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Item A Study on Portfolio Evaluation and Investment Decision With Reference To Sharekhan Limited, Chennai(Imperial Journal of Interdisciplinary Research (IJIR), 2017) Ramasamy, SakthivelPortfolio management can be defined and used in many a ways, because the basic meaning of the word is “combination of the various things keeping intact”. So I considered and evaluated this from the perspective of the investment part in the securities segment. From the investor point of view this portfolio followed by him is very important since through this way one can manage the risk of investing in securities and thereby managing to get good returns from the investment in diversified securities instead of putting all the money into one basket. Now a day’s investors are very cautious in choosing the right portfolio of securities to avoid the risks from the market forces and economic forces. So this topic is chosen because in portfolio management one has to follow certain steps in choosing the right portfolio in order to get good and effective returns by managing all the risks. This topic covers the how a particular portfolio has to be chosen concerning all the securities individual return and thereby arriving at the overall portfolio return. This also covers the various techniques of evaluation of the portfolio with regarding to all the uncertainties and gives an edge to select the right one. The purpose of choosing this topic is to know how the portfolio management has to be done in arriving at the effective one and at the same time make aware the investors to choose the securities which they want to put them in their portfolio. This also gives an edge in arriving at the right portfolio in consideration to different securities rather than one single security. The project is undertaken for the study of my subject thoroughly while understanding the different case studies for the better understanding of the investors and myself.Item Challenging Women! Customer Satisfaction Towards Female Condom(International Journal of Transformation in Operational & Marketing Management, 2018) Mzumara, ElizaIn a globalized world, women face a lot of hurdles in asserting their human, legal and constitutional rights. The women's sexuality is now openly discussed and portrayed on television, in magazines, and on the Internet. The majority of the young women were affected by HIV. The objective of the present study is to know the problem faced by women during sex and analyzing the satisfaction level of female condoms in Zambia among school students and college students across Lusaka region. The statistical package for social science (SPSS) has been used to analyse the data for this research. The collected data were analysed by using appropriate statistical tools. It is also suggested that the government and non-governmental organizations should contribute in the rehabilitation and providing minimum need for women in Zambia.Item On Effective Analysis of Employee Performance Appraisal System in DMI – St. Eugene University, Zambia(International Journal of HR & Organizational Management Insights & Transformations, 2020) Ramasamy, SakthivelEmployee performance has drawn attention by numerous human resource managers. As a result, a number of performance appraisal and its techniques have over time been devised to help establish employee‘s performance. In the recent times, there has been the usage of this appraisal in assessing employee’s performance in most of the organizations in Zambia. Other organizations have sort to motivate their work force as a way of enhancing their performance towards goal achievement of organizational goals. This study‘s main objectives pertained to establishing the moderating role of performance appraisal as a motivation tool as well as potential challenges. The specific aspects of performance appraisal systems (PAS) that help improve motivation include the linking of performance to rewards; using the PAS to help set objectives and benchmarks; as well as the use of PA to help identify employee‘s strength and weaknesses.Item Launching of a New Product with the Co-Branding Strategy A Case Study of Indian Brands(International Journal of Management, 2020) Ramasamy, SakthivelIn recent years, the practice of co-branding has attracted a large number of research scholars and practitioners. Many of the researchers are also done their research articles with branding or co-branding. Commonly co-branding deals with the combination of two or more brands into a single product. Where co-branding is concerned with a marketing plan to associate with multiple brand names in a single product. The researcher discussed the general classification of brand associations. The paper reveals two classifications of the statements. The first is to form the general classification of Co-branding. The second aims of this paper are to promote the model of co-branding. The paper is also dealing with analyzing the theories of brand association and brand extension. The paper discussed, along with various case studies of co-branding of products and services.Item An Impact of Diversification on Multinational Organisations- A Case Study Conducted In Trade Kings, Zambia(International Journal of Transformation in Operational & Marketing Management, 2020) Ramasamy, SakthivelDiversification to a business that operates in many nations puts it out in a safe place because when it comes to the economy of the different nations, because if one product fails they can rely on the other products that they offer and if they fail in one country they are not likely to fail in all the countries that purchase their goods hence the result of diversification is that they will not suffer a loss even if they didn’t not manage to be successfully, we can use an example of a family, they may be two children but they are both not likely to go to school for the same thing which is also an act of diversification. The manufacturing sector/ industry is of great importance to all nations because it holds the nations unique products that contribute largely to the economic structure of the nation.Item The Effects of Social Media on Consumer Buying Behaviour-A Case Study of Barclays Bank PLC Vs Zanaco Bank, Zambia(International Journal of HR & Organizational Management Insights & Transformations, 2020) Ramasamy, SakthivelThe purpose of this study was to evaluate the effects of social media on consumer buying behavior studying the two banks namely Barclays bank and Zanaco bank Zambia. This study was guided by the main objective which was to examine the impact of social media and its effects on consumers. This research used qualitative design which compares one banking marketing strategies against the other. This study was analysis their entire objectives effectively on through the various ways. Finally, it was concluded that prescribed social media sites offered effective messages to the consumers, particularly from the organization site, this has also relieved in brand positioning among in social media. Social media assistance to create a strong loyal with organizations and features or facilitates are exchanged the information with others in online users.Item The 5th InTraders International Conference on International Trade Abstract Book(Kürşat ÇAPRAZ, 2020) Rashmi Ramasamy, SakthivelWe aim to provide contribution international trade field by our International Spring Conferences, International Autumn Conferences, Academic Journal, Conference Alerts News and International Market Research. There will be special issues in In Traders International Trade Academic Journal from the studies take place in our conferences.InTraders conference is international and targets the participants from all over the world and shape the organization in this direction. The congress aims to have papers from academicians and private sector managers. The written and presentation language is English. Conference main topics; international trade, business, economics and supply chain management.Item An Investigation on Accounting Information System, Zambia(International Journal of Management, 2020) S. Antony, Sibi; Stanish, Antony Lucia MerinThis study and research are to know how accounting is done in a private school, the type of accounting system being used, and its effectiveness, accounts being the recording of financial transactions is necessary to be handled well. The goal of this study is to understand how the private education sector organizes a set of manual and computerized accounting methods, procedures, and controls established to gather, record, classify, analyze, summarize, interpret and present accurate and timely financial data used. This case study gives detail on the computer and manual accounting systems and the perception of accountants on the accounting system used in private institutions. This research study highlights how private education institutions keep systematic records of financial transactions to find out the type of payment system is used, how the school protects its business if its insured, how it utilizes the operational profits, and how effective is the accounting system. This will be analyzed by a structured questionnaire that will comprise closed-ended and open-ended questions to collect the primary data from the respondents who are residing in Lusaka.Item The Impact of Social Cash Transfer on Rural Livelihood in Zambia(2020) Ramasamy, SakthivelThe article is focused on the impact that the social cash transfer has on the lives of the rural people. To assess the impact, the study will use processes involving literature reviews and field visits to institutions mandate to manage the scheme. Interviews will also be conducted with the beneficiaries through the help of an interview schedule that the researcher with design. Thus the main objective was to assess the relevance, appropriateness, sustainability, and impact of social cash transfer schemes in Shamwinda Village in Chibombo District, Zambia. It can be concluded that the research was successful because all the objectives that were alluded to in the first research were met. The findings were more positive than negative according to the article title, which is the impact of cash transfers on rural livelihood. Although it has been discovered that a higher percentage of the beneficiaries did not use their money to invest but on food. Therefore, it can be concluded that social cash transfers have played a tremendous change in the diet of the beneficiaries in Shamwinda VillageItem The Impact of Satisfaction through Online Teaching in Zambian Educational Context during COVID-19 Pandemic(NOLEGEIN Journal of Consumer Behavior & Market Research, 2021) A. Fatima MaryEducation is a means for disseminating information about both known and unfamiliar topics. It will create a human brain capable of comprehending known and unknown things in greater depth. During the COVID-19 situation made all the educational institutions going in line with online education system from the physical environment. The technological evolution is not new to the Zambian education system, but getting exposed to often and getting adopted towards the pandemic situation could be vulnerable among education professionals. The purpose of this study was to understand the satisfaction with online classes in Zambian Educational Context. The study revealed that to identify flexibility of teaching, job performance, quality outcomes, job satisfaction and commitment through online teaching method during pandemic situations. The researchers identified and depicts through theoretical framework of different variables to support the satisfaction of both faculties and students with online teaching methods. The suggestion of the papers which is strongly insists with the help of various sources of secondary data collections.Item An Impact of E-Advertisement on Consumer Purchasing Behavior – A Case on Mulungushi University, Zambia(International Journal of Scientific Research and Engineering Development, 2021) Kamwale, Kalonga; Sakthivel, RamasamyIt is assumed that promoters are expected to shift and spend millions in e-advertising in the coming years than TV, print ads and other traditional advertising media (Kotler, P., 2004). With the rapid growth in technology, the internet is becoming an important one stop point for consumers in finding most of their needs. Be it communication, entertainment, shopping, information search, internet serves as a panacea for all their requirements. The study investigated the effectiveness of e-advertising on consumer purchasing behavior by conducting a case study of Mulungushi University students. Stratified sampling technique was used to select 400 study respondents and the primary data was collected using schedules. The study found that e-advertising was effective on creation of awareness due to diverse usage, and respondents spent more time on the internet compared to other Medias. The study had done the various statistical tests to find the associations among variables. Further recommends that companies should conduct a market research on the different markets or institutions in various countries or Sectors to ensure that the e-advertising initiatives being implemented suits the targeted markets to improve product purchases.Item Effects of Kaizen Solutions on Organization performance A case study on road development agency & specilaized systems ltd, Zambia(International Journal of Scientific Research and Engineering Development-–, 2022) Kamwale, Kalonga; Ramasamy, SakthivelKaizenis a Japanese word which mean continuous improvement. In Japan most of the organizations, for example Toyota Motor Corporation, employed Kaizen over a long period of time and it is now part of the company’s culture and daily operation (Meldi S., 2018). In 1950 Toyota implemented quality circles leading to the development of Toyota’s unique “Toyota Production Systems.” Toyota production System is “a system of continuous improvement in quality, technology, processes, company culture, productivity, safety and leadership (Qualitiamo K., 2016).The study determined that Kaizen solutions improves organisational performance in terms of employee’s motivation, quality of products and service etc. The respondents were selected using stratified random sampling at all levels of the organization hierarch in order to reach a wide area and collect the desired information relating to Kaizen solutions and organization performance. Obtained results from the study indicate that there is a significant relationship between Kaizen solutions and organizational performance since the p-value = 0.00 was less than 0.05.This implies that Kaizen has an impact on organization performance through organization culture, employee motivation, and product and service quality to attain customer satisfaction. The study further recommends that it is vital to implement and educate or organizations on the key benefits of Kaizen solutions to improve organizational performance.Item Role of Entrepreneurs in Promoting Women a Special Reference to Self Help Group Women(International Journal of Creative Research Thoughts (IJCRT), 2022) A. Fatima MaryWomen's economic condition in nations like India is appalling, especially in rural areas where they have little options to earn money and are denied economic independence on a social and cultural level. The Self Help Groups (SHGs) have paved the way for the economic independence of rural women. Women Entrepreneurs play an important role in the present economy. Through the process of entrepreneurship, one person might become self-employed and give other people a job. Lack of financial and familial support, marketing, knowledge, suitable training, proper education, mobility, and other issues are common for women business owners. They were compelled to run a business because it was not something they wanted to do. In light of the several steps the Indian government has taken, under which NABARD has given them access to microloans and improve economic status. The provision of adequate microfinance in time to the women folk for their personal needs, the family and income generating activity by reliable agencies would naturally generate confidence and zeal among them for the performance of their activities. It is based on the recognition that the ability of the poor women for entrepreneurship could be encouraged with the availability of small-scale loans. There are several ways of microfinance provided by the government among which the most popular is Self Help Groups (SHGs).This paper reviews concisely the literature in this field and addresses particularly role of entrepreneurs in promoting Women.Item Impact of ICT Tools on opportunities and Higer level Change Management in the Institution(International Research Journal of Humanities and Interdisciplinary Studies (IRJHIS), 2023) A. Fatima MaryThis paper is a reflection on the essentiality of ICT in the modern world as an empirical identity for the development of an institution. It is a measurable quality of work that can be assessed in terms with an adaption to its principles, methods and deliverance for enhanced working patterns of an institution. The efficacy of such an adaption focuses on the competitive zone of its application with a direct proportional growth of the system for which this application has been made practical. The tools of ICT enhance and facilitate change management for betterment of the institution. Thenceforth, it has to be an accepted ideology that the organizational set-up that believes in ‘change management’ need to adapt new methods, tools and techniques with knowledge acquisition of ICT to bring forth effective change management in order to improve the service of deliveries in imparting education. To deepen our understanding on how ICT acts as a control to bring about changes in the institution from the higher hierarchy of management to the different levels of the organizational flow, this paper will work upon the targeted focus as brought to reference in the topic sentence of this research paper. However, this concern will look into the changes as necessary to create an institutional impact inclusive of the strategies and mode of deliverance taken to practice. It is to be believed that the type of transformative change as required will be worked upon with technological advancements with ICT implementations as to be channelized for the efficient formulation of the implication taken to research. Overall, this paper will design and determine the role and impact of ICT tools in change management and thereby enable the positive outlook of the change management.Item Attitude and Perception of Teaching and Learning Process through ICT A Case Study of DMI-St. Eugene University(International Journal of Management, 2023) A. Fatima MaryThis study aims to discuss the efficacy of teaching and learning process through Information and Communication Technology, taken to practice. Teachers always play an essential role of creating a successful environment for the implementation of digital media teaching at the educational institutions. In fact, the efficacy of such a teaching methodology is of prime importance in this modernity. The specialization of the paper is to bring an awareness on the prospects of a viable virtual platform that can be taken to practice as a modern means of teaching to the audience. None the less, in terms to the educational system existing in Zambia, this is the foremost practical teaching method introduced by DMI to sustain enhanced learning possibilities to students from all corners of the nation of Zambia. The efforts being taken to enhance teaching and thereby learning of students is by the successful implementation of a digital media at the DMI-St. Eugene University. Precisely, to be authentic to the expression of this study, the university has well-equipped digital tools to make learning and teaching an easy access. The size of the sample consists of 42 teaching staff of the affiliated college of the DMI-St Eugene University. For collecting the data, the researcher used stratified random sampling and survey method along with Questionnaires and interview method. The findings of the study determine the fact that the staffs have adequate knowledge of digital media and they are equipped with the required tools for teaching. The variables taken are conducive to the concept of application in respect to ICT related practices in the institution.Item Customer Perception and Challenges Towards Yango Taxi Services in Zambia(International Journal for Multidisciplinary Research (IJFMR), 2024) Nagarajan, Sankara NayagamThis research study examined Customer Perception and Challenges Towards Yango Taxi services in Zambia City. Customer Perception, are not just two words simply to be used in any business context. Actually, these are the words that encapsulate the theme of what sort of business practices are being done by the companies in terms of making their customers satisfied or delight. A pivotal role is played by customer satisfaction in today’s business scenario and there are some basic factors which may impact on customer satisfaction either positively or negatively.Item Observational Study on the effect of workload on the staff based on ICT Formulation: A General Overview(SCIENTIFIC CULTURE, 2024) A. Fatima MaryInformation and Communications Technology (ICT) can impact student learning when teachers are digitally literate and understand how to integrate it into the curriculum. Institutions use a diverse set of ICT tools to communicate, create, disseminate, store, and manage information. The main objective of the study is to analyze the impact of ICT integration on the workload and job satisfaction of teachers. The universe of the study is Zambia. The major objective of the study is to review the impact of ICT integration on workload and job satisfaction among teachers. The study adopted a secondary source of data collection. Various references for secondary and tertiary information were downloaded from the Internet for the purpose of analyzing the significant impact of ICT integration among teachers in Zambia. However, the primary sources were books from the library which gave me the needed inspiration for writing this article. The study enunciated both positive and negative impacts of ICT integration on workload and job satisfaction. The higher the workload, the lower the job satisfaction, and the lower the workload, the higher the job satisfaction, but this analytical thought should be balanced for the positivity of the reality. Hence ICT, workload, and Job satisfaction are interrelated. This piece of literary writing is more a theoretical representation of the topic taken to concern.Item The Role of Trade Openness in Shaping Economic Growth: A Case Study of Malawi's Development Trajectory(International Journal of Research Publication and Reviews, 2025) Nagarajan, Sankara NayagamIt analyzed this study and articulated the effect trade openness had on the economy of Malawi with the aid of annual time series data from 1975 to 2024. Such period contained an instance of history in that independent Malawi would shift into democratic form of governance, which would be characterized by different regimes. One of the objectives of the study was to enlighten how trade openness would affect the economic trajectory of the country within this particular time frame. The study used Error Correction ARDL (Autoregressive Distributed Lags) method for examining the long-term relationship between trade openness and economic growth. The model was best-suited for mixed and integrated dataset, that is, combining the variables that were stationary and no stationary. This analysis result indicated short and long-run effect of trade on economic growth in Malawi. The impact that trade openness brought about in the course of economic growth resembled the kind of recent topic under debates that had many mixed and opposed views, and sometimes described them as contradictory. Part of the reason might have been the exclusion of other significant variables like labor and capital, which were viewed play a very important role in the nexus of trade and growth. Other elements such as innovation, competition, technology, grants, and equal opportunity were also highlighted, all of which empirically validated themselves to serve as catalysts for a successful economy. Imports had negative impacts while exports had a boom with positive impacts, especially in terms of Africa. The study was, therefore, in conclusion with that of the Malawi government should have focused on developing and internalizing new structural economic policies purposed for boosting exports to trigger additional economic growth. Investment was also proven to be having a positive and statistically significant effect on output growth in both the short and long run, which further emphasizes the importance of a favorable investment climate. The study found a significant linkage between the economy, trade openness, capital formation, and development, suggesting that trade openness provided a vast opportunity for the economy in the light of increased capital accumulation. The study further recommended that Malawi should intensify efforts towards product diversification and processing as the negative impacts of volatile terms-of-trade would be tackled with lesser dependency on just several primary products for export earnings. The study called for policies that would encourage an increase in domestic investment because this would have an important contribution towards economic growth in both the short and long term. This research envisaged introducing sound policies that would effectively attract FDI into Malawi, as this would promote growth over time through technology transfer, innovation, and increased productivity.Item Study on the Analysis of Procurement Risk Management in the Malawi Police Service Challenges and Strategic Solutions(International Journal of Research Publication and Reviews, 2025) Nagarajan, Sankara NayagamProcurement is critical for the Malawi Police Service, and the research, this dissertation, An Analysis of Procurement Risk Management in the Malawi Police Service: Challenges and Strategic Solutions, explores procurement risks and identifies strategic solutions to mitigate them, thereby improving operational efficiency. Using a mixed-methods approach, the research collected data from 100 officers through structured questionnaires and detailed interviews. They are illustrated with significant dangers, such as tardiness of suppliers, corruption, insufficient budget allocations, and inefficiencies of procurement processes. This complicates procurement operations and puts at risk service provisioning availability. The paper argues that the study identifies a few measures to combat these challenges, including improvement of existing transparency mechanisms, establishment of e-procurement systems, ensuring compliance with procurement laws and strengthening capacity-building initiatives. The study further emphasizes the need for policy changes that bear specific relevance to the context of law enforcement agencies in the Malawian setting. Thus, it advances understanding of the procurement risk management concept as applied to work within law enforcement agencies and presents a potential evidence base for those seeking to inform procurement behavior of relevant stakeholders in similar situations.Item Impact of Taxation Policies on the Growth of Small and Medium Businesses in Blantyre, Malawi(International Journal of Research Publication and Reviews, 2025) Nagarajan, Sankara NayagamThis study examines the impact of taxation policies on the growth of small and medium enterprises (SMEs) in Blantyre, Malawi. The primary objectives are to assess how tax policies influence SME performance, evaluate the effects of high tax rates on profitability and sustainability, and analyze the role of tax reforms in promoting or hindering SME growth. A descriptive research design was employed, utilizing qualitative and quantitative methods. Data were collected from 100 SMEs through structured questionnaires, interviews, and observations, focusing on business registration, years in operation, number of employees, perceptions of tax policies, VAT compliance, and tax filing processes. Grounded in the ability-to-pay theory and optimal taxation theory, the data were analyzed using SPSS and Microsoft Excel through correlation and regression techniques to examine the relationships between taxation and SME growth. The findings indicate that while taxation is essential for government revenue, high tax rates, complex filing procedures, and limited awareness of tax policies create significant challenges for SMEs. Many SMEs struggle with compliance due to financial and technical limitations, resulting in reduced profitability and hindered expansion. Furthermore, VAT policies are often perceived as unfavorable, adding to their financial burdens. The study concludes that tailored tax reforms—such as simplified tax regimes, lower tax rates, and improved taxpayer education—can enhance SME growth and sustainability. It recommends that policymakers balance revenue collection with SME development by introducing tax incentives and reducing bureaucratic hurdles.