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72 articles for “Savings”
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A Study on” Savings and Investment Pattern Among the Working Class People in Belagavi City”
Abstract: Investment is an economic activity and it is fascinated by people as a sphere of intense activity.The main aim of any saver is to do investment as these small investments made today are to meet their upcoming expenditures. The amount of outlay and proportion of savings largely depends upon the income levels of people. Investments are made out of savings, or in other words, people invest their savings. The investor …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 4, Issue 2, 2021 · pp. 1–14 Read article
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Savings to Investments: A Study of Financial Behaviour among Salaried Individuals
Abstract: The transition from saving to systematic investment has become increasingly significant in emerging economies, particularly among salaried individuals who rely on fixed monthly incomes. This study examines the financial behaviour, investment preferences, and risk orientation of salaried individuals through an empirical investigation. Primary data were collected from 150 respondents using a structured questionnaire, and statistical tools including descriptive analysis, Chi-square tests, Spearman’s correlation, and One-Way ANOVA were applied to examine …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
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Exploring the Role of Cognitive Biases in Retirement Savings and Investments in select districts of Telangana
Abstract: Planning a secure retirement requires clear thinking, but our brains have built-in shortcuts called cognitive biases that can lead us to confusion. Overconfidence might make us take on too much risk, while fearing losses could keep us in low-growth investments. We might favour information that confirms our existing beliefs, blindly follow the crowd, or prioritize immediate gratification over long-term savings. This study investigates the influence of cognitive biases and behavioural …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 90–95 Read article
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Financial Impact of COVID-19 in India-Critical Review
Abstract: Investment and savings is the pillar for people to safeguard them during the crisis. It is important tosay that, Indians are grown up with the habit of these investment and savings. India is stabilized itsfinancial position during the Global Financial Crisis in 2007-2008 speedily because of its investmentand savings pattern in various form of reserves. But COVID-19 hit the economical position of the peoplevery much because of its prolonged lockdown …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 4, Issue 1, 2021 Read article
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A Study on Financial Planning & Its Impact on Investment Decisions of Salaried Women Employees
Abstract: Financial planning is an important part of managing income, savings, and investments, especially for salaried women employees. This study examines the impact of financial planning on the investment decisions of salaried women by analysing factors such as financial literacy, income level, savings habits, work experience, and risk-bearing capacity. The study is based on primary data collected from 107 respondents through a structured questionnaire. The collected data were analysed using percentage …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 9, Issue 2, 2026 Read article
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A Study on Impact of Augmented Reality on Customer Experience inOnline Shopping
Abstract: This project is about understanding role of augmented reality in an online shopping and how it affects customer experience, many people purchase products through online platforms and augmented reality is becoming one of technologies used to make shopping easier and more interactive, the study tries to understand whether this technology is useful for customers and how it influences their purchasing behaviour during an online purchases, information for study was collected …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 02, 2026 Read article
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Mutual Funds and Index—The Best and Safe Investment
Abstract: Mutual fund and index industry in India have developed rapidly and gained a lot of popularity from the past couple of decades, especially after the incorporation of Unit Trust of India in 1964. There has evolved parallel a rich attainable educational literature such as numerous subjects associated with mutual funds. One of the most regularly addressed topics inside the modern-day literature is investor’s belief and preferences, approximately various mutual price …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 3, Issue 2, 2020 · pp. 21–36 Read article
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A Study on Investors Behavior Pattern Towards Investment Decision with Special Reference to Saurashtra Region in Gujarat
Abstract: The study's main focus is on how investors behave while making investment decisions, with a particular emphasis on Gujarat's Saurashtra area. Investment is a part of savings Money. It plays important role in any nation. It also contributes to the nation's economy's capital formation. Investment behavior of an investor depend their earning capacity, awareness level, risk taking ability and saving habits. Investment is an economic activity that generates the capital …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 7, Issue 1, 2024 · pp. 1–5 Read article
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A Comparative Study of Selected ELSS Mutual Funds in T15 Cities and B15 Cities
Abstract: The mutual fund sector in India has been growing recently. Between 2013 and 2018, the average asset under managed rose by more than thrice (AMFI, 2018). The study period consist from April 2015 to March 2018. The prime aim of the study is to a compare the return, risk and asset under management of selected ELSS mutual funds in T15 cities and B15 cities. Some funds have displayed moderate growth, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 1, 2023 · pp. 67–71 Read article
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The Role of Microfinance in India and Challenges Faced by IT
Abstract: NABARD (National Bank for Agriculture and Rural Development) has defined microfinance as the provision of thrift, credit, and any other type of financial services and products of very small amount basically for the poor people in rural, semi-urban or urban areas and this provision is for enabling these people to raise their level of income and standard of living. Microfinance is a range of financial services which helps small scale …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 2, Issue 2, 2019 · pp. 14–23 Read article
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Growth with Self-reliance Principle
Abstract: We will celebrate next year the 75th anniversary of Independence in August 2022, and the 75th anniversary of being a Republic and Sovereign country in four years hence. We are about to overtake China as the most populous country. With GDP of size of less than Rs 900 crore at the time of independence now are about to cross $ 3 trillion. India's road ahead, however, was rocky and uncharted, …
Published in NOLEGEIN Journal of Business Risk Management Read article
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An Overview of the Facts Related to the Socioeconomic Status of Women in India
Abstract: Presently, women are involved in all possible fields like politics, research, military, etc., so they are contributing in economic growth as they are moving toward employment and save their money for increasing their wealth. They depend on the income, high returns and future security. Modern women can manage the family responsibility as well as economic responsibility similarly. The women are financially comfortable, investing regularly and competent enough to understand the …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 1, Issue 2, 2018 · pp. 17–20 Read article
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Preservation and Rrestoration of Ancient Heritage Homes of Goa by Designing a Revenue Generation Model for Economic Benefits
Abstract: Goa is a smallest state of India with a rich colonial and pre-colonial heritage, visible in various architectural typologies of its churches, temples, forts and houses. By restoring old Indo-Portuguese houses by systematic planning of investments from both, owner and investors, it can open a whole new range of heritage rental villas across the state, which is already on high demand. This model also helps in the conservation and restoration …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 3, Issue 1, 2020 · pp. 23–31 Read article
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Growth with Self-Reliance Principle
Abstract: We will celebrate next year the 75th anniversary of Independence in August 2022, and the 75th anniversary of being a Republic and Sovereign country in four years hence. We are about to overtake China as the most populous country. With GDP of size of less than Rs 900 crore at the time of independence now are about to cross$ 3 trillion. India's road ahead, however, was rocky and uncharted, and …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 4, Issue 2, 2021 · pp. 29–32 Read article
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Role of Self-Help Groups in Promoting Micro-Entrepreneurship
Abstract: This study examines the role of Self-Help Groups (SHGs) in promoting micro-entrepreneurship and improving the economic condition of members through small business activities. The study focuses on analysing the influence of financial literacy, access to micro-credit, income-generation loans, government micro-enterprise schemes, and training and skill development support on entrepreneurial growth. The research adopted a descriptive research design and collected primary data through a structured questionnaire from 100 SHG members in …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
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The Role of SHG-BLP on Micro Credit Access
Abstract: This study examines the role of the Self-Help Group-Bank Linkage Programme (SHG-BLP) in improving access to microcredit among rural women in Reddyvarahalli, Karnataka. The main objective is to understand the role of SHG-BLP, identify the different types of loans available to members, and examine the factors influencing access to microcredit. A descriptive research design was adopted for the study. Both primary and secondary data were collected to ensure a comprehensive …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 2, 2026 Read article
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Role of Artificial Intelligence in Micro-Financing
Abstract: Artificial Intelligence is the development of human intellect by machines. This is changing quickly and has established itself as one of the technical pillars of the contemporary financial industry. It has been employed more and more in the financial industry over the years since it makes problem-solving easier in all businesses, allows us to save time, and safeguards our savings. It is an essential part of banks and microfinance that …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 34–42 Read article
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The Function of Digital Finance Solutions in Financial Planning, Investing, And Personal Budgeting
Abstract: In recent years, personal finance management has gained significant importance due to the increasing complexity of managing day-to-day finances, saving for future goals, and investing. This paper presents a comprehensive study of the development of a Personal Finance Management System (PFMS), a digital solution designed to assist individuals in effectively managing their financial activities. The proposed system integrates budgeting, expense tracking, investment planning, and financial goal setting into a single …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–11 Read article
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A Study of Gender-Based Differences in Household Finance Decisions and Consumer Behavior
Abstract: This study examines gender-based differences in household financial decision-making and consumer behavior in urban India. Household finance decisions, such as saving, spending, investment, and credit usage, are influenced not only by economic factors but also by behavioral and psychological attributes, which often vary across genders. The study adopts a quantitative and analytical research design based on primary data collected from urban households. A structured questionnaire was used to collect data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A study on Strategic Alliances and Business Growth
Abstract: In today’s dynamic and competitive business landscape, companies increasingly rely on strategic partnerships and alliances to foster growth and strengthen their market presence. These relationships can take many different forms, including as joint ventures, licensing agreements, distribution partnerships, and co-branding. By pooling resources and leveraging each other’s expertise, businesses can explore new opportunities, enter untapped markets, and enhance their competitive edge. Strategic alliances offer a range of benefits, including market …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 8, Issue 1, 2024 Read article