Pacific B usiness R eview I nternational

A Refereed Monthly International Journal of Management Indexed With Web of Science(ESCI)
ISSN: 0974-438X
Impact factor (SJIF):8.396
RNI No.:RAJENG/2016/70346
Postal Reg. No.: RJ/UD/29-136/2017-2019
Editorial Board

Prof. Mahima Birla
(Editor in Chief)

Dr. Khushbu Agarwal
(Editor)

Dr. Asha Galundia
(Circulation Manager)

Editorial Team

A Refereed Monthly International Journal of Management
September 2021



Name : Index
Download :

Name : Mudra Yojana: A Step towards Creating Growth for Women Entrepreneurs in Micro Enterprises Sector
Author : Dr. Dattatry R Mane, Professor,Dr. Kapila Mahindra, Dr. Sajni Devi
Abstract :
The entrepreneurial acumen among people of a nation helps it to achieve economic growth and development. However, there should not be any gender disparity while nurturing entrepreneurial ecosystem in the country as “women entrepreneurs have emerged as new drivers for maintaining the growth and prosperity in developing economies”. Although, women constitute “almost half of the population but there remains wide disparity in their economic status particularly in India”. Hence, the Government of India has taken various initiatives for enhancing women participation in the entrepreneurial activities & partnering them in development of the country.
In Html : Read More
Download :

Name : Examination of the Effects of Market Orientation on Performance: Innovativeness as a Mediator
Author : Anıl Yazar,Assoc. Prof. Dr.Ceyda Tanrikulu
Abstract :
The main purposes of this researchwereto identify not only the effect of market orientation (with its dimensions) and innovativeness on company performance, but alsothe role of innovation as a mediator in the relationship between market orientation (also its dimensions) and performance. Data werecollected by using self-administrated questionnaire applied to a convenience sample of 150 firms. Regression and mediation analyses wereperformed to test the hypotheses. The main findings demonstrated that market orientation and its dimensions (out of customer orientation)haddual mechanism, which means direct effect and indirect effect via innovativeness as a mediator, on performance.
In Html : Read More
Download :

Name : Unified Payment Interface (UPI) platform: Conniving tool for Social Engineering Attack
Author : Kalyani Deshpande,Leena B. Dam
Abstract :
Unified Payment Interface (UPI) is an innovative online banking product in India which has reached heights of popularity within a short span. Growth in UPI has also resulted in higher frequency of data breach. Social engineering attacks were the greatest security risk India faced in the lockdown period. Users of Unified Payment Interface are easily lured for cyber frauds. These frauds are not due to default in the UPI system or interface but are tactics to deceive customers by the way of phishing, vishing, orsmishing. Social engineering attack techniques are plotted to exploit users with the use of significant UPI features like ‘Collect Request’, ‘Virtual Private Address’, or ’QR code’.A study was conducted to generate the phishing score of the users with real-time attack simulating caselets. Responses were analyzed to understand the psychological behavior of users while they interact with fraudulent tactics. Most users blindly follow the instructions received through SMS or phone calls and become victim of cyber fraud. Analysis of the data collected from respondents reveals the dark truth that age or profession has no bearing in the behavior of users responding to social engineering attack techniques.
In Html : Read More
Download :

Name : Impact of Microfinance on Employment Opportunities and Income Generation in the Bamyan Province of Afghanistan
Author : Azizuddin Sultani,Dr. Chandrashekhar R.,Satar Ansari
Abstract :
Microfinance is widely recognized as a tool of financial development to decrease poverty and assist vulnerable people in accessing financial services. Moreover,Microfinance Institutions (MFIs) have an impactful role in improving the livelihood of the Afghan people, and it has been rapidly growing since 2003. Therefore, the authors examined the impact of microfinance on employment opportunities and income generationin the Bamyan province of Afghanistan. The sample size is made up of 220 borrowers from First Microfinance Bank Afghanistan (FMFB-A), partners of the Microfinance Investment Support Facility for Afghanistan (MISFA), and the Afghanistan Microfinance Association (AMA), which supports beneficiaries by offering a wide range of services while actively engaging in research, product development and innovation that assists borrowers
In Html : Read More
Download :

Name : An Impact of Digitalization on Auditing Profession (with references to Indian Chartered Accountants)
Author : Dr. Shilpa Vardia,Dr. Ritu Soni,Dr. Rimpi Saluja
Abstract :
Digitalization has changed the society and is taking it to a global scale. Its effect can be seen on every profession. This effect can be seen on accounting and auditing methods. It has brought various challenges for accountants and auditors. The aim of this exploratory study is to know the level of understanding and to analyze the effect of digitalization on auditing profession. It also analyzed the effect of digitalization on working method, tools and evidences of auditing. With the help of close ended questionnaire chartered accountants (practicing and pursing) perception was analyzed about the impact of digitalization on auditing.
In Html : Read More
Download :

Name : A Study on changes in Millenials preferences towards fitness apps and wearable’s during the Covid -19 pandemic in Urban India using the determinants of Contemporary models of Consumer behavior
Author : Dr. Kabita Kalita,
Abstract :
The pandemic has indeed brought a huge change in every aspect of human life. One of the key shifts is the way how we keep ourselves fit. It has limited our gym visits and forced us to resort to other means. This has given rise to the expansion of online fitness programmes and purchasing of fitness wearables to keep track of people’s exercise routines. The present study is an attempt to study how much change the pandemic has brought about using the determinants of contemporary models of consumer behavior.
In Html : Read More
Download :

Name : Human Social Value Orientation and its Impact on Cooperation during Covid-19 Crisis: A Conceptual Review
Author : Narayana Maharana,Girish Prasad Das,Manik Chand Patnaik,Manash Kumar Sahu
Abstract :
The world has emerged dramatically after the outbreak of the influenza virus (Covid-19) with the new normal that has triggered many social and psychological challenges and changes. The present paper conceptualizes and identifies a few questions like; whether human social values change with a crisis like covid-19. Does, social value orientation intensifies cooperation and helping behaviour among people. Whether such changes are temporary and apparent in case of disasters or crisis like a pandemic.
In Html : Read More
Download :

Name : Modeling the Entrepreneurial Intention among Business Students
Author : Dr. Chand Prakash,Dr. Ritu Yadav,Amardeep Singh,Dr. Kanchan Yadav
Abstract :
Purpose – Today, entrepreneurship played a vital role in the development and growth of an economy. Entrepreneurship is a career where a student establishes its undertaking rather than becoming a salaried employee. The main thrust of this study is to assess the entrepreneurial intention among business students based on their career aspirations Design/methodology/approach – This is an empirical investigation, and a sample of 200 business students of NCR (Gurugram, Delhi and Noida) has been drawn. Questionnaire technique has been used for data collection. Structure equation modeling technique has been applied to attain the goal of the study. Career aspirations considered under this investigation were change, financial well-being, competitiveness, achievement need, and autonomy. Confirmatory factor analysis has been used to measure the model fitness and validity of the construct.
In Html : Read More
Download :

Name : Impact of Macro and Micro Economic Variables on the NPA and Profitability of Banks
Author : Dr. Ritu Wadhwa
Abstract :
Banks are the critical elements of the Indian Economy, and they have significant control over the supply of money in the Economy. In the last few years, India's financial markets and banks have seen a dramatic change with a lot of mergers taking place like united bank of India and oriental bank of commerce merged with PNB. Both external and internal factors can affect the performance of the banks. This study aims to determine whether the ROA and NPA’s of Indian banks get affected due to changes in the macro and micro- economic variables. The study was conducted on a six-year data of (public and private) highly profitable and low-income banks in 2020. Descriptive statistics, Correlation Analysis and Multiple Regression Analysis techniques were used to perform the analysis.
In Html : Read More
Download :

Name : Emotional Intelligence and Stress: An empirical analysis on working Mavens in Indian IT Industry
Author : Dr. Bhanupriya Khatri,Dr. Megha Sharma,Dr. Harshita Shrimali ,Dr. Vikas Tyagi
Abstract :
Emotional Intelligence is an indispensable constituent which regulates the accomplishment in lifetime and emotional health. It describes the aptitude to meritoriously compact with sentiments and demonstrative circumstances in the organization which contribute to personnel in dealing with pressure. Emotional Intelligence can elucidate the specific metamorphoses in copying up with stress in organizations. The present study is an authentic effort to generate a relationship between elements of emotional intelligence (Emotional Competence, Emotional Maturity and Emotional Sensitivity) and stress on IT experts. Major IT professionals take it problematic to manage sentiments due to high stress to strive with changeable expectations of the employer. The anxiety connected to the job desires to be deciphered shorn of any interruption.
In Html : Read More
Download :

Name : Role of Parental Financial Socialisation on Financial Literacy among Youth
Author : Sruthiya V N
Abstract :
The purpose of the study is toinvestigate the role of parental financial socialization on the financial literacy among the youth between the age group of 15-24. The study analyzed four variables of parental financial socialization on the financial literacy. Parental financial socialization is the deliberate process of bringing up the children in such a way that the financial knowledge, skills and attitude is being transferred, which may reflect in their financial behavior and outcomes. These variables were identified based on the relationship exhibited, financial decision making, teaching method adopted and responsiveness that the parent and child may share. As it is evident from the existing literatures that parental financial socialization is identified as the primary factor which influences the financial knowledge and behavior of any individual, the effort was made to focus on the younger generation based on the selected variables namely financial teaching and monitoring, financial budgeting, parental relationship and parental responsiveness. Financial literacy plays a vital role in the capital formation, thereby leading to productive investments and ultimately to the economic development of the country.
In Html : Read More
Download :

Name : ICT Services effect on Students’ Satisfaction for Library Services: a Study on Students of Technical Degree Colleges of Udaipur
Author : Dr. Ashish Adholiya,Shilpa Adholiya,Dr. Rajesh Kanja
Abstract :
ICT enabled library services incorporates all those library services which were traditionally offered by library through the electronic means either online or offline. So, either the ICT enabled library services are matching the multi-dimensional need of students or not needs to be assessed through its users’ satisfaction. The research work was carried out to assess the satisfaction of technical degree college students of Udaipur city of Rajasthan for the Information and Communication Technology enabled services offered to them by their college libraries or any other library they used to visit. Integrating the different applications and platforms of ICT with conventional library facilities leads to several benefits to the students particularly increased accessibility to the digital resources, visiting to the library for particular hours, multimedia enabled teaching and learning application, collaborative learning, ease in retrieving the data assets and many more. So, to assess satisfaction of students for ICT enabled applications and services offered by libraries
In Html : Read More
Download :

Name : Transaction Exposure Management: A Case of Shipra Industries Pvt Ltd.
Author : Dr. Manisha Goel
Abstract :
Shipra Industries Pvt Ltd. is a textile company in Mumbai. The company has widely spread its business of textile in different states with 10 branches all over India. It has been in existence for more than 35 years. In the year 2014, the company realised the need of latest machinery with modern technology for the modernisation of its production plant. After making cost benefit analysis, Mr. Swaroop , the Managing Director of the company decided to import a machinery with in the price range of $ 2 – 3 million. He asked Mr. Anoop, the General Manager Financeto make a suitable arrangement to finance the purchase of the imported machinery.
In Html : Read More
Download :