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The IUP Journal of Entrepreneurship Development

December' 07

Women Entrepreneurs: Challenges Faced

-- Prema Basargekar

This paper analyzes the evolution of various concepts and definitions of entrepreneurship with special reference to women. It provides the present scenario of women entrepreneurs in India and the various challenges, which they are facing in the changing global scenario. It then focuses on marketing challenges faced by women entrepreneurs, and the various strategies used by them and related organizations to overcome the challenges.

Perspectives on Women Entrepreneurship

-- B Sobha Rani and D Koteswara Rao

This paper discusses the socio-demographic attributes of women entrepreneurs; factors influencing the motivation of women to become entrepreneurs; and selection of enterprises in industry, service and business. The proposition, accelerating the pace of women entrepreneurship, is essential for broad-basing entrepreneurship in various sectors of the economy. For facilitating this, it is important to understand the prerequisites and guidelines for developing entrepreneurial qualities among women. The evidence from empirical studies presented in this article can serve as the basis for formulating strategies for the future, and for supporting women entrepreneurship in a sustained manner.

Marketing Management and Entrepreneurship Development in a Tribal Dominated Economy: A Case Study of Small Scale Industries in East Khasi Hills District of Meghalaya

-- Nirankar Srivastav and Ricky A J Syngkon

The objective of this paper is to analyze the various emerging aspects of Small Scale Industries (SSIs) in the East Khasi Hills district of Meghalaya, a state located in the Northeastern region of India. The demography of this district is such that it is dominated by Khasi tribes. This district has the highest number of SSIs and is the most economically active district among all the seven districts of Meghalaya. This study is based on primary industrial field survey conducted during 2004-05. It reveals that most of the SSIs are adopting direct selling marketing strategy rather than indirect selling strategy and produce the product mainly to cater the local market demand. A majority of entrepreneurs are educated and first generation tribal entrepreneurs. More than one fourth of them are women entrepreneurs. Yet the SSIs are at the preliminary developing stage in the district and yet to make a significant contribution to the growth of the state economy in a significant way. It is recommended to develop additional industries in the district, in particular, and the state in general, which leads to economies of scale and technical advantage to take the state economy on rapid growth trajectories.

Self-Employed Women's Association (Sewa): Empowering Women in India

-- Vidya Kamble and Sanjib Dutta

Alternative Knowledge Strategies, Competitive Environment and Organizational Performance in Small Manufacturing Firms

-- This research was done by Paul E Bierly and Paula S Daly
. Summarized by Arpita Agnihotri

This study examines the relationship between knowledge strategy (exploitation or exploration) performance in Small and Medium Enterprises (SMEs), and also the possible moderating role of external environment variables, i.e., industry dynamism, industry munificence and technology on firm's performance. Exploration strategy has been found to have a linear impact on performance, while the relationship between exploitation strategy and performance is concave. Additionally, it has been found that the competitive environment moderates the relationship between exploitation strategy and performance, such that exploitation strategy has a stronger impact on performance in stable and high-tech environments than in dynamic and low-tech environments. Exploration strategy also has a stronger impact on performance in high-tech environment than in low-tech environments.




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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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