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Home » MBA Articles » MBA Projects Articles » Investment attitude of B.School students - An analysis with respect to Kerala

Investment attitude of B.School students - An analysis with respect to Kerala

CLICK HERE : Expert Suggestions on Computer Based CAT : 2017 - 2018

Abstract

Investment
is a commitment of funds
made in the expectation of some positive rate of return
.If the investment is properly undertaken, the return will be
commensurate with the risk the investor assumes .This study is all about
finding of investment attitude of
B-School students from their own savings during the
period of study. Another intention of this study is to elucidate
different investment opportunities. 

Key words


Investment, investment attitude, investment opportunities

Introduction

Economic scenario of Kerala

After the introduction of Liberalisatio, Privatisation, and Globalization (LPG) the
Indian
Economy got open up, it changed the economic scenario of
India as well as Kerala. Now there is wide range of investment
opportunities in Kerala to invest in different scenario. This positive
change in investment is not being
restricted by the political or any other types of
constraints. This positive change in attitude is being clearly shown by
the new generations especially the students undergoing professional
courses since they are into the global
scenario like being self dependent like foreign
countries.

Educational status of Kerala

The
educational status of Kerala is totally different from other states of
India .We give more importance to Education
rather than anything .Kerala got attained cent percent
literacy rate, so they are well aware about the economic changes and the
different investment opportunities, even though they are very much
afraid about the risk involved in
investment.

B-Schools

B Schools are
the educational institution that moulds and develop management
Professionals. Its play vital role in the field of Business and its
encourages the aspirants to invest money in
different area. It will provide a platform for
them to identify different investment opportunity. In the present
scenario the different levels of economic sources are considered since
our aim is to make India a developed
country. So each and every aspects of financial
inclusion area has to be considered through which we can achieve our
goal.

In the present scenario, while dealing different areas it
is a thrilling experience to concentrate
the study on the investment attitude of students in the
Kerala scenario. Once again the student category was analyzed and the
specific population was observed to be on the professional students. The
reason behind the same is the
Management professionals students who are passionate in
their future to become self-dependent.

Investment attitude

Investment
attitude means the attitude or behavior shown by the investors to
invest money in
different area to generate income or wealth from
it.Investment can be different scenarios like shares, debentures,
bonds,insurance,mutual funds, bank deposits etc. Even purchasing a text
book itself is an investment since it
empowers the knowledge pool of the individual. Recently
the objective behind investment transformed from profit maximization to
wealth maximization.

New horizon

With
the objective of promoting the investment attitude of students RBI has
undertaken a project. The Reserve Bank of India has undertaken a project
titled "Project Financial Literacy".
The Objective of the project is to disseminate
information regarding the central bank and general banking concepts to
various target groups, including, school and college going children,
women, rural and urban poor, defence
personnel and senior citizens. The project has been
designed to be implemented in two modules, one module in which Money
Kumar will familiarize you with the role and functions of the Reserve
Bank of India; and through the other
module


Research Methodology adopted for the study

Research
is an active, diligent and systematic process of enquiry in order to
discover, interpret, and revise facts, events, behavior or theories or
to make
practical applications with the help of such facts, laws
or theories. In the present analysis the study is based on the data
collected from the candidates of B.Schoools.

Statistical tools applied for analysis

* Percentage analysis
* Correlation analysis
* Hypothesis testing etc.

Data analysis and interpretation

Data
analysis and interpretation is an essential part of any survey based
study. The present study of investment analysis also
uses the same level of data collection and analysis for the same.

The average amount of savings























Category

Respective sample

Percentage(%)

1000

60

60

1000-5000

34

34

5000 above

6

6










Inference


The analysis shows the majority of the sample belongs to
the first category. Being the students, they can be in the first
category due to their personal constraints, and hence they are in the
first category. The
second category belongs to the second category,
Rs.1000-5000/-.

Preference to the type of investment




























Category

Respective sample

Percentage (%)

Bank savings

46

46

Equities

6

6

Mutual Funds

28

28

Insurance

20

20










Inference


The investment preference for the sample was analyzed
and it was interesting to note that the main mode of investment was bank
savings. Here the main category was 46 % and the next category is
Mutual Funds.
The students are aware of the risk involved in
investment and its after effect also.

Preference for the extent of savings.

































Category

Respective sample

Percentage

Less than 5 years

31

31

5-10 years

49

49

10-15 years

10

10

15-20 years

8

8

More than 20 years

2

2










Inference:

The
inference of the same is the main category falls on the 5-10 years,
which has the highest chance for
the extent of payment that the samples prefer to have
the return of payment. The next category falls on less than 5 years. The
third category falls on 10-15 years where the samples are having the
return of
payment after the structuring of their life.

CORRELATION ANALYSIS

In correlation analysis, Spearman's rank correlation coefficient is found out. This is obtained from the formula:


Rank correlation coefficient
When there is no repetition of rank

Where,


                   d = Difference in ranks (R1 - R2)

                   n = Number of respondents


The value of 'r' range from -1 to +1. This method is
used to find the relationship the investment attitude and the type of
payment

Expectations of future returns .



























































 

Decrease of income


    Income to keep pace with inflation



    Increase ahead of inflation



    Fluctu ations in income



    None of the above



    Male



    8



    33



    2



    26



    6



      Female                            


    3



    14



    0



    7



    1



    Rank R1



    3



    1



    5



    2



    4



    Rank R2



    3



    1



    5



    2



    4



    d=R1-R2



    0



    0



    0



    0



    0



    d2



    0



    0



    0



    0



    0











Interpretation:

The
value of 'r' is 1. This means that there is a high positive correlation
between the male and female samples in the case of their expectations
related with the investment.


Hypothesis

H0 : Parameter that captures the attention of the students in investment is the profit for their future
H1
: Parameter that captures the attention of the students in investment is not alone the  profit for their future




































































    Factors


Highly Satisfied

Satisfied

Neither satisfied nor Dissatisfied

Dissatisfied

Highly Dissatisfied


    Mode of payment



    45



    35



    5



    4



    1



    The type of investment



    79



    11



    3



    6



    1



    Net outcome



    74



    16



    5



    4



    1



    Type of payment



    67



    23



    6



    3



    1



    Frequency of payment



    31



    59



    6



    4



    0



    Safety of future



    19



    71



    4



    5



    1



    Period of return



    36



    53



    6



    3



    1





































































































































































































































    OBSERVED



    EXPECTED



    (O-E)2



    (O-E)2/E



    45



    50.14



    26.4196



    0.526916633



    79



    50.14



    832.8996



    16.61147986



    74



    50.14



    569.2996



    11.35420024



    67



    50.14



    284.2596



    5.66931791



    31



    50.14



    366.3396



    7.306334264



    19



    50.14



    969.6996



    19.33984045



    36



    50.14



    199.9396



    3.987626645



    89



    72.85714286



    260.5918367



    3.5767507



    61



    72.85714286



    140.5918367



    1.929691877



    64



    72.85714286



    78.44897959



    1.0767507



    64



    72.85714286



    78.44897959



    1.0767507



    68



    72.85714286



    23.59183673



    0.323809524



    75



    72.85714286



    4.591836735



    0.06302521



    89



    72.85714286



    260.5918367



    3.5767507



    14



    21.85714286



    61.73469388



    2.824463119



    9



    21.85714286



    165.3061224



    7.56302521



    11



    21.85714286



    117.877551



    5.39309057



    17



    21.85714286



    23.59183673



    1.079365079



    36



    21.85714286



    200.0204082



    9.151260504



    41



    21.85714286



    366.4489796



    16.76563959



    25



    21.85714286



    9.87755102



    0.451914099



    2



    5



    9



    1.8



    1



    5



    16



    3.2



    1



    5



    16



    3.2



    2



    5



    9



    1.8



    15



    5



    100



    20



    14



    5



    81



    16.2



    0



    5



    25



    5



    0



    0.142857143



    0.020408163



    0.142857143



    0



    0.142857143



    0.020408163



    0.142857143



    0



    0.142857143



    0.020408163



    0.142857143



    0



    0.142857143



    0.020408163



    0.142857143



    0



    0.142857143



    0.020408163



    0.142857143



    1



    0.142857143



    0.734693878



    5.142857143



    0



    0.142857143



    0.020408163



    0.142857143


   

    TOTAL



    176.8480036




2 = 176.8480036

Table value for 24 degrees of freedom








    24



    36.42




Inference:

Hence
the table value of 20 degrees of freedom is less than the calculated
value, the null hypothesis is
rejected. This means that the alternate hypothesis has
to be accepted Parameter that captures the attention of the students in
investment is not alone the profit for their future

Findings & Suggestions


  • The analysis shows the majority of the sample
    belongs to the first category. Being the students, they can be in the
    first category due to their personal constraints, and hence they are in
    the first category.

  • The investment preference for the sample was
    analyzed and it was interesting to note that the main mode of investment
    was bank savings.

  • There is a high positive correlation between the
    male and female samples in the case of their expectations related with
    the investment.

  • From the hypothesis testing Parameter that captures the attention of the students in investment is not alone the profit for their future


Conclusion

The analysis
clearly shows the attitude of the students towards the investment. The
main thing behind
this research is to motivate the youth of our state via
nation to develop the investment attitude through which the future of
the same can be established to a higher extent. The inhibition for
investment can be
rectified so that this will pay more attention towards
investment so that more students can be incorporated for payment through
which economic development of the country can be achieved.

Bibliography


  • Zavi Bodie, Alex Kane.Alan J Marcus & Pitabas Mohanty,Investments,pp1-10,(2009),TMH,8th edition
  • Security Analysis and Portfolio Management ,pp 1-12 (2009),Donald E Fischer & Ronald J Jordan, person publications ,6th  edition.
  • Investment Analysis and Portfolio Management, pp 10-32 (2009),Reilly & Brown,Thomson ,8th edition
  • C.R.Kothari,"Research Methodology" pp.184- 283. (2003)New Age International





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