Rathi K . N. | University Of calicut (original) (raw)

Papers by Rathi K . N.

Bharata Mata Journal of Multi Disciplinary Studies, 2018

International Journal of Professional Business Review, 2023

The aim of this study is to examine the impact of intellectual capital (human capital, structural... more The aim of this study is to examine the impact of intellectual capital (human capital, structural capital, and employed capital) on the financial performance of listed insurance companies in the Amman Stock Exchange Theoretical framework: Intellectual capital has become increasingly important in generating value for companies, and many researchers have linked it to corporate financial performance and strategic competitive advantage. Design/methodology/approach: The study population consist of 21 insurance companies listed on the Amman Stock Exchange in Jordan during the period of 2011-2020. Intellectual capital was measured using the value added intellectual coefficient model (Pulic, 2000), and its impact on financial performance was analyzed using published financial statements of the insurance companies. Findings: The results of the study found a statistically significant positive effect of human and employed capital on financial performance as measured by the rate of return on assets and return on equity. Furthermore, the study revealed a significant positive effect of intellectual capital, specifically human capital, on financial performance measured by market value (Tobin's Q). Research, Practical & Social implications: The study suggests that insurance companies should treat intellectual capital as a strategic resource and monitor and invest in it periodically for continuous development. The study suggests building a positive organizational culture that supports intellectual capital is recommended Originality/value: This study contributes to the understanding of the relationship between intellectual capital and financial performance for the first time in the insurance industry in Amman Stock Exchange. The findings highlight the importance of managing and investing in intellectual capital as a strategic resource to enhance financial performance.

Spiritual value is one among the four values (purusharthas) in Indian culture. Today‟s world is f... more Spiritual value is one among the four values (purusharthas) in Indian culture. Today‟s world is fully engaged with worldly desires and financial orientation and thus the education system also lack the spiritual virtues. The youth of this era gets a few opportunities to develop spiritual values from the formal stream of study. For developing spiritual values the person should have to develop the purity of mind, concentration and hard working mentality. As per Indian philosophy, there are three ways for spiritual development like Bhakti yoga, Karma yoga and Jnana yoga. One can select one among the three ways in accordance with his/her basic temperament. The curriculum for under graduate courses may include the spiritual matters along with the materialistic matters. The teacher (guru) has to play a vital role in spiritual development

Chapter in an edited book " Handbook of Commerce", Sonali Publication, New Delhi, 2015

Electronic commerce and Electronic business are increasingly becoming necessary components of bus... more Electronic commerce and Electronic business are increasingly becoming necessary components of business strategy. The application of e-commerce includes home banking, shopping in electronic malls, buying stocks, finding a job, conducting an auction, collaborating electronically with business partners around the world, and providing customer service. The recent increase in the application of e-commerce in daily life made it essential to introduce new educational programmes in e-commerce and e-business. The present study aims to analyze the preferences of educators in e-commerce topics for management education among 50 educators working in the commerce and management department in the Palakkad district. A five point scale ‘Preference of educators in e-commerce topics for management education scale’ was administered among them. The study revealed that majority of educators prefer e-commerce topic for management education in UG and PG courses rather than diploma.

Entrepreneurial personality traits are the personality traits which are influence in the success ... more Entrepreneurial personality traits are the personality traits which are influence in the success of the entrepreneurs. The rural women are of several barriers in their entrepreneurial development like personal, social, economic, marketing and psychological barriers. The Rural Self Employment Training Institutes (RSETIs) are the institute which give training for rural youth towards self-employment and entrepreneurship. Here the investigator intended to study the effectiveness of training at RSETI for entrepreneurial personality development of rural women. The data were collected as pre-test post-test single group design at Canara bank RSETI, Vellinezhi of Palakkad district, Kerala. The data were analysed using paired t test, ANOVA and correlation. The study revealed that the training at RSETI is effective in developing entrepreneurial personality among rural women. The entrepreneurial intention and entrepreneurial personality are not related as per the study. The study is a kind of exploratory study and it may throw light in the area of entrepreneurial personality development.

Journal of Research in Business and Management, 2019

Financial literacy and good financial decision is very vital in the success of business life. The... more Financial literacy and good financial decision is very vital in the success of business life. The financial literacy and entrepreneurial intention of rural women of Palakkad district are studied here. The Rural Self Employment Training Institutes are working in almost all the district in India and they are provided with several programmes to develop self employment in rural youth. This study is intended to know the influence of these programmes in the entrepreneurial intention and financial literacy. The research was aimed to know the relationship between the two variables and collected data from sixty two women by using the financial literacy test and entrepreneurial intention wuestionnaire. The research is hypothesized the significant differences of trained and untrained women in the entrepreneurial intention and financial literacy. The statistical techniques used are correlation, t test and chi square test. The study found there is a significant difference between trained and untrained in their entrepreneurial intention and financial literacy and there is a significant correlation between the entrepreneurial intention and financial literacy.

Money laundering is a serious issue in India because they may be used for anti national activitie... more Money laundering is a serious issue in India because they may be used for anti national activities or terrorism. Know Your Customer (KYC) compliance is a precaution taken by the Reserve Bank of India (RBI) for controlling the money laundering as per Prevention of Money laundering Act, 2002. The investigators conducted this as a qualitative study and the method used was Documentary analysis. The study was guided by the research questions related to the guidelines provided by RBI, the documents used by the Regional Rural Banks (RRBs) for KYC and how RBI penalizes the RRBs if they failed to comply with the guidelines. The collected data are analyzed and arranged in the systematic order here. RBI had been penalizing the banks which are failed to satisfy the norms.

IOSR Journal of Research & Method in Education (IOSR-JRME), 2015

Sama Veda is one among the four Vedas which includes the collection of hymns with musical content... more Sama Veda is one among the four Vedas which includes the collection of hymns with musical content which are used for worshipping god at the time of fire sacrifices. The Vedic education exists right from the Vedic age. The main purpose of the study is to analyse the uniqueness of the education ideas behind the Sama Vedic education according to Kerala style of the oral tradition. This study tried to analyse the problems faced by the system even after UNESCO considered it as intangible cultural heritage of mankind and intended to provide some practical recommendations to overcome these problems. The investigators used the Case study method for the research and the primary and secondary data were used for the analysis. The investigators found that the main aim of Sama Vedic education according to Kerala oral tradition is to preserve and transmit the Vedic culture by oral teaching learning method and the curriculum includes the Sama veda text along with its Upanishad Kerala oral tradition is now struggling for existence because of the modernization in Kerala. The investigators intended to suggest that there must be an immediate step from government or some NGOs for protecting the oral tradition of Sama Veda.

Introduction Communication has extended from verbal to non verbal ways. e world of marketing has... more Introduction Communication has extended from verbal to non verbal ways. e world of marketing has also responded to the changing nature of environment. Consumers express opinions and experiences about specific brands or products to other consumers. is specific marketing tendency is known as "word of mouth communication". Word of mouth (WOM) has been recognized as one of the most influential means of information transmission (Jalilvand, 2010).

IOSR Journal of Business and Management (IOSR-JBM), 2018

The investigators are intended to study the customers' perception on Goods and Service Tax (GST) ... more The investigators are intended to study the customers' perception on Goods and Service Tax (GST) from Mannarkkad municipality. The method of study was survey and collected data from thirty respondents from that area. The main objectives of the study are to study the perception of customers on the different aspects of GST and to study if there any significant differences among customers' perception according to gender, age, educational qualification and income level. The major findings are the customers have positive attitude and there is no significant differences between customers according to gender, age, educational qualification and income level.GST is one of the Revolutionalchanges in the Indian economy. After independence as a nation India introduced many financial reforms including several tax reforms.Indian financial system is carrying very complicated structure. So it very same as in the case of tax structure of Indianeconomy. Every year Indian tax authority changes the laws and rates of the overall tax system. But the traditional tax system is becomes a burden that the customers needed to pay all the indirect taxes relating to particular product and service. The new tax reforms that GSTsubsumes all the taxes under one umbrella. In April 1 st 2017 India has introducedGST initially then 2017 July 1 st India implemented GST GST is a single tax on the supply of goods and services right the manufacturer to the consumer. Credits of input taxes paid at each stage will be available in the subsequent stage of value addition, which makes GST essentially a tax only on value addition on each stage. The final consumer will thus bear only the GST charged by the last dealer of the supply chain. There were lot of confusions relating to the gst why because lack of right implementation of theGST GST brings huge advantages to the consumers by paying single and transparent tax proportionate to the value of goods and services. Due to multiple indirect taxes being levied by the central and state with incomplete or no input tax credits available at progressive stage of value addition, the cost of most good and services in the country today are laden with many hidden taxes. Under gst there would be only one tax form one manufacturer to the consumer, leading to transparency of taxes paid to the final consumer many products prices will come down due to value addition of the products. It will increase the purchasing power of the customers. In this study the investigators intended to study about the consumer's perception on GST Need and Significance of the study GST is expected to give a major relief to industry, trade, agriculture and consumers through comprehensive and wider coverage of input tax set off (both on goods and services), subsuming of multiple taxes. It will ensure a simpler tax regime with fewer taxes, rates and exemptions. A simplified tax regime coupled with simple articulate and largely online procedures will leads to improved tax compliances with lesser scope for mistakes. GST is the best opportunity for consumers that help to increase the purchasing power. GST implementation will leads to immense scope for each consumers and to keep pace with the changing global indirect tax scenario. Statement of the problem India intends to adopt a dual GST which will be imposed concurrently by the central and states. The proposed dual structure GST, seeks to simplify the complex indirect taxation system in India and create a common national market by bringing down fiscal barriers between the states. GST is a new tax system which is moving towards an efficient indirect tax regime. It becomes imperative for consumers to keep themselves updated with this new tax in country's tax landscape. Thus the present study seeks to investigate the perceptions towards GST among the consumers has been carried out.

Banks are the institutions which helpful to meet all the financial needs of individuals and organ... more Banks are the institutions which helpful to meet all the financial needs of individuals and organizations in a country. They provide us various types of services and products which is helpful to us for meeting our day to day financial in capabilities. Today is the age of technological revolution so drastic changes have been taken in the banking industry along with other industries of the economic system so that the customers of banking industry is running out for searching the fastest and efficient technological up gradation. This is the main reason behind the stiff competition among banks in the industry. So retaining the existing customers act as the major fear factor for banks to meet the heavy competition. Here the need for customer retention arises, if the banks are not ready to offer their products and services with best Quality and Price they will switch over to any other banks in order to meet their banking needs. Therefore Customer retention is a potential tool which can be utilized by banks to gain Strategic advantage and competitive advantage to survive in today's ever increasing competitive environment. This paper is intended to know the major customer retention strategies used by banks in today's competitive environment.

Spiritual value is one among the four values (purusharthas) in Indian culture. Today"s world is f... more Spiritual value is one among the four values (purusharthas) in Indian culture. Today"s world is fully engaged with worldly desires and financial orientation and thus the education system also lack the spiritual virtues. The youth of this era gets a few opportunities to develop spiritual values from the formal stream of study. For developing spiritual values the person should have to develop the purity of mind, concentration and hard working mentality. As per Indian philosophy, there are three ways for spiritual development like Bhakti yoga, Karma yoga and Jnana yoga. One can select one among the three ways in accordance with his/her basic temperament. The curriculum for under graduate courses may include the spiritual matters along with the materialistic matters. The teacher (guru) has to play a vital role in spiritual development. There are different approaches like Self centered approach, Critical enquiry approach, Total atmospheric approach Integrated approach and Objective plus approach for developing the spiritual values among undergraduate students. The educators can use any of these approaches to develop spiritual well versed graduates.

Cash Depositing Machine (CDM) is a self-service terminal that uses to cash deposit, this study is... more Cash Depositing Machine (CDM) is a self-service terminal that uses to cash deposit, this study is conducted for testing the awareness of cash depositors on CDM &test there is any significant difference among depositors awareness according to their gender, educational qualifications and taluk. For that survey method was used, conducted on Palakkad district. Percentage analyses, t test, ANOVA were used for analysis. Majority of samples are not aware on CDM and educational qualification and awareness are directly related. More awareness on CDM leads to a positive change in the banking sector.

University News, 2014

Multicultural education is that education which provides equal opportunity and acceptance for dif... more Multicultural education is that education which provides equal opportunity and acceptance for different culture, ethnicity, religion and social class. It provides justice and freedom for all the cultural groups. In today’s globalised scenario, Multicultural education should be provided much importance in all the countries. Multicultural classroom is a place where the students are encouraged to develop positive acculturation and social change. The students will be aware of respecting the cultural diversity and avoid cultural taboos. The educator in Multicultural classroom must consider the students in the classroom irrespective of their culture. He or she must possess some knowledge, skill and attitude for accommodating cultural diversity in the class. The major challenges faced by Multicultural educators are ethnocentrism, racism, stereotypes, prejudice, and generalization. This paper tried to explore various preventive measures to overcome these challenges and the need of a Multicultural classroom in the present educational scenario.

International Research Journal of Management Sociology & Humanities, 2015

Emotion plays a vital role in one’s personality and it involves physiological and overt behavior ... more Emotion plays a vital role in one’s personality and it involves physiological and overt behavior of a person. Emotional Maturity means a person’s ability to control his/her emotions and express it in a socially desirable manner. Leadership style is the method and approach of providing direction, implementing plan and motivating people for attaining a common goal. The investigators intended to identify the relationship between Emotional Maturity and Leadership style of teachers. The other objectives of the study were to find the significant difference in Emotional Maturity of teachers at different levels of education and different age groups. Descriptive survey among teachers at Palakkad district was conducted by using Emotional Maturity Scale and Leadership Style Questionnaire. Correlational analysis and one way ANOVA were used to analyze the data using SPSS 13.0.The result of the study reveals that there is low positive correlation between Emotional Maturity and Leadership style of teachers. But there is a significant difference in the Emotional Maturity of teachers at primary and higher levels of education. The study would help the teachers to evaluate their leadership style and to develop an emotionally matured personality for an effective leadership.

Life Insurance Corporation of India Act 1956 was passed by Indian Parliament and thus Life Insura... more Life Insurance Corporation of India Act 1956 was passed by Indian Parliament and thus Life Insurance Corporation of India came in to existence as a statutory corporation. It was a monopolistic organisation for dealing with life insurance business in India till 2000, when life insurance sector was liberalized. There are different models in marketing insurance products like Traditional Insurance model, Banking Insurance Model and Hybrid Insurance Model. Life Insurance Corporation of India was following Traditional Insurance Model which are fully depend on the insurance agents who are appointed as commission basis. After liberalization, the corporation changed their marketing technique and included Bancassuarance, Direct marketing, Micro insurance and Chief Life Insurance Advisors Scheme. Thus the investigator tried to explore the Hybrid Insurance Model following by the corporation. The study was purely based on secondary data. The investigator tried to organize the data to know the marketing and distribution channels and its effect on sale of the life insurance products by the corporation. The major sources of data are the Annual reports of Life Insurance Corporation of India, Annual report of Vijaya Bank and Annual reports of Insurance Regulatory and Development Authority of India. The finding of the study was the major part of the new businesses which were contributed by traditional channel and the other channels that are growing faster now. Thus the traditional channel is now in the decline stage. The number of agents is also reducing now and the direct marketing method was highly accepted by the customers. The investigator suggests that the corporation should use both traditional and nontraditional channels for some future period for satisfying the customers.

Keywords Global Education, Teacher Curriculum Attitude According to educationists globalisation i... more Keywords Global Education, Teacher Curriculum Attitude According to educationists globalisation is the integration of educational ideas of the world. Globalisation includes a broad range of curriculum, teaching-learning, student mobility and Institutional agreement. Global teacher is a teacher for all. He or she must consider all the children in the world irrespective of nationality, social class, culture, language, race, or religion. Global teacher focus much on cultural diversities and develop open mindedness and resistance to stereo typing. The organisation of curriculum does not separate world cultures or regions. Global education aims at long term involvement in global community and in the larger world beyond our border. While educating teachers in globalised context we must consider the global knowledge, cross cultural experiences and dealing with controversies among global aspects with ours. Content and experiences in Global and Inter cultural education need to be infused through out teacher education program. A global teacher must develop knowledge, skill and attitude according to Global environment. Development of global perspective in a short period of time is the prime challenge of teacher education in globalised context. Curriculum issues, linguistic problems, and attitude of student teachers are other challenges with practical difficulty. To overcome these challenges we may increase the duration of teacher education program and renew the curriculum. We may assess the quality of teacher education Journal of

Drafts by Rathi K . N.