Opportunities and Challenges of Rural Areas of Maharashtra State
Opportunities and Challenges of Rural Areas of Maharashtra State
Opportunities and Challenges of Rural Areas of Maharashtra State
ISSN No:-2456-2165
After Covid-19 the education world has been changing very fast with drastic majorchanges in the research dimensions. UGC
and MHRD have launched many virtual platforms with online depositories, e-books and other online teaching/learning materials.
Combination of the traditional technologies’ with mobile/web technologies to a single platform with depositories would enhance
better accessibility and flexibility to education.
The main objectives of NEP 2020 clearly define the pivotal role in catalysing interdisciplinary /multi-disciplinary research
culture at UG level.
Students’ research at undergraduate and post graduate level is the key to success towards real life education. Implementation
of this student centric research requires establishment of the Academic Bank of Credits (ABC), a national level facility which will
be a bank for academic purposes with students as academic account holders. A minimum of 20 credits of the 160 credits in four
years undergraduate degree programmes will be earned via research activities according to guidelines prepared under NEP 2020.
Further, it will encourage and make it possible for all students to open an academic bank account to commute credits to
award any degree/research fellowship/certificates.
The ability to integrate classroom knowledge with practical problems is important to decide research problems of the real
world and to provide realistic solutions for the same. Four years Undergraduate bachelor’s degree programme objectives are
clearly defined in these directions. This calls for developing research experiences in students and developing system of offering
real life research projects with keen interest towards pursuing realistic research projects. Here role of research organisations,
higher institutions or research centre can support research internships as providers.
Keeping such ideas in mind, I feel humbled to bring out the Third students special Issue of our reputed E-Journal “MMK:
ACE”, including research papers for the first time from students’ community at various undergraduate, post graduate and
Doctoral level Programmes of our College. This volume develops the fact finding empirical approach among students community
at higher education.
I extend my sincere gratitude to the Management of H.S.N.C. Board and our respected Principal Prof. Dr. CA Kishore
Peshori for their constant support and motivation towards a strong Research foundation.
Finally, a big thank you to the Peer-reviewers and Publishing House for helping us in publishing this E-Journal. I invite
feedback and suggestions from our Readers, Researchers and Academicians for further improvement in our E-Journal “MMK:
ACE”.
It brings me immense joy and pride to witness the continued growth of SMT. M.M.K. College, especially in the realm of
research, as evidenced by the expansion of our esteemed Research Centre in Commerce (Business Policy & Administration) and
the recent approval in Accountancy.
I extend my heartfelt gratitude to the dynamic editorial team, led by Dr. Aashish Jani, Vice Principal, for their unwavering
commitment and dedication to advancing the cause of research at our institution. Their tireless efforts have played a pivotal role in
steering our academic community toward the frontiers of knowledge.
In the spirit of our rich cultural heritage, I am pleased to include a Sanskrit shloka in this research endeavour, symbolizing
the fusion of tradition and progress in our scholarly pursuits:
The present focus on student-centric research in this Third edition of MMK: ACE is indeed a commendable initiative taken
at the opportune moment. It reflects our collective commitment to nurturing the research acumen of our students, a vital aspect of
our academic mission.
I express my sincere appreciation to the Research Committee, whose proactive approach has not only fostered the
development of new faculty but has also provided a platform for meaningful research at both undergraduate and postgraduate
levels. The previous volumes of MMK: ACE have been well-received by the academic community, and I am confident that this
edition, emphasizing student research, will further elevate our standing.
Kudos to the editorial team for curating diverse themes that delve into various facets of the Economy and Education sector. I
extend my appreciation to the Course Coordinators, specialized students, academicians, research guides, and scholars whose
valuable contributions have enriched the content of this journal.
I applaud the continuous efforts of the editorial board in cultivating and promoting a robust Research Culture across all
multidisciplinary programs. Your dedication is instrumental in inspiring our faculty and students to embrace the role of
researchers and critical thinkers.
As we embark on this intellectual journey through the pages of MMK: ACE, I wish the entire team the very best. May the
ideas shared in this volume pave the way for positive outcomes and catalyze many more students and teachers to embark on the
rewarding path of research and scholarly exploration.
IJISRT23JAN439 Opportunities and Challenges of Rural Areas of Dr. Jayesh K. Rana &
(PH.D. ACCOUNTANCY) Maharashtra State Ms. Bhavana T. Shinde
IJISRT23JAN051 A Study On Financial Risk Management Specifying Dr. Jayesh K. Rana &
(PH.D. ACCOUNTANCY) Incomplete Construction Projects In Real Estate Anil N. Tike
IJISRT23DEC1003 (PH.D. A study on the perception of Indians towards Gold as the Dr. Jayesh K. Rana &
ACCOUNTANCY) Safest Alternative Ms. Rachel George
IJISRT23DEC240 A Study on Tata Technology IPO Dr. Jayesh K. Rana & Mr.
(PH.D. ACCOUNTANCY) Bhavesh Dilip Khanted
IJISRT22NOV026 A Study On The Growth of Mutual Fund Industry In Ms. Harsha Hardasani &
(B.F.M.) India From Period 2017-22 Mr. Vinay Bafna
CONTENTS
IJISRT22DEC1503 A Study On Consumer Behavior Towards Buying Electric Prof. Vishal R. Tomar &
(PH.D. Vehicle In KDMC Ms. Jyotsana Suraj Agarwal
COMMERCE)
IJISRT23DEC247 Unleashing Potential: Navigating Opportunities And Prof. Vishal R. Tomar & Mr.
(PH.D. Challenges In India's Evolving Gig Economy Ravi Rakesh Singh
COMMERCE)
CONTENTS
RESEARCH PAPERS & ARTICLES ON ECONOMICS
Abstract:- Ample opportunities are provided by E-finance – proving financial services electronically
technology to empower more and more individuals each E-banking – providing banking services and products
day and grow endlessly. In the Indian economy banking electronically
sector is playing an important role, banking sectors come Services and Products offered by E-banking
in electronic ways that is e-banking, E-Commerce, etc. Mobile Banking
E-banking services offer by entire banking sectors to Automated Teller Machines (ATM)
their customer for easy access, transparency, saving of Internet Banking
time, etc Indian banking sectors are connecting people NEFT / RTGS (Electronic fund transfer)
from anywhere with the help of E-banking while Debit Card and Credit Card
providing E-services in Rural areas banks are facing Tele Banking
some issues regarding the same. The present paper Registering and payments of utilities bills.
describes the study of opportunities and challenges faced
Purchasing and selling of investments.
by Rural Bank in Maharashtra due to e-banking.
Other financial services and products: Insurance, online
Keywords:- E-Banking, Rural Bank.
broking, etc.
I. INTRODUCTION
II. RESEARCH METHODOLOGY
The Regional Rural Banks were established in 1975
A. Research Design
with the aim of developing the rural economy, for the
The study has been based on secondary data. This
purpose of developing agriculture, trade, commerce,
exploratory research is based on secondary data from the
industry, and other productive activities in the rural areas.
Net, books, and related journals.
Presently there are 43 RRBs in India.
B. Objectives of the study
Govt of India vide its notification dated 25 March
To study of availability and accessibility of the various
2008 amalgamated the two RRBs i.e. Aurangabad Jalna
e-banking facilities
Garmin Bank & Thane Gramin Bank into a single RRB
named Maharashtra Godavari Gramin Bank. To study the awareness of customers of the E-banking
Maharashtra Gramin Bank came into existence on 20 July facilities available
2009 after the amalgamation of erstwhile Maharashtra To study effective the use of E-banking facilities
Godavari Gramin Bank and Marathawada Gramin To know the role of banking technology in rural
Bank. Bank of Maharashtra is the sponsored bank Maharashtra
Webology:
[9]. http://www.ibef.org
[10]. http:// www.bis.org
[11]. http://https://www.mahagramin.in/
[12]. https://wikipedia.org
[13]. http://rbi.org
[14]. https://financialservices.gov.in
[15]. https://geniusee.com/single-blog/digital-banking-trends