https://mjar.singhpublication.com/index.php/ojs/issue/feed Management Journal for Advanced Research 2025-03-31T10:54:00+0530 Mr. Pema Lama mjar@singhpublication.com Open Journal Systems <p>Management Journal for Advanced Research is a bi-monthly, online, double blind peer reviewed open access international journal. This journal publish research papers from all the discipline of management related subjects. Published papers are freely accessible online in full-text and with a permanent link to the journal's website.</p> <p><strong>JOURNAL PARTICULARS</strong></p> <p><strong>Title:</strong> Management Journal for Advanced Research<br /><strong>Frequency:</strong> Bimonthly (6 issue per year)<br /><strong>ISSN (Online):</strong> <a href="https://portal.issn.org/resource/ISSN/2583-1747" target="_blank" rel="noopener">2583-1747</a><br /><strong>Publisher:</strong> Singh Publication, Lucknow, India. (Registered under the Ministry of MSME, Government of India. Registration number: “UDYAM-UP-50-0033370”)<br /><strong>Chief Editor:</strong> Mr. Pema Lama<br /><strong>Copyright:</strong> Author<br /><strong>License:</strong> Creative Commons Attribution 4.0 International License<br /><strong>Starting Year:</strong> 2021<br /><strong>Subject:</strong> Management <br /><strong>Language:</strong> English<br /><strong>Publication Format:</strong> Online<br /><strong>Contact Number:</strong> +91-9555841008<br /><strong>Email Id:</strong> mjar@singhpublication.com<br /><strong>Journal Website:</strong> <a href="https://mjar.singhpublication.com">https://mjar.singhpublication.com</a><br /><strong>Publisher Website:</strong> <a href="https://www.singhpublication.com/" target="_blank" rel="noopener">https://www.singhpublication.com</a><br /><strong>Address:</strong> 78/77, New Ganesh Ganj, Opp. Rajdhani Hotel, Aminabad Road, Lucknow-226018, Uttar Pradesh, India.</p> https://mjar.singhpublication.com/index.php/ojs/article/view/183 Navigating the Evolution: Transitioning from Transactional to Relationship Marketing: A Case of Banking Institution in Kalyani Town in Nadia District 2025-01-28T13:15:16+0530 Indrani Majumder indrani.m09@gmail.com <p>The concept of the Marketing Continuum, initially introduced by Grönroos (1994, 1996), signifies a fundamental shift in marketing paradigms. Positioned at opposite ends of this continuum are two distinct orientations: transaction marketing and relationship marketing. At the leftmost point, transaction marketing emphasizes the maximization of economic gains within the exchange between seller and buyer. This approach prioritizes the individual transaction, competition, and firm-centric value, where the buyer is perceived as passive, the firm is viewed as the central authority, and interactions are short-term and independent, with a clear delineation of boundaries.</p> <p>Conversely, relationship marketing, positioned at the continuum’s right end, advocates for a more collaborative and cooperative approach. Here, the focus is on long-term partnerships, with both firms and buyers seen as active participants in a dynamic, interdependent process. The firm's role becomes integral to the process, and boundaries are blurred, fostering a networked environment. Relationship marketing emphasizes a long-term commitment, interdependence, and customer-centric strategies, such as database marketing, interaction marketing, and network marketing.</p> <p>In this context, the present study will examine various facets of relationship marketing, seeking to explore its practical application within the marketing field. Additionally, the research will gather feedback from customers within selected regions of West Bengal, specifically focusing on the banking sector, to assess the real-world impact of relationship marketing practices.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Indrani Majumder https://mjar.singhpublication.com/index.php/ojs/article/view/185 A Comparative Study on the Digital Services Offered by Commercial Banks and Mobile Network Operators (MNOs): A Survey of Standard Chartered Bank Lusaka Customers 2025-02-28T11:27:14+0530 Sophia M Temba sophia.temba@gmail.com Bupe M Mwanza mail2mjar@gmail.com <p>This study aimed to compare the utilization of digital financial services provided by Standard Chartered Bank (SCB) and mobile network operators (MNOs) among customers in Lusaka, Zambia, with the ultimate goal of enhancing financial inclusion. The specific objectives included analyzing usage trends, examining determinants affecting customer choices, and identifying potential improvements based on customer experiences and expectations. A mixed-methods approach was employed, combining quantitative survey data with qualitative insights. The findings revealed that MNOs were the most frequently used digital financial service providers, with 39.7% of respondents indicating a preference for services like MTN Mobile Money and Airtel Money. SCB also had a significant user base, with 36.2% of respondents utilizing its digital financial services. Convenience emerged as the most influential factor in determining customer choices, followed by security and ease of use. However, several challenges were identified, including the complexity of services, poor customer service, and lack of awareness. The study also highlighted significant differences in satisfaction levels across different income groups, suggesting that income influences perceptions of service quality. Based on the findings, the study recommends simplifying user interfaces, enhancing security measures, increasing awareness and education, improving customer support, and expanding service features to address the identified challenges and promote greater financial inclusion. These recommendations aim to guide policymakers, financial institutions, and service providers in developing more user-centric and effective digital financial solutions. The study concludes that addressing these areas can significantly improve the user experience and increase the adoption of digital financial services, thereby advancing financial inclusion in Zambia.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Sophia M Temba, Bupe M Mwanza https://mjar.singhpublication.com/index.php/ojs/article/view/184 Effect of Financial Leverage on Financial Performance of Indian Public Sector Banks 2025-02-23T13:15:14+0530 Priyata Chaudhury priyatamother@gmail.com <p>The study aims to analyse the effect of financial leverage on financial performance of Indian Public Sector Banks using random effects regression model. The model is based on panel data consisting of 12 Indian Public sector banks studied over a period of 14 years from financial year 2010-11 to 2023-24. Financial performance is measured using Return on Equity (ROE) and financial leverage is measured using Debt-to-Equity ratio (DE) and Debt-to Total Assets ratio (DTA). It is observed that Return on Equity (ROE) bears a positive significant relationship with Debt-to-Equity ratio (DE) and Debt-to Total Assets ratio (DTA). The results are in consonance with agency cost theory and other empirical studies. The study indicates the efficient use of debt capital by the Indian Public Sector Banks in increasing the return to its shareholders. Financial leverage helps in increasing returns to shareholders, when the profit generated exceeds the debt-servicing costs.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Priyata Chaudhury https://mjar.singhpublication.com/index.php/ojs/article/view/190 Role of Academic Incubators in Promoting Entrepreneurship and Entrepreneurial Skills among Students in India 2025-03-10T17:44:27+0530 Nazia Sultana mail2mjar@gmail.com Akkinapally Yugendhar dr.yugendhar@gmail.com <p>In order to promote entrepreneurship and new business ventures, particularly in developing nations like India, business incubators must be integrated into universities. Due to their youth and lack of financial responsibilities, many students are more inclined to take chances and pursue entrepreneurial endeavors. The purpose of this paper is to examine the value of academic incubators in India, their function in fostering entrepreneurial abilities, and their role in the launch of new businesses. The paper offers insights into how universities can better prepare students for entrepreneurial success by analyzing the opportunities and challenges in the current academic incubation landscape.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Dr. Nazia Sultana, Akkinapally Yugendhar https://mjar.singhpublication.com/index.php/ojs/article/view/189 Enhancing India's Economic Integration with Eurasia: The Strategic Role and Evolving Dynamics of the International North–South Transport Corridor (INSTC) 2025-03-08T19:12:03+0530 Amaan Anjum amaan.anjum@gmail.com <p>India’s ambition to become a global economic powerhouse is increasingly linked to its ability to diversify export routes and secure a stable supply of energy resources. The International North–South Transport Corridor (INSTC) has emerged as a pivotal multimodal network that connects India to Russia, Europe, and Central Asia via Iran. By offering a route that is up to 40 percent shorter and 30 percent cheaper than traditional maritime channels such as the Suez Canal, the INSTC represents both an economic and strategic alternative amid rising geopolitical uncertainties and logistical bottlenecks. This paper synthesizes insights from extended gravity model analyses, policy briefs, and empirical studies to examine the evolution, operational challenges, and future prospects of the INSTC. Data from recent sources indicate that while India’s exports to INSTC member countries stood at approximately US$20 billion in 2022, there exists a latent potential estimated at nearly US$180 billion if infrastructural and regulatory challenges are resolved. The analysis reveals that the corridor not only reduces transportation costs and transit times but also fosters network spill overs through the creation of regional logistics hubs. Moreover, in a geopolitical landscape marked by sanctions on traditional trade routes and emerging alternatives such as China’s Belt and Road Initiative (BRI), the INSTC offers a counterbalance that enhances India’s strategic autonomy. Policy recommendations include accelerating intermodal infrastructure investments, harmonizing customs and regulatory procedures, and devising innovative financial mechanisms to overcome banking and insurance challenges. Overall, the INSTC is positioned as a transformative enabler that can reshape regional integration, boost export competitiveness, and reinforce India’s energy security.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Dr. Amaan Anjum https://mjar.singhpublication.com/index.php/ojs/article/view/191 CAMEL Analysis of Selected Scheduled Commercial Banks in India 2025-03-11T21:27:24+0530 Dipak Kundu dip11091979@gmail.com Nilendu Chatterjee nilubsc87@gmail.com <p>The Indian banking sector has undergone significant changes over the past few decades, influenced by economic reforms, technological progress, and regulatory shifts. Scheduled Commercial Banks (SCBs) play a crucial role in the financial system by bridging the gap between depositors and borrowers. To evaluate their performance and stability, the CAMEL framework is widely employed. CAMEL represents Capital Adequacy, Asset Quality, Management Efficiency, Earnings Strength, and Liquidity. This paper offers a detailed analysis of selected Scheduled Commercial Banks in India using the CAMEL model, incorporating mathematical equations and empirical findings. The present study sheds light on the financial health of selected scheduled commercial banks in India, including public banks, private banks, foreign banks while providing valuable insights into their operational efficiency, risk management strategies, and profitability. </p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Dipak Kundu, Nilendu Chatterjee https://mjar.singhpublication.com/index.php/ojs/article/view/194 Effect of Forensic Data Analysis on Fraud Detection of Listed Firms in Nigeria 2025-03-31T10:54:00+0530 Abubakar Umar Maidarasu abbanumar1@polac.edu.ng Joseph Femi Adebisi mail2mjar@gmail.com Sunday Mlanga mail2mjar@gmail.com <p>This study examines the effect of forensic data analysis on fraud detection in listed firms in Nigeria. Fraudulent activities pose a significant threat to corporate governance, financial transparency, and investor confidence. With the rising complexity of corporate fraud, forensic data analysis has emerged as a critical tool in fraud detection. This study employs a quantitative research design, analyzing financial data from listed firms using statistical and forensic techniques. The findings reveal a significant positive relationship between forensic data analysis and fraud detection, indicating that the adoption of forensic tools enhances the ability to identify and prevent fraudulent activities. The study also highlights that firm-specific characteristics such as size, audit committee effectiveness, and regulatory compliance moderate the impact of forensic data analysis on fraud detection. The results underscore the necessity for organizations to integrate forensic data analytics into their risk management frameworks. Furthermore, the study recommends increased investment in forensic technologies, capacity building for auditors, and stricter regulatory oversight to enhance fraud detection effectiveness. Despite its contributions, the study is limited by data availability and potential biases in reported fraud cases. Future research could explore industry-specific applications of forensic data analysis and comparative studies across different regulatory environments.</p> 2025-02-28T00:00:00+0530 Copyright (c) 2025 Abubakar Umar Maidarasu, Joseph Femi Adebisi, Sunday Mlanga