PEARL Multidisciplinary Journal

Alternative Organizational Climate, Changing Scenarios in Catholic Hospitals

Changing scenario of organizational climate in the catholic hospitals of Kerala and Karnataka were studied in the context of job satisfaction. The methodology used was qualitative in approach and narrative in design. The paper focused on the subjective experiences of selected nurses and ancillary staff. The objective of the part of the doctoral study was focused on the variables such as; 1) Communication flow, organizational structure and methodology of change in the administration, 2) Management policies in decision making, professional and personal growth 3) Personnel treatment in terms of organizational warmth and recognition and free from exploitation and stress and 4) Job Satisfaction, work group, leadership and communication. The result showed positive and favourable experience from the part of nursing and ancillary staff in both the states deriving an innovative model in the area of organizational climate that could be replicated in service-oriented health institutions.

Pros and Cons of Government Support in Creation of Women Entrepreneurship in Medium and Large Scale Industries in South India

Today, women in India are scaling equal to that of men in different fields of business, which enabled government to concentrate on creation and development of women entrepreneurship in India. Government of India has launched different financial and other schemes in which some are meant specially for women like Stand-Up India scheme which provides loan only to women and SC/ST entrepreneurs. As on 31.01.2020, 70% of the total loan borrowers of Pradhan Mantri MUDRA are Women. As on 17.02.2020, more than 81% account holders under Stand Up India Scheme are women and Rs. 9106.13 crore has been disbursed for women account holders. We can find women’s taking initiatives in different fields but majority of the women entrepreneurs are limiting themselves to small sector. Even though this is help them to become self-employed but focusing on medium and large scale entrepreneurship can help to boost the economic growth. Therefore, the present study tries to find out reasons behind women’s taking entrepreneurship in small sectors in large number instead of medium and large scale entrepreneurship. Primary data using telephonic interview, have been extracted from women entrepreneurs who have taken government support in creating their entrepreneurial initiative. Convenience sampling method has been used to select samples.

Entrepreneurial qualities and skills are essential for industrial development as well as eradication of poverty by means of creating self employment and employment to others. The Central and the State governments are trying their best for promotion of entrepreneurship among the economically backward castes, particularly scheduled castes and scheduled tribes through policy measures and institutional network. Keeping in view the need and importance of the entrepreneurship development among under privileged communities in the present era of globalisation, the present study is undertaken to probe into the entrepreneurial process, problems and challenges faced by the SC/ST entrepreneurs and to make some possible suggestions.

Factors Affecting Housing Loan Decisions of Rural People in Kerala: A Study of Vellarikkundu Taluk in Kasaragod

Housing Finance plays a vital role as an engine of equitable economic growth through the reduction of poverty and prevents slum proliferation in economy. The demand for housing has increased rapidly day by day. Percentage of families owing house in India is 87 percent. The introduction of banking finance for housing purposes is a big boost to the customers and the economy. It is also linked with other industries like cement, steel, blue metal, and so on. The housing finance decisions of people in rural areas are influenced by a number of factors. They also were facing different problems while getting such loans. Interest rate of the loan varies from institution to institution, the period of repayment of loan ranges between 5 to 20 years and some enjoy tax benefit.

A Study on the Transport Behaviour of Cobalt (Co) in Mangroves

Mangroves are a unique habitat rich in biodiversity. They are known as the plant army of the land. Present study is an attempt to simulate the accumulation and transport behaviour of cobalt by mangroves in sewage sludge included soil. Plants found on such fields absorb heavy metals, which causes phyto-toxicity. This manuscript is based on the dynamic macroscopic numerical model for heavy metal movement. The model is applied for simulating cobalt transport by Common Derris (Derris trifoliate) and Sea Holly (Acanthus ilicifolius) using measured field information. The controlling non-linear differential equations are settled numerically utilizing MATLAB.

A Study on Financial Literacy among the College Students with Special Reference to Puttur Taluk

Financial literacy is increasingly important as it has become essential that individuals acquire the skills to be able to survive in the modern society and cope with the increasing diversity and complexity of financial product and services. Financial literacy  is  the education and  understanding of various financial areas including topics related to managing personal finance, money and investing. Financial literacy helps individuals become self-sufficient so that they  can  achieve financial  stability. Financial institutions, the student loan community, financial professionals and educators, and others have identified personal financial management education as a priority. This study examines the need for financial literacy programmes on college campus, and current students’ desires for these programs. The education and experience can have significant impact  on  the financial literacy  of  both  men  and women.  This paper seeks to examine the level of financial literacy among the students and analyze the saving habits influencing on their investment decisions. Both primary and secondary data has been used in this study. Convenient sampling  method is  used  in collecting  the  data and  this study surveys 30 college students belonging to Puttur area to examine their personal financial literacy. An attempt has also been made through this paper to understand the importance of financial literacy program and its importance in the curriculum.