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pollution tax. While converse may not be true, still those having a more favorable outlook. So far as women consumers are concerned, they are prepared to pay much higher premium on health and beauty products, have strong interest in recycling of waste, and reducing pollution control. Bibliography: 1. Bob Lipp, Marcomm Group, Inc., 2. Baker, Michael. The Marketing Book. Fifth Edition. Elsevier, 2002. 3. Federal Trade Commission. Frequently Asked Advertising Questions: A Guide for Small Business. Available from http://www.ftc.gov/bcp/conline/pubs/buspubs/ad-faqs.htm Retrieved on 13 March 2006. 4. Meiklejohn, Gregg. "The Marketing Value of Environmental Stewardship." Direct Marketing. October 2000. 5. Meyer, Harvey. "The Greening Corporate America." Journal of Business Strategy. January 2000. 6. "Nearly Two-Thirds of Americans Have Tried Organic Foods and Beverages." Press Release. Whole Foods Market. Available from http://www.wholefoodsmarket.com/company/pr_11-18- 05.html 18 November 2005. 7. Ottman, Jacquelyn A. Green Marketing. Second Edition. BookSurge Publishing, May 2004. 8. Smith, Allison E. "Green Markets: Survey shows consumers' desire for environmentally-sensitive products." Incentive. August 2005. 9. U.S. Department of Agriculture. The National Organic Program Available from http://www.ams.usda.gov/nop/indexNet.htm Retrieved on 13 March 2006. 10. Wagner, Marcus, and S. Schaltegger. How Does it Pay to Be Green? Tectum Verlag DE, 2003. 11. Webb, Tom. "Organic Farms See Soaring Demand: Supporters say more are needed in Minnesota, Wisconsin." Saint Paul Pioneer Press. 11 March 2006 12. http://www.ftc.gov/bcp/edu/microsites/energy/abou t_guides.shtml 13. http://www.nrn.com/article 14. http://www.environmentalleader.com/2009/06/10/ft c-cites-kmart-tender-dyna-e-for-false-green-claims/, note 11 www.theinternationaljournal.org > RJSSM: Volume: 01, Number: 10, Feb-2012 Page 31
A Review – Banking in India – Past, Present and Future in order to Safeguard the Finance of Customers Sanjaykumar | Vitthall Omase, Balasaheb Mane Education Trust‟s Rajarshi Shahu Arts & Com., College, Rukadi, Tal.-Hatkanangale, Dist.Kolhapur, Maharashtra Anil Trimbakrao Gaikwad, Bharati Vidyapeeth Deemed University, Pune. Abstract The Banking system India has glorious history, bright future and pleasant present which can be observed by sustaining the recession period from last five years. The Banks are the important organizations in society which require faith of customers to keep their assets in terms of money and gold in banks. The banks have to follow strict policies in terms asset and liabilities management. The banks are using ICT facilities to provide better service to the account holders. The authors have done decent effort to find out the major issues of the banks in India to the readers to update their knowledge . The banks in future will be very sensitive to the changing environment of the world wide customer. The Finance in terms of deposits and advances will depend on the bank polices to lend and take deposits with inter rate which will attract the account holders . The paper deals with the banking history , future and finance safety to customer. Keywords :- Banking System, ICT, Credit Card, ATM, Loan Process, Lockers, NPA. History of Banking in India Definition of Banking The business of the banking has been defined in Section 5(b) of the Act as follows: “ Accepting for the purpose of lending or investment of deposit of money from public , repayable on demand or otherwise and withdrawal by cheque, draft , order or otherwise.” The Narasimham Committee The banking sector reforms in the 1990s in India were based on the report of the committee headed by Mr. M. Narasimham in 1991. Major recommendations of the committee were as follows 1) There should be speedy computerization of the banking Industry . It suggested to trace on the computerization of banking operations. The Narasimham Committee –II The Narasimham Committee , in its second report on banking sector reforms , submitted in April 1998, made a series of sweeping recommendations which are being used as a launching pad to take India banking into future. The report covers following points related with computerization and it mainly traces on strengthening the Management Information System within the banks and financial Institutions so as to sensitize them to the market risk assumed by them Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reason of India's growth process. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: • Early phase from 1786 to 1969 of Indian Banks • Nationalisation of Indian Banks and up to 1991 prior to Indian banking sector Reforms. • New phase of Indian Banking System with the advent of Indian Financial & Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase-I The phase one is banking beginning with respect to customers. The Indian banks have also gone from beginning in short to long changes with advancements in polices and rules to make banks strong. The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was www.theinternationaljournal.org > RJSSM: Volume: 01, Number: 10, Feb-2012 Page 32
Page 2 and 3: Table of Contents Articles-HR Worki
Page 4 and 5: Lifelong Learning: The Challenge in
Page 6 and 7: the fact that Indian society tradit
Page 8 and 9: stakeholder led partnerships (Guile
Page 10 and 11: Defarges, P M (1996), Les organizat
Page 12 and 13: Rubenson K (2006), Constructing the
Page 14 and 15: Looking at the organization also we
Page 16 and 17: [10]Nilles,Jack M.(1974), The Telec
Page 18 and 19: THE EVOLUTION OF HUMAN RESOURCE DEV
Page 20 and 21: the treatment meted out by the top
Page 22 and 23: 1.Number of pucca houses doubled fr
Page 24 and 25: in the rural markets of India‖. I
Page 26 and 27: Sustainable Development in Educatio
Page 28 and 29: esponsible citizens, we can economi
Page 30 and 31: Study of Impact of Green Marketing
Page 32 and 33: est path forward. The authors have
Page 36 and 37: established which started as privat
Page 38 and 39: Principles of Sound lending The ban
Page 40 and 41: Mithila State Dr. Prem Chandra Thak
Page 42 and 43: (Jatasankar jha PP59 Beginning of m
Page 44 and 45: Leadership to manage Emotions in He
Page 46 and 47: will to pursue it through the devel
Page 48 and 49: thing to do.” There are a few oth
Page 50 and 51: Blake, R. and McCanse, A.A. (1991),
Page 52 and 53: and hence considered the most impor
Page 54 and 55: % of Respondents Percentage of Resp
Page 56 and 57: S.No Income (Rs.) Average monthly f
Page 58 and 59: Bibliography [1] Binu Mathew (2006)
Page 60 and 61: Knowledge evolves over time with ex
Page 62 and 63: The cycle works as follows: A. Figu
Page 64 and 65: of companies listed on Jakarta Isla
Page 66 and 67: [4] R. Ball and P. Brown. "An empir
Page 68 and 69: CKK‟s Advertisement Intervention
Page 70 and 71: Another significant feature of the
Page 72 and 73: Psychological Science [A Journal of
Page 74 and 75: • Have a personal action plan for
Page 76 and 77: • But all the units of the organi
Page 78 and 79: Role of Supply chain in successful
Page 80 and 81: POPULATION, SAMPLING AND SAMPLING S
Page 82 and 83: REFERENCES 1. Ademeso, O.S.and Wind
Page 84 and 85:
Table-2:ANOVA Test - Type of owners
Page 86 and 87:
Levels of Human Resource Developmen
Page 88 and 89:
Area of Moderate backwardness As ma
Page 90 and 91:
Criminal Code of Thailand, B.E. 249
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In phase 6, the validation will be
Page 94 and 95:
1. Risk factors research Reduce fra
Page 96 and 97:
Supply chain management is an integ
Page 98 and 99:
. B. Raja Shekar, GVRK Acharyulu, L
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other words, it simply means a plan
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and encourages communalism which is
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From this paper, it has been found
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confinement of the research. Thirdl
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sentence in India. Adequate safegua
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amount of compensation from the Sta
Page 112 and 113:
in Joginder Kumar Singh case. It is
Page 114 and 115:
111 TABLE 1. DISTRIBUTION OF WORKER
Page 116 and 117:
Appraisal system of the company pay
Page 118 and 119:
ITC Limited has a long history of a
Page 120:
CONCLUSION The survey indicated tha
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