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CONSUMER BUYING BEHAVIOR AT JOHN DEERE BIDAR AFROZ 3LA15MBA01

Thesis · August 2017


DOI: 10.13140/RG.2.2.35400.44808

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EXCUTIVE SUMMARY
During the fourth semester of the course each student5 require to work as a trainee in an
organization to gain partial knowledge and to submit a report of the same. In order to fulfill this
requirement a study on KESHAV ENTERPRISES BIDAR was carried out. This requires
coordination at all levels to ensure smooth functioning. This report aims to understand the
functions of JOHN DEERE in relation to different departments.
This is an intense training based on a study of JOHN DEERE PROJECT, a part of tractors
segment worldwide
The study was carried out to cover the following scope:
 Over background of the tractor segment in India
 Profile of JOHN DEERE company
 Detail study in the field of human resource, finance, marketing and production of the
company.
1.1 INTRODUCTION ABOUT INTERNSHIP
 The internship project is taken place at KESHAV ENTERPRISES BIDAR
 The internship project is about CONSUMER BUYING BEHAVIUOR towards on
JOHN DEERE TRACTOR
1.2 TOPIC CHOOSEN FOR STUDY
“CONSUMER BUYING BEHAVIOR”
 Consumer is one who is an actual user of the goods and service, who experiences his
feeling after actual use, if left to consumer to decide for future purchase
 To decide whether customer all satisfied with John Deere products everything depend up
on perceived value of the product by the consumer
 If customer are satisfied they show positive attitude toward the product if not they show
negative attitude above the product which makes them to change shift the brand.
1.3 NEED FOR THE STUDY
Consumer behavior plays a major role for the growth of the company in the modern
market scenario. The basic idea of this study is to find the consumer buying behavior towards
John Deere. The needs have to be recognized and necessary steps have to be taken to make the
changes. India is growing rapidly and changes are dynamic.
1.4 OBJECTIVES OF THE STUDY
 To know market position.
 To know consumer purchase behavior
 To know the customer awareness level
 To know consumer level satisfaction
 To know the behavior of post purchase
1.5 SCOPE OF THE STUDY
 To recognize the preferences of the client in the tractors
 To improve the sold
 To enhance the share of market
 To meet the patron demand
 To find out the hole between consumer expectation and agency services
 It also analysis the benefits taking place to the business enterprise as a result of
those service
1.6 METHODOLOGY ADOPTED
DATA COLLECTION:
1. Source of data
2. Sampling plan
3. Field work
Tools and techniques of data collection
Primary data
Primary method of collecting data through Questionnaire method and interview method
Secondary data
a) Book
b) Company journal and records
c) Internet
Sampling size and methodology adopted
“50” sampling and methodology adopted” questionnaires cum interview method.
1.7 LITERATURE REVIEW
The theme of client behavior is one of the hugely studied subjects via the researchers and
marketers in the past and nonetheless being studied. Researchers exhibit one-of-a-kind motives
as to why purchaser behavior has been the theme of many teachers and researchers. One of the
common views is that understanding client behavior has come to be a issue that has a direct have
an impact on on the universal overall performance of the businesses (Kotler and Keller, 2012).
Another view suggests that grasp patron conduct has grow to be quintessential mainly due to
fierce opposition in retail enterprise in the UK and international (Lancaster et al, 2002). This
chapter will introduce some different areas of lookup background of purchaser conduct
addressing the works of researchers and marketers. Moreover, customer selection making
process, in particular, 5 ranges of patron choice making process will be mentioned in detail.

 Another learn about carried out with the aid of Variawa (2010) analyzed the have
an have an effect on on of packaging on customer resolution making manner for
Fast Moving Consumer Goods. The goal of the research used to be as soon as to
analyze the affect of packaging for resolution making approaches of low-income
consumers in retail purchasing. A survey method has been used in order to attain
the lookup objectives. In a survey carried out in Star Hyper in the town of
Canterville 250 respondents participated. A survey method has been used in order
to attain the lookup objectives. In a survey carried out in Star Hyper in the town
of Canterville 250 respondents participated.
 Lee (2005) carried out study to study the 5 degrees of patron selection making
procedure in the example of China. The researcher focuses on the statistics that
have an effect on the customer decision making manner on buying imported
health meals products, in specific demographic results such as gender, education,
income and marital status.

 Blackwell et al (2006) According to him, the 5 degrees of client decision making


manner are followings: problem/need recognition, statistics search, comparison of
alternatives, buy decision made and post-purchase evaluation.
 This view is also supported by Neal and Questel (2006) mentioning that need
awareness happens due to various factors and situations such as personal, expert
and lifestyle which in flip lead to formation of idea of purchasing.

 Schiff man and Kanuk, 2007 Information search procedure can be inside and
external. While interior search refers to the manner where consumers count
number on their personal experiences and believes
1.8 LIMITATION OF THE STUDY
 When the buyers are busy we can‟t get accurate data from them.
 According to the time limit of our project we can cover only the some area
 During survey some respondent may not give answer in a proper manner.
2.1 INDUSTRY PROFILE
OUR CORE VALUES
We work each and every day to up hold our founder‟s core values. Integrity,
exceptional commitment, and innovation are greater than beliefs we work toward. They
are values we stay and breathe values located in very product, service, and probability
we offer.
OUR LEADERSHIP
The fantastic of an organization is expressed thru the fantastic of its leadership for
almost a hundred seventy-five years, john Deere has benefitted with the aid of ability of
strong, decisive leaders at its helm, committed to the core ideas of integrity, quality,
two commitment, and innovation.
2.2COMPANY PROFILE
BACKGROUND AND INCEPTION OF THE COMPANY
The Deere & corporation (brand identify john Deere) is an American business enterprise
that manufactures agricultural, construction, and forestry machinery, diesel engines, force trains
(axles, transmission, gearboxes) used in heavy equipment, and lawn care equipment. In 2016, it
was listed as 97th in the fortune 500 America‟s rating and used to be ranked 364th in fortune
global 500 ranking in 2016.
John Deere also gives financial offerings and different activities.
Deere is listed on the New York stock exchange beneath the symbols DE. The company‟s slogan
is “nothing runs like a Deere”. And it emblem is a leaping Deere, with the word‟s JOHN
DEERE‟ under it. The emblem of the leaping deer has been used by using this organization for
over one hundred fifty five years. Over the years, the logo has had minor changes and pieces
removed. Some of the older style logos have the deer leaping over a log .the employer makes use
of exceptional logo shades for agriculture vs. Construction Products. the company„s agriculture
products are identifiable through a distinctive color of green paint with the interior border being
yellow. While the building merchandise are identifiable via a colour of black with the deer being
yellow, and the inside border additionally being yellow
2.3 PROMOTERS
 SAMUEL R. ALLEN
 CRANDALL C. BOWLES
 VANCE D. COFFMAN
 ALAN C.HEUBERGER
 DIPAK C. JAIN
 MICHAEL O.JOHANNS
 CLAYTON M. JOHNES
 BRIAN M. KRZANICH
 GREGORY R. PAGE
2.4 VISION ,MISSION AND QUALITY POLICY
VISION
Our vision is to become the first choice in marketing the highest quality agricultural
equipment and providing superior product support .

MISSION
Provide agriculture machinery , implements and irrigation gear two that combines best
performance two with two value two pricing thereby two growing two fine two and
productiveness in the two agricultural quarter two of the two united states of America

QUALITY POLICY
Excellence in Quality is the core cost of John Deere‟s philosophy.
We are dedicated at all degrees to reap high Quality in anything we do, mainly in
our products and service which will meet and exceed customer‟s developing
aspirations through:
 Innovation in Products approaches and services.
 Continuous enchancment in our total management systems.
 Team work and Responsibility.
2.5 PRODUCTS / SERVICES
 5047 D Tractor
 5045 D (45 HP) Tractor
 5042 D (42 HP) Tractor
 5038 Paddling Special Tractor
 5038 D (38 HP) Tractor
 5075 E MFWD Tractor
 E 5065 MFWD Tractor
 5055 E 4WD Tractor
 5075 E 4WD (75 HP) Tractor
2.6 AREA OF OPERATION
GLOBAL
 U.S.A
 GERMANY
 CHINA and WORLD WIDE

REGIONAL
 Bidar
 Basavakalyan
 Gulbarga
 Bangalore
 Mysore
 shivmoga
2.7 INFRASTRUCTURE FACILITY
An overview of our facilities
 More than 6 trained technicians
 State-of-the-art equipment
1. Drinking water facility
2. Toilet facility
3. Hospital facility
4. Insurance
2.8 COMPITITORS INFORMATION

 Kubota tractor
 Mahindra & Mahindra tractor
 Ford tractor
 Sonalik tractor
 Achway Lawnmowers
 HMT
 Tata Motors
2.9 SWOT ANALYSIS
STRENGTHS
 Product portfolio Diverse
 CRM excellent system
 Excellent financial performance

WEAKNESS
 Less market opportunities
 More obligation towards IT networks
OPPORTUNITIES
 Fresh cumulative market
 Tie-up with global companies

THREATS
 Inside competition is in US
 Government and employees regulations
2.10 FUTURE GROWTH AND PROSPECTS
Board – primarily based growth, with most states contributing: regional, Chhatisghad,
Maharashtra , Madhya Pradesh and Rajasthan have grown by 83%, 50%, 43%, and 41%,
yoyo, respectively in 1HFY14. Andhra recovered as well, with 40% yoyo increase on
accurate monsoon. Gujarat, which was once impact with the aid of drought ultimate year,
has been showing fine sign in the ultimate 2-3 months. Karnataka has additionally recovered
in 2q, with positive growth.
2.11 FINANCIAL STATEMENT
BALANCE SHEET ON JOHN DEERE
(Rs. Corers)
2017 2016 2015 2014
Assets
Cash and cash equivalents 4,335.8 4162.2 3504.0 4652.2
Marketable securities 453.5 437.4 1624.8 1470.4
Receivables from an unconsolidated affiliates 16.5 33.3 31.2 59.7
Trade accounts and notes receivable-net 3011.3 3051.1 3758.2 3799.1
Financing receivable-net 23702.3 24809.0 25632.7 22159.1
Financing receivable securitized-net 5126.5 4834.6 4153.1 3617.6
Other receivables 1018.5 991.2 1464.0 1790.9
Equipment on operating leases-net 5901.5 4970.4 3152.2 2527.8
Inventories 3340.5 3817.0 4934.7 5170.0
Property and equipment-net 5170.6 5181.5 5466.9 5011.9
Investments in unconsolidated affiliates 232.6 303.5 221.4 215.0
Goodwill 815.7 726.0 844.8 921.2
Other intangible assets-net 104.1 63.6 77.1 105.0
Retirement benefits 93.6 215.6 551.1 20.2
Deferred income taxes 2964.4 2767.3 2325.4 3280.4
Other assets 1694.0 1583.9 1274.7 1465.3
Total assets 57981.4 57947.6 59016.3 56265.8
Liabilities and stock holder equity

Liabilities

Short-term borrowings 6912.2 8426.6 8788.9 6392.5


Short-term securitization borrowings 5002.5 4590.0 4109.1 3574.8
Payables to unconsolidated affiliates 81.6 80.6 106.9 135.2
Accounts payable and accrued expenses 7240.1 7311.5 8973.6 8988.9
Deferred income taxes 166.0 160.8 160.3 164.4
Long term borrowings 23759.7 23832.8 21577.7 22453.1
Retirement benefits and other liabilities 8274.5 6787.7 5416.7 7694.9
Total liabilities 51436.6 51190.0 49133.2 49403.8

Commitments and contingencies (note 22) 14.0


Redeemable non controlling interest (note 4)
Stock holder’s equity
Common stock,$1 par value (authorized- 3911.8 3825.6 3524.2 3352.2
1,200,000,000 shares; issued -536,431,204 shares
in 2016 and 2015 ,2014,2013), at paid – in amount

Common stock in treasury, 221,663,380 shares in (15677.1) (_15497.6) (10210.9) (8813.8)


2016 and 219,743,893shares in
2015, 2014,2013 at cost
Retained earnings 23911.3 23144.8 19645.6 16875.2
Accumulated other comprehensive income (loss) (5626.0) (4729.4) (2693.1) (4571.5)
Total Deere & company stock holders equity 6520.0 6743.4 10265.8 6842.1
Non controlling interests 10.8 14.2 1.9 19.9
Total stockholder‟s equity 6530.8 6757.6 10267.7 6862.0
Total liabilities and stockholder’s equity 57981.4 57947.6 59521.3 56265.8
3.THEORETICAL BACKGROUND OF THE STUDY
WHO IS CONSUMER?
Consumer are people who act in the ability of consumers, whether or not they devour on their
very own behalf (final consumer) or consumer‟s a necessary phase of these employments in
institutions or industry
CONSUMER BEHAVIOR:-
According to Webster it might also be defined as “All psychological social and physical behavior
of the attainable customers as they come to be aware of evaluate purchases, devour and different
product and services
BUYING BEHAVIOR:
Consumer decision-making varies with the kind buying decision. Complex and costly purchases
are probable to involve more customer deliberation and more participants. As sale unique four
types of client buying conduct primarily based on the degree of customer involvement and the
diploma of differences among brands.
BUYERS CHARACTERISTICS:
To apprehend consumer characteristics we need to understand cultural, social, private and
psychological factors.
 Product characteristics
 Seller characteristics
 Situational characteristics
CHARACTERISTIC OF BUYER BEHAVIORS
 It consists of intellectual and bodily things to do which shoppers undertake to get
gadgets and services and acquire pride from them
 It includes both observable things to do such as strolling via the market to take a appear
at merchandise and making a buy and intellectual
THE THREE FACTORS OF CONSUMERS
 PSYCHOLOFICAL FACTORS
 PERSONAL FACTORS
 SOCIAL FACTORS
CHAPTER-4
DATA ANALYSIS & INTERPRETATION
4.1 Which tractor brand are you using?
Scale No of respondent Percentage
John Deere 36 72
Mahindra 6 12
Ford 4 8
Others 4 8
Total 50 100

80
72
70

60

50

40

30

20
12
8 8
10

0
John Deere Mahindra Ford Others

Interpretation –
From the above graphs it is showing that 72% customer are using John Deere tractor, 12%
Mahindra, 8% ford and 8% others.
4.2 What extent of possibility of buying a John Deere in future?
Scale No of respondent Percentage
Yes 40 80
May be 7 14
No 3 6
Total 50 100

90
80
80

70

60

50

40

30

20 14
10 6

0
Yes May be No

Interpretation-
From the above graphs it is showing that, 80% respondent said yes for buying john deere in
future, 14% may be and remaining 6% are no.
4.3 Factor influenced on purchasing of John Deere tractor?
Scale No of respondent Percentage
Well known brand 26 52

High quality 12 24

High technology 10 20

Others 2 4

Total 50 100

60
52
50

40

30
24
20
20

10
4

0
Well known brand High quality High technology Others

Interpretation-
As per above graphs 52% of customer influenced on purchasing the well known brand, 24% high
quality, 20% high technology and 4% others.
4.4 Road side beak down service?

Scale No of respondent Percentage


Excellent 22 44
Good 20 40
Average 6 12
Poor 2 4
Total 50 100

50
44
45
40
40
35
30
25
20
15 12
10
4
5
0
Excellent Good Averagre Poor

Interpretation-
As per above graphs road side break down service 44% is excellent, 40% is good, 12% average
and 4% is poor.
4.5 Whether people of service station Co-operative?

Scale No of respondent Percentage


Yes 44 88
No 6 12
Total 50 100

100
88
90

80

70

60

50

40

30

20
12
10

0
Yes No

Interpretation-From the above graph it is showing that 88% of customer said yes for company
service is co-operative and 12% of customer said no.
4.6 How many tractors companies Do you know?

Scale No of respondent Percentage


One 1 2
Two 2 4
Three 7 14
More than three 40 80
Total 50 100

90
80
80
70
60
50
40
30
20 14
10 4 2
0
More than three Three two One

Interpretation –
As per above graphs it is found that 80% of respondent know more than three companies
tractors, 14% is three, 4% two and 2% is one.
4.7 Opinion about the advertisement of John Deere?
Scale No of respondent Percentage
Excellent 26 52
Good 14 28
Average 7 14
Poor 3 6
Total 50 100

60
52
50

40

30 28

20
14

10 6

0
Excellent Good Average Poor

Interpretation-
As per above graphs Regarding experience about the advertisement of John Deere, the 52% of
respondents excellently satisfied, 28% of good,16% is Average, and 6% of peoples poorly
satisfied.
4.8 Preferable media of advertisement?
Scale No of respondent Percentage
News papers 22 44
Billboards 13 26
magazines 9 18
Hoardings 6 12
Total 50 100

50
44
45
40
35
30 26
25
20 18

15 12
10
5
0
News papers Billboards Magazines Hoardings

Interpretation-
As per above graphs Regarding Preferable media of advertisement John Deere, the 44% of
respondents are prefer news papers, 26% is bill boards ,18% is Magazines and 12% of
Hoardings.
4.9 Satisfaction level of John Deere Tractor?
Scale No of respondent Percentage
Well known brand 20 40
High quality 13 26
High technology 12 24
Others 5 10
Total 50 100

45
40
40

35

30
26
24
25

20

15
10
10

0
Well know brand High quality High technology others

Interpretation-
From the above graphs 40% of respondents are satisfied through well know brand, 26% is of
high quality, 24% is of high technology and 10% of others .
4.10 How is the service related to road?
Scale No of respondent Percentage
Excellent 26 52
Good 14 28
Average 8 16
Poor 2 4
Total 50 100

60
52
50

40

30 28

20 16

10
4

0
Excellent Good Average Others

Interpretation-
From the above graphs it is found that of 52% respondent said that service on road side
assistance is excellent as 28% respondent said good and 16% said average and remaining 4%
poor.
4.11 Suggestion for changes in John Deere ?
scale No of respondent Percentage
Satisfied 40 80
The price is too high 4 8
The price is too low 4 8
Unsatisfied 2 4
Total 50 100

90
80
80

70

60

50

40

30

20
8 8
10 4
0
Satisfied The price is too high The price is too low Unsatisfied

Interpretation-
As per above graphs Regarding Suggestion for changes in John Deere 80% of respondents
are said satisfied ,8% is the price is very high, 8% is price is too low and 4% are unsatisfied.
4.12 How do you know about John Deere Tractor?

Scale No of respondent Percentage


Television programs 26 52
Friends/Family 10 20
Authorized Dealer 8 16
Others 6 12
Total 50 100

60
52
50

40

30

20
20 16
12
10

0
Television Program Friends/Family Authorized Dealer Others

Interpretation-
As per above graphs 52% customer know about the John Deere tractor through television
program ,20% of people know by friends/family,16% of know by authorized dealer and 12% of
know by others.
5.1 FINDING
 I located that 56% of respondents gave vital for brand while beeging tractors
 I observed the advertisement of John Deere is utterly satisfied by way of 52% of
respondents
 I found 52% of respondents are excellently blissful with on road carrier two
 Most of the consumer use John Deer Compared to different tractor brand
5.2 CONCLUSION
To conclude the summer season task on “CONSUMER BUYING BEHAVIOUR
TOWARDS ON JOHN DEERE TRACTORS”BIDAR. I have acquired both favorable
and unfavourable responses from the respondents. I have met 50 clients of specific places
and accommodated at KESHAV ENTERPRISES BIDAR and findings had been
enlightened to me. The project work has helped in analyzing and perception the
practicalities of organization.
5.3 SUGGESTION/ RECOMMENDATIONS
Since there is an increasing demand for John Deere tractors in the market I informed that,
 Good positioning of John Deere tractors is to be executed to the goal two crew to extend
income of quantity and market share.
 In order to promote sale of automobiles of company undertake massive advertisement
thru exclusive media. As there is a reduce throat opposition from the opponents in the
market, advertisement is must.
 I suggested that John Deere Tractors must grant superb sales carrier to the customers,
which will add to the organisation manufacturer image.
BIBLIOGRAPHY
BOOKS
1. Marketing management - Philip Khotler
2. Principles of Marketing - T.N Chaabra

MAGZINES:
 The business Today

INTERNET BROWSING:

Website:
www.kisanmitra.com
www.Johndeere.com
www.google.com
ANNEXURE
QUESTIONNAIRES
NAME :………………………..
OCCUPATION :……………………….
LOCATION :………………………..
MALE/ FEMALE :………………………..
1 .How many tractors companies do you knows?
a) One b) Two
c) Three d) More than Three
2. Which tractor are you using?
a) John Deere b) Mahindra
c) Ford d) Others
3. What elements do you think are most important when you are buying a tractor ?
a) Brand b) Price
c) Quality d) Others
4. In your opinion how is the advertisement of john Deere Tractor?
a) Excellent b) Good
c) Average d) Poor
5. According to you which is the best media of Advertisement?
a) Billboards b) Hoardings
c) News Paper d) Magazines
6. How do you Evaluate John Deere tractor?
a) Very good b) Good c) Average d) Poor
7. To what Extent is your Possibility to buy a John Deere when you want to buy in future?
a) Definitely yes b) Yes
c) May be d) No
8. What are the factors that influence on your purchasing of john Deere tractor ?
a) Well known brand b) High Quality
c) High technology d) others
9. What do you think of the Performance of John Deere tractor in its Quality according to
your Experience?
a) Excellent b) Good
c) Average d) Poor
10. Do you feel satisfy with price of John Deere tractor?
a) Satisfied b) The price is too high
c) The price is too low d) Unsatisfied
11. Did you take any financial help for the purchasing tractor?
a) Yes b) No
If yes, which type of help………………….
12. How do you know about John Deere tractor?
a) Recommended by friends/ family / experts
b) Television programs
c) Authorized Dealer
d) Others
13. What do you think of the authorized dealer of John Deere tractor according to your
Experience?
a) Excellent b) Good
c) Average d) Poor
14. If you have contacted John Deere for service were all problems solved?
a) Yes b) No
15. What do you Think of the degree of satisfaction of John Deere tractor ?
a) Very satisfied b) satisfied
c) average d) Unsatisfied
16. Based on your Overall experience would you visit this service center again?
a) Yes b) No

17. Whether people of service station co –operative or not?


a) Yes b) No
18. On road break down Service?
a) Excellent b) Good
c) Poor
19. Are you satisfied with KESHAV ENTERPRISES work Employees?
a) Yes b) No

20. Would you like to suggest any changes to be in the John Deere Company?
a) Yes b) No

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International Journal of Science & Engineering Development Research (www.ijsdr.org),
Vol.6, Issue 6, June-2021, page no.1 - 6, , Available
:http://www.ijsdr.org/papers/IJSDR2106001.pdf
10. BHADRAPPA HARALAYYA , P.S.AITHAL , IMPLICATIONS OF BANKING SECTOR
ON ECONOMIC DEVELOPMENT IN INDIA, flusserstudies, Volume 30, June 2021,Page
No:1068-1080, Available at: https://flusserstudies.org/archives/801
11. BHADRAPPA HARALAYYA, P.S.AITHAL, STUDY ON PRODUCTIVE EFFICIENCY
OF FINANCIAL INSTITUTIONS, International Journal of Innovative Research in
Technology, Volume 8, Issue 1, June-2021 ,Page no: 159 – 164, Available:
http://ijirt.org/master/publishedpaper/IJIRT151514_PAPER.pdf
12. BHADRAPPA HARALAYYA , STUDY OF BANKING SERVICES PROVIDED BY
BANKS IN INDIA, International Research Journal of Humanities and Interdisciplinary
Studies (www.irjhis.com), Volume: 2, Issue: 6, Year: June 2021,Page No : 06-12, Available at
: http://irjhis.com/paper/IRJHIS2106002.pdf.
13. BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF BANK PERFORMANCE
USING CAMEL APPROACH", International Journal of Emerging Technologies and
Innovative Research (www.jetir.org | UGC and issn Approved), Vol.8, Issue 5, May-2021,
page no 305-314, Available at : http://www.jetir.org/papers/JETIR2105840.pdf
14. BHADRAPPA HARALAYYA, P.S.AITHAL, ANALYSIS OF BANK PRODUCTIVITY
USING PANEL CAUSALITY TEST, Journal of Huazhong University of Science and
Technology, Volume 50, Issue 6, June-2021 , Page no: 1 – 16, Available at:
https://app.box.com/s/o71lh776opeypauvzucp9esntjwur9zf
15. BHADRAPPA HARALAYYA, P.S.AITHAL, INTER BANK ANALYSIS OF COST
EFFICIENCY USING MEAN, International Journal of Innovative Research in Science,
Engineering and Technology (IJIRSET), Volume 10, Issue 6, June-2021 ,Page no: 6391-6397,
Available at: http://www.ijirset.com/upload/2021/june/97_INTER_NC1.pdf
16. BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF TOTAL FACTOR
PRODUCTIVITYAND PROFITABILITY MATRIX OF BANKS BY HMTFP AND FPTFP,
Science, Technology and Development Journal, Volume 10, Issue 6, June-2021, Page no:
190-203, Available at: http://journalstd.com/gallery/23-june2021.pdf
17. BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF BANKS TOTAL FACTOR
PRODUCTIVITY BY AGGREGATE LEVEL, Journal of Xi'an University of Architecture &
Technology, Volume 13, Issue 6, June- 2021 ,Page no: 296-314, available at:
https://www.xajzkjdx.cn/gallery/28-june2021.pdf
18. Bhadrappa Haralayya, P S Aithal, "ANALYSIS OF BANKS TOTAL FACTOR
PRODUCTIVITY BY DISAGGREGATE LEVEL", International Journal of Creative
Research Thoughts (IJCRT), Volume.9, Issue 6, June 2021, pp.b488-b502, Available at
:http://www.ijcrt.org/papers/IJCRT2106187.pdf
19. Haralayya B. Importance of CRM in Banking and Financial Sectors Journal of Advanced
Research in Quality Control and Management 2021, 6(1): 8-9
20. Haralayya B. How Digital Banking has Brought Innovative Products and Services to India.
Journal of Advanced Research in Quality Control and Management 2021; 6(1): 16-18
21. Haralayya B. Top 5 Priorities That will Shape The Future of Retail Banking Industry in India.
Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 17-18.
22. Haralayya B. Millennials and Mobile-Savvy Consumers are Driving a Huge Shift in The
Retail Banking Industry. Journal of Advanced Research in Operational and Marketing
Management 2021; 4(1): 17-19
23. Haralayya B. Core Banking Technology and Its Top 6 Implementation Challenges. Journal of
Advanced Research in Operational and Marketing Management 2021; 4(1): 25-27
24. Nitesh S Vibhute ; Dr. Chandrakant B. Jewargi ; Dr. Bhadrappa Haralayya . "Study on Non-
Performing Assets of Public Sector Banks" Iconic Research And Engineering Journals
Volume 4, Issue, 12 June 2021, Page 52-61 Available at
https://irejournals.com/formatedpaper/1702767.pdf
25. Haralayya, Dr. Bhadrappa and Saini, Shrawan Kumar, An Overview on Productive Efficiency
of Banks & Financial Institution (2018). International Journal of Research, Volume 05 Issue
12, April 2018, Available at SSRN: https://ssrn.com/abstract=3837503
26. Haralayya, Dr. Bhadrappa, Review on the Productive Efficiency of Banks in Developing
Country (2018). Journal for Studies in Management and Planning, Volume 04 Issue 05, April
2018, Available at SSRN: https://ssrn.com/abstract=3837496
27. Basha, Jeelan and Haralayya, Dr. Bhadrappa, Performance Analysis of Financial Ratios -
Indian Public Non-Life Insurance Sector (April 30, 2021). Available at
SSRN: https://ssrn.com/abstract=3837465.
28. Haralayya, Dr. Bhadrappa, The Productive Efficiency of Banks in Developing Country With
Special Reference to Banks & Financial Institution (april 30, 2019). Available at
SSRN: https://ssrn.com/abstract=3844432 or http://dx.doi.org/10.2139/ssrn.3844432
29. Haralayya, Dr. Bhadrappa, Study on Performance of Foreign Banks in India (APRIL 2, 2016).
Available at
SSRN: https://ssrn.com/abstract=3844403 or http://dx.doi.org/10.2139/ssrn.3844403
30. Haralayya, Dr. Bhadrappa, E-Finance and the Financial Services Industry (MARCH 28,
2014). Available at
SSRN: https://ssrn.com/abstract=3844405 or http://dx.doi.org/10.2139/ssrn.3844405
31. Haralayya, Dr. Bhadrappa, E-payment - An Overview (MARCH 28, 2014). Available at
SSRN: https://ssrn.com/abstract=3844409 or http://dx.doi.org/10.2139/ssrn.3844409 .
32. Bhadrappa Haralayya . "Customer Satisfaction at M/s Sindol Bajaj Bidar" Iconic Research
And Engineering Journals, Volume 4 ,Issue 12, June 2021, Page 157-169 Available at:
https://irejournals.com/formatedpaper/1702792.pdf
33. Bhadrappa Haralayya . "Ratio Analysis at NSSK, Bidar" Iconic Research And Engineering
Journals, Volume 4, Issue 12,June 2021, Page 170-182 Available at:
https://irejournals.com/formatedpaper/1702793.pdf
34. Bhadrappa Haralayya . "Financial Statement Analysis of Shri Ram City Union Finance"
Iconic Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 183-196
Available at: https://irejournals.com/formatedpaper/1702794.pdf
35. Bhadrappa Haralayya . "Employee Job Satisfaction at Big Bazaar" Iconic Research And
Engineering Journals, Volume 4, Issue 12, June 2021, Page 197-206 Available at:
https://irejournals.com/formatedpaper/1702795.pdf
36. Bhadrappa Haralayya . "Effect of Branding on Consumer Buying Behaviour at Vijay Bharat
Motors Pvt Ltd, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June
2021, Page 207-222 Available at: https://irejournals.com/formatedpaper/1702796.pdf
37. Bhadrappa Haralayya . "Study on Customer Perceptions Guru Basava Motors, Bidar" Iconic
Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 223-231 Available
at: https://irejournals.com/formatedpaper/17027972.pdf

38. Bhadrappa Haralayya . "Study on Loans and Advances for DCC Bank Main Branch
Nayakaman, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June
2021, Page 232-242 Available at: https://irejournals.com/formatedpaper/1702798.pdf

39. Bhadrappa Haralayya . "Work Life Balance of Employees at Karanja Industries Pvt Ltd,
Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 243-
254 Available at: https://irejournals.com/formatedpaper/1702799.pdf

40. Bhadrappa Haralayya . "Working Capital Management at TVS Motors, Bidar" Iconic
Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 255-265 Available
at: https://irejournals.com/formatedpaper/1702800.pdf

41. Haralayya, Dr. Bhadrappa, Testing Weak Form Efficiency of Indian Stock Market – An
Empirical Study on NSE (April 30, 2021). Emerging Global Strategies for Indian Industry
(ISBN: 978-81-910118-7-6), 2021, Available at SSRN: https://ssrn.com/abstract=3837488

42. Haralayya, Dr. Bhadrappa, Top 10 Ways to Improve the Communication Skills (JUNE 20,
2016). Available at
SSRN: https://ssrn.com/abstract=3844410 or http://dx.doi.org/10.2139/ssrn.3844410

43. Haralayya, Dr. Bhadrappa, Multi-Inter-Trans Disciplinary Research Towards Management


and Commerce (July 25, 2016). Available at SSRN: https://ssrn.com/abstract=3847404

44. Bhadrappa Haralayya . "Advertising Effectiveness With Reference to Big Bazaar" Iconic
Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 101-110 Available
at: https://irejournals.com/formatedpaper/1702831.pdf

45. Bhadrappa Haralayya . "Analysis of Non Performing Asset on Urban Cooperative Bank in
India" Iconic Research And Engineering Journals, Volume 5, Issue 1,July 2021, Page 111-121
Available at: https://irejournals.com/formatedpaper/1702832.pdf

46. Bhadrappa Haralayya . "Ration Analysis With Reference to DCC Bank" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July 2021, Page 122-130 Available at:
https://irejournals.com/formatedpaper/1702833.pdf

47. Bhadrappa Haralayya . "Consumer Buying Behavior With Reference to Bajaj Auto Ltd"
Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 131-140
Available at: https://irejournals.com/formatedpaper/1702834.pdf

48. Bhadrappa Haralayya . "Sales Promotion With Reference to Yamaha Motor" Iconic Research
And Engineering Journals, Volume 5, Issue 1, July 2021, Page 141-149 Available at:
https://irejournals.com/formatedpaper/1702835.pdf

49. Bhadrappa Haralayya . "Financial Statement Analysis Using Common Size on Mahindra
Sindol Motors" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021 ,
Page 150-159 Available at: https://irejournals.com/formatedpaper/1702836.pdf

50. Bhadrappa Haralayya . "Loans And Advances with Reference to PKGB Bank" Iconic
Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 160-170 Available
at: https://irejournals.com/formatedpaper/1702837.pdf

51. Bhadrappa Haralayya . "Study on Trend Analysis at John Deere" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July 2021, Page 171-181 Available at:
https://irejournals.com/formatedpaper/1702838.pdf
52. Haralayya B, Aithal PS. Study on Cost Efficiency in Indian and Other Countries Experience.
Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 23-30.

53. Haralayya B, Aithal PS. Study on Theoretical Foundations of Bank Efficiency. . Journal of
Advanced Research in Operational and Marketing Management 2021; 4(2): 12-23.

54. Haralayya B, Aithal PS. Study on Profitability Efficiency in Indian and Other Countries
Experience. Journal of Advanced Research in Quality Control and Management 2021; 6(2):
1-10.

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