<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE article PUBLIC "-//NLM//DTD JATS (Z39.96) Journal Publishing DTD v1.2 20190208//EN"
  "https://jats.nlm.nih.gov/publishing/1.2/JATS-journalpublishing1.dtd">
<article xmlns:xlink="http://www.w3.org/1999/xlink"
         xmlns:mml="http://www.w3.org/1998/Math/MathML"
         article-type="research-article"
         dtd-version="1.2">

  <!-- ============================================================ FRONT -->
  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher-id">IJLTEMAS</journal-id>
      <journal-title-group>
        <journal-title>International Journal of Latest Technology in Engineering, Management &amp; Applied Science (IJLTEMAS)</journal-title>
        <abbrev-journal-title abbrev-type="publisher">IJLTEMAS</abbrev-journal-title>
      </journal-title-group>
      <issn pub-type="epub">2278-2540</issn>
      <publisher>
        <publisher-name>IJLTEMAS</publisher-name>
      </publisher>
    </journal-meta>

    <article-meta>
      <!-- IDs -->
      <article-id pub-id-type="publisher-id">93</article-id>
            <article-id pub-id-type="doi">10.51583/IJLTEMAS.2026.150700089</article-id>
      
      <!-- Categories -->
            <article-categories>
        <subj-group subj-group-type="heading">
          <subject>Management</subject>
        </subj-group>
      </article-categories>
      
      <!-- Title -->
      <title-group>
        <article-title>Problems and Prospects of Sale Employees of Non-Banking Financial Companies</article-title>
      </title-group>

      <!-- Authors -->
      <contrib-group>
                <contrib contrib-type="author">
                    <name>
            <surname>Dilshad Begum. M.Com. M.Phil. Ph.D</surname>
            <given-names>Dr.</given-names>
          </name>
                              <aff>
            Associate Professor, Department of Commerce, Government College (Autonomous) Mandya University, Mandya-571401                        <country>India</country>
                      </aff>
                    
        </contrib>
                <contrib contrib-type="author">
                    <name>
            <surname>Kumar</surname>
            <given-names>Manoj</given-names>
          </name>
                              <aff>
            Research scholar, Mandya University, Mandya                        <country>India</country>
                      </aff>
                    
        </contrib>
              </contrib-group>

      <!-- Volume / Issue / Pages -->
            <volume>15</volume>
                  <issue>7</issue>
                        <fpage>1116</fpage>
            <lpage>1123</lpage>
            
      <!-- Dates -->
      <history>
                <date date-type="received">
          <day>02</day>
          <month>08</month>
          <year>2026</year>
        </date>
                        <date date-type="accepted">
          <day>07</day>
          <month>08</month>
          <year>2026</year>
        </date>
              </history>

            <pub-date pub-type="epub">
        <day>14</day>
        <month>08</month>
        <year>2026</year>
      </pub-date>
      
      <!-- DOI Self-URI -->
            <self-uri xlink:href="https://doi.org/10.51583/IJLTEMAS.2026.150700089"/>
      
      <!-- Keywords -->
            <kwd-group kwd-group-type="author">
                <kwd>NBFC</kwd>
                <kwd>sales employees</kwd>
                <kwd>non-banking financial services</kwd>
                <kwd>problems and challenges.</kwd>
              </kwd-group>
      
    </article-meta>
  </front>

  <!-- ============================================================ BODY (Abstract) -->
  <body>
        <sec>
      <title>Abstract</title>
      <p>The Non-Banking Financial Company (NBFC) sector plays a crucial role in financial inclusion and credit delivery, wherein sales employees form the backbone of business operations. However, sales staff in NBFC sector often faces several challenges, such as high-performance targets, work-related stress, uncertain income due to incentive-based pay, and limited job security.
Purpose: This study aims to examine the problems and challenges faced by NBFC sales employees, assess the influence of motivational factors on job satisfaction, evaluate career advancement opportunities and long-term prospects.
Methodology: The researcher collected 100 samples by using questionnaires. This questionnaire included demographic profile and other factors on a 5-point Likert scale. The study analyzed by using Chi-Square, Multiple Regression, ANOVAs and standardized coefficient test.
Findings: The findings reveal that sales target pressure, excessive workload, customer acquisition challenges, and inadequate training significantly affect the work environment. Motivational factors were found to have a strong and significant influence on job satisfaction. However, perceptions regarding career advancement opportunities and long-term prospects did not show statistically significant differences, indicating uncertainty among employees.</p>
    </sec>
      </body>

  <!-- ============================================================ BACK (References) -->
    <back>
    <ref-list>
      <title>References</title>
            <ref id="ref1">
        <label>1</label>
        <mixed-citation>Dhanabhaskyam. M &amp; Monish P. (2019), “A study of employees perception on grievance redressal mechanism in Nonbanking financial institutions in Kozhikode city”, International journal of research in engineers, IT and social science, volume 09, issued 06 June 2019, ISSN 2250-0588.</mixed-citation>
      </ref>
            <ref id="ref2">
        <label>2</label>
        <mixed-citation>Dr. Rita Khatri &amp; Pro. Arti Modi (2022). “Performance of NBFCS: A pre and post COVID analysis”. International journal of health science 6(S2), 4850–4860.</mixed-citation>
      </ref>
            <ref id="ref3">
        <label>3</label>
        <mixed-citation>Manoj Kumar, Sumith Kumar, Mohammed Ali Hamid, &amp; Sunita Pandey (2022). “Comparative analysis of the financial performance of selected Indian housing finance companies”. Investment management and financial innovation journal, 3/2022.</mixed-citation>
      </ref>
            <ref id="ref4">
        <label>4</label>
        <mixed-citation>Nimisha Oil &amp; Naval Lawande (2020). “Factors affecting employee engagement in NBFCs”. Psychology and education, 57(9), ISSN 0033-3077.</mixed-citation>
      </ref>
            <ref id="ref5">
        <label>5</label>
        <mixed-citation>Osamaha Ahmed AL-Maamari, P. Vedava, Noufai Alrefaci, (2022). “The importance of microfinance institutions in the development of developing countries”. International journal of economics, Volume 10, 13 September 2022, ISSN 2582-0192.</mixed-citation>
      </ref>
            <ref id="ref6">
        <label>6</label>
        <mixed-citation>Priyata Chaudhury. &amp; Ashish Kumar Sana (2023). “Measuring financial performance of non-banking financial companies (NBFCs): Evidence from selected BSC-listed NBFCs in India”. Valum 5(1), 2023. ISSN 2982-0944.</mixed-citation>
      </ref>
            <ref id="ref7">
        <label>7</label>
        <mixed-citation>Rengith P. R. &amp; Devaray Badugu (2017), “Human resource practices or non-banking financial companies and their effect on job satisfaction”. International journal of business and management invention, Valum 6 issue 7, July 2017, ISSN 2319-8028.</mixed-citation>
      </ref>
            <ref id="ref8">
        <label>8</label>
        <mixed-citation>S. R. Shah &amp; D. V. Chacharkar (2020). “NBFC growth prospects, issues, and challenges in India”. Vidyabharati international interdisciplinary research journal, 11(1). September 2020, ISSN 2319-4979.</mixed-citation>
      </ref>
            <ref id="ref9">
        <label>9</label>
        <mixed-citation>Shilpa Jain &amp; Vijay Kumar Gupta, (2023). “A Review of NBFCs in India”, Journal of commerce and accounting research, 09 February 2023, 12(4).</mixed-citation>
      </ref>
            <ref id="ref10">
        <label>10</label>
        <mixed-citation>Subhransu Panda &amp; K. Siva Nageswara Rao (2019), “Customer acquisition and retention in non-banking financial companies (NBFCs)”. Methanic of continua and mathematical science, Vol.-14, no-5 September-October (2019). ISSN (online) 2454-7190, ISSN (print) 0973-8975.</mixed-citation>
      </ref>
            <ref id="ref11">
        <label>11</label>
        <mixed-citation>Sunil Sangwan, &amp; Narayan Chandra Nayak (2020). “Factors influencing the borrower loan size in microfinance group lending: a survey from Indian microfinance institutions”. Journal of financial economic policy, 14(6) 2020. 1757-6385.</mixed-citation>
      </ref>
          </ref-list>
  </back>
  
</article>
