Course RESEARCH METHODOLOGY M COM SEM III PROJECT

Course RESEARCH METHODOLOGY M. COM SEM III PROJECT WORK CMA Dr. Kinnarry Thakkar Ph. D. , ACMA, C. S. , M. B. A. (Finance), M. Com. Associate Professor, Department of Commerce, University of Mumbai

WHAT IS QUALITY RESEARCH PAPER • Mere providing Information is NOT RESEARCH but FINDING OUT SOMETHING UNKNOWN. • Identifying GAP from existing Literature Review • Authentication of Data through Statistic • Concluding with the facts discovered and scope for further study. Analysis

STRUCTURE OF RESEARCH PAPER ABSTRACT AN INTRODUCTION OBJECTIVES OF THE RESEARCH STUDY HYPOTHESIS OF THE STUDY RESEARCH METHODOLOGY DATA ANALYSIS AND INTERPRETATION SCOPE FOR FURTHER RESEARCH CONCLUSIONS AND RECOMMENDATIONS

INTRODUCTION • Subject background • Topic background • Motivation for selecting the problem • Broad frame work and overview • Eg -, Supply chain Management, Mutual Funds This is to convey the rationale of your proposed work and should give a background setting which has promoted you to do work. Some studies and data must support this

Most Important part of the research study Crux of the entire research Organized According to either authors, geography, variables or chronology Sources – Books, Research articles from reputed journals, reports carried by government or agencies Sources should be cited immediately after the chapter and not in the end in the same order of reviews LITERATURE REVIEW

Divide it into different sections: Section 1 - ROL relating to Conceptualization of Financial Inclusion Section 2 - Delineation of Financial Inclusion and Literacy Section 3 - Reports of Financial Inclusion at Global, National and State/ Regional Level Section 4 - Challenges and Divergent Reviews Section 5 - Gap Analysis LITERATURE REVIEW

FRAMING OBJECTIVES • To Determine Do you want to Explore • To Evaluate • Defining each term you are using • To Compare • Objectives should be RELEVANT and possible to Measure • To Establish co-relationship between • To Analyze • Maximum 5 objectives • Last Objective- Suggestions & Recommendations • What • To Examine • To Understand • To Find • To Identify

A Hypothesis is tentative generalization the validity of which remains to be tested.

HYPOTHESES OF THE STUDY Plural form of hypothesis Every objective should have a corresponding hypothesis In case of minor research 3 hypotheses are considered apt Operational definitions need to be supplemented Basis of hypothesis framed – 2 -3 sentences

Operational Definitions Financial Inclusion: A) Penetration of financial products: 1. Branch Penetration, 2. Deposit Penetration and 3. Credit Penetration B) Financial Literacy 1. Attitude 2. Behavior 3. Knowledge

LET’S PRACTICE Case 1 - “A Study on Extent Of Financial Inclusion in Maharashtra State With Reference to Konkan Division

CASE 1 - OBJECTIVES OF STUDY 1. To study the trends in the level of banking services offered by Scheduled Commercial Banks (SCB) in the Rural Konkan Division of Maharashtra during the period 2005 -2015. 2. To identify the existence of significant disparity in the level of banking services offered by SCB amongst the districts in the Rural Konkan Division of Maharashtra during the period 2005 -2015. 3. To establish co relationship between the level of financial literacy and usage of financial products.

4. To identify the existence of significant difference in the level of financial inclusion amongst the districts in the Konkan Division. 5. To study the co relationship of bank account holdings and level of financial inclusion. 6. To develop a regression model to predict the level of financial inclusive score of the individuals in the similar socio economic profile. 7. To make recommendations for designing strategies that would strengthen the current policies.

HYPOTHESIS OF THE STUDY H 01 - There is no significant increase in the level of banking services in the Rural Konkan Division of Maharashtra Ha 1 -There is significant increase in the level of banking services in the Rural Konkan Division of Maharashtra H 02 - There is no significant difference in the availability of banking services by scheduled commercial banks in the rural areas of Konkan division. Ha 2 - There is significant difference in the availability of banking services by scheduled commercial banks in the rural areas of Konkan division.

H 03 - There is no significant correlation between level of financial literacy and usage of financial product. Ha 3 - There is significant correlation between level of financial literacy and usage of financial product. H 04 – There is no significant difference between the levels of financial inclusion across the districts of Konkan division. Ha 4 – There is significant difference between the levels of financial inclusion across the districts of Konkan division. H 05 - There is no significant correlation between bank account holdings and level of financial inclusion. Ha 5 - There is significant correlation between bank account holdings and level of financial inclusion.

Objectives 1. To study the trends in the level of banking services. 1. There is significant increase in the level of banking services. 2. To identify the existence of significant disparity in the level of banking services. 2. There is significant difference in the availability of banking services. 3. To establish co relationship between the level of financial literacy and usage of financial products. 3. There is significant correlation between level of financial literacy and usage of financial product Hypothesis

Objectives 4. To identify the existence of significant difference in the level of financial inclusion 5. To study the co relationship of bank account holdings and level of financial inclusion. Hypothesis 4 There is significant correlation between level of financial literacy and usage of financial product. . 5. There is significant correlation between bank account holdings and level of financial inclusion.

RESEARCH METHODOLOGY Components • Brief overview about importance of research methodology (past tense ) • Sources of Data – Secondary and Primary Both • Details about what type of secondary data Annual Reports, NSSO survey reports, Economic survey, RBI published data etc • Sample Size Sampling Method Details of Sampling – Area , No of respondents Data Collections Tools – Structured questionnaire, Discussion Group etc Validation of questionnaire – Using Reliability tests

PRESENTATION OF DATA • Collect data ◦ e. g. , • Present data ◦ e. g. , • Survey Tables and graphs Summarize data ◦ e. g. , Sample mean =

An Overview of different tests used to test hypotheses of the study For bar charts and diagrams - Source and table/ graph number should be mentioned Use ONLY THE REQUIRED DATA Linking data with research objectives

CONCLUSION A Birds Eye view of the Entire Research Conclusion on standalone basis answers to What was done? How it was done? What did you understand ?

REFERNCES • What should reference? All Sources Of Information Used In Writing Your Research Work • What is a citation? - acknowledging others’ work in your work - referring to them individually - using a direct quotation

IN-TEXT REFERENCING SYSTEMS Harvard system APA system In text reference Davis and Mc. Kay (1996, p. 112) note that it is important to be flexible about the system of referencing and adopt whichever style is appropriate. Full reference Davis, L. B. and Mc. Kay, S. 1996, Structures and Strategies: An introduction to Academic Writing, Macmillan Education Australia, MLA Melbourne. system In text reference Davis and Mc. Kay (1996) note that it is important to be flexible about the system of referencing and adopt whichever style is appropriate (p. 112). Full reference Davis, L. B. & Mc. Kay, S. 1996, Structures and Strategies: An introduction to Academic Writing, Melbourne: Macmillan Education Australia. In text reference Davis and Mc. Kay note that it is important to be flexible about the system of referencing and adopt whichever style is appropriate (112). Full reference Davis, Lloyd and Susan Mc. Kay. Structures and Strategies: An introduction to Academic Writing. Melbourne: Macmillan Education Australia, 1996.

Styles for already included references Op. cit (opere citato)- This refers to the work previously referenced & therefore give authors and date & if necessary the page number. Gupta (2014) op. cit pp 200 Loc. cit (Loco Citato) – in the work cited. This refers to the same page of a work previously referenced. Gupta (2014) loc. cit Ibid (ibidem)- the same work given immediately before. It replaces all details other than a page number

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