International Journals of Multidisciplinary Research
Academy (IJMRA)

Abstract:
In the post-nationalization era, the banking system in India witnessed extraordinary growth and achieved unique outreach. SHGs are informal institutions and the primary role of SHGs is to encourage savings and credit. Useful linking of SHGs to other formal institutions becomes vital for their operation. All the SHGs are linked to nearby Banks or Co-operative societies for savings purposes. The SHGs are operating the savings accounts either with the CBs or RRBs or with Co-operative Banks. The group members are encouraged to save by inculcating in them thrift habits. The too little amounts thus saved are rotated among them to meet their growing credit needs. However, linking these groups to Banks is found necessary to enlarge their resources.
Download full Length Paper......

Abstract:
Retail sector in India is on growth path however faced with challenges like high rentals, skilled manpower, supply chain and enormous competition. Customers of today are more knowledgeable, and expect unmatched customer experience. Also, introduction of new products with regular changes in the technology, increased competition and dearth of skilled manpower has made retail companies especially CDIT retail stores to emphasis on knowledge and skills of employees to meet these changing market dynamics. Along with traditional learning modes, Mobile learning is the evolving and widely explored learning platform in the education, and training arena. The exploratory study was undertaken with an objective to investigate the factors that influence the mobile learning on job performance among employees of the CDIT retail stores. The study shows that the design & layout of the mobile learning as good with a sign of scope of improvements. The respondents have considered that the overall content was presented in an interesting manner, they were relevant and useful for their job and helped improve job performance. Hence, from the study it is concluded that employees appreciate the importance of mobile learning and find it interesting and useful for gaining knowledge and skills required to perform their job better.
Download full Length Paper......

Abstract:
In the last eleven years, investment banks have seen a surge in the hiring of project and portfolio managers of varying levels of seniority, especially in the technologically focused markets division. The main reason has been the inability of existing governing entities within business and technology to simultaneously control timing, scope and cost of complex technological and even non-technological initiatives, in an ever-evolving technological landscape. The rapid evolution of financial regulations over the first seven years, followed by a change of focus in the last four years on major growth initiatives within investment banks, vis-à-vis diminishing technology budgets have contributed to a rise in complexity of project management and prioritization.
Download full Length Paper......

Abstract:
Gold a name itself acts as stimuli to human minds, in Indian tradition gold enjoys a special status since ancient time; now a day‟s Indian Government has 618.2 tonnes of gold and become 10th largest gold reserves in the world. Surprisingly Indian household may have accumulated upto 25000 tonnes of gold thereby retaining the tag of world‟s largest holder of gold. Indian culture is a mixed culture and there are hundreds of languages and different Religions. On every 100 km the culture, habits and even food can be changed. Interestingly there are two common facts i.e. household saving & Investment in gold. There are countless reasons which compel Indian household to stock gold but the attitude, perception & attraction of Indian women towards gold and gold ornaments maybe the giant reason behind the investment in gold. In the present research paper, researcher intended to evaluate the various causes and motives behind unabated habit of Indian women towards gold as an investment
Download full Length Paper......

Abstract:
Organizations across the globe plan,manage and execute projects either as a necessity for business enablement or as a services for third party customers to realize the revenue .Though the concept of project management has been existing since many years,organizations are embarking and investing on Portfolio management which is related to managing a portfolio for planning multiple projects and programs in advance. Though a project is defined as temporary in that it has a defined beginning and end in time, and therefore defined scope and resources, portfolio management deals with identifying the work which will be executed as a project ,funding of projects , prioritizing, tracking the work progress related to project. Also, Portfolio management can be integrated with organization objectives promoting a culture of innovation by integrating it with the concept of Idea management for promoting ideas which can be beneficial for organization.Though Large organizations already plan and manage their portfolio using different tools, system and documents, a structured portfolio management and planning approach with some of the key aspects can be incorporated to realize the benefits of portfolio and project management for any organization.
Download full Length Paper......

Abstract:
This paper focus on how well the connected material process flow system will bring the systematic application of the lean material handling pull principle in assembly plant and considering the multitude of different components feeding to assembly plant in a highly fluctuating customer demand is introduced in this paper. This method has been used for the in-plant logistics planning one of the leadingautomotive drive line productmanufacturing plant and shows that pull system is an efficient lean method for the in-plant logistics planning forthe mixed model assembly plant, which is mainly depends on the standardized work pattern in a highly disciplined way of managing the material flow.
Download full Length Paper......

Abstract:
In a short period of time, COVID-19 has changed the lives and livelihoods of people around the globe. Consumer’s attitudes, behaviours and purchasing habits are changing and many of these new ways will remain post-pandemic. People are living differently, buying differently and, in many ways, thinking differently. Supply chains have been tested. Retailers are closing doors. Consumers across the globe are looking at products and brands through a new lens. The virus is reshaping the industry in real-time, rapidly accelerating long-term underlying trends in the space of mere weeks (Wright, 2020). While purchases are currently centered on the most basic needs people are shopping more consciously, buying local and are embracing digital/e-commerce. To manage isolation, consumers are using digital to connect, learn and play and they will continue to. This study helps to get an insight of the online buying behaviour of consumers residing in State of Punjab, India during Covid-19 pandemic period with the help of a structured questionnaire.
Download full Length Paper......

Abstract:
The eating habits of people and the cooking style of people using different ingredients are changing day by day. In earlier days people were not aware of the different styles, ambiences of lightings, colour, interior decoration etc. they only cared about the food quality. Nevertheless, the trend has changed to a great extent. Bhubaneswar, the capital city of Odisha has become cosmopolitan in nature. With rising malls, market complexes, Inox movie complexes, it has become a tourist destination for people all over Odisha. In Bhubaneswar many restaurants have come up even the big multi-national restaurant chains like KFC, Yo! MOMO, Barbeque have started opening up their branches. Restaurants expand from reasonable, casual uptakes and modest nourishment served in basic settings at low prices, to expensive foundations serving refined nourishment and fine wines during a typical setting. Attempt has been made to analyze important factors that attract customers to a restaurant and to look for dependencies between age and factors of attraction, age and choice of restaurants, income and frequency of visit to a restaurant.
Download full Length Paper......

Abstract:
ESP32 considers an open source of IoT platform, it performs two different tasks in the same time: firstly, processing sensors reading, and the second is transmission the data to internet via a built in Wi-Fi module in ESP32, in this paper ESP32 works together with several sensors to monitor parameters of water quality in real time.The potable water sources in Khartoum state are susceptible to contamination as a result of effects of huge number of latrine wells at the absent of the sewerage network. The challenge is to monitor water quality for more than 2000 wells in real time. The traditional method of water quality testing fails to deliverdata in real-time, not able to meet the demands of monitoring of water quality for a huge number of drinking wells. The system has been proposed to overcome this difficulty,in this paper four sensors(Temperature, Turbidity, TDS, and pH)capture the data in the form of analog signals, ESP32 converts these signals into the digital format, and sent these digital signals to the router or access point via a compact Wi-Fi module in ESP32, the system includes simple web server to display water quality parameters on internet througha browser application using a special IP address via the smart phone/PC from anywhere in the world, at the same time the ESP32 client makes an HTTP POST request to a PHP script to insert sensors reading into MySQL database on local test server under XAMPP platform,the sensors readingflows smoothly through the database, and thedata refreshes about every one minute. The results of sensors reading which take from the database as a sample is more suitable and acceptable within the standard limits of water quality parameters in real time. The uniqueness of the proposed paper is to obtain an automation more efficient, effective system monitoring water quality, and it is so cheap.This system presents close monitoring on potable sources, it can keep a strict check on the pollution, will immensely protect the quality of potable water from the risk of chemical and biological contamination, and help decision makers to make the right decision, and be able to provide an environment for safe drinking water
Download full Length Paper......

Abstract:
Strategic planning is long-term, wide ranging and critical to organizational success, in terms of the costs of the resources it affects and the outcomes it envisions. It focuses on the organisation as a whole. Managers consider the organisation as a total unit and ask themselves what must be done in the long-run to attain organizational goals. The most successful managers are those who are able to encourage innovative strategic thinking within their organisations. Against this background, a modest attempt has been made in this paper to discuss different facets of strategic planning process.
Download full Length Paper......

Abstract:
Consumer Awareness is an act of making sure the buyer or consumer is aware of the information about products, goods, services, and consumers rights.
Download full Length Paper......

Abstract:
This examination intended to research the contrasts between: 1) low-capacity understudies' basic reasoning abilities
Download full Length Paper......

Abstract:
The advent of Magnetic Resonance Imaging paved the way for in depth study of brain anatomy of subjects
Download full Length Paper......

Abstract:
In addition to planets, constellations, galaxies, and other types of matter and energy, the galaxy is made up of all of the components of space and time.
Download full Length Paper......