Admission for 2021-23 Batch Started.

  • Bhubaneswar-751 002

  • 09:00 AM To 06:00 PM

  • +91-8118095580 / 81 /82

Enquiry

Pratibimba: January-June 2020

TITLE

The effect of Education on Dimensions of Service Quality Perception of Life Assurance Services

AUTHORS

Dr. Pradeep Bhatt1, Dr. Digamber Singh Negi2, Dr. Uttam Rao Jagtap3

ABSTRACT

For more than a decade service quality has been the cornerstone in differentiating the firm’s service offerings from its competitors. The existing literature is replete with the definitions of Service Quality and various models have been proposed explaining the concept. The present study is an effort to measure the effect of education level of customers on the various dimensions of Service Quality perception as defined in the study. The data for the same was collected from the respondents of four districts namely, Indore, Dewas, Ujjain and Ratlam.After applying ANOVA the results depicted that there was education wise significant difference observed in customers’ perception towards information and service delivery, value for premium and accessibility, competence and ethical excellence, and credibility dimension of life assurance services where as there was education wise no significant difference observed in customers’ perception towards physical excellence, and customer feedback dimension of life assurance services.

Keywords: Education, Service Quality Perception, Life Assurance services, ANOVA, Customer Satisfaction, Perceived Quality.


1 Assistant Professor, Shri Vaishnav Institute of Management, Gumasta Nagar, Indore - 452009, e-mail : [email protected]

2 Associate Professor, Shri Vaishnav Institute of Management, Gumasta Nagar, Indore - 452009, e-mail : [email protected]

3 Associate Professor, Shri Vaishnav Institute of Management, Gumasta Nagar, Indore - 452009, e-mail : [email protected]

For full text kindly

TITLE

Analysis of Relationship Between Credit Risk and Profitability of Selected Microfinance Institutions in Ethiopia

AUTHORS

Dr. D. Guruswamy1, Mr. Abdurkerim Hedo2

ABSTRACT

The objective of the study is to analyze the relationship between credit risk and profitability of selected microfinance institutions in Ethiopia; Explanatory research design was used for the study. The total population under the study was all microfinance institutions in Ethiopia. Among those sixteen microfinance institutions were selected using purposive sampling method. For analysis purpose ten years data from 2007 to 2016 were used. The study was based on secondary data with quantitative data type. The researcher used descriptive, correlation and regression analysis with the help of Eviews-9 statistical software. The balanced fixed effects panel regression model was used to measure and estimate the causal relationships between dependent and explanatory variables. In order to determine the relationship between credit risk and profitability of selected microfinance institutions, the researcher used ROAROAROA (Return on Asset) as dependent variable and PARAR>90days (Portfolio at Risk more than 90 days), WOR (Write-off Ratio), LLR (Loan Loss Ratio), and RCR (Risk Coverage Ratio) as independent variables and MFI’s age (log of year) as control variables. From the fixed regression model: WOR, LLR and RCR have statistically significant and negative impact on profitability of selected MFIs in Ethiopia. In contrary, age of MFIs has statistically positive and significant impact on profitability of selected MFIs in Ethiopia. Portfolio at risk>90 days have statistically insignificant impact on profitability selected MFIs in Ethiopia. Finally, the researcher recommends that MFIs that are keen on making high profits should concentrate on WOR, LLR and RCR.

Keywords: Credit risk, profitability, Microfinance institutions, fixed effect model.


1Associate Professor, Department of Accounting & Finance, College of Business & Economics, Arsi University, Asella, Ethiopia, [email protected].

2Lecturer, Department of Accounting & Finance, College of Business & Economics, Arsi University, Asella, Ethiopia, [email protected]

For full text kindly

TITLE

Online Food Ordering among University goers in Odisha : A study of Consumer Perception

AUTHORS

Dr. Chinmaya Kumar Dash1, Dr. Prabhuram Tripathy2

ABSTRACT

Consumers are now be able to buy products and ventures for all purposes anywhere, 24 hours daily, 7 days and without location and fleeting limits. The mobile application has made all traditional modes of business outdated and generated amazing new possibilities in business to make reach to customer. Mobile application is a combination of marketing acumen and technology to sell services and goods. Today, more people are getting connected through mobile application and they are ready to do business through it. Companies have changed their traditional business strategies into online marketing to suit customer needs and taste at any time any place. And should incorporates information quality of the app, payment system and design of the app, customer services, customer satisfaction and the quality of food. This research paper aims to discuss the customer’s perception towards the online food ordering. The survey was conducted for a purposeful analysis of the study on around 300 respondents from university students of Odisha, India. The research is focused on the study and analysis of data collected from all those users who are already using the online food delivery services. The purpose is to know what are their perceptions, needs, positioning of various attributes of different online portals in their mind and loyality towards online food services.

Keywords: Online Food Ordering, customer perception, customer preferences, mobile applications. payment system, Loyalty


1 School of Management, Adamas University, Kolkota

2 Faculty of Commerce & Management, Sri Sri University, Cuttack

For full text kindly

TITLE

Attributes Important for International Students for Selection of Universities in India - A Conjoint Analysis

AUTHORS

Dr. Sakshi Vashisht 1, Ms. Nidhi 2

ABSTRACT

The present study surveyed the university choice of international students. Conjoint analysis was used to examine the factors that influence selection of a university. Results of the study indicate that course reputation, cost and university reputation were the most important determinants of university preference. The paper will be useful for the institutions who want to serve to the needs of international students. It will be useful for managers of the institutions developing programs and marketing strategies.

Keywords: University preference, international students, conjoint analysis, students university preference


1 Assistant Professor in ICFAI University, Baddi (HP), Email: [email protected]

2 Assistant Professor in Maharishi Markandeshwar Institute of Management, Mullana, Ambala (Haryana)

For full text kindly

TITLE

Preferences and Changing needs of Business Travelers: An empirical study of Online Travel Portals in India

AUTHORS

Dr. Soumendra Kumar Patra1, Dr. Durga Madhab Mahapatra 2

ABSTRACT

With the wide adoption of e-commerce in travel and tourism industry, the Internet has become an important travel service delivery channel. Technology is the life blood of the online travel business. Over last two years, mobile has proved to be the biggest game changer. The possibilities and scalability of business are faster with cloud. Further, the Indian online hotel industry is to be $1.8 bn by 2016 from the current year 2015 $ 0.8 billion. India is among the top five traffic sources for Trip Advisor globally. These are early days for online booking in India. India’s biggest online travel firms are seeking to dominate hotel bookings as the industry ventures beyond low-margin airline ticketing. This paper reports on a survey conducted to explore the Indian consumer’s current usage of the Internet as the channel to search travel information and to book travel services. It also investigates customer’s future intentions on using the Internet to book travel services. This paper aims to examine whether there are difference between different consumer segments in terms of gender and age, and to find the hypothesis of disintermediation or intermediation in travel industry. The results indicates that online travel service delivery has grown as a popular direct distribution channel in travel industry, but more of the customers still turn to the traditional travel agencies, which support both the disintermediation and intermediation in travel industry. The results also reveal that online travel services provided by travel service providers still need to be improved since the number of online bookers is declined. This paper concludes by discussing the limitation of this study and highlighting areas for the future research in online travel service field.

Keywords: e-Travel, Preference, Changing needs, Booking, Business.


1 Sr. Assistant Professor (QT & Decision Science), Ravenshaw University, Cuttack, E-mail : [email protected]

2 Lecturer in Commerce, P.G. Department of Commerce, Fakir Mohan Autonomous College, Balasore, Odisha, [email protected]

For full text kindly

TITLE

Impact of Demographic Contours on E-Buying Behaviour of Consumer :A Pragmatic Study

AUTHORS

Indrajit Ghosal1Dr. Pranay Kumar Roy Barman2

ABSTRACT

India has taken a step in online shopping or e-shopping through the expansion of information and communication technology (ICT). There is a huge opportunity for e-shopping due to rapid changes in ingesting pattern, customer preferences, product needs, technology up-gradation. E-commerce has made a booming arcade in the world.It has been veryeasier to get the productsjusta mouse click. Adequately of e-companieshave come up with customized products and able to transacteasier way than before.Though Internet shopping provides various benefits like flexibility of shopping time, wide variety of choices and others facilities but again a large section of Indian population is still reluctant to adopt it and compared to foreign nations. The reason behind these can be attributed to unique socio economic situation in India.In this investigation researchers have chosen the study area North 24 Parganas district under West Bengal where most of the communityresiding in outskirt of the city. In the current research an effort have been made to analyze the perception about factors which influences on online products, and what explanatory factors are influencing to the consumer fortheir buying attitude. For this exploration 100 samples were collected through survey and statistical tool ANOANOANOVA have been applied to see the association and buying behaviour of the consumer with respect to their demographic variables and explanatory factors extracted from Rotated Component Matrix .This Study will positivelyflourish diverse variables and their side by sideimpact on the consumers in North 24 Parganasdistrict toonline shopping.

Keywords: Customer preferences, impact of Explanatory component, consumer intention, online shopping, marketing strategy, DSS.


1 Asst. Professor, Dept: Amity Institute of Information Technology, Amity University, Patna, E-mail :[email protected]

2Professor, School of Management, Seacom Skills University, Birbhum (WB), E-mail : [email protected]

For full text kindly