Volume 9 | Issue 3 |

 Abstract

A country needs money supply for economic activities to be carrying out, trade and commerce to quench demand and supply of goods and services. For such exchanges to continue payments of money and settlements of dues and charges need to be carried out. The better, more convenient and reliable the payment and settlement of a country or an economy is, the better is the economic efficiency of that country. The payment and settlement system comprises of various arrangements that is used to systematically, efficiently and securely transfer money/currency, cheques, demand drafts, and money through various electronic channels. In most countries the Central Bank is generally the regulatory authority and is responsible for development of the National Payment System. In India, Reserve Bank of India is the regulatory authority and is in charge of driving the development of our National Payment and Settlement System. The highest policy making body on payment System in our country is the Board for Regulation and Supervision of Payment and Settlement Systems (BPSS), a sub-committee of RBI and the regulation is done in accordance with the Payment and Settlement Systems Act, 2007 (PSS Act). In the research paper critical issues about e-payment systems are discussed ranging from the preferred mode of payment, mobile payments and security measures used in e-payment systems to cash payments.

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 Keywords

e-payment systems, mode of payment, mobile payments, cash payment, national payments system

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 Abstract

Retail investors are non-professional market participants who generally invest smaller amounts than larger institution investors. Individual investors are less knowledgeable, less disciplined, less skilful, and more attached emotionally then professionals. The investment objective of a mutual fund determines what type of securities the pooled money is invested in. SIP is just a process through which you can contribute small but regular amounts to invest in a mutual fund and build a good corpus over a period of time. There is various form of sip. In this research, we have used questionnaire and ratio comparison because the motto of the research is to find stability builder of retail investors in Systematic Investment Plan. In primary data, data will be collected through Questionnaires. For this research the sample size is 100, in secondary type of data ratio such as Sharper, Treynor and Jensen is used. In this research we have included respondents who do Investments. It is hoped this study will be helpful to get knowledge about sip and will be beneficial for everyone to know how important it is to invest in sip for better investment.

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 Keywords

SIP, Retail investor, Investments, Returns.

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 Abstract

IMPACT OF COVID-19 TO INDIAN FINANCIAL SYSTEM

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IMPACT OF COVID-19 TO INDIAN FINANCIAL SYSTEM

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Haemoglobin, Breath holding capacity, Asanas and Pranayama, Jhargram

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The study was aimed to determine the levels of some toxic heavy metals (Pb, Cd, and Zn) in different traditional cosmetic products sold at local markets of Raipur. The samples were acid digested and elements were analyzed using Atomic Absorption Spectrometer. Each analyzed element was found below the recommended limits of the WHO (1998) only with the exception one kohl sample (sample no SK1) that showed 38.0 mg/kg lead. While most of the samples of henna (sample no SH1-0.47, SH3-0.35, SH4-0.11 and SH5-0.18mg/kg), sindoor (sample no SS2-1.47 and SS4-0.39mg/kg), and kohl (sample no SK1-38.0 and SK3-0.89mg/kg) showed more values of lead than the recommended limits by EU. It is however feared that the continuous use of contaminated cosmetics could result in an increase in some metal levels in the human body beyond acceptable limits and hence cause certain health complications.

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 Keywords

Traditional cosmetics, toxic metals, permissible limit, health effects

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 Abstract

Working capital is known as the life blood of the organizations. The Purpose of this study is to understand efficiency and utilization of working capital in the KAIRA DISTRICT COOPERATIVE MILK PRODUCERS UNION LIMITED .Analyze for three years form 2018-19 to 2019-20.This study is based on the secondary data of the firm. The literature reviles that working capital is directly affects the profitability and liquidity of the firm and this study concludes that working capital is very much effects to the development of the firm.

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 Keywords

ratio analysis, financial status.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Kedarnath, one of the twelve Jyotirlings, is an important Hindu pilgrimage. Kedarnath temple is believed to have been constructed in the 8th century. On 16 June 2013, the Uttarakhand State suffered a mega-disaster. The entire State was hit by very heavy rainfall and flash floods and among the 13 districts Bageshwar, Chamoli, Pithoragarh, Rudraprayag, and Uttarkashi were the worst affected witnessing huge loss of lives, property and infrastructure. The reason for the destruction was claimed to be natural but it was evident that its non-scientific construction is equally responsible for the disaster. This paper aims at revealing the causes of the disaster and the recovery done by the government during and post-disaster.

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Vulnerability Assessment, Torrential Rain, Westerlies, Glacial Lake Outburst Flood, Disaster Recovery and Reconstruction, Ecology

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We human beings still desire to live longer and never want to die, figures of the corresponding life expectancy of males and females in any nation are determined in this modern period, indicating that people die after the age of 85 in a few instances it can even surpass. Many factors are camouflaged behind this such as it gets affected by social, political,cultural, macro and micro systems such as family, community etc, The present paper aims to study the effect of yoga on planets resulting in increasing lifespan. The main objective were (1) to examine whether yoga and gym are distinct or not , (2) to examine yoga connection with celestial body and how it can help an individual to live longer,(3)To scrutinize whether yoga is popular or not. However the study revealed that yoga has a great impact on planets and has covert effects of increasing lifespan.

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Yoga practise, Gym,celestial body, Lifespan

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

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Creative Commons Attribution 4.0 and The Open Definition

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Retention, Recruitment Satisfaction, Job Environment, Job Values

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The work-life balance is a satisfactory degree of participation between the various roles in the life of an individual. Statement of a problem nowadays the freelancers in Malaysia are facing issues with their job satisfaction which relate to their work-life balance due to issues that poses a great risk to the well-being of workers, their success, efficiency and productivity within freelancer organisation. Employees of many freelancers in Malaysia are having trouble trying to align overload work obligations with their social lives. On the other hand, employee compensation and inability to achieve that can result in low job satisfaction for most adults are the most significant areas of life. The study objectives the correlation of work-life balance and overload of work was determined in Malaysia with the satisfaction of the work of freelancer workers and the correlation between work-life balance and working hours for job satisfaction among freelancers. Furthermore, the association between work-life balance and employee reward for freelancers in Malaysia is determined. As approach descriptive statistics, including compilation and review methods and procedures, were used (receive and process data), through studies design, populations, sampling framework, methods, and investigation tools, ethical considerations, processing of data, data quality management and analysis.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Work-life-balance, Work overload, Working hour, Employee reward, Job satisfaction, freelancer.

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Creative Commons Attribution 4.0 and The Open Definition