Asia-Pacific Journal of Management and Technology (AJMT)

Analyzing SBI YONO Business, ICICI InstaBIZ, and HDFC SmartHub Vyapar: A Comprehensive Comparative Study

Nirva Piyush Raval — 2024-01-15

This research is totally based on a comparison between the corporate digital banking services provided by the State Bank of India, ICICI Bank and HDFC Bank. This research includes the kinds of problems faced by customers while using business banking applications. There are 50 respondents who are businesses and are using business banking applications. It includes 23 respondents using the SBI YONO Business App. A tool was prepared for studying the parameters of the factors considered by customers when choosing a business banking app. In this research, Spearman Rank Corelation is used to determine the relationship between the type of business entity and the most used type of transaction, which shows there is a significant correlation between these two variables. Also, the One-way Anova was used to determine the association between the turnover of the business and the business banking application the respondents are using. The greater number of respondents had turnovers above Rs. 1 crore.

Identification of Occupational Hazard in High-Rise Building Construction Projects

Dipesh Dhakal — 2024-01-15

Occupational hazards in high-rise building construction projects pose significant threats to the well-being of workers. This research aimed to comprehensively study these hazards, employing a mixed-methods approach for data collection. Primary data were gathered through field observation, questionnaire surveys, and Key Informant Interviews (KII). Convenient sampling was employed to select 75 respondents for the study on occupational hazards in high-rise construction. This method facilitated practical and accessible participant recruitment for data collection. Data analysis for the study was conducted using the statistical tool SPSS. The result revealed that working at height was the major physical hazard, cement and stone dust were the primary chemical hazard, live wires were the major electrical hazard, and continuous overtime work was the predominant physiological hazard. Job dissatisfaction emerged as a major psychological hazard. Additionally, the study highlights the importance of proactive hazard identification and emphasizes the need for preventive measures. Through these insights, the construction sector can strive towards creating a safer and healthier work environment, ultimately reducing accidents and enhancing the overall well-being of workers involved in high-rise building projects.

Study on Cooperative Bank Lending Practices in Ahmedabad

Shraddha Rajeshkumar Sakariya — 2024-01-15

This study investigates the lending practices of cooperative banks in Ahmedabad, focusing on the satisfaction levels and preferences of their customers. A structured survey was conducted to gather data from cooperative bank customers regarding their experiences with loans. The survey covered various aspects, including the duration of membership, types of loans availed, satisfaction with the loan application process, factors influencing their choice of the cooperative bank, comfort with repayment options, awareness of associated charges, and overall customer service satisfaction. Preliminary findings indicate that the most common types of loans obtained were personal loans, with factors such as lower interest rates, quick loan approval, and personalized customer service influencing their choice of cooperative banks. Members generally expressed satisfaction with the loan application process, although some noted issues with customer service responsiveness. Most respondents were aware of associated charges but had varying perceptions of their reasonability. Overall satisfaction levels were positive, with a majority of customers willing to recommend cooperative bank lending services to others.

Retrospect of Gross Domestic Product of India and China: A Comparative Analysis

Manickam Gajapathy — 2024-01-15

India's economic goal is to achieve a $5 trillion economy by the year 2025, which requires a real growth rate of 12 percent, as per Indian economists. The Reserve Bank of India (RBI) has forecasted a real GDP growth rate of 6.5 percent for the fiscal year 2023–24, which would make India the third-largest economy in the world, surpassing China. To determine the GDP growth trend and predict the future direction. A study was conducted comparing the GDP growth rate of India and China using the past 32 years of data using the Trend Projection and Least Square Method.

The present study revealed that India's GDP growth has been consistently rising, while China's GDP growth starts high and declines over time. Interestingly, the data intersects between 2020 and 2025, indicating that India's GDP growth rate surpasses that of China during this period. Furthermore, the study found that the GDP growth rates of both countries are expected to be equal in 2023. However, beyond this point, India's GDP is predicted to continue its upward trajectory, while China's GDP is projected to decline further. Therefore, India must implement appropriate monetary, fiscal, and physical policies, such as 50 percent partnership in both the private and government sectors, avoid selling public property to the private sector and elect honest leaders to achieve its vision. Hence, the Government has to come up with New Economic Policy for 2025 to realize its prediction.

Pilot Study: Determinants of Small and Medium Business Performance

Dorris Yadewani — 2024-01-15

Practitioners and academics alike have been focused on the performance of SMEs. However, the factors affecting SME performance are still a hot topic. The goal of this study is to identify the factors that influence SME performance; in the pilot study, these components include knowledge, skills, ability, and government policy. As a result, prototype research was carried out to evaluate the measuring instrument's validity and reliability. The population in the present investigation is the entire small business in Padang City, and the sample size is set at 30 SMEs using a simple random sampling technique. The questions were distributed via Google Forms, which were created based on earlier studies on the same topics utilizing surveys. The study applied validity and reliability to all parameters to verify that participants' replies were consistent. The experts validated the legitimacy of the content and dependability, and the data was analyzed using SPSS version 23. The study's findings revealed that all indicators of knowledge, skills, abilities, and government policies with such measurements are accurate, and data for pilot studies indicate that the data is statistically significant. The concluding part illustrates how this research contributes significantly to the development of SMEs in Padang City. The government can use the findings of this study, SMEs, and academics to improve the performance of SMEs.