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Management Convergence (An International Journal of Management) Vol Vol - 3 Issue - 2, June, 2012 Peer-reviewed Journali ISSN No. 0976-5492 Management Convergence (An International Journal of Management) Vol. - 10 No - 2 June-2019 Financial Literacy among College Teachers in Aizawl: A Case Study of Pachhunga University College Lalrindika Sailo & Bhartendu Singh A Study of Empolyees Job Satisfaction in Secunderabad Railway Divsion Mohammad Azmat Ali Empirics of Foreign Direct and Portfolio Investments in India P. K. Mishra & S. K. Mishra Impact of External Factors on Performance Appraisal System : A Comparative Study of Cement Companies in India R. K. Tailor Market efficiency and inefficiency: an overview on the Adaptive Market Hypothesis Nang Biak Sing & Rajkumar Giridhari Singh A Study on the Role of MUDRA Bank in Promoting Entrepreneurs in North East India Happyson Gachuiwo & A.S. Yarso Occupational Pattern and Socio-Economic Condition of Dimasa Tribe of Dima Hasao District of Assam in the post liberalisation Period Ayekpam Ibemcha Chanu DEPARTMENT OF MANAGEMENT Mizoram University Aizawl, Mizoram India EDITORIAL BOARD Prof. K. R. S. Sambasiva Rao Vice Chancellor, Mizoram University Chief Patron Prof. R. P. Vadhera Pro-Vice Chancellor Patron Prof. Elangbam Nixon Singh Department of Management, Mizoram University Editor –in- Chief EDITORIAL BOARD Prof. L.S. Sharma, Department of Management, Mizoram University Dr. Amit Kumar Singh, Department of Management, Mizoram University Dr. Bidhukanti Das, Deptt. of Management, Mizoram University Dr. R. K. Giridhari Singh, Department of Management, Mizoram University Dr. Lalropuii, Department of Management, Mizoram University Dr. K. Lalromawia, Department of Management, Mizoram University Dr. Lalhmingliana Renthlei, Department of Management, Mizoram University Dr. Biswajit Ghose, Department of Management, Mizoram University Advisors Prof. AlinaHyz, Department head, Department of Accounting, Technological Educational Institute of Epirus, Preveza, Greece. Prof. Maria Parlinska, Head. Chair of Quantitative Methods, Faculty of Economics Sciences, Warsaw University of Life Sciences, Poland. Prof. Konstantin Laswsithiotakis, Vice Rector, and Executive Director, School of Technology and Business, VIA University. Dr. Valerie Pricilla Goby, Professor, College of Business Sciences, Zyad University, Dubai. Dr.Josepj A. Kimeme, Dean, Faculty of Commerce, Mzumbe University, Mzumbe, Tanzania. Prof. Hiromasa Tanaka, School of Humanities & Social Sciences, Meisei University, Japan. Prof. Sameer Verma, Director, Centre for Business Solution, SanFrancisco State University, U. S.A. Prof. Pankaj Kumar, Indian Institue of Management, Lucknow, Uttar Pradesh. Prof. Arnab K. Laha, Indian Institute of Management, Ahmedabad, Gujarat. Prof. Hariharan, Department of Management Studies, Pondicherry University, Puducherry. Prof. S. K. Singh, Vice-Chancellor, Lalit Narayan Mithila University, Kameshwaranagar, Darbhanga, Bihar. Prof. A. K. Das Mohapatra, Department of Business Administration, Shambalpur University,Orissa. Prof. Gautam Dutta, Indian Institute of Foreign Trade, Kolkata. Prof. NVR Jyoti Kumar, Dean, School of Economics, Management and Information Sciences, Mizoram University, Aizawl, Mizoram Prof. Lianzela, Department of Economics, Mizoram University, Aizawl, Mizoram. Prof. G.P. Prasain, Department of Commerce, Manipur University, Canchipur, Imphal, Manipur Prof. S.S. Sarkar, Department of Business Administration, Tezpur University, Tezpur, Assam Peer-reviewed Journal ISSN No. 0976-5492 MANAGEMENT CONVERGENCE (An International Journal of Management) Vol. - 10 No - 2 June-2019 Contents Financial Literacy among College Teachers in Aizawl: A Case Study of Pachhunga University College Lalrindika Sailo & Bhartendu Singh ----------------------------------------------------- 1 A Study of Empolyees Job Satisfaction in Secunderabad Railway Divsion Mohammad Azmat Ali ----------------------------------------------------- 11 Empirics of Foreign Direct and Portfolio Investments in India P. K. Mishra & S. K. Mishra ----------------------------------------------------- 15 Impact of External Factors on Performance Appraisal System : A Comparative Study of Cement Companies in India R. K. Tailor ----------------------------------------------------- 24 Market efficiency and inefficiency: an overview on the Adaptive Market Hypothesis Nang Biak Sing & Rajkumar Giridhari Singh ----------------------------------------------------- 31 A Study on the Role of MUDRA Bank in Promoting Entrepreneurs in North East India Happyson Gachuiwo & A.S. Yarso ----------------------------------------------------- 39 Occupational Pattern and Socio-Economic Condition of Dimasa Tribe of Dima Hasao District of Assam in the post liberalisation Period Ayekpam Ibemcha Chanu ----------------------------------------------------- 50 Management Convergence is an International Journal of Management, published by the Department of Management, Mizoram University. It is an outcome of the long cherished desire and concerted efforts of the faculty members of the department. Since the day of its inception, this department has been continuously making efforts and streamlining various academic activities in order to place the Department on the map of quality and excellence in management education. The publication of the journal, “Management Convergence” is by all estimates a feather on its cap. The primary objective of bringing out this journal is to provide a vibrant platform to the scholars, researchers, academicians, practicing managers and policy makers to disseminate knowledge about innovative and latest research in different areas of the management and also share their own expertise and experiences through it. Further, it aims at bringing out best management practices, which will help corporate managers in taking up the new global challenges effectively. The journal “Management Convergence”, is a bi-annual referred online journal published by the Department of Management, Mizoram University, Aizawl, Mizoram, India. The journal is owned by the Department of Management, Mizoram University, Aizawl, Mizoram, India. For any communication, please contact to the Editor-in-Chief Management Convergence Department of Management Mizoram University Tanhril, Aizawl, Mizoram India-796004 [email protected] Phone-0389- 2330710 Fax- 0389-2330710 No part of any article / paper published in this journal can be reproduced/ printed without the permission of the Editor-in-Chief, Management Convergence. The views and opinions presented in any of the research papers/ articles published in this journal are solely the contributor’s and not to be construed as those of the editors and publishers. The Journal/ Department of Management/ Editors shall not be held liable for the presented opinions, inadequacy of information, any errors or inaccuracies. The territorial jurisdiction for all the disputes shall be Aizawl, Mizoram, India. © Department of Management, Mizoram University, Aizawl. Vol. - 10 No. - 2, June-2019 1 (Peer-reviewed Journal) Financial Literacy among College Teachers in Aizawl: A Case Study of Pachhunga University College Lalrindika Sailo* Bhartendu Singh** Abstract Financial Literacy a intermingle of awareness, knowledge, skill, attitude and behavior essential to make informed and sound financial decisions and ultimately achieving individual financial welfare. The main objective of the study is to assess the level of financial literacy among college teachers in Aizawl city. Teachers have been selected as the respondents because society as a whole expects teachers to possess diverse and deep knowledge, which is particularly important as they train future workforce of the nation. The study is based on primary data. The study found that the respondents have knowledge relating to Low Risks Investment Avenues which are the basic financial instruments offered by the banks and insurance companies. It is found that the knowledge keeps on decreasing as the risks involved in it becomes higher. Key words: Financial literacy, teacher Introduction Financial literacy has become important in recent years. Peoples are more concerned about what lies ahead in their future. Since, the introduction of many new financial instruments in recent years, financial market is becoming more complex. Due to this fact, the needs for informed choices about risks and rewards of different alternatives available in the market are essential. A number of programs for spreading the importance of financial education and uplifting financial literacy rate have been conducted through a number of funding agencies. Organization for Economic Co-operation and Development (OECD) has defined Financial Literacy as “a combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve individual well-being”. According to RBI, Financial literacy can broadly be defined as “Providing familiarity with and understanding of financial market products, especially rewards and risks, in order making informed choices”. Nowadays, many financial instruments are available in the market not just for the regular investors but also for the occasional investors. In fact, the more the instruments in the market the more is the knowledge needed by the investors to minimize risks and increase rewards. In developed countries financial literacy implications act as a consumer protection act to the whole society, ensuring the capability to navigate the right combination. But, in developing countries the implications are rather
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