Journal IJCRT UGC-CARE, UGCCARE( ISSN: 2320-2882 ) | UGC Approved Journal | UGC Journal | UGC CARE Journal | UGC-CARE list, New UGC-CARE Reference List, UGC CARE Journals, International Peer Reviewed Journal and Refereed Journal, ugc approved journal, UGC CARE, UGC CARE list, UGC CARE list of Journal, UGCCARE, care journal list, UGC-CARE list, New UGC-CARE Reference List, New ugc care journal list, Research Journal, Research Journal Publication, Research Paper, Low cost research journal, Free of cost paper publication in Research Journal, High impact factor journal, Journal, Research paper journal, UGC CARE journal, UGC CARE Journals, ugc care list of journal, ugc approved list, ugc approved list of journal, Follow ugc approved journal, UGC CARE Journal, ugc approved list of journal, ugc care journal, UGC CARE list, UGC-CARE, care journal, UGC-CARE list, Journal publication, ISSN approved, Research journal, research paper, research paper publication, research journal publication, high impact factor, free publication, index journal, publish paper, publish Research paper, low cost publication, ugc approved journal, UGC CARE, ugc approved list of journal, ugc care journal, UGC CARE list, UGCCARE, care journal, UGC-CARE list, New UGC-CARE Reference List, UGC CARE Journals, ugc care list of journal, ugc care list 2020, ugc care approved journal, ugc care list 2020, new ugc approved journal in 2020, ugc care list 2021, ugc approved journal in 2021, Scopus, web of Science.
How start New Journal & software Book & Thesis Publications
Submit Your Paper
Login to Author Home
Communication Guidelines

IJCRT WhatsApp Contact

  IJCRT Search Xplore - Search all paper by Paper Name , Author Name, and Title

Volume 12 | Issue 8 |

Volume 12 | Issue 8 | Month  
Downlaod After Publication
1) Table of content index in PDF
2) Table of content index in HTML 2)Table of content index in HTML
3) Front Page                     3) Front Page
4) Back Page                     4) Back Page
5) Editor Board Member 5)Editor Board Member
6) OLD Style Issue 6)OLD Style Issue
Chania Chania
IJCRT Journal front page IJCRT Journal Back Page

  Paper Title: Emotional Intelligence Skills in H.P. State Cooperative Bank: A Gender Survey

  Author Name(s): Shubham Kaushal

  Published Paper ID: - IJCRT2408462

  Register Paper ID - 267697

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408462 and DOI :

  Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408462
Published Paper PDF: download.php?file=IJCRT2408462
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408462.pdf

  Your Paper Publication Details:

  Title: EMOTIONAL INTELLIGENCE SKILLS IN H.P. STATE COOPERATIVE BANK: A GENDER SURVEY

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science and Technology

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e230-e236

 Year: August 2024

 Downloads: 247

  E-ISSN Number: 2320-2882

 Abstract

The development of soft skills along with hard skills is of utmost important to succeed at the workplace and in the specific job role. It becomes much more important for bank employees as they perform sensitive roles like accepting money deposits and lending of loans. Being aware of the personal emotions and of the customers helps in improving the behavior and enhancing the performance of individuals is this sector. Thus, the study of emotions becomes important in this emotionally changing environment. Emotional Intelligence is defined as the capacity for recognizing one's own feelings and those of the others, for motivating oneself, and for managing emotions well in oneself and in the relationships. The aim of this research is to survey the emotions set of the employees in Himachal Pradesh State Cooperative Bank in relation to their gender. The survey has been carried out among bank employees on a sample size of 60, selected via non-probability sampling method in which convenience cum judgemental sampling technique was used. The opinion survey was conducted on a 5-point Likert Scale questionnaire having the five dimensions of emotional intelligence i.e. self-awareness, self-regulation, motivation, empathy and relationship management as given by Daniel Goleman. The collected data was analyzed with the help of Mean and Standard Deviation etc. From the results of the survey, it has been found that employee groups do differ from each other on the dimensions of emotional intelligence in relation to their gender. The gender response analysis showed that Self-Awareness was the most dominant dimension in both the genders. Relationship management dimension was found to be the weakest among males while Self-Management was found to be the weakest among females. Thus, it is suggested that E.I. counseling and sensitivity training to the employees may add more value to the overall working of the bank.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Emotional Intelligence, Gender difference, Cooperative Bank, HPSCB, Banking Sector

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: UNDERSTANDING HUMAN RIGHTS: THE KNOWLEDGE AND PERCEPTIONS OF SCHOOL TEACHERS IN EASTERN RAJASTHAN

  Author Name(s): Sampark Acharya, Ashok Kumar Sidana

  Published Paper ID: - IJCRT2408461

  Register Paper ID - 267875

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408461 and DOI :

  Author Country : Indian Author, India, 302002 , Jaipur, 302002 , | Research Area: Medical Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408461
Published Paper PDF: download.php?file=IJCRT2408461
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408461.pdf

  Your Paper Publication Details:

  Title: UNDERSTANDING HUMAN RIGHTS: THE KNOWLEDGE AND PERCEPTIONS OF SCHOOL TEACHERS IN EASTERN RAJASTHAN

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Medical Science All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e226-e229

 Year: August 2024

 Downloads: 237

  E-ISSN Number: 2320-2882

 Abstract

This study examines the knowledge and perceptions of school teachers in Eastern Rajasthan regarding human rights, focusing on their awareness of basic rights, familiarity with international and national human rights frameworks, and their attitudes towards human rights education. Through a qualitative approach, using interviews, the study reveals significant gaps in teachers' understanding of complex human rights issues, particularly those related to marginalized groups. The findings highlight the need for enhanced professional development and curriculum revisions to better equip teachers for effective human rights education. By addressing these gaps, the study advocates for a more comprehensive and context-specific approach to fostering a culture of human rights in the classroom.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Human rights education, Eastern Rajasthan, school teachers, knowledge, perceptions, curriculum, professional development, marginalized groups, inclusivity, educational policy.

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: IMPACT OF INTERNET ADDICTION ON MENTAL HEALTH AND ACADEMIC ACHIEVEMENT OF HIGHER SECONDARY SCHOOL STUDENTS.

  Author Name(s): PRINCE BISWAS, Preeti Sharma

  Published Paper ID: - IJCRT2408460

  Register Paper ID - 267731

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408460 and DOI :

  Author Country : Indian Author, India, 741253 , RANAGHAT, 741253 , | Research Area: Arts All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408460
Published Paper PDF: download.php?file=IJCRT2408460
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408460.pdf

  Your Paper Publication Details:

  Title: IMPACT OF INTERNET ADDICTION ON MENTAL HEALTH AND ACADEMIC ACHIEVEMENT OF HIGHER SECONDARY SCHOOL STUDENTS.

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Arts All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e219-e225

 Year: August 2024

 Downloads: 263

  E-ISSN Number: 2320-2882

 Abstract

This study investigates the impact of internet addiction on the mental health and academic achievement of higher secondary school students in North 24 Parganas and Kolkata districts of West Bengal. The study aims to understand how internet usage affects stress levels, violent behaviors, and academic outcomes among adolescents. Through a descriptive survey method and random sampling, the research explores the correlation between internet addiction and variables such as anxiety, stress, lack of attention, and demographic characteristics. The findings will be analyzed using statistical tools and presented through graphs and pie charts to illustrate the data comprehensively. Mafe and Blass (2006) showed that a typical internet-dependent user is generally young (19 to 24 years old). Suhail and Bargees (2006) indicated that internet use positively impacts education. This study aims to determine the level of internet addiction among undergraduate students and its relationship with academic performance.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Internet addiction, Academic performance

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Review Of Micropropagation Methods In Citrus Indica: Enhancing Cultivation Practices

  Author Name(s): Babita Kumari

  Published Paper ID: - IJCRT2408459

  Register Paper ID - 267869

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408459 and DOI : http://doi.one/10.1729/Journal.41154

  Author Country : Indian Author, India, 786125 , Tinsukia, 786125 , | Research Area: Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408459
Published Paper PDF: download.php?file=IJCRT2408459
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408459.pdf

  Your Paper Publication Details:

  Title: REVIEW OF MICROPROPAGATION METHODS IN CITRUS INDICA: ENHANCING CULTIVATION PRACTICES

 DOI (Digital Object Identifier) : http://doi.one/10.1729/Journal.41154

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e209-e218

 Year: August 2024

 Downloads: 285

  E-ISSN Number: 2320-2882

 Abstract

Citrus indica, an endangered citrus species native to north-eastern India, holds significant genetic and medicinal value, making it a vital resource for citrus breeding programs and conservation efforts. Traditional cultivation methods face challenges such as low seed viability, disease susceptibility, and habitat destruction. Micropropagation offers a promising solution for the large-scale production of disease-free and genetically uniform plants, enhancing cultivation and conservation practices for C. indica. This review explores the various micropropagation techniques employed for C. indica, including explant selection, culture media composition, and optimal environmental conditions. The stages of micropropagation, from initiation to acclimatization, are detailed, highlighting their critical role in successful plantlet establishment. Additionally, the advantages of micropropagation, such as mass production, disease-free plants, and genetic uniformity, are discussed alongside the limitations, including high initial costs, technical expertise requirements, contamination risks, and somaclonal variation. Future challenges and prospects, such as protocol optimization, genetic fidelity assessment, cryopreservation, genetic transformation, and collaborative efforts, are addressed to underline the need for continued research and innovation. By overcoming these challenges, micropropagation can significantly enhance the cultivation practices of C. indica and contribute to the conservation of this valuable species.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Citrus, Micropropagation, somaclonal, cultivation, genetic

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: A Historical Importance of Kachugaon During Colonial period.

  Author Name(s): Albert Narzary

  Published Paper ID: - IJCRT2408458

  Register Paper ID - 267787

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408458 and DOI :

  Author Country : Indian Author, India, 783360 , Gossaigaon, 783360 , | Research Area: Social Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408458
Published Paper PDF: download.php?file=IJCRT2408458
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408458.pdf

  Your Paper Publication Details:

  Title: A HISTORICAL IMPORTANCE OF KACHUGAON DURING COLONIAL PERIOD.

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Social Science All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e199-e208

 Year: August 2024

 Downloads: 321

  E-ISSN Number: 2320-2882

 Abstract

Abstract There is many historical importance of Kachugaon during the colonial period, its importance was greatly emphasized by the British individuals, and the impact of the foreign rule left a huge trademark which can still be seen. Kachugaon has contributed in a huge margin during that era in creation of political and socio-economic status of Assam. There are still historical sites and places which proves that an event that had happened and it tells us different stories of Kachugaon and its origin of the story. The exploitative nature of Britishers can be seen through the creation of certain infrastructures and government offices in the zone of Kachugaon. Forest of Kachugaon was also put under one of the reserved areas. However, in the present, certain people still exploit its resources even though it is under protection. The conflicts and the violence over the last decades have also thrown the area into disorder. The negligence of government over those area has also led to a failure in preservation of those sites and places. Only one of those is still preserved and still in use that is the building of Forest I.B and rest are left in ruins. Therefore, an effort is made towards writing this article on "A Historical Importance of Kachugaon during colonial period".


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Kachugaon, British, Forest, Colonial, Assam, Exploit.

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: NANOTECHNOLOGY IN PHARMACEUTICAL SCIENCE

  Author Name(s): Tanuja Sarjerao Kardel, Sahil Kailas Khatode, Chandralekha Chandrakant Missal, Aniket Gajanan Pawar, Sonali Uttam Navale

  Published Paper ID: - IJCRT2408457

  Register Paper ID - 267848

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408457 and DOI :

  Author Country : Indian Author, India, 422605 , Sangamner, 422605 , | Research Area: Pharmacy All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408457
Published Paper PDF: download.php?file=IJCRT2408457
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408457.pdf

  Your Paper Publication Details:

  Title: NANOTECHNOLOGY IN PHARMACEUTICAL SCIENCE

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Pharmacy All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e188-e198

 Year: August 2024

 Downloads: 223

  E-ISSN Number: 2320-2882

 Abstract

One of the most basic unit operations that is crucial to pharmacy is size reduction. It aids in lowering toxicity, increasing release, strengthening stability and bioavailability, and presenting improved chances for drug formulation.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Pharmaceutical Nanotechnology, Nano scale, Drug delivery, Bio nanotechnology

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: A DESCRIPTIVE RESEARCH STUDY ON "FINANCIAL PERFORMANCE OF SUGAR INDUSTRIES IN INDIA"

  Author Name(s): Gamit Nileshbhai Dhansukhbhai, Dr.Bhumika Patel

  Published Paper ID: - IJCRT2408456

  Register Paper ID - 267689

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408456 and DOI :

  Author Country : Indian Author, India, 394650 , Dist Surat, 394650 , | Research Area: Commerce All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408456
Published Paper PDF: download.php?file=IJCRT2408456
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408456.pdf

  Your Paper Publication Details:

  Title: A DESCRIPTIVE RESEARCH STUDY ON "FINANCIAL PERFORMANCE OF SUGAR INDUSTRIES IN INDIA"

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e184-e187

 Year: August 2024

 Downloads: 280

  E-ISSN Number: 2320-2882

 Abstract

The Indian sugar industry is India's second largest agricultural industry after the cotton textile industry; It plays an important role in establishing the economic process and bringing economic change to underdeveloped regions. The sugar industry accounts for 7.5% of the total rural population and provides employment to 500,000 rural people. About 450 million farmers in India are involved in rice cultivation. Sugar mills (cooperative, private and public) have played an important role in many commercial projects in India. This article attempts to examine the progress of the Indian sugar industry to understand the issues and challenges in the ongoing liberalization process. The Indian sugar industry can become a global leader if it breaks free from the cycle of sugar shortage and surplus, reduced sugar production, reduced sugar, increased production costs and increased losses. It requires effective management at all levels of operations to increase production and productivity. Attention should be paid to reducing costs and commitment in the production of products.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Financial Performance, Indian sugar industry, Performance Indicators

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: A Comprehensive study on Benzoic Acid and its derivatives

  Author Name(s): Kalpana Barasker, Dr. Pushpendra Sharma, Dr. Neelu Jain

  Published Paper ID: - IJCRT2408455

  Register Paper ID - 241083

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408455 and DOI :

  Author Country : Indian Author, India, 466001 , Sehore, 466001 , | Research Area: Chemistry All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408455
Published Paper PDF: download.php?file=IJCRT2408455
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408455.pdf

  Your Paper Publication Details:

  Title: A COMPREHENSIVE STUDY ON BENZOIC ACID AND ITS DERIVATIVES

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Chemistry All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e173-e183

 Year: August 2024

 Downloads: 545

  E-ISSN Number: 2320-2882

 Abstract

In culinary, cosmetic, hygiene, and pharmaceutical goods, the derivatives of benzoic acid like ester, Hydroxy benzene, benzaldehyde, phenyl esters are frequently employed in many areas like they show antibacterial activity, antifungal activities, are used as flavouring agents and act as antifungal preservatives. These substances are widely disseminated in the society for their use Which have a profound effect on human health as they are available in air and soil for the manufacture of chemical substances. A naturally occurring organic substance, as well as synthetically produced benzoic acid, are both available. The study focuses on its numerous biological features, including nematicidal, antiviral, antifungal, antimutagenic, antiestrogenic, hypoglycemic, and anti-inflammatory. It has been shown that several derivatives of benzoic acid have direct effects on the haemoglobin, which can cure odema which is produced by direct use of acetic acid as well as some time also use for the treatment of sickle cell anemia. The biological activities of 4-BHA and its derivatives is thoroughly explained by the current investigation. Consequently, benzoic acid and its derivatives can have high, frequent, and prolonged human exposure.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Hypoglycemic, Nematicidal, Antimutagenic, Antiestrogenic, Anti-inflammatory

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: An investigative study on the role of green marketing and its effects on consumers

  Author Name(s): Namrata K, Chethan V K

  Published Paper ID: - IJCRT2408454

  Register Paper ID - 267833

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408454 and DOI :

  Author Country : Indian Author, India, 560060 , bangalore, 560060 , | Research Area: Management All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408454
Published Paper PDF: download.php?file=IJCRT2408454
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408454.pdf

  Your Paper Publication Details:

  Title: AN INVESTIGATIVE STUDY ON THE ROLE OF GREEN MARKETING AND ITS EFFECTS ON CONSUMERS

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Management All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e167-e172

 Year: August 2024

 Downloads: 256

  E-ISSN Number: 2320-2882

 Abstract

Abstract: In the present business scenario environmental issues are playing an important role in business. In most of the countries government is concerned about the environmental problems. In today's business environmentally sustainable development has become a key issue. Thus Green marketing is one of the strategies a firm can adopt to achieve this, Green Marketing refers to the process of selling products and /or services based on their environmental benefits. Such a product or service should be eco-friendly in itself or produced in an eco-friendly way. In today's environmentally conscious world the word "Green" has become a buzz word. Green causes are increasingly popular with public making green marketing good for public relations and sales. Green Marketing has been defined by AMA as "The study of the positive and negative aspects of marketing activities on pollution, energy depletion and non-energy resource depletion". However one of the basic assumptions of green marketing is that potential consumers would be willing to pay more for a "green" product. The present paper makes an attempt to analyse the awareness and willingness of the consumer to buy green products.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Key words: Green Marketing, Environmental Awareness, Green Product Features, Green Promotion, Green Price, Green Purchasing Behavior.

  License

Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: Open Credit Enablement Network (OCEN) - Democratizing the Small Credit Market in India

  Author Name(s): Mr. Prakash Rathod, Dr. CA. Kapil Thakore, Dr. (Hon) Anita Gupta

  Published Paper ID: - IJCRT2408453

  Register Paper ID - 267508

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2408453 and DOI :

  Author Country : Indian Author, India, 401107 , Thane, 401107 , | Research Area: Commerce All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2408453
Published Paper PDF: download.php?file=IJCRT2408453
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2408453.pdf

  Your Paper Publication Details:

  Title: OPEN CREDIT ENABLEMENT NETWORK (OCEN) - DEMOCRATIZING THE SMALL CREDIT MARKET IN INDIA

 DOI (Digital Object Identifier) :

 Pubished in Volume: 12  | Issue: 8  | Year: August 2024

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce All

 Author type: Indian Author

 Pubished in Volume: 12

 Issue: 8

 Pages: e153-e166

 Year: August 2024

 Downloads: 271

  E-ISSN Number: 2320-2882

 Abstract

India's economic landscape thrives on the dynamism of its Micro, Small, and Medium Enterprises (MSMEs) and individual entrepreneurs. These entities, often referred to as the "lifeblood" of the economy as they contribute significantly to job creation, innovation, and overall growth. However, their journey toward success faces a significant hurdle of limited access to formal credit. Several factors contribute to this challenge. The traditional credit landscape relies heavily on information asymmetry, where lenders struggle to accurately assess the creditworthiness of borrowers with limited or no formal credit history because of which many MSMEs and individuals, particularly those who are new to the market or are operating outside the formal economy become invisible to potential lenders. Secondly, stringent collateral requirements, which often involves physical assets like land or property, act as a barrier to entry, it effectively excludes those who lack such resources. Furthermore, high operational costs which is associated with processing small loans make them less attractive for lenders, further restricting access to affordable credit. These limitations create a vicious cycle that hinders financial inclusion and stifles the economic potential of a significant portion of the Indian population. Individuals and businesses are unable to access the financial resources they need to start, grow, and contribute effectively to the economic landscape. It is within this context that the Open Credit Enablement Network (OCEN) emerges as a beacon of hope. This is an innovative framework which is aiming to democratize the small credit market it is trying to break down the existing barriers and foster a more inclusive and accessible financial ecosystem. OCEN presents a unique opportunity to empower individuals and businesses, paving the way for economic growth and financial stability for all. This research delves into the potential of OCEN to transform the credit landscape in India. By exploring its functionalities, impact on stakeholders, and potential challenges, this study aims to shed light on how OCEN can empower individuals and businesses, ultimately contributing to a more prosperous and inclusive India.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Publish in Current issue

  License

Creative Commons Attribution 4.0 and The Open Definition



Call For Paper September 2026
Indexing Partner
ISSN and 7.97 Impact Factor Details


ISSN
ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
ISSN and 7.97 Impact Factor Details


ISSN
ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
DOI Details

Providing A digital object identifier by DOI.org How to get DOI?
For Reviewer /Referral (RMS) Earn 500 per paper
Our Social Link
Open Access
This material is Open Knowledge
This material is Open Data
This material is Open Content
Indexing Partner

Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)

indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer
indexer