INTERNATIONAL JOURNAL OF MANAGEMENT (A Peer-Reviewed-Refereed/Scholarly Quarterly Journal Globally Indexed with Impact Factor)

Vol. 5 Special Issue 2 April, 2018 Impact Factor: 3.122 ISSN: 2321- 4643 UGC Approval No: 44278

2nd International Conference on

“CURRENT STRATEGIES AND INNOVATIVE PRACTICES OF BUSINESS AND BANKS IN THE DIGITAL EPOCH”

17th February 2018

Organized by Department of B.Com – Bank Management & Department of Business Administration (CA)

ST. JOSEPH’S COLLEGE OF ARTS AND SCIENCE (AUTONOMOUS) A Christian Minority Institution| Affiliated to Thiruvalluvar University, Vellore. Re-Accredited by NAAC with “A” Grade (3rd Cycle) Recognised u/s 2 (f) & 12 (B) of UGC Act 1956 Manjakuppam, Cuddalore – 607 001, Tamil Nadu, India

EDITORIAL BOARD MEMBERS

Dr.V.Sundar Associate Professor Department of Commerce Annamalai University, Chidambaram

Rev. Fr. A. Alex Head Department of B.Com (Bank Management) & Department of Business Administration St. Joseph’s College of Arts and Science (Autonomous) Cuddalore

Mr.R.Punniyaseelan Assistant Professor Department of B.Com (Bank Management) St. Joseph’s College of Arts and Science (Autonomous) Cuddalore

Dr.V.Prasanna Venkatesan Professor & Head Department of Banking Technology School of Management, Pondicherry University

Dr.A.Martin Assistant Professor Department of Computer Science School of Mathematics and Computer Science Central University of Tamil Nadu, Thiruvarur

Dr.G.Sasikumar Principal Sun Arts and Science College, Thiruvannamalai

Dr.K.Senthil Kumar Associate Professor Department of Commerce Laxmi Narayanan Women’s College, Dharmapuri

CONTENTS S.No. Title Page No. 1 Human Resources Development and Employment Pattern in India 01 Dr.S.Thangamayan 2 Progress of E-Banking Services through Private Sector Banks in 08 Kallakurichi Taluk, Villupuram District Dr.R.Anandaraman 3 Work Life Balance of Women Beedi Workers in Tirunelveli District 16 Dr.C.Thilakam & M.Priyaangel 4 Work Life Conflict and Organizational Support of Women Faculties in 21 Higher Educational Institutions Dr.V.K.Punithavathi 5 Brand Choice Consumer Behaviour in Soft Drinks, Cuddalore District 28 Dr.K.Sivasankaran & V.R.Vijayakumar 6 “How Social Empowerment Initiatives Could be Embedded into Economic 37 Value Creation? The Social Entrepreneurship Case Study on Toto Café, Kolkata” Dr.Debraj Datta, Mr. SubhroKarmakar & Mr. Ashirbad Roy 7 A Study on the Performance of Valparai Urban Co-Operative Bank in 50 Coimbatore District Mrs.P.Kalaiselvi 8 An Analysis of Operational Performance and Wealth Creation of 58 Select Cement Companies in India Dr.G.Sasikumar & K.Pachaiammal 9 Impact of Rural Women Beneficiaries in MGNREGA 70 Programme- A Study in Dharmapuri District K.Revathi & P.Ashok Kumar 10 A Study of Service Quality and Customer Satisfaction in Banking Sectors 82 Dr.K.Senthikumar & M.Venkatesan 11 Problems and Prospectus of Rural Marketing in Villupuram 92 Dr.R.Anandaraman & R.Arul 12 Investors’ Preference towards Investment Avenues with Special Reference 101 to Salaried Personnel in Tiruvannamalai Town, Tamilnadu, India Dr.P.Hemavathi & Mrs.B.Mahalakshmi 13 A Study on Awareness on Stree Nidhi Credit 107 Co-operative Federation Ltd. to VOs W.R.T Krishna District, Andhra Pradesh Dr.Rajesh C Jampala & Mrs.G.Madhu Sri 14 Impact of Goods and Services Taxes on Consumption Pattern of Salaried Individuals 119 Dr.Tabitha Durai & Ms.K.Gayathri 15 Quality of Work Life Among Railway Transport Workers 126 (A Study with Reference to Salem Division of Southern Railway) T.Mohanraj & Dr.K.Maruthamuthu 16 A Study on Consumers Satisfaction towards Himalaya Products with 132 Special Reference to Neyveli Township G.Balamurugan 17 Marketing of Agricultural Products in Villupuram 137 Dr.R.Anandaraman & R. Dhanam 18 Impact of Non-Performing Assets on Indian Banking Sector – An Overview 144 Dr.M.Sampath & A.Palaniappan 19 Impact of Information and Communication Technology (ICT) in 150 Primary Healthcare Centers (PHCs) Prof. Dr.K.Maruthamuthu & Dr.K.Munusamy 20 Strategic Positioning and Sustainable Competitive Advantage for 160 Growth of Industry Dr.K.Prabhakar Rajkumar & Mareena Abraham 21 Consumers Perception towards Organic Food Products in Cuddalore 168 District Mr.R.Dineshbabu 22 Perception of Customers’ towards Service Quality of 173 Select Commercial Banks in Tiruvannamalai District Dr.G.Sasikumar & Mrs.P.Nandhini Devi 23 “Impact of Training Programme on Lean Management on Performance of 185 Employees for Neycer India Ltd - Vadalur” Mr.R.Vallal Raja & Dr.M.Ganesh Babu 24 A Study on Bank Employees’ Level of Stress with 193 Special Reference to Bargur Taluk T.Ravikumar & I.James 25 Dynamics of Returns in India Forex Markets with 201 Reference to Usdinr (2011-17) Prof. Rajesh C Jampala & Dr.Prasanna Kumar Goda 26 A Study on Impact of Ownership Structure on Initial Public Offerings (IPOs) 209 Performance in India Dr.Srinivasa Rao Dokku & Dr.Rajesh C.Jampala 27 Role of Social Media Marketing to Promote Business in Competitive 222 Scenario Dr.Md.S.Rahaman, Dr.B.JayaPrakash & Dr.J.DurgaPrasad 28 Cashless Transaction in India 227 Dr.C.Madhesh & P.Ragupathi 29 Rural Investors’s Awareness towards Sukanya Samriddhi 236 Account (SSA) – A Study Special Reference to Dharmapuri District K.Revathi 30 A Study on Different Distance Measures in Topsis: 250 A Case Study on Agricultural Domain T.Miranda Lakshmi, A.Martin & V.Prasanna Venkatesan

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HUMAN RESOURCES DEVELOPMENT AND EMPLOYMENT PATTERN IN INDIA

Dr.S.Thangamayan Assistant Professor, Department of Economics, VELS University, Chennai

Abstract Human resources refer to the sum total of society's competencies. It refers to all competencies which contribute to playing an active role in development of a country. Human resource development has become one of the most important issues in recent years to shape development strategies of countries around the world. One of the major issues is the employment and manpower development in the country. Although unemployment is not a serious problem in some countries, underemployment or mis-employment is very significant issue today. Together with the current emphasis on market mechanisms, these problems call for exploration of new strategies for matching education and training with the need for human resources. The basic objective of Tamilnadu should be to intensify efforts so as to increase public as well as private investment and spending on key Social Services, particularly Education, Social Welfare and Nutrition, Water Supply, Sanitation, Housing and Urban Development, and Health and Family Welfare etc. Keywords: Human Resources, Employment, Economic Development.

Introduction Human Resources evolved from personnel as the field moved beyond paying employees and managing employee benefits. The evolution made verbal the fact that people are an organization‘s most important resource. People are an asset that must be hired, satisfied, developed, and retained. Long a term used sarcastically by individuals in the line organization, because it relegates humans to the same category as financial and material resources, human resources will be replaced by more people and organization friendly terms in the future. Human Resources Development can be formal such as in classroom training, a college course, or an organizational planned change effort. Human Resources Development can be informal as in employee coaching by a manager. Healthy organizations believe in Human Resource Development and cover all of these bases. The Human Resource Glossary defines Human Resource as: ―The people that staff and operate an organization… as contrasted with the financial and material resources of an organization. Human Resource is also the organizational function that deals with the people and issues related to people such as compensation, hiring, performance management, and training. A Human Resource is a single person or employee within your organization.

Hypothesis 1. Human resource development strengthens the mental & physical condition of an Employee. 2. Human resource development prevents loosing labor working days. 3. Organizational function that deals with the people and issues related to people.

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Objectives of Study 1. To discuss the role of HRD in growth of economy. 2. To study enhance levels of manpower planning to ensure that the right person is in the right place at the right time. 3. To study the framework for helping employees develops their personal and organizational skills, knowledge, and abilities.

What is Human Resource Development? Human Resource Development (HRD) is the framework for helping employees develops their personal and organizational skills, knowledge, and abilities. Human Resource Development includes such opportunities as employee training, employee career development, performance management and development, coaching, mentoring, succession planning, key employee identification, tuition assistance, and organization development. The focus of all aspects of Human Resource Development is on developing the most superior workforce so that the organization and individual employees can accomplish their work goals in service to customers. Organizations have many opportunities for human resources or employee development, both within and outside of the workplace.

Importance of Human Resources Development Human Resource is the most Important and vital Factor of Economic Development or it can be said that humans are the agents of development. Some of the importances of Human Resource or Human Capital are:  Country Develops if The Human Resource is Developed To enhance economic development the state constructs roads, buildings bridges, dams, power houses, hospitals, etc. to run these units doctors, engineers, scientist, teachers, are required. So if the state invests in a human resource it pays dividend in response.  Increase in Productivity The batter education, improved skills, and provision of healthy atmosphere will result in proper and most efficient use of resources (non-natural & natural) which will result in increase in economic production.  Eradication of Social and Economic Backwardness Human Resource Development has an ample effect on the backwardness economy and society. The provision of education will increase literacy which will produce skilled Human Resource. Similarly provision of health facilities will result in healthy Human Resource which will contribute to the national economic development.  Entrepreneurship Increase Education, clean environment, good health, investment on the human resource, will all have its positive effects. Job opportunities would be created in the country. And even business environment will flourish in the state which many job opportunities.

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 Social Revolution Because Of Human Resource development the socio economic life of the people of a country changes drastically. Over all look changes phenomena changes, progressive thoughts are endorsed in to the minds of people.

Management Development The management and leadership development process is flexible and continuous, linking an individual‘s development to the goals of the job and the organization. Management development programs on campus give you the opportunity to develop a broad base of skills and knowledge that can be applied to many jobs on campus. The overarching goal is a comprehensive curriculum for managers and supervisors to develop the necessary core competencies to become excellent leaders. The Employee relations Unit also provides training for managers and supervisors, along with performance management tools. Expanding management core competencies will enable campus managers to keep pace with the demands of a changing organization.

Table 1 Share of Employment by Economic Activity (%) year 2011 Country Agriculture Industry Service Table 1: Employment elasticities UK 1.5 23.5 75.0 differ widely across sectors. In some USA 2.0 22.0 76.0 sectors, there is no further scope for France 1.5 23.5 75.0 employment even as output Japan 5.0 29.0 65.0 increases. Apart from pure Germany 2.5 31.0 66.0 agriculture, this is true of the Italy 5.5 29.5 65.0 ‗Mining and quarrying‘ sector. The Australia 4.5 20.0 75.5 service sectors have an elasticity Source: World Development Indicators (WDI): 2011 ranging from 0.3 to 0.5. However, to have an impact on the overall level of employment, the sector should not only have a higher employment elasticity but also a large base. From our projections, it is seen that even if the service sector grows at more than 10 per cent, its share in employment by 2013 will still be only 29 percent rising from the level of 23 per cent in 1999-2000.

Table 2 Employment Projections (at % Growth Rate) 1999- 2004- Projected Growth Employment 2017 2000 05 Elasticity Rate Growth rate Agriculture 237.56 240.32 0.10 4.00 0.40 252.11 Mining& quarrying 2.27 2.24 0.00 4.70 0.00 2.24 Manufacturing 48.01 51.79 0.22 10.50 2.31 68.11 Electricity, Gas and water 1.28 1.29 0.00 8.30 0.00 1.29 supply Construction 17.62 21.10 0.60 8.50 5.10 38.32

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Trade, hotels& restaurant 37.32 45.76 0.50 9.20 4.60 78.49 Transport, Storage and 14.69 18.78 0.40 10.50 4.20 30.76 communication Financing, insurance, real estates 5.05 5.90 0.50 11.00 5.50 11.21 and business services Community, social and 33.20 35.95 0.30 7.60 2.28 47.11 personal services Total Employment 397.00 423.13 0.22 8.00 1.76 529.64 Labour Force (1.5%) 406.05 437.43 522.99 Labour Force (1.8%) 406.05 443.93 549.90 Unemployment rate (1.8%) 2.23 3.68 Source: Planning Commission: 2016 Table 2: Evident that accelerating growth is central to expanding employment opportunities. We need actions both from the demand and supply sides in order to achieve higher levels of employment. On the demand side the most potent force is growth. Estimates show that with a sustained growth of 8.5 per cent per annum, by 2015, unemployment will be totally eliminated. The macroeconomic policy framework must be such as to facilitate accelerated growth. The second demand side strategy lies in the pursuit of sector specific policies aimed at the growth of labour intensive sector. This must be managed in such a way that there is no compromise with efficiency. The supply side interventions should be in capacity building and enhancing the skill endowment of the labour force.

Table: 3 Share of Employment by Economic Activity (%) Year 2011 Country Agriculture Industry Service Table 3: The table shows that China 49.8 23.5 26.7 discussion of the employment situation Indonesia 55.5 14.0 31.0 or an employment strategy will be Thailand 49.0 18.5 32.5 complete without a reference to the Philippines 35.0 15.0 50.0 Malaysia 17.5 31.5 51.0 social safety nets for workers. Social Korea Rep. 10.5 26.5 55.5 security in a broad sense is available to Pakistan 58.5 14.5 27.0 workers in the organized sector. We India 57.0 21.0 22.0 must also recognize that social safety Sources: World Development Indicators (WDI): 2011 nets are needed in the context of the structural transformation in the economy when some segments decline and some others expand. The process of transition of workers from one industry to another must be managed both by the provision of financial compensation and through retraining of skills. Closely related is the issue of providing social security to workers in the unorganized sector. This has to be done without imposing too much of a burden on the employers in this sector who may themselves be weak. One significant factor in the employment situation in our country is that the bulk of the employment is in the unorganized sector. It should be the endeavor of our policy to shift as much of the labour force as possible from the unorganized to the organized sector. This would give the workers a better deal in terms of wages. This is possible only if the

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rigidities in the labour market are relaxed and wage determination begins to reflect the resource endowment in our country. This would discourage firms to prefer capital-intensive technologies over labour intensive technologies.

Table 4 Rate of Growth of Population, Labour Force and Employment: 2011 Growth of Rate of Growth of Labour Rate of Growth of Rate of growth Period Population Force (UPSS) (% per Employment (UPSS) of GDP (% per annum) annum) (% per annum) (% per annum) 1972-73 - 2.27 2.94 2.73 4.70 1977-78 1977-78 to 2.19 2.04 2.17 4.05 1983 1983 to 1987- 2.14 1.74 1.54 4.23 88 1987-88 2.10 2.29 2.43 5.85 to1993-94 (1983 to (2.12) (2.05) (2.04) (5.20) 1993-94) 1993-94 to 1.93 1.03 0.98 6.63 1999-2000 1999-2000 to 1.21 1.73 1.27 5.21 2010-2011 Source: Report of Task force Employment Opportunities, Planning Commission: Table 4: Shows that the Report of the Task Force on Employment Opportunities was released in June 2011. Its projections were made on the assumption that the economy would grow at 8 Per cent per annum from 1999-2000. However, the actual growth rate between 1999- 2000 and 2004-05 was lower at six per cent. We have, therefore, reassessed the projections starting from the base 2004-05. Assuming an overall elasticity of .22 and corresponding sectoral elasticities, we find that employment grew between 1999-2000 and 2004-05 only at an annual rate of 1.3 per cent. This is lower than the growth rate of labour force. Our projections now show that with an annual growth rate of 8 per cent in GDP and a labour force growth of 1.5 percent per annum, it will take up to 2017 to reach the point when there is no unemployment. However, with a 9 percent rate of growth and under the same assumptions of growth in labour force and sectoral elasticities, there will be no unemployment by 2012. Obviously, if the labour force growth is not 1.5 per cent but higher at 1.8 per cent, the unemployment rate in 2012 will be 2.48 per cent. It is now generally believed that it will be safe to assume a growth rate of 8.5 per cent for the next five-year period and beyond. An assumption of a growth rate of 8.5 per cent will mean that it will take up to 2015 to eliminate unemployment. It is interesting to note that with an overall growth rate of 9 per cent, in 2012, agriculture will still account for 50 percent of the total employment

Career Development Career development is the ongoing acquisition or refinement of skills and knowledge, including job mastery and professional development, coupled with career planning activities.

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Job mastery skills are those that are necessary to successfully perform one‘s job. Professional development skills are the skills and knowledge that go beyond the scope of the employee‘s job description, although they may indirectly improve job performance. Since career development is an ongoing, dynamic process, employees may need encouragement and support in reviewing and re-assessing their goals and activities. You are in a key position to provide valuable feedback and learning activities or resources. Formal training and classes away from the job are effective in providing new information, but adult learners also need to practice new skills, Therefore, you can contribute significantly to your staff member‘s career development by supporting career development activities within your department.

Conclusion In conclusion, let us summarize the employment scenario and the thrust of the appropriate employment strategy. The growth process has brought about significant changes in the structure of the Indian economy. Defying somewhat the conventional paradigm of development, the share of services has touched 51 per cent of GDP at a relatively early stage of development. However, the employment shift has lagged behind shift in output. The share of services in employment is only 22 per cent. In the light of increasing demand for higher education in the growing Tamilnadu economy, it is very much clear that the public allocation to higher and technical education is very inadequate. Quantitative expansion and qualitative improvement in all programmes of education in the country is the need of the hour. Tamilnadu has to continuously redesign its education system to make it more employment friendly. The generation of employment as per the requirement of the growth rate of population in India requires more than economic reform. Finally from our study we reached to the conclusion that the sustainable growth and employment over a longer period of time in the economy that the sustainable growth and employment over a longer period of time in the economy can be achieved only by fostering Human Resource and Social Development. Accelerating growth is central to expanding employment opportunities. We need actions both from the demand and supply sides in order to achieve higher levels of employment. On the demand side the most potent force is growth. Estimates show that with a sustained growth of 8.5 per cent per annum, by 2015, unemployment will be totally eliminated. The macroeconomic policy framework must be such as to facilitate accelerated growth. The second demand side strategy lies in the pursuit of sector specific policies aimed at the growth of labour intensive sectors. This must be managed in such a way that there is no compromise with efficiency. The supply side interventions should be in capacity building and enhancing the skill endowment of the labour force. There must be constant efforts to identify gaps in skills and to provide training to make available the skills that are in short supply. The labour market should be made more flexible to enable a shift of labour force from the unorganized to the organized sector. Providing additional employment opportunities to 8 million people every year is going to be a formidable challenge. With growth rate picking up and with a harmonious relationship between management and labour, we are confident we can meet this challenge. Therefore, the basic

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objective of India should be to intensify efforts so as to increase public as well as private investment and spending on key Social Services, particularly Education, Social Welfare and Nutrition, Water Supply, Sanitation, Housing and Urban Development, and Health and Family Welfare etc.

References 1. Bhalla, Sheila (1997), ―Trends in Poverty, Wages and Employment in India‖, Indian Journal of Labour Economic, Vol.40, No.2 2. Bhalla, G.S. and Hazell, Peter (2003), ―Rural Employment and Poverty‖, Economic and Political Weekly, Vol. XXXVIII, No.33. 3. Bhagwati, Jagadish (2001), ―Growth, Poverty and Reforms‖, Economic and Political Weekly, Vol. 36, No.3, July – September. 4. Chadha, G.K. (1994): ―Employment, Earnings and Poverty: A Study of Rural India and Indonesia‖, Sage Publications, New Delhi. 5. Chadha, G.K. (2001), ―Impact of Economics Reform on Rural Unemployment: No Smooth Sailing Anticipated‖, Indian Journal of Agricultural Economics, Vol.56, No.3, July – September. 6. Chhabra T.N., ―Human Resource Management‖ Dhanpat Rai & Co. P.L. New Delhi.1990. 7. Datt, Gaurav (1999), ―Has Poverty Declined since Economic Reforms‖, Economic and Political Weekly, Vol. XXXIV, No.50, December 11-17. 8. Flippo, Edwin B, ―Principles of Personal Management, ―McGraw Hill, New York. 9. Dessler, Garry, ―Human Resource Management,‖ Prentice Hall of India 7th edi.1998. 10. Ministry of Finance: ‗Economic Survey (2005-06)‘, New Delhi. 11. Ministry of Rural Development, (2006): ‗The National Rural Employment Guarantee Act 2005‘, New Delhi. 12. Pareek, Udai ad Sisodia, HRD in the New Millennium, ―Tata Mc Graw Hill Pub. Co.l.New Delhi 1999. 13. Planning Commission, (2003): ‗Tenth Five Year Plan (2002-2007)‘, New Delhi. 14. Planning Commission (2011): ‗Report of Task Force on Employment Opportunities‘, New Delhi, June. 15. Sharma, Shailendra (2004): ‗Employment in India: Vision 2020‘, p-221, ‗The Report of the S.P Gupta Committee on India Vision 2020‘, Planning Commission, New Delhi. 16. Sundaram, K. (2001): ‗Employment-Unemployment Situation in Nineties: Some Results from NSS 55th Round Survey‘, Economic & Political Weekly, March 17. 17. Sundaram, K. and Tendulkar, S.D. (2004): ‗The Poor in the Indian Labour Force, Scenario in the 1990s‘, Economic & Political Weekly, November 27. 18. Sundaram, K. Papola,T.S. (2005): ‗Emerging Structure of Indian Economy- Implications of growing inter sectoral imbalances‘, Presidential Address, the 88th Annual Conference of Indian Economic Association, Dec.27-29,2005.

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PROGRESS OF E-BANKING SERVICES THROUGH PRIVATE SECTOR BANKS IN KALLAKURICHI TALUK, VILLUPURAM DISTRICT

Dr.R.Anandaraman Assistant Professor, PG and Research Department of Commerce Dr. R.K. Shanmugam College of Arts and Science, Indili, Kallakurichi, Villupuram District, Tamil Nadu

Abstract E-Banking is one of the non financial services extent banking activities converted into electronic devices for all payments and receipts preparing technical aspects. Banking services is easy and quick way of financial transaction exchange of demand draft, clearing system, RTGS is the transformer of technical methods transfer of communication through on-line. Banking sector prepare the financial statement analysis reduce the cost of expenditure and control the time management ready to arrange effective methods of electronic records. Private sector banks fixing unique services of e-banking contribute extremely quality aspects of information technology sharing multifarious services through systematic manner. Keywords: Communication, Network, Service, Banking, Technology

Introduction E-banking services are technical services exchange of information and financial transactions from bank to bank electronic methods converted the high quality of services potential wealth of customer. Present day customers are used e-banking payments online bill preparation methods to simplify the workload to increasing customer requirements connectivity of networks through effective quality management of e-banking services. Reserve Bank of India considers the implementation of new schemes adoption all over the world linkage of electronic banking services creativity of services to regular customer. Banking institutions extent the networks check and verify transaction and investigation of customer enquiry to solve the problems in internet banking. E-banking is the progress of faster solution promote service quality dimensions of every moments transfer of financial and non financial methods of served among the banking and customer relationship management day to day increasing e-banking services in financial institutions. E-banking services are highly effective growth of customer satisfied services every aspects of not only for the financial and also inclusive growth of e-banking management. Information technology is fundamental strongest development of internet banking through cash transactions every day change new software adoption technically reduce the burden on workload and improve services in successfully.

Review of Literature Amruth Raj and Nippatlapalli (2013) noted that Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied b a company meet or surpass customer expectation. Customer satisfaction is defined as ―the number of customers, or percentage of total customers whose reported experience with a firm, its products, or its

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services exceeds specified satisfaction goals. This was one of the three presidency banks, the other two being the bank of Bombay and the bank of madras, all three of which were established under charters from the British east India Company. For many years the pr4esidency banks acted as quasi-central banks as did their success Fozia (2013) pointed that this paper is to determine the customer‘s perception toward the e- banking services. A total of number of customer taken for the study is 196. Analysis of variance technique is employed to study the significant relationship between the occupation and customer perception of e-banking services and significant relationship between the age and customer perception of e-banking services. The result of the study clearly shows that different age group of customer and different occupation group of customers have different perception toward the e-banking services. The results also propose that demographic understanding about the customer‘s perception regarding the e-banking services o f public and private banks it will help to the banker to understand the customers need in better way. Jayalakshmi, Gopalkrishnan (2013) concluded that modern day banking calls for delivering quality service and it is considered an effective strategy for success and survival in the competitive environment. The service quality agenda has now shifted and reconfigured to include other issues like technology implementation for delivering superior services. We are analyzing how India‘s largest bank SBI has managed to transform itself. The various technological innovations at SBI are critical success factors. This case study of transformation of banking technology is an example to other banks operating in the Indian banking industry. The need for customer satisfaction and its implications on customer retention is highly discussed today as the cost of retaining a customer is five times lesser than acquiring a new one. The technology built by Tata consultancy services for SBI is world class and has led to its significant development in the customer database.

Objectives of the Study 1. To know progress of e-banking services among customers in Kallakurichi Taluk, Villupuram District. 2. To analyze the information technology under risk factors of banking service in Kallakurichi Taluk, Villupuram District. 3. To promotion of information technology through internet banking services in common. 4. To offer findings and suggestions to improve the information technology in banking sector.

Methodology The present study is descriptive in nature using both primary data and secondary data. Primary data were collected through interview schedule from the respondents in the study area. The secondary data were collected from various journals, magazine, newspaper related website and records of etc. The collected primary data were analyzed by using appropriate statistics tools like simple percentage.

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Sampling Techniques The study is based simple random sampling technique. The researcher has collected the primary data through survey fact investigation accounting holder respondents in the study areas. Kallakurichi divided into three banks as Public, Private and Co-operative bank. Each bank 50 respondents were selected on the basis of conveniences sampling techniques. In this regard Pallavan Grama bank 25 respondents collected primary data from customer. Hence, the total sample size is restricted to 175 respondents for the study.

Scope and Period of the Study The present study undertaken is present study undertaken is performance analysis of Customer Satisfaction of Information Technology through Banking Institution in Kallakurichi Taluk, Villupuram District. This study mainly covers information technology with regard to improve growth of customer service in the study area and does not cover non-banking financial companies. The period of the study in collection to secondary data during the years from one year and primary data were collected during the months from May 2017 to July 2017. It is found that 12 percent of the respondents are connected of internet through mobile phone, 4 percent of the respondents are usage of email, 37 percent of the respondents are ATM card, 9 percent of the respondents are credit card, 10 percent of the respondents are electronic fund transfer, and 29 percent of the respondents are online banking service.

Table 1 Progress of E-Banking Services Process Respondents Percent (Purpose E-Banking) Connected of Internet 21 12 through mobile phone Usage of email 7 4 ATM card 4 37 Credit card 16 9 Electronic fund transfer 17 10 Online Banking Service 50 29 Total 175 100 (Frequently Services) Nearest Banking 63 36 ATMs 78 45 Internet Bank 10 6 Tele Phone Banking 24 13 Total 175 100 Hindrance of Services ATMs 28 16 Internet banking problem 91 52 Lacking of Tele banking 21 12 Impact on mobile banking 35 20 Total 175 100 Impact on Services ATM card locked 14 8 Machine out of cash 98 56 Non-printing of statement 28 16

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Long time waiting in queues 14 8 Automatically reduction without cash problems 7 4 Technical communication 14 8 Total 175 100 Sources: Primary Data 2017 It is reveals that 36 percent of the respondents are using nearest banking branch, 45 percent of the respondents are using ATM, 6 percent of the respondents are using internet bank, and remaining 13 percent of the respondents are using Tele phone banking 16 percent of the respondents are ATM problems in Information Technology, 52 percent of the respondents are Internet banking problem in information technology, 12 percent of the respondents are lacking of Tele banking in information technology, 20 percent of the respondents are impact on mobile banking in information technology. It is found that 8 percent of the respondents are ATM card locked in machine, 56 percent of the respondents are machine out of cash, 16 percent of the respondents are non-printing of statement, 8 percent of the respondents are long time waiting in queues, 4 percent automatically reduction without cash problems, 8 percent of the respondents are technical communication.

Table 2 Problems of E-Banking Services Problems Respondents Percent Internet Banking Not providing necessary information 14 8 Not giving fast response 21 12 Not being able to security requirement 49 28 Waiting for long time for connection of transaction 70 40 Many steps in processing of financial transaction 4 4 Unfinished processing of network 8 8 Total 175 100 Mobile Banking Lacking sign of are not easy 45 26 Lack of security in transaction 38 22 Lack of appropriate software 27 15 Lack of clear guidelines 18 10 Lacking of quality service 15 9 Options of immediate through network 12 7 Total 175 100 (Tangibility of Services) Location of the bank 70 40 Sufficient number of ATM 25 14 Cash counting machine 30 17 Banker update innovation technology 35 20 Easy way employee approach 15 9 Total 175 100

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Reliability Information Technology searching on website 86 49 Update of New Version 28 16 Process of Cash Transaction 25 14 Multi ranges of product and customer service 36 21 Total 175 100 Sources: Primary Data 2017 It is analyzed that 8 percent of the respondents are not providing necessary information from Internet banking , 12 percent of the respondents are not giving fast response from Internet banking, 28 percent of the respondents are not being able to security requirement from Internet banking, 40 percent of the respondents are waiting for long time for connection of transaction from Internet banking, 4 percent of the respondents are many steps in processing of financial transaction from Internet banking, 8 percent of the respondents are unfinished processing of network from Internet banking. It is found that 26 percent of the respondents are lacking sign of are not easy, 22 percent of the respondents are lack of security in transaction, 15 percent of the respondents are lack of appropriate software, 10 percent of the respondents are lack of clear guild lines, 9 percent of the respondents are lacking of quality service, 7 percent of the respondents are options of immediate through network. It is analyzed that 40 percent of the respondents are tangibility of location of the bank, 14 percent of the respondents are tangibility of sufficient number of ATM, 17 percent of the respondents are tangibility of cash counting machine, 20 percent of the respondents are tangibility of banker update innovation technology, 9 percent of the respondents are tangibility of easy way employee approach. It is reveals that 49 percent of the respondents are reliability of information technology searching on website, 16 percent of the respondents are update of new version, 14 percent of the respondents are process of cash transaction, and 21percent of the respondents are multi ranges of product and customer service

Table 3 Customer Services of E-Banking Responses Security Convenient E-Banking Services NR % NR % NR % Customer service 115 66 Performance of reasonable service 10 6 Cost way information 30 17 Handed advanced technology 20 11 Security for ATM 110 63 Online application filling 10 6 Information of banking transaction 20 11 Confidential of the bank transaction 15 9 Knowledge and Information 20 11 Clear Instruction 21 12 Through online websites 70 40

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Approach friendly way working of processing 35 20 Easy and find out alteration 21 12 28 16 Total 175 100 175 100 175 100 Sources: Primary Data 2017 NR: Number of Respondents It is found that responses of information technology 66 percent of the respondents are customer services, 6 percent of the respondents are performance of reasonable service, 17 percent of the respondents are cost way information, 11 percent of the respondents are handed advanced technology. It is exhibit that 63 percent of the respondents are security for ATM, 6 percent of the respondents are online application filling, 11 percent of the respondents are information of banking transaction, 9 percent of the respondents are confidential of bank transaction, 11 percent of the respondents are collections of back ground information. It is regards that convenient of information technology 12 percent of the respondents are knowledge and information, 40 percent of the respondents are clear instruction, 20 percent of the respondents are through online websites, 12 percent of the respondents are approach friendly way convenient working of processing, 16 percent of the respondents are easy and find out alternation

Suggestions 1. Private sector bank must extent the banking services among customer change the information technology in rural banks. Customer there is no awareness about the electronic banking technology because the reason of fundamental concepts of knows your customer in baking services. 2. E-banking is transformer of ATM services timely recovery of customer services improve the advanced technology should be using in public/customers. Banking institutions follow certain remedies improve society and implementation of new technical method to maintain knowledge information given the clear instruction to customers. 3. Banking institutions should be creating the online websites every banking information sharing through on-line networks. Reserve banking of india must framing quality of services day to day change information technology compulsory open the website to update in banking networks 4. Banking sector is one of the services sector promote the customer change the banking communication approach friendly way working of processing through customers. Every person is well known using the banking process of collection/withdrawal of money from ATMs machines. 5. Mobile banking is one unit banking provides the information technical lacking sign of is not easy alteration exchange of appropriate software using new technology services. Almost all banking sector clear give the proper guidelines are sharing more information through mobile-banking services.

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6. KVB, ICICI, LVB, TMB banks should be follow sufficient number of ATM centre open in rural areas. Customers inconvenient of services withdraw the cash transactions and deposit of internet banking. Banking sector prepare the role model marketing of services products must be implementation throughout field areas. 7. Banking information technology is one of the formal way communication transfers through networks. Banking institutions share more information latest software connection quick and easy way approaches to attract more of number of people. Private sector banks enable friendly way of communication gives some of the information sharing through advanced technology. 8. Mobile banking is tangibility of customer services connectivity of more number of people gathering relevant ideas easy way communications of networks. Mobile banking is the transformer of banking services searching new methods of technology using not only for the cash transaction and also multi-services of internet networks. 9. Reserve Bank of India comes forward contribute multi ranges of product and customer service update of new version technology distribute among banking institutions. Now days banking sector lack of security in transaction and waiting for long time connection of transaction there is no reaction. Most of the customer feels that timely intangibility of customer services through online -networks. Every activity highly performs updating of internet banking reveals on inclusive growth in customer services.

Conclusion E-banking is one of the banking technology customer services oriented online banking processes of exchange the information through on-line networks. Banking sector is one of the financial assistance of customer develop the economic activities of business oriented to starts the small scale business in rural areas. E-banking services are formal technical way of service quality multi ranges of product and customer service are debit/credit cards. Present day every bank contributes multi-services of hindrance of banking technology. Banking sector come forwards remove the certain impacts on internet banking, mobile banking, tangibility and reliability of services. Reserve Bank of India is one of the transformers of technical services and non financial services are important role develop the modern society. Government of India promote the banking sector change the new updating of technical services contribute the financial oriented loan schemes in rural entrepreneurs.

References 1. Ahmed.J.U. (2011). Services Rendered by Commercial Bank: A Customer Oriented Empirical Evidence From State Bank of India, Management Convergence, Vol.1, No: 2, pp.63-82. 2. Ali Naghi Mansour Beigi. (2016). The Study of the Effects of E-Banking Services Quality on Customers Satisfaction and Loyalty, Journal of Current Research in Science, Vol.1, pp.376-381.

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3. Amruth Raj. Nippatlapalli. (2013). A Study Customer Satisfaction of Commercial Banks; Case Study on State Bank of India, IOSR Journal of Business and Management, Vol.15, No:1, pp.60-68. 4. Bindiya Tater Manish Tanwar.Krishna Murari. (2011). Customer Adoption of Banking Technology in Private Banks of India, International Journal of Banking and Finance, Vol.8, No:3, pp.73-88. 5. Bindiya Tater Manish Tanwar.KrishnaMurari. (2011). Customer Adoption of Banking Technology in Private Banks of India, International Journal of Banking and Finance, Vol.8, No:3, pp.73-88. 6. Fozia. (2013). A Comparative Study of Customer Perception toward E-Banking Services Provided by Selected Private and Public sector Bank in India, International Journal of Scientific and Research Publications, Vol.3, No:9, pp.1-5. 7. Hani A.Alhaliq. Ahmad A.Almuhirat. (2016). Customer Satisfaction with Electronic Banking Services in the Saudi Banking Sector, Asian Social Science, Vol.2. pp. 20-28. 8. Jayalakshmi Gopalkrishnan. (2013).A Study on the Innovative Business Model at State Bank of India; India‘s Largest Bank, Interdisciplinary Journal of Contemporary Research in Business, Vol.7, No: 1, pp.25-33. 9. Krishna.D.N.E. Reddy.Dr.M.Sjjudhir Reddy. (2015). A Study on Customers Perception and Satisfaction towards Electronic Banking in Khammam District, IOAR Journal of business and Management, Vol.17, No:12, pp.20-27. 10. Kumar Santhosh. (2016) Study of State Bank of India, International Journal of Research Studies in Management, Vol.5, No: 1, pp.65-69.

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WORK LIFE BALANCE OF WOMEN BEEDI WORKERS IN TIRUNELVELI DISTRICT

Dr.C.Thilakam Head and Professor, Department of Commerce, Manonmaniam Sundaranar University, Tirunelveli

M.Priyaangel Full Time Research Scholar, Manonmaniam Sundaranar University, Tirunelveli

Abstract This article provides an insight on the work life balance of Indian women beedi workers. This would highlight the various values, attitudes and beliefs of women regarding job anxiety in their unorganized work procedure and particularly balancing their work and personal life. Beedi (a handmade cigarette) manufacturing is more than a century old and an unorganized sector in India. Ever since the introduction of tobacco cultivation in India, a sizeable segment of women labor force is engaged in production for consumption of tobacco rolled in the form of beedi. The Indian market of smoking tobacco is dominated by beedis, which outsell cigarettes by 10:1 ratio. Women being the threshold of a family, extend their support in earnings for the mobilization of income for their children’s education and better living. Beedi manufacturing is that sector in which the poor and the oppressed, especially rural women folk are exploited. The majority of women are working about 90-95 hours per week; the only comfort is that women beedi workers enjoy freedom in the work place and also flexible working hours. Beedi rolling reasonably contributes as an income in the interior regions of Vellore and Tirunelvelli districts, Tamilnadu, India, where the study was carried out to analyze the satisfaction level of work life and work life balance of women beedi workers. The study is undertaken to have an in-depth understanding of the work life of women beedi workers and throws light on the problems and issues of the beedi workers. Keywords: Beedi Rolling, Work Life Balance, Women Beedi Rollers.

Introduction Wok life balance is one of life‘s‘ greatest challenges, while men often feel conflicted between work place and domicile demands as well. Women usually suffer from more than their fair share of the burden of balancing family and work life. Home workers had no fixed hours of work since they combined household duties with beedi rolling. They were found to be working for as long as up to ten hours a day and as little as three hours a day. Beedi r