https://ir.vidyasagar.ac.in/jspui/handle/123456789/7527 2026-04-26T01:48:04Z https://ir.vidyasagar.ac.in/jspui/handle/123456789/7571 Title: POST-COVID CHALLENGES FOR BUSINESS AND ECONOMY: A STUDY FROM BANGLADESH PERSPECTIVES Authors: Bhattacharjee, Milan Kumar Abstract: The occurrence of the unprecedented pandemic caused havoc across the globe and affected national and global economies. The present study assesses how Covid-19 affected the economy of Bangladesh and looks at the effect on two sectors specially which include readymade garments and travel and tourism. The study notes that these two sectors have been impacted very severely. The key challenges that the garments arena faces in the post-covid period include low productivity, improper infrastructure, low investment in research and development and diseconomies of scale. The others include order cancellation and material crisis along with the chance of making defaults in payment. In a similar tune, for the travel and tourism sector, the revival will take time looking into the extent of downfall and the unforeseen circumstances in which the sector had to go through because of restrictions during the Covid. A lot of innovations in offerings are expected from the stakeholders in the sector so that the industry revival can take place fast. Data shows that the sectors are showing immense improvement and it is expected that things will get boosted further Description: PP : 01-15 2024-02-20T00:00:00Z https://ir.vidyasagar.ac.in/jspui/handle/123456789/7570 Title: SOCIO-ECONOMIC CONTRIBUTION OF DIGITAL RETAIL BANKING- AN EMPIRICAL STUDY IN WEST BENGAL Authors: Dey, Biswajit; Das, J. K. Abstract: Banking as a part of society always provides a positive contribution to the economic development. Digital retail banking in India has immensely contributed to overall socio-economic development. The present study imparts a primary data based empirical analysis from 170 respondents in West Bengal on this issue and used five constructs such as Easy Access to Money (EAM); High Quality of Life (HQL); Poverty Reduction (PR); Facilitating Emerging Digital Economy (FEDE); Covid-19 Protective Security (C-19PS) to judge the socio-economic contribution of digital retail banking in West Bengal. The study has found after applying descriptive statistics and Pearson’s correlation test that all five constructs are internally consistent and digital retail banking has very high impact on all the five socio-economic constructs. Digital retail banking has also highly impacted all 17 attributes or statements under these five constructs Description: PP : 16-33 2024-02-20T00:00:00Z https://ir.vidyasagar.ac.in/jspui/handle/123456789/7569 Title: THE INTERLINKAGE BETWEEN VALUE ADDED INTELLECTUAL CAPITAL AND CORPORATE PROFITABILITY: A STUDY ON INDIAN PHARMACEUTICAL COMPANIES Authors: Ghosh, Chaitali; Khan, Tagar Lal Abstract: Intellectual capital (IC) is considered an essential means for increasing the worth of businesses and giving them a competitive edge in the industrialized world. Therefore, stakeholders must comprehend how it affects the profitability of companies. The present study analyses the effects of intellectual capital on Indian pharmaceutical businesses’ profitability. The study examines the inter-relationship among the different aspects of intellectual capital, viz., human capital, structural capital, and physical capital, and their overall relation with the different profitability paraments like Operating profit (Profit before depreciation, interest, tax, and amortization), Net profit margin (NPM), Return on net worth (RONW), Return on capital employed (ROCE). For probing the impact of intellectual capital on the firm profitability of pharmaceutical companies’ Descriptive statistics, Correlation analysis, Panel Regression analysis, and Principal Component Analysis have been applied. Appropriate hypothesis tests like Hausman’s specification test, paired t-test, KMO test, Bartlett’s test, etc., have been carried out as appropriate. The results indicate a significant positive relationship between intellectual capital and firms’ profitability. Also, it is found that human capital, relational capital, and physical capital have a significant role in increasing the firms’ profitability Description: PP : 34-51 2024-02-20T00:00:00Z https://ir.vidyasagar.ac.in/jspui/handle/123456789/7568 Title: ENTREPRENEURSHIP DEVELOPMENT THROUGH PRADHAN MANTRI MUDRA YOJANA: A CRITICAL ANALYSIS Authors: Minz, Wilson Peter; Bhowmik, Goutam; Kushari, Shubhadip Abstract: MSME is the biggest pillars of the Indian economy as it helps in boosting employment generation. However, the most significant impediment to these industries is lack of financial access from the mainline financial institutions. In order to remove the impediment, the Government of India established the Micro Units Development & Refinance Agency Ltd. (MUDRA) in 2015 to provide refinance facility to the lender for loans granted to microentrepreneurs in India. This paper aims to highlight the overall performance of MUDRA in terms of total number of accounts opened, amount sanctioned and disbursed to the less privileged entrepreneur groups ((Women, New Entrepreneur, Minority and Others) since inception. The study is based on secondary data collected from the annual reports of MUDRA database. Annual growth and CAGR were calculated using the total number of accounts opened and amount disbursed. One-way Anova along with Game-Howell post-hoc analysis have been used to determine whether there exists any significant difference with respect to loan disbursed among the less privileged entrepreneur groups. The study reveals that the Mudra loans witnessed substantial progress during the period under review. The study will assist in understanding how Mudra aids in the empowerment of the less privileged entrepreneurs. Description: PP : 52-66 2024-02-20T00:00:00Z