Bhargava Degree College

Researches

A STUDY OF SOCIAL ADJUSTMENT OF ADOLESCENTS IN RELATION TO GENDER, LOCALE AND ACADEMIC ACHIEVEMENT. SHARVI SLATHIA LECTURER BHARGAVA DEGREE COLLEGE, SAMBA

Abstract This study investigates the social adjustment of adolescents in relation to gender, locale, and academic achievement. Adolescence marks a crucial period characterized by significant social, cognitive, and emotional adjustments, influencing long-term well-being and life outcomes. Drawing upon existing literature and theories of adolescent development, this research aims to explore how gender, locale (urban vs. rural), and academic achievement shape adolescents' social adjustment.

IMPACT OF DIGITAL TRANSFORMATION ON DEMOCRACY AND GOOD GOVERNANCE IN INDIA KUSHAL SINGH LECTURER, DEPARTMENT OF POLITICAL SCIENCE BHARGAVA DEGREE COLLEGE, SAMBA

Digital transformation has profoundly impacted democracy and good governance in India, fostering greater transparency, accountability, efficiency, and public participation. Initiatives like Digital India and the widespread adoption of digital technologies have revolutionized governance and democratic processes. In the realm of democracy, digital platforms have facilitated enhanced voter engagement, more efficient election management, and greater accessibility to government services. Social media has emerged as a powerful tool for political communication and civic mobilization, although it also presents challenges such as the spread of misinformation.

Analysis of Sulphur Dioxide Concentration in Central University of Jammu (Rahya Suchani) Campus Navita Verma Lecturer, Department of Evs, Bhargava Degree College, Samba

One major air pollutant that has a negative impact on both the environment and human health is sulfur dioxide (SO2). An analysis of the sulphur dioxide levels on the Central University of Jammu (Rahya Suchani) campus is presented in this abstract. The study's objectives are to measure the amount of SO2 pollution, locate probable sources, and analyze the effects of the pollution on the campus environment and the residents' health. In order to gather information on SO2 concentrations at different points on the university campus, the research makes use of quantitative measurements and environmental monitoring techniques. Data is gathered using specialized equipment that can measure SO2 in ambient air precisely. The study aims to investigate the temporal and spatial fluctuations in SO2 concentration, accounting for variables such as local pollution sources, automobile traffic, industrial processes, and weather patterns. The distribution patterns and locations of elevated SO2 pollution on campus are visualized by statistical analysis and spatial mapping approaches. The goal of this study's findings is to increase university stakeholders' knowledge of the level of SO2 pollution on the Central University of Jammu campus. Through the identification of pollutant sources and patterns, the study offers significant insights for the implementation of mitigation techniques and the promotion of a healthier campus environment.

Impact of Financial Literacy on individual investment decision: “A case study of J&K UT” Mr.Harish Sambyal Lecturer Bhargava Degree College, Samba

Financial literacy refers to the knowledge, skills, and ability of an individual to understand financial concepts and make informed decisions regarding personal finance. The impact of financial literacy on an individual's investment decision-making is significant, as it can help individuals make informed decisions and achieve their financial goals. Individuals who are financially literate are better equipped to understand the risks and potential returns of various investment options. They can also evaluate the suitability of different investment options based on their personal financial goals, risk tolerance, and time horizon. Financially literate individuals are more likely to diversify their investment portfolios and make informed decisions about asset allocation. In addition, financial literacy can help individuals avoid costly mistakes, such as investing in high-risk investments without fully understanding the potential downside. Financially literate individuals are more likely to avoid scams and fraudulent investments, which can result in significant financial losses. Overall, financial literacy is a crucial factor in an individual's investment decision-making process. It can help individuals make informed decisions, avoid costly mistakes, and achieve their financial goals. Therefore, it is essential for individuals to invest in their financial education and improve their financial literacy. In this proposal, researcher attempts to study the factors responsible for financial literacy on individual investment decision. The study is based on descriptive and exploratory style using primary data. The primary data is collected with the help of Google forum. Pie-chart presentation is used for the purpose for analyzing the data. The result of the survey shows that there exists a positive relationship on gender, qualification and occupation with respect to financial literacy to make efficient investment decision.

A Case Study of Customer Relationship Management in J&K Grameen Bank Samba of J&K Harish Sambyal Lecturer, Bhargava Degree College, Samba

This study aims at making contribution to the literature on understanding the relationship between customer relationship management, customer satisfaction and customer loyalty in context to J&K Grameen Bank. This study attempts to investigate the dimensions of customer relationship management (CRM) and Customer satisfaction (CS) that influence customer loyalty (CL). Today the banking sector is making significant contribution to the economic development and redefining the consumption habits of Indians. The constantly changing consumer attitudes and buying behavior is making it difficult for bankers and service providers to take their customers for granted. The highly demanding and knowledgeable consumers are compelling banks to stock a huge product range, offer attractive discounts, in an aesthetically set up environment and so on- all in the hope of having a loyal customer base. But high lead times, seasonal fluctuations, evolving consumer preferences are some of the issues creating a stiff completion in the business environment. So, banks and service providers have realized that it is very essential to work towards getting into customer relationship management programmes. For this, banks and service providers are working out ways to understand the opportunity and having preferences of individual customers that chart out strategies and programs so as to develop a base of loyal customers who will patronize the banks and service providers frequently. The study is based on descriptive and exploratory style using primary data.

A STUDY OF SOCIAL ADJUSTMENT OF ADOLESCENTS IN RELATION TO GENDER, LOCALE AND ACADEMIC ACHIEVEMENT. SHARVI SLATHIA LECTURER BHARGAVA DEGREE COLLEGE, SAMBA

IMPACT OF DIGITAL TRANSFORMATION ON DEMOCRACY AND GOOD GOVERNANCE IN INDIA KUSHAL SINGH LECTURER, DEPARTMENT OF POLITICAL SCIENCE BHARGAVA DEGREE COLLEGE, SAMBA

Analysis of Sulphur Dioxide Concentration in Central University of Jammu (Rahya Suchani) Campus Navita Verma Lecturer, Department of Evs, Bhargava Degree College, Samba

Abstract One major air pollutant that has a negative impact on both the environment and human health is sulfur dioxide (SO2). An analysis of the sulphur dioxide levels on the Central University of Jammu (Rahya Suchani) campus is presented in this abstract. The study's objectives are to measure the amount of SO2 pollution, locate probable sources, and analyze the effects of the pollution on the campus environment and the residents' health. In order to gather information on SO2 concentrations at different points on the university campus, the research makes use of quantitative measurements and environmental monitoring techniques. Data is gathered using specialized equipment that can measure SO2 in ambient air precisely. The study aims to investigate the temporal and spatial fluctuations in SO2 concentration, accounting for variables such as local pollution sources, automobile traffic, industrial processes, and weather patterns. The distribution patterns and locations of elevated SO2 pollution on campus are visualized by statistical analysis and spatial mapping approaches. The goal of this study's findings is to increase university stakeholders' knowledge of the level of SO2 pollution on the Central University of Jammu campus. Through the identification of pollutant sources and patterns, the study offers significant insights for the implementation of mitigation techniques and the promotion of a healthier campus environment.

Impact of Financial Literacy on individual investment decision: “A case study of J&K UT” Mr.Harish Sambyal Lecturer Bhargava Degree College, Samba

Abstract: Financial literacy refers to the knowledge, skills, and ability of an individual to understand financial concepts and make informed decisions regarding personal finance. The impact of financial literacy on an individual's investment decision-making is significant, as it can help individuals make informed decisions and achieve their financial goals. Individuals who are financially literate are better equipped to understand the risks and potential returns of various investment options. They can also evaluate the suitability of different investment options based on their personal financial goals, risk tolerance, and time horizon. Financially literate individuals are more likely to diversify their investment portfolios and make informed decisions about asset allocation. In addition, financial literacy can help individuals avoid costly mistakes, such as investing in high-risk investments without fully understanding the potential downside. Financially literate individuals are more likely to avoid scams and fraudulent investments, which can result in significant financial losses. Overall, financial literacy is a crucial factor in an individual's investment decision-making process. It can help individuals make informed decisions, avoid costly mistakes, and achieve their financial goals. Therefore, it is essential for individuals to invest in their financial education and improve their financial literacy. In this proposal, researcher attempts to study the factors responsible for financial literacy on individual investment decision. The study is based on descriptive and exploratory style using primary data. The primary data is collected with the help of Google forum. Pie-chart presentation is used for the purpose for analyzing the data. The result of the survey shows that there exists a positive relationship on gender, qualification and occupation with respect to financial literacy to make efficient investment decision.

A Case Study of Customer Relationship Management in J&K Grameen Bank Samba of J&K Harish Sambyal Lecturer, Bhargava Degree College, Samba

Abstract This study aims at making contribution to the literature on understanding the relationship between customer relationship management, customer satisfaction and customer loyalty in context to J&K Grameen Bank. This study attempts to investigate the dimensions of customer relationship management (CRM) and Customer satisfaction (CS) that influence customer loyalty (CL). Today the banking sector is making significant contribution to the economic development and redefining the consumption habits of Indians. The constantly changing consumer attitudes and buying behavior is making it difficult for bankers and service providers to take their customers for granted. The highly demanding and knowledgeable consumers are compelling banks to stock a huge product range, offer attractive discounts, in an aesthetically set up environment and so on- all in the hope of having a loyal customer base. But high lead times, seasonal fluctuations, evolving consumer preferences are some of the issues creating a stiff completion in the business environment. So, banks and service providers have realized that it is very essential to work towards getting into customer relationship management programmes. For this, banks and service providers are working out ways to understand the opportunity and having preferences of individual customers that chart out strategies and programs so as to develop a base of loyal customers who will patronize the banks and service providers frequently. The study is based on descriptive and exploratory style using primary data.