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The purpose of this is to classify the social and economic factors which impact the involvement of women in self-help groups (SHGs) for their economic as well as social empowerment.

The research has been conducted in Nainital district of Uttarakhand (India) in 2018. Primary data have been gathered from women respondent only on factors relating to the ownership of asset, housing characteristics and other demographic details. Both SHG and non-SHG women members have been chosen as key informants during the survey. Multi-stage purposive and stratified random sampling has been used for the selection of respondents and SHGs. The logit regression model has been formulated to describe the causes that influence the participation of women in SHGs. Also, an empowerment index has been constructed to measure the effect of SHGs on women empowerment.

The results show that factors including age, education, family type and distance from the market have a significant impact on the participation of women in SHGs. Also, there is a significant difference in both these values which suggests that the value of the empowerment index gets significantly increased after joining the SHGs.

Analytically derived factors have been used to develop an empowerment index. Hence, the present research is valuable for marketing practitioners, entrepreneurs and professionals from the development sector who intend to work amongst SHGs, primarily with women. The paper is valuable for academic researchers in this area so that the limited body of knowledge, on the empowerment index, could be developed.

The present research is unique because the authors did not find work, especially in the context of rural India, in the said area. Factors impacting the participation of women in SHGs along with the impact of participation on empowerment have been explored using the logit regression model, leading to the development of an empowerment index.

The purpose of this paper is to quantify several measures to examine the determinants of profitability for the listed Indian banks. The authors include both public sector (PSUs) and private sector’s banks in the study. The authors have taken all the banks that are registered on the Bombay stock exchange (BSE) in the sample. This paper also intends to identify the association between the net profit margin (PM) and return on assets (ROA) with the several other independent variables of the Indian banking sector including private banks and public banks over the past six years starting from April 1, 2012 to March 31, 2017. Therefore, a sample of 39 listed banking companies and total 195 balanced observations are selected for the analysis purpose.

The authors have used profitability as a dependent variable represented by net PM, ROA and several financial ratios as independent variables. Financial statement and income statement of all listed banks were obtained from BSE and particular company’s website. Panel data regression has been analyzed with both the descriptive research techniques, i.e., fixed effects and random effects. The authors also verified both panel techniques with Hausman’s specification test, which is a widely used procedure for selecting a panel effect. The authors applied PP – Fisher χ², PP – Choi Z-statistics and Hadri to testing whether the data set is free from unit root problem and data set is a stationary series.

Results imply that interest expended interest earned (IEIE) and credit deposit ratio (CRDR) reduced the profitability of private banks in India. IEIE, CRDR and quick ratio (QR) reduced the profitability of public banks in India, while cash deposit ratio (CDR) and Advances to Loan Funds (ALF) increased the effectiveness of public banks. Under the total banks IEIE, CRDR reduced the profitability, on the other side, CDR, ALF and Total Debt to Owners Fund (TDOF) increased the profitability of total banks in India. Under the dependency of ROA, CRDR and TDOF reduced the return of private banks in India, while CDR, ALF and QR enhanced the profitability of private banks.

No variables found significant under public banks while taking ROA as a dependent variable. Under the overall banking data, CRDR reduced the profitability. On the other side, capital adequacy ratio and ALF increased the profitability of total banks in India. The findings of this study will support policy creators, financial executives and investors in constructing investment decisions.