|Sr.||Title of Research Paper/Article||Author||e-Certificate||Download|
|1||Opportunities and Challenges in Rural MarketingAbstract – In our study, we are going to explain the issues and Opportunities coming in the area of Rural Marketing. We are going to explain the different types of strategies to be adopted for grapping growing market in rural areas by the firms for being successful in their business. How they should make the products for low income group and attract them towards their product. What should they communicate or advertise their product in rural market is also discussed. Rural Marketing is growing at very fast rate and this is very important area to focus by the firms to do business in villages. In India 60 % of population lives in villages and their demand is also increased post 1990’s compared to urban areas.||Priyanka Singh|
|2||To Study the Extent of Financial Products in Public and Private Banks with Specific Reference to Comparison of PNB and HDFC BankAbstract – The article mainly deals with making the comparison between the product offered by public and private sector Banks with special reference of PNB and HDFC banks. And it also makes the comparison between the services offered by the two and the prospective of customers towards the banks with the help of questionnaire.||Mayank Kumar|
|3||Issues and Challenges of Electronic Payment SystemsAbstract – Electronic payments are financial transactions made without the use of paper documents such as cheques. Electronic payments include debit card, credit card, smart card, e-wallet, e-cash, electronic cheques etc. E-payment systems have received different acceptance level throughout the world; some methods of electronic payments are highly adopted while others are relatively low. This study aimed to identify the issues and challenges of electronic payment systems and offer some solutions to improve the e-payment system quality.||Rachna et al.|
|4||Critical Analysis of Growth of Democracy in WestAbstract – Democracy in the simplest words, of Abraham Lincoln, is the government of the people, by the people and for the people. It is a rule by will of the majority of the citizens. To arrive at a proper concept of democracy, the rise and growth of this political concept in both the West and the East, has been discussed. Its gradual development in the West from the time of Homer to the present concept of liberal democracy has been traced. In West, the concept of democracy found opposition in writings of Plato and Aristotle. The concept of mixed democracy that is a combination of aristocracy and democracy emerged with support of philosophers like Aristotle, Polybius and others. With time came Hobbes, Rousseau and Locke’s social contract theory which advocated for the consent of the people to be important in any form of rule. This laid the foundation of modern democratic states. In the eighteenth century with American and French revolutions democracy got a written form and by twentieth century the notion of democracy in West got fully evolved.||Dr. Mohd. Shezan Tariq|
|5||Agricultural Financing by District Co-operative Banks in HaryanaAbstract – Agricultural finance has played a very important role in supporting farm production in India. Though the out – reach and amount of agricultural financing have increased over the years, a number of weaknesses have sneak in which have affected the feasibility and sustainability of these institutions. Following the shifts in consumption and dietetic patterns from cereals to non-cereal products, a silent change is taking place in rural areas calling for diversification in agricultural production and value addition processes in order to guard employment and incomes of the countryside population. Money lenders were the only foundation of credit to agriculture till 1935. They use to charge very high rates of interest and follow non – formal practices while giving loans and recovering them. As a result, farmers were deeply burdened with debts and many of them perpetuated debts. With the passing of Reserve Bank of India Act 1934, District Central Cooperative Banks Act and Land Development Banks Act, agricultural finance received momentum and there were improvements in agricultural financing. Thereafter, banks credit to agriculture made unique progress by opening branches in rural areas and attracting deposits. Till 14 major commercial banks were nationalized in 1969, Co-operative Banks were the major institutional agencies providing finance to agriculture.||Prem Singh|
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