International Journal of Management, Public Policy and Research

A STUDY ON THE IMPACT OF SUBSCRIPTION-BASED MODELS ON CONSUMER BUYING BEHAVIOUR WITH RESPECT TO E-COMMERCE PLATFORMS

Kavit Anjaria, Aayushi Patel — Tue, 14 Jan 2025 00:00:00 +0000

Subscription services have transformed the e-commerce landscape from its early origins to a $196.35 billion industry, providing benefits such as convenience and predictable revenue streams. This study examines the impact of subscription-based models on consumer buying behaviour within the e-commerce sector, focusing on factors influencing adoption, customer loyalty, and satisfaction. Employing a descriptive research design with a sample of 206 respondents from Ahmedabad, the study utilized non-parametric statistical methods due to non- normal data distribution. The findings reveal a significant relationship between subscription duration and overall spending, a strong correlation between consumer satisfaction and loyalty, and a notable impact of perceived service quality on subscription continuation. These insights highlight the critical role of high service quality in retaining and expanding subscription bases and offer practical recommendations for businesses to optimize their subscription models. Future research should explore a broader range of e-commerce platforms and diverse consumer demographics to enhance understanding of subscription dynamics.

CURRENT STATUS OF NON-PERFORMING ASSETS OF BANKING SECTOR OF INDIA WITH SPECIAL REFERENCES TO CAUSES AND GOVERNMENT INITIATIVES

Dr. Sukanta Sarkar — Tue, 14 Jan 2025 00:00:00 +0000

The objective of the study is to examine the current status of non-performing assets of banking sector of India. It has found that non-performing assets is a bigger challenge of our banking sector. Such asset is the burden in any financial institution. It exists in more or less in any type of banking institution. Gross and net non-performing assets of scheduled commercial banks are declining since 2018-19. In scheduled commercial banks, public sector banks have the higher non-performing assets then the private bank, regional rural banks and foreign banks. Rural Co-operative Banks has higher non-performing assets then the urban cooperative banks. Non-performing assets affect bank’s profitability, and revenues. Due to the recession and slowdown in demand, companies are unable to pay debts. This has led to debt accumulation and increased non-performing assets. The Reserve Bank of India has taken various measures to address the non-performing assets problem. Measures related to management processes, technological integration and specific business strategies aimed at immediate reduction and long-term adaptation.

EVALUATING THE FINANCIAL PROBLEMS AND PROSPECTS OF MICRO AND SMALL-SCALE ENTERPRISES OF AHMEDABAD CITY

Ashokkumar Rathod; Jayvirsinh Vaghela, Kuldip Parikh, Nikul Parmar — Tue, 14 Jan 2025 00:00:00 +0000

Micro, Small, and Medium Enterprises (MSMEs) are pivotal to economic growth, contributing significantly to employment and industrial development. Despite their importance, these enterprises frequently encounter financial challenges that hinder their growth and stability. This study explores the financial issues faced by MSMEs through a sample of 120 respondents from Ahmedabad city, using a detailed questionnaire to collect data. The research reveals that MSMEs, especially those in urban areas and engaged in manufacturing, face varied financial difficulties influenced by their business nature and ownership structure. Key findings highlight a predominant reliance on personal savings and informal financial sources, indicating gaps in formal financial support. The study's originality lies in its targeted analysis of different enterprise profiles and financial solutions, offering insights into improving financial assistance tailored to MSME needs. The results underscore the need for policy interventions and innovative financial products to better support these vital enterprises.

DIGITAL PAYMENT ECOSYSTEM IN INDIA: A STUDY ON INTEROPERABILITY DURING THE COVID-19 CRISIS

Princee Gupta — Tue, 14 Jan 2025 00:00:00 +0000

The Prime Minister's plan, the "Digital India Program," will spur innovation across all industries. The COVID-19 period increase the use of digital payment system because of the social distancing rules and lockdown situation. During COVID-19 period, there is a need to quickly transform traditional payment mode to digital payment mode. The world need to adapt new ways of life and work. Since 2016, government has made a concerted effort to promote online payments, beginning with demonetization. Many digital and Indian economic actions were motivated by "Digital India" campaign., unstructured support data (USSD), the Aadhaar Enabled Payment System (AEPS), integrated payments, Bank car bank prepaid cards, and other ways of digital payment are available in India. The COVID-19 pandemic has significantly accelerated the adoption of digital payment systems across India, highlighting the critical role of interoperability in the digital payment ecosystem. This research explores the interoperability of various digital payment platforms in India during the COVID-19 crisis, examining how seamless integration between different payment systems, such as Unified Payments Interface (UPI), mobile wallets, and traditional banking channels, contributed to the broader acceptance and usage of digital payments. The study investigates the role of government initiatives and policies in enhancing system compatibility. Through a combination of qualitative and quantitative data, the research highlights the lessons learned during the pandemic, provides insights into the strengths and weaknesses of India’s digital payment infrastructure, and proposes recommendations for future improvements to ensure a more inclusive and efficient digital payment ecosystem. Here, we explore scenarios of increase in the amount of digital payment system pre and post COVID-19 period in India.

THE IMPACT OF GOVERNMENT POLICIES AND FOREIGN DIRECT INVESTMENT ON THE GROWTH DYNAMICS OF THE INDIAN CONSUMER DURABLES MARKET: A COMPREHENSIVE ANALYSIS

Mr. Rinkeshkumar G. Mahida — Tue, 14 Jan 2025 00:00:00 +0000

The present research aims to examine the effects of technical improvements, FDI, and government regulations on the growth dynamics of the consumer durables industry in India. Through an examination of current patterns, market division, output capacities, and the function of foreign direct investment, the study seeks to provide a thorough grasp of the industry's share of India's GDP and the forces influencing consumer demand. The results show that higher FDI inflows and supportive government policies greatly accelerate market expansion, while technical developments also further improve consumer preferences. Raising disposable incomes and evolving lifestyles appear as crucial factors influencing consumer demand, and the industry's division into brown and white items impacts the allocation of market share among major competitors. The research uses regression analysis to find important correlations between these factors, emphasizing how innovation, e-commerce, and government regulations work together to create a strong market environment. The enhancement of market dynamics via trade policies and the Production-Linked Incentive (PLI) Scheme highlights the need to implement strategic policies. To maintain development in the consumer durables industry, the report closes with recommendations for bolstering regulatory frameworks, encouraging foreign direct investment (FDI), and funding technical innovation. Policymakers, business stakeholders, and investors who want to take advantage of new possibilities and solve problems in an ever-changing market need to know these insights. Because of the study's thorough methodology, it is possible to find strategic avenues for future growth and get a helpful foundation for comprehending the many impacts on the Indian consumer durables industry.