Vol 13 Issue 2 October 2025-March 2026

Abstract: The customer-centric approach in payment banks has become a critical factor in enhancing service delivery and satisfaction in the digital financial landscape. This study employs the Multivariate Analysis of Variance (MANOVA) test to examine the influence of demographic variables such as gender, age, education, and occupation on customer perceptions of payment banks. Dependent variables included aspects like friendliness, security, privacy, technology advancement, and ease of transactions. Additionally, challenges in payment services were analyzed using Kendall’s W Test, and customer opinions in Sivaganga District were evaluated through the One-Sample Kolmogorov-Smirnov Test. The findings reveal significant insights into customer perceptions and barriers, providing actionable recommendations for payment banks to improve their services.

Keywords: Customer-centric, Payment banks, MANOVA, Kendall’s W Test, Kolmogorov-Smirnov Test, customer perception, financial services.

Title: Analyzing Customer Centric Strategies in the Payment Bank Sector: A Statistical Perspective

Author: Mr. V. Dinesh, Dr. R. Venkatesan, Dr E Saranya devi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 525-533

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Website: www.researchpublish.com

Published Date: 25-February-2026

Abstract: Health insurance is a financial mechanism that provides coverage for medical expenses incurred due to illness, injury, or hospitalization. It helps individuals manage healthcare costs by transferring the financial risk to an insurance provider. In India, health insurance is offered by both public and private sector insurance companies with varying features, benefits, and premium structures. Both Primary and Secondary data has been used for the study. Primary data has been collected from structured interview schedule. The sample size for the study is 150. The sampling technique used for the study is convenience sampling method. The findings of the study shows that the results reveal that Coverage and Benefits is the most significant factor influencing policyholders.

Keywords: Health Insurance Policies, Policyholders, Opinion, benefits.

Title: A Study on Policyholder Opinion towards Health Insurance Policies of Public and Private Sector Insurance Companies in Sivagangai District

Author: C.Kasthuri, Dr.D.Andrews Scott, Dr.S.Latha

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 517-524

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Website: www.researchpublish.com

Published Date: 25-February-2026

Abstract: By substituting electronic devices for paper in routine financial operations, green banking aims to simplify banking transactions and reduce the need for paper records. The industry, banks, and economy will all gain from this "Green Banking" strategy. "Green Banking" will not only guarantee the sustainability of industries, but it will also aid banks in enhancing the quality of their assets going forward.  In many facets of business, the "Go Green" idea has gained significance in today's ecologically aware society.Examining how customers use green banking features in specific public sector banks in the Devakottai taluk is the main goal of the study.

Keywords: Green banking, customer satisfaction, banking services and products, Go Green etc.

Title: Customers’ Usage on green banking services in selected Public sector banks in Devakottai Taluk

Author: Mr. P.Valliappan, Dr.R.Vijayalakshmi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 509-516

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Website: www.researchpublish.com

Published Date: 25-February-2026

Abstract: The pandemic due to COVID-19 has resulted in major changes in the consumer behavior amongst which the eating habits and adding natural supplements are the most significant ones. This study deals with the potential behavioral patterns that consumers may have during the new norma phase with a special focus on the Madurai district. Furthermore, It looks at the factors that have played the most important role in the pattern of people’s attitudes towards the trending items in the field of natural and health-related products. Such elements as the adoption of a new lifestyle style, people's understanding of health, and their purchasing preferences are given as the main drivers in this process. Other than that, it shows the up-going number of demands for organic food, the factor of immune-boosting supplements, and the locally sourced products on the other side. In addition, it investigates the impact of technology on designing the consumer's choice of purchases in the period of the pandemic. The survey hope by researching and understanding the alterations in human behavior to add the latest data to businesses and policymakers and thus, help them adapt their strategies to the client's wishes. The overall importance of this study is that it focuses on the changes in consumer behavior during the COVID-19 pandemic in the Madurai district

Keywords: Consumer behavior, food products, natural supplements, new normal period, Madurai district, health awareness, purchasing preferences, organic food, immunity boosters, digital platforms.

Title: Consumer behaviour of food products and natural supplements in new normal period-A study with particular reference to Madurai district

Author: Mrs. P. Kanidha, Dr. M. Ganesan

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 499-508

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Website: www.researchpublish.com

Published Date: 24-February-2026

Abstract: Effective Monitoring and Evaluation (M&E) practices are essential for enhancing project performance and achieving successful outcomes. In Kenya, the State Department for Housing and Urban Development (SDHUD) manages large-scale housing projects aimed at addressing the national housing deficit, yet persistent performance challenges, including budgetary inefficiencies and delayed implementation, have been reported. This study examined the influence of M&E practices including planning, staff expertise, data usage, and financing on the performance of government housing construction projects in Nairobi City County. Guided by Campbell’s performance theory and the Resource-Based View theory, the research adopted a descriptive design targeting 70 housing projects implemented between FY 2019/2020 and 2023/2024. Using stratified random sampling, 64 respondents directly involved in project execution provided primary data through structured questionnaires. Instrument validity was assessed via criterion-oriented validity, while reliability was confirmed through Cronbach’s alpha. Qualitative data were analyzed thematically, and quantitative data were subjected to descriptive and inferential statistics using STATA 19.0. Findings revealed significant positive associations between M&E planning, staff expertise, financing, data utilization, and project performance. The study recommends that SDHUD enhance M&E planning, stakeholder engagement, and risk mitigation; invest in skilled personnel, modern tools, and capacity-building initiatives; and institutionalize data-driven decision-making. Aligning M&E financing with project objectives and documenting lessons learned are further advised to promote transparency, accountability, and sustained improvements in housing project outcomes.

Keywords: Monitoring and Evaluation (M&E), State Department for Housing and Urban Development (SDHUD), government housing construction projects.

Title: Assessing the Effectiveness of Monitoring and Evaluation Frameworks in Enhancing Performance of Public Housing Construction Projects in Nairobi City County, Kenya

Author: Otieno Eric Onyango, Lucy Ngugi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 487-498

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Website: www.researchpublish.com

Published Date: 24-February-2026

Abstract: Micro, Small and Medium Enterprise (MSMEs) forms a very important sector of economic framework of India, as it plays a key role in generating employment, industrial production and development of the regions. In Tamil Nadu, the MSMEs are critical in the growth of the sector in manufacturing, textiles, services, and trade. The Central and State Governments have adopted various support schemes, such as credit guarantees, capital subsidies, interest subversion programs and digital assistance programs, to improve their competitiveness and resilience. Nevertheless, there is very little empirical data on how these schemes are effective at the district level.This research paper provides an empirical analysis of how government support schemes affect the financial performance of MSMEs in selected districts of Tamil Nadu. Based on the primary data obtained in the form of registered MSMEs and it is supported with secondary sources, the research will employ the quantitative methodology such as regression analysis to determine the relationship between scheme awareness, availability and the financial metrics of the business enterprise such as profitability, revenue growth and operational stability.The research findings should help provide evidence on the importance of policy interventions on the financial performance of the business enterprise and also identify gaps in the implementation of the schemes. The research has a contribution to the policy evaluation literature in a way that it provides a district-level of understanding and feasible implications to the enhancement of design and delivery of support schemes.

Keywords: MSMEs; Government support schemes; Financial performance; Tamil Nadu.

Title: Empirical Study of Effects of Government Support Scheme on the Financial Performance of MSMEs in the selected Districts of Tamil Nadu

Author: R. Parkavi, Dr. G. Vinayagamoorthi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 480-486

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Website: www.researchpublish.com

Published Date: 24-February-2026

Abstract: This study investigated the effect of a turnaround strategy on the performance of Kenya Power and Lighting Company (KPLC) between 2018 and 2022. Operating in a challenging energy sector, KPLC faced multifaceted challenges, including operational inefficiencies, limited management autonomy, bureaucracy, and financial instability, which led to a decline in performance. The study aimed to identify the specific turnaround strategies adopted by KPLC during the period of decline and to assess their correlation with the observed changes in performance indicators over the five-year period. Guided by the Stage Theory of Successful Turnaround and Stakeholder Theory, the research adopted a qualitative case study design, collecting data through interviews with senior managers at the company’s headquarters. Analysis revealed that KPLC implemented strategies focused on cost control, revenue enhancement, organizational restructuring, operational efficiency, and customer engagement. The study found that although the turnaround initiatives of KPLC successfully improved their short-term financial performance, external factors such as the delay in approval of a cost-reflective tariff, a subsequent 15% tariff reduction, the direct and indirect impacts of COVID-19 on the broader economy and the depreciation of the Kenya Shilling against major foreign currencies, undermined sustainable, long-term recovery. Consequently, the company achieved only 20% of its targeted performance gains, reflecting a negative variance of 80% from the set targets. The study concluded that the turnaround strategy fell short of comprehensively addressing the complex challenges contributing to KPLC’s performance decline. It recommends the development of an agile, innovation-driven strategy that incorporates lessons learned and mitigates foreign exchange risks, particularly through renegotiating power purchase agreements to align currency exposure with revenue streams.

Keywords: Kenya Power and Lighting Company(kplc.), Turnaround Strategy, Stakeholder Theory and Performance.

Title: THE EFFECT OF TURNAROUND STRATEGY ON THE PERFORMANCE OF KENYA POWER LIGHTING COMPANY PLC

Author: Ochieng’ Evans Otieno, Dr. Ngong’s Aketch

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 464-479

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Website: www.researchpublish.com

Published Date: 23-February-2026

Abstract: This study evaluates the Indian implementation of the Pradhan Mantri Mudra Yojana (PMMY) and its assistance to aspiring entrepreneurs in Karnataka. It appraises the socio-economic profile, perceptions, and PMMY of the benefited entrepreneurs. This paper employs a Structural Equation Model-SEM in explaining awareness, purpose and benefits of an Entrepreneurs from mudra scheme in Karnataka. Main purpose of the study is to explore the effects of awareness and purpose on level of Entrepreneurs benefits from mudra scheme. Data were collected in 5 areas of the Karnataka each comprising 50 entrepreneurs, a totaling of 250 entrepreneurs. Exploratory factor analysis (EFA) was used to construct latent variables. Next, the variables were added to the SEM. The EFA techniques contained three components, all of which matched theoretical components. Based on the SEM model, The scheme's purpose and benefits increase with more awareness. Similarly, benefits were also fostered by a greater cause. Findings revealed that most individuals are aware of the Pradhan Mantri Mudra Yojana and think it can help create jobs, even though individual criteria like income, age, and education may not be able to substantiate a relationship with the scheme's utilization. To further promote awareness, the government should conduct various awareness programs, including workshops, seminars, and TV interviews, to educate potential beneficiaries about the application process and the scheme's benefits.

Keywords: Entrepreneur, Awareness, Purpose, Benefits, Pradhan Mantri MUDRA Yojana, etc.

Title: MAPPING ENTREPRENEURIAL PATHWAYS THROUGH KARNATAKA’S TRYST WITH MUDRA YOJANA

Author: J. JAMELA SALASTY, DR. G.  KANAGAVALLI

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 458-463

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Website: www.researchpublish.com

Published Date: 21-February-2026

Abstract: The aim of the study, the escalating role of the use of financial technology has changed business in the world and digital payment systems came out to be the key catalyst of this change. Small-scale industries (SSIs) are the main pillars of the Indian economy and they are continually hindered by insufficient access to credit, financial management inefficiency and limited market penetration. In that regard, digital payment systems have a high potential to increase their sustainability, development, and performance by increasing the degree of transparency, lowering the cost of transactions, and permitting a wider range of participation in formal financial networks. This paper will analyze how adoption of digital payments contributes to the enhancement of operational and financial productivity of SSIs. The mixed-method method is adopted, which uses quantitative surveys, and qualitative interviews and focus groups discussions to ensure the collection of the measurable effects and the contextual perceptions. The research design is representative in that it has a wide sample of enterprises as it has businesses that are in agro-based sectors, manufacturing, services, handicrafts, and trade. Digital payment adoption and key business outcomes are assessed using analytical tools in the form of descriptive statistics, correlation, and regression, which are processed with SPSS. Other barriers such as cybersecurity threats, infrastructural constraints, and digital literacy gaps are also taken into consideration in the study as they could affect adoption and effectiveness. The contribution of this research to the extensive discussion of digital financial inclusion and its contribution to the further sustainable development of small enterprises is possible through the combination of empirical findings and the opinions of stakeholders. The results are expected to give practical recommendations to policymakers, business persons, and industry bodies in terms of building a safe and inclusive digital payment ecosystem.

Keywords: Financial technology, digital payment systems, small-scale industries (SSIs), sustainability, growth, productivity, financial inclusion, transparency.

Title: THE STUDY INVESTIGATES THE EFFECTIVENESS OF DIGITAL PAYMENT SYSTEMS IN ENHANCING THE SUSTAINABILITY, GROWTH, AND PRODUCTIVITY OF SMALL-SCALE INDUSTRIES

Author: Mr. Guru Prasad, Dr. G.Vinayagamoorthi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 443-457

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Website: www.researchpublish.com

Published Date: 21-February-2026

Abstract: In Tanzania, and more so in Morogoro Municipality, labour policies are significant in the development and competitiveness of poultry agro-processing industries. Enforcement of laws like the Employment and Labour Relations Act (2004) and the Occupational Health and Safety Act (2003) has led to some challenges of implementation, poor awareness, and poor institutional capacity, which has created loopholes between the policy desires and the situation in industries. The paper analyses the connection between labour policy and employee satisfaction within the poultry agro-processing industry using The selected  local poultry producer as a case study. The convergent parallel mixed-method research design was utilized under the influence of the Human Capital Theory, which included the use of questionnaires, interviews, and logistic regression analysis to determine important factors of productivity. The results indicate that the labor force is dominated by youth, men, and middle-educated, with low levels of special technical capabilities and low female labor force. Management practices, employee training, and technological advancement discovered to have the greatest influence on labour productivity, with labour costs, capital investment and workplace conditions being less prominent but still influential. The findings validate the fact that the higher level of productivity depends not only on financial investments but also on the development of human resources, successful leadership, and equitable labour relations. The research findings conclude that to gain sustainable productivity, companies should combine systematic training, inclusive hiring, high salaries, and safe workplace with on-strategy technological integration. It proposes specific measures to close the gender gaps, enhance the policy implementation, and match the capital investments with the range of the workforce capacities. These results offer evidence-based information to policymakers, industry leaders, and other stakeholders to fine-tune labour laws, enhance labour capacity, and trigger the development of the Tanzanian agro-processing industry.

Keywords: Labour policy, economic performance, Local poultry agro-processing, workforce development, employment, Tanzania.

Title: THE EFFECT OF LABOUR POLICY ON LABOUR PRODUCTIVITY IN LOCAL POULTRY AGRO-PROCESSING INDUSTRIES IN MOROGORO MUNICIPALITY

Author: Paula John Mhina, Dr. Mkubya Raphael Wambura

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 430-442

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Website: www.researchpublish.com

Published Date: 21-February-2026

Abstract: Organisational Citizenship Behaviour (OCB) refers to voluntary, discretionary actions by employees that enhance organisational effectiveness but are not directly recognized by the formal reward system. OCB plays a pivotal role in improving organisational performance by fostering a collaborative and supportive work environment. This study aims to explore the definitions, dimensions, factors influencing OCB, and its impact on organisational performance. Utilising a qualitative secondary research methodology, data were extracted from 45 published sources through the PRISMA model. Thematic analysis was conducted to identify key themes and patterns in the literature.

The results show that OCB is characterised by deeds outside of official employment criteria and falls under categories including altruism, conscientiousness, sportsmanship, courtesy, and civic virtue. Transformational leadership, supportive organisational culture, employee engagement, job happiness, organisational justice, work-life balance, psychological empowerment, and trust are some of the elements impacting OCB. OCB increases production, efficiency, and innovation within businesses, even when its absence might lead to more conflicts and lower performance. The report stresses the significance of aligning organisational and personal goals and building a supportive culture if we are to maximise OCB's benefits.

These outcomes suggest that businesses should focus on developing transformative leaders, establishing an inclusive culture, and providing regular remarks to raise OCB. Future research should investigate the long-term effects of OCB, its cultural differences, how OCB interacts with intrinsic motivation, and how changes in remote work and technology influence these activities. By means of better OCB, one would have complete understanding to enhance organisational performance by means of filling in knowledge gaps.

Keywords: organisational citizenship behaviour, OCB, organisational performance, job satisfaction, leadership, innovation, creativity.

Title: Determinants of Organisational Citizenship Behaviour and Their Impact on Organisational Performance: A Systematic Literature Review

Author: Mr. Mahesh Bhagat, Dr. Kalpana Lodha

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 414-429

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Website: www.researchpublish.com

Published Date: 21-February-2026

Abstract: GCC oil and gas industry has large, expensive and complex projects, and this has led to an increased adoption of Agile and Hybrid-Agile to enhance delivery. The paper will examine the impact of pure Agile and Hybrid-Agile project management on project performance in the GCC oil and gas projects with reference to survey information and statistical review of the project performance. The findings are empirical evidence of the adoption of agile in the context of asset-intensive environments and applicable recommendations on the method that is more likely to deliver better project outcomes.

Keywords: O&G Projects, GCC O&G Projects, Agile Project Management, Hybrid Agile Project Management, O&G Project’s Performance, O&G Risk Management, Risk Management Moderating Effect. 

Title: The Impact of Applying Agile Approach on the Project Performance of the Oil & Gas Projects in GCC Countries

Author: Eng. Hassn Al Dahhak, Prof. Dr. Nahg Abdul Majid Alawi, Prof. Dr. Mohd Ayman Abdul Salam

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 398-413

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Website: www.researchpublish.com

Published Date: 18-February-2026

Abstract: The extensive application of formal project management styles still exposes GCC oil and gas projects to schedule delays, cost overruns and quality deficiencies. The paper is an investigation on the existence of moderation between the Project Management Approach (PMA) and the Project Performance (PP) by Risk Management (RM) in oil and gas projects in the GCC. The study provides the interaction testing (regression-based and supported by the group comparisons when needed) to determine whether RM reinforces or preconditions the relationship between PMA and PP using the survey data on the project delivery professionals. The results offer evidence of the purpose of RM as a performance enabling capability within an asset intensive and high consequence project setting providing implications on how to enhance delivery reliability and governance within GCC portfolios.

Keywords: O&G Projects, GCC O&G Projects, Agile Project Management, Hybrid Agile Project Management, O&G Project’s Performance, O&G Risk Management, Risk Management Moderating Effect. 

Title: The Moderating Impact of Risk Management on the Relationship between the Project Management Approach and Project Performance of the Oil & Gas Projects in GCC Countries

Author: Eng. Hassn Al Dahhak, Prof. Dr. Nahg Abdul Majid Alawi, Prof. Dr. Mohd Ayman Abdul Salam

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 382-397

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Website: www.researchpublish.com

Published Date: 18-February-2026

Abstract: The level of satisfaction towards E-Banking services offered by Public and Private Sector banks reflects customers’ overall evaluation of digital banking facilities such as internet banking, mobile banking, online fund transfers, and digital payment services. It indicates how effectively these banks meet customer expectations in terms of convenience, security, speed, and service quality. Both Primary and Secondary data has been used for the study. The sample size for the study is 385. The sampling technique is used for the study is Convenience sampling method. The findings of the study shows that 24x7 availability of the bank website secured the highest mean score ranked first, indicating that customers highly value uninterrupted access to banking services.

Keywords: E-Banking, Customer Expectations, Convenience, Service Quality.

Title: Level of satisfaction Towards E-Banking services offered by Public and Private Sector banks

Author: Mrs. Gnana Soundari, Dr.K.Naina Mohammed

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 377-381

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Website: www.researchpublish.com

Published Date: 14-February-2026

Abstract: This research aims to provide directions for various sectors of logistics companies by identifying last-mile practices and analyzing their impact on the operational performance of logistics firms in Parañaque City. The study focuses on last-mile practices and their impact on the operational performance of specific logistics firms in Parañaque City. This study included aspects such as resource utilization, service quality control, lean infrastructure, and environmental impact. The study employed a descriptive and correlational research approach to interpret quantitative data. The researchers used these techniques to determine whether last-mile practices and operational performance were statistically correlated. Purposive and quota sampling methods were used to select 150 participants from 15 participating companies. The participants in the study were the delivery personnel, logistics staff, managers, and supervisors. The findings showed that picking had the highest level of impact in last-mile operations and that there was no significant difference in the impact of last-mile practices on operational performance when grouped according to business profile. Additionally, no significant correlation was found between last-mile practices and operational performance. The study concluded that logistics companies prioritize picking over other last-mile practices. Therefore, it is recommended that they enhance all last-mile practices to improve overall operational performance.

Keywords: Last Mile Practices, Logistics Company, Operational Performance.

Title: Last Mile Practices and Their Impact on the Operational Performance of Selected Logistics Companies in Parañaque City

Author: John Aaron Cortez, Kyle Reyniel Hernandez, Jhenniekha Mae Ordonio, Marizel Poniente, Diana Allyson Wahit, Dr. Mary Grace A. Berico

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 367-376

Research Publish Journals

Website: www.researchpublish.com

Published Date: 13-February-2026