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The IUP Journal of Entrepreneurship Development


Factors Influencing the Performance of Microenterprises in India: A Case Study of Jharkhand

-- Taniya Sinha and Mitali Sen

Microenterprises contribute significantly to the economic growth of a country. The role played by the microenterprises in India is immense and is one of the most effective vehicles for sustainable livelihood, poverty alleviation and employment generation. The present paper tries to identify the key socio cultural and organizational factors that affect the performance of the microenterprises in the state of Jharkhand. The sample for the study comprises of 41 microenterprises in Dhanbad district of Jharkhand state. These microenterprises have been surveyed by administering a questionnaire to the owners of the microenterprises. The questionnaire has been designed to obtain the data on the nature of enterprise and the demographic profile of the entrepreneurs. Multiple Regression Analysis was used to analyze the influence of the key factors on the performance of the microenterprises. The findings of the study show that only three factors, viz., age of the enterprise, human capital inputs and management capability influence the performance of the microenterprises.

Leveraging Entrepreneurship in a Competitive Environment

-- Habiba Hussain

Education plays a vital role in bringing about development in the society and the quality of higher education cannot be ruled out. Teachers have a great responsibility in creating awareness among the students about different entrepreneurial opportunities available in the society and also in nurturing their interests and preparation for self-employment as a career alternative. Quite often students do not venture into an unknown zone due to lack of sufficient knowledge and skills. Studies have proved that entrepreneurship is more appreciated during economic depression (Schumpeter, 1947). This paper offers views regarding different entrepreneurial traits that are often considered to be important for unprecedented economic fulfillment. The teachers willing to produce confident learners, those who can shoulder the risks and uncertainty of using economic resources in a new way, need to rethink about their teaching methodology and have to depart from the traditional lecture method.

Analytical Study of Bank Finance to Women Entrepreneurs in Selected Five Banks in Ahmednagar District

-- Madhavi S Patgaonkar

Nationalized banks have played a vital role in the development of industrial sector in the urban and rural areas of Ahmednagar district. Commercial banks are the main financial institutions financing the projects. More number of bank branches are established in the developed areas compared to the undeveloped blocks. Indian bankers are still adverse in taking risks and do not lend without adequate tangible securities or guarantors. The concept of looking into the merit of the women entrepreneurs and their business viability has not reached the banks yet; they do not fit into the banks' pre-contractual perceptions of entrepreneurs. The need of the hour is a nucleus center in each industrial area where all these services are provided through it. Bank credit acts as a great support to women entrepreneurs in entering the new field of enterprise and also in facing the problems related to finance.

Breaking the Glass Ceiling: Female Leaders in the Global Marketplace

-- Grace S Thomson

The increasingly important role of women in business in the US and globally has been recognized by scholars and practitioners. The growth and sustainability of a firm competing in the global arena depends on the priority that corporations give to retaining, advancing, and empowering female talent (PricewaterhouseCoopers, 2008). The purpose of this qualitative case study and literature review is to explore the macro and micro views about gaps in female leadership in the global arena. The following variables are analyzed: worldwide state of gender gaps, trends of women's role in global leadership; representation of women in international senior management and barriers to women's participation in global leadership. Upon the exploration of gender gaps, the study will include a proposed model of perceived risks of female global roles, from an American perspective. The findings of this study are intended to assist leaders in increasing the strategic fit of female executives in global environments, through initiatives to develop women's leadership.

Stay Hungry Stay Foolish

-- Rashmi Bansal
Diganta Chakrabarti



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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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