ARCHIVES(Journal of Harmonized Research in Management)

Title: CREATING THE NEXT GENERATION DIGITAL COMPETENCY WORKFORCE
Author: D.Raghavendra*, Dr. Ashu Singh and Dr. Sanjay Prahlad Umachigi
Keyword: Digital Education, Competency, Workforce, Next Generation
Page No: 278-281

Abstract: - In this paper, an attempt has been made to critically examine the importance creating the next generation digital competency workforce for Digital India vision and the factors for digital competenc y engagement and its effectiveness. By limited available literature and research, By increasing digital competency awareness and engagement of citizens in digital oriented education system regarding the outcome of the digital education programme, discipline-orientation and increasing involvement by government in the digital education systems create the next generation competency workforce negotiates different continental, organizational and competency roles in digitalization environments. The solutions for enhancing the effectiveness of digital competency workforce are a) shifting the focus of education / curriculum / syllabus from conventional learning to skill development, attitude change, goal oriented and client satisfaction. b) Acquiring / engaging / level-up a faculty having a greater practical digital orientation and c) establishing greater connectivity, communication and collaboration between the citizens and the world of 7 Billion population with regard to the economical, effective and state art of ways of working to meet global demands. Key Words: Digital Education, Competency, Workforce, Next Generation Download PDF

Title: COMPARATIVE ANALYSIS OF UNIT LINKED INSURANCE PLANS AND MUTUAL FUNDS
Author: Priti Rai and Amoah-Binfoh Kenneth
Keyword: Mutual funds, Unit linked, Insurance, Risk
Page No: 282-285

Abstract: - In the 21st century the purpose of insurance mode of risk transfer is to provide economic protection against the losses that may be incurred but to chance events such as death, disability, and econ omic losses. India is still a relatively under penetrated market when it comes to paying for financial advice. Most investors are not comfortable paying a fee when it comes to receiving financial advice and even more so in years where the market sees greater volatility and when there may be potential losses on investments. Mutual fund is the pool of the money, based on the trust who invests the savings of a number of investors who shares a common financial goal, like the capital appreciation and dividend earning. The money thus collect is then invested in capital market instruments such as shares, debenture, and foreign market. A unit-linked insurance plan is a multi-featured product that combines the benefit of insurance, risk sharing and investment. The investment in a unit linked insurance plan works like a mutual fund and does not come with guaranteed returns, unlike money back, whole-life or endowment policies. The objectives of the study were to examine the awareness level in the market for Unit Linked Insurance Plans (ULIPs) and Mutual Fund, to find the most popular investment avenues among sample of investors, also to find the importance of various investments based parameters among sample of investors, to identify the potential customers across locations, age-groups, profession and to get an idea of customer expectations in terms of rate of return. It was found out that, major of the target audience have been insured, also must people prefer Unit Linked Insurance Plans to mutual funds and it was also found that the respondent prefer moderate risk moderate return. Keywords: Mutual funds, Unit linked, Insurance, Risk Download PDF

Title: GAP ASSESSMENT ON INNOVATION OF SMALL AND MEDIUM-SIZED ENTERPRISES IN DEVELOPING COUNTRIES
Author: Khaled Mohammed Alqahtani*
Keyword: Innovation, Small and Medium-sized Enterprises, Developing Countries
Page No: 286-291

Abstract: - Global disparities are growing as industrially and technologically more advanced economies progressing well in innovation leaving other countries far behind. The sector of small and medium-sized en terprises (SMEs) is the backbone of the economy in high-income countries, whereas this is less developed in low-income and developing countries. SMEs are essential to the path out of poverty for many developing countries. Hence, predictably reviewing the innovation performance of small and medium businesses is crucial. Moreover, studies relating to innovation on SMEs have been increasingly popular over the recent years. However, there are not enough comprehensive reviews on this field of research. Therefore, this study focuses on assessing the innovation performance of SMEs in developing countries. According to an extensive research, this study evaluates the current performance of SMEs innovation, aiming to integrate empirical findings and point out future policy recommendations to respective bodies. The study found that lack of finance, inefficient efforts of innovation policies, unwillingness to invest on innovation, knowledge gap and the shortage of infrastructure are the major bottleneck of innovation for SMEs in developing countries. Keywords: Innovation, Small and Medium-sized Enterprises, Developing Countries Download PDF