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The IUP Journal of Applied Economics
ISSN: 0972-6861
A ‘peer reviewed’ journal indexed on Cabell’s Directory,
and also distributed by EBSCO and Proquest Database

April'18

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The IUP Journal of Applied Economics is a quarterly economics journal that analyzes the issues of micro, macro, development and energy economics. IJAE provides research articles on industrial economics, public finance, industry, and agricultural and rural economics.

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  • Financial Economics
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  • Energy Economics
  • Environmental Economics
  • Labor Economics
  • Development Economics
  • Agriculture and Rural Economics
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Uncovering the Ideal Technical Efficiency Movements of the Private Sector Hospitals of India
The Pattern of Financing Urban Unorganized Enterprises in Assam
Regional Integration and Foreign Direct Investment into ASEAN-5: An Augmented Gravity Model Analysis
The Impact of Economic Policy on Institutional Credit Flow to Agricultural Sector
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Contents
(April 2018)

Uncovering the Ideal Technical Efficiency Movements of the Private Sector Hospitals of India

--Shravani and Supran Kumar Sharma

An efficient organizational system saves time, money and human resource. In today’s era, considering the importance of hospital sector, it becomes necessary to identify different methods through which more patients would be served in a more effective way. Simultaneously, with such an immense pressure to work effectively, the hospital’s management needs to build strategies which would help optimal utilization of inputs to deliver maximum welfare. Keeping this in view, the present study attempts to measure the relative performance of the selected 30 private sector hospitals listed in National Stock Exchange of India, setting benchmarks for the inefficient hospitals and suggesting alternative actions that would make them relatively efficient.

The Pattern of Financing Urban Unorganized Enterprises in Assam

--Prasenjit Bujar Baruah

Existing literature states that a larger percentage of unorganized enterprises are dependent on their own fund or borrowing from informal sources to finance their business, as they have limited access to credit from Formal Financial Institutions (FFIs). This paper, based on primary data, tries to examine the pattern of financing the urban unorganized enterprises in Assam, India. The results indicate that borrowing from FFIs has larger share in the total amount of capital investment made by the sample entrepreneurs, although their own fund also has a significant share in it. However, larger percentage of working capital expenditure is made through own fund of the entrepreneur. Borrowing from Semi-Formal Financial Institutions (SFFIs) and informal sources also has an important role in financing the enterprises. A logit model is estimated for the determinants of unorganized entrepreneurs’ access to credit from FFIs for business expenditure. Relatively larger and registered enterprises are found to have more probability to get access to credit from FFIs.

Regional Integration and Foreign Direct Investment into ASEAN-5: An Augmented Gravity Model Analysis

--B P Sarath Chandran

Regional integration and capital inflows can be closely related to each other. Enlarged market through regional integration is an attraction for large-scale Foreign Direct Investment (FDI) inflow to take advantage of the opportunities present in the region. The intangibles present in the host countries, the availability of skill set among member countries, investment provision in the agreements and the location of the FDI source countries, among others, play an important role in attracting FDI into the integrated region. The present paper uses a panel data augmented gravity model to study the bilateral FDI inflows into original ASEAN-5 (Association of Southeast Asian Nations) countries after the initiation of trade and investment integration. The dataset for the study consists of 85 bilateral investment country pair for the period 1995-2015 across 14 variables with total data points of 24,990. Estimation techniques such as pooled ordinary least squares, fixed effect with vector decomposition and random effects model are employed to get an efficient estimate. The paper finds that there is a steady increase in FDI inflow into ASEAN countries and ASEAN integration positively influenced FDI inflow into the region. The economic, institutional and infrastructural factors that played an important role in attracting FDI inflow into host countries include per capita income, distance, economic globalization, economic freedom, government integrity in dealing with corrupt practices and telephone density.

The Impact of Economic Policy on Institutional Credit Flow to Agricultural Sector

--E P Sengottuvel and C Ganeshkumar

The macro level determinants of the institutional credit flow to agriculture occupy a crucial position in an emerging economy like India. The aggregate level of agricultural credit may well be considered as the combined result of macroeconomic policies transmitted through different channels. The main aim of this study is to examine the inter-linkage between the institutional credit to agriculture and the macroeconomic variables. To attain this objective, the study develops a model by considering several theories, focusing only on commercial banks. This study uses vector autoregression procedure to estimate the relationship. The results of the study confirm that there is considerable response of institutional credit to macroeconomic variables and this proves that agriculture sector is not insulated.

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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