DR. REKHA JOSHI | Kumaun University Nainital, Uttarakhand, India (original) (raw)

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Papers by DR. REKHA JOSHI

Research paper thumbnail of Exploring the Impect of Artificial Intelligence on Digital Marketing

Research paper thumbnail of Consumer awareness regarding harmful chemicals in everyday products

International Journal of Business Forecasting and Marketing Intelligence

Research paper thumbnail of Consumer awareness regarding harmful chemicals in everyday products

International Journal of Business Forecasting and Marketing Intelligence, 2022

High-risk chemical substances in everyday products can have a terrible impact on human health and... more High-risk chemical substances in everyday products can have a terrible impact on human health and the environment. Such chemicals can contain a variety of harmful substances that may be neglected by most consumers. Consumer awareness has prompted businesses to substitute less harmful alternatives. Many chemical substances, such as preservatives in cleaning agents, perfumes in personal care products, and others, are found in daily household products and have become a worrying concern as consumers' awareness has increased. This has also become an alarming issue due to consumers' increased awareness regarding chemicals. The present study was conducted on 100 consumers using a well-structured questionnaire in the Nainital District of Uttarakhand using the convenience random sampling method. The study's findings revealed that the majority of respondents were aware and seriously concerned that the products they used every day had chemicals that may have affected their health and the environment. Warning signals and signs, the information provided on packaging or labelling of the product, media reports, the internet, and newspaper articles were all recognised as information sources by the majority of participants, although information from authorities was not mentioned very often. To reduce the risk of such products, respondents stop purchasing that product and make sure to follow the safety instructions given in the packaging of the product. Consumers should be made more aware of such products by a stronger media so that they can take preventive measures in the case of any mishap.
Keywords- Consumers, Consumer Awareness, Hazardous Chemicals, Consumer Products

Research paper thumbnail of Impact of Online Shopping On Retail Business 3

International journal of Advances in Engineering and Management (IJAEM), 2022

The e-commerce industry in India is quickly growing. Online shopping has become highly popular wi... more The e-commerce industry in India is quickly growing. Online shopping has become highly popular with people who are always busy and seeking a quick way to purchase something. Consumers are continually devoting more of their time and money to online marketing. Consumers purchase online for a variety of reasons, the most important of which are price, convenience, and the large selection of items accessible. The current study was conducted on 50 retail store owners in the Nainital District of Uttarakhand's Haldwani city.Data was obtained using a well-structured questionnaire. The study revealed that a majority of retailers own medium-sized retail shops and have been in their respective businesses for more than 5 years. As a result of recent growth in online shopping, the average sales and the profit margin have not increased in the past few years. As a result, they've started to provide a greater choice of items in their store these days, and they also offer individualised after-sales services like return and replacement or home delivery of their numerous items.

Research paper thumbnail of Impact of Television Commercials on the Buying Behaviour of Customers in the Nainital District (With special reference to FMCG Products

Quest Journals Journal of Research in Business and Management , 2022

Commercials on television are often regarded as one of the most effective means of influencing cu... more Commercials on television are often regarded as one of the most effective means of influencing customer purchasing decisions. The goal of this research is to see how television commercials influence FMCG buyers' purchasing decisions. The data was gathered from 100 people from urban and rural regions residing in Nainital district by circulating an online questionnaire, amongst whom were graduates, postgraduates , employees, and businessmen. According to the results, the majority of female respondents have noticed a significant shift in their purchasing habits as they are somehow influenced by television commercials. According to the findings of the study, FMCG commercials are effective in influencing FMCG product purchasing behaviour, particularly for cosmetics and beverages. Consumers' purchase habits are also influenced by quality. Customers want to buy things that are of high quality. They spend more than Rs. 3,000 on these items. According to the findings, personal variables and product quality have a greater influence in determining consumer purchase behaviour.

Research paper thumbnail of A Study on the Impact of TV Advertising on Youth Buying Behaviour (With Special Reference to Nainital District

IJCRT, 2021

India is a booming nation with a variety of brands to choose from. Companies are finding it diffi... more India is a booming nation with a variety of brands to choose from. Companies are finding it difficult to differentiate their products based on basic product attributes because there are too many products available in the market. Through advertising, businesses can generate awareness and differentiate themselves among their customers, and television is the best way to achieve this. Television is the most widely used medium for advertising to gain information regarding a product or service, and yet it is the most practical method of reaching out to young people. The current study was conducted on 100 young customers between the ages of 15 and 29 in the Nainital District, and data was collected through a well-structured questionnaire in order to determine the impact of television advertisements on their purchasing behaviour. The study conducted revealed that television advertisements have a significant impact on the buying behaviour of young consumers. The results of the study also indicated that these ads have a crucial role in introducing a new product and making better buying decisions for the family. 67% of youth seek advice from their family before going shopping. They believe that ads on television help them in making better purchasing or shopping decisions. Young people are motivated to buy a product when it is endorsed by a famous personality or celebrity.

Research paper thumbnail of Role of Self Help Groups and Micro financing in the Social and Economic Development of Rural People in Uttarakhand (A Comprehensive Literature Review

International Journal of Advances in Engineering and Management (IJAEM), 2022

In many developing nations, particularly India, the SHG program is gaining recognition as an in... more In many developing nations, particularly India, the
SHG program is gaining recognition as an
innovation in the field of rural lending to assist the
rural poor in alleviating poverty and empowering
women. It is seen as a route for reaching the
underprivileged and neglected segments of society,
who would not normally be able to obtain loans
from banks. The primary purpose of SHG
beneficiaries is to remove poverty from their roots,
and it assists them in combating poverty since there
is a need for adequate money to be available for
rural people. Women's empowerment in India is
still a work in progress. Currently, self-help groups
are playing a significant role in this direction.
Women's participation in these groups has a
significant impact on increasing their quality of life
as well as their social upliftment in society. The
current study is descriptive in nature and critically
evaluates numerous empirical studies conducted in
the Uttarakhand state of India on SHGs and
microfinance. According to the findings of this
study, studies conducted in Uttarakhand show that
microfinance and self-help groups, in general,
contributed to the development of the core poor in
terms of economic well-being, poverty alleviation,
and empowerment, resulting in the overall
development of the rural poor.

Books by DR. REKHA JOSHI

Research paper thumbnail of Strategic Human Resource Management

RED’SHINE PUBLICATION PVT. LTD., 2023

SYLLABUS UNIT NO. CONTENTS 1 STRATEGIC HUMAN RESOURCE MANAGEMENT: • Concept and Aims of Strategic... more SYLLABUS
UNIT NO. CONTENTS
1 STRATEGIC HUMAN RESOURCE MANAGEMENT:
• Concept and Aims of Strategic Human Resource
Management
• Models of Strategic HRM
• Strategic HRM and the Resource
• Strategic role of HR function
• Aspects of Alignment between business strategies and
HR strategies.
2 FUNCTIONAL STRATEGIC HUMAN RESOURCE
STRATEGIES:
• Employee resourcing strategy
• Strategies for Managing Performance
• Strategic Human Resource Development
• Reward and Compensation Strategy
• Employee relations Strategy.
3 STRATEGIC HRM AND STRATEGIC CHANGE:
• Strategic HR issues and role of HR in the context of
Change
• Culture Management
• Total Quality Management
• Knowledge Management
• Merger and Acquisition
• HR perspective of Corporate Governance.
4 EVALUATING AND MEASURING THE IMPACT OF
STRATEGIC HRM:
• Overview and Approaches
• Quantitative and Qualitative Criteria
• Balanced scorecard and HR Scorecard Perspective
• Evaluating strategic contribution of Traditional areas
• Strategic contribution of HRM to organizational
success.
UNIT NO. CONTENTS
5 HUMAN RESOURCE STRATEGY AND THE DYNAMICS OF
INDUSTRY:
• Strategic HRM for specific business situations
• Talent Management
• Knowledge Management with special reference to
HRM practice in Knowledge based Industry
• Strategic HR Issues vs. Emerging Organizational Forms
• Corporate HR Strategy in the Global Economy.

Research paper thumbnail of Rural marketing

RED’SHINE PUBLICATION PVT. LTD., 2022

Rural marketing has emerged as an exciting and dynamic discipline. India is predominantly an agri... more Rural marketing has emerged as an exciting and dynamic
discipline. India is predominantly an agriculturebased economy with
approximately 7, 00,000 villages involve directly or indirectly in
agricultural activities. Rural India is the backbone of Indian economy
and it contributes significantly to the economy in terms of providing
with food grains, vegetables, fruits which are essential for the human’s
existence. More than 60% of the Indian population lives in rural areas
and depends directly or indirectly on agriculture and allied activities
such as dairy, poultry and pisciculture. Rural products and produces
are in great demand in the cities and urban areas and even globally due
to changing preferences of the urban consumers. Rural products like
handlooms and handicrafts are very popular among foreign tourists.
These changing preferences for rural products have a significant
impact on the Indian economy. With opening up of the Indian
economy to the competition after liberalization in1991, many rural
organizations have started professionally operating their organizations
with a better understanding of the functions of management and the
concepts of rural marketing. The rural marketing is of growing interest
in developing countries like India. The accomplishments of Self-help
Groups, Micro Finance Institutions, Farmers Interest Groups, Rural
artisans’ businesses, producer organisations have to be given due credit
in the growth of rural organizations.
The book focuses on the different set of challenges which are
faced by rural marketers when operating in rural areas. The challenges
are primarily due to the absence of a proper framework to guide
decision making in rural markets. In recent years a lot of work has
been undertaken in the area of rural marketing and new concepts,
definitions and technological advancements have been incorporated for
better understanding of rural marketing. This Book talks about the
concepts, definitions and latest advancements and challenges in the
area of Rural Marketing.
Please let us know if there is any new or fascinating information
that you would want to have included in future editions of this
publication, and we will do all in my power to meet your requests. Any
feedback, whether it be in the form of comments, critiques, or edits to
the current material, will be warmly received.

Research paper thumbnail of E-COMMERCE

RED’SHINE PUBLICATION PVT. LTD, 2022

NO. UNIT TITLE 1 E-Commerce Overview: Traditional C... more NO. UNIT TITLE
1 E-Commerce Overview: Traditional Commerce Vs E-Commerce; E-Commerce & EBusiness; Categories of E-Commerce; Development & Growth of E-Commerce; Advantages & Disadvantages of E-Commerce.
2 E-Commerce Infrastructure: E-Commerce Architectural Framework; The Internet and Internet Protocols; Internet, Intranet and Extranets; Internet
connection options; Security Issues in E-Commerce environment; Encryption Techniques; Payment systems; Legal, Ethical & Tax Issues in E-Commerce.
3 Online Marketing: Online Marketing; Business Models of E-Marketing; Online Advertisement; Online retailing; E-Auctions.
4 Online Services: Online Financial Services; Online Banking & Brokerage; Online Insurance Services; Online Real Estate Services; Online Travel
Services; Online Hospitality Services; Online Recruitment
Services; Online Publishing Services; Online Entertainment; ELearning.
5 Mobile Commerce: Definition of Mobile Commerce; Mobile Commerce framework; Growth of Mobile Commerce; Benefits & Limitations of Mobile
Commerce; Mobile Network Infrastructure; Information Distribution for Mobile Networks; Multimedia Content Publishing; Mobile Payment Models; Mobile Commerce Applications.

Thesis Chapters by DR. REKHA JOSHI

Research paper thumbnail of राज्य प्रायोजित विकास कार्यक्रमों की अल्मोड़ा व बागेश्वर जनपदों के आर्थिक विकास में भूमिका एवं इन कार्यक्रमों के क्रियान्वयन में बैकिंग क्षेत्र का योगदान"

भारत में गरीबी एवं बेरोजगारी एक बड़ी समस्या रही है। स्वतंत्रता प्राप्ति के पश्चात् देश के आर्थिक ... more भारत में गरीबी एवं बेरोजगारी एक बड़ी समस्या रही है। स्वतंत्रता प्राप्ति के पश्चात् देश के आर्थिक विकास के लिए आर्थिक नियोजन का सहारा लिया गया। सरकार द्वारा गरीबी उन्मूलन एवं रोजगार के अवसर सृजित करने की दृष्टि से गरीबों एवं निर्बल वर्ग के लोगों को ध्यान में रखते हुए कई विकास कार्यक्रम क्रियान्वित किए गए। इन कार्यक्रमों की सफलता हेतु विभिन्न कार्यक्रमों की क्रियान्वयन संस्थाएं एवं साख सुविधा उपलब्ध कराने वाले बैंक महत्वपूर्ण भूमिका का निर्वाह कर रहे हैं।

प्रस्तुत शोध प्रबन्ध में राज्य प्रायोजित विकास कार्यक्रमों की अल्मोड़ा व बागेश्वर जनपदों के आर्थिक विकास में भूमिका एवं इन कार्यक्रमों के क्रियान्वयन में बैंकिंग क्षेत्र के योगदान का तुलनात्मक एवं विश्लेषणात्मक अध्ययन प्रस्तुत किया गया है।

Research paper thumbnail of Exploring the Impect of Artificial Intelligence on Digital Marketing

Research paper thumbnail of Consumer awareness regarding harmful chemicals in everyday products

International Journal of Business Forecasting and Marketing Intelligence

Research paper thumbnail of Consumer awareness regarding harmful chemicals in everyday products

International Journal of Business Forecasting and Marketing Intelligence, 2022

High-risk chemical substances in everyday products can have a terrible impact on human health and... more High-risk chemical substances in everyday products can have a terrible impact on human health and the environment. Such chemicals can contain a variety of harmful substances that may be neglected by most consumers. Consumer awareness has prompted businesses to substitute less harmful alternatives. Many chemical substances, such as preservatives in cleaning agents, perfumes in personal care products, and others, are found in daily household products and have become a worrying concern as consumers' awareness has increased. This has also become an alarming issue due to consumers' increased awareness regarding chemicals. The present study was conducted on 100 consumers using a well-structured questionnaire in the Nainital District of Uttarakhand using the convenience random sampling method. The study's findings revealed that the majority of respondents were aware and seriously concerned that the products they used every day had chemicals that may have affected their health and the environment. Warning signals and signs, the information provided on packaging or labelling of the product, media reports, the internet, and newspaper articles were all recognised as information sources by the majority of participants, although information from authorities was not mentioned very often. To reduce the risk of such products, respondents stop purchasing that product and make sure to follow the safety instructions given in the packaging of the product. Consumers should be made more aware of such products by a stronger media so that they can take preventive measures in the case of any mishap.
Keywords- Consumers, Consumer Awareness, Hazardous Chemicals, Consumer Products

Research paper thumbnail of Impact of Online Shopping On Retail Business 3

International journal of Advances in Engineering and Management (IJAEM), 2022

The e-commerce industry in India is quickly growing. Online shopping has become highly popular wi... more The e-commerce industry in India is quickly growing. Online shopping has become highly popular with people who are always busy and seeking a quick way to purchase something. Consumers are continually devoting more of their time and money to online marketing. Consumers purchase online for a variety of reasons, the most important of which are price, convenience, and the large selection of items accessible. The current study was conducted on 50 retail store owners in the Nainital District of Uttarakhand's Haldwani city.Data was obtained using a well-structured questionnaire. The study revealed that a majority of retailers own medium-sized retail shops and have been in their respective businesses for more than 5 years. As a result of recent growth in online shopping, the average sales and the profit margin have not increased in the past few years. As a result, they've started to provide a greater choice of items in their store these days, and they also offer individualised after-sales services like return and replacement or home delivery of their numerous items.

Research paper thumbnail of Impact of Television Commercials on the Buying Behaviour of Customers in the Nainital District (With special reference to FMCG Products

Quest Journals Journal of Research in Business and Management , 2022

Commercials on television are often regarded as one of the most effective means of influencing cu... more Commercials on television are often regarded as one of the most effective means of influencing customer purchasing decisions. The goal of this research is to see how television commercials influence FMCG buyers' purchasing decisions. The data was gathered from 100 people from urban and rural regions residing in Nainital district by circulating an online questionnaire, amongst whom were graduates, postgraduates , employees, and businessmen. According to the results, the majority of female respondents have noticed a significant shift in their purchasing habits as they are somehow influenced by television commercials. According to the findings of the study, FMCG commercials are effective in influencing FMCG product purchasing behaviour, particularly for cosmetics and beverages. Consumers' purchase habits are also influenced by quality. Customers want to buy things that are of high quality. They spend more than Rs. 3,000 on these items. According to the findings, personal variables and product quality have a greater influence in determining consumer purchase behaviour.

Research paper thumbnail of A Study on the Impact of TV Advertising on Youth Buying Behaviour (With Special Reference to Nainital District

IJCRT, 2021

India is a booming nation with a variety of brands to choose from. Companies are finding it diffi... more India is a booming nation with a variety of brands to choose from. Companies are finding it difficult to differentiate their products based on basic product attributes because there are too many products available in the market. Through advertising, businesses can generate awareness and differentiate themselves among their customers, and television is the best way to achieve this. Television is the most widely used medium for advertising to gain information regarding a product or service, and yet it is the most practical method of reaching out to young people. The current study was conducted on 100 young customers between the ages of 15 and 29 in the Nainital District, and data was collected through a well-structured questionnaire in order to determine the impact of television advertisements on their purchasing behaviour. The study conducted revealed that television advertisements have a significant impact on the buying behaviour of young consumers. The results of the study also indicated that these ads have a crucial role in introducing a new product and making better buying decisions for the family. 67% of youth seek advice from their family before going shopping. They believe that ads on television help them in making better purchasing or shopping decisions. Young people are motivated to buy a product when it is endorsed by a famous personality or celebrity.

Research paper thumbnail of Role of Self Help Groups and Micro financing in the Social and Economic Development of Rural People in Uttarakhand (A Comprehensive Literature Review

International Journal of Advances in Engineering and Management (IJAEM), 2022

In many developing nations, particularly India, the SHG program is gaining recognition as an in... more In many developing nations, particularly India, the
SHG program is gaining recognition as an
innovation in the field of rural lending to assist the
rural poor in alleviating poverty and empowering
women. It is seen as a route for reaching the
underprivileged and neglected segments of society,
who would not normally be able to obtain loans
from banks. The primary purpose of SHG
beneficiaries is to remove poverty from their roots,
and it assists them in combating poverty since there
is a need for adequate money to be available for
rural people. Women's empowerment in India is
still a work in progress. Currently, self-help groups
are playing a significant role in this direction.
Women's participation in these groups has a
significant impact on increasing their quality of life
as well as their social upliftment in society. The
current study is descriptive in nature and critically
evaluates numerous empirical studies conducted in
the Uttarakhand state of India on SHGs and
microfinance. According to the findings of this
study, studies conducted in Uttarakhand show that
microfinance and self-help groups, in general,
contributed to the development of the core poor in
terms of economic well-being, poverty alleviation,
and empowerment, resulting in the overall
development of the rural poor.

Research paper thumbnail of Strategic Human Resource Management

RED’SHINE PUBLICATION PVT. LTD., 2023

SYLLABUS UNIT NO. CONTENTS 1 STRATEGIC HUMAN RESOURCE MANAGEMENT: • Concept and Aims of Strategic... more SYLLABUS
UNIT NO. CONTENTS
1 STRATEGIC HUMAN RESOURCE MANAGEMENT:
• Concept and Aims of Strategic Human Resource
Management
• Models of Strategic HRM
• Strategic HRM and the Resource
• Strategic role of HR function
• Aspects of Alignment between business strategies and
HR strategies.
2 FUNCTIONAL STRATEGIC HUMAN RESOURCE
STRATEGIES:
• Employee resourcing strategy
• Strategies for Managing Performance
• Strategic Human Resource Development
• Reward and Compensation Strategy
• Employee relations Strategy.
3 STRATEGIC HRM AND STRATEGIC CHANGE:
• Strategic HR issues and role of HR in the context of
Change
• Culture Management
• Total Quality Management
• Knowledge Management
• Merger and Acquisition
• HR perspective of Corporate Governance.
4 EVALUATING AND MEASURING THE IMPACT OF
STRATEGIC HRM:
• Overview and Approaches
• Quantitative and Qualitative Criteria
• Balanced scorecard and HR Scorecard Perspective
• Evaluating strategic contribution of Traditional areas
• Strategic contribution of HRM to organizational
success.
UNIT NO. CONTENTS
5 HUMAN RESOURCE STRATEGY AND THE DYNAMICS OF
INDUSTRY:
• Strategic HRM for specific business situations
• Talent Management
• Knowledge Management with special reference to
HRM practice in Knowledge based Industry
• Strategic HR Issues vs. Emerging Organizational Forms
• Corporate HR Strategy in the Global Economy.

Research paper thumbnail of Rural marketing

RED’SHINE PUBLICATION PVT. LTD., 2022

Rural marketing has emerged as an exciting and dynamic discipline. India is predominantly an agri... more Rural marketing has emerged as an exciting and dynamic
discipline. India is predominantly an agriculturebased economy with
approximately 7, 00,000 villages involve directly or indirectly in
agricultural activities. Rural India is the backbone of Indian economy
and it contributes significantly to the economy in terms of providing
with food grains, vegetables, fruits which are essential for the human’s
existence. More than 60% of the Indian population lives in rural areas
and depends directly or indirectly on agriculture and allied activities
such as dairy, poultry and pisciculture. Rural products and produces
are in great demand in the cities and urban areas and even globally due
to changing preferences of the urban consumers. Rural products like
handlooms and handicrafts are very popular among foreign tourists.
These changing preferences for rural products have a significant
impact on the Indian economy. With opening up of the Indian
economy to the competition after liberalization in1991, many rural
organizations have started professionally operating their organizations
with a better understanding of the functions of management and the
concepts of rural marketing. The rural marketing is of growing interest
in developing countries like India. The accomplishments of Self-help
Groups, Micro Finance Institutions, Farmers Interest Groups, Rural
artisans’ businesses, producer organisations have to be given due credit
in the growth of rural organizations.
The book focuses on the different set of challenges which are
faced by rural marketers when operating in rural areas. The challenges
are primarily due to the absence of a proper framework to guide
decision making in rural markets. In recent years a lot of work has
been undertaken in the area of rural marketing and new concepts,
definitions and technological advancements have been incorporated for
better understanding of rural marketing. This Book talks about the
concepts, definitions and latest advancements and challenges in the
area of Rural Marketing.
Please let us know if there is any new or fascinating information
that you would want to have included in future editions of this
publication, and we will do all in my power to meet your requests. Any
feedback, whether it be in the form of comments, critiques, or edits to
the current material, will be warmly received.

Research paper thumbnail of E-COMMERCE

RED’SHINE PUBLICATION PVT. LTD, 2022

NO. UNIT TITLE 1 E-Commerce Overview: Traditional C... more NO. UNIT TITLE
1 E-Commerce Overview: Traditional Commerce Vs E-Commerce; E-Commerce & EBusiness; Categories of E-Commerce; Development & Growth of E-Commerce; Advantages & Disadvantages of E-Commerce.
2 E-Commerce Infrastructure: E-Commerce Architectural Framework; The Internet and Internet Protocols; Internet, Intranet and Extranets; Internet
connection options; Security Issues in E-Commerce environment; Encryption Techniques; Payment systems; Legal, Ethical & Tax Issues in E-Commerce.
3 Online Marketing: Online Marketing; Business Models of E-Marketing; Online Advertisement; Online retailing; E-Auctions.
4 Online Services: Online Financial Services; Online Banking & Brokerage; Online Insurance Services; Online Real Estate Services; Online Travel
Services; Online Hospitality Services; Online Recruitment
Services; Online Publishing Services; Online Entertainment; ELearning.
5 Mobile Commerce: Definition of Mobile Commerce; Mobile Commerce framework; Growth of Mobile Commerce; Benefits & Limitations of Mobile
Commerce; Mobile Network Infrastructure; Information Distribution for Mobile Networks; Multimedia Content Publishing; Mobile Payment Models; Mobile Commerce Applications.

Research paper thumbnail of राज्य प्रायोजित विकास कार्यक्रमों की अल्मोड़ा व बागेश्वर जनपदों के आर्थिक विकास में भूमिका एवं इन कार्यक्रमों के क्रियान्वयन में बैकिंग क्षेत्र का योगदान"

भारत में गरीबी एवं बेरोजगारी एक बड़ी समस्या रही है। स्वतंत्रता प्राप्ति के पश्चात् देश के आर्थिक ... more भारत में गरीबी एवं बेरोजगारी एक बड़ी समस्या रही है। स्वतंत्रता प्राप्ति के पश्चात् देश के आर्थिक विकास के लिए आर्थिक नियोजन का सहारा लिया गया। सरकार द्वारा गरीबी उन्मूलन एवं रोजगार के अवसर सृजित करने की दृष्टि से गरीबों एवं निर्बल वर्ग के लोगों को ध्यान में रखते हुए कई विकास कार्यक्रम क्रियान्वित किए गए। इन कार्यक्रमों की सफलता हेतु विभिन्न कार्यक्रमों की क्रियान्वयन संस्थाएं एवं साख सुविधा उपलब्ध कराने वाले बैंक महत्वपूर्ण भूमिका का निर्वाह कर रहे हैं।

प्रस्तुत शोध प्रबन्ध में राज्य प्रायोजित विकास कार्यक्रमों की अल्मोड़ा व बागेश्वर जनपदों के आर्थिक विकास में भूमिका एवं इन कार्यक्रमों के क्रियान्वयन में बैंकिंग क्षेत्र के योगदान का तुलनात्मक एवं विश्लेषणात्मक अध्ययन प्रस्तुत किया गया है।