Journal of Social Welfare and Management

The ever-increasing demand for credit and growing competition has compelled banking and financial institutions to introduce new financial instruments and credit products. However, the rapid growth of credit usage has also resulted in increased incidence of bad debts and defaults. In such a scenario, banking and financial institutions are faced with the dual challenge of being quick in meeting the market expectations by introducing new products and services and faster credit approvals; at the same time ensuring that sufficient care is taken before credit approvals in order to avoid defaults and delinquencies later. It has become very important for lending institutions to undertake due diligence in assessing their customers' creditworthiness before extending credit in order to avoid lending to less creditworthy customers. In this respect, banks and lending institutions use several techniques and technologies in assessing creditworthiness of their customers. The main objective of research is to determine the level of customer satisfaction by different sectors of bank and also to make a comparative study of the promotional strategies of the selected banks.

Keywords:Marketing Practices, Customer Satisfaction, Promotional Strategies

Development is a value laden concept that improves socio-cultural, economic, material and nonmaterial well-being of the society. Anjali Kurane (2005) says “development means increase in material wealth through productivity, increase in social well-being through education, health, improvement in social content of the human life, community feeling, music, art, safety, freedom, opportunity, sense of participation in local, regional and national affairs, depending on the individual interest and preferences”. Though women constitute half of any country's human endowment, they are exploited and marginalized in each and every walk of life such as food, health, education, economy, and political participation and suffer from lack of fundamental needs and amenities. The political empowerment of women is one of the most important aspects in the overall empowerment of women. Even after five decades of the grant of political equality, statistics over the years reveal that while there is visible gender equality at the voter level, gender visibility within the power structures show cause for women concern. Therefore the present study examines the political issues involved in women's development. Pune city was selected for the research as it is characterized by cultural, educational, military, religious and industrial centres. The important areas and suburbs of Pune city such as Pune station, Aundh, Shivajinagar, Kirkee, Pimpri, Yerwada, Nigdi, Bhosari and Chinchwad- were selected as research areas for the study. The present study has focused on Maharashtrian women of Pune and Purposive sampling method was used for the study, were participants were selected with known characteristics. A combination of qualitative and quantitative methods of data collection was used. Quantitative data was collected through pre-tested structured interview schedule. Un-structured interview schedule were employed in group interviews, were the discussions were informal in nature mainly aimed at collecting maximum information. The case study method was also employed for intensive investigation. In India the participation of women in political activities and programs is of recent origin. In the past it was felt that politics was the exclusive field of men but with the development of society, it was felt that women should be encouraged to participate in the political field. It is seen that almost all women under study participated in voting, exercised their vote with lot of independence and did not consult anyone on whom to vote and are aware that each vote is important as it decides the destiny of a party which is a significant change from the traditional days.

Non-government Organization Social organizations operating outside the confines of the market and the State play a significant role in social and economic development. Keywords: (NGO)/Non Profit Organization(NPOs) generally means “any organization not established by government”. Such According to the Society for Participatory Research in Asia (PRIA) , there are nearly 1.2 million nongovernment organizations operating in India, and their total funding in 1999-00 was close to Rs. 18,000 crores that's around one per cent of the country’s GDP. The main source of receipts for NGOs are self generated loans, grants and donations. NGOs face lot of challenges in terms of human resource management, space, funding, marketing, etc. NGOs compete with each other for the same funding source and hence managing an NGO becomes a challenge. Poor marketing strategies resulted in the closure of many small NGOs. “Why can't we sell brotherhood like soap?” was a famous article written on marketing. A non-government organization needs to sell a cause by following the same principles a consumer marketer does. In the full paper we will analyze the strategies adopted by few successful NGOs which are managed by men and women social entrepreneurs in Tamil Nadu.

Keywords: Non Government Organisation (NGO), Non Profit Organisation (NPO), challenges, strategies, funding, net working, social marketing & celebrity marketing.)