Ritesh Dwivedi

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• MSW, Ph.D. in Rural Development
• Faculty Member at Symbiosis International University

This research paper conducts a comparative ranking of developed and emerging stock market indices based on their resilience to economic shocks, specifically the 2008 financial crisis and the COVID-19 pandemic. Developed market indices include the S&P 500 (USA), FTSE100 (UK), DAX(Germany), CAC 40(France), and Nikkei 225(Japan), while emerging market...

The Governance Mechanism plays an influential role in deciding the scheme’s fate. The present study is an attempt to report the governance mechanism of MGNREGS at the grassroots in Haryana. The study found that poor implementation has transformed demand-driven scheme into supply-based scheme. Execution lacunas have restrained people from enjoying t...

The present study attempts to find out the determinants of FinTech adoption for financial inclusion by a microfinance institution in India. The factors such as efficiency, consistency, convenience, reliability is taken as predictors of organisational attitude. Similarly, organisational attitude, ease of use, and perceived benefits are considered as...

Purpose – The purpose of this study is to present a comprehensive summary of the current state of research and to critically analyse the accomplishments that have been made in the field of financing constraints. Hence, the objective of this study is to analyse the research patterns in this domain by consolidating the knowledge framework.Design/meth...

Poor Menstrual hygiene destructively affects the lives of women and girls who are in their reproductive age. The Myth still lies undermenstruation and is being practiced in most of the rural areas. Even now girls feel too shy to share about their menarche with their familymembers because of this they have to suffer from various health-related issue...

The integration of e-payment systems in digital microfinance marks a pivotal intersection between financial inclusion and fintech innovation. This chapter traces the evolutionary trajectory of e-payment methods, from their origins to contemporary tools like mobile wallets. It underscores the profound benefits of these platforms, emphasizing unparal...

For impact of innovative products like climate resilient rice, there needs to be large scale adoption, strengthened market and demand. While the traditional agriculture extension approaches focusing on varietal promotion are production centric, this would require a market centric approach. The Eastern India, prone to climatic risks, could benefit t...

This study aims to investigate the evolving role of technology and its interferences in financial services. The research effectively uses the holistic multiple case study approach to highlight the technological disruption taking place to shape the financial ecosystem, and it has proved to be a game changer for developing countries like India. It ai...

The research in this study involves extensive bibliometric analysis aimed at presenting the changing research landscape of women’s financial literacy. It utilizes information from 573 academic research papers listed in the Scopus database. The analysis traces the trends in publications from 1983 to 2024 and highlights the authors, journals, and cou...

Information technology has been playing a significant and important role in recent years, particularly in the healthcare sector. Primary health care is one of the most important area in health care industry, it is not play important role in treatment of disease but also involved in prevention of disease at community and family level as primary heal...

This study examines the entrepreneurial story of KiWi - a portmanteau of the Kisan (meaning farmer) and Window (meaning window of opportunity) - a universally acknowledged Agtech start-up. The study exemplifies the continuous progress and innovations this start-up has made to develop a profitable model in the fresh food industry. KIWIKisan Window (...

The automobile industry is one of the largest markets in the world. Nowadays, automobiles have become a necessity for everyone. Thus, we have increased the scope for the automobile aftermarket in India. The burst in the automobile industry in India has made the aftermarket also grow. The automobile market, such as washing and repairing has also bee...

Comparative farmer field trials can be an important channel for the successful evaluation, reliable evidence, and acceptance of agricultural technologies. Farmer-managed comparative trials reinforce the agricultural extension system as they validate new technologies in farmers' field conditions. Thus, on-farm comparative trials allow the farmers to...

Traditional job responsibilities of auxiliary nurse midwives of ANM included Maternal and child health care at community level which include care of mother& child, like antenatal check-up (ANC),PNC(postnatal check-up) immunization, family planning etc. .Over the period of time role & responsibilities of ANMs changed in many aspects, with passage of...

The government of India (GoI) launched Swachh Bharat Mission on October 2014 to improve the prevailing sanitation, hygiene, and waste management state in the country. There has been an increased thrust of the authorities in the field of waste collection and management. The main objective of writing this study is to analyze initiatives in India of m...

Access to quality seeds of right varieties remains a prerequisite for higher farm production. In India, there are several private and public seed agencies who deal with multiple products (varieties). Public and small firms working closely with high volume crops and small farmers are not equipped with robust market demand estimation processes or dem...

Rice in Indian state Odisha can contribute more to the agrarian economy if existing low productivity is ameliorated through varietal diversity, improved seed security, and a higher varietal turnover. This exploratory study has found 63% of farmers acquire seeds from farm-managed seed sources. The rice area is dominated by only four mega varieties a...

This study revolves around the philanthropic and the humanitarian phenomenon Corporate Social Responsibility and the essence of every business Brand value. This phenomenon was introduced in the Indian business in 2013through the Companies Act 2013. Objective of this study remains as was to analyze and determine if brand value can be driven through...

The communication style of an organization plays a significant role in achieving the goal. In the healthcare industry aspects of communication among co-workers and management play a very sensitive role. Nicobar health private limited (NHPL) (imaginary) is a large organization. This case study present issues on versions of the communication gap betw...

The Indian textiles industry is now at the most potential market in the economy that contributes to 14 percent of the Export in the economy. Increase in foreign direct investment has led to better growth and development of the industry. Moreover, the central government is planning to launch provisions and changes which are expected to accomplish US...

Realizing the high demand of skilled management and engineering graduates across the world this study has been conducted to explore the student’s desire and their views about their future career options. It has become important to understand the choices of students or recent graduates about their job preferences and location preferences in today’s...

Access to quality seeds of right varieties remains a prerequisite for higher farm production. In India, there are several private and public seed agencies who deal with multiple products (varieties). Public and small firms working closely with high volume crops and small farmers are not equipped with robust market demand estimation processes or dem...

The research paper is about Digital marketing: disruption, expansion, and its impact on businesses. In this research paper I will discuss about the various types of digital marketing tools used by companies. I will take three tools of the digital marketing and how they help the companies to attract more audiences. I have focused on SEM (Search Engi...

Business excellence or BE is a path to success for any enterprise that has started its new journey in this era of highly competitive market for almost any industry. It is a way to achieve a certain level of competitive advantage over other organisations. But what could be done in times of economic crisis. Some of the industry experts believe that i...

This case describes the vision of a founding person who has spent 15 years in the fields and wanted a change in lives of women and girls who were having the second status within their own families. The result of his vision has shaped very well into a movement spread across in many villages discussed thoroughly in the case study. The case's objectiv...

For impact of innovative products like climate resilient rice, there needs to be large scale adoption, strengthened market and demand. While the traditional agriculture extension approaches focusing on varietal promotion are production centric, this would require a market centric approach. The Eastern India, prone to climatic risks, could benefit t...

Startups have been the fashion of commercial markets over the last few years in India. Lack of Government support and stringent policies for setting up the startup makes the process difficult. However with the improvement in the policies regarding documentation work, banking facilities and other helps from government departments, the startups have...

Microfinance is the provision of financial services to low-income clients; solidarity lending groups and self-employed people, who traditionally lack access to banking and related services. Microfinance programs have generally targeted poor women. By providing access to financial services only through women, making women responsible for loans, ensu...

Women Empowerment has been on national agenda of every government. In developing nation women comprises fifty percent of the population so empowering them is crucial for development and nation building. Various Microfinance Institutions (MFIs) extends microcredit/loan via group model (Self Help Groups and Joint Liability Groups) to the marginalised...

The healthcare industry is gradually becoming one of the largest growing sectors in India, whether when concerning the employment or the revenue generated by the sector. It is growing at a brisk pace and fulfilling the need and requirements not only of India but the other south Asian countries also. In the service sector, especially in Healthcare i...

The study intends to analyze the distribution and logistics problems faced by companies at lower level. As the maximum sales of FMCG products are done in rural areas, the companies face problems of distributing goods as there is no fixed transport facility. Companies operating in rural markets face particular challenges because of the low density o...

This case discusses the early success of a start-up “EcoFab” founded by a research scholar turned first generation entrepreneur. EcoFab is the result of love in between a researcher and hand block printing art basically produced by craftsmen living in rural India. EcoFab is a social enterprise promoting vegetable hand printed and herbal/ natural an...

India has taken a strong decision to go cashless and Government has identified 19 short-term measures to be implemented in the current financial year in keeping with its plan to move to a cashless economy. Size of Parallel economy has reduced substantially and decreasing trends of Terror and Naxalite incidents, hawala operations have proved the exe...

Customers of this era have turned out to be more worried about their wellbeing and furthermore slanted to keep up personal satisfaction which is reflected through the special utilization of those items that ensures the great condition of their wellbeing and additionally give most extreme fulfilment. In quest for a healthy way of life Indians have t...

Financial Inclusion is one of the most treasured strategies in India. Our monetary arrangement has dependably been driven by a basic plan of a practical and comprehensive development. The primary point behind the monetary consideration is to cover the all segment of population under monetary administrations. Government of India (GOI) has introduced...

There are projections that close to 1 million cycle rickshaws ply on the Indian roads carrying about 3-4 billion passengers-km/year. In the recent decades, it is very unfortunate that deliberate policies in most of the urban towns have been made by the concerned authorities to phase out these rickshaws pullers. These non-polluting vehicles have bee...

Primary health care is one of most important component of health care in developing country. As per the directive principle s of state policy under Indian constitution, it is "the duty of State to raise the level of nutrition and the standard of living and to improve public health". The government of Delhi introduced the concept of neighborhood hea...

India is an agro-based economy and majority of population makes livelihood through agriculture. 69 yrs post-independence, India has witnessed different phases of progressive economy and bagged a position amongst the fastest growing nations. But still large segment of rural population fall outside the growth cycle. 'Inclusive growth' has been much d...

The research paper examines the impact of Affiliate marketing on consumer behavior with respect to m-commerce in Delhi NCR.The research proves that trust, attitude, indignity and price perception are dependent on the gender of the consumer. The research also shows that there is a positive, high and statistically significant relation between indigni...

Microfinance is being considered as an important factor to eradicate poverty. With access to microfinance, people can earn more and better protect themselves against unexpected losses and setbacks. Microfinance has evolved over the year and many success stories have been told. However, much remains to be done. In this study, different microfinance...

A marketer is not necessarily required early in a startup's life, even though their skill set is very valuable and they have a very broad focus. In the inception phase of a startup no person is required to " build and manage a marketing team " or " manage outside vendors " or even " establish a strategic marketing plan to achieve corporate objectiv...

The news, media and advertising is quite immediate in the marketing and business world, nowadays. People login to their Facebook accounts from their mobile devices several times a day, e-mails are sent directly to people's smartphones and so on. Mobile marketing is currently one of the most important tools when it comes to advertising. It provides...

In the month of September & October, 2015 the capital of India faced a challenging situation when dengue spread very fast. Government health professionals had taken it as emergency situation after the death of 25people and 3000 dengue cases across Delhi was reported. Major initiative was taken by Directorate of Health services. All staff health sta...

In Human Resource, training and compensation plays an important role. If training will not be placed in any organization than there will be no productive output. Being an HR student, it is really very important to know the training and compensation process. The study has the objective to understand the training needs of the organization and observe...

Children have become very much vulnerable in difficult situations prevailing in conflict and disaster zones across the world. Continuous war and disasters have claimed a lot of children’s life. Living children in these regions are facing a lot of challenges in availing their basic necessities and their childhood have lost in dark shadows of war. In...

India is more illiterate than it was fifty or hundred years ago. The socioeconomic conditions in rural India have decayed, declined and deprived the primary education system. Equally the social and economical inequalities of caste, class and gender have been identified as the major causes of education deprivation among the children majorly in rural...

Indian tobacco industry is one of the largest commercial sectors and an important source of direct and indirect employment in many regions of the country. With a total production value of US$ 1.6 trillion in 2012, the Tobacco industry's contribution to the nation's GDP amounted to 1.1% representing about 7% of the total for the manufacturing sector...

Despite the phenomenal increase in the physical outreach of formal credit institutions in the past several decades, the rural poor continue to face difficulty in availing credit according to their needs. Institutions have also faced difficulties in dealing effectively with a large number of small borrowers, whose credit needs are small and frequent...

Financial inclusion is no longer a policy choice today but a policy compulsion and in other words banking has become a key driver for financial inclusion/inclusive growth.The correlation between financial inclusion and economic growth has been long recognised: low financial inclusion impedes economic growth. Access to easy and affordable mainstream...

Good governance is considered as the control idea of Development. A system of structured governance empowers the government to deliver services to the citizen and to mobilize resource and revenue for the societal development. And it can only be achieved by participation of the different stakeholders of the development process. Because of its size a...

Unit Linked Insurance Plan (ULIP) commonly known as a composition of Investment and Life Insurance provides an opportunity to earn a non-taxable income and transfer the financial risk at the same time. Basically, ULIP offered by various insurance companies gives investors benefit of both insurance and investment under a single integrated plan under...

Information, Communication & Technology (ICT) has the potential to bridge the digital divide and add more value and recognition into the Education delivery in India. It can build educational pillars to bring innovative changes in the teaching profession and evade the rote learning system, omnipresent in our nation. This paper is to discuss the role...

The Anganwadi program fits into this vision of socially empowering women. It is a support to them in their daily lives, allowing them to take part in various activities outside of the house and go out to work, thus bringing in their own contribution to the household's finances and earning the respect of their families. The Anganwadi can contribute...

One stop shopper / Rural retailers are offering a multitude of services to rural customer/farmers. The idea is to provide convenient and efficient service and also to create the opportunity for the company to sell more products to customers. But they are facing problems relating with better market linkages and supply chain. After facing these hards...

The study conducted through field visits, family interactions to arrive at meaningful data base to assess the socio economic conditions of inhabitants and to know their livelihoods pattern. In this different strata of people were covered with regard to their trade, profession, occupation, income, education, and infrastructure. This study especially...

AbstrAct Child development is key issue for any civil society and it can be achieved through different focused interventions to improve the living standard of poor people so that every mother can take good care of her child. Government of India is also running a flagship scheme ICDS (Integrated Child Development Scheme) to cater child development a...

The paper discusses how migration is continuing in different parts of India and how it is becoming more and more crucial towards improving livelihood status. In 2004-05, Indian labour force consisted of about 430 million persons, growing annually at about 2% (Economic Survey, 2007). Slightly less than 3/5th of it is employed in agriculture, mostly...

This research paper is to explore the prevailing condition of sanitation in slums and has specific focus on the slums of Tughlakabad. It contains reasons for the present unhygienic conditions prevalent in the slum. It also looks into various ways of controlling such conditions. Sanitation is very important for the health of slum dwellers as health...

National Rural Employment Guarantee Act, 2005 was notified on September 7, 2005. It was notified on 2nd February 2006 in 200 districts, and then extended to 130 additional districts in 2007-2008 and has now been notified in all the remaining districts with effect from April 1, 2008. The Act provides a legal guarantee of 100 days of wage employment...

Child development is key issue for any civil society and it can be achieved through different focused interventions to improve the living standard of poor people so that every mother can take good care of her child. Government of India is also running a flagship scheme ICDS (Integrated Child Development Scheme) to cater child development across the...

The strength and stability of Indian economy inevitably depend upon the rural development, since nearly 70 percent of the people in India are dependent for their living on agriculture and allied sectors. Economic development is now reflecting in urban areas to a great extent, but rural India naturally far away from these trends. To develop rural ar...

At present, approximately 68.35 million hectare area of the land is lying as wastelands in India. Out of these lands, approximately 50% lands are such non-forest lands, which can be made fertile again if treated properly. It was unprotected non-forest lands, which suffered the maximum degradation mainly due to the tremendous biotic pressure on it....

“Social Audit is a process in which, details of resource, both financial and non financial, used by public agencies for development initiatives are shared with the people, often through a public platforms. Social Audits allow people to enforce accountability and transparency, providing the ultimate users an opportunity to scrutinize development ini...

This paper describes success story of a cooperative institution (AMUL) which has touched the level of excellence as top corporate players. Cooperative has farmers as members and they used to sell their milk collectively under cooperative framework to maximize profits and increase bargaining power. Profitability of a cooperative is heavily depends u...

Agriculture is the principal occupation of the rural people of our country and about majority of rural population earns their livelihood on the basis of agriculture and agriculture related activities. Agriculture sector is facing very tough condition and farmers, the backbone of our economy are crumbling under cost escalation & inflationary pressur...