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The National Research journal of Human Resource Management (NRJHRM) ISSN: 2394-059X is a Biannual Peer-reviewed journal devoted to the publication of scholarly conceptual/theoretical articles pertaining to human resource management and allied fields (e.g. organizational behavior, industrial/organizational psychology, labor relations). Meta-analytical reviews that make a conceptual/theoretical contribution are also appropriate. It will focus on issues of function and process, preferably addressed at the micro (i.e., individual and group) level. However, the journal will also consider papers at the macro (organizational and societal) level of analysis. Its purpose is to provide a forum for ideas that will stimulate and lead to empirical research, as well as for the critical examination of existing concepts, models, and frameworks. Subject areas considered appropriate include, but are not limited to, personnel selection, compensation, performance appraisal, attraction and retention, training and development, human resource applications of computer technology, and human resource planning. All published research articles in this journal have undergone rigorous peer review, based on initial editor screening and anonymous refereeing by independent expert referees.

  • The Journal is Published By "National Press Associates"
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  • Journal Name: National Research Journal of Human Resource Management
  • ISSN: 2394-059X
  • Impact Factor: 7.25
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  • Frequency of Publication: Biannual (2 Issues Per Year)
  • Languages: English
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Interested in submitting to this journal? We recommend that you review the About the Journal page for the journal's section policies, as well as the Author Guidelines.

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Current Issue

Year: 2025   Volume No: 12, Issue No: 2, Year: 2025

Paper Title DIVERSIFYING BEYOND THE FIELDS: A REVIEW OF EMPLOYMENT PATTERNS IN THE RURAL NON-FARM SECTOR
Paper Type
Author Name Naveen Sharma
Country India
DOI https://doi.org/10.5281/zenodo.16676721
Page No. 1-11

Abstract View PDF Download Certificate
DIVERSIFYING BEYOND THE FIELDS: A REVIEW OF EMPLOYMENT PATTERNS IN THE RURAL NON-FARM SECTOR
Author: Naveen Sharma

ABSTRACT
The rural non-farm sector (RNFS) has grown significantly over the past few decades,
evolving into a vital component of rural livelihoods across developing countries, especially in
India. This paper presents a systematic review of key studies exploring employment
diversification in the RNFS, highlighting patterns, determinants, and implications for rural
development. The literature reveals a complex interplay of pull and push factors—including
declining farm profitability, urban proximity, education, caste, gender, and infrastructure—
that shape participation in non-farm employment. While some studies emphasize the role of
RNFS in reducing rural poverty and unemployment, others point to structural inequalities and
regional disparities in access and outcomes. Despite the growing policy focus on rural
transformation, major empirical gaps remain concerning occupational preferences, earnings,
and time use within the RNFS. This review concludes by identifying critical directions for
future research and policy, particularly the need for region-specific evidence and inclusive
employment strategies.
Keywords: Rural Non-Farm Sector (RNFS), Employment Diversification, Rural
Livelihoods, Non-Farm Employment, Rural Development

Paper Title DEBT MANAGEMENT AMONG INTERNATIONAL STUDENT MIGRANTS: A STUDY ON EDUCATIONAL LOANS IN PATHANAMTHITTA DISTRICT
Paper Type
Author Name Roni Jain Raju
Country India
DOI https://doi.org/10.5281/zenodo.16812436
Page No. 12-18

Abstract View PDF Download Certificate
DEBT MANAGEMENT AMONG INTERNATIONAL STUDENT MIGRANTS: A STUDY ON EDUCATIONAL LOANS IN PATHANAMTHITTA DISTRICT
Author: Roni Jain Raju

ABSTRACT
With the increasing popularity of studying abroad, a large number of students require loans.
This research paper looks into the socio-economic determinants of the loan amount accessed
alongside the financial burdens faced during repayment. A sample of student migrants, 100 in
total, were surveyed, from which multiple regression analysis was carried out on ten socioeconomic variables. The study's socio-economic outcome measures reported no significant
association between the chosen socio-economic measures and the loan amount accessed. The
results indicate that even though educational loans serve as a major funding source, students
face financial hardships during their academic programs due to high interest rates, low
income, and post-graduation employment opportunities. A significant number of respondents
reported managing their monthly cash flow especially with loan repayments was challenging,
leading to significant financial stress that negatively impacted their academic performance.
While respondents demonstrated a basic understanding of debt management and repayment
options, access to formal financial counselling was limited, leaving students to devise their
own stress alleviating mechanisms. The study recommends these respondents were partnered
with employers, increasing access to part time jobs, improving overall employment
opportunities.
Keywords: International Student Migration, Educational Loans, Debt Management,
Socio-Economic Factors

Paper Title MEASURE UP THE EMPLOYEES’ PERFORMANCE – LEARNING AND GROWTH OPPORTUNITIES IN SERVICE SECTOR – A COMPARATIVE STUDY
Paper Type
Author Name Meher Sekhon & Savita Nanda
Country India
DOI https://doi.org/10.5281/zenodo.16901334
Page No. 19-26

Abstract View PDF Download Certificate
MEASURE UP THE EMPLOYEES’ PERFORMANCE – LEARNING AND GROWTH OPPORTUNITIES IN SERVICE SECTOR – A COMPARATIVE STUDY
Author: Meher Sekhon & Savita Nanda

ABSTRACT
The Performance Measurement System becomes comprehensive when levels of learning and
growth are measured. In banking sector, it is utmost important parameter to evaluate the
performance of the employee through learning and growth perspective, which can further
help to take decisions regarding promotions, increments and performance linked pay scales.
The comprehensive data/ facts provided by the performance measurement system allows the
banks to underpin the strategies and practices for taking decisions regarding career profiles
and availability of opportunities for employees‟ upgradation in future too. The transparency
in the system helps the banks to frame and revise the strategies and programs as per the
requirements. Measures of central tendency such as mean, standard deviation etc. were
calculated to study the nature and distribution of items in the dimension of learning and
growth perspectives. The Correlation Analysis was used to evaluate the relationship between
employees‟ experience and their levels of learning and growth opportunities in the existing
organisation. Appropriate performance measures are integral part of the banking sector and of
course essential for the employees too. Therefore, it is essential to understand the value of
„Learning and Growth‟ perspective in service sector.
Keywords: Employees‟ performance Measurement, Knowledge distribution, Knowledge
interpretation, Internal acquisition of knowledge, External acquisition of knowledge,
Organizational memory, Growth dimension, Correlation Analysis.

Paper Title ENHANCING RURAL HEALTHCARE ACCESS AND SERVICES THROUGH DIGITAL HEALTH INNOVATIONS
Paper Type
Author Name Ankita Chaudhari & Khushboo Sharma
Country India
DOI https://doi.org/10.5281/zenodo.16932466
Page No. 27-38

Abstract View PDF Download Certificate
ENHANCING RURAL HEALTHCARE ACCESS AND SERVICES THROUGH DIGITAL HEALTH INNOVATIONS
Author: Ankita Chaudhari & Khushboo Sharma

ABSTRACT
In the contemporary era, digital health solutions have emerged as a transformative force in
the healthcare sector, particularly in rural areas where access to quality medical services
remains a critical challenge (Sharma, 2021). The integration of digital health technologies,
including telemedicine, mobile health (mHealth), electronic health records (EHRs), and
artificial intelligence-driven diagnostics, has significantly enhanced healthcare accessibility,
affordability, and efficiency (Patel & Gupta, 2022). This research paper explores the role of
digital health solutions in improving healthcare access and delivery in rural settings,
analyzing both the opportunities and challenges associated with their implementation (Jones
et al., 2020).
Rural populations across the globe suffer from inadequate healthcare infrastructure, a
shortage of medical professionals, and logistical barriers that hinder timely medical
intervention (Green & White, 2020). Digital health technologies offer innovative solutions to
bridge these gaps by providing remote consultations, health monitoring, and data-driven
decision-making tools that empower both patients and healthcare providers (Kim & Park,
2021). Telemedicine platforms, for instance, have revolutionized patient care by enabling
virtual consultations with specialists, thereby reducing the need for physical travel and
minimizing the burden on overburdened healthcare facilities (Johnson & Kumar, 2020).
Similarly, mobile health applications facilitate real-time health tracking, patient education,
and medication adherence, thereby improving health outcomes in resource-constrained
environments (Singh & Kapoor, 2022).
Keywords: Digital Health, Telemedicine, Rural Healthcare, M-Health, Artificial Intelligence
in Healthcare

Paper Title UNDERSTANDING THE LINK BETWEEN PSYCHOLOGICAL CONTRACT FULFILMENT AND EMPLOYEE COMMITMENT: A MEDIATED MODEL APPROACH
Paper Type
Author Name Jasleen Kaur
Country India
DOI https://doi.org/10.5281/zenodo.16982517
Page No. 39-52

Abstract View PDF Download Certificate
UNDERSTANDING THE LINK BETWEEN PSYCHOLOGICAL CONTRACT FULFILMENT AND EMPLOYEE COMMITMENT: A MEDIATED MODEL APPROACH
Author: Jasleen Kaur

ABSTRACT
This study investigates the influence of psychological contract dimensions on organizational
commitment, with job satisfaction as a mediating variable, among faculty members in higher
education institutions in Punjab. Drawing on data from 431 respondents across six
universities, the research examines five psychological contract dimensions: transactional,
training and development, relational, balanced, and socio-emotional fulfilment. Results from
structural equation modelling reveal that all dimensions except socio-emotional fulfilment
significantly impact both job satisfaction and employee organizational commitment. Job
satisfaction also significantly mediates the relationships between most psychological contract
dimensions and organizational commitment. However, socio-emotional fulfilment did not
show a significant direct or indirect effect. The findings underscore the importance of
balanced obligations, developmental support, and relational trust in strengthening faculty
commitment. The study highlights job satisfaction as a key mechanism linking psychological
contracts to organizational outcomes and provides actionable insights for higher education
institutions aiming to enhance faculty engagement and retention.

Paper Title MEDICAL TOURISM IN INDIA: A CATALYST FOR ATTAINING SUSTAINABLE DEVELOPMENT
Paper Type
Author Name Dipak Kundu, Surya Narayan Ray & Nilendu Chatterjee
Country India
DOI https://doi.org/10.5281/zenodo.17019919
Page No. 53-59

Abstract View PDF Download Certificate
MEDICAL TOURISM IN INDIA: A CATALYST FOR ATTAINING SUSTAINABLE DEVELOPMENT
Author: Dipak Kundu, Surya Narayan Ray & Nilendu Chatterjee

ABSTRACT
Medical tourism has emerged as a significant contributor to India's healthcare and tourism
sectors, offering a unique blend of high-quality, cost-effective medical services to patients
from around the world. This paper explores the role of medical tourism in India as a catalyst
for achieving sustainable development. By examining the economic, social, and
environmental impacts of medical tourism, the paper highlights its potential to contribute to
the United Nations Sustainable Development Goals (SDGs), particularly in areas such as
economic growth, healthcare accessibility, and infrastructure development. The paper also
addresses the challenges and barriers that must be overcome to ensure the sustainable growth
of medical tourism in India. Through a comprehensive analysis of existing literature, this
study provides insights into the opportunities and obstacles associated with medical tourism
in India and offers recommendations for leveraging this sector to achieve sustainable
development.
Keywords: tourism, medical tourism, sustainable Development, Economic Growth, Indian
Economy

Paper Title GENDER PARITY AND SUSTAINABLE DEVELOPMENT GOALS IN INDIA: A SOCIOECONOMIC ANALYSIS
Paper Type
Author Name Rakesh Thakur & Mannat Brar
Country India
DOI https://doi.org/10.5281/zenodo.17189634
Page No. 60-68

Abstract View PDF Download Certificate
GENDER PARITY AND SUSTAINABLE DEVELOPMENT GOALS IN INDIA: A SOCIOECONOMIC ANALYSIS
Author: Rakesh Thakur & Mannat Brar

ABSTRACT
This paper examines the complex intersection of gender parity and Sustainable Development
Goals (SDGs) in India through an integrated socioeconomic lens. Despite India's impressive
economic growth and constitutional commitments to equality, gender disparities persist
across multiple domains, presenting significant challenges to achieving SDG 5 (Gender
Equality) and related goals. The paradoxical decline in women's labour force participation—
from 30.3% in 1990 to 20.3% in 2023—during a period of substantial economic expansion
and educational gains exemplifies the multidimensional nature of gender inequality in the
Indian context. This analysis employs an interdisciplinary theoretical framework drawing
from feminist economics, capability approach, and intersectionality theory to illuminate how
sociocultural factors interact with economic structures to shape gender outcomes. The paper
identifies critical disparities in education, health, workforce participation, and asset
ownership, highlighting significant regional variations and implementation gaps in policy
frameworks. Economically, closing India's gender gap in labour force participation could add
approximately $700 billion to the country's GDP, while addressing disparities in access to
finance, land ownership, and care infrastructure would yield additional dividends across
multiple development indicators. However, conventional economic metrics often fail to
capture the full value of gender equality investments, particularly regarding unpaid care work
estimated at 40% of India's GDP if monetized. The findings demonstrate that effective
interventions must simultaneously address both economic barriers and social norms through
coordinated policy approaches. This paper concludes that achieving gender parity in India
requires recognizing it not as a peripheral "women's issue" but as a fundamental development
challenge with profound implications for the entire society and economy. The
recommendations emphasize strengthening implementation mechanisms, expanding women's
asset ownership, investing in care infrastructure, ensuring women's safety and mobility,
promoting inclusive digitalization, and developing gender-responsive data systems to support
evidence-based policymaking.
Keywords: Gender parity, Sustainable Development Goals, labour participation,
intersectionality, capability approach, feminist economics

Paper Title DO INDIAN BANKS EMBRACE VASUDHAIVA KUTUMBAKAM IN CULTURAL DIVERSITY MANAGEMENT?
Paper Type
Author Name Sukhdeep Kaur, Poonam
Country India
DOI https://doi.org/10.5281/zenodo.17225810
Page No. 69-84

Abstract View PDF Download Certificate
DO INDIAN BANKS EMBRACE VASUDHAIVA KUTUMBAKAM IN CULTURAL DIVERSITY MANAGEMENT?
Author: Sukhdeep Kaur, Poonam

ABSTRACT
Vasudhaiva Kutumbakam is comprised of two Sanskrit words – ―Vasudha,‖ meaning earth,
and ―Kutumbakam‖ meaning family. It means ―the whole world is one single family.‖The
concept is derived from the ancient Indian text Maha Upanishad, part of the Vedic scriptures
dating back over 3000 years.
In the present era of globalization where the whole world has become a global village,
concept becomes highly relevant. Organizations demand human resources with diverse
cultural orientations and in order to foster an inclusive and productive work environment and
it is very evident to manage and satisfy the interest of people from varied backgrounds and
principles of Vasudeva Kutumbkam aligns with these objectives. This study examines
whether three leading Indian banks—HDFC Bank, ICICI Bank, and Axis Bank—adhere to
the principles of Vasudhaiva Kutumbakam in their cultural diversity management practices.
Each of these banks functions in a fast-paced and competitive landscape, where the
management of human resources is essential for ensuring operational efficiency and
enhancing customer satisfaction. Primary data was collected using a structured questionnaire
from 80 employees working at these banks. Various statistical techniques including Factor
Analysis and One Way ANOVA were used for the analysis on SPSS software.

Paper Title IMPACT OF FDI INFLOWS AND AGRICULTURAL EXPORTS ON ECONOMIC GROWTH IN INDIA: A POST REFORM ANALYSIS
Paper Type
Author Name Umang Bhutani, Vaishali Chhabra
Country India
DOI https://doi.org/10.5281/zenodo.17233839
Page No. 85-94

Abstract View PDF Download Certificate
IMPACT OF FDI INFLOWS AND AGRICULTURAL EXPORTS ON ECONOMIC GROWTH IN INDIA: A POST REFORM ANALYSIS
Author: Umang Bhutani, Vaishali Chhabra

ABSTRACT
This study explores the influence of Foreign Direct Investment (FDI) inflows on India's
agricultural exports and economic growth, using an econometric approach. By using data
from the year 1991 to 2022 which was obtained from the World Bank Indicators, Reserve
Bank of India (RBI), World Integrated Trade Solution (WITS), and International Trade
Centre (ITC), the research aims to deduce the long-run relationship between FDI inflows,
agricultural exports, and Economic growth in the country. FDI as well as Agricultural Exports
are hypothesised to positively influence Economic development in India. The analysis uses
the Autoregressive Distributed Lag (ARDL) model to inspect the long-run equilibrium
between the variables. The results indicate a positive and statistically significant relationship
between the variables. This suggests that increased inflows into the country along with
agricultural exports have fostered economic development in India. The study provides
empirical evidence of the benefits of agricultural exports and the inflow of overseas funding
for India's economic well-being, highlighting the importance of policies that attract foreign
investment to enhance agricultural productivity and competitiveness.
Keywords- Economic Growth, Economic Reforms, Agriculture Exports, FDI, ARDL, India.

Paper Title THE GLASS CEILING EFFECT IN MANAGEMENT OF THE PRIVATE EDUCATION SECTOR IN RAJASTHAN: A CONCEPTUAL PAPER WITH REFERENCE TO A CASE STUDY
Paper Type
Author Name Akanksha Kumari
Country India
DOI https://doi.org/10.5281/zenodo.17275210
Page No. 95-104

Abstract View PDF Download Certificate
THE GLASS CEILING EFFECT IN MANAGEMENT OF THE PRIVATE EDUCATION SECTOR IN RAJASTHAN: A CONCEPTUAL PAPER WITH REFERENCE TO A CASE STUDY
Author: Akanksha Kumari

ABSTRACT
This conceptual paper examines the glass ceiling phenomenon within management structures
of the private education sector in Rajasthan, India. Using extant theory on gendered
organizational barriers and social capital, it develops a conceptual framework that links
structural, cultural, and individual-level factors to the persistence of invisible barriers to
women‘s advancement into senior management and leadership in private schools and
colleges. The paper illustrates the framework with a focused case study of a representative
private school in Jaipur (presented as a composite case drawn from field-like observations
and common patterns reported across the region). It analyses systemic contributors —
recruitment and promotion practices, informal networks, work–family interface, gendered
expectations, and institutional policies — and proposes actionable interventions for policy
makers, institutional leaders, and civil society. Finally, it outlines directions for empirical
research and evaluation to test the framework in Rajasthan‘s private education context.
Keywords: glass ceiling, private education, Rajasthan, gender equality, organizational
culture, leadership, case study

Paper Title IMPACT OF ANIMAL EXPORTS ON ECONOMIC GROWTH: WITH SPECIAL REFERENCE TO INDIA
Paper Type
Author Name Umang Bhutani
Country India
DOI https://doi.org/10.5281/zenodo.17275439
Page No. 105-114

Abstract View PDF Download Certificate
IMPACT OF ANIMAL EXPORTS ON ECONOMIC GROWTH: WITH SPECIAL REFERENCE TO INDIA
Author: Umang Bhutani

ABSTRACT
Agriculture sector contributes a significant share in the national income of developing
countries, despite of the growth of other sectors much more than agriculture sector like
service and industry it is still be the backbone of the developing countries. Here, animal
exports (Independent variable) consist of five products as per HS-2 digits coding such as live
animals (01), meat and edible meat offal (02), Fish and crustaceans, molluscs and other
aquatic invertebrates (03), Dairy produce; birds'' eggs; natural honey; edible products of
animal origin, not elsewhere specified or included (04), Animal originated products; not
elsewhere specified or included (05) as per the data availability from the official site that is
WITS. As agricultural exports being the important products, this study intends to show the
relationship between animal exports with the Gross Value Added (GVA) of India for the time
period 1988 to 2021. The data is collected from World Integrated Trade Solutions (WITS)
and the official site of World Bank and it used Autoregressive Distributive Lag Model
(ARDL) and Error Correction Form to check the existence of long-term and short-term
relationship between the variables. The findings of the study revealed that the animal exports
have a significant and positive impact on the Gross Value Added (GVA) in the long run while
the results from Error Correction Form posits that there is no short-run relationship between
the variables.
Keywords- Animal Export, Agricultural Exports, ARDL, Economic Growth, GVA.

Paper Title ROLE OF YOGA PRACTICES IN THE MANAGEMENT DIGITAL POLLUTION
Paper Type
Author Name Chintaharan Betal
Country India
DOI https://doi.org/10.5281/zenodo.17300328
Page No. 115-126

Abstract View PDF Download Certificate
ROLE OF YOGA PRACTICES IN THE MANAGEMENT DIGITAL POLLUTION
Author: Chintaharan Betal

INTRODUCTION
The „Digital Pollution‟ is an emerging concept that denotes the negative environmental,
social and health impacts arising from the rapid expansion and use of digital technologies
across the globe. According to Safdie (2024), “Digital pollution refers to the environmental
impact created as a result of multivarious digital activities, such as via e-waste,
manufacturing processes and energy consumption with data centres or smart devices. It
serves as an umbrella term for the emissions created from all digital products and services,
not just those related to direct internet use.” Fransen (2023) stated that "Digital pollution is an
umbrella term that encapsulates the environmental impact of the digital world. It manifests in
electronic waste (e-waste), excess data storage, the energy consumption of digital platforms
and the carbon footprint of the entire digital industry." Indeed, electronic devices, computers,
smartphones and servers consume energy to operate and store data, which can contribute to
air and water pollution. The use of these technologies generates electronic waste that is
difficult to recycle and contributes to polluting the planet earth (Circular Place, 2023). Unlike
traditional forms of pollution that are readily visible such as air, water or soil contamination,
digital pollution is often overlooked due to its largely imperceptible nature.
The manufacturing phase of information technology (IT) equipment alone is responsible for
significant energy consumption which account for up to 29% and contributes extensively to
greenhouse gas emissions, water usage and resource depletion. Furthermore, every digital
action, such as sending an email or performing an internet search are directly linked with
carbon footprint. Globally, the digital technologies are responsible for nearly 4% of
greenhouse gas emissions (M‟baye, 2025). Digital technology consumes about 10% of the
world‟s electricity and emits approximately 4% of global greenhouse gases (GHGs),
comparable to the aviation industry. These impacts were expected to be double or triple by
2030, if no mitigating action is taken. The digital sector's share of global carbon emissions is
forecasted to reach 7-9% by 2025, making it a significant contributor to climate change. The
production phase of digital hardware, such as smartphones, accounts for nearly 40% of its
carbon footprint with 80% generated before the device is even used (Flinch, 2025).
Major companies like Amazon, Microsoft, Meta and Google have reported emission
increases of over 140%-180% from 2020 to 2023 driven by AI and data centre demands
(Deepshikha Singh, 2025). According to Environmental Impact Analysis by Wedia Group and
Others (2023-2024), digital technologies accounted for 4% of global greenhouse gas
emissions in 2023 and were projected to increase to 8% by end of 2025 due to the rise in 5G
and data-heavy applications. The average internet user‟s digital activity, including emails,
streaming and browsing, contributes significantly to the carbon footprint e.g., a single Google
search can emit between 0.2 to 1.45 grams of CO2. By 2037, if trends continue unchecked,
global electricity demand from digital technologies could exceed current global electricity
production (Wedia Group, 2023 and Greenly Earth, 2024).National Research Journal of Human Resource Management ISSN: 2349-059X
Volume No: 12, Issue No: 2, Year: 2025 (July-December) Peer Reviewed & Refereed Journal (IF: 7.25)
PP: 115-126 Journal Website www.nrjhrm.in
Published By: National Press Associates Page 116
© Copyright @ Authors
The above statistical data highlighted that digital pollution is a rapidly mounting day-by-day
and have emerged as one of the most complex sustainability challenges of contemporary
period. Hence, the study of ‘digital pollution’ has now become crucial in the 21st century as
the world striving for technological progress while also seeking environmental sustainability
and mental well-being.

Paper Title USING HR ANALYTICS TO IDENTIFY CAUSES OF EMPLOYEE TURNOVER
Paper Type
Author Name I Mohana Krishna, Repaka Hema Harmisha & Jangala Jyothika
Country India
DOI https://doi.org/10.5281/zenodo.17311674
Page No. 128-133

Abstract View PDF Download Certificate
USING HR ANALYTICS TO IDENTIFY CAUSES OF EMPLOYEE TURNOVER
Author: I Mohana Krishna, Repaka Hema Harmisha & Jangala Jyothika

ABSTRACT
Employee turnover remains one of the most significant challenges confronting modern
organizations, as it directly influences productivity, customer satisfaction, and financial
performance. This study explores how Human Resource (HR) analytics can be effectively
leveraged to identify the underlying causes of employee turnover and develop data-driven
retention strategies. Using a simulated dataset of 500 employees, this research applies
descriptive statistics, data visualization, and predictive modelling to examine the effects of
employee engagement, tenure, overtime, promotions, and managerial effectiveness on
turnover. The findings reveal critical turnover predictors and provide actionable
recommendations for HR practitioners to enhance retention outcomes.
Keywords: HR Analytics, Employee Turnover, Predictive Modelling, Retention,
Engagement, Manager Effectiveness, Data Visualization

Paper Title CONSEQUENCES OF PERSONALIZATION ACROSS BANKING PRODUCTS ON CUSTOMER RETENTION
Paper Type
Author Name Anthony Gruze Thangaraj. J, Uma Parameswari. K, Harini . I & Reena A
Country India
DOI https://doi.org/10.5281/zenodo.17337660
Page No. 134-142

Abstract View PDF Download Certificate
CONSEQUENCES OF PERSONALIZATION ACROSS BANKING PRODUCTS ON CUSTOMER RETENTION
Author: Anthony Gruze Thangaraj. J, Uma Parameswari. K, Harini . I & Reena A

ABSTRACT
Customer retention in the highly competitive banking environment turns a key factor for long
term profitability and growth of the sector. The study focused around exploring the
personalization in banking products and increasing customer loyalty services.
Personalization of banking services examines the inter relationship between five dimensions,
product personalization, Communication Personalization, Service Personalization and
Digital Personalization. The study adopts a quantitative, descriptive and causal research
design to explore the impact of products personalization and customer retention in the Indian
banking sector. Structured questionnaire is used for data collection and validated with scales
from existing literature. Data was collected from 549 respondents by combination of online
and questionnaire mixed model approach is adopted for wider reach and inclusivity and nonprobable purposive sampling technique is adopted. Statistical tools like descriptive statistics,
reliability analysis by Cronbach’s Alpha assessed for internal consistency and validated.
Subsequently correlation analysis was conducted to explore relationship among the variables.
Key words: personalization, Banking products, Customer retention and Tailored banking
experience

Paper Title THE INVISIBLE BATTLE: GENDER SPECIFIC CHALLENGES IN STARTUP ECOSYSTEMS AND WOMEN’S STRATEGIES TO OVERCOME THEM
Paper Type
Author Name Veerapaneni Madhu Latha, Veerla Sarupya Sri Sravani, Phani Manjusha Goparaju, Mallidi Shamita Reddy & Bolla Deepak
Country India
DOI https://doi.org/10.5281/zenodo.17356129
Page No. 143-145

Abstract View PDF Download Certificate
THE INVISIBLE BATTLE: GENDER SPECIFIC CHALLENGES IN STARTUP ECOSYSTEMS AND WOMEN’S STRATEGIES TO OVERCOME THEM
Author: Veerapaneni Madhu Latha, Veerla Sarupya Sri Sravani, Phani Manjusha Goparaju, Mallidi Shamita Reddy & Bolla Deepak

ABSTRACT
Women entrepreneurs face a unique set of challenges within startup ecosystems that are often
overlooked in mainstream narratives. This paper explores the gender-specific barriers faced
by women, including access to funding, networking gaps, cultural stereotypes, and work-life
balance struggles. It investigates how these challenges affect business growth and
entrepreneurial sustainability. The paper also examines strategies women adopt to overcome
these barriers such as leveraging women-centric networks, embracing digital tools,
mentorship, and policy advocacy. By analyzing literature and real-world examples, the study
aims to highlight not only the invisible battles women fight but also their resilience and
innovative approaches to succeed in entrepreneurial ecosystems.
Keywords: Women entrepreneurship, startup ecosystem , gender barriers, mentorship ,worklife balance

Paper Title HARNESSING BUSINESS ANALYTICS FOR EFFECTIVE HEALTHCARE MANAGEMENT: A DATA-DRIVEN APPROACH
Paper Type
Author Name Y. Kanaka Durga, P. Neelima, M. Pranathi, T. Mohana Sri & B. Srikantha
Country India
DOI https://doi.org/10.5281/zenodo.17385209
Page No. 146-150

Abstract View PDF Download Certificate
HARNESSING BUSINESS ANALYTICS FOR EFFECTIVE HEALTHCARE MANAGEMENT: A DATA-DRIVEN APPROACH
Author: Y. Kanaka Durga, P. Neelima, M. Pranathi, T. Mohana Sri & B. Srikantha

ABSTRACT:
Analytics plays a vital role in the healthcare sector by turning large volumes of data into
meaningful information. Hospitals and clinics collect massive data from electronic health
records, medical devices, and administrative systems, and business analytics helps make
sense of it. Through techniques like predictive, prescriptive, and descriptive analysis,
healthcare organizations can identify patients at risk, suggest suitable treatments, and
improve the overall quality of care. Tools such as machine learning and data visualization
also help in better resource management, emergency planning, and offering more
personalized healthcare services. In this way, analytics not only supports patient well-being
but also ensures smoother operations and stronger financial outcomes.
At the same time, using analytics in healthcare faces some challenges. Data privacy, scattered
information, and a shortage of trained professionals remain big hurdles. To overcome these,
proper data management, clear standards for sharing information, and staff training are
essential. Despite these difficulties, business analytics continues to be a game-changer in
healthcare. It encourages innovation, efficiency, and sustainability in the long run. Looking
ahead, future studies must also address the ethical use of analytics and explore how
technologies like artificial intelligence can further improve healthcare management and
patient outcomes.
Keywords: Healthcare Management, Bu

Paper Title HUMAN CAPITAL AND BEHAVIORAL DRIVERS IN AGRICULTURAL DIVERSIFICATION: EXAMINING FARMER DECISION-MAKING IN PUNJAB’S TRANSITION FROM RICE– WHEAT TO HIGH-VALUE CROPS
Paper Type
Author Name Advit Sethi
Country India
DOI https://doi.org/10.5281/zenodo.17452734
Page No. 151-156

Abstract View PDF Download Certificate
HUMAN CAPITAL AND BEHAVIORAL DRIVERS IN AGRICULTURAL DIVERSIFICATION: EXAMINING FARMER DECISION-MAKING IN PUNJAB’S TRANSITION FROM RICE– WHEAT TO HIGH-VALUE CROPS
Author: Advit Sethi

ABSTRACT
Punjab’s agricultural economy, long sustained by the rice–wheat rotation, faces intensifying
ecological and economic challenges — groundwater depletion, soil nutrient imbalance, yield
stagnation, and climate variability. This study evaluates the comparative economics of the
traditional rice–wheat system and two high-value diversification options, celery (Apium
graveolens L.) and quinoa (Chenopodium quinoa Willd.), within the Punjab context.
Using data from agricultural cost studies, farm surveys, and market analyses (2020–2025),
this paper estimates per-hectare yields, costs, and net returns while examining input use,
water demand, and climate sensitivity.
Results indicate that the rice–wheat system remains viable primarily due to institutional
support through Minimum Support Prices (MSP) and government procurement, yielding an
average output–input ratio of 1.34. Celery outperforms this with a ratio of 2.79, reflecting net
returns of approximately ₹ 75,665 / ha, while quinoa shows variable profitability (output–
input ratio 2.0–3.0) depending on market access and agronomic adaptation. Celery’s
profitability, moderate water demand, and established export network make it the most viable
high-value crop for Punjab’s transition toward sustainable diversification.
Keywords: Punjab agriculture; crop diversification; rice–wheat system; celery; quinoa; farm
economics; irrigation efficiency; climate resilience; high-value crops.

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