scholarly journals Investment Pattern of Youth in India with particular reference to Mumbai

2018 ◽  
Author(s):  
Sudarshana Saikia
Keyword(s):  
Mutual Fund ◽  
Primary Data ◽  
Survey Method ◽  
Productive Capacity ◽  
Young Generation ◽  
Financial Investment ◽  
Investment Pattern ◽  
Risk Appetite ◽  
Savings Rate

A nation’s productive capacity depends on a healthy capital formation. Robust savings rate coupled with good capital mobilization are the key macro economic variables, which play a significant role in economic growth. A nation's savings and investment propensities also play a key role in achieving dynamic stability in the capital market. Per Capita Income in India has been on the rise since all of the last decade. With growth in the PCI, savings and investment in the country too has shown a northbound movement. At the same time, there has been a phenomenal rise in the youth population. This has made India the youngest nation with a demographic dividend appearing to be a reality. This young work force is expected to drive the engine of growth. In Economics, investment is generally held to mean formation of capital. As such, from a pure economics point of view, the formation of physical assets is important when considering investment. However this study focuses on what is referred to as Financial Investment i.e. investment in shares and securities aimed primarily at earning income rather than enhancing production. By virtue of this the words savings and investment come closer in meaning than traditionally seen. However a slight difference still remains which is that while savings is simply setting aside funds for future, investment also involves mobilizing them so that somebody else may use it for productive purposes.This study examines the savings and investment pattern of select college going students (Age: 17-25 years) in the city of Mumbai who has just begun to earn. The study also looks into the basic financial literacy amongst the youth; how they go about educating themselves, and how do they look at risk, returns and various modes of investments and what determines the same. Primary data was collected using a survey method. The information generated during data collection was both qualitative and quantitative. The major objectives of the study were (1) To understand the youngsters’ income and saving pattern. (2) To know their long-term financial goals. (3) To find out risk appetite of youngsters. (4) To find out whether the young investors are looking for long term growth or risk or return or liquidity. The study finds that safety and security, which were always important reasons for investment, are still influential in determining the direction of investment. Respondents liked to keep multiple options while choosing their investment options. However, returns on investment were obviously the most considered factor followed by risk. Saving accounts in banks appears to be the most common way of saving and investing for the respondents. Mutual fund has gained the favor of young investors. Investment in mutual funds through the Systematic Investment Plan (SIP) is a favored investment option for the youngsters. This is especially true of the young salaried class, which has just started earning and does not have a fat bank balance as yet. Youngsters today do know about the options available to them due to the rapid spread of information in recent times; they are not always sure about how to go about investing in newer ways actively. An informed investor is a good investor; there is opportunity for providing them with guidance and information but it has to be done in a way that is in accordance with their lifestyle – seminars and workshops are no longer the kind of options to peruse. Podcasts, online videos, forums and tutorials are the way of learning of the young generation. The social media platforms specially Face Book, Twitter, LinkedIn along with e-groups and websites can be a medium to spread awareness about various options available for the young investors. Thus, investor education can play a vital role in improving the active participation of the investors in the market, which can help them in the informed investment and in getting good returns.

Small Active Investors' Perceptions and Preferences Towards Tax Saving Mutual Fund Schemes in Eastern India

2020 ◽  
pp. 1789-1800
Author(s):  
Jitendra Kumar ◽  
Anindita Adhikary ◽  
Ajeya Jha
Keyword(s):  
Data Collection ◽  
Mutual Fund ◽  
West Bengal ◽  
Investment Decisions ◽  
Primary Data ◽  
Survey Method ◽  
Eastern India ◽  
Factors Influencing ◽  
Two Factors ◽  
State Capital

Perception and preference factor plays an important role and help the investor to understand and make the meaningful investment decisions. These two factors are highly influenced by demographic differences of an investor. The present study aims to examine the perception and preference factors influencing the investment behavior of an investor based on various demographics differences. Survey method of primary data collection techniques was adopted to collect responses of 750 respondents from Eastern India particularly (state capital or satellite towns having the population of 10,00,000) Bihar, Jharkhand, Odisha, West Bengal, Sikkim and Assam. Results of the present study suggest that significant demographics differences occur in investment perceptions and preferences towards tax saving mutual fund investments among the investors.

scholarly journals Professional Commitment And Whistleblowing Intention: The Role Of National Culture

2021 ◽  
Vol 11 (1) ◽  
pp. 87-102
Author(s):  
Ni Wayan Rustiarini ◽  
Anik Yuesti ◽  
Ni Putu Shinta Dewi
Keyword(s):  
National Culture ◽  
Power Distance ◽  
Uncertainty Avoidance ◽  
Primary Data ◽  
Survey Method ◽  
Professional Commitment ◽  
Five Dimensions ◽  
Whistleblowing Intention

This study aims to identify the effect of professional commitment on whistleblowing intentions. This study also analyzes the role of Hofstede's five dimensions of national culture as moderating variable, including power distance, collectivism, masculinity, uncertainty avoidance, and long-term orientation. This study used a survey method. The primary data collection was through a questionnaire distributed to 92 auditors in accounting firms in Bali Province. The result shows that professional commitment positively affects whistleblowing intention. The moderating variable's roles are power distance and collectivism's culture weaken professional commitment and whistleblowing intention relationship. Two other cultures, namely masculinity and a long-term orientation, are proven to strengthen the relationship between professional commitment and whistleblowing intention. Contrary, uncertainty avoidance culture has no significant effect. Theoretically, this study confirms the role of the national culture in the auditing context. This result practically adds insight to regulators and accounting firm leaders in formulating regulations regarding the appropriate whistleblowing system for organizations. There are two limitations. First, this study uses a survey method. This method allows for social desirability bias for sensitive variables, such as whistleblowing. This study also uses the national culture popularized by Hofstede about forty years ago. Thus, further research might use other popular models.

scholarly journals Measuring Clients’ Attitudes About Banking Services Quality Using the SERVQUAL Model

2019 ◽  
Vol 57 (2) ◽  
pp. 201-217 ◽  
Author(s):  
Jovana Savić ◽  
Nevena Veselinović
Keyword(s):  
Banking Sector ◽  
Services Quality ◽  
Research Question ◽  
Primary Data ◽  
Survey Method ◽  
Simple Random Sample ◽  
Banking Services ◽  
Main Research ◽  
Sample Technique

AbstractThe economic crisis and the emergence of an increasing number of competitors in the banking sector have led to the need for banks to better understand their clients and to work more closely together with them. The basis of survival and profitable business of banks is the achievement of high quality offer that is the asset for developing long-term relationships. The aim of the paper is to determine the effects of the banking services quality dimensions on satisfaction and loyalty of clients using modified SERVQUAL model. The main research question is to examine which dimensions of banking services quality have an effect on the satisfaction and loyalty of clients, what is the nature and the intensity of this impact. For the purpose of measuring clients’ attitudes regarding banking services quality, the survey method, questionnaire technique was applied. The questionnaire was distributed to clients of banks operating in the territory of Kragujevac, Central Serbia, in the period from September to October, 2018. Simple random sample technique for sampling was applied. The analysis was conducted by processing the primary data in statistical software SPSS where several statistical analyses were conducted. Based on multiple regression analysis, it came to the result that the strongest influence on clients’ satisfaction has variable empathy and the weakest variable tangibility, while variable reliability has no influence. On the other hand, clients’ loyalty is most strongly influenced by variable responsiveness while the weakest influence, as well as on satisfaction, has variable tangibility. The paper points to the significance of improving banking services quality in order to achieve higher level of satisfaction and long-term clients’ loyalty, which is particularly important when it comes to dimensions that have weak or no influence on the observed aspects of consumer behaviour.

scholarly journals ANALISIS KELAYAKAN FINANSIAL PENGOPERASIAN ANGKUTAN ANTAR JEMPUT SISWA SEKOLAH PADA KORIDOR JALAN GUNUNG AGUNG DENPASAR

2013 ◽  
Author(s):  
D. A. Nyoman Sriastuti ◽  
I G. Putu Suparsa ◽  
D. M. Priyantha Wedagama
Keyword(s):  
Service Providers ◽  
Secondary Data ◽  
Population Increase ◽  
Primary Data ◽  
Survey Method ◽  
Financial Investment ◽  
Interview Method ◽  
Future Value ◽  
Benefit Cost ◽  
The City

The population increase in Denpasar City causes the increase of peoples’ activities which is followed by the increase of using transportation facilities. It certainly influences the traffic in the city itself. One of the peoples’ activities causing traffic jams on the streets of Denpasar particularly on Gunung Agung Street is the students’ pick-up service. The jam is mainly caused by the use of private vehicles especially motorcycles for picking-up the students. The problem can be overcome with pick up service so that the use of private vehicles can be minimized. Some advantages can be gained from the pick-up service; it can be done door to door in accordance with the students’ schedules and it can help the parents who are in troubles in bringing and picking-up their children to schools. A planning and an evaluation on aspects of financial investment feasibility towards the students’ pick-up service are needed in order to match both the interests of service providers and the customers. This research used field survey method completed with interview method. The interview method was applied to gain primary data from related parties and from related institutions for the secondary data. Tariff calculation analysis based on the vehicle operational cost (VOC) used a method of Transportation Department, and the Ability to Pay (ATP) tariff and Willing to Pay (WTF) tariff were determined based on respondents’ income and their perceptions toward a tariff they expected. The result of the research shows that the ATP tariff for both routes is higher than WTF tariff; on route I the ATP is Rp. 569,76 per kilometer-  passenger (Rp. 4,273 per passenger) and the WTP tariff is Rp. 499,67 per kilometer-passenger (Rp. 3,748 per passenger), on route II the ATP tariff is Rp. 594,46 per kilometer-passenger (Rp. 3,864 per passenger) and the WTP tarrif is Rp. 554,56 per kilometer-passenger (Rp. 3,605 per passenger). Based on the estimation of the passengers, there are 97 vehicles estimated for route I and 38 for route II. Based on the tariff analysis, it can be recommended that tariff based on VOC + 15% margins is Rp. 797,47 per kilometer-passenger (Rp. 5,981 per passenger) for route I and Rp. 1,645,08 per kilometer-passanger (Rp. 10,693 per passenger) for route II. The financial evaluation analysis shows that the three criteria such as Net Future Value, Benefit Cost ration, and Internal Rate of Return for route I and route II are not feasible to be operated if they are operated both by personal and corporation agents.

scholarly journals Do Fund Size, Style and Rating Explain Performance?

2021 ◽  
Vol 16 (2) ◽  
pp. 1-26
Author(s):  
Jacob M Ongaki ◽  
Keyword(s):  
Mutual Fund ◽  
The United States ◽  
Fund Performance ◽  
Analysis Of Covariance ◽  
Financial Investment ◽  
Fund Families ◽  
Fund Size ◽  
Asset Managers ◽  
Better Than

The purpose of this quantitative investigation was to examine whether performance (1-Year, 3-Year, and 5-Year annual returns) differences exist among fund categories by size and style (large-cap growth, large-cap blend, mid-cap growth, and small-cap growth) and fund ratings (5-Star and 4-Star) controlling covariate variables (standard deviation, turnover rate, and top-10 holding) of the United States equity MFs. Morningstar Inc. provided an insightful measure of fund performance annual returns and fund efficacy ratings. The study utilized the Analysis of Covariance and Multivariate Analysis of Covariance methods. The investigation revealed that the large-cap growth fund category produced superior annual returns than other fund families. The five-star-rated funds performed better than the four-star-rated funds. Turnover and top-10 percentage asset holdings had a statistically significant effect on fund annual performance. Investors and asset managers should consider the fund style, size, fund ratings for making short-term, medium, and long-term financial investment decisions. Keywords: mutual fund, fund style, fund size, fund ratings, market return

Small Active Investors' Perceptions and Preferences Towards Tax Saving Mutual Fund Schemes in Eastern India

2017 ◽  
Vol 8 (2) ◽  
pp. 35-45
Author(s):  
Jitendra Kumar ◽  
Anindita Adhikary ◽  
Ajeya Jha
Keyword(s):  
Mutual Fund ◽  
West Bengal ◽  
Investment Decisions ◽  
Primary Data ◽  
Survey Method ◽  
Investment Behavior ◽  
Eastern India ◽  
Demographic Differences ◽  
Two Factors ◽  
State Capital

Perception and preference factor plays an important role and help the investor to understand and make the meaningful investment decisions. These two factors are highly influenced by demographic differences of an investor. The present study aims to examine the perception and preference factors influencing the investment behavior of an investor based on various demographics differences. Survey method of primary data collection techniques was adopted to collect responses of 750 respondents from Eastern India particularly (state capital or satellite towns having the population of 10,00,000) Bihar, Jharkhand, Odisha, West Bengal, Sikkim and Assam. Results of the present study suggest that significant demographics differences occur in investment perceptions and preferences towards tax saving mutual fund investments among the investors.

scholarly journals FACTORS INFLUENCING CROSS-SCREEN ENGAGEMENT IN YOUNG CHINESE USERS

2017 ◽  
Vol 18 (2) ◽  
Author(s):  
Shahid Kalim Khan ◽  
Guoxin Li ◽  
Ali Raza ◽  
Jaleel Ahmed ◽  
Imran Khan ◽  
...  
Keyword(s):  
Consumer Behaviour ◽  
Past Research ◽  
Primary Data ◽  
Survey Method ◽  
Young Generation ◽  
Frequent User ◽  
Screening Behavior ◽  
Self Image ◽  
Wide Range ◽  
The World

Cross-screen engagement has evolved as an important consumer phenomenon and its rapidly increasing in terms of frequency and opportunities it offers. This phenomenon is also coined as ‘multi-screening' which is defined as the simultaneous or sequential use of more than one screen to perform related or unrelated tasks. Multi-screening has a wide range of implications and it opens doors for various research opportunities. However, there is a lack of research in this context and our understanding of user’s adoption of multi-screening is not advocate since past research has focused on adoption behavior in a single device context. The young generation of China is tech savvy and they are the most frequent user of technological devices and gadgets in the world, therefore they are also considered trendsetters for other markets. This study is devoted to exploring multi-screening adoption in young Chinese. Survey method has been chosen for collecting primary data and a sample size of 262 was utilized for the analysis which employed PLS-SEM technique through SmartPLS 3.0. The findings revealed that autonomy, outcome expectancy and selfefficacy are successful predictors of multi-screening behavior whereas, self-image could not exhibit significant impact on the multi-screening phenomenon. Research implications are provided in the end. Keywords: Autonomy; Chinese Young Consumers; Consumer Behaviour; Cross-Screen Engagement; MultiScreening; Technology Adoption

Themes, Diction, and Prosodic Systems in Yoruba Lullabies

2019 ◽  
Vol 12 (1) ◽  
pp. 18-33 ◽  
Author(s):  
Olusanmi Babarinde ◽  
Elizabeth Babarinde
Keyword(s):  
Participant Observation ◽  
Cultural Beliefs ◽  
Survey Method ◽  
World Views ◽  
Scholarly Research ◽  
Long Term Consequences ◽  
Analyse Data ◽  
Descriptive Survey ◽  
Future Learning

Lullabies are essentially sung for their soothing nature but, as this article shows, they have other important functions. One of the most important of these is that lullabies may provide much-needed language stimulation with important long-term consequences for future learning. This paper begins the work of addressing the dearth of scholarly research on lullabies, especially in the Yoruba (Nigeria: Niger-Congo) culture. It looks at the range of themes, dictions, and prosody that are intertwined to reveal Yoruba beliefs and world-views about children, starting with their time in the womb. The study uses a descriptive survey method to analyse data collected through participant observation. It shows that Yoruba lullabies not only offer insights into Yoruba cultural beliefs but also depend greatly on figurative expression and prosodic systems. These rich literary qualities identify lullabies as the earliest sub-genre of children's poetry.

STABILITAS HARGA IKAN DI KOTA AMBON MELALUI PERAN COLD STORAGE, OPTIMASI PRODUKSI DAN EFISIENSI TEKNIS

2018 ◽  
Vol 2 (2) ◽  
pp. 74-84
Author(s):  
Stevanus Marelly Siahainenia ◽  
Dionisius Bawole ◽  
Eygner Gerald Talakua
Keyword(s):  
Cold Storage ◽  
Secondary Data ◽  
Raw Material ◽  
Primary Data ◽  
Survey Method ◽  
Production Factors ◽  
Flying Fish ◽  
Qualitative Descriptive ◽  
Installed Capacity ◽  
Space Capacity

The purpose of this study was to find out the function of cold storage in stabilizing fish prices in Ambon City, analyzing optimal production levels of various types of dominant fish, and analyzing the level of efficiency of utilization of cold storage and auxiliary machinery. This study uses the survey method. Primary data collection through questionnaires is built empirically while secondary data is obtained from several agencies related to this study. The research sample was drawn by exhausting sampling, amounting to 6 cold storage units in Ambon City. The role of cold storage to stabilize fish prices was analyzed using a qualitative descriptive approach, while the quantitative techniques used included analysis of optimization of cold storage production with linear programming and analysis of the efficiency of utilization of cold storage. The results of the study show that cold storage has not played a role properly to stabilize fish prices in Ambon City. To achieve optimal use of production factors, the cold storage management needs to reduce the raw material by 24,915.9 kg / month; 7 HOK / month workforce; cold storage storage space capacity of 2.09 kg / month; and demand for flying fish 1,402.6 kg / month, while the use of production factors efficiently (fully utulized) is the capacity of the freezing machine, demand for tuna, skipjack, and cob. The level of technical efficiency of the utilization of cold storage facilities is reached, the total use of installed capacity must be proportional to the capacity used.

PENGARUH PENDAPATAN RUMAH TANGGA TERHADAP KONSUMSI DAGING (SAPI, BABI DAN AYAM ) DI DESA SEA I KECAMATAN PINELENG

ZOOTEC ◽  
2014 ◽  
Vol 34 (2) ◽  
pp. 10
Author(s):  
Richie A.F. Osak ◽  
V V.J Panelewen ◽  
J. Pandey ◽  
I. D.R Lumenta
Keyword(s):  
Household Income ◽  
Household Head ◽  
Secondary Data ◽  
Meat Consumption ◽  
Research Problem ◽  
Chicken Meat ◽  
Primary Data ◽  
Survey Method ◽  
The Difference ◽  
The Village

ABSTRACT THE EFFECT OF HOUSEHOLD INCOME ON MEAT CONSUMPTION (BEEF, PORK AND CHIKEN) AT THE VILLAGE OF SEA I, PINELENG DISTRICT.This study aims to determine the magnitude of meat consumption (beef, porl and chiken) of household based on income levels in the Village of Sea I, Pineleng district and to determine the effect of household income on meat consumption (beef, porl and chiken) in the Village of Sea I, Pineleng district. Formulation of research problem is how much they purchased meat (beef, porl and chiken) consumption household in the Village of Sea I, Pineleng district. This study was conducted in the Village of Sea I, Pineleng district. Study was conducted using a survey method, and data were obtained through primary data and secondary data. Determination of the location (rural sample) in the study was conducted by purposive sampling method. Number of samples used in this study were 30 people. Data of this study were analyzed by descriptive and mathematical analysis methods. Income indicated the amount of income earned in a month household, whether they were from the household head or sourced from other household members who work and earn income. From the money earned, the highest number of respondents had incomes between 1.000.000 to 3.000.000/month with the percentage of 70 %, while the number of respondents with the smallest income was less than 1.000.000/month with the percentage of 16.67 %. The difference of income held by the respondents in the Village of Sea I, would have an impact on the amount of meat purchases each month. This was in accordance with the opinion Sukirno (2002) stating that most of the disposable income is used to buy food and clothing. Most of the meat consumed by people in the Village of Sea I was pork and chicken meat compared to beef, it was because the price of beef was relatively expensive compared to the price of pork and chicken meat. Based on research results, pork was the most meat consumed by family respondents about 21 families with the percentage of 70 % of respondents, followed by chicken meat about 18 families with the percentage of 60 % of respondents, and beef by 8 families with the percentage of 26 respondents, 67 % of domestic poultry and meat about 6 families with the percentage of 20 % of respondents. Based on the results of research, it can be concluded that household income significantly affect the consumption of meat in the Village of Sea I, Pineleng district and the average consumption of meat in the Village of Sea I, Pineleng district was about 8,9  kg/capita/year, below the national target of 10,3  kg/capita/year.   Key Words : Household income, meat consumption, Sea I Village.

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