1. INTRODUCTION:

Stress is the most common disease in today due to the facts called the lifestyle and work pressure, but the stress may differ from person to person as they belong to the certain streams. Because the people differs in terms of their profession so stress is naturally arise by those professions, by this it can be understood that the stress can be cause by the profession. Stress is the most inevitable consequence for the bank employees, due to the competition in meeting the targets. Competition is the biggest challenge around the world to face it and people need to learn to deal with that challenge if not people can undergo for stress. it is not a big issue if people facing stress if they know how to manage it.

But the reality is that still people need to learn to manage the stress because today people are burnout with the stress. Handling stress individually not possible because the employees need assistance or guidance of the management to manage the stress and it is the majority responsibility flow towards the employees of banks by the banks to help employees in managing stress, because if it cannot control on time it lead to expose on the productivity of the banks so. In order to controlling the stress level the banks need to identify the factors influence on having stress among employees, and also need to work on formulation of strategies to reduce the stress level. With respect to avoidance of the stress, the management need to create the opportunities for the employees, financial security, good work environment, and betterment in the work operations.

2. LITERATURE REVIEW:

Jamshed Khan Khattakk, Muhammad Aslam Khan, Ayaz Ul Haq, Muhammad Arif and Amjad Ali Minas (2011), discussed on “Occupational stress and burnout” with the intention to examine the occupational stress and professional burnout in the banking sector. In order to collect the data the questionnaire was administered on the bank employees. This study is descriptive in nature and discovered the factors called workload, working hours, technological problem at work, inadequate salary, time for family and job worries at home are the major sources of stress in the banking sector due to the changing work environment, and the impact of the stress burnout revealed in the ways called back pain, headache, extreme tiredness, sleep disturbance. This study reveals that the employees in banking sector facing the stress but the cause for that is not the nature of job and it was suggest to the bank to pay attention on the elements which leads to create the stress irrespective of the nature of job.

Muhammad Ehsan and Kishwar Ali (2019), made a study on “The impact of work stress on employee productivity”, with the purpose of understanding the impact of work stress on the employee productivity. Stress is the major constraints in the banks for the deviation of the productivity and that stress can caused due to the environmental factors, Physiological factors, and Psychological thoughts. To avoid the stress among the bank employees it is required to focus on the continuous change in management strategies so that it can be helpful for the bank employees to attain the higher performance standards.

Lakshmi Narahari and Kalpana Kaneru (2017), discussed on “Stress management techniques in banking sectors in India”. The problem of stress in the banks is becomes very hilarious on the bank performance. Stress is the pushing factor for the employees to provide the means of expressing the talents and happiness and the other side stress causes for the fatigue and poor health, either physical or psychological. When we look at to the medicine for the stress recovery will get the techniques to manage the stress. This study is entirely about the study of the stress management techniques in the banks. This study is descriptive in nature. This study reveals that the both male and female employees are differs in management of stress and they are not significantly differs in coping with stress management techniques.

Manjunatha M K and Renukamurthy (2015), studied on “Stress among banking employee-A Literature Review” with the intent to understand the roots and outcomes of job stress on the employee performance in banking sector. This study reveals that the technological revolution in the banking sector and the stress level among the banking employees rapidly increases and that leads to the deviations in the productivity of the employees. And the variables such as long working hours, workload, family sympathy, management pressure, mental depression and job insecurity, perceived stress are the major stressors of the banking sector.

Aksa Ann Mammen and Vigraanth Bapu K G (2021), done research on emotional regulation and occupational stress among bank employees. Author focuses on the bank employees who belong to the different age group with the intent to find out the occupational stress. The efforts of the author realized that there is a difference exists among the male and female employee with reference to the level of stress. Related to the relationship between the emotional regulations and the occupational stress among the bank employees it leads to determine that there is no significant relationship exists between the emotional regulation and occupational stress.

Alice Mannocci, Laura Marchini, Alfredo Scognamiglio, Alessandra Sinoppoli, Simone De Sio, Sabina Sernia and Giuseppe La Torre (2018), made an attempt to answer to the question called, whether bank employees stressed with reference to the job perception and the positive working environment. For the purpose of the study author has identified the several socio-demographic variables such as gender, age, marital status and family based on these factors the questionnaire was administered on the ban employees, it make clear that the socio-demographic factors have made contribution to occur stress among the bank employees as the bank employees fails to achieve the goal, fails to attain the customer complaints, feeling of pressure and conflict.

Josephine Anterkyi Bentil (2018), made a study on “Impact of work-Related stress and Marital Status on Job Effectiveness of Female Bank Workers” with the purpose to identify how work related stress influence the female employee in banks in relation to their marital status and the job effectiveness. The present study was descriptive in nature, for the purpose of the study the questionnaire was administered on the women employees in banks. It was noticed in the study that the women employees who were divorced and married slightly but majorly affected by the work place stress and the other women employees who were single and widows were not affected by the work place stress. About the relationship that exists between the work related stress and effectiveness it was revealed that the women employees can able to meet the work target with the help of their co-workers.

Aakanksha Pandey, Sanghamitra Mohapatra and Aarti Singh (2018), focused on women’s response towards enjoyment and occupational stress in private and public sector at the time of work. Stress among the women employees caused by the mismatch between the job demands and capabilities, resources and the needs of the employees. To study this poor mismatch between the different variable the questionnaire was administered on the 120 women employees. This study resulted that the common mismatch of the job leads to create the job dissatisfaction, and also concluded that the high level of job stress leads to have the high level of job dissatisfaction and the low level of stress leads to have the high level of ob satisfaction.

3. OBJECTIVES OF THE STUDY:

· To identify the factor influence on the stress to occur among employees.

· To understand the whether the demographic profile impact on the causes of the stress.

4. STATE OF THE PROBLEM:

Stress is commonly called as the mental and physical disorder caused due to issues of the both personal and professional life, but it was noticed recently that the banking operations becoming more advanced and the automated too due to this the working operations of the bank employees changes because they need to upgrade themselves with the changing strategies of the banking operations and the RBI also keep on changing the banking regulations and that lead the employees to achieve their standards and this made the bankers to pressurise the bank employees to work harder to reach the target. This pressure becomes major cause to have stress among the employees. With this there are some other factors which can influence the employees to have stress; hence the identified study problem is the stressors lead to burnout the stress.

5. HYPOTHESIS:

H₀: There is no significant impact of Demographic Profile of the Bank Employee on the Causes of Stress.

H₁: There is a significant impact of Demographic Profile of the Bank employee on the Causes of Stress.

6. TYPE OF RESEARCH:

The study is descriptive in nature.

7. METHODOLOGY OF THE STUDY:

Methodology is the systematic procedure for the data collection. For the purpose of the study both primary and secondary data was collected. Primary data collected through by administering the questionnaire and the secondary data collected through by the Articles, Journals and Internet.

8. SCOPE OF THE STUDY:

The study is conducted in the SBI in the Shivamogga district to understand the factor influence on the stress to occur among the banks employees. This study covers the conceptual scope of stress management in order to discover the suitable suggestions to the problem of the study.

9. CONCEPTUAL FRAMEWORK: OCCUPATIONAL STRESS:

The occupational stress is the stress which arises out of the working operations which is also called as the progressive stress as the stress is unknowingly generated with the ones occupation.

Major Causes and effect of the occupational stress:

There are several causes of the stress but the majorly the occupational stress is created due to the factors such as Strict policies and Protocols, Conflicts among the colleagues, workforce mismanagement, lack of suggestions and guidelines, personal and professional issues, discrimination, poor management, over work done, meeting targets, and loss of pay and benefits. Certainly these causes for the occurring stress among the employees. These causes of the stress can create the occupational stress but at the same time the causes of the stress can damage the employee relations, hold back the employee motivation, stimulation and the commitment towards their work.

When the employees not able to cope up with these cause they simply expose into the situation where they can get some symptoms which definitely the signs of stress for example, Physical, Emotional or mental breakdown and the individuals must know to deal with these symptoms so that the stress can be avoided. The employees of the organization must know the resistance to those symptoms, which mean that one must know about the balancing, protecting, and fighting with the stress symptoms. It is not always possible to fight with the stress symptoms because the at certain situations the employees can give up because the profession cannot always cause for the stress but personal life can also be cause for the stress, when both professional and personal factors come together in killing the patience of bank employees and creates the complete toxic nature in working the bank employees surrender themselves and burnout their stress in different ways.

Coping with Occupational stress:

The employees succumb with the stress they still can deal with that because there are certain ways to do that. Those are recreating the reasonable work place, avoid discrimination, fight with the causes of stress, avoid irregularity, honesty, diligence, and discipline and most importantly have firm mind, by that the employees can always focused towards the organizations achievements. The most importantly the role of HR department should be more encouraging in order to deal with all the situations and in order to making employees more competent in very harder situations, this shows that the HR department can play major role in reducing the stress level among the employees.

Managing occupational Stress in banking sector:

The on growing stress among the bank employees due to the banking operation becomes very big decease because people finding the medicine for the same. The employee those who faced the stress in the banks, need to help the employees those who presently facing it and yet to face it. The people those who already come up with the occupational stress should help the by explaining the struggle which made to get rid from the stress. The stress in the bank becomes very biggest deal because that is directly affecting the employee performance in organization. The employees of the bank need to be informed that there is no such work pressure in the bank because work pressure make bank employee scared. The banks need to create all the provisions to facilitate the easiness for the employees to deal with stress at any cost. It is not necessary that the bank managers or banks need to concentrate on the employees mental health but the employees need to become the doctors for their stress decease and need to convince themselves to be calm, to take all the things very easily, to be cooperative in any condition of the bank.

DATA ANALYSIS:

Respondents Demographic Profile:

Table 1. Respondents Age wise classification

Particulars	No of respondent	Percentage
Below 30	25	50%
30 to 40	14	28%
40 to 50	8	16%
Above 50	3	6%
Total	50	100%

Table 2. Respondents Gender wise classification

Gender	No of respondent	Percentage
Male	28	56%
Female	22	44%
Total	50	100%

Table 3: Respondents Marital status

Marital Status	Respondent	Percentage
Married	27	54%
Unmarried	23	46%
Total	50	100%

Table 4: Respondents Education Qualification

Educational Qualification	Respondent	Percentage
SSLC	3	6%
PUC	6	12%
Graduation	23	46%
PG	18	36%
Total	50	100%

Table 5. Respondents Years of Association

Years of Association	Respondent	Percentage
1 to 5	18	36%
6 to 10	17	34%
11 to 15	10	20%
Above	5	10%
Total	50	100%

Table 6. Respondents Position

Type of work	Respondent	Percentage
Manager	8	16%
Assistant Manager	12	24%
Financier	16	32%
Clerk	14	28%
Total	50	100%

1. The age distribution sample can be seen from the above table, out of total sample, 50% of the respondents are from the age group of below 30.28% are between 30-40 years, 16% are from age group of 40-50 and only 06% belong to the age group of above 50 years. This shows that, majority of the employees in bank belongs to the age group of between below 30 years, and that indicates the half of the portion of respondents are too young they can avoid stress and friction when they feel tired and they can work actively.

2. The evidence on Gender ratio is that 56% of respondents are male, 44% of respondents are female employees. Above statement clearly shows that majority of employees in bank are male and quite less number of female employees, because compare to female, male employees can easily avoid stress working in this bank but female employees have more responsibility compare to male.

3. The information on marital status of respondents is that 54% are married and 46% are unmarried employees. It clearly indicates that majority of the employees in this bank are married. Unmarried employees have a less responsibilities compare married employees they don’t have family stress some time family stress also effect on employees work, that is over burden to employees.

4. The education qualification is that 46% of respondents are graduates, 36% of respondents are post graduates 12% of respondents have completed their P U C and 6% respondents are completed SSLC. From above analysis it can be infer that majority of them are from graduation and post graduate background. This group comprises of the supervisors and desk job employees are more among these employees because of responsibility associated with it. Supervisors have to see that the subordinates perform. Because of banks rules and regulations are very strict to lead their goal banks expects more competencies from employees. So that banks are selected majority graduates and post graduates has an employee.

5. It also indicates that the 36% of respondents associated from 1 to 5 years, which indicates that the majority of employees recently become the part of state bank of India. The minimum percentage 10 indicates that the very less employees associated with state bank of India from many long years which are above 15 years. What it shows means most of the employees is associated with in 5 years, so most of the employees is young and less experience persons in the bank.

Table showing the causes of the stress

Sl. No	Causes	SD	D	NANA	A	SA	Total	Weighted Average
	Physical	10	5	7	16	12	50	1
1	Environment problem	10	5	7	16	12	50	1
2	Lack of communication	20	7	11	8	4	50	-0.16
3	Family problem	13	11	9	10	7	50	0.26
4	Computation and conflict	25	6	5	8	6	50	-0.11
5	Favouritism	18	7	13	7	5	50	-0.006
6	Depression	15	10	6	11	8	50	0.08
7	Eating disorders	12	8	11	13	6	50	0.115
8	Lack of interest in work	15	12	7	8	8	50	0.025
9	Effects on memory, concentration	17	6	11	9	7	50	0.05
10	Heath issues	25	11	4	5	5	50	-0.16

SD=Strongly Agree, A=Agree, NANA=neither agree nor disagree, D=Disagree, SDA=Strongly Disagree.

6. The 16%of respondents are managers, 24% of respondents are assistant managers, 32% are financiers and 28% are clerk. The above table showing that the type of work of employees the maximum percentage (32%) indicates that the majority of employees are financiers which also leads to have an understanding that the most of people involve in financiers job operations. The minimum percentage (16%) determines that the very less of the people are managers it is classified that there is only one manager in bank so that the study has been covered the less number of managers.

The above table determines the classification of respondents on the basis of causes of stress in Banks. On the basis of the maximum weight (1.00) it clears that the major cause for the stress in bank is physical environment problem, on the basis of the second highest weight (0.26) it clears that the family problem is the second major problem for stress, on the basis of the lowest weight (-0.16) determines that the lack of communication and health issues are the least influential for the stress to occur among Bank employees.

Later the Demographic profile and the causes of the stress were considered to check the impact of the demographic profile on the causes of the stress. To determine the impact the chi-square was applied.

Chi-Square Tests
	Value	df	Asymp. Sig. (2-sided)
Pearson Chi-Square	87.000	81	.304
Likelihood Ratio	48.547	81	.998
Linear-by-Linear Association	4.157	1	.041
N of Valid Cases	12

Statistical tools applied for the study purpose: based on the primary data collected through administering the questionnaire, the data was sufficient to apply the Chi-square.

The P Value is greater than the 0.05, so null Hypothesis is accepted an alternative hypothesis is rejected. This shows that there is no significant relationship between the demographic profile and the causes of stress. And the test result shows that the demographic profile of the bank employees not influence on the stress to occur but instead that there are some other factors other than demographic factors. Hence, the demographic factors are the insignificant for the stress.

10. FINDINGS:

1. The majority of the respondents are male; it leads to have an understanding that the male employee prefers the bank jobs than the female employees.

2. The majority of the employees in the banks are below the age of 30; this indicates that the maximum employees of the bank are very young.

3. The very less employees’ works in the banks that crossed the 50 age.

4. The majority of the bank employees are married.

5. The majority of the bank employees graduated, and the very less employees were completed the secondary school.

6. Majority of the employees are associated from 5 years, this describes that the majority of the employee joined to the banking jobs very recently, and the very minimum of bank employees associated from the 15 years. This leads to have an understanding that there were very people who like to continue doing the bank jobs.

7. The majority of the bank employees are clerks, this clarifies that the maximum positions in the bank are clerks position.

8. The bank employees are very busy because the banking operations connected with the crore’s of bank customers.

9. The busy schedule of the bank employee indicates their commitment towards producing the customer service and quality.

10. The bank employees concentrates on completion of the bank operations to not to carry the banking operations for the next day.

11. The bank employees generally focused towards doing both manual and online operations.

12. The online operations of the bank employees led to suffer with the fatigue and boredom.

13. The banking operations became electronic, people believe that the electronic operations are automated but still bank employees need to manage them that becomes the major issue for the bank employee to being busy in their business.

14. Certainly the bank employees fail to manage the problem which they facing in the form of stress due to their job.

15. The bank employees somehow get the good salary and other benefits, but it comes to management of stress no such precautions the banks take to overcome the stress of employees.

16. Usually the bank employees not easily realize that they facing the stress, instead that they burst out on their customers.

17. The bank employees running with the stress, but that the more influential by their social and personal life rather than their professional life.

11. SUGGESTIONS:

1. The bankers need to take the precautionary measures frequently through counselling, mentoring and guiding to find out whether the bank employees facing stress or not.

2. The bankers need to go with the informally to identify the level of employee stress.

3. When certainly bank employees burst out on employees, they need to be provided with the training to manage themselves with the customers when they are stresses.

4. The banker should provide space for the bank employees to share their problem.

5. The banks should specifically need to have the employee stress reduction stress, so that the employees can share their problems whether it is personal of professional.

6. The bank employees not suppose to get escape from the stress knowingly, instead that they expose themselves in front of the experts.

7. The banks need to very much focus on providing the refreshment activities for the employees to get relieve from the stress.

8. The banks need not to pressurise the employees to reach the target, instead that the banks need to follow some other moral development strategies to get work done from the employees.

9. The banks need to focus on providing the employee relief from the banking operations by rotating employees.

10. The banks need to go for maximum hiring of candidates to balance the work pressure during the absence of the employees.

11. The bank employees need to take break from the banking activities for very short time period to manage them from stress.

12. The bank employees need to have a habit of doing yoga, exercises and other such activities to keep them away from stress.

13. The bank employees need to learn keeping their personal issues away from the professional related things so that the employee can concentrate much on their profession during their working hours.

14. The bank manager should not force bank employees to meet their monthly targets, instead that the bank managers need to motivate the bank employees to reach the target.

15. The banks need to protect the interest of the bank employees.

12. CONCLUSION:

The entire study states that the stress is one major constraint for the bank productivity, if the stressed employees perform the banking operations that lead to create the inconvenience in that. The banks need to concentrate on the creation of all such environment which possibly reduce the stress of employees and also the banks need to provide some space to employees to easily manage both the work as well as profession. And it was found that the demographic factors not impact on the stress to create among the employee and suggested that to bank employees also to cooperate the bank needs whenever the bank have requirement.

13. REFERENCE:

1. Jamshed Khan Khattakk, Muhammad Aslam Khan, Ayaz Ul Haq, Muhammad Arif and Amjad Ali Minas. ccupational stress and burnout in Pakistan’s banking sector. African Journal of Business Management. 2011; 5(3): 810-817.

2. Muhammad Ehsan and Kishwar Ali. The Impact of work stress on employee productivity: Based in the Banking sector of Faisalabad, Pakistan”, International Journal of Innovation and Economic Development. 2019; 4(6): 30-50.

3. Lakshmi Narahari and Kalpana Kaneru. Stress management techniques in banking sectors in India. International Journal of Research in Business studies. 2017; 2(2).

4. Manjunatha M K and Renukamurthy. Stress among banking employee-A Literature Review. International Journal of Research Granthaalayah. 2015; 5(1).

5. Aksa Ann Mammen and Vigraanth Bapu K G. Emotional Regulation and Occupational Stress among Bank Employees. The International Journal of Indian Psychology. 2021; 9(2).

6. Alice Mannocci, Laura Marchini, Alfredo Scognamiglio, Alessandra Sinoppoli, Simone De Sio, Sabina Sernia and Giuseppe La Torre. Are Bank Employees Stresses? Job Perception and Positivity in the Banking Sector: An Italian Observational Study. International Journal of Environmental Research and Public Health. 2018;15: 707.

7. Josephine Anterkyi Bentil. Impact of work-Related stress and Marital Status on Job Effectiveness of Female Bank Workers. Journal of Education and Practice. 2018; 9 (11).

8. Aakanksha Pandey, Sanghamitra Mohapatra and Aarti Singh. Analysis of Women’s response towards enjoyment and occupational stress level in private and public sector at the time of work in Allahabad district. International Journal of Home science. 2018; 4(1): 114-116.

Received on 28.07.2022 Modified on 17.08.2022

Asian Journal of Management. 2023;14(3):197-202.

DOI: 10.52711/2321-5763.2023.00033