Understanding human behavior.@Holt, Rinehart & Winston, 493, ISBN: 0-03-089715-7.@Yes$Kensaku S. (2010).@Older people and television viewing in Japan.@NHK Broad casting studies, 63-94.@Yes$Rockmann R. and Gewald H. (2015).@elderly people in health: who are they.@procedia computer science, 63(10), 505-510.@Yes$Bhargava M. and Bargava A. (1999).@Personality Traits Among Narcotic drug Abusers.@Indian Journal Of Clinical Psychology, 26, 93-97.@Yes$Triandis Harry C. and Suh Eunkook M. (2002).@Cultural influence on personality.@Annual Review of Psychology, 53, 133-160.@Yes$Hudson N.W. and Fraley R.C. (2015).@Volitional Personality Trait Change: Can People Choose to Change Their Personality Traits?.@Journal of Personality and Social Psychology, 109, 490.@Yes$Oliver P.J., Srivastava S., Potter J. and Gosling S.D. (2003).@Development of Personality in Early and Middle Adulthood: Set Like Plaster or Persistent Change?.@Journal of Personality and Social Psychology, 84(5), 1041-1053.@Yes$Cronbach L.J. (1951).@Coefficient alpha and the internal structure of tests.@Psychometrika, 16(3), 297-334.@Yes$Bhargava A., Jamison D.T., Lau L.J. and Murray C.J. (2001).@Modeling the effects of health on economic growth.@Journal of Health and economics, 20(3), 423-440.@Yes$Nachar Nadim (2008).@The Mann&#8208;Whitney U: A Test for Assessing Whether Two Independent Samples Come from the Same Distribution.@Tutorials in Quantitative Methods for Psychology, 4(1), 13-20.@Yes$Techatassanasoontorn A. and Ractham P. (2014).@Social Media Use and Senior Citizen’s Life Satisfaction.@25th Australasian Conference on Information Systems 8th -10th Dec 2014, Auckland, New Zealand@Yes
@Review Paper
<#LINE#>The changing perception of today’s women towards online shopping<#LINE#>Dubey @Savita ,Singh Wadhwa@Daljeet  <#LINE#>5-10<#LINE#>2.ISCA-RJMS-2017-043.pdf<#LINE#>Bhilai Institute of Technology, Bhilai, CG, India@Department of Management, Bhilai Institute of Technology, Bhilai, CG, India<#LINE#>10/4/2017<#LINE#>18/7/2017<#LINE#>Internet marketing provides abundance of opportunities to the marketer. It is growing at a phenomenal pace worldwide and India is also witnessing the same. All these have paved the way for marketer to work in new type of market i.e. online line. It has compelled the marketers to understand and target the customers in more efficient way by changing their marketing strategy. Marketers are now very much involved in understanding online buying behavior. The parameters on which they are working are identification of online customers, what they buy, when they buy, why they buy, what are the other factors affecting their online buying behaviour (like social media). Both working and non-working women play a key role in buying decision. Understanding online market will help in exploring buying behaviour of women customers from the age of brick to click. Now women have opened a new avenue for marketer to design their marketing strategy to entice them. Women’s role as the family purchasing agent is now changing as number of working women are increasing day by day. By this article different strategies adopted by the marketer will be known and what other strategies they can adopt to serve very important segment of society in a better way. Women perception towards online buying will examine the various factors that influence the working and non-working female shoppers’ attitude towards online shopping. Marketers should consider them very seriously and give them utmost importance for framing marketing strategies.<#LINE#>Mathew B. (2015).@A study on changing trends in online shopping of Indian consumers in Apparel segments.@International Journal of applied research, 1(9), 207-214.@Yes$Pappas I.O., Kourouthanassis P.E., Michail G.N. and Chrissikopoulos V. (2014).@Shiny happy people buying: the role of emotions on personalized e-shopping.@Electronic Markets, 24(3), 193-206.@Yes$Sinha P.K., Gokhale S. and Rawal S. (2015).@Online Retailing Paired with Kirana- A Formidable Combination for Emerging Markets.@Customer Need and Solutions, 2(4), 317-324.@Yes$Naseri M.B. and Elliott G. (2011).@Role of demographics, social connectedness and prior internet experience in adoption of online shopping: Applications for direct marketing.@Journal of Targeting, Measurement and Analysis for Marketing, 19(2), 69-84.@Yes$Rakesh S. and Khare A. (2012).@Impact of promotions and value consciousness in online shopping behaviour in India.@Database Marketing and Customer Strategy Management, 19(4), 311-320.@Yes$Roy S., Chan T. and Cheema A. (2014).@Price Expectations and Purchase Decisions: Evidence from an Online Store Experiment.@Customer Need and Solution, 1(2), 117-130.@Yes$Saravanan S. and Devi B.K. (2015).@A study on online buying behavior with special reference to Coimbatore city.@IRACST – International Journal of Commerce, Business and Management, 4(1), 988-995.@Yes$Pinto N.L. (2013).@Understanding the barriers to online shopping among Indian consumers.@International Journal of Research in Humanities, Arts and Literature, 1(3), 35-44.@Yes$Hossein M., Javadi M., Dolatabadi H.R, Nourbakhsh M., Poursaeedi A. and Asadollahi A.R. (2012).@An Analysis of Factors affecting on Online Shopping Behavior of Consumers.@International Journal of Marketing Studies, 4(5), 81-98.@Yes$Nagra G. and Gopal R. (2013).@A study of factor affecting online shopping behavior of consumers.@International Journal of Scientific and Research Publications, 3(6). ISSN 2250-3153@Yes$Aimol A., Verma R. and Chacko N. (2014).@Consumer attitude towards online shopping.@Research Journal of Family, Community and Consumer Sciences, 2(8), 4-7.@No$Siddiqui W. (2016).@Study on Buying Behaviour of Men and Women.@Imperial Journal of Interdisciplinary Research (IJIR), 2(4), 664-667.@Yes$Fernandes S. and Londhe B.R. (2014).@Working women and non-working women buying behavior: influence of social references groups on the purchase of products – review.@Indian Journal of Commerce and Management Studies, 5(2), 91-98.@No$Agarwal S. (2013).@A study of factors affecting online shopping behavior of consumers in Mumbai region.@Tactful Management Research Journal, 4(10), 1-11.@Yes
@Short Review Paper
<#LINE#>Analyzing online and offline consumer behavior<#LINE#>Guha @Sourabh ,Wadhawa @Daljeet S. ,Verghese @Manoj  <#LINE#>11-13<#LINE#>3.ISCA-RJMS-2017-031.pdf<#LINE#>Department of Management Studies, Rungta College of Engineering and Technology, Bhilai, CG, India@Department of Management, Bhilai Institute of Technology, Bhilai, CG, India@Department of Management Studies, Rungta College of Engineering and Technology, Bhilai, CG, India<#LINE#>10/4/2017<#LINE#>7/7/2017<#LINE#>The online/internet based and offline/traditional based marketing both have different features to display to consumers. While shopping on internet no physical traveling of customers is done nor any shipment cost is involved nor there is any restriction/limitations on timings for shopping. Plus it gives extra advantage of ease of access, convenience and time saving. In contrast, offline/traditional shopping allows physical inspection/ degree of tangibility of the products, communication among customers and marketers but in contrast it involves high travel cost of customers which needs to be borne by themselves and exploration costs, and also has limitations on shopping timings. Consumers may exercise the both channels in a different way resulting the same consumers may display dissimilar behaviors while shopping through online and offline channels. Therefore, it is important to understand how the same consumers behave at the two channels. In this study we have attempted to present an in-depth review of prior theoretical literature available related to online and offline consumer behavior.<#LINE#>Danaher Peter J. , Wilson Isaac W.  and Davis Robert A.  (2003).@A Comparison of Online and Offline Consumer Brand Loyalty.@Marketing Science, 22(4), 461-476.@Yes$Ahn Tony, Ryu Seewon and Han Ingoo (2004).@The Impact of the Online and Offline Features on the User Acceptance of Internet Shopping Malls.@Electronic Commerce Research and Applications, 3(4), 405-420.@Yes$Levin Aron M., Levin Irwin P. and Weller Joshua A. (2005).@A Multi-Attribute Analysis of Preferences for Online and Offline Shopping: Differences across Products, Consumers and Shopping Stages.@Journal of Electronic Commerce Research, 6(4), 281-290.@Yes$Chu Junhong, Arce Marta, Calvo Jose and Chintagunta Pradeep K. (2010).@An Empirical Analysis of Shopping Behavior across Online and Offline Channels for Grocery Products: The Moderating affects of Household and Product Characteristics.@Journal of Interactive Marketing, 24(4), 251-268.@Yes$Lu Yaobin, Cao Yuzhi, Wang Bin and Yang Shuiqing (2011).@A study on factors that affect users@Computers in Unman Behavior, 27(1), 355-364.@Yes$Sinha Piyush K., Banerjee Arindam and Uniyal Dwarika Prasad (2002).@Deciding Where to Buy: Store Choice Behavior of Indian Shoppers.@Vikalpa, 27(2), 13-28.@Yes$Andrews Rick L. and Currim Imran S. (2004).@Behavioral Differences between Consumers Attracted to Shopping Online versus Traditional Supermarkets: Implications for Enterprise Design and Marketing Strategy.@Int. J. Internet Marketing and Advertising, 1(1), 38-61.@Yes$Pauwels Koen, Leeflang Peter S.H., Teerling Marije L. and Huizingh K.R. Eelko (2011).@Docs Online Information Drive Offline Revenues?: Only for Specific Products and Consumer Segments.@Journal of Retailing, 87(1), 1-17.@Yes$Isabel P., Riquelme A. and Roman S. (2014).@The Influence of Consumers@Journal of Business Ethics, 119(3), 405-422.@Yes
<#LINE#>Emerging digital economy – a cashless perspective in India challenges in India<#LINE#>Agrawal @Parishkrit   <#LINE#>14-17<#LINE#>4.ISCA-RJMS-2017-058.pdf<#LINE#>G.S. College of Commerce, Wardha, MS, India<#LINE#>10/4/2017<#LINE#>28/7/2017<#LINE#>Today’s economic activities are driven by the use of digital platforms which enable transmission of information by the use of worldwide network. Use of digital technologies enables transformation of public life and has a significant impact on socio-economic development of people and economic development of the country. The government initiatives are driven towards creating an environment where good governance is possible by use of digitization. The growing use of technologies, in commercial environment leads to various innovation in digital payments like debit cards, credit cards, ECS, NEFT, RTGS USSD, UPI, Aadhar based payment system etc. making access to various products and service at the doorstep of the consumer. Digital economy on the one hand provides easy access to products and services, but on the other hand transmission of personal information poses financial risk as well. Digital platforms have two potential risk i.e., transmission of confidential information of business and public and lack of network security resulting to unauthorized access. Evolution and innovation is prerequisite for digital economy but the cashless model is still at nascent stage and yet to answer how effectively and efficiently it is to be used. This paper elucidates the various initiatives taken by the government towards digital economy before and after demonetization and its contribution to India’s GDP in near future.<#LINE#>NITI Aayog (2017).@Interim Report of the Committee of Chief Ministers on Digital payments.@@No$Samtani Kanchan and Sarawgi Sumit (2017).@Building India’s digital highway.@http://www.livemint.com/Politics/ xLnErGf2Mq9xDQYj3VHWmI/Building-Indias-digital-highway.html, 24th January 2016.@No$Securities Exchange Commission (2015).@Securities and Exchange Commission, Security-Based Swap Data Repository Registration, Duties, and Core Principles.@Federal Register, 19th March 2015.@No$BCG (2020).@Boston Consultancy Group, Digital Payments 2020.@http://image-src.bcg.com/BCG_COM/BCG-Google%20 Digital%20Payments%202020-July%202016_tcm21-39245.pdf@No$Doval Pankaj (2016).@Digital payments soar by up to 300% after demonetization.@http://timesofindia.indiatimes.com/ business / india-business/Digital-payments-soar-by-up-to-300-after-demonetisation/articleshow/55902284.cms 10th December 2016.@No$Waghmare Abhishek (2016).@The year cashless payments trended upwards.@http://www.business-standard.com/article/ economy-policy/post-demonetisation-digital-payments-are-down-15-116122700098_1.html 27 December 2016.@No$Brynjolfsson Erik, Hu Yu and Smith Michael (2003).@Consumer surplus in the digital economy: estimating the value of increased product variety at online.@Management Science, 49(11), 1580-1596.@Yes$Soni Surekha (2017).@Digital India is s first step for a Grand Triumph.@IJARIIE, 3(1), 174-180.@No$Narang Uma (2017).@Digital India and its Impact.@1-6. http://pggc46.ac.in/images/DIGITAL%20INDIA%20AND%20ITS%20IMPACT.pdf.@No$PIP (2016).@Petrol, insurance premia get cheaper in govt@http://www.domain-b.com/finance/general/ 20161208 _cashless.html 8th December 2016.@No$Bussiness Standerd (2016).@Government announces sops to promote digital payments.@http://www.business-standard.com/article/news-ians/ government- announces-sops-to-promote-digital-payments-116120801023_1.html 8th December 2016.@No$Cloud affairs (2016).@Government announces several incentives on payment through digital modes.@https://www.affairscloud.com/govt-announces-several-incentives-payments-digital-modes/ 9th December 2016.@No$Shukla Saloni and Bhakta Pratik (2016).@3.2 million debit cards compromised; SBI, HDFC Bank, ICICI, YES Bank and Axis worst hit.@http://economictimes.indiatimes.com/ news/industry/banking/finance/banking/3-2-million-debit-cards-compromised-sbi-hdfc-bank-icici-yes-bank-and-axis-worst-hit/ articleshow/54945561.cms 20th October 2016.@No$Zandi Mark, Singh Virendra and Irving Justin (2013).@The Impact of Electronic Payments on Economic Growth.@Moody Analytics, 1-16. https://usa.visa.com/ dam/VCOM/download/visa-everywhere/global-impact/ impact-of-electronic-payments-on-economic-growth.pdf@Yes$RBI (2017).@Reserve Bank of India.@Data Release, Bank-wise In ECS/NEFT/RTGS/Mobile Transactions@No$RBI (2017).@Reserve Bank of India.@Data Release, Bank-wise ATM/POS/Card Statistics.@No
<#LINE#>A survey of behaviorial finance<#LINE#>Tomar @Saurabh ,Singh Wadhwa @Daljeet  <#LINE#>18-20<#LINE#>5.ISCA-RJMS-2017-067.pdf<#LINE#>Bhilai Institute of Technology, Durg, CG, India@Bhilai Institute of Technology, Durg, CG, India<#LINE#>10/4/2017<#LINE#>20/7/2017<#LINE#>Traditionally, it is believed that participant of Financial Market are fully Rational and Markets are fully efficient. This belief has got prolonged effect in developing theories of Financial Markets. There were some instances in Financial Market operation which could not be explained by traditional Finance practice nor. To explain these phenomena academician looked towards Behavioral Finance as the key. This paper examines some basic tenets on which Behavior Finance stand. The primary distinction in assumption of traditional Finance practice nor and Behavior Finance practice nor is also discussed. It is concluded that though Behavior Finance might explain some anomalies of Financial Market a great deal of work need to be done to find out factors which lead to such anomalies.<#LINE#>Friedman M. and Savage L.J. (1984).@The Utility Analysis of Choices Involving Risk.@Journal of Political Economy, 56(4), 279-304.@Yes$Friedman M. (1953).@Essays in Positive Economics.@(University of Chicago Press), The case for &#64258;exible exchange rates, 157-203.@Yes$Summers L., Cutler D. and Poterba J. (1985).@Speculative dynamics.@Review of Economic Studies, 58, 529-546.@No$De Long J.B., Shleifer A., Summers L. and Waldmann R. (1990).@Noise trader risk in financial markets.@Journal of Political Economy, 98(4), 703-738.@Yes$Shleifer Andrei and Vishny Robert W. (1997).@A survey of Corporate Governance.@The Journel of Finance, 52(2), 737-783.@Yes$D’Avolio Gene (2002).@The market for borrowing stock.@Journal of Financial Economics, 66(2), 271-306.@Yes$Merton Robert C. (1987).@A simple modelof Capital Market Equillibrium  with incomplete information.@The Journel of Finanace, 42(3), 483-510.@Yes$Camerer Colin and Thaler Richard H. (1995).@Anomalis:Ultimatus,Dictater and Manns.@The Journlel of Economic Prospective, 9(2), 209-219.@Yes$Mathew Rabin (1998).@Pychology and Economics.@Journal of Economic Literature, 36(1), 11-46.@Yes$Kahneman Daniel and Tversky Amos (1979).@Prospect theory: an analysis of decision under risk.@Econometrica, 47(2), 263-291.@Yes$Kahneman D. and Tversky A. (2000).@Choices, values and frames.@New York: Cambridge University Press and the Russell Sage Foundation.@Yes$Gilovich T., Griffin D. and Kahneman D. (2002).@Heuristics and biases: The psychology of intuitive judgment.@New York: Cambridge University Press.@Yes$Alpert M. and Raiffa H. (1982).@A progress report on the training of probability assessors.@D. Kahneman, P. Slovic and A. Tversky, eds., Judgment Under Uncertainty: Heuristics and Biases (Cambridge University Press, Cambridge), 294-305.@Yes$Fischhoff Baruch, Slovic Paul, and Lichtenstein Sarah (1977).@Knowing with Certainty: The Appropriateness of Extreme Confidence.@Journal of Experimental Psychology: Human Perception and Performance, 3(4), 552-564.@Yes$Lord Charles G., Ross Lee and Lepper Mark R. (1979).@Biased assimilation and attitude polarization: The effects of prior theories on subsequently considered evidence.@Journal of personality and social psychology, 37(11), 2098-2109.@Yes$bachelor Louis (1990).@The theory of speculation.@Ph.D. Thesis Princeton University.@No$Regnault Jules (1863).@Calcul des chances et philosophie de la bourse.@Paris: Mallet-Bachelier and Castel.@Yes$Malkiel Burton (1973).@A Random Walk Down Wall Street.@@Yes
<#LINE#>Cross selling: A tool for customer satisfaction<#LINE#>Shah @Minal ,Guha @Sanjay ,Shrivastava @Urvashi  <#LINE#>21-23<#LINE#>6.ISCA-RJMS-2017-072,pdf<#LINE#>Department of Management, Bhilai Institute of Technology, Durg, CG, India@Department of Management, Bhilai Institute of Technology, Durg, CG, India@Department of Management, Bhilai Institute of Technology, Durg, CG, India<#LINE#>10/4/2017<#LINE#>15/7/2017<#LINE#>Effective cost management is at the core of every organizational strategy. To reduce the cost, bank focuses on utilizing the customer relationship. If the customer is holding more than one product of bank, it reveals that the customer values the bank high. Banks are adopting smarter tools to fascinate more customers by maximizing its services which directly adds value to the customer. This value addition is done by providing the services and products to the customers in a strategically planned way by formulating cross selling strategies. Cross selling gives an opportunity to sell an additional product or services.<#LINE#>Rekha K.G. (2015).@Cross Selling of Financial Products- A Study Based on Customers in Kerela.@International Journal of Science and Research, Online ISSN 2319-7064. Paper ID: SUB 152799, 2428-2430.@No$Sonia B. and Bhatia B.S. (2014).@Cross Selling Strategies and Employees Stress: A Study of Commercial Banks.@Journal of Business Management and Social Science Research, ISSN 2319-5614, 3(9), 15-25.@No$Sarel Dan and Marmorstein Howard (2007).@Customer Relationship in Banking: An Introduction and Strategic Implications.@Journal of Financial Services Marketing, Special Issue Guest Editorial, University of Miami, 12(2), 97-101.@Yes$Les Goldmann (2014).@Banks’ Poor Cross Sell of Superannuation.@copyright 2012 - 2017 of Cuffelinkspty.Ltd.@No$Komal and Rani Vandana (2012).@Progress of Banking in India: Customer’s Perspectives.@Business Intelligence Journal, 5, 28.@Yes$Gautam V. and Kumar M. (2012).@A study on Attitudes of Indian customers towards Insurance, Services.@Management Research and Practices, 4(1), 51-62.@Yes