typinnnnng proposal english 22-4-2013 manasi
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7/30/2019 Typinnnnng Proposal English 22-4-2013 MANASI
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Ph.D. Proposal
A study of Investment Patterns of Working Women Teachers with
respect to Pune M.C. Region
Introduction:
As food with essential nutrients, exercise and sleep are needed for
healthy life. Savings and investments are also necessary for unexpected
future. Saving means we sacrifice ------
Reason for Saving:
1. To meet unexpected future needs. Funds are necessary in order to
meet the consequences in future I like accidents, house renewvation---,
marriages etc.
2. Saving are critical for comfortable retirement. Savings are source of
funds after retirement so that an individual cancontinue adecent and
reasonable life style. Even you stops earnings after retirement.
3. Satisfaction of specific goal. Any individual saves for special purposeslike education of children marriage, house,, construction, holiday by
saving we can satisfy our specific goals.
4. Helps in devel0opment of Countrys Economy Saving Plans important
role individual as well as nations economy, because when we saves
we increase national income and thereby development of economy.
5. Investment:
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Investment in different meaning in finance and economics. In
Economics Investment is related to saving and deferring consumption.
In finance investment. Putting money into something with expectation
of gain usually over longer term. This may or may not be backed by
research and analysis. It is the commitment of funds at present, in
anticipation of some positive rate of return in future.
Today spectrum of investment is indeed wide. An investment is
confronted with basket of in avenues like bank deposits, real estate,
small savings life insurance scheme, billions, commercially papers,
corporate security bonds, mutual funds and equity preferred--- share.
For economic development it is necessary to invest all saving in
a meaningful way. How much money is invested by people out of total
savings, frequency of their investment among all investment in bank
deposits are safest and most preferred by the household and in equity
proportionately are most profitable. Parallely Govt. securities is also
safe but earning on is comparatively low.
Importance of Investment:
When we talk about investment, we refer to the gathering of some kind
of asset in hopes of receiving future revenue from it. Two main motives of
investment.
1. Financial independence First and foremost things is an investment
gives you financial freedom. If you invest your money from beginning
you need not worry about future financial needs. As future is uncertain,
and there may be a situation in your life where you require a large
amount of money to get out of the situation with minimal loss.
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2. Increase in Wealth
Besides making you financial independent, investment makes you rich
also. As you invest more and more money for long time for long time it
will definetly make you more richer. In the present generation it is of
utmost importance to be rich as it gives more benefits in each and
every aspect of your life. So investment increase your returns and atthe same time makes you wealthy.
Why Working Women?
Women constitute above half of the world population their contribution
to the worlds work is about 55% including their unpaid economic activities.
Hence there is every reason that women should plan an equal role in
economic decision making. Women has shown her intelligence and
capabilities in every field. By nature women is identified as better saver. The
decision making process by women for investment purpose, gains its
importance.
Working Women as Teacher:
Teaching is the one of the most popular profession across the globe.
Teachers are an important force in our society. Teaching profession is
accepted by all of Indian states even including small villages by this
profession working can earn good returns as well she can look at her family
issues.
Now a days, Teachers and Professors of schools, colleges earning
handsome salaries as well they can give the time to her family and share the
responsibilities with her husband.
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So attitude of working women teacher towards consumption, savings
and investment would reflect their economic behaviour, which would influence
their profession an education system as well as quality of life.
Why Working Women Teachers in Pune Region ?
From past few decades Pune City is known as educational hub. A large
number of educational institutions was set up in Pune City. It has more than
100 educational institutes and more than nine universities like - Bharatee
Vidyapeeth, Pune University Symbiosis International Institutes and large
number schools also.
Now-a-days Pune has also become a IT and Automobile hub so many
professional. It Institutes along with many management, institutes and B
Schools established in Pune City as well as around 10 kilometer away fromcity.
Therefore there is ample scope for research study of Investment
Pattern and Savings habits of working women teachers in Pune region.
Hypothesis:
1. H0 : Individual characteristics of few working women teachers such as
gender marital status and standard of living on--- determines their
investment decision.
H1 : Individual characteristics of working women teachers such as
gender marital status and standard of living does not determine their
investment decision.
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2. H0 : There is significant relationship between annual income and saving
investment decisions.
H1 : There is no significant relationship between annual income and
investment decision.
3. H0 : Most preferred avenues of investment by working women teachersare bank deposit, and gold and mutual funds.
H1 : There is no significant preferred given to any avenue by working
women teachers.
4. H0 : There is significant relationship between in annual income and
expected rate of return of women teachers.
H1 : There is no significant relationship between annual income and
expected rate of returns of women teachers.
5. H0 : The purpose of investment of all women teachers is for children
education and career, marriage and financial security after retirement.
H1 : -----------------------
6. H0 : Women teachers gives more importance to safety of principle
amount rather than expected rate return.
H2---------- : Women teachers dont give more importance to the safety of
principle amount rather than expected rate of return.
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Research Methodology:
Research methodology is way to systematically solve the research
problem. Therefore for this study researcher has intention to use thequalitative and quantitative research approaches because anyone of these
method cannot be adequate for this research study. For that purpose
researcher will require both primary and secondary data. In order to
understand the investment patterns of working women teacher, researcher
proposed to conduct a survey coupled with questionnaire and personal
interview for data collection.
Savings, saving patterns investment patterns all such things describe
and discussed in previous section. So to understand what are the saving
behaviour and investment patterns of working women teachers, what are
preferred avenues, what are purpose behind investment. Researcher require
large amount of data from large number respondent for that matter survey
method would be appropriate.
Research Design:
Research Design is the logical and systematic planning and directing a
piece of research. Researcher studies the relationship between the variables
which he has identified. For that he will use appropriate research design for
given study.
Defining Universe:
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Universe or census defining is very important task in research study.
The universe or census for this study is all working women teachers of school,
college and professional, educational institutions, in Pune Region. There are
more than 2000 schools, colleges and professional institutions we are taking
only 10% of them and data will be collected from working women teachers.
From selected colleges, schools and educational institute.
Sampelling Technique:
Income, investment savings are personal and confidential information
and everyone may not willing to give such information though it is required for
study purpose. To avoid negative responses researcher will adopt
judgemental sampelling.
Data Collection:
Data is raw information. It plural of word Datum that means to give
Data gives information related to our study. Data can be in any form like
images, words, facts, figures, letters, numbers, data cannot be taken as it is
information it should be analyse interpret in form which is required by
researcher, data collection is very important part of research study if it is not
correct, reliable one cannot obtain valid and useful result from the enquiry.
Collected data makes the pillar for the entire structure of research enquiry.
THE END
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