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In this research paper, we examined the influence of demographic and household factors on adecision to surrender a life insurance policy before the end of the policy term. As per thehandbook on Indian Insurance Statistics 2020-21, by the 5 th year of policy sale, only 4 out of 24 life insurers could retain half of their policies. One of the reasons for this low persistenceis the increased surrender of policies. Surrendering a policy means the policyholdercancelling the policy and agreeing to take the cash value/surrender value accrued to thepolicy over time and forgoing the death benefit or maturity benefit. Generally, a policyacquires surrender value after the policyholder has paid the premiums continuously for threeyears. A survey of randomly selected 537 policyholders was conducted using a structuredquestionnaire to examine the influence of demographic and household factors on a decisionto surrender a life insurance policy. Results of our study suggest that demographic andhousehold factors influence the decision to surrender a life insurance policy. Marital statusand occupation are statistically significant predictors of the decision to surrender a policy. [ABSTRACT FROM AUTHOR]

Innovations play a crucial role to foster the economic growth and sustainable development by addressing urgent economic and social needs, and by enhancing productivity and competitiveness. Due to its significance, this study examines the impact of civil liberties and creative class on innovation output in case of Pakistan. Innovation output is proxied by patent and trademark applications of residents of Pakistan. The study employs a time series data over the period of 1982-2014 and negative binomial method to test the hypotheses empirically. The results implicitly support the hypotheses that lesser civil liberties are negatively related to the innovation output. Whereas, explicitly lesser civil liberties negatively but insignificantly related to the patent applications and are significantly positively related to the trademark applications. Creative class and school enrollment positively significantly related to the innovation output. Other factors such as, political rights and foreign direct investment negatively insignificantly relates to the trademark applications whereas positively significantly relates to patent applications. Expenditures on education as percentage of GDP (Proxy of R&D) negatively and significantly relates to trademark applications but negatively insignificantly to patent applications. [ABSTRACT FROM AUTHOR]

The major objective of this research study is to examine the influence of economic sustainability on banking system development. Sustainable finance represents a significant challenge in order to achieve the sustainable development of the banking system. Moreover, the digitization process regarding the banking system was significantly influenced by the effects of the COVID-19 pandemic. Transactional technologies are innovative solutions that strengthen the banking system and provide optimal quality financial services to consumers. The progress of digital innovation and increasing openness to digital skills represents an opportunity to achieve sustainable development. [ABSTRACT FROM AUTHOR]

THE PURPOSE OF THIS STUDY IS TO ASSESS THE EFFICACY OF THE DIGITALIZATION IN HIGHER EDUCATION OF BIHAR DURING THE LOCKDOWNS OF COLLEGES AND UNIVERSITIES DUE TO COVID-19 PANDEMIC AND TO FIND WHETHER GENDER, COURSE OPTED, STREAM OF STUDY, MEDIUM OF STUDY, RESIDENTIAL AREA, FAMILY INCOME LEVEL, ONLINE CLASS ATTENDED, ACTUAL TIME SPENT ON USING INTERNET FOR EDUCATION, AND OWNERSHIP OF GADGETS USED IN ONLINE CLASSES AFFECT THE EFFECTIVENESS OF DIGITALIZATION IN HIGHER EDUCATION IN BIHAR. THE DATA USED IN THIS STUDY ARE PRIMARY IN NATURE AND COLLECTED BY USING THE QUESTIONNAIRE METHOD FROM 429 STUDENTS OF THIRTEEN DIFFERENT STATE UNIVERSITIES AND ONE OPEN UNIVERSITY. AS MANY PREDICTORS ARE CATEGORICAL IN NATURE MULTINOMIAL LOGISTIC REGRESSION HAS BEEN USED TO ASSESS THE IMPACT OF VARIOUS DEMOGRAPHIC AND SOCIO-ECONOMIC FACTORS ON EFFICACY OF DIGITALIZATION IN HIGHER EDUCATION IN BIHAR. IT HAS BEEN FOUND THAT THE VARIABLES LIKE MONTHLY INCOME OF THE FAMILY, TIME ACTUALLY SPENT BY THE STUDENTS FOR EDUCATION BY USING INTERNET PER DAY, STREAM OF THE STUDY, MEDIUM OF THE STUDY, RESIDENTIAL AREA AND GENDER ARE SIGNIFICANT FACTORS THAT AFFECT THE DIGITALIZATION IN HIGHER EDUCATION IN BIHAR DURING THE PANDEMIC. THE STUDY COULD CONTRIBUTE IN TWO WAYS. FIRST, THE RESULTS OF EFFICACY OF DIGITALIZATION IN HIGHER EDUCATION IN BIHAR OF A LOWEST EDUCATION INDEX RANKING STATE WILL DEPICT AN AUTHENTIC PICTURE OF EFFECTIVENESS OF DIGITALIZATION IN HIGHER EDUCATION IN BIHAR IN BACKWARD STATES AND THEREBY ADD UP TO THE EXISTING LITERATURE AND SECOND, THE SIGNIFICANT FACTORS OF THE MODEL COULD ASSIST THE POLICY MAKERS IN TAKING CORRECTIVE MEASURES WHILE TAKING ANY DECISION TO DIGITALIZE THE EDUCATION IN SUCH KIND OF STATES IN INDIA. [ABSTRACT FROM AUTHOR]

EVERY YEAR, A MAJOR PART OF THE COUNTRY'S NATIONAL INCOME IS SPENT ON INVESTMENT IN CONSTRUCTION PROJECTS IN WHICH CONSTRUCTION HAS A SIGNIFICANT SHARE. THE PERFORMANCE OF THE CONSTRUCTION PROJECT RELIES ON VARIOUS ASPECTS OF PROJECT MANAGEMENT. SINCE EFFECTIVE PROJECT MANAGEMENT BEGINS WITH THE INTEGRATION OF PROCESSES AND PERFORMANCE MANAGEMENT PERFORMANCE IN THE CONSTRUCTION ORGANIZATION, INTEGRATED MANAGEMENT IS OF GREAT IMPORTANCE. THE PURPOSE OF THIS STUDY IS TO INVESTIGATE THE EFFECT OF DIFFERENT COMPONENTS OF INTEGRATION MANAGEMENT ON THE PERFORMANCE OF CONSTRUCTION PROJECT MANAGEMENT AND TO EXAMINE THE RELATIONSHIP BETWEEN THOSE COMPONENTS AND THE INTEGRATION OF MANAGEMENT INTEGRATION ON THE EMPOWERMENT OF MANAGERS. PROPOSED COMPONENTS OF INTEGRATION MANAGEMENT ARE THE DEVELOPMENT OF A KNOWLEDGE INTEGRATION, STAFF INTEGRATION, SUPPLY CHAIN INTEGRATION ON THE DIMENSIONS OF PROJECT MANAGEMENT PERFORMANCE MANAGEMENT, WHICH ARE QUALITY, SAFETY, AND CUSTOMER SATISFACTION ARE EFFECTIVE. AMONG THESE PEOPLE, 203 PROJECT EXPERTS WERE SELECTED BASED ON MORGAN TABLE METHOD IN PROPORTION TO THE VOLUME. THROUGH THE RESEARCH TOOL, THE QUESTIONNAIRE WAS STUDIED TO MEASURE THE VALIDITY AND RELIABILITY OF THE VARIABLES, THE CONTENT OF THE STRUCTURE WAS EXAMINED AND APPROVED, AND LISREL-SPSS SOFTWARE WAS USED TO ANALYZE THE CONFIRMATORY AND INFERENTIAL FACTOR ANALYSIS INFORMATION. INDICATES THAT EMPLOYEE INTEGRATION MANAGEMENT HAS AN EFFECT ON THE EMPOWERMENT OF MANAGERS WITH A COEFFICIENT OF 0.560, EVALUATION MANAGEMENT 0.891 AND EXECUTIVE 0.614 AND ALSO INTEGRATION MANAGEMENT HAS A POSITIVE EFFECT ON ORGANIZATIONAL PERFORMANCE MANAGEMENT OF 0.756. THIS MEANS CHANGING THE PROCESS OF PROJECT PERFORMANCE MANAGEMENT IN CONSTRUCTION COMPANIES. [ABSTRACT FROM AUTHOR]

NOWADAYS, EMPOWERMENT IS CONSIDERED AS ONE OF THE USEFUL TOOLS FOR IMPROVING THE QUALITY OF EMPLOYEES AND INCREASING THE EFFECTIVENESS OF THE ORGANIZATION. IN ORDER TO ACHIEVE THIS, ORGANIZATIONS, BY EMPOWERING THE RELEVANT EMPLOYEES IN ORDER TO ENCOURAGE THEM TO TAKE ACTION WITHOUT PRESSURE, RESPECT THE COLLECTIVE INTERESTS OF THE ORGANIZATION WITH THE LEAST SUPERVISION AND PERFORM THEIR DUTIES AS OWNERS OF THE ORGANIZATION. THEY ARE DEPRIVED OF FACE TO FACE CITIZENSHIP BEHAVIOR (TRANS-ROLE AND SUB-ROLE) IS PART OF THE OPERATIONAL CHARACTERISTICS OF THE COMPANY. PHYSIOLOGICAL NEEDS (SELFEFFICACY, COMPETENCE, COMMUNICATION) ARE A SET OF PERSONAL AND SOCIAL CHARACTERISTICS AND FEELINGS AND THOUGHTS RELATED TO THEM, WHICH ONE ACQUIRES THROUGH THE ABILITY TO INTERACT WITH ONESELF AND BY FINDING IDEAS THAT AFFECT CITIZENSHIP BEHAVIOR. AND AFFECT EMPLOYEE EMPOWERMENT. THIS RESEARCH IS DESCRIPTIVESURVEY AND CORRELATIONAL. DUE TO THE RESEARCHER'S LACK OF ACCESS TO MUNICIPAL STAFF IN QOM PROVINCE, MORGAN TABLE SAMPLING METHOD WAS USED. VALIDITY AND RELIABILITY OF QUESTIONS WITH CRONBACH'S ALPHA ABOVE 0.7. RESEARCH DATA WERE COLLECTED USING A STANDARD QUESTIONNAIRE AND ANALYZED. THE PLS STRUCTURAL EQUATION MODEL IS USED. THE RESULT OF THE HYPOTHESIS TEST INDICATES THE POSITIVE EFFECT OF PHYSIOLOGICAL NEEDS ON EMPLOYEE EMPOWERMENT AND CITIZENSHIP BEHAVIOR, AND ALSO CITIZENSHIP BEHAVIOR AFFECTS THE RELATIONSHIP BETWEEN PHYSIOLOGICAL NEEDS AND EMPLOYEE EMPOWERMENT. [ABSTRACT FROM AUTHOR]

The aim of this research study is to provide a comprehensive theoretical analysis on the phenomenon of tax evasion, but also fiscal policy measures in the context of COVID-19 pandemic. Fiscal policy highlights the path of government authorities on economic activity based on public revenues and expenditures. The phenomenon of tax evasion significantly affects the prospect of sustainable economic growth. In order to ensure economic stability, it is very important for government authorities to apply rigorous measures to prevent and combat tax evasion. [ABSTRACT FROM AUTHOR]