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ISSN No. 0975-7708 SAMIKSHA The Research Journal of United Institute of Management, Allahabad, U.P., India Volume VI No. 1 & 2 Jan - Dec 2015 Regulatory Developments and Its impact on Securitisation Market in India Ajeet Kumar Maurya Conceptual Model of Social Media Governance: Promoting Good Governance Shraddha Bhadauria Water Management in Indian Agriculture: Issues and Strategies Dr. V. Basil Hans After Sale Services: An Important Aspect in Two Wheeler Automobile Industry Mohd. Nasir Influence of Technical Parameter on Preference of Potential Customers towards Compact SUV Dr. S.S. Jasial Stress in Today’s World Dr. Arpita Mishra, Manisha Agarwal & Vikas Malhotra Measuring and Understanding Consumer-based Brand Equity of Ready to Eat Products: A Study with Reference to Oats Dr. M. Vasan Improving Security in VANET through the Position Verification of Alert Message Ajay Kumar Yadav & Brijesh Kumar Bhardwaj E-retailing: Challenges and Opportunities in India Dr. Vandana Pandey, Pankaj Kumar Tripathi & Dr. Mohd Anam Akhtar Rural education in India (A Contextual Commentary) Mohit Kumar & Rohit Kumar Vishwakarma Discrete Overview on Public Sector Undertakings: Growth of PSUs Under the benefits of better Human Resource Mudita Gupta & Dr. Devendra Prasad Pandey A Study on Initiatives, Achievements and Progress of Financial Inclusion in India Prakash Kundnani The Theoretical Underpinnings of Store Loyalty: A Perspective Dr. Manoj Kumar Srivastava Evolving Dynamics of Social Media in Indian Political Paradigm Amit Kumar, Prof. (Dr.) Somesh Dhamija & Dr. Aruna Dhamija Bi – Annual Journal United Institute of Management Allahabad SAMIKSHA Volume VI, No. 1 & 2, Jan - Dec 2015 United Institute of Management, Allahabad Copyright © UIM, Allahabad Bi – Annual Journal CHIEF PATRON Mr. Girdhar Gopal Gulati Chairman United Group of Institutions PATRON EDITOR-IN-CHIEF Dr. Jagdish Gulati Prof. K.K Malviya President Principal United Group of Institutions UIM, Allahabad REVIEW EDITOR CONSULTING EDITOR Mr. Vikas Mehrotra Dr. Manu Johari Asst. Professor, Dept. of MBA Associate Professor, Dept. of MBA UIM, Allahabad UIM, Allahabad EXECUTIVE EDITOR MANAGING EDITOR Dr. Manmohan Mishra Mr. Rohit Kumar Vishwakarma Asst. Professor, Dept. of MBA Asst. Professor, Dept. of MBA UIM, Allahabad UIM, Allahabad EDITORIAL ADVISORY BOARD Prof. S.K. Singh Prof. Suneel K. Maheshwari Head & Dean, FMS, Marshall University, BHU Huntington, West Virginia Prof. A. Sahay Dr. Mahesh Kumar Singh Professor of Eminence Professor, Szent Istvan University, BIMTECH, Greater Noida Hungary Prof. K.M. Sharma Prof. A.K. Tripathi Former Director, MONIRBA Professor, Computer Science University of Allahabad Institute of Technology, BHU Prof. Geetika Mr. Gaurav Gulati Head, SMS Vice-President, MNNIT, Allahabad UGI Allahabad Journal of UIM Allahabad is published bi-annually. All edition correspondence and article for publication should be addressed to the Editor Samiksha at United Institute of Management, UPSIDC Industrial Area, Naini Allahabad U.P. Views expressed in the article are those of the respective authors. Neither Journal (Samiksha) of UIM Naini nor the Institute can accept any responsibility for, nor do they necessarily agree with the view expressed in the articles. All the copyrights are respected. Every effort is made to acknowledge source material relied upon or referred to, but ‘UIM’ does not accept any responsibility for any inadvertent omissions. Except as authorized, no part of the material published in The Journal ‘Samiksha’ may be reproduced, or stored in retrieval systems, or used for commercial or other purposes. All the Rights are reserved. Printed and Published by Dr. Jagdish Gulati on behalf of the United Institute of Management, UPSIDC Industrial Area, Naini, Allahabad (U.P.) India. Printed by Shantanu Publishers, Mumfordganj, Allahabad, 211002. Email: [email protected], [email protected] Editor: Prof. K.K. Malviya SAMIKSHA Journal of UIM, Allahabad From the Editorial Board nited Institute of Management is proud to announce the publication of the Vol. VI No. 1 of the ‘Samiksha’- A bi annual Management Journal. ‘Samiksha’ provides a glimpse Uinto a few of the many high quality research activities carried out by the talented authors. The journal is a compilation of outstanding papers from numerous disciplines submitted by various professors, industrialists and research scholars who have been involved in various research including scholarly and creative activities. The journal Samiksha is dedicated to the rapid dissemination of high quality research papers on how advances in various fields of management and technology can help us meet the challenges of the 21st century, and to capitalize on the promises ahead. ‘Samiksha’ provides an ideal forum for exchange of information of various areas including management, economics, information technology etc. and many more in the form of research papers, survey papers, work-in-progress reports on promising developments, case studies / best practice articles written by industry experts, and technological breakthrough. We welcome contributions that can demonstrate near-term practical usefulness, particularly contributions that take a multidisciplinary and convergent approach so that the many real world complex problems can be solved. There are also on-going issues, such as demographic changes (population aging, internal migration and rapid urbanization), management of resources, and environment issues like the current debate about climate change. Joining the ideas of IT practitioners along with researchers in the field of management, the journal is intended to seek ways to harness the power of technology to meet some of these real world challenges, and to provide substance for making informed judgments on important matters. As for the promises that lay ahead, management along with IT along has already become an integral part of everyday life. From commerce to government functioning areas of scientific discovery, healthcare, education and entertainment; IT is indispensable and will continue to fuel further advances in all facets of human endeavours. Finally, we would like to thank all the contributing authors for providing such a rich variety of outstanding research articles on a broad range of exciting topics. We wish to encourage more contributions from the academia and industry practitioners in the future to ensure a continued relevance. Contribution from the reviewers and guest editors would always be welcome for their comments and suggestions that could improve the quality of our journal. Prof. K. K. Malviya Editor-in-Chief SAMIKSHA Volume VI, No. 1 & 2, Jan - Dec 2015 Contents Regulatory Developments and Its impact on Securitisation Market in India 01 Ajeet Kumar Maurya Conceptual Model of Social Media Governance: Promoting Good Governance 07 Shraddha Bhadauria Water Management in Indian Agriculture: Issues and Strategies 15 Dr. V. Basil Hans After Sale Services: An Important Aspect in Two Wheeler Automobile Industry 20 Mohd. Nasir Influence of Technical Parameter on Preference of Potential Customers towards Compact SUV 26 Dr. S.S. Jasial Stress in Today’s World 32 Dr. Arpita Mishra, Manisha Agarwal & Vikas Malhotra Measuring and Understanding Consumer-based Brand Equity of Ready to Eat Products: A Study with Reference to Oats 40 Dr. M. Vasan Improving Security in VANET through the Position Verification of Alert Message 49 Ajay Kumar Yadav & Brijesh Kumar Bhardwaj E-retailing: Challenges and Opportunities in India 60 Dr. Vandana Pandey, Pankaj Kumar Tripathi & Dr. Mohd Anam Akhtar Rural education in India (A Contextual Commentary) 66 Mohit Kumar & Rohit Kumar Vishwakarma Discrete Overview on Public Sector Undertakings: Growth of PSUs Under the benefits of better Human Resource 70 Mudita Gupta & Dr. Devendra Prasad Pandey A Study on Initiatives, Achievements and Progress of Financial Inclusion in India 73 Prakash Kundnani The Theoretical Underpinnings of Store Loyalty: A Perspective 84 Dr. Manoj Kumar Srivastava Evolving Dynamics of Social Media in Indian Political Paradigm 90 Amit Kumar, Prof. (Dr.) Somesh Dhamija & Dr. Aruna Dhamija Regulatory Developments and Its impact on Securitisation Market in India Ajeet Kumar Maurya* ABSTRACT Securitisation is a process which converts an asset/a loan into a security to transact in a financial market. The securitisation provides many benefits to investors i.e. it helps to reduce the cost of borrowing, to decrease capital requirements, to maintain liquidity, portfolio diversification etc. RBI and SEBI are the major governing bodies which keep their eyes to regulate the securitisation market and save the interest of the issuers and investors. The objective of this paper is to discuss the regulatory changes and developments in recent years and their impact on securitisation market in India. The paper observes that there have been many ups and downs in Indian securitisation market which felt many regulatory changes from time to time. Consequently, the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act, 2002 (SARFAESI Act 2002) came into existence. RBI issued different guidelines on Securitisation and Direct Assignment Transactions of May 2012 and August 2012 as well as on Lending to Priority Sector in July 2012 and October 2012. Union Budget 2013-14 announced to exempt the income received through a securitization trust from income tax. Keywords: Securitisation, Assets Backed Securities, Mortgage Backed Securities, Originator,
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  • Centre Bifurcates J&K Into 2

    Centre Bifurcates J&K Into 2

    Follow us on: RNI No. APENG/2018/764698 @TheDailyPioneer facebook.com/dailypioneer Established 1864 Published From ANALYSIS 7 VISAKHAPATNAM 9 SPORTS 12 VIJAYAWADA DELHI LUCKNOW DNA DATABASE TAX A DEADLIER AUSSIES DOWN ENGLAND BHOPAL RAIPUR CHANDIGARH AND FORENSICS TERROR FOR ENTREPRENEURS IN ASHES OPENER RANCHI BHUBANESWAR DEHRADUN HYDERABAD *Late City Vol. 1 Issue 281 VIJAYAWADA, TUESDAY AUGUST 6, 2019; PAGES 12 `3 *Air Surcharge Extra if Applicable BELLAMKONDA SURESH TO LAUNCH HIS SON IN B’WOOD { Page 10 } www.dailypioneer.com NARENDRA MODI FULFILS HIS PROMISE TO THE NATION ARTICLE 370 REVOKED SCRAPPING BEFORE NOW Centre bifurcates J&K into 2 UTs Special powers No special exercised by J&K powers now PNS n NEW DELHI Dual citizenship Single citizenship The government on Monday Separate flag for Tricolour will be the revoked Article 370 which Jammu & Kashmir only flag gave special status to Jammu and Kashmir and proposed Article 360 (Financial Emergency) Article 360 that the state be bifurcated into not applicable applicable two union territories, Jammu No reservation for minorities Minorites will be eligible and Kashmir and Ladakh, such as Hindus and Sikhs for 16% reservation provoking outrage from the NC and PDP and triumph Indian citizens from other People from other States from leaders of India's rul- States cannot buy land or will now be able to purchase ing BJP. Meeting a long-held property in J&K land or property in J&K promise of the BJP, Union RTI not applicable RTI will be applicable Home Minister Amit Shah The president on the recommendation moved a resolution in the Duration of Legislative Assembly duration in Union of Parliament is pleased to declare as Assembly for 6 years Territory of J&K will be for Rajya Sabha that Article 370, which allowed Jammu of 5th of August 2019, all clauses of the 5 years and Kashmir to have its own said Article 370 shall cease to be If a woman from J&K marries If a woman from J&K Constitution, will no longer be operative..