Journal of Advanced Research in Quality Control & Management

Experience of Insured Patients with Cashless Treatment Facilities

Debalina Chowdhury, Md Mubashsir Rashid — Tue, 02 Jun 2026 00:00:00 +0000

Background: Health insurance has become a key tool of financial security against escalating healthcare expenses, especially with cashless treatment centres that do away with initial payments on insured patients. Although it has its benefits, the experiences of patients who undergo cashless treatment are still affected by various factors, such as the insurance procedures, quality of the hospital services, and the financial aspects, and it is essential to investigate the determinants of the issue holistically.

Aim: The study aims to examine the impact of insurance system processes on insured patients’ experience with cashless treatment facilities, analyse the relationship between hospital service factors and patient satisfaction, and assess the influence of cost on trust perception.

Methodology: The research design to be used in the study is a descriptive and analytical study with primary data being collected through insured patients who received cashless treatment in the selected hospitals. A structured questionnaire based on a five-point Likert scale was used to collect data. To examine the relationship between variables, SPSS was used to test the relationships between variables using descriptive statistics, correlation analysis, multiple regression and ANOVA.

Results: The results indicate that patient experience is considerably positively affected by insurance system processes and accounts for 52.9% of the variation. Reasonable waiting time, helpful staff, and a prompt discharge are all the factors that have a significant impact on satisfaction, and the rest of the factors are negligible in hospitals. The research also concludes that the cost factor does not have a significant influence on the perception of trust, and there are no significant differences in experience between groups.

Conclusion: The study finds that operational efficiency of insurance processes and service delivery is a critical factor in improving patient experience and satisfaction in cashless treatment systems, and cost has a lesser impact on trust. There is the need to enhance collaboration between healthcare providers and insurers to enhance patient outcomes.

Servqual Model for Customer Satisfaction in Hotels in Jhapa, Nepal

Bikash Koirala — Fri, 05 Jun 2026 00:00:00 +0000

Jhapa District in Nepal is one of the key strategic tourism and business gateways, but its hotel sector has some long-term issues concerning the standardisation of service quality and its largely absent systematic measurement systems. This study uses the SERVQUAL model to find out the relationship among five popular major dimensions of service quality, including tangibles, reliability, responsiveness, assurance, and empathy, to determine their influence on customer satisfaction. A cross-sectional survey research design based on a quantitative approach was used to gather the data involving 384 customers linked to 17 hotels in some of the largest regions of Jhapa, such as Birtamod and Damak. The statistical analysis was performed using SPSS 25, and it was found that all five dimensions are strongly and positively related to customer satisfaction (i.e., p < .001). The multiple linear regression analysis also suggests that the model of SERVQUAL accounts for 82.7% of the variation in satisfaction (R² = .827). Among the predictors, responsiveness (b = .257) is discovered to be the strongest dimension, with tangibles (b = .236) and assurance (b = .231) next and last. These results imply that the timely service, professionalism of the staff's behaviour, and properly maintained facilities are the main indicators of customer satisfaction in the context of Jhapa. The study recommends that the managers of the hotels concentrate on setting response time standards, improve the staff training to instil trust with the guests, and maintain high standards of hygiene to ensure that customers have a good first impression. Finally, the study applies the SERVQUAL model to a local South Asian context, and the hotel managers can be presented with evidence-based measures that help to improve their competitiveness and resource distribution.

Artificial Intelligence and Supply Chain Resilience: Implications for Organizational Performance

Anjay Kumar Mishra, M. Vasuki, A. Dinesh Kumar, Mbonigaba Celestin — Tue, 23 Jun 2026 00:00:00 +0000

Purpose: This study examines how Artificial Intelligence enhances Supply Chain Resilience and influences Organizational Performance in disruption-prone business environments between 2020 and 2025. The research focuses on Predictive Analytics Capability, AI-driven Inventory Optimization, and Intelligent Logistics Automation in improving operational continuity, disruption management, and strategic adaptability. The study also evaluates the moderating role of Digital Infrastructure Capability.

Methods: A quantitative explanatory research design is adopted using a structured panel dataset from manufacturing and logistics firms. Moderated regression analysis is applied based on Dynamic Capability Theory and Organizational Resilience Theory.

Findings:The findings reveal that AI-enabled predictive analytics improves forecasting accuracy and disruption detection, while inventory optimization and logistics automation strengthen operational efficiency, delivery reliability, and cost reduction.The study further finds that Digital Infrastructure Capability significantly strengthens the relationship between Artificial Intelligence and Organizational Performance by improving system integration and real-time decision-making. Diagnostic and correlation analyses confirm strong positive relationships among AI capabilities, resilience measures, and organizational outcomes.

Value: The study contributes to supply chain resilience literature by presenting an integrated AI-resilience-performance framework. The findings provide managerial and policy implications for organizations seeking sustainable competitive advantage through AI-driven supply chain transformation.

A Study on Customer Purchase Patterns and Satisfaction Pharma Industry

Kuralla Shyam Anand, Dr. T.S.Leelavathi — Thu, 16 Jul 2026 00:00:00 +0000

Customer purchase patterns and satisfaction are two essential aspects of consumer behavior that influence business success. Understanding how customers make purchasing decisions and what factors affect their satisfaction helps organizations improve products, services, and marketing strategies. This study examines customer buying behavior, purchasing frequency, factors influencing purchase decisions, and customer satisfaction levels. The findings indicate that product quality, price, brand image, promotional offers, and customer service significantly affect purchasing behavior and satisfaction. Satisfied customers are more likely to become loyal customers and recommend products to others.

A Study on Financial Inclusion through Digital Banking Services with Reference to India Post Payments Bank (IPPB)

Kesarapalli Deepthi, Dr. K. Prudhvi Raj — Thu, 16 Jul 2026 00:00:00 +0000

Financial inclusion has become an important objective of the Indian banking system, and digital banking plays a significant role in improving access to formal financial services. This study examines the role of digital banking services in promoting financial inclusion with reference to India Post Payments Bank (IPPB). The study aims to analyse customers' awareness, access, usage, and perception of the quality of IPPB's digital banking services and their relationship with financial inclusion. Primary data were collected from 70 IPPB customers using a structured questionnaire, while secondary data were obtained from books, journals, reports, and official websites. The collected data were analysed using percentage analysis, correlation analysis, regression analysis, and ANOVA. The findings reveal that most respondents were satisfied with IPPB's digital banking services, particularly regarding accessibility, ease of account opening, mobile banking, customer support, and Direct Benefit Transfer (DBT) services. The study also found positive relationships between access, usage, quality, and financial inclusion. However, the regression results indicate that these factors were not statistically significant within the selected sample. The study concludes that IPPB has made a positive contribution to financial inclusion by expanding digital banking services, especially in rural and underserved areas.

A Study on Consumer Buying Behaviour with special Reference at Pharmacy Retail

Pallapothu. Vikas, Dr. K. Susmitha — Fri, 17 Jul 2026 00:00:00 +0000

The organized pharmacy retail sector in India has witnessed significant growth due to increasing health awareness, changing consumer lifestyles, and the rapid expansion of digital healthcare services. Understanding consumer buying behaviour has become essential for pharmacy retailers to enhance customer satisfaction, strengthen customer loyalty, and remain competitive in the market. This study aims to examine the factors influencing consumer buying behaviour towards one of India's leading organized pharmacy retail chains. The study specifically investigates the impact of product quality, medicine availability, pricing, customer service, pharmacist guidance, promotional offers, and digital services on customers' purchasing decisions.

A Study on Risk and Return Analysis of Mutual Funds Schemes

Kuchipudi. Siva Sankara Rao — Fri, 17 Jul 2026 00:00:00 +0000

Mutual funds have become one of the most preferred investment avenues in India due to their professional management, diversification benefits, liquidity, and long-term wealth creation potential. As investors increasingly seek investment options that provide higher returns with manageable risk, evaluating the performance of mutual fund schemes has become essential. This study analyses the risk and return performance of five selected equity mutual fund schemes—Bandhan Small Cap Fund, ICICI Prudential Large Cap Fund, HDFC Flexi Cap Fund, Motilal Oswal Midcap Fund, and Nippon India Multi Cap Fund—during the period from 2021–22 to 2025–26. The study is based entirely on secondary data collected from the official websites of Asset Management Companies (AMCs), AMFI, SEBI, Value Research, and Moneycontrol. The performance of the selected schemes is evaluated using Mean Return, Standard Deviation, and Sharpe Ratio. The findings reveal that the Motilal Oswal Midcap Fund delivered the best overall risk-adjusted performance during the study period, while the Bandhan Small Cap Fund generated the highest annual return in 2023–24 but exhibited greater volatility. Most of the remaining schemes recorded negative Sharpe Ratios during several years, indicating comparatively weaker risk-adjusted performance. The study concludes that investors should evaluate both return and risk before investing and should adopt a long-term investment strategy for sustainable wealth creation.

A Study on Financial Health Evaluation through Ratio Analysis At Kusalava International Limited

Kalangi. Yamini — Fri, 17 Jul 2026 00:00:00 +0000

Financial health evaluation helps organizations assess their financial performance, stability, and long-term growth. Ratio analysis is an important tool used to measure liquidity, profitability, solvency, activity, and market performance. This paper reviews the concepts and a theory related to ratio analysis and proposes a Financial Health Evaluation Framework (FHEF) that combines different financial ratios for a comprehensive assessment of an organization's financial health. The study concludes that ratio analysis is a reliable method for improving decision-making, strategic planning, resource allocation, and sustainable business growth, while providing a foundation for future research.

A study on “Analysis of Lead Source Performance and Business Generation”

Pere Naga babu, Dr. P. V. M. Raju — Fri, 17 Jul 2026 00:00:00 +0000

The success of a housing finance company depends largely on its ability to generate quality leads and convert them into successful business. This study aims to analyze the performance of different lead sources and their contribution to business generation in Home First Finance Company India Limited, Visakhapatnam Branch. The research focuses on evaluating various lead generation channels such as connectors, builders, referrals, digital marketing, walk-in customers, and direct marketing activities. Primary data were collected from 42 respondents using a structured questionnaire, while secondary data were obtained from company records, annual reports, journals, and official publications. Descriptive statistical tools such as percentage analysis, tables, and charts were used to analyze the data. The findings reveal that connector referrals and builder networks contribute significantly to lead generation and loan disbursements, whereas digital channels and walk-in customers show moderate performance. The study concludes that strengthening high-performing lead sources and improving customer relationship management can enhance business generation and operational efficiency. The study also provides practical suggestions for improving lead conversion and sustainable business growth.

A Study on Loan Approval and Credit Evaluation Process in Finnable Credit Limited

Pamarthi Ajay — Fri, 17 Jul 2026 00:00:00 +0000

The loan approval and credit evaluation process plays a significant role in ensuring the financial stability and operational success of Non-Banking Financial Companies (NBFCs). This study examines the loan approval and credit evaluation process followed by Finable Credit Limited, Tirupati, with the objective of understanding the methods used to assess borrowers' creditworthiness and minimize credit risk. The research adopts a descriptive research design using both primary and secondary data. Primary data were collected through a structured questionnaire, while secondary data were obtained from company records, books, journals, and official websites.

This study focuses on the loan approval and credit evaluation process followed by Finable Credit Limited, . The primary objective of the study is to understand the procedures and criteria used by the company to evaluate the creditworthiness of loan applicants and to examine how these practices contribute to minimizing credit risk. The study also aims to analyse the various stages involved in loan processing, including customer application, document verification, credit score analysis, income assessment, risk evaluation, approval, and loan disbursement. Additionally, it evaluates the role of technology, digital verification systems, and regulatory compliance in improving the efficiency and accuracy of the loan approval process.

A STUDY ON FINANCIAL PERFORMANCE OF VconnecTech RATIO ANALYSIS (2019–20 to 2023–24)

Teleti Chinnari , Dr. T. S. LEEAVATHI — Sat, 18 Jul 2026 00:00:00 +0000

Financial performance analysis is an essential tool for evaluating the operational efficiency, profitability, liquidity, solvency, and overall financial health of an organization. The present study aims to assess the financial performance of the company during the period 2019–20 to 2023–24 by applying various financial ratios. The study is based entirely on secondary data collected from the company's published annual financial statements. The analysis includes liquidity ratios such as the Current Ratio, Quick Ratio, and Absolute Liquid Ratio; profitability ratios such as the Net Profit Ratio, Operating Profit Ratio, and Gross Profit Ratio; solvency ratios including the Debt-Equity Ratio, Proprietary Ratio, and Solvency Ratio; and activity ratios such as the Fixed Assets Turnover Ratio and Debtors Turnover Ratio.

The findings indicate that the company maintained a satisfactory liquidity position throughout the study period, although a gradual decline in liquidity was observed in the later years due to increasing current liabilities. Profitability remained positive and improved consistently with the growth in revenue and operating performance. The company maintained a very low debt-equity ratio, reflecting a strong capital structure and minimal dependence on external borrowings. Asset utilization efficiency improved over the years, while debtor management showed fluctuations, suggesting the need for stronger receivables management. Overall, the study concludes that the company has maintained a stable financial position with sound operational performance, although improvements in liquidity management and working capital control would further strengthen its financial stability and support long-term growth.

An Analytical Study on Factors Influencing Customer Purchase Decisions Two Wheeler

Shaik Saddam Hussian, Dr. K. Susmitha — Sat, 18 Jul 2026 00:00:00 +0000

Customer purchase decisions play a vital role in determining the success of products and businesses in today's highly competitive marketplace. Consumers evaluate various factors before making a purchase decision, including product quality, price, brand image, product features, availability, promotional activities, social influence, and after-sales service. Understanding these factors is essential for marketers and business organizations to develop effective strategies that satisfy customer needs and improve market performance. This theoretical paper reviews established theories and existing literature related to consumer buying behaviour and purchase decision-making. It examines major theoretical models such as the Consumer Decision-Making Process, the Theory of Planned Behavior (TPB), and the Engel–Kollat–Blackwell (EKB) Model to explain how different internal and external factors influence consumer purchasing behaviour. Based on the review, the paper proposes a conceptual framework that illustrates the relationship between key influencing factors and customer purchase decisions. The study concludes that customer purchase decisions are shaped by a combination of psychological, social, economic, and marketing factors. The proposed framework provides a foundation for future empirical research and offers useful insights for marketers seeking to understand consumer behaviour and design customer-oriented marketing strategies.

Comparative analysis of household electricity consumption before and after solar panel installation: A Review

Bijina. K. T , Rajeev. M , N.Karunakaran — Tue, 23 Jun 2026 00:00:00 +0000

Rising global temperatures and growing human needs are increasing electricity demand. Power is essential for running household appliances and devices. Modern financial activities like mobile banking, digital payments, and contactless transactions require charged devices, showing how dependent our economy has become on electricity. This paper presents a systematic review and synthesis of empirical studies examining household electricity consumption before and after solar panel installation. These systems not only meet home electricity requirements but can also create additional income. This represents a financially smart choice with little harm to the environment. The study looks at India's energy situation, residential rooftop solar systems, and their advantages and obstacles. The paper concludes by identifying gaps in longitudinal household-level monitoring, recommending integration of smart metering, battery storage systems, and time-of-use pricing to maximise the benefits of rooftop solar adoption.

How to cite this article:
Bijina K T, Rajeev M, N Karunakaran. Comparative analysis of household electricity consumption before and after solar panel installation: A Review . J Adv Res Qual Control Mgmt 2026; 11(2): 16-23.

DOI: https://doi.org/10.24321/2582.3280.202612