Journal of Advanced Research in Accounting and Finance Management

Empirical Study of Performance of Bank Nifty with Reference to Pre & Post Declaration Union Budget Of India

Dr. Gaurangkumar C. Barot — Mon, 06 Jul 2026 00:00:00 +0000

Purpose: To know the average rate of return of pre- and post-budget positions of Bank Nifty (in NSE) since 2005.

Methodology: After reviewing various kinds of literature related to Bank Nifty. Knowing the pre- and post-budget impact on the share market will affect the whole capital and money market of India. Here, for this study purpose, around two decades of pre & post (30, 15, 7, & 3 days before & after the budget are released) The budget was declared as collected from various related websites of the stock market. This is properly analysed. A suitable statistical test was applied to that data to know the sentiments of the stock market and the investor's investment trends.

Findings: Pre- and post-budget, the average rate of return of Bank Nifty was different. If investors invest for 30 or 15 days and withdraw after 30 or 15 days have passed, it has a positive effect. In case of investment in 07 or 03 days and withdrawal of the same, it has had a neutral or negative effect for the last fifteen years.

Practical implications: This study will be helpful to investors, agents, and banks' CEOs who want to launch IPOs in the market and helpful for trend analysis agencies/brokers.

Originality: The paper is fully original, as secondary data were collected from the official website of NSE. Furthermore, in this area, no research scholars have yet studied this kind of work previously.

Influence of Online Reviews on Consumer Purchase Decisions with Special Reference to Cosmetic Products

N.Karunakaran, Jishna. K — Thu, 06 Aug 2026 00:00:00 +0000

People today buy a lot of things based on what they read online, like reviews and recommendations. This study looked at how user ratings, social media, and star reviews affect what people choose to buy. We used both old and new information. The older one came from books, articles, websites, and other research; for the newer information survey was used.. It is found that online reviews really do influence people's buying decisions. Lots of people said they check reviews before buying cosmetics. They mainly change how they buy things based on product ratings and what other users say. Bad reviews often stop people from buying, while good reviews make them more likely to purchase. The study also showed that social media and star ratings really do change how people think and what they decide to spend money on.. Because of this, we suggest that beauty companies should gather real customer feedback, fix their review systems, run more ads on social media, and be clearer about their products. Doing these things can build trust and help people make better choices. This study shows how online reviews impact decisions when buying cosmetics. As online spaces keep growing, we'll probably see even more online reviews and social recommendations in the future.

Banking and Microfinance: Main Functions, Mechanisms, Effects and Policy Implications

V Basil Hans, Ayush G Kottary — Wed, 08 Jul 2026 00:00:00 +0000

This article discusses the important role of banks in the evolution and extension of microfinance services for the enhancement of financial inclusion of the low-income communities. Banks are the critical intermediates in providing credit, savings, insurance and other financial services to individuals and small businesses that are not connected to the regular banking system. The paper examines the roles of banks in supporting microfinance firms in terms of funding, regulatory advice, technological infrastructure, and risk management methods. It also covers the role of microfinance in poverty reduction, women empowerment, rural development and entrepreneurship generation. But such development has not stopped microfinance from suffering from problems such as expensive operations, difficulties in recovering loans, restricted outreach and regulatory limits. The study concludes that more partnerships between banks, governments and microfinance institutions are necessary to achieve sustained financial inclusion and economic development.

How to cite this article:
Basil Hans V, Kottary A G. Banking and Microfinance: Main Functions, Mechanisms, Effects and Policy Implications. J Adv Res Acct Fin Mgmt 2026; 9(2):7-14.

Impact of influencer marketing on consumer perception among college students of Kasaragod, Keralam

N.Karunakaran, Anjana. P — Thu, 06 Aug 2026 00:00:00 +0000

The rise in social media has brought about changes in the way businesses and customers relate to each other. Influencer marketing has emerged as one of the most effective ways to reach out to the correct audience for the business through internet celebrities. This study seeks to demonstrate the influence of influencer marketing on the audience's behaviour, perceptions, and attitude towards the brands. For this study, 100 students of the college staying in Kasaragod District were taken as a sample and approached personally for collecting information from primary sources. Information from secondary sources was collected from the relevant sources, literature, websites, and books. Analysis was done using percentile ranking, data visualization techniques, data representation in tabular form and the chi-square test. It has been observed that most of the respondents follow the influencers on Instagram and YouTube, ; the latter being visited mostly by them. From the chi-square analysis, it can be said that there is a relationship between influence marketing and consumer perception. Most of the respondents revealed that they get influenced by Instagram and YouTube while buying anything recommended by the influencer.