Volume 13 | Issue 3 |

 Abstract

This study attempts to analyses the impact of Kisan credit cards, irrigation and fertilizer consumption on agricultural productivity in India. The study comprehensively gauges the association between these variables 1998-2021 in India by using ARDL technique as the variables are of mixed integrated order. The ARDL Bound test reveal that there is long run relationship among the variables. Moreover, the findings shows that the impact of KCC and irrigation is positive on agricultural productivity in India and it reveals that the Kisan Credit Card scheme has played a significant role in improving agricultural productivity in India by providing easier access to credit, which has enabled farmers to invest in better agricultural practices. Also, the calculated long and short-run coefficient of irrigation is positive which indicate that irrigation has been a key driver of agricultural productivity in India, enabling more reliable water supply, higher yields, and crop diversification. While fertilizer consumption has negative impact on agricultural productivity in India. The paper suggests that reducing fertilizer dependency and adopting integrated nutrient management systems, including organic and green manure alternatives, are essential for improving the sustainability and productivity of Indian agriculture. Furthermore, a multifaceted approach that includes improved agricultural practices, policy intervention, and technological advancements is necessary to optimize agricultural productivity while mitigating environmental harm.

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 Keywords

ARDL, KCC, Agriculture, Irrigation

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Creative Commons Attribution 4.0 and The Open Definition

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This study explores the challenges faced by rural women in India, focusing on their vulnerability as a marginalized group and the role of government initiatives in improving their lives. Rural women, particularly those living below the poverty line, encounter multiple layers of discrimination and disadvantage, shaped by socio-economic, cultural, and geographic factors. The study aims to examine the specific vulnerabilities of these women, including economic dependence, illiteracy, gender-based discrimination, and limited access to healthcare. It also evaluates the effectiveness of various government schemes designed to address these issues and enhance the socio-economic well-being of rural women. Through a mixed-methods research design, combining both quantitative and qualitative approaches, the study provides a comprehensive analysis of the challenges faced by rural women. The research involves 30 participants from the Wagodiya village in Vadodara district, Gujarat, selected through purposive and snowball sampling techniques. Data collection methods include semi-structured interviews, questionnaires, and non-participant observation. Secondary data from government reports and academic sources also contribute to the analysis. The findings highlight the significant barriers to empowerment that rural women face, including economic insecurity, inadequate healthcare, and social stigma. While government schemes show promise, their reach and effectiveness remain limited by issues such as insufficient awareness, implementation gaps, and cultural barriers. This research emphasizes the need for more targeted and inclusive policies that address the specific needs of rural women and promote their active participation in decision-making processes. The study calls for an integrated approach to empowerment, combining economic, educational, and social support systems to improve the lives of rural women in India.

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 Keywords

Rural women, Vulnerability, Government schemes, Empowerment, Socio-economic challenges, Gender discrimination, Mixed-methods research.

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High customer demand, quick inventory turnover, and wide distribution networks define the Fast-Moving customer Goods (FMCG) industry, one of the most competitive and dynamic in the world. With an emphasis on the Indian market, this study attempts to investigate the major obstacles and possibilities that the FMCG sector faces.

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 Keywords

: Global competition, profitability, economic trends, emerging markets, consumer behavior, strategic adaptation, growth opportunities, market penetration, supply chain disruptions, consumer preferences, digital transformation, e-commerce, brand loyalty, sustainability, market trends, pricing strategies, private-label brands, product innovation.

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The family environment plays a fundamental role in shaping a child's emotional, cognitive, and social development, particularly in urban slum communities where children face numerous socio-economic challenges. This research examines the influence of parental education, financial stability, household conditions, and access to government welfare programs on children's well-being and educational aspirations. The study, conducted in Vadodara's slum areas, involved structured interviews with 45 parents to understand their awareness and attitudes toward child development. Findings reveal that low-income families often struggle to provide educational support, leading to poor academic performance and limited career opportunities for children. Moreover, a significant lack of awareness regarding government schemes deprives these families of essential benefits. This study underscores the urgent need for policy interventions, community support programs, and educational reforms to improve the lives of slum children.

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 Keywords

Family environment, urban slums, child development, socio-economic factors, parental involvement, education, government welfare schemes

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The Ice cream industry in India has witnessed significant growth in recent years, driven by increasing demand for premium and artisanal ice cream products.Amul, a leading dairy cooperative in India, has established itself as a prominent player in the ice cream market, offering a range of products that cater to diverse consumer preferences. This study examines customer satisfaction towards Amul ice cream in Tirupur city, to identify the key factors influencing customer satisfaction, including taste, quality, price, brand loyalty, and customer service. A survey-based approach was employed to collect data from a sample of customers in Tirupur city and the data was analyzed to identify the experience and expectations of the customers. The study provides insights into the levels of customer satisfaction with Amul ice cream and identify areas for improvement. The study also reveals the position of the Amul in the competitive market comparison with its competitive brands

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 Keywords

Customer satisfaction, Amul co operative, ice cream, consumer perception

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 Abstract

Geographical study of population pattern (with reference to Mungeli district)

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Geographical study of population pattern (with reference to Mungeli district)

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This study explores the impact of digital banking on customer retention, emphasizing the growing importance of understanding customer preferences and experiences in today's digital financial landscape. As banking services increasingly shift to online platforms, factors such as convenience, security, personalization, and service responsiveness play a pivotal role in influencing customer loyalty. Convenience enables customers to perform transactions anytime, anywhere, while robust security measures address concerns over data protection and cyber threats. Personalization enhances engagement by tailoring services to individual needs, and responsive customer support ensures satisfaction during critical interactions. By analyzing recent literature and conducting empirical research, this study provides valuable insights for financial institutions seeking to strengthen their digital strategies. The findings highlight the need for banks to prioritize seamless user experiences, safeguard customer data, and deliver personalized services that foster trust and satisfaction. Ultimately, this research underscores how effective digital banking practices can enhance customer retention, enabling financial institutions to build lasting relationships and maintain a competitive edge in an increasingly technology-driven environment.

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Digital banking and its positives

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This study examines Corporate Social Responsibility (CSR) and its influence on businesses, society, and the education sector. It explores how CSR initiatives support educational development and contribute to corporate sustainability. The research analyzes various CSR programs, particularly those focused on education, and their implementation in global organizations. It highlights the role of CSR in promoting ethical business practices and social welfare. The study evaluates the economic, social, and environmental benefits of CSR-driven educational initiatives. It also discusses the challenges companies face in adopting effective CSR policies. Through case studies, the research demonstrates the long-term impact of CSR on educational growth and corporate success. The findings provide insights into how businesses can integrate education-focused CSR into their core strategies. The study underscores the significance of Corporate Social Responsibility in fostering social welfare and educational development. Ultimately, it emphasizes CSR's essential role in corporate governance and its commitment to educational advancement.

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 Keywords

Corporate Social Responsibility, Education, Sustainability, Ethical Business, Social Impact, Environmental Responsibility.

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The study analyzes the financial performance of two leading players in the Indian FMCG sector. The research aims to evaluate and compare their financial health using key financial ratios such as Return on Equity (ROE), Current Ratio, Debt-to-Equity Ratio, and Asset Turnover Ratio, among others.Key findings indicate that while Dabur maintains steady profitability and better liquidity ratios, Patanjali demonstrates aggressive growth strategies with higher revenue growth but comparatively lower operational efficiency. ROE analysis highlights Dabur's consistent shareholder returns, while Patanjali's performance reflects volatility due to its rapid expansion phase. NPM underscores Dabur's efficient cost management, whereas Patanjali shows fluctuations influenced by high marketing and distribution expenses.The comparative analysis concludes with insights into the strategic strengths and challenges faced by both companies, providing valuable inputs for stakeholders and investors. This study highlights the importance of balancing growth with financial stability in a competitive market environment.

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Patanjali Ltd., Dabur Ltd., Ratio Analysis, Comparative Analysis

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Dasa Sahitya, a musical tradition of Karnataka, appeared around the 13th century as an integral part of the Haridasa movement, which promoted the philosophy of Sri Madhvacharya. Prominent Haridasas as Purandar Dasa, Kanaka Dasa, and others contributed to Kannada literature and South Indian classical music. The movement reached its peak during the Vijayanagar Empire but gradually declined due to various reasons. This article examines the factors leading to the decline of Dasa Sahitya and explores the strategy for its revitalization. Understanding the role of Dasa Sahitya in preserving the cultural heritage of South Indian Music will be explored. This paper also intends to find the ideal methods of preserving this art form.

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 Keywords

Dasa Sahitya, Haridasa Sahitya, Revival of Dasa Sahitya, Haridasa ,Dasa Literature.

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Creative Commons Attribution 4.0 and The Open Definition