Volume 12 | Issue 8 |

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Andhradesa as one of the regional hubs of the vast net - work of international commerce must have experienced a great amount of material prosperity, herself having accomplished production of merchandise so as to actively participate in it. As such, the Roman connection is increasingly seen as a powerful factor in the urbanization of ports of Peninsular India in the early historic period (S.J. Keay, 1996 - 97). In spite of the subject having been studied by so many eminent scholars and distinguished archaeologists, whose works will be briefly reviewed in the following section as to have set the model for the present study, the subject promises opportunities for studies afresh.

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TRADE AND COMMERCE IN ANDHRA (SATAVAHANAS TO GOLCONDA DYNASTY) ECONOMIC CONDITIONS

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Financial system plays an important role in the economic development of the country, it encourages both savings and investment, it helps in mobilizing and allocating one's savings it facilitates the expansion of financial intuitions and markets .This paper presents the Schemes launched under the Financial Inclusion in India, an overview on progress and achievement of Pradhan Mantri Jan Dhan Yojana scheme to reach the target people, the relavant data is collected for this study from various articles and financial reports.

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Financial Inclusion, Economic Development

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Micro Small and Medium Enterprises (MSMEs) are an important part of the Indian economy it is one of the most powerful drivers of economic development, innovation and employment. Access to finance is it is often seen as a significant barrier to MSME growth. Creating opportunities for MSMEs in emerging markets. Markets are an important way to promote economic development and reduce poverty.

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A STUDY ON FINANCE AND CREDIT FLOW TO RURAL MSMEs IN INDIAN ECONOMY

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Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in insurance, pension, finance, investment and other industries and professions. More generally, actuaries apply rigorous mathematics to model matters of uncertainty and life expectancy. Actuaries are professionals trained in this discipline. In many countries, actuaries must demonstrate their competence by passing a series of rigorous professional examinations focused in fields such as probability and predictive analysis. Actuarial science includes a number of interrelated subjects, including mathematics, probability theory, statistics, finance, economics, financial accounting and computer science. Historically, actuarial science used deterministic models in the construction of tables and premiums. The science has gone through revolutionary changes since the 1980s due to the proliferation of high speed computers and the union of stochastic actuarial models with modern financial theory.[1] Many universities have undergraduate and graduate degree programs in actuarial science. In 2010, a study published by job search website Career Cast ranked actuary as the job in the United States.[2] The study used five key criteria to rank jobs: environment, income, employment outlook, physical demands, and stress. In 2023, U.S. News & World Report ranked actuary as the eighth-best job in the business sector and the 13th-best job in STEM

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Insurance and Actuarial science

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Women Self-Help Groups (SHGs) in Andhra Pradesh have emerged as a significant socio-economic phenomenon, playing a crucial role in empowering women and fostering community development. This paper explores the evolution, impact, and challenges faced by SHGs in the state. Initially promoted as a poverty alleviation strategy, SHGs in Andhra Pradesh have expanded their scope to include various development initiatives such as microfinance, entrepreneurship, and social welfare programs. The SHG movement gained momentum with government support through targeted policies and funding, leading to the formation of a vast network of women-centric groups across the state. The impact of SHGs has been profound, particularly in enhancing women's economic independence, decision-making capabilities, and social standing within their communities. By providing access to financial services, skill development training, and collective bargaining power, SHGs have enabled women to start small businesses, increase household incomes, and improve overall living standards. However, the sustainability of SHGs faces challenges such as financial viability, leadership capacity, and integration with formal financial institutions. Issues like political interference, bureaucratic hurdles, and fluctuating market conditions also impact the effectiveness of SHG initiatives. This abstract underscores the transformative potential of SHGs in Andhra Pradesh while highlighting the need for continued policy support and innovative strategies to address existing challenges and ensure sustained empowerment of women through these groups.

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Empowerment, Microfinance, Skill Development, Entrepreneurship, Government Support.

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Robo banking is a revolutionary and technological advancement has disrupted the traditional banking landscape in India. This article reconnoiters the concept of robo banking, its impact on the financial services industry, and its potential implications for customers and the banking sector. The study reviews existing literature on robo banking, its benefits, challenges, and regulatory framework. The discussion delves into how robo banking has improved customer experience, enhanced financial inclusion, and increased operational efficiency. The article concludes with an analysis of the future prospects of robo banking in India and its role in shaping the banking sector.

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The Growth of Robo-Advice in Banking Services

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The world of finance is changingfastbecauseoftechnology.Fintechcompaniesareleadingthewayby bringingfresh ideaslikepeer-to-peerlending,mobilepayments,&robo-advisors.Thishasmadebanksandothertraditionalplayers rethink how they operate. New tools like blockchain and artificial intelligence are making transactions quicker, safer, & letting people get personalized financial help. This paper looks into cool ways to include more people in financial services, improve how customers feel about their experiences, and boost how efficiently things run. It also talks about smart methods for using these new tools. For example, partnering with fintech companies, going through digital changes, and having strong cybersecurity plans are super important. Through real-life examples, we can see how some banks have successfully integrated these high-tech solutions. Looking ahead, decentralized finance(known as DeFi) & quantum computing are set to make big waves in the industry. If financial institutions want to thrive and stay on top of their game, they need to keep an eye on these trends. Long-term success depends on it

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Emerging Opportunities in the Financial Services Sector

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The paper study is based on primary data. The primary data is collected with the help of a pre-tested questionnaire. Kanteru village of Guntur district is selected for the present study. 100 sample villagers are selected for the study from different social categories, viz., OC, BC, SC and ST in proportion with their population in the village. The data are collected with the help of the structured questionnaire. Stratified random sampling technique is adopted for the study. Simple statistical tools such as percentages are used. Substantial part of the paper is based on tabular analysis. The paper concluded that highest percentage of the respondents aware about self help groups through the already joined members of the self help groups. Majority of the respondents have joined the self help groups for getting loan to purchase livestock etc. Majority of the respondents have joined the self help groups during 2018-2019. More than half of the respondents stated that their husbands are encouraging them to join in the SHGs. Highest percentage of the respondents stated that their family members are discouraging them towards joining and functioning in the self help groups. Most of the respondents stated that it is a time consuming process. Highest percentage of the respondents stated that functioning of the officials connected with SHGs is good. Highest percentage of the respondents stated that the training imparted is not sufficient to learn the skills effectively. Majority of the respondents have given an amount ranging between Rs.10, 000/- and Rs.20, 000/-. Majority of the respondents are repaying the loan amount within 10 months. Most of the respondents stated that there is an improvement in awareness about various things after joining in the self help groups. Largest percentage of the respondents stated that relations with the society have been improved after joining in the self help groups. Highest percentage of the respondents stated that they are not getting regular income through self help groups. Most of the respondents stated that they are both socially and economically developed. Majority of the respondents stated that there is substantial upward change in income generation after joining in the self help groups.

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Women Empowerment through Self Help Groups (A micro level study of Kanteru Village in Guntur District)

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Money Laundering is the illegal process of making large amounts of money generated by criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source. The money from the criminal activity is considered dirty, and the process "launders" it to make it look clean.Online banking and crypto currencies are the main forms of money laundering in the world. In this article we discuss about the main features of money laundering, how it works, variants of money laundering and effects of money laundering on the economy.

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MONEY LAUNDERING

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The advent of digital currency marks a pivotal transformation in the global financial landscape. Among these digital currencies, the e-Rupee stands out as a significant innovation, particularly within the context of India's robust and evolving economy. The e-Rupee, a digital version of the Indian Rupee, symbolizes the country's strides towards a more digitized and efficient financial system. This seminar aims to provide an exhaustive analysis of the e-Rupee, covering its background, technological underpinnings, economic implications, regulatory framework, and future prospects. The need for digital currencies arises from the desire for more efficient, transparent, and accessible financial systems. Traditional currencies, despite their widespread use, come with limitations such as high transaction costs, delayed processing times, and the risks of physical theft and loss. Digital currencies, including the e-Rupee, promise to mitigate these issues while bringing additional benefits like enhanced security and greater financial inclusion.

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E-Rupee: The Evolution of Currency

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