Indian Journal of Finance and Banking <p><em><strong><img style="display: block; margin-left: auto; margin-right: auto;" src="" alt=""></strong></em></p> <p style="text-align: justify;"><em><strong>Indian Journal of Finance and Banking(IJFB)</strong> </em>is an international, double-blind peer-reviewed, scholarly open access journal on financial market, instruments, policy, and management research published semiannually. </p> <p style="text-align: justify;">To support this open access journal, we have an honorary charge of <strong>USD 300</strong> for the publication of an accepted manuscript.</p> <p style="text-align: justify;"><strong>IJFB</strong> is indexed in&nbsp;<strong><u><a href="">ABDC(Australian Business Deans Council) </a><a href="">Journal Quality List,2019</a></u></strong></p> <p>&nbsp;</p> Centre for Research on Islamic Banking & Finance and Business en-US Indian Journal of Finance and Banking 2574-6081 The Pros and Cons of Adopting Technology as a Business Pilot: Global Perspective <p>Technology has revolutionized human society. A complex scientific knowledge that takes various forms is technology. It is also referred to as a set of meticulous knowledge used to create tools process actions and extricate materials to make work easy. Technology includes equipment such as computers, mobile phones, multimedia, software, games and apps, these are simple tools individuals use in their daily lives to make life comfortable and luxurious. Technology comes in various forms of such as mechanical, electrical, industrial or manufacturing and medical technology.&nbsp;&nbsp; Any establishment set as a going concern for profit maximization is a business. Technology has various benefits which helps businesses achieve its ultimate goal, thus, maximize profit. Technological infrastructure’s impact on business efficiency and effectiveness is inevitable. There is a correlation between technology and business profit maximization be it positive or negative, because it has various impacts on businesses. The question is, does the type of technology adopted affect the business? The various types of technology indicate it has different purpose, to be efficient it needs to be used effectively. Today’s business world has been massively influenced by internet technology adoption. The utilization among business is inescapable since technology is rapidly regenerating global production, work and business methods, trade and consumption patterns of enterprises and consumers therefore, the paper is to evaluate if there is the need to adopt a particular technology that best fit a business industry.</p> <p><strong>DOI: <a href=""></a></strong></p> Afenya Millicent Selase Aphu Elvis Selase ##submission.copyrightStatement## 2019-08-29 2019-08-29 3 2 1 4 Financial Inclusion - A Study on Financial Inclusion Programs for Small and Marginal Farmer’s in Chikkallapur District <p style="text-align: justify;">Fiscal inclusion sees towards bringing everyone, irrespective of financial status, into the banking fold for the individual progress and development of society and there by achieving comprehensive growth with equality. Extending fiscal services through fiscal inclusion databases to the small and marginal farmers has been found to have many challenges due to the characteristic nature of the agriculture sector. To analysis such challenges of fiscal inclusion programs, a study was carries out in Chikkabalapur district of Karnataka state. This study publicized that inadequate income of small and marginal farmers resulting in non-repayment of credits was one of the key factors influencing unproductive execution/ implementation of a number of fiscal inclusion programs. This study result also highlighted the fact that success rate of fiscal inclusion programs was largely influenced by lack of education usage of bank accounts in the grass root level of rural Karnataka. In view of the conclusions from the study suitable suggestion and recommendations like creating regular awareness programs through grassroots level workers on fiscal inclusion programs and various Govt. schemes have been put forth.</p> <p><strong>&nbsp;DOI: <a href=""></a></strong></p> <p>&nbsp;</p> Manjunatha A Ajay R ##submission.copyrightStatement## 2019-09-14 2019-09-14 3 2 5 9 A Study on Effectiveness of the Crop Insurance in Karnataka -With Special Reference Chikmagalur District <p>Indian agriculture activities are severely dependent on rainfall that occurs in monsoon year. The behavior of the monsoon is unusual that cause natural disasters like lack of rainfall or floods, cyclones, etc.&nbsp; Majority of the cropped area is affected by drought. About 12 million hectors of the agricultural land is affected by the calamities and this land does not have irrigation facility. Crop insurance is a tool to protect&nbsp; the farmers&nbsp; from&nbsp; financial loss as a result of crop loss out of nearly all natural factors past their manage consisting of weather, &nbsp;natural calamities , floods, pests, illnesses etc. There is a need for the crop insurance to protect the farmers against the financial loss due to crop loss. There are various schemes under crop insurance which aim to provide financial support to farmers. This is the motivation behind the study. The research is carried out to understand the effectiveness of crop insurance. A sample of 348 Farmers was considered to collect opinions through a structured questionnaire in Chikmaglur district, Karnataka. The factors under the study were Awareness, Financial security, income stability, Loan repayment towards the future acceptance of crop insurance.</p> <p><strong>DOI: &nbsp;<a href=""></a></strong></p> Hamsini H.P Rashmi .R ##submission.copyrightStatement## 2019-09-14 2019-09-14 3 2 10 13 Articles Review on Forward and Reverse Supply Chain/ Closed Loop Supply Chain Practices <p>Despite the increasing popularity of research in supply chain management significant number of research focused on forward supply chain management by neglecting one of the most important part of supply chain that is reverse supply chain management, which complete supply chain management as closed loop. Large numbers of prior research consider only one variable at a time to see performance of forward or reverse supply chain on organizational performance. However, supply chain performance is the function of different combination of variables. Therefore, this paper review the effects of transportation, inventory management, facility location and information sharing in closed loop supply chain practices on organization performance.</p> <p><strong>DOI: <a href=""></a></strong></p> Diriba Ayele Gebisa ##submission.copyrightStatement## 2019-09-18 2019-09-18 3 2 14 26 An Analysis of Effectiveness of Bancassurance among Customers as an Alternative Distribution Channel in Bangalore <p>In this study we had conducted a survey among Customers of Bank in order to know whether they are aware of the concept of Bancassurance and exploring the reasons why customer would like to buy insurance products from banks. Customer attitude to two different distribution channels was calculated by getting the mean of 24 statements on Likert scale. 74% of the sample was aware of the fact that their banks sell insurance products. It was reported that the reference (56%) and bank employees (54%) are the two main information sources for these customers. The respondents emphasized Trust, convenience in terms of location as the main reasons for buying the insurance products from banks instead of Insurance agents and after analyzing 24 statements administered among target sample population we can conclude: Customers feel that insurance agents have more expertise in insurance products than bank employees and can give better advice. It was also found that banks employees give them all the information needed than insurance agents and customers trust bank more than insurance company for all their financial requirements. Therefore, banks in India should try to exploit the existing opportunities to cross-sell insurance products through their branch network.</p> <p><strong>DOI:&nbsp;<a href=""></a></strong></p> Bhavana Gowda SP Rashmi. R ##submission.copyrightStatement## 2019-09-20 2019-09-20 3 2 27 31