A STUDY ON THE PROBLEM OF ORGANIC FOOD PRODUCTS

Title: A STUDY ON THE PROBLEM OF ORGANIC FOOD PRODUCTS
Author: Dr. M. Mahesh Kumar and S. Shriram
Abstract:

Organic food products have become significant in recent years as consumers are becoming more conscious about health and wellness, environmental protection, and food security. But despite their growing popularity, there are various issues affecting their uptake. The current study seeks to examine the issues related with organic food products from the consumers’ view. Primary data has been gathered through a questionnaire from a sample of 130 people in Coimbatore city. The study used a descriptive research design. The study reveals price, lack of awareness, availability and certification issues are the major problems. This study finds that while consumers have a favourable attitude towards organic food, their buying intentions are limited by economic and availability issues. The research ends with recommendations to enhance awareness, purchase convenience and price of organic food products.

Keywords: Organic food, Consumer perception, Price sensitivity, Awareness, Availability, Certification
DOI: https://doi.org/10.38193/IJRCMS.2026.8307
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Date of Publication: 15-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

INFLUENCE OF SOCIO-BEHAVIOURAL APPROACH ON GEN Z’S ONLINE PURCHASE BEHAVIOUR OF URBAN AND RURAL WOMEN CONSUMERS

Title: INFLUENCE OF SOCIO-BEHAVIOURAL APPROACH ON GEN Z’S ONLINE PURCHASE BEHAVIOUR OF URBAN AND RURAL WOMEN CONSUMERS
Author: Dr. Ayush Kumar and Shivangi Tripathi
Abstract:

The COVID-19 pandemic has restricted the Consumer movements to their homes due to which consumers have to be reliant on e-commerce to manage their day-to-day chores. This study investigates how Socio-Behavioural Approach affects the online purchase behaviour of women belonging to Generation Z (born ~1997-2012) in both urban and rural settings. As Gen Z is the first true “digital native” generation, their online shopping habits are distinct in terms of preferences, risk perceptions and technology usage. Specially in the case of Women Consumers the scenario becomes very vigilant as there is huge amount of difference in them in the following manners: The thought process of rural and urban women consumers is very different, their risk handling capacity also does vary, their level of education varies, there is huge difference of social background in them.
Previous literature has explored Gen Z’s online purchasing behaviour and separately Socio-Behavioural Approach across generations, but little work has addressed how Socio-Behavioural Approach mediates or moderates online purchase decisions for Gen Z women in diverse geographies (urban vs rural) Using Secondary data techniques the study finds that higher Socio-Behavioural Approach— operationalised via knowledge of online risks, safe practices, and trust in website/transaction security — will be positively associated with higher frequency of online purchases and higher willingness to transact. However, the strength of the effect differs between urban and rural women: urban women show stronger impact of Socio-Behavioural Approach on purchase behaviour, while rural women’s behaviour is more strongly influenced by other factors such as perceived convenience and social influence. The findings suggest that enhancing cybersecurity education and awareness among rural Gen Z women can help reduce risk perceptions, thereby increasing online shopping participation and bridging the urban-rural digital commerce divide.

Keywords: Socio-Behavioural Approach, Gen Z’s, Online Purchase, Purchase Behaviour, Rural and Urban Women Consumers
DOI: https://doi.org/10.38193/IJRCMS.2026.8306
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Date of Publication: 15-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

A STUDY ON ONLINE CONSUMER BEHAVIOUR AND DIGITAL SHOPPING TRENDS WITH SPECIAL REFERENCE OF SOCIAL MEDIA SHOPPING

Title: A STUDY ON ONLINE CONSUMER BEHAVIOUR AND DIGITAL SHOPPING TRENDS WITH SPECIAL REFERENCE OF SOCIAL MEDIA SHOPPING
Author: Dr. M. Mahesh Kumar and Aarya K
Abstract:

The rapid proliferation of social media platforms has fundamentally reshaped the landscape of consumer purchasing behaviour. This study investigates the influence of social media on online consumer behaviour and digital shopping trends, with special reference to social commerce practices. Using a descriptive research design and a structured questionnaire administered to 101 respondents of diverse demographic profiles, the study employs percentage analysis, chi-square testing, and weighted average methods for data interpretation. The findings reveal that social media exerts a moderate influence on consumer buying behaviour; however, factors such as product quality, trust, pricing, and customer service remain pivotal determinants of purchase decisions. Most respondents maintain a neutral stance towards social media advertisements, influencer marketing, and online shopping convenience. The chi-square analysis confirms no statistically significant relationship between gender and satisfaction with social media shopping (χ² = 9.97, df = 8, p > 0.05). A weighted average score of 3.10 indicates moderate-to-positive consumer evaluations of online product variety. The study underscores the necessity for businesses to augment credibility, engagement strategies, and consumer trust to fully harness the potential of social media commerce.

Keywords: Social Media Shopping, Consumer Behaviour, Digital Marketing, E-Commerce, Influencer Marketing, Social Commerce, Online Trust.
DOI: https://doi.org/10.38193/IJRCMS.2026.8305
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Date of Publication: 15-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

THE ROLE OF PSYCHOLOGICAL NEEDS AND JOB RESOURCES IN SALES PROFESSIONALS’ CAREER WELL BEING

Title: THE ROLE OF PSYCHOLOGICAL NEEDS AND JOB RESOURCES IN SALES PROFESSIONALS’ CAREER WELL BEING
Author: Ganeshkumar T. and Mr Rameshkumar J.
Abstract:

Sales and marketing professionals face chronic stressors, including performance targets, rejection, role ambiguity, and environmental uncertainty, necessitating psychological resilience for sustained well-being and performance. Drawing on Conservation of Resources (COR) theory, Self-Regulation Theory and positive psychology frameworks, this study examines how self-determination, self-regulation, mindfulness, and salesperson resilience predict job satisfaction and career well-being among 275 professionals from Indian FMCG, retail, B2B, and jewellery sectors. Employing a cross-sectional survey design, data were collected, and descriptive statistics revealed high mean levels while Pearson correlations demonstrated exceptionally strong interrelationships. Theoretical contributions include empirical validation of resilience as the dominant “black box” mediator subsuming motivational and regulatory processes, challenging fragmented sales psychology models. Practical implications emphasise resilience-building interventions—transformational leadership training, post-rejection debriefs, and mindfulness programs—for reducing 20-30% salesforce attrition. Limitations encompass cross-sectional design and non-probability sampling; future research should employ longitudinal, multi-source approaches with refined measurement.

Keywords: salesperson resilience, job satisfaction, psychological capital
DOI: https://doi.org/10.38193/IJRCMS.2026.8304
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Date of Publication: 11-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

DECODING THE TAX – GROWTH NEXUS: A TIME-SERIES ANALYSIS OF INDIA’S DIRECT AND INDIRECT TAX STRUCTURE

Title: DECODING THE TAX – GROWTH NEXUS: A TIME-SERIES ANALYSIS OF INDIA’S DIRECT AND INDIRECT TAX STRUCTURE
Author: Dr. Sanjay P. Parab
Abstract:

This study compares the effects of direct and indirect taxes on GDP in order to examine the relationship between taxes and economic growth in India. The study uses time-series data from 2000–2001 to 2024–2025 in a quantitative, explanatory research approach. The Economic Survey, Ministry of Finance publications, and the Reserve Bank of India are the sources of secondary data. To evaluate the strength and importance of the tax-growth link, analytical tools include multiple regression approaches, ratio analysis, Pearson correlation, and descriptive statistics.
The findings show that there is a substantial and statistically significant positive correlation between GDP and tax revenue. Both direct taxes (r = 0.98) and indirect taxes (r = 0.97) have very high correlation values. According to regression research, direct taxes have a greater effect on GDP (β = 0.72) than indirect taxes (β = 0.41). A structural movement toward a more effective and equitable tax system is indicated by ratio analysis, which also shows an increasing Direct Tax-to-GDP ratio and a decreasing reliance on indirect taxes.
By providing an integrated time-series analysis of India’s tax structure and its effect on GDP over a long period of time, this study closes a major gap and emphasizes the growing significance of direct taxes in promoting economic development.

Keywords: Taxation, Economic Growth, Direct Tax, Indirect Tax, GDP, Tax-to-GDP Ratio, Time-Series Analysis, India, Fiscal Policy, Econometric Analysis.
DOI: https://doi.org/10.38193/IJRCMS.2026.8303
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Date of Publication: 11-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

AN EMPIRICAL STUDY ON LOAN UTILISATION UNDER PMMY BASED ON BENEFICIARY CHARACTERISTICS

Title: AN EMPIRICAL STUDY ON LOAN UTILISATION UNDER PMMY BASED ON BENEFICIARY CHARACTERISTICS
Author: Dr. B. Sandhya Rani and Pangala. Chandrakala
Abstract:

The present study examines the impact of beneficiary characteristics such as demographic and socio-economic variables on the loan utilization factors under the Pradhan Mantri Mudra Yojana (PMMY) scheme. For present study It considered on five independent demographic and socio-economic variables of beneficiaries such as “Age, Gender, Education, Occupation and Income. Moreover, it considers following 6 dependent variables of loan utilization such as “Awareness of the scheme, Type of Loan, Type of Bank, Purpose of Loan, Processing Time and Sufficiency of Loan Amount”. The primary objective of study was to assess the impact of select independent factors on their borrowing behaviour and loan experience of beneficiaries under PMMY. To analyze this it adopted a descriptive, analytical methodology framework, based on data collected using primary sources. For the analysis of data, it adopted “Percentage & Chi-square” statistical test at 5 percent level of significance. While the results indicates that the influence of select independent factors on loan utilization is not uniform across all dimensions. The age of beneficiaries shows partial association and it significantly influencing only with the purpose of loan and processing time. While, gender does not exhibit any statistical association with any of the loan utilization variables, indicating uniformity in access and experience for both male and female beneficiaries. In contrast, beneficiary education level emerged as a key determinant, showing significant relationship with all the dimensions of loan utilization. Similarly, beneficiary occupation also significantly influencing awareness, type of bank, purpose of loan, processing time and loan sufficiency, suggesting that employment status shapes the financial exposure and borrowing behaviour. Whereas, beneficiary Income level also demonstrates a significant association with almost all loan utilization variables, except the type of loan, indicating that economic capacity of beneficiary plays an important role in shaping borrowing patterns and loan experience. Overall, these findings suggest that beneficiary socio-economic factors such as education, occupation and income-levels have a stronger influence on PMMY loan utilization compared to their demographic characteristics like age and gender. Finally, it concludes that by improving the financial literacy, strengthening awareness programs and simplifying loan procedures for beneficiary will essentially enhance the effectiveness of the PMMY.

Keywords: PMMY, Loan Utilization dimensions, Socio-Economic & Demographic factors
DOI: https://doi.org/10.38193/IJRCMS.2026.8302
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Date of Publication: 11-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

A STUDY ON SUSTAINABLE TOURISM IN INDIA: COMPARATIVE ASSESSMENT OF SUSTAINABILITY PRACTICES ACROSS STATES AND UNION TERRITORIES OF INDIA

Title: A STUDY ON SUSTAINABLE TOURISM IN INDIA: COMPARATIVE ASSESSMENT OF SUSTAINABILITY PRACTICES ACROSS STATES AND UNION TERRITORIES OF INDIA
Author: Dr. BSV Meera Setty
Abstract:

Sustainable tourism in India is increasingly recognized as a critical approach to balance economic growth, environmental conservation, and socio-cultural development. This study provides a comprehensive review of sustainable tourism practices, government initiatives, and policies across all Indian states and Union Territories. It highlights region-specific strategies, including community-based eco-tourism, heritage and cultural preservation, marine and coastal conservation, high-altitude eco-tourism, and wildlife protection. The analysis emphasizes the importance of low-impact tourism, eco-friendly infrastructure, community participation, and regulatory frameworks in achieving sustainable outcomes. The study also identifies best practices, challenges, and opportunities between States and Union Territories of India and to enhance environmental stewardship, support local livelihoods, and ensure the long-term viability of tourism in India

Keywords: Sustainable tourism, eco-tourism, community-based tourism, green tourism, biodiversity conservation, wildlife tourism, heritage tourism, cultural preservation, eco-friendly infrastructure, renewable energy, waste management, rural tourism, village tourism, marine tourism, adventure tourism, policy framework, government initiatives and environmental sustainability.
DOI: https://doi.org/10.38193/IJRCMS.2026.8301
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Date of Publication: 11-05-2026
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Published Vol & Issue: Volume 8 Issue 3 May-June 2026

SMART CONTRACTS AND REAL-TIME BUSINESS PERFORMANCE ANALYTICS

Title: SMART CONTRACTS AND REAL-TIME BUSINESS PERFORMANCE ANALYTICS
Author: Dr Sandeepan Banerjee
Abstract:

The use of blockchain technology in smart contracts is changing the way businesses are run in the modern world, with the ability to perform automated, transparent and additional contractual terms without being tampered with. This paper examines how smart contracts can be utilised with real-time business performance analytics to improve the efficiency of operations, accountability and strategic decision-making. Smart contracts can be utilized to validate transactions in a decentralized system by including a set of rules that ensure that the transactions are automatically validated immediately, minimize the reliance on intermediaries and minimize human error. Through the integration of the real-time analytics tools, the organizations will be able to track the key performance indicators (KPI), financial operations, supply chain operations and compliance indicators more precisely and promptly. The integration of these technologies promotes integrity of data, reinforcement of audit trails and predictive insights due to the continuous flow of data stream. Moreover, the study points to its use in finance, supply chain management, healthcare and digital services, noting that it has better transparency, cost reduction in operations and the trust of stakeholders. In spite of the benefits, there are still issues like scalability, interoperability, regulatory unpredictability and data privacy. The paper comes to a conclusion that a combination of smart contracts and real-time analytics offers a strategic platform to data-driven companies, which make agility decisions and sustainable competitive edges in dynamic digital markets.

Keywords: Smart Contracts, Blockchain Technology, Real-Time Analytics, Business Performance, Decentralized Systems, Key Performance Indicators (KPIs), Data Integrity, Automation, Predictive Analytics, Digital Transformation
DOI: https://doi.org/10.38193/IJRCMS.2026.8276
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Date of Publication: 30-04-2026
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Published Vol & Issue: Volume 8 Issue 2 March-April 2026

EFFECTIVENESS OF ENTREPRENEURSHIP FINANCING SCHEMES OF STATE BANK OF INDIA IN PROMOTING ENTREPRENEURSHIP: EVIDENCE FROM URBAN AND RURAL INDIA

Title: EFFECTIVENESS OF ENTREPRENEURSHIP FINANCING SCHEMES OF STATE BANK OF INDIA IN PROMOTING ENTREPRENEURSHIP: EVIDENCE FROM URBAN AND RURAL INDIA
Author: Dr. Syed Mohammad Jamal Ashraf
Abstract:

This research article investigates the effectiveness of entrepreneurship financing schemes offered by the State Bank of India (SBI) in promoting entrepreneurship across urban and rural India. India’s micro, small and medium enterprise (MSME) sector is the cornerstone of its economic architecture, contributing 30.1% to the nation’s Gross Domestic Product (GDP), accounting for 35.4% of manufacturing output and constituting 45.73% of total exports (Ministry of MSME, Government of India, 2024). Despite numerous government-backed financial schemes channelled through SBI — such as the PM Mudra Yojana, Stand-Up India, PM SVANidhi and MSME loans — a persistent rural-urban disparity in credit access continues to challenge inclusive entrepreneurial development. Using a primary survey of 120 respondents drawn from urban and rural areas, this study evaluates awareness levels, accessibility, utilisation and perceived impact of SBI’s financing schemes on business growth and employment. The study employs descriptive statistics, chi-square analysis and t-tests to analyse the collected data. Findings reveal that while urban entrepreneurs demonstrate higher awareness and utilisation of SBI schemes, rural entrepreneurs face significant barriers including inadequate financial literacy, collateral requirements, bureaucratic procedures and limited branch proximity. The study recommends targeted outreach, digital banking literacy programmes, simplified loan procedures and dedicated rural entrepreneurship cells to bridge the gap. This research contributes to the existing body of knowledge on institutional finance and entrepreneurship development in emerging economies

Keywords: Entrepreneurship Financing, Rural-Urban Disparity, Financial Inclusion, Institutional Credit, PM Mudra Yojana, Stand-Up India.
DOI: https://doi.org/10.38193/IJRCMS.2026.8275
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Date of Publication: 30-04-2026
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Published Vol & Issue: Volume 8 Issue 2 March-April 2026

MARKETING STRATEGIES OF COCONUT PRODUCTS: A STUDY OF BRANDING AND PROMOTION IN TUMAKURU DISTRICT

Title: MARKETING STRATEGIES OF COCONUT PRODUCTS: A STUDY OF BRANDING AND PROMOTION IN TUMAKURU DISTRICT
Author: Suresh H N and Dr. M. Devaki
Abstract:

The present study examines the marketing strategies of coconut products with special reference to branding and promotion in Tumakuru district. Coconut products play a significant role in the agro-based economy, yet their market potential remains underutilized due to inadequate branding and limited promotional efforts. The study aims to analyze the impact of branding and promotional strategies on consumer buying behavior.
A descriptive and analytical research design was adopted, and primary data were collected from 200 consumers using a structured questionnaire. Statistical tools such as Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA), Structural Equation Modeling (SEM), and regression analysis were employed to analyze the data.
The results reveal that both branding and promotion have a significant positive impact on consumer behavior. Branding enhances product trust, recognition, and purchase intention, while promotional strategies, particularly digital marketing and social media, significantly improve consumer awareness. The study also finds that promotion has a relatively stronger influence compared to branding.
The findings highlight the importance of adopting modern marketing strategies, improving packaging, and building strong brand identity to enhance the competitiveness of coconut products. The study provides practical insights for producers, marketers, and policymakers to strengthen marketing practices and achieve sustainable growth in the coconut industry.

Keywords: Coconut Products, Branding, Promotion, Consumer Behavior, Purchase Intention, Digital Marketing, Structural Equation Modeling (SEM), Tumakuru District
DOI: https://doi.org/10.38193/IJRCMS.2026.8274
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Date of Publication: 30-04-2026
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Published Vol & Issue: Volume 8 Issue 2 March-April 2026