“There is nothing certain in the world except death and tax: yet death and tax are uncertain as nobody knows when he will die or when the tax will change” --- Benjamin Franklin. Risk Management is generally regarded as a method of managing property and liability loss exposures, and it is rarely associated with life and health insurance of individuals as a method of managing personal loss ex1osures. This is not called for, inasmuch as risk management provides a framework that can be used to analyze almost all types of loss exposures, including life and health.

A Good quality education is the birth right of every child and it is a necessary condition for the development of any country in the world. One of the constitutional obligations of the Indian democracy is to provide universalisation of elementary / primary education in the country. Lots of efforts had been made before and after the independence of our country to provide free and compulsory elementary education to every child without any discrimination. In independent India, Article 45 of the Indian Constitution provided a basic framework in this direction. Apart from this various commission and committees are appointed by the Government of India. Many recommendations and programmes are chalked to universalisation of elementary education in India. In this paper an effort is made to throw a light on he universalisation of primary education in India and its policy, perspectives.

It is true that resources are scarce in nature and a regime which optimizes these resources to the fullest will achieve supremacy in this ever shrinking globe. The developing nations which showed tremendous speed and recovery in their growth processes have gone flat in last three years indicating the saturation level of the demand and market size. The markets in urban areas have been pushed to the limits and it is the rural market which holds a key for unlocking the growth potential of major economies of the world. The rural market which now achieves a fore is completely rudimentary in their tastes, needs and preferences. Hence, Financial Inclusion seems to be the most powerful and handy tool with most political regimes in their efforts to streamline respective economies.

The paper intends to give two way analyses on the implication of urbanization on the demand for life insurance and non-life insurance in India. Firstly, we try out to give the theoretical background to the effect of urbanization in general on society then related it to insurance opportunities. Then we conducted an empirical investigation on the impact of urbanization on demand for life insurance and non-life insurance, i.e. Penetration and density by conducting OLS Regression, and Granger Causality. The results are similar in both grounds, suggesting inevitable urbanization opportunities can provide a positive impact for insurance products.

Derivative means a forward, future, option or any other hybrid contract of pre determined fixed duration, linked for the purpose of contract fulfillment to the value of a specified real or financial asset or to an index of securities. The primary objective of the study is to understand the derivative market and to understand the different aspects of derivatives and its functioning in market, and also to understand the customer perception towards making investment in any kind of stock and in derivatives.

ACC Ltd plant is located at Wadi, Gulbarga district of Karnataka. A study of compensation policies of the company was assessed by interviewing total 142 workers working in ACC plant. It was found that the compensation policies of the company are best in the industry and as such, the company has achieved progress and development in terms of production, efficiency of workers, productivity, etc.

The radical changes in the globalization have impacted the economies of many countries. In current economic scenario, every organization regardless of its location, size, nature of business is affected by fraud in some or the other way. Financial accounting fraud detection (FAFD) mechanism has become a vital and an upcoming topic of great importance in the field of academics, research and industries. Today the failure in the internal auditing system of the organisation in detecting the accounting frauds has led to the use of focused procedures to identify the accounting frauds in organization. This is collectively known as Forensic Accounting. The main aim of this article is study the reasons why fraud occurs in financial accounting, the role of an auditor and his responsibilities in Fraud detectionand to identify the possibilities to eliminate the fraud.

FDI in retail magnetize investment improve the availability of goods for the consumers, and also persuade sourcing of goods from different parts of world and thereby boost competitiveness of Indian enterprises through access to global designs, technologies and management practices. FDI in India accounts for 14 to 15 per cent of GDP. The Indian retail market is estimated to be US$500 billion and one of the top live retail markets in the world by economic value.

Today’s business is facing an uphill task to meet the growing expectation of society. There has been a very strong feeling that business should be socially responsible as it makes use of the resources of society and largely depends on society for its functioning. The business must be congruent with the social needs, aspirations, and expectations. Business should work for the welfare and upgrading the overall standard of the society at large. The companies now have to be more socially sensitive and responsible. The objective of the business has to be proper utilization of resources for the benefit of the society.

Today the green marketing is one of the burning issue in world-wide evidence indicates that people are becoming concerned about the environment and are changing their behavior accordingly. As a result, there is a growing market for sustainable and socially responsible products and services. When all else is equal – quality, price, performance and availability – environmental benefit will most likely tip the balance in favour of a product. This paper will attempt 1) to introduce the terms and concepts of green marketing; 2) briefly discuss why going green is important; 3) examine some of the reason that organizations are adopting a green marketing philosophy; and 4) mention some of the problems with green marketing.

Kotler defines a service as “any act or performance that one party can offer to another that is essentially intangible and does not result in the ownership of anything. Its production may or may not be tied to a physical product.

Brand become everyones part of life, an important concern for marketing managers is developing and maintaining long-term relationships with customers. In this context, brand loyalty helps with a better understanding of the link between consumers and brands. Conquering a new customer becomes more and more problematic and costly and it is often the loyal customers that assure the growth and the survival of the brand for the years to come. Strong, favourable and unique brand associations are essential as points-of-difference that can serve as sources of brand to drive the differential effects. The purpose of this paper is to identify the role of product involvement and post purchase services on brand loyalty, brand attachment and brand community. And the results show that product involvement and post purchase services have impact on brand loyalty, attachment and engagement. This paper gives an empirical outcome of the determinants of brand resonance among Enfield users.

Indian banking industry, today is in the midst of an Information Technology revolution. A combination of regulatory and competitive reasons has led to increasing importance of total banking automation in the Indian Banking Industry. Information Technology has basically been used under two different avenues in Banking. One is Communication and Connectivity and other is Business Process Reengineering. Information technology enables sophisticated product development, better market infrastructure, implementation of reliable techniques for control of risks and helps the financial intermediaries to reach geographically distant and diversified markets. The term “Information Technology” describes the phenomenon created by the convergence of technologies associated with computing, communication and office systems.

Retail means the sale of goods or commodities in small quantities directly to consumers. It is the business of selling products and services to the public as the ultimate consumer. Retailing involves selling many different products and services, either from a stores location or in direct selling through vending machines and in-house presentations, mail order and so on. This paper is a modest attempt on studying the challenges of retail sector related to the most precious resource that is undoubtedly human resource in India. The basic issue in retail related to HRM is recruitment as well as retaining. Human resource planning process is a step towards job excellence and simultaneous organizational excellence and in retailing it is important to use HRP. It is very important that the job these employee’s are doing must be interesting and relevant to their qualification or expertise.

Employee Engagement is a critical aspect for most organizations given the challenges with respect to talent management and retention. The present study examined the role of Perceived Organizational Support (POS) and Perceived Superior Support (PSS) in predicting levels of Employee Engagement with specific reference to the employees of the Information Technology and Enabled Services (ITES) sector. 130 professionals from an Indian IT company filled the Employee Engagement scale, Perceived Organizational Support scale and Perceived Superior Support scale. Results indicated that the employee engagement levels for the male participants (Mean= 16.54, SD= 2.05) was significantly higher (t= 2. 44, p< 0.02) than Female participants (Mean= 15.6, SD= 2.35).

The concept of globalization refers to an increasing flow of goods and resources across national borders and the emergence of a complementary set of organizational structures to manage the expanding network of international economic activity and transactions. Globalization is expected to accelerate grow in the developing countries. The role of human resource management cannot be over emphasized. The internationalization process has made it necessary now to consider ways we can effectively manage our human resources. The aims of the paper are to examine globalization in relation to the management of human resources; it tries to look at the effects of globalization in terms of increased competition.

Banks play an active role in the economic development of a country. Their ability to make a positive contribution in igniting the process of growth depends on the effective banking system. The banking system is an important constituent of the overall economic system. It plays a major role in mobilizing the nation’s savings and in channelizing them into high investment priorities and better be described as the kingpin of the chariot of economic progress.