Journal of Science Engineering Technology and Management Science

It is also emerging that financial literacy has emerged to be a critical determinant to characterize individual financial well being and universal economic growth, particularly in a region where socialeconomic diversity is so high. National agrarian region of semi urban area Vidarbha in Maharashtra is a region that has its own problems and opportunities to translate financial knowledge to productive behaviour in the field of financial management. The present paper is dedicated to researching the relationship between personal finance behaviour and financial literacy and different socio-economic layers in Vidarbha and disparities in finance literacy and behaviour based on variable income, education, profession and rural/ urban setting. The research scales dimensions of financial literacy as linked to basic financial literacy, financial product awareness, budgeting skills, savings behaviour, investment choice and debt management behaviours on primary data collected on a structured questionnaire. The level within which the actual financial decision-making may be driven by the financial literacy is determined with the help of statistical data like descriptive analysis, correlation and inferential measures. The findings show that socio-economic groups vary significantly in as far as financial literacy and financial behaviour is concerned whereby a higher degree of literacy is associated with judicious financial behaviour such as saving habitually, investing wisely and low usage of credit in prudent way. However, there is one more factor, listed in the study, which is the gap in knowledge and action where the financial awareness does not always translate into positive financial behaviour particularly among the respondents with lower income and in rural localities. The paper identifies the need of the context-based, policy-imposing financial education and interventions in order to increase the financial ability and sustainable personal finance behaviour in the Vidarbha region.

Keywords : Financial Literacy; Personal Finance Behaviour; Socio-Economic Groups; Financial Decision-Making; Knowledge–Action Gap; Vidarbha Region

Author : Nagamani Sambarapu, Dr. Laxman Gaikwad

Title : FROM KNOWLEDGE TO ACTION: FINANCIAL LITERACY AND PERSONAL FINANCE BEHAVIOUR AMONG DIVERSE SOCIOECONOMIC GROUPS IN VIDARBHA

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 1-7

There is a drastic change in the performance management systems in the Indian organizations due to the rapid adoption of artificial intelligence (AI). The data analytics, machine learning, and automation enabling the performance management services offered by AI make both appraisals, real-time feedbacks, and employee development more accurate. As much as such can be the case benefits, there are numerous challenges which organizations face during the implementation. The significant organizational concerns associated with AI-performance management practice have been investigated in this paper (after data privacy) in India because of algorithmic bias, lack of transparency, employee opposition, lack of competency, and limiting nature of their infrastructures. To establish the worst possible challenges that affect successful adoption, the research uses the statistical methods of the factor analysis and the regression form of the statistical method, utilizing primary data retrieved among managers and employees working in the chosen service and manufacturing organizations. It turns out that the effectiveness of AI-based performance regimes is significantly affected by ethical issues, a lack of trust, and a problem with the insufficient readiness of AI. The paper contributes to the emerging AI in human resource management and also proposes in part with implications on policymakers and those in the field to formulate responsible, transparent and inclusive AI-based performance management systems in the Indian context.

Keywords : Artificial Intelligence; Performance Management; Human Resource Analytics; Algorithmic Bias; Data Privacy; Employee Trust; Organizational Challenges; India

Author : Roma Kumari Gupta, Dr. Chandrabhan M. Tembhurnekar

Title : AI-ENABLED PERFORMANCE MANAGEMENT PRACTICES IN INDIA: AN EMPIRICAL ANALYSIS OF ORGANIZATIONAL CHALLENGES

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 8-14

In the present paper, the authors will analyze how the processes of knowledge management, (i.e. both in knowledge creation, sharing and application) influenced development of an organization with respect to the Indian public sector banking institutions. In an extremely dynamic digital world, evolving customer needs, and the competitive world, good knowledge dynamics has been a necessity keeping a particular institution or not. The study draws on qualitative and quantitative data collected among the employees, managers and knowledge-work systems in one sample of the public sector banks to understand how this knowledge processes are systematized, facilitated and utilized to improve different areas of innovation, operational performance and strategic decision making. The paper examines how organizational culture, technology infrastructure, human resource practices and support of the leader has an impact in the creation of knowledge flows. It has also been unveiled that the establishment of knowledge frames, open practice of sharing and application Culture highly advance the quality of the services, competence of the employees and adaptive capacity thereby fostering sustainable development. The paper contribution to the literature besides practice is in the fact that it identifies the most critical enablers of and obstacles to the knowledge dynamics within the setting of the public banking organization and recommends practically to the policy makers and leaders in the banking industry to improve their competitive advantage by smarter management of their knowledge.

Keywords : Knowledge Creation, Knowledge Sharing, Knowledge Application, Organizational Growth, Public Sector Banks

Author : M. Sangeetha, Dr. Laxman Gaikwad

Title : THE DYNAMICS OF KNOWLEDGE CREATION, SHARING, AND APPLICATION IN FOSTERING ORGANIZATIONAL GROWTH IN INDIA’S PUBLIC SECTOR BANKING

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 15-21

Companies Act, 2013 has brought about the introduction of mandatory CSR which has greatly increased corporate contributions towards social development in India. With this expansion, availability of corporate CSR funds has not been evenly divided especially among small and grassroots non-governmental organisations (NGOs). This paper will explore how small NGOs can be incorporated to access CSR funds, how these barriers can be identified as key institutional, administrative and strategic barriers to their involvement and how the inclusiveness in CSR funds distribution can be increased. The mixed-method design approach based on secondary analysis of CSR expenditure data and primary data on small NGOs and CSR stakeholders reveals that large NGOs and corporate foundations heavily dominate CSR funds and small NGOs are given a disproportionate share. Major constriction is observed in complex requirements of compliance, limited organisational capacity, limited duration of funding, limited level of expenditure on overheads. The paper emphasizes the significance of simplified compliance systems, capacity-building infrastructure, pooled funding frameworks, and long-term relationships in improving the access to CSR resources by the small NGOs. The findings are added to the existing body of literature on the issue of CSR governance and cross-sector relations and provide a set of recommendations useful to a policy maker and corporate managers to enhance grassroots engagement and developmental impact of CSR activities in India.

Keywords : Corporate Social Responsibility, Small NGOs, CSR Fund Management, Corporate– NGO Partnerships, Inclusive Development, etc

Author : Amit Arun Sahu, Rampraksh O. Panchariya

Title : ACCESS TO CORPORATE CSR FUNDS BY SMALL NGOS IN INDIA: OPPORTUNITIES, CHALLENGES, AND STRATEGIC PATHWAYS

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 22-27

Organizational safety culture has been admittedly becoming a critical element of the issue affecting not only the well-being of employees but also their productivity. This paper will discuss the issue of organizational safety culture on productivity through analysis of some of its most important dimensions including management commitment to safety, safety communication and training, employee safety behaviour, and the psychosocial safety environment. The primary data was gathered through a structured questionnaire, using a quantitative research design, that comprised of studying the answers of employees working in selected organizations, and thematic questions on the indicators of productivity, and secondary data was utilized in this study. Statistic tools were used to test the formulated hypothesis that included descriptive analysis, correlation, and regression. The results confirm that there is a positive and substantial relationship between organizational safety culture and productivity with employee safety behaviour and management commitment as the best predictors. The paper concludes that it is possible to build a strong safety culture that helps to minimize disruptions at the workplace, increases employee involvement, and improves efficiency. The findings indicate strategic significance of safety culture as an engine of attainable organizational productivity

Keywords : Organizational safety culture, Organizational productivity, Safety behaviour, Management commitment, Workplace safety, Employee performance

Author : Moreshwar Kudkilwar, Prof.(Dr) Nirzar Kulkarni

Title : ORGANIZATIONAL SAFETY CULTURE: A KEY FACTOR OF ORGANIZATIONAL PRODUCTIVITY

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 28-34

The growing complexity of cloud computing environments, characterized by dynamic workloads and resource fluctuations, demands innovative approaches to load balancing. Traditional algorithms often fall short in efficiently handling the diverse and unpredictable traffic patterns, leading to performance bottlenecks, underutilized resources, and increased SLA violations. To address these limitations, this study proposes the Dynamic Weighted Live Migration (DWLM) model, a novel AI-powered approach aimed at optimizing load balancing in cloud systems. The DWLM model integrates dynamic weight assignment based on real-time system performance metrics, enabling adaptive resource allocation and load distribution. By leveraging live migration techniques, the proposed model enhances system throughput, scalability, availability, and reliability while minimizing migration overhead and reducing SLA violations. Experimental results demonstrate that DWLM outperforms traditional methods, providing significant improvements in resource utilization and cloud infrastructure efficiency. This work presents a step forward in cloud load balancing, offering a robust solution for handling the complexities of modern cloud computing environments with AI-driven adaptability and proactive scaling capabilities.

Keywords : AI-powered load balancing, Dynamic Weighted Live Migration (DWLM), cloud computing, scalability

Author : L .Rushi Keswar Reddy, S.K. Tyagi

Title : AI- POWERED LOAD BALANCING FOR CLOUD COMPUTING: A STUDY ON EFFICIENCY AND SCALABILITY

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 35-41

Based on the analysis of the error backpropagation algorithm, we propose an innovative training criterion for deep neural networks to achieve maximum interval minimum classification error. This criterion enhances the training process by optimizing the classification performance. In addition, we analyze and combine the cross-entropy loss function with the Modified Multi-Class Cross-Entropy (M3CE) loss function to achieve better classification results. The proposed M3CE-CEc model was tested on two deep learning standard databases, MNIST and CIFAR-10. Experimental results demonstrate that M3CE significantly improves the cross-entropy loss function, serving as an effective supplement to traditional cross-entropy. Our approach, M3CE-CEc, yielded strong performance on both datasets, showing its efficacy in improving image classification tasks.

Keywords : Deep Neural Networks, Image Classification, Backpropagation, Cross-Entropy, M3CE, M3CE-CEc, MNIST, CIFAR-10.

Author : Vishwabrahma Shilpa, S.K. Tyagi

Title : Advancements in Image Classification: A Deep Convolutional Neural Network Approach

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 42-50

The increasing diversity of the global workforce has transformed organizational structures and management practices across industries. Organizations today employ individuals from diverse cultural, ethnic, gender, educational, and professional backgrounds, creating opportunities for innovation, creativity, and enhanced problem-solving capabilities. However, managing diversity effectively requires organizations to foster equitable and inclusive work environments that support employee well-being and organizational commitment. Employee commitment represents a critical factor influencing organizational performance, productivity, retention, and long-term sustainability. Employees who feel valued, respected, and included are more likely to demonstrate stronger emotional attachment to their organizations and contribute positively to organizational goals. Equity and inclusion have emerged as central components of modern human resource management and organizational development strategies. Workplace equity refers to fairness in policies, procedures, opportunities, rewards, and treatment of employees regardless of their demographic characteristics. Inclusion, on the other hand, focuses on creating an environment where employees feel respected, accepted, and empowered to contribute their unique perspectives. Together, equity and inclusion help establish positive workplace cultures that encourage employee engagement, trust, collaboration, and commitment. Research suggests that employees who perceive high levels of fairness and inclusion are more likely to exhibit stronger organizational commitment and lower turnover intentions. Inclusive workplaces support employee motivation by promoting psychological safety, reducing discrimination, and encouraging participation in decision-making processes. Furthermore, equitable treatment strengthens trust in organizational leadership and reinforces perceptions of organizational justice. These factors contribute to higher levels of job satisfaction, engagement, and organizational loyalty. Despite the recognized benefits of equity and inclusion initiatives, organizations often face challenges related to unconscious bias, discrimination, resistance to change, and implementation difficulties. Understanding the relationship between equity, inclusion, and employee commitment is therefore essential for developing effective diversity management strategies and improving organizational outcomes. This study examines employee commitment in diverse work environments and investigates the role of equity and inclusion in influencing organizational commitment. A quantitative research approach is employed to analyze employee perceptions regarding workplace fairness, inclusiveness, engagement, and retention intentions. Statistical techniques are used to evaluate relationships among key variables. The findings are expected to provide valuable insights for managers, human resource professionals, policymakers, and researchers seeking to promote inclusive workplace cultures and strengthen employee commitment in increasingly diverse organizational environments.

Keywords : Employee Commitment, Workplace Diversity, Equity, Inclusion, Employee Engagement, Organizational Commitment, Diversity Management, Human Resource Management.

Author : Dr. M. Kavitha

Title : EMPLOYEE COMMITMENT IN DIVERSE WORK ENVIRONMENTS: THE ROLE OF EQUITY AND INCLUSION

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 51-59

Environmental, Social, and Governance (ESG) investing has emerged as one of the most significant developments in modern financial markets. Investors are increasingly considering non-financial factors alongside traditional financial metrics when making investment decisions. ESG integration involves incorporating environmental sustainability, social responsibility, and corporate governance considerations into investment analysis and portfolio management processes. Growing awareness of climate change, social inequality, corporate ethics, and sustainable development has encouraged both individual and institutional investors to adopt responsible investment strategies. Consequently, ESG investing has evolved from a niche investment approach into a mainstream component of global financial markets. The increasing emphasis on sustainable finance has transformed the way investors evaluate investment opportunities and manage portfolio risks. Environmental factors such as carbon emissions, resource utilization, renewable energy adoption, and environmental compliance have become important considerations in assessing corporate performance. Similarly, social factors including employee welfare, diversity, community engagement, and human rights practices influence investor perceptions of organizational sustainability. Governance factors such as board independence, transparency, accountability, and ethical leadership further contribute to investor confidence and long-term value creation. Together, these dimensions form a comprehensive framework for evaluating corporate responsibility and sustainability performance. Investor preferences regarding ESG integration are influenced by various economic, ethical, demographic, and behavioral factors. Some investors prioritize ESG considerations due to personal values and social responsibility objectives, while others focus on the potential financial benefits associated with sustainable business practices. Research suggests that companies demonstrating strong ESG performance often exhibit enhanced risk management capabilities, improved stakeholder relationships, and greater long-term resilience. These characteristics may positively affect investment returns and portfolio stability. Despite the growing popularity of ESG investing, several challenges remain. Inconsistent ESG reporting standards, data quality concerns, greenwashing practices, and varying regulatory frameworks create difficulties in evaluating ESG performance accurately. Understanding investor preferences and decisionmaking processes is therefore essential for promoting effective ESG integration and sustainable investment practices. This study examines ESG integration in investment portfolios and investigates investor preferences regarding sustainable investing. A quantitative research approach is employed to analyze the influence of environmental, social, and governance factors on investment decisions. Statistical techniques are utilized to evaluate relationships among ESG awareness, investment intentions, and perceived portfolio performance. The findings are expected to provide valuable insights for investors, portfolio managers, policymakers, and financial institutions seeking to strengthen sustainable finance practices and support long-term responsible investment strategies.

Keywords : ESG Investing, Sustainable Finance, Responsible Investment, Investor Preferences, Portfolio Management, Environmental Sustainability, Corporate Governance, Social Responsibility

Author : Dr. M. Rama

Title : ESG INTEGRATION IN INVESTMENT PORTFOLIOS: A STUDY OF INVESTOR PREFERENCES

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 60-68

The rapid advancement of digital technologies has transformed the way businesses interact with customers, leading to the emergence of omnichannel strategies as a critical component of modern marketing and retail management. Omnichannel strategies involve the seamless integration of multiple customer interaction channels, including physical stores, websites, mobile applications, social media platforms, customer service centers, and digital marketplaces. Unlike multichannel approaches that operate channels independently, omnichannel strategies focus on creating a unified and consistent customer experience across all touchpoints. As consumer expectations continue to evolve, organizations increasingly recognize the importance of delivering integrated and personalized experiences that enhance customer satisfaction and foster long-term relationships. Customer experience has become a key determinant of organizational success in highly competitive markets. Modern consumers expect convenience, personalization, accessibility, and consistency throughout their purchasing journey. Omnichannel strategies enable businesses to meet these expectations by providing customers with flexible interaction options and synchronized information across channels. Features such as click-and-collect services, personalized recommendations, integrated loyalty programs, and real-time customer support contribute to improved customer experiences and stronger brand engagement. The adoption of omnichannel strategies offers several benefits for organizations, including increased customer satisfaction, improved loyalty, enhanced brand perception, and higher sales performance. Customers who engage with brands through multiple integrated channels often demonstrate greater purchasing frequency and stronger emotional connections with organizations. However, implementing omnichannel systems also presents challenges related to technology integration, data management, privacy concerns, and maintaining consistency across customer touchpoints. Understanding the relationship between omnichannel strategies and customer experience is therefore essential for businesses seeking to improve customer engagement and competitive advantage. This study examines how omnichannel strategies influence customer experience and investigates the factors contributing to customer satisfaction and loyalty in omnichannel environments. A quantitative research approach is employed to analyze customer perceptions regarding channel integration, personalization, convenience, and service quality. Statistical techniques are utilized to evaluate the relationship between omnichannel practices and customer experience outcomes. The findings are expected to provide valuable insights for marketing professionals, business managers, and researchers interested in enhancing customercentric strategies and improving organizational performance through effective omnichannel management.

Keywords : Omnichannel Marketing, Customer Experience, Customer Satisfaction, Customer Loyalty, Digital Commerce, Channel Integration, Consumer Behavior, Customer Engagement

Author : NSL. Praveena

Title : EXPLORING THE RELATIONSHIP BETWEEN OMNICHANNEL STRATEGIES AND CUSTOMER EXPERIENCE

Volume/Issue : 2025;02(7(S)-ICCMT)

Page No : 69-77