Minorities Discrimination At Indian Banking System Business Essay

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The purpose of this case study is to understand the archetype shifts of India banking industry throughout minorities' composition, moreover, how Indian minorities are carving a niche in the corporate world. From ancient times, minorities have not held upright position in the society, particularly in the Indian circumstances. Nevertheless, unfortunately, their future was underestimated since they were limited to downstream duties and was denied top positions in the corporate world. Though the minorities' participation in society has increased, they are still striving to achieve decent fair treatment within various industries such like banking in India.

Table of Contents


Nature of Discrimination:

India Profile:

Banking System:

Research Methods:

Data Manipulation:



Too many things, which determined the standard of living for a nation's Citizens, which is including the provision of a fair, as well flexible business atmosphere conducive to state of art, locally as well as foreign investment in addition to sustainable economic development. It is firm in economics and political context. There are many components to become well-being. This likes the amount of money as well as access toward goods in addition to services that an individual has; these numbers are simply measured. Therefore, others similar freedom, as well happiness, besides art, in addition environmental health, along with innovation are away tougher to measure. A way of life or mode of living that reflects the attitudes in addition to values of an individual or even group. Therefore, it appeared to get higher habits of eating, dress, and pleasure to categories in a system of social classification.

On the other hand, we can observe that the other issue of the social life such likes race discrimination If thinking are discriminatory, followed by our thinking and behavior will be the same. Racism is a notion based on faulty reasoning, misreading, and generalizations.

All human beings belong to a particular character in addition to allocate a familiar basis. On the other hand, they are born same in distinction as well as rights along with all outward appearance and fundamental branch of humankind. On the other hand, all peoples of the world possess similar faculties for attaining the highest level in mental, technical, social, economic, cultural and political development. Nevertheless, such differences, which can in no case, serve as a cause for any position ordered grouping of nations or peoples.

Therefore, in our case of study at the Indian society, the Muslim minorities are being treated with a high level of discrimination. They are being treated according to their beliefs and just because of religious reasons. Furthermore, the said racism was followed at the poor and despicable treatment in the Indian banking industry where there are being treated with neglecting attitudes for opening new accounts or even for getting any loans from the said banks.

Nature of Discrimination:

Usually Indian people were known widely about their racist attitude, therefore no surprise to know that any of their banking industry has been known clearly about such behavior for the public. However, such thinking is so disagreeable to the public opinion as well as to the national security for the country, since it is not clear that they can submit their compulsory service to some people and stay the same service to the other part of the society. Moreover, such defiant attitude is never been a genuine feelings or even a kind of human attitude toward the people in the society.

As we can observed that Sociologists, as well historians, in addition anthropologists along with archeologists accept as true racial discrimination happens more frequently. In addition to for the most part severely when two groups with different ethnic groups and religious groups are exposed to each further in addition to the two contend for the similar object same as the situation of the Muslims Minorities in the Indian society

On the other hand, History shows with the intention of all attempts at a racial superiority result in conflict and avoidance, which was happened with the Muslims Minorities in the Indian society

Nevertheless, some communities without intermittent racial difference can obtain benefit of its entire people' prospective in addition to progress in the direction of taking away. Nowadays, the races have mixed and they are not segregated, racism has been reduced dramatically but not the Muslims Minorities in the Indian society. Nonetheless, public are precautious concerning what they speak moreover how they tackle subjects. Even a single joke can be taken charge. Victims of discrimination often get a faulty belief in the same time children learn to be prejudiced.

On the other hand, they find out to look after they by means of generate self-defenses essential to their survival. Additionally, a stain heading for a meticulous ethnic grouping is expected to achieve these consequences in an altercation: pain, annoyance, embarrassment, aggression, indignity in addition to awkwardness. Conversely, Students admitted with the purpose of they had used racial stains when angered. additionally, It had been noticed in schools, with the purpose of the students understand racial jokes and used ethnic names other than they say with the purpose of they do not matter what they say it is just for humor's sake. Concealed racism affects the society in a diversity of several manners, which might be applicable for the Muslims Minorities in the Indian society.

However, it ought to be said with the intent of concealed racism has permanently scarred the community, both politically and socially. Nonetheless, racial politics had changed when the matter of race, even at it hearts, also it might come down essentially toward whether whites were ready to agree other races as their both equals. Now, the issue of race has become more complex more complicated for the point that there are now several agendas including affirmative action, quotas, and set-asides.

India Profile:

The world media today, specially the business press, are all committed over the development of India in the international economy. Additionally, India was just attractions as ancient cultures to visitors' as well curious tourists. Nevertheless now, this extremely poor Asian giant, with over one billion people, is bringing visitors as well as tourists from all over the globe to examine how also why this economy is able guzzling in the trend towards global economic dominance.

On the other words, in the remote past, merely India in the whole world had showed the ability to perform wealth, in addition economic development, besides intellectual curiosity as well as inventiveness. Consequently, Hindu mathematicians were the first to use of negative numbers. Furthermore, in the first on 1990s, India embarked on a significant economic reform policy, liberating the economy along with opening it to foreign investors.

On the other hand, substantial foreign capital got into India throughout the past decade. Consequently, the world had never witnessed this particular circumstance of comparatively poor country that contain one sixth of the global population, at the same time taking off on a steep rise in its economy. Furthermore, the remarkable economic growth in this county is being remarked through the rest of the globe with admiration as well as distrust. For that reason, it is being far in addition to be easily predicted that this county would be exceptionally fast will be the future world one of the economic supreme power.

INDIA with its ancient civilization and a growing nation, with its successful history in addition to culture other than a poor rank of social improvement, India is a united country but many languages; one law but different religions. India is the world's seventh largest country in geographical size, through a physical spot of 3,287,263 square km. India is a semi continent country of around 1,177,995,904 (July 2010 est.), < > making it the world's second most populous nation. The world's largest democracies, India have accomplished a relatively straightforward democratic stability since independence. The economy grew at around India achieved 6.5% GDP growth in 2009. < >

Hindi is the nationwide language of India, other than there is eighteen officially recognized languages in India. Moreover, English too was recognized under the Constitution. Hinduism is the principal religion in India, followed through in excess of 80% of the Indian people. On the other hand, the other prominent spiritual denominations take account of the Muslim 13.4%, as well Christian 2.3%, besides Sikh 1.9%, finally, the others 1.8%, unspecified 0.1% (estimated 2009 census). India's currency is which they called it the Rupee, that is concluding of 100 paise. The exchange worth of the said Indian rupee is 46.68 per US Dollar and Euro 53.32 (exchange rates of August 2007)

The Indian economy has transformed significantly, from a period of large controls and licensing in the 1960s, to a broad market-driven economy with a large participation of private including foreign corporation. As we can illustrate that the economy is sophisticated, through perceptive agriculture, besides industrial as well as service sectors, in addition to together with sophisticated technology along with knowledge-based segments.

Banking System:

Banks are illustrious by tradition, according to their principal tasks as the Indian Banking Industry. Furthermore, commercial banks, as well trust companies, besides stock savings banks, in addition agricultural banks, real-estate banks and industrial banks, which we have via Indian Banking Industry, have traditionally delivered a wide range of financial activities. This is in addition to their principal tasks of creation loans along with investments in addition to conducting demand, moreover savings as well as other time deposits. Moreover, the main functions of modern commercial banks, same as Indian Banking Industry, they exist today in our economic life, which comprise supplying what is called nowadays current account services. This should include issuing debit cards to its customers.

On the other hand, the regular customers within Indian Banking Industry have to obtain a statement at the end of the month summarizing all of his business activities during the same period. These activities at Indian Banking Industry include money transfer services, accepting money into savings accounts, as well granting loans along with advances, besides facilitating import-export transactions, in addition buying as well as selling foreign currency. This besides to issuing credit cards to its valuable customers which is called cardholder and the like may use the money within his credit limit, however the same consumed amount has to be paid within a fixed period of time otherwise he will be charged for the unpaid balance amount.

Banks also accept money from the notable citizens along with institutions at Indian Banking Industry into savings accounts, and at the same time keeping them on safe pay interest on the said money. In turn, they use this money to grant loans and advances to borrowers; however, Indian Banking system is charging an appeal against such services. This service provides the savers with a fix income, while their money remains intact. On the other side, Indian Banking system provides the borrowers access to resources, which they would otherwise not have without the existing of banks at our economic life. The borrowed funds may be used in favor of establishing a newfangled business, or even to extend some of which is already existing business. In addition, it used to offer to work funds for a consecutively business, or even for use purposes including buying consumer durables, or to overcome a difficult period, which might they said business is suffering and may continue to meet an unexpected expenditure. Moreover, it became as direct debit and they have to return it back in a specific time, which is called loan rates. However, each bank has its own way to protect its loans including by an external authority, which is called payment protection insurance.

It is legal to say that the last century has seen more change in the Indian Banking system than the preceding three centuries combined. Indian Banking system has been transformed from an activity comprising several small bankers offering a limited range of paper-based services to a wealthy minority, to one characterized by the growing preeminence of a few global players, providing a diverse range of financial services to all, based on the most up-to-date technology.

Indian Banking system offers many different financial services. The customer might desire to measure up to the services together with costs of various Indian Banking system ahead of selecting one at which to establish such an account. There are two types of accounts the client might start at Indian Banking system; a checking account and a saving account. A checking account allows the customer to put down money and subsequently write down "checks" to disburse for goods or else services the customer purchase. Most retailers and service providers will receive a personal check drawn on any bank within Indian Banking system as long as the customer can establish proper identification. When the client deposit money into his checking account or write checks, it is imperative that he records the deposit or even check in the ledger supplier in his checkbook. If the customer overdraws his account, he will be penalties through the bank moreover frequently via the industry for which he wrote the "counterfeit check". The customer can withdraw money from a regular savings account, but he cannot perform so through writing a check.

Research Methods:

As we can say, methodology is an approach to work out analytically research problems of Indian Banking Industry discrimination against the Muslims Minorities. Furthermore, research methodology not only considers research methods but also the reason behind the methods in the context of a research analysis and explains the rationale behind the use of a particular method or technique. The methodology consists of choice of topic, research design, sources of data, sample design, method of data collection and tools of analysis. Moreover, Research Methodology of Indian Banking Industry discrimination against the Muslims Minorities possibly will be unstated as a science of learning how research is prepared systematically. We are studying such research problems along with the rationale at the back them.

On the other hand, It is essential the investigator to recognize not only the research process techniques but also the methodology. Therefore, we can explore here that, the research methods can be applied will be qualitative as well as quantitative moreover, it will require the medical professionals, their work placements and the academic settings and will include the time around of an applicable leadership progress of one-year duration. Triangulation, facilitation in addition to can complementarily all are observed in such classification in approaches to mixed research approach.

On the other point of clarification, triangulation submits to they make use of individual research process to increase other research design findings. Through a cross reference request, the results of a quantitative detection can be used to improve the findings of a qualitative resolve to provide a deeper considerate in the direction of the subject matter.

The purpose of the methodology clarification is to provide an experienced researcher as much as necessary data to reproduce the study. A number of advisors do not understand this and demand their students to produce what is, in effect, a textbook.

As we can say that goal of the Study, which meant that briefly restate the purpose of the study in the first paragraph. However, research proposal may specify that it is hypothetical, quasi-experimental, correlation, causal-comparative, as well quantitative, besides qualitative, in addition mixed methods, or even other purpose. Moreover, research Design, which can illustrated as a spell out the independent, dependant, and or even classificatory variables.

Some advisors will take you set variables in a break up segment or in the beginning. Whether your advisor is any kind, he or she will allow you will a lot of guidance about this one particular area of your thesis or dissertation. Further, the Indian Banking Industry discrimination against the Muslims Minorities study, which includes any survey tool, which it is self-designed, has to comprise a lead study. Moreover, it should be described the pilot research as it relates to your research plan, development of instrumentation, as well data collection measures, or even distinctiveness of the sample.

On the other hand, the participants, can be describes as a fully describe for the place where the study will happen, in addition to the anticipated applicants of the study. In addition, we can say that the instrumentation, as a fully explain what it may be used to obtain the data and assess the device in such appendix.

Furthermore, the procedure, also we can say that it is a fully explain how the data may be collected, beginning with any letters of endorsement it may be needed from institutions or individuals, which it might be present in the appendix. Further, if a letter may be sent to participants, it should also result in the appendix. In addition, we have to add that the Data Processing and Analysis, as it is a careful description of how it may be analyzed the data. Finally the Ethical Considerations, which it is a definitive statement of the measures might be taken to protect the participants or institutions, which was studied.

On the other part of this analysis, the project methodology of Indian banking approach will serve as a guideline for this project. It is a comprehensive study, but agreeable to change to the characteristics and the needs of the area. The underlying idea of the Indian banking behavior methodology is that of achieving the aims of Indian banking view project, which implies that discussed factors of the study, which includes the environments behind Indian banking behavior, which might be conserved for continuous behave for the future, while bringing unhealthy habits for the Indian society.

The focus of the methodology to perform analysis of the Indian banking behavior will be put on the social approach in the Indian society. This procedure involves extensive interviews with prominent, professional, and subsequent analysis of the Indian banking activities to determine the most suitable types and strategies of behavior for Indian banking industry. Moreover, such methodology is a method and has been marginally adjusted to this project; the Indian banking behavior is more comprehensive. The adopted methodology is composed of a number of steps that lead to the final recommendations:

a) Study preparation the first step starts with a careful preparation of the project. Factors of importance for the Indian banking industry will be considered carefully for the planning process. An analysis of the existing Indian banking industry will be made, as well as an analysis of the attitudes and behavior for Indian banking industry, that all need to be considered in the future plans.

b) Determination of objectives in this step, the objectives for Indian banking industry will be determined. The objectives should evaluate political, as well socio-cultural and economic considerations. Should consider and reinforce any overall promotional objectives already adopted for the India.

c) Survey of all elements the interviews involve collecting quantitative and qualitative data, which it includes: such like Indian banking industry trends. This is besides the existing and future Financial Services of the Indian banking business activities. In addition to the existing and already planned Financial Services facilities and services, which are offered within Indian banking industry. Moreover, other existing or planned strategies of Indian banking industry should be explored. Additionally, the existing economic and employment outlines of Indian banking industry will be explained. Along with the Social-cultural, patterns of the Indian community may be illustrated on thumbnail. Finally, the existing Financial Services regulations and regulation of Indian banking industry will be described.

d) Analysis and synthesis here the quantitative and qualitative analysis of the interviews information will be carried out. Added to that, creation of the analyses components will be made.

e) Policy and project formulation in this step, the convention on Indian banking industry will be formulated. Evaluation of the Indian banking industry project is based on several factors will; meeting the strategic objectives and the levels of Ethical behavior that are optimizing benefits, reinforcing concrete and minimizing adverse impacts.

We cannot deny that we faced enormous difficulties like rejection, lack of confidence . . . Etc. but by passing of time, the importance of such attitudes of Indian banking industry became apparent to the people working in the segment of the banking industry in India.

Data Manipulation:

The following research methods were utilized to bring together data for such paper of the Indian Banking Industry discrimination against the Muslims Minorities:

Literature review of documents, reports and publications on the banking industry in India will be revised. Additionally, a wider literature on reform processes within India and internationally was reviewed.

Face to face interviews with the key professional within the Indian banking industry and relevant Indian officials.

Archival research was conducted on the background of the Indian banking industry including private internal and external reports.

According to the Indian Banking Industry discrimination against the Muslims Minorities research background and motivation, the research issues and purposes can be described as the following:

1. To explore the changing of different background in the relationships among Indian banking industry, as well banking Organizational behavior, and Indian community Commitment

2. To investigate the relationship between Psychological personal behavior and banking Organizational behavior

3. To examine the relationship between Psychological personal behavior and Indian community Commitment

4. To examine the relationship between banking Organizational behavior and Indian community Commitment

5. To investigate the interactions of Psychological personal behavior and banking Organizational behavior and how the relationship between the interactions and Indian community Commitment are

The research process flow is as the following to introduce the paper accordingly:

The outlines of research subjects- research environment, research motivation, and research function.

The investigations of related documentaries- the associated studies of Psychological personal behavior, the related studies of banking Organizational behavior, and the related studies of Indian community Commitment.

The designs of research methods- to ensure the establishment of the term paper, to arrangement the hypotheses of the term paper, to perform questionnaire investigations, moreover to decide the methods for analysis

The distributions as well as recoveries of the questionnaire; it is actual sampling investigations, along with data accumulated for coding.

5.The analysis and resolution from the research; it is to evaluate the data as well as to formulate explanations, followed to inspect the hypotheses, in addition to the conclusion through the results, in revolve to propose suggestions.

Therefore, following the recoveries of the questionnaire for our term paper of the Indian Banking Industry discrimination against the Muslims Minorities, we have performed eliminations of the weak questionnaire. This includes such as insufficient answers and contradictory answers, we then select codes for the applicable questionnaire, to enter data for registration through using the respected statistical software, subsequently to carry on with data analysis, and furthermore our term paper has used statistical methods at the same time as below:

1. Explanatory Statistic Analysis

2. Reliability Analysis

3. Factor Analysis

4. Independent Sample t-test


Racism as the case of Indian Banking Industry discrimination against the Muslims Minorities is objectively defined as any implementation of racial discrimination or segregation. Fortunately, we can say that racial violence is prominent declining as the end of the last century concepts. However, now a new form of racism, the same like Indian Banking Industry discrimination against the Muslims Minorities concealed racism, has recently jumped concerning the pressures of which we can call it political correctness. On the other hand, such new act of racism, in spite of it is slowly declining; it is still presenting signs of potential support. Furthermore, Hidden racism assumes a variety of civil disobedience opposite to politically correct ideology in addition to speech. Concealed racism is a "hidden" racism, or racism not easily detected.

The research methods can proceed with a plan for Indian Banking Industry discrimination against the Muslims Minorities to adopting same weights on quality as well as quantity. Such research for Indian Banking Industry attitude is adopting appraisal process of the questionnaire, to introduce study quantitatively, and in order to have a deeper understanding to Psychological personal behavior, banking Organizational behavior, and Indian community Commitment of citizen, further studies can proceed with qualitative research methods at the same time to get the researches be true.