Management Journal for Advanced Research

An Analysis of Consumer Perception for Unified Payment Interface (UPI) with Demographic Perspective

Sonia Goyat, Vipin Nandal — Mon, 30 Jun 2025 00:00:00 +0530

Unified Payment Interface (UPI) system launched with various innovative features and now it is in progressing mode but to maintain its growth in future it is necessary to know consumer perception for UPI. The main objective of this paper is to analyse the perceptions for different variables of UPI and also to identify existence of any difference in consumer perception on the basis of demographic factors such as Gender and Residential area. This study is conducted using primary data gathered from 453 UPI consumers from Haryana and Delhi NCR. Descriptive statistics and Independent sample t-test used for analysis. The study found that consumer has positive perception for all UPI variables but degree of agreement is different. The perception of UPI consumer on basis of residential area are not significantly different but there is difference in opinion of male and female for “Convenience, accessibility, Rewards and Support service” UPI variables.

An Empirical Study Using Meta-Analysis to Learn How Social Media Affects Organic Consumer Goods Purchase Behaviour

Rudresh S, Manu Vasudevan Unni — Mon, 30 Jun 2025 00:00:00 +0530

The research indicates a steady increase in the population interested in consuming organic food. This interest has primarily been motivated by health concerns. Despite extensive research on many aspects of organic food consumption, no study has comprehensively examined the factors influencing consumers' perceptions of organic products or their purchasing behaviours regarding organic commodities. This is despite the extensive study conducted on organic food consumption. We utilise a sample of 124,353 customers interviewed for one of the 150 research published between 1991 and 2016 to conduct a meta-analysis examining the variables influencing consumers' preferences for purchasing organic food. The articles were disseminated from 1991 to 2016. From 1991 to 2016, these studies were disseminated in scholarly journals. The findings indicate that the search and experience attributes of organic foods are not regarded as highly as their credibility aspects. This illustrates that consumer beliefs regarding the benefits of organic food versus conventionally produced food are the primary impetus for the industry. The results indicate that search and experience characteristics are not less relevant than credence attributes; instead, they reveal that credence attributes substantially influence customers' decisions regarding organic food purchases. The ability to understand consumer perceptions regarding search, experience, and credibility factors can offer organic producers and sellers a distinctive marketing advantage and a unique selling proposition for their products.

Future Learning Ecosystems: How Outsourcing is Transforming Education

Mon, 30 Jun 2025 00:00:00 +0530

As the education system undergoes changes, outsourcing acts as a breakthrough method for delivering learning experiences to institutions. Future Learning Ecosystems: How Outsourcing is Transforming Education reviews the strategy-driven choice of outsourcing in curriculum design, technology support, student services, and administrative functions. With third-party support, institutions can offer true scalability and cost-effectiveness by focusing on specific programs to cater to individual learning requirements. In the face of unprecedented digital acceleration, we examine how outsourcing allows educational institutions to be agile in AI-based personalized systems, virtual labs, and collaborative platforms without heavy on-premise implementation. This article addresses issues such as quality control, data security, and reliance on third parties for production services, all of which must be tempered with the development of appropriate policies and vendor management. Using both the case study mode and data-driven evaluation approach, this study examines outsourcing opportunities to develop a more inclusive, flexible, and future-ready learning ecosystem When aligned with strategy, which can help provoke the changes needed to rethink education and position students in constantly evolving workforce landscape.

Trends in Liquidity Position of Indian Automobile Companies: A Study of Companies Listed in NIFTY Auto

Mon, 30 Jun 2025 00:00:00 +0530

Liquidity is defined as a company's ability to meet its short-term obligations. It is one of the important criteria for measuring the financial health of the company. Understanding the liquidity position is crucial for making informed investment decisions over the long term, as dividend decisions often depend on liquidity. Understanding and analysing liquidity position is a challenging task. Therefore, as a solution, the present study aims towards the Indian automobile industry and evaluates the liquidity position by using short-term liquidity ratios and working capital management ratios.

A study was performed in the companies listed in the NIFTY Auto index. An attempt has been made to rank the companies from the select list. Users can use this methodology to rank the companies in their portfolio. The study finds the top three and bottom three companies based on liquidity ranking and suggests some practices to enhance liquidity among the automobile companies.

Global Growth Synergies of Tourism & West Bengal Perspective

Tama Dwibedi — Mon, 30 Jun 2025 00:00:00 +0530

Tourism has substantial involvement in maintainable development, economic advancement and social assistances. It is an economic activity which will boost up when a person leaves his residence for a span of time for cherishing the nature, seep the hidden treasure and to grab the energy and oxygen. If we analyse the statistics published from the last decade it has been seen that tourism has become a major shove area in India to address the aforesaid issues, to utilize the limited resources and also to optimize the level of financial involvement for developing tourist substructure in a restraint economic sphere. This article verbalizes a simple practise to enumerate tourism potential for the state. This paper attempts to explore direct effects on the social, cultural, educational and economic sectors of national societies and on their international relations such as tourism can help to enhance economic activities and exploits local cultural and natural specialties in a positive way. India can take initiative to proper utilization of skilled and semi-skilled workers to provide employment opportunities to the destinations of tourism according to the suggestions given by the Planning Commission. This paper used secondary data for analysing the growth of West Bengal. According to the estimate given by the World Travel and Tourism Council, this sector now generate more than 4% of the country's GDP and more than 20 crore jobs. As a whole, Tourism is expected to generate 23 billion of economic activity now and by 2034 it is expected to grow to $ 45.08 billion. Among the different regions of the country, North India attracts the highest number of tourists. As a whole, 49% of foreign tourists throng to this part of the country while Western India attracts 29% of them. With 18 % of foreign tourist, South India remains in the third spot while Eastern region has a very negligible share of only 4 % of foreign tourists.

Contemporary Career Orientations: An Empirical Study among Student Migrants from Kerala

Jinu Joy, Prakash Pillai R — Mon, 30 Jun 2025 00:00:00 +0530

Career growth has become both an opportunity and a challenge in the rapidly evolving world of today. Traditional career orientations, characterized by linear advancement within a single organization, have progressively transitioned to more dynamic, self-directed career paths. Protean and boundaryless career orientations are the most prominent among various contemporary career orientations. Migration patterns are increasingly shaping labor markets and educational landscapes. The study of migrant students' career orientations is highly relevant in today's globalized context. The present study aimed to understand the contemporary career orientations, especially the protean and boundaryless career orientations, among student migrants from Kerala. 200 international students from Kerala participated in the study. The study results indicate that the student migrants have a strong inclination toward proactive career orientations. The findings provide valuable insights into various dimensions, such as self-direction, value-driven behavior, boundaryless mindset, and the organizational mobility preferences exhibited by student migrants. The study also carries practical implications for enhancing the career development of student migrants.

Microfinance and Gender Inequality: Evaluating Models, Impact, and Future Research Gaps

Swarnarka Mukherjee — Mon, 30 Jun 2025 00:00:00 +0530

Gender inequality remains a major barrier to social and economic progress worldwide, limiting women’s access to education, healthcare, and financial resources. Microfinance has become a powerful tool for change, offering small loans, savings programs, and financial education to underserved women. This approach has helped many gain financial independence, increase their income, and step into leadership roles. However, while microfinance has shown promising results, it’s not without challenges. Some women face over-indebtedness, and in some cases, these programs unintentionally reinforce traditional gender roles rather than breaking them. This paper explores the development of microfinance, its impact on gender inequality, and its effectiveness in fostering empowerment. By reviewing theories, real-world outcomes, and unintended consequences, it provides a well-rounded analysis of microfinance’s role in closing the gender gap. Moving forward, research must address these challenges to refine microfinance strategies and ensure they truly support gender equality.

Artificial Intelligence: Impact on Industries and Redefining the Future of Work

Pallabi Kashyap — Mon, 30 Jun 2025 00:00:00 +0530

Artificial Intelligence (AI) is transforming industries by automating processes, optimizing efficiency, and enhancing decision-making capabilities. While AI-driven innovations have led to increased productivity and cost reductions, they have also resulted in significant workforce disruptions, raising concerns about large-scale job displacement and economic implications. Industries such as technology, manufacturing, and customer service are witnessing substantial layoffs as companies shift towards AI-driven operations.

Major corporations like IBM, Salesforce, Google, Foxconn, and Concentrix have implemented AI solutions, replacing roles in marketing, sales, production, and customer support. This transition underscores AI’s growing dominance but also highlights the widening gap between technological advancement and workforce preparedness. While AI is projected to create new job opportunities in areas such as AI development, data analysis, and ethics governance, the shift requires extensive retraining and upskilling initiatives.

This paper explores real-world cases of AI-driven workforce restructuring, the broader economic consequences, and the socio-political challenges arising from automation. It also examines the role of policymakers, businesses, and educational institutions in mitigating AI’s disruptive effects by fostering reskilling programs, ethical AI deployment, and sustainable workforce strategies. As AI continues to evolve, industries must strike a balance between technological innovation and social responsibility to ensure long-term economic stability and equitable workforce integration.

Perceived Effect of Tax Provisions on Nigerian Tax Administration

Mon, 30 Jun 2025 00:00:00 +0530

Tax provisions is an instrument which in shaping tax administration, particularly in developing countries like Nigeria. This study explores the perceived effects of tax provisions on Nigerian tax administration, considering challenges such as informality, weak institutional capacities, and enforcement mechanisms. The research employs a quantitative approach, collecting data through online surveys from a diverse sample across Nigeria's six geo-political zones. Descriptive and inferential statistical methods are used for data analysis. Findings indicate moderate levels of informality activities, institutional capacities, enforcement mechanisms, and tax administration effectiveness. However, weak correlations suggest that the relationships between these variables may not be significant, highlighting the need for further research. The study underscores the importance of understanding the nuanced dynamics between tax provisions and tax administration to address challenges and improve revenue collection in Nigeria.

Digital Financial Inclusion and Self-Help Groups in India: A Theoretical Review into Empowerment, Credit Linkage, and Sustainable Development

Ayushee N Rao, Ramishah, Bharat Sarkar, Uttiya Basu — Mon, 30 Jun 2025 00:00:00 +0530

Introduction: Over the past few years, self-help organizations have advanced in the Indian economy thanks in large part to digital financial inclusion. Through the many facets of the digital financial inclusion process, the Joint Liability Groups (JLG) and Farmer Interest Groups (FIG) are also making progress in their social inclusion and economic growth. Point of Sale (POS) counters, Adhar-enabled payment methods, Core Banking System (CBS), and various Unified Payment Interfaces (UPI) are all playing a significant role in creating the nation's digital ecosystem and fostering a close relationship with the country's semi-urban and rural areas through digital financial inclusion.

Objective of the study: The study's goals are to determine if the process of digital financial inclusion has any bearing on the financial advancements of Self-Help Groups (SHGs) in India and to evaluate the effects of various government initiatives implemented thus far to enhance the same. Another aspect of this study is how DFI creativity and SHGs may work together to help India achieve the SDGs.

Methodology: Information gathered from various government websites, journals, magazines, newspapers, and e-books forms the basis of the theoretical research with the case study. Additionally, this study uses quarterly NABARD reports as an additional quantitative data source.

Results: Enterprises for Digital Financial Inclusion (DFI), which have a massive potential to advance sustainable development improvements in the Indian economy, have a substantial influence on self-help groups (SHGs). The actual empowerment of Self-Help Groups (SHGs) has been transmuted by the incorporation of digital technology and financial services, which has subsequently assisted in the socioeconomic progression of communities around the world. Subsequently, this empowerment has elevated household incomes, assisted fight against poverty, and boosted living circumstances for semi-urban and rural residents.