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The IUP Journal of Entrepreneurship Development


An Empirical Study of the Factors Affecting the Use of ICTs Among Indian Women Entrepreneurs

--Anu Kohli and Neha Tiwari

The study seeks to assess the various factors which affect the use of Information and Communication Technologies (ICTs) by urban women entrepreneurs in India. The study explores the gender disparities and various endeavors by governments and non-governmental agencies in promoting ICT use among women in India. The paper also assesses the frequency of ICT usage, variety of traditional and modern forms of ICTs and perceived benefits of ICT used by urban and educated women entrepreneurs in India. The study also attempts to analyze whether the level of education of women entrepreneur, type of enterprise (service/manufacturing), form of enterprise and the years of operation have any effect on these factors. The study concludes that urban and educated women entrepreneurs use ICTs on a regular basis and respondents perceived that it gave them exposure to new opportunities and boosted their confidence. Type of enterprise chosen had an impact on their interest in learning and their perception about power shortage. Their level of education impacted their awareness about the financing schemes. The years of operation had a significant impact on their perception about power shortage and male dominance. The form of ownership had a significant impact on training received by them and their preference for business expansion through e-commerce.

The Effectiveness of Self-Help Groups in Improving the Economic Condition of Women Entrepreneurs in Varanasi

Strengthen the Small to Strengthen the Nation: Insights on HR Issues in SMEs

--Swetha Thiruchanuru

A system is considered to be strong when its smallest individual components are strong, self-organized and controllable. Likewise, the strength of the nation depends on the functioning of its small-scale industries. If cells are prone to disease, the body becomes weak irrespective of its shape and size. Likewise, if the nation ignores its small-scale industries, it has a negative impact on the nation’s economy. Thus, a well-organized small-scale industry is the strong quantum for large-scale production. Fortunately, in recent times, the development of small-scale industries in India has been taken up as one of the major areas of concentration by the government. The present study, therefore, makes an attempt to examine the human resource issues and identifies the problems related to human resources of Small and Medium Enterprises (SMEs) in Rayalaseema region, and the findings of this work have considerable relevance when the need to run SMEs on modern techniques of management is felt at all levels. Further, the findings of this research have considerable relevance when important policy decisions are being contemplated at regional level in respect of decentralized SMEs in the region. The entrepreneurs will also be benefited by the studies of this nature. They can make use of the conclusions and suggestions for their effective functioning, and in prudent management of their finances, resources and labor.

Poverty Alleviation and Development Through Entrepreneurship: Initiatives of KSDC for SCs and STs Ltd.

--Prakash C, Sindhu K S and Nebu Cherian

The Indian economy is transiting through a momentous phase of development. From a predominantly agrarian economy, which had a sprinkling of industrial units at the time of independence, it has developed extensive manufacturing capabilities over a wide spectrum of industries. Entrepreneurship is an occupational enterprise taken at a personal level. It involves financial risk, quick decision, innovative adaptation, continuous investment and above all a temperament for profit making and development. It is a well accepted fact that human resource is the most crucial and valuable of all resources which a nation can possess. In spite of this, it is often observed that a huge population is a big burden. This is because of the fact that we have inadequate resources to support the population. This creates problems of malnutrition, illiteracy, unemployment, poverty and low quality of human life. This brings us to the natural conclusion that it is the quality that matters and not the quantity. The present study attempts to analyze the pattern of lending schemes of Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes Limited comparing it with the lending schemes of commercial banks. The lending schemes of commercial banks are directed towards scheduled castes and scheduled tribes under priority sector lending but are not similarly attractive. In spite of this, the utilization patterns of loan are still very dismal.



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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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