ISSN No : 2347-2723
Impact Factor : 3.3754 (UIF) [Yr.2017]
Volume:II Issue:V December,2014
A STUDY ON INNOVATIONS IN BANKING FOR THE POOR
Prof. S.R. Dhere
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The banking sector plays an important role in the development of one country’s economy.

HYPOTHESIS AND RESEARCH
Dr. Prakash M. Badiger
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The hypothesis plays very important role, while pursuing the research, without which a researcher can’t do anything in the field of research it only shows the way for the scholar to move on to the field of search of the source to solve the problem of their research issue.“Hypo”

भगत सिंह और असिमेंबली बम्ब काण्ड
राजीव कुमार
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भगतसिंह के क्रांतिकारी जीवन की शुरुआत उस काल में हुई थी जब देश का सर्वहारा वर्ग भारत के मुक्ति – संघर्ष को नेतृत्व देने के लिए तैयार हो रहा था| १९२० के बाद से मजदूर आंदोलन लगातार तेज होता जा रहा था|

मध्ययुगीन उत्तर भरतातील नगर रचना:-एक वास्तव
डाॅ. ज्ञानेश्वर शामराव कडव
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मध्युगीन कालखंडात प्रामुख्याने नगरे नदी काठी वसलेली होती. पाण्याची गरज भागविण्यासाठी नदी हे महत्वाचे साधन मानले जात होते. नदीकाठी नगर वसविले असल्यास पिण्याचे पाण्ी नागरिकांना सहजरितीने प्राप्त होत होतेच.

भारताच्या स्वातंत्र्य युद्धात सशस्त्र क्रांतीकरी कार्यात स्त्रियांचे योगदान
प्रा. बालाजी गंगावणे
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भारताला इंग्रजाच्या गुलामगीरीतून मुक्त करण्यासाठी व भारताला स्वातंत्र्य मिळवून देण्यासाठी जी स्वतंत्र चळवळ निर्माण झाली.

THE WAGE/SALARY PROCEDURES, WELFARE AND EMPLOYEE RELATIONS IN KSRTC (A Special reference to women employees)
Mr. Manjappa Hosuru and Bothgi Bheemesha S.
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Wage and salary administration or compensation management is critical but what is more important is career growth and learning opportunities. Corporate image goes far beyond an attractive package.

OUTREACH ACTIVITIES IN LIBRARY
Dr. Anjali Anand Choure
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Libraries have to provide activities and services to encourage people to use libraries in different ways outreach activities go out into the community encouraging people to become library users.

CONSUMER BEHAVIOUR FACTORS
Sandeep A. Vadher
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A perspective of marketing is about making a consumer realise that they want your product, even though initially they might not. Therefore it is important for marketers to understand how consumers behave when they are exposed to particular advertising methods and messages. For example: Consumer behavioural theories such as the process of innovation diffusion is vital for marketers as it allows us to understand how different market segments, which have different purchasing and thinking characteristics might decide whether or not to buy a product. Customer behaviour study is based on consumer buying behaviour, with the customer playing the three distinct roles of user, payer and buyer. Research has shown that consumer behaviour is difficult to predict, even for experts in the field. "Customers" play a very critical role as these are the people who finally BUY the goods & services of the organisation, and the firm is always on the move to make them buy so as to earn revenue. It's crucial from both the points of view as given below.

ROLE OF HIGHER EDUCATION IN GLOBALIZATION
Janak L. Makavana
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The term Globalization means integration of economies and societies through cross – country flows of information, ideas, technologies, goods, services, capital, finance and people. Cross – border integration is multidimensional including cultural, social, economic and political dimensions. Globalization has transformed the world into a global village. Under the provisions of the General Agreement on Trade in Services (GATS), Indian education is bound on face formidable competition from the foreign players. The present focuses on the role of teacher in higher education related to globalization and the role of education in meeting challenges of globalization. Higher education is now seen as one of the key drivers of social well-being and economic performance in the knowledge economy. This is why European countries are trying to make higher education more inclusive and more accessible to under-represented and non-traditional groups of students, such as students from low socio-economic backgrounds, older students and students who may be working alongside their studies. They also appear to be spending more money on educational expenditures.

RISK MANAGEMENT
J. K. Khetiya
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Risk management is recognized as an essential tool tackle the inevitable uncertainty associated with business and projects at all levels. But it frequently fails to meet expectations, with projects continuing o un late, over budget under or under performing, and business not gaining the expected benefitsThe evident discount which often occurs between strategic vision and tactical project delivery typically arises from poorly defined project objectives and inadequate attention to the proactive management of risks that could affect those objectives, one of the main failings in the traditional approach to risk management arises from a narrow focus on the downside, restricted to the technical or operational field, addressing tactical threats to processes, performance or people. This shortcoming can be overcome by widening the scope of risk management to encompass both strategy risks and upside opportunities, creating an integrated approach which can bridge the gap between strategy and tactics.

The impact of the Internet on economic growth and prosperity
Shirish Bhosale
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The Internet is changing the way we work, mingle, make and offer data, and arrange the stream of individuals, thoughts, and things around the world. Yet the greatness of this change is still overlooked. The Internet represented 21 percent of the GDP development in experienced economies in the course of recent years. In that time, we went from a couple of thousand understudies getting to Facebook to more than 800 million clients around the globe, including numerous driving firms, who routinely overhaul their pages and offer substance. While vast undertakings and national economies have harvested significant advantages from this mechanical upset, singular purchasers and little, upstart business people have been a percentage of the best recipients from the Internet's enabling impact. In the event that Internet were a segment, it would have a more prominent weight in GDP than agribusiness or utilities.

KHWAJA BANDENWAJ (GESUDRAJ) KI KUCH DAKKHINI RACHANAO KA SAMANY PARICHAY TATHA ARTH
Shaikh Shenaaj Ahemad
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‘Khwaja Bandenwaj’ Inka Mul Naam Nahi Hai . Bachpan Se Hi Sarvsamany Vayktiyo Ke Prati Inke Man Me Jo Apntva Aur Ishawar Ke Prati Agadh Shraddha Rahi Esi Karan Unhe Yah Naam Diya Gaya Hai . Etana Hi Nahi Islam Ke Shaval Mahine Ke Baad Jo Jilkad Ka Mahina Aata Hai, Jisme Bandenwaj Ki Mrutyu Hui Us Mahine Ko Sampurn Dakkhini Vibhag Aur Maharashatra Ke Marathavada Me Unhi Ke Naam Se Us Mahine Ko Bataya Jata Hai Yani ‘Bandenwaj Ka Mahina’ Yahaan Ke Lo ‘Jilkad’ Ko ‘Jilkad’ Na Kahkar ‘Bandenwaj’ Kahte Hai.

‘BHARATIY SANT SAHITYA ME PRAGTISHIL CHETANA’
Meera Joshi
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Kisi Bhi Sahitya Ke Maadhyam Se Samkalin Samaj ,Sanskruti Aur Saahityik Mullyo Ko pratipadit Karnevala Sahitya Pragtishil Sahitya Kahlata Hai | Samaj Hamesha Parivartanshil Hota Hai , Samajik Parivartan Ke Sath Sath Sahityik Mullyo Me Bhi Badlav Aata Hai |

‘AAWARA MASIHA-SHARAD BABU KE JIVAN KI PRAMANIKATA’
Meera Joshi
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Jivani dusaro ke dvara likhi jati hai jab ki aatmkatha aapne dvara paashchatay prabhav ke Karan hi bharatendu yug me eas jivani vidha ka aarambh hua | halanki bhakti kaal me bhakti maal aur vaarta –sahitya milta hai | jinme bhakto evam santo ke charitra ki aloukik mahima sampann rup me aatiranjanapurv shailli me uapsthit kiya gaya hai|

SEXUAL HARASSMENT IN COLLEGE CAMPUS
Gundale Maroti Pralhadrao
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Sexual harassment is a serious problem for students? at all educational levels. Students in elementary and secondary schools, as well as vocational schools, colleges and universities can be victims of sexual harassment. This problem is more common than one might think because many students are scared or too embarrassed to report sexual harassment. Sexual harassment can be requests for sexual favors or unwelcome sexual behavior that is bad enough or happens often enough to make feel uncomfortable, scared or confused and that interferes with students? college work or his ability to participate in extracurricular activities. It is a form of violence in everyday life and is discriminatory and exploitative creating an atmosphere of threat and terror.

NATURE EDUCATION: ON THE LIGHT OF GURUDEVA’S SONG
Prohlad Roy
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Rabindranath Tagore (7 May 1861 – 7 August 1941), sobriquet Gurudev, was a Bengali polymath who reshaped Bengali literature and music, as well as Indian art with Contextual Modernism in the late 19th and early 20th centuries. Author of GITANJALI and its "profoundly sensitive, fresh and beautiful verse",he became the first non-European to win the Nobel Prize in Literature in 1913. In translation his poetry was viewed as spiritual and mercurial; however, his "elegant prose and magical poetry" remain largely unknown outside Bengal. Tagore introduced new prose and verse forms and the use of colloquial language into Bengali literature, thereby freeing it from traditional models based on classical Sanskrit. He was highly influential in introducing the best of Indian culture to the West and vice versa, and he is generally regarded as the outstanding creative artist of the modern Indian subcontinent, being highly commemorated in India and Bangladesh, as well as in Sri Lanka, Nepal and Pakistan.

DEVELOPMENT OF INDIAN NOVEL IN ENGLISH A SHORT VIEW
Ravi Pandurang Meti
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The possible literary form for a writer to keep himself always in touch with the common readers is the fiction. It is in this area we find that the Indian writers in English have made the most significant contribution. So, of all genres, the novel is the most popular form today. According to H. M. Williams (1976: 109), “It is undoubtedly the most popular vehicle for the transmission of Indian ideas to the wider English speaking world.” We in India, on a greater extent are indebted to the European and English novel because as an art form, it has been imported to India from the West. In other words, it is a gift of Western literature.

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