Volume 12 | Issue 7

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Women are economically empowered through small scale entrepreneurship programmes with the help of the Self Help Movement. Economic empowerment of women lead to the empowerment of women in several aspects such as socio- economic opportunity, property rights, political representation, social equality, personal rights, family development, and community development and at last the nation development. Globally, 48 out of 100 wage-earning jobs in the non-agricultural sector are held by women. Only 24 out of 166 countries have achieved that target at all levels of education, but women still enter the labour market on an unequal basis to men, even after accounting for educational background and skills. As per the Secretary-General's pre-CSW report Challenges and achievements in the implementation of the Millennium Development Goals for women and girls, while the three indicators under Goal 3 reflect important dimensions of gender inequality, the narrow focus of Goal 3 fails to address such critical issues as violence against women, inequalities in the division of unpaid care work, women's limited access to assets, violations of women's and girls' sexual and reproductive health and rights, and their unequal participation in private and public decision-making beyond national parliaments., women spend on average roughly twice as much or more time than men on unpaid domestic and care work. The report stresses that unless all dimensions of gender inequality are addressed, the overall Millennium Development Goal of gender equality and women's empowerment cannot be achieved

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Economically empowered , property rights, political representation,unpaid care work, reproductive health, women's empowerment

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Microfinance plays an important role for rural development. Poor group of society can start their own small business on small level and create new job opportunities with the help of Microfinance. Microfinance is the backbone of rural economy. Low-income people or the unemployed who do not have other access to financial services can use microfinance, also known as microcredit, which is a banking service. They lack access to regular financial sources and do not have enough money to conduct business. From this angle, microfinance is helping the impoverished, especially in rural regions. Women living in rural areas around the nation have seen notable improvements thanks to financial assistance from the microfinance industry. This study specifically focuses on Sivadi Village, Peddapanjani Mandal, Chittoor district. In addition to examining how the poor people's quality of life has changed since they started microfinance and whether microfinance has helped the residents of Sivadi Village, Chittoor District, this study assesses whether microfinance genuinely helps the impoverished in rural areas. This study tries to determine whether microfinance has helped the poor in Sivadi Village, Chittoor District, and whether it has improved their standard of living since joining the program. It also assesses whether microfinance genuinely helps the impoverished in rural areas. A structured questionnaire is used in a survey approach to gather data with a sample size of 100. After applying correlation, chi-square testing, and descriptive analysis to the data, it was discovered that the respondents' financial holdings increased along with their improved standard of living. The respondents believed that microfinance facilitated economic growth, and it was ultimately determined that microfinance is crucial to rural development.

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standard of living, financial assets, microcredit, microfinance, and economic development.

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In economies like India, where savings of ten exceed expenditures and women typically manage household budgets effectively through both lean and prosperous periods, there remains a notable gender disparity. Financial inclusion ranks as a top priority on India's national agenda, crucial for fostering inclusive economic growth by extending formal banking services to the most underserved segments of society. India stands out globally for its efficient financial markets characterized by advanced technology, robust regulatory frameworks, and sophisticated systems. The country also boasts one of the highest savings rates globally. Despite these strengths, India continues to face significant challenges as one of the world's poorer nations. The disparity lies not in the amount saved, but rather in the deployment of these savings, prompting a critical need to transform a nation of savers into a nation of investors.

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THE IMPACT OF SELF-HELP GROUPS (DWCRA) ON FINANCIAL SERVICES' AWARENESS

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The mutual fund industry plays a dynamic role in economy by mobilizing savings and investing them in the capital market. Mutual funds play a vital role in pooling the huge chunk through small investments. This study aims to investigate the SBI Long Term Equity Fund - Growth Option Scheme's performance review.A number of financial tests, including Standard Deviation, Beta, Treynor, Treynor, Jensen, and Fama ratios, were evaluated in order to complete the analysis, (M2) Franco Modigliani and Lea Modigliani & R2(Correlation squared). Gathering information from multiple sources, including RBI, SEBI, and AMFI. According to the various techniques, this research presents a picture where the majority of the year's fund returns exceed the market return.

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Mutual fund, Capital, Jensen Ratio, AMFI, RBI.

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This study looks at the journey from traditional printing to digital programming as a result of which money evolves and its effect on global economic systems. It will begin by looking at how physical currency came into being, then it will discuss the advent of digital currencies and blockchain technology, and finally it will analyse some of the regulatory issues that surround their adoption. Some key topics include traditional process of money printing, physical currency security characteristics, cryptocurrency system coming in place, smart contracts, decentralized finance (DeFi). The shift from physical to virtual or electronic forms of money has been discussed in this paper as both having advantages and disadvantages like system improvement such as safety and spread-out control but also apprehensions around the governance and stability. This implies that there is need to balance innovation with stability and soundness of financial systems. In conclusion, the paper therefore argues for more research, collaborations among stakeholders, adequate regulatory frameworks that can help navigating through an ever-changing complex digitalized finance space. Hence this paper suggests that these changes are important to society's preparedness for future monetary and financial system in an increasingly digital world.

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Money - from printing to programming

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Microfinance is an economic activity which deals with disbursement and collection of small-scale investment particularly to unbaked people. Microfinance institutions (MFIs) have demonstrated commendable growth rate in Indian finance sector especially in south regions. Consistent monitoring and emergence of new regulatory bodies like MFIN, the confidence of stakeholders has been enhanced in this sector. Although MFIs sufficiently capitalized for their present operations, the ability to procurement of capital properly still is critical to maintain the growth momentum. Finance is an extraordinary effective tool in spreading economic opportunity and fighting against poverty. Access to finance allows the poor to use their rich talents or open avenues for greater opportunities. Providing sustained credit services is one of the means to increase income and productivity of poor. Though the banking system in India witnessed unprecedented growth and achieved phenomenal outreach, notwithstanding this, empirical studies in the 1980s have revealed that a very large number of poorest of the poor continue to remain outside the reach of formal banking system. It is realized that existing banking policies, procedures and system not have been well suited to meet the credit needs of poor. And, it is in this situation micro finance has come as a solution. However, today it represents a market solution to mitigation of poverty and acts as a development and economic tool in bringing about financial inclusion in India. The institutions that are providing microfinance services such as savings, credit, insurance and remittance services to poor are called Microfinance Institutions (MFIs). MFIs have come up as a bridge between banks and poor, whose only source of credit has so far been the money lender.

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Financial Performance of Micro Finance in India-An Analysis

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India occupies the seventh position in terms of area and the second place in terms of population among the countries of the world. Despite the significant changes in the way of life of the people as a result of many development programs and economic reforms undertaken by the government after independence, many social and economic inequalities still persist in the society in various forms. Around 30-40% of poverty continues to persist in rural areas. Discrimination against rural women in particular continues. Educational disparities continue to grow. Over the last few decades, the Indian government has been giving priority to women in all sectors, but there is still a significant gender gap in education, health, equal recognition with men in society, empowerment, investment and economic participation. Women make up one-third of the national workforce, yet they continue to be disadvantaged by discrimination, low wages, and poor access to resources. Moreover, despite having the skills to set up and run handicrafts and cottage industries efficiently, women in rural areas live as labourers in agriculture and other low-wage occupations without adequate credit facilities.

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Role of DWCRA groups in financial empowerment of rural women A case study in Dumpagadapa village, West Godavari district, A.P.

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India has seen a huge boom in the asset management industry in recent years with a growth of 1400 percent over the last 15 years, and it is only going to pick up it space to expansion with impetus from the growth of other investment funds. The asset management industry has hit a record of $126trillion in total assets in the year 2022. The asset management industry has observed a remarkable achievement in the market of profitability, revenue growth, however the industry is facing certain challenges from various angles. For the last decade, asset management industry has substantial growth in net assets and has provided higher margins, growing capital requirement, and high historical growth. It is observed that globally the ten largest listed asset management companies (AMCs) account for 90% of total assets.

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A Study on Perception of Investors towards Mutual Funds

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Artificial intelligence is becoming popular in several fields in the market today. A significant technological advancement that encompasses algorithm language and machine learning (ML) is artificial intelligence (AI). The ability of machines, or computers, to make intelligent decisions similar to those made by humans is known as artificial intelligence (AI). determine what has to be done, usually with relation to finishing a specific assignment

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A STUDY OF ARTIFICIAL INTELLIGENCE IN THE FINANCE SECTOR

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In India a significant portion of the population is shifting their investmenttowards Mutual funds. Traditional investment such as gold, real estate, bank depositsetc are slowly losing their popularity. The main reason behind Mutual funds garneringattention as a popular investment vehicle is due to its ability to generate higher returnswhen compared to the conventional method of investment such as the ones mentionedabove.ThegrowthintheMutualfundindustrycanbeseenbytheincreaseintheAUM during the last decade. The Assets under management (AUM) of the IndianMutual fund industry has grown from Rs6.80 trillion as on June30th ,2012 to Rs35,64trillionasonJune30th2022,morethan5foldincreaseinaspanof10years

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GROWTH OF THE MUTUAL FUNDS - PERFORMANCE INTHEINDIANBUSINESSMARKET

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In a developing country like India where majority of the population still live in rural areas andformal credit facilities are limited in most of the rural parts microfinance provides financial services to the poor. Microfinance is regarded as an useful tool for economic development by uplifting the poor section of the society and it is working in this direction.Microfinance as a mechanism for poverty alleviation is well recognized all over the world.If used properly it isan efficient and effective tool. In India still a significant proportion of the population lives under poverty. Somicrofinanceisaperfectmatchforaddressingthisproblem.Microfinanceisbasicallyfinancingforthepoorsothat they can engage themselves in various income generating activities and improve their social and economicstatus.

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Status of SHG-Bank Linkage Programme in India

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The financial services sector in India, comprising banking, insurance, and investment services, plays a pivotal role in the country's economy. In recent years, the industry has faced significant challenges in attracting and retaining top talent, largely due to evolving market dynamics and changing employee expectations. Employer branding has emerged as a critical strategy to address these challenges, helping companies differentiate themselves and build a competitive edge in the talent market. This introduction explores the opportunities, issues, and challenges in employer branding for talent acquisition and retention within multinational corporations (MNCs) operating in India's financial services sector, leveraging the latest industry insights and research findings.

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Financial Services in India: Opportunities, Issues, and Challenges in Employer Branding for Talent Acquisition and Retention - A Comparative Study of Multinational Corporations

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In the competitive landscape of India's financial services sector, the strategic integration of Human Resources (HR) and Marketing functions has become increasingly crucial for organizational success. With the industry experiencing rapid growth and evolving customer expectations, the alignment of these traditionally disparate disciplines is seen as a pivotal approach to enhancing talent acquisition, fostering employee engagement, and bolstering overall organizational performance (Smith & Johnson, 2020; Patel et al., 2021).

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Synergizing HR and Marketing in India's Financial Services: Navigating Opportunities, Overcoming Challenges, and Elevating Performance

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The financial services sector in India has witnessed remarkable growth and transformation over the past decade. This evolution is driven by technological advancements, regulatory reforms, and increasing consumer expectations (Kumar, 2023). Amidst this dynamic environment, the role of internal marketing has emerged as a crucial determinant of organizational success. Internal marketing, which involves treating employees as internal customers and implementing strategies to enhance their satisfaction and engagement, is instrumental in fostering a motivated and productive workforce (Sinha & Verma, 2022).

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The Role of Internal Marketing in Shaping Employee Satisfaction and Customer Experience in India's Financial Sector

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Behavioral finance has garnered significant attention in recent years for its exploration of the psychological factors that influence investment decisions. This study aims to investigate the investment behaviour of Indian securities investors through the lens of behavioural finance. Sewell (2007) defines behavioural finance as the study of how psychology influences the behaviour of financial practitioners and subsequently affects markets (Ogunlusi&Obademi, 2019). The field of behavioural finance illuminates investors' irrationality and biased behaviour, underscoring the importance of comprehending human psychology in financial decision-making (Rushdi, 2019).

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A BEHAVIORAL FINANCE ANALYSIS OF THE INVESTMENT DECISIONS MADE BY INDIAN SECURITIES INVESTORS

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In recent years the increasing importance of the future market in the Indian markets has received considerable attention from researchers, academicians and financial Analysis. the present study is undertaken with an attempt to determine the share price movements and its volatility of the selected ten companies of financial service sector, which is in nifty fifty companies list. In this research, we attempt to study the volatility implications of the introduction of derivatives on the cash market. Through this study, we seek evidence regarding whether the listing of futures and options lead to any significant change in the volatility of the cash market in India. We select a general index called the S&P CNX Nifty Index to which the first derivatives contract was introduced by the NSE in India. The previous study noted the peculiar characteristics of IT stocks and arrived at the conclusion that stock-specific characteristics must be studied for any general conclusion. As a benchmark index, the Nifty Index is expected to show wider, more balanced and more applicable results and thus can be treated as a true replica of the Indian derivatives market. Most of the Indian studies did not consider options contract, but this study examines the introduction of options while also analysing volatility Capital market is a place for buying and selling of long- term financial claims. It is themarket wheretransactions are made in long term securities such as stocks and bonds. The participants of this market includes various financial institutions, mutual funds, agents, brokers, dealers, individual investors andother borrowers andlenders oflong term debt and equity capital. Capital market consists of two majorparts

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A STUDY OF VOLATALITY OF INDIAN STOCK MARKET

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The emergence of money as a medium of exchange pushed the age old barter system aside and became the backbone of all the economic activities in the modern societies offline and online too. Any financial payment is the beginning point of the whole economic growth process in any sector of the economy ex. Agriculture, Industry, Services. The entire economy is knitted through financial services like traditional banking and its modern online payment services like apps, payment gateways etc., for a quick and real time payments to catch up with the dynamic globalization contextand to achieve sustained economic growth.

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LAGGERED MONEY PAYMENTS - STAGGERED ECONOMIC GROWTH

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Mutual fund is a financial instrument that pools money from different investors. The pooled money is then invested in securities like stocks of listed companies, government bonds, corporate bonds, and money market instruments. A mutual fund is a professionally-managed investment scheme, usually run by an asset management company that brings together a group of people and invests their money in stocks, bonds and other securities. Mutual funds are managed by sound financial professionals known as fund managers, who have the expertise in analysing and managing investments. The funds collected from investors in mutual funds are invested by the fund managers in different financial assets such as stocks, bonds, and other assets, as defined by the fund's investment objective. There are multiple ways in which mutual funds can be categorized, for example, the way they are structured, the kind of securities they hold, their investment strategies, etc.

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AN ANALYSIS OF EQUITY MUTUAL FUNDS IN INDIA

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The insurance industry has already invested a lot in improving customer journeys, but there's still more to do as: the insurance customer experience is still far from being as attractive as those in other industries. Today's digital consumers expect personalised and flexible offers at the point of interest. Insurers can be much closer to customers much faster thanks to digital processes that create an end-to-end view and harness automation.

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SUSTAINABILITY OF DIGITAL INSURANCE CHALLENGES AND OPPORTUNITIES

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Andhra Pradesh is the eighth-largest State in the country. With a geographical area of 1,62,970 square km, the state has the second longest coastline in the country, with a length of 974 km. In terms of population, Andhra Pradesh is the tenth largest state in the country, accounting for 4.10% of the country's total population as per the 2011 Census. The decadal growth of the population rose from 18.88% during 1961-71 to 21.13% during 1981-91. Subsequently, a significant decline was observed in the population's growth rate, and the decline is even more prominent at 9.21% during 2001-11, lower than the All-India's growth rate of 17.70 percent. The density of the population for Andhra Pradesh is 304 persons per square kilometer, as against 382 persons per square kilometer at all Indian level in 2011(Socio-Economic Survey, 2021)

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Fiscal Situation in Andhra Pradesh: A Macro View

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