IOSR-JBM   Volume-16 ~ Issue-1 ~ Feb-2014

Paper Type	:	Research Paper
Title	:	Assessment of Tourism Development In North Sulawesi Based On The Holistic Geotourism Perspective
Country	:	Indonesia
Authors	:	Harley A.B. Mangindaan || Djabir Hamzah || Rahman Kadir || Indriyanti Sudirman
	:	10.9790/487X-16150106

Abstract: This study was conducted to examine the competitiveness of tourism in North Sulawesi based on a holistic perspective of geotourism. This study was specifically conducted in three regions of North Sulawesi, City of Manado, City of Bitung, and North Minahasa Regency. The method used in this research is descriptive qualitative with survey approach. Geotourism study was approached with the cutting-edge approach to what is called experience-oriented based that is gathering all stakeholders in order to determine destination competitiveness. The population in this study consisted of travelers/selected communities, tourism actors, and regulatory policy/government. The results showed that the existence of a gap between perspectives of respondents from group of supply side and demand side have to be solved by an alternative strategies for building of tourism Geotourism as holistic and competitive way. This study also shows that feature of geotourism only has small share in determining competitiveness. Factors of prospective management is the biggest factor in determining competitiveness, followed by a cost-competitive, complete, exotic, and integrated object.
Keywords: Geotourism, competitiveness, holistic approach.

[1] Dowling RK. 2009. Geotourism's contribution to local and regional development. In: de Carvalho C, Rodrigues J (eds) Geotourism and local development. Camar municipal de Idanha-a-Nova, Portugal, pp 15–37
[2] Hose, Thomas A. 2006. Geotourism and interpretation In Dowling R.K.& Newsome D.(Eds): Geotourism-221-241,Oxford-Burlington (Elsevier Butterworth-Heinemann).
[3] Newsome, D., and Dowling, R.K. 2010. The Tourism of Geology and Landscape. Goodfellow Publishers Limited. (diakses 23 November 2012).
[4] Robinson, A.M. 2010. Australian Geotourism – Current Challenges and Future Opportunities. The Linnean Society of NSW Symposium. (diakses 23 November 2012).
[5] Robinson, A.M., and Percival, I.G. 2011. Geotourism, Geodiversity and Geoheritage in Australia–Current Challenges and Future Opportunities. Foreword to Papers from a Symposium on Geodiversity, Geological Heritage and Geotourism. Proceedings of the Linnean Society of New South Wales 132, 1-4.

Paper Type	:	Research Paper
Title	:	Production Control and Corporate Productivity Performance in the Nigerian Manufacturing Industry
Country	:	Nigeria
Authors	:	G. I. Umoh || Ify Harcourt Wokocha
	:	10.9790/487X-16150113

Abstract: This paper investigates the extent to which Production Control, had affected the Corporate Productivity Performance of the Nigerian manufacturing industry. Three hypotheses were formulated and questionnaire were distributed to eighty respondents in the eighty sampled manufacturing firms from the one hundred in the industry, quoted in the Stock Exchange(Fact Book 2009). Sixty two copies of the questionnaire were retrieved. These with the financial statements of the firms were used for the analysis. From its findings, the study revealed that production control has significant impacts on Corporate Productivity Performance of Nigerian manufacturing industry. This finding implies that production control significantly affects the Corporate Productivity Performance of firms. Based on these, the study recommends among others, that the Nigerian manufacturing industry should efficiently and effectively operationalize an all embracing production control, in order to restore the industry as the base of all development.
Keywords: Production Control, Corporate Productivity Performance.

[1] Abrahamson, F.A. and Pickle, G. (1990) "The Interface of Production and Marketing – An Empirical Analysis"; Journal of Industrial Marketing; 7 (1): 212-236.
[2] Agbadudu A.B. (1996) Elementary Operations Research 2, Benin: Mudiaga Press.
[3] Anwuluorah, M. C. (1987): "Surveys and when is a survey best in Social Research and Information Gathering" in Ugwuegbu, D.C.E. and Onwumere, S. O. (ed) Social Research and Information Gathering, (Lagos, F. G. Printers) p.17 - 27.
[4] Bestwick, P. P. and Lockyer, K. (2008) Quantitative Production Management, London: Pitman
[5] Billington, P. I.; McClain J. O. and Thomas, L. J. (2003) Mathematical Approaches to Capacity-Constrained MRP Systems: Review, Formulation and Problem Reduction, Management Science, Vol. 29, No. 10 (October), pp.1126-1141

Paper Type	:	Research Paper
Title	:	Strategic Analysis of Advertisement Tools Affecting Consumer Buying Behaviour
Country	:	India
Authors	:	Ms. Mansi Kapoor || Ms. Suman Si || Ms. Sangeeta Gupta
	:	10.9790/487X-16151423

Abstract: The paper provides an understanding of how consumer's responses can vary as a function of advertising context. The paper gives an insight about the interface with ads and its tools at large and facilitating a better role in terms of market awareness of various advertisement and its tools by engaging in development of newer strategies for a much more satisfactory level of performance. Such advertisement tools help the marketers to survive in the Indian market in future. The paper analyses how a celebrity endorser helps to perceive as a winning formula for product marketing and brand building and how sensitivity in humour helps to make the product more memorable. The continuous challenge in advertising is to find the human truths and connect them with the product to create engaging communication on an emotional front thereby generating a sense of belonging towards the company's product for an effective purchase. Products have to put a lot of effort to develop a mechanism by which they can really estimate the overall impact of advertisement on the community in general and product in particular. The study uses the primary as well the secondary data to assess how advertisement leads to purchase and act as a source of information and the impact of the most important aspects of advertisement in relation to celebrity endorsement, sensitivity of humour, emotions, ethics, music and Nationality of the advertisement context.
Keywords: advertising, advertisement tools, celebrity endorsement, consumer behaviour, ethics in advertising.

[1] Duncan, T. & Moriarty, S. (1999) Brand relationships key to agency of the future, Advertising Age, Vol. 70, Issue 10: 44
[2] Jones, J.P. (1990) Advertising: Strong Force or Weak Force? Two Views an Ocean Apart. International Journal of Advertising Vol. 9, Issue 3: 233-246
[3] Jones, J.P. (2002) The Ultimate Secrets of Advertising, Sage Publications, Thousand Oaks, Ca http://www.pwc.in/industries/entertainment-and-media.jhtml
[4] http://adage.com/article/cmo-strategy/marketing-celebrity-endorsements-push-product/146023/
[5] Aaker, David A., Douglas M Stayman, and Michael R. Hagerty (1986), "Warmth in Advertising: Measurement, Impact, and Sequence Effects," Journal of Consumer Research, 12 (March), 365381.

Paper Type	:	Research Paper
Title	:	Impact of Dividend Policy on Shareholder Wealth
Country	:	Pakistan
Authors	:	AsmaTahir || Nain Tara Sarfarz Raja
	:	10.9790/487X-16152433

Abstract: The present paper is aimed at analyzing the impact of dividend policy on shareholder wealth of oil and gas exploration companies of Pakistan during the years from 1999 to 2006. Statistical tools are used in this research including regression and correlation methods to ascertain best fitted model for predicting the dividend policy impact on shareholders wealth, by taking dividend payout ratio, P/E ratio and BV/MV equity ratio as independent variables and holding period yield as dependent variable. To determine the proportion of explained variation in dependent variable, the coefficient of determination has been tested with the help of F-test. The result indicates based on historical data and statistical analysis that correlation between independent variables and depended variable is very low for all companies showing insignificant relationship between them.
Keyword: Dividend payout ratio, holding period yield, oil and gas, Price to earnings ratio, shareholder wealth .

[1]. Al-Twaijry, A., A., M., (2006). An Analysis of the Relationships among Stock Prices (and Returns), Dividends and Earnings in the UK Stock Market. J. King Saud Univ., Vol. 18, Admin.Sci. (2), pp. 63-91, Riyadh (1426H. /2006).
[2]. Anand, M., (2004).Factors Influencing Dividend Policy Decisions of Corporate India. The ICFAI Journal of APPLIED FINANCE volume 10 No. 2 (2004).
[3]. Anil, k., Kapoor, S., (2008).Determinants of Dividend Payout Ratios-A Study of Indian Information Technology Sector.International Research Journal of Finance and Economics ISSN 1450-2887 Issue 15 (2008)
[4]. Asquith, P., Mullin, D., (1983). The Impact of Initiating Dividend Payments on Shareholders' Wealth.The Journal of Business, Vol. 56, No. 1 (Jan., 1983), pp. 77-96
[5]. Auret, C., Sinclaire, R., (2006). "Book-to-market ratio and returns on the JSE". Investment Analysts Journal – No. 63 2006.

Paper Type	:	Research Paper
Title	:	Wider Perspective on Economical Management and Areas of Improvisation of Non-Major Indian Ports
Country	:	India
Authors	:	R. U. Nagaraja
	:	10.9790/487X-16153438

Abstract: The entire functionality of the enterprise can be understood by mapping the process of the enterprise. The main objective of business process improvement and process mapping is to reduce the operational delay and to keep a check on the process. There are many references to business process improvement. The references had stressed the benefits of business process improvement in general which is common to all the industry. Business Process Improvement and ways to improve the business process from port domain perspective had received a little or no attention. This paper aims to uncover areas or departments where process can be improved in non-major ports handling small quantity of cargo every month.

[1]. Hesse, M., Rodrigue, J.P., 2004. The transport geography of logistics and freight distribution. Journal of Transport Geography
[2]. Sanchez, R.J., Hoffman, J., et al, 2003. Port efficiency and international trade: port efficiency as a determinant of maritime transport costs. Maritime Economics and Logistics
[3]. Abdul Karim Reengineering the Public Service, Pelanduk Publications
[4]. Ugboma, C., Ugboma, O., Ogwude, I., 2006. An Analytic Hierarchy Process (AHP) approach to port selection decisions – empirical evidence from Nigerian ports
[5]. Martin A Ould, Modelling and Analysis for Re-Engineering, Wiley.

Paper Type	:	Research Paper
Title	:	Influence of Study Strategies on Performance of Business Education Students in Financial Accounting in Federal Universities in Nigeria
Country	:	Nigeria
Authors	:	Mrs. Umar, Rahmat Talatu || Professor M. M. Aliyu
	:	10.9790/487X-16153943

Abstract: The study was carried out to determine the Influence of study strategies (surface and deep study strategies) on Performance of Business Education Students in Financial Accounting in Federal Universities in Nigeria. The objective was to identify the differences in performance of business education students that adopted surface strategy and those that adopted deep study strategy in learning Financial Accounting. The population of the study was two hundred and eighty-one Financial Accounting students of the ten Federal Universities in Nigeria offering Business Education. Eighty students from the three first generation universities namely: Ahmadu Bello University, Zaria, University of Benin, Benin City and University of Nigeria, Nsukka were used as sample for the study. Revised Study Process Questionnaire (R-SPQ-2F) and Financial Accounting Evaluation Test (FAET) made of post-tests 1 and 2 were administered to the sampled students. The study adopted repeated measure experimental designs often referred to as within-subjects design.
Keywords: Business Education Students, Financial Accounting, Study Strategy.

[1] Oxford, R.L. (1990). Language Learning Strategies: What every teacher should know. New York Newbury House/Harper and Row.
[2] Tight, M. (2003) Researching Higher Education. Maiden Lead, Berkshine, United Kingdom: McGraw Hill.
[3] Ramburuth, R. And Mlladenovice, R. (2004). Exploring the Relationship Between Students Orientations To Learning, The Structure Of Students‟ Learning Outc Publiched date 04. Feb 2014omes and Subsequent Academic Performance In Accounting Education. An International Journal of Accounting Education. 13(4), 507-527.
[4] Maranni, B., Barbara, F., and Pauline Willis (2009). An Inter-Institutional Exploration of the Learning Approaches of Students Studying Accounting. International Journal of Teaching and Learning in Higher Education, 20 (2), 156-168.
[5] Dujkora, B.B (2002). Individual Learning Styles and Strategies. Unpublished Msc. Thesis submitted to the post graduate school, University of Pardubice. Gzech Republic.

Paper Type	:	Research Paper
Title	:	Paper on job satisfaction of SBI EmployeesJob Satisfaction of Public Sector Bank Employees (A Case study of Udaipur and Rajsamand Districts S.B.I.)
Country	:	India
Authors	:	Dr. M. G. Varshney || Sangeeta Malpani
	:	10.9790/487X-16154452

Abstract: Satisfaction from life and every work is the important aim of every one's life. We spent maximum time of our in working or involving in any economic activity which is the main sources of surviving our life. Every employee wants to get higher level of satisfaction from his job. Job satisfaction is the favorableness or un-favorableness with which employees view their work. Job satisfaction is a psychological concept and it is mostly depend upon the internal feeling of employees. There are a lot of independent variables on which job satisfaction is depending. These are educational qualifications, nature of work, pay, job security, promotional opportunities and family & work life balance. The employee's satisfaction improve the productivity and profit so it is importantboth employees and employer also.In this paper researcher tried to explain the concept and factor affecting job satisfaction and their significant relationship with all factors. The commercial banks have embarked on different management strategies as resorts to promote employees job satisfaction. The main purpose of the study is to identify the levels of job satisfaction among employees of public sector bank and the factors contributing to job satisfaction.
Keywords: dependent, employee, psychological, strategies, satisfaction, variables.

[1]. Alam (2013) " Wages and Employees Satisfaction" Management and LabourStidies. 23(3), pp. 421-427.
[2]. Bajpai, N., &Srivastava, D. (2004). Sectorial comparison of factors influencing job satisfaction in Indian banking sector. Singapore Management Review, 26(2), 89–99
[3]. Barrows, D., & Watson, T. (n.d.). A comparative analysis of job satisfaction among public and private sector professionals. Retrieved October 29, 2004, from: http://job-satisfaction 2.htm
[4]. Berkowitz, L., Fraser, C., & Treasure, P. F., & Cochran, S. (1987). Pay equity, job gratifications, and comparisons in pay satisfaction. Journal of Applied Psychology, 27, 544–551.
[5]. Bhatti, Komal k., &Qureshi, Tahir M. 2007. Impact of employee participation on job satisfaction, employee commitment and employee productivity. International Review of Business research papers, vol.3 no.2 June 2007.

Paper Type	:	Research Paper
Title	:	The impact of incentives on Employees turnover at Pakistan InternationalContainer Terminal Limited ("PICT") with respect to the different age brackets
Country	:	Pakistan
Authors	:	Mohammad Atiq || Afshan Bhatti
	:	10.9790/487X-16155360

Abstract: The aim of this study is to examine the impact of selected incentives on employee's turnover at Pakistan International Container Terminal Limited with respect to the different age brackets. The results of study shall make the management to visualize the actual scenario, however the conclusions on the basis of analysis might inspire Management of the company, to think and take measures to mitigate the problem and retain their precious employees by aligning the incentives with the needs of the employees as well as to compete with the market competitive pay-scales. The data shall be collected by using stratified random sampling technique. Structural questionnaires comprising the validity of incentives regarding the age brackets of employees will be adopted, through direct interviewing the individuals. After data collection, results shall be generated and analysis would be carried out to support or reject the research analysis. The significance and its limitations are also discussed.

[1] Official website of PICT www.pict.com.pk
[2] Discussion / talk with various categories of employees.
[3] Book of Human Resource Management by Gary Dessler (12th Edition)
[4] Website http://en.wikipedia.org/wiki/Human_resource_management
[5] Research on Motivation by Michal Kirstein Aarhus School of Business Aarhus University.

Paper Type	:	Research Paper
Title	:	Selection of Stock: A Practical Study on Selected Software Companies
Country	:	India
Authors	:	Mythri B. || Radhakrishna Nayak
	:	10.9790/487X-16156167

Abstract: Traditionally a layman used to invest his extra cash would like to invest in those investment alternatives which he could fetch a handsome return. But it is not so in the present financial environment where in he has to even look into the risk and time factors associated with such investment alternatives. The sacrifice that has to be borne is certain but the return in the future may be uncertain. This attribute of the investment indicates the risk factor. As global economies are getting integrated, technology companies are finding it an overow task to align to the changing realities. In such a scenario, analyzing stocks from the technology sector requires utmost caution and understanding. Present paper aims to guide an investor in respect of selection of securities using different evaluation criteria respectively supported with practical study.
Keywords: Beta, CAPM, Expected Rate of Return (ERR), Investment, Return, Risk, Risk Premium.

[1] Punithavathy Pandian, Security Analysis and Portfolio Management, Vikas Publishing House Private ltd, Noida,2011.
[2] http://investopedia
[3] http://wikipedia
[4] http://profit.ndtv
[5] www.equitymaster.com

Paper Type	:	Research Paper
Title	:	Impact of cognitive profile and information uncertainty on herding behavior of investor
Country	:	Pakistan
Authors	:	Dr. Taqadus Bashir || Tajalli Fatima || Hafsa Ilyas || Amir Chudhary
	:	10.9790/487X-16156874

Abstract: Primary objective of this paper was to investigate the impact of information uncertainty and cognitive profile of investors on herding behavior. We analyzed the behavior of investors influenced by the decision of other investors due to the lack of information and cognitive profile of investors. Well-designed experiments in three sessions are conducted for this study. These experiments were conducted in three stages to check the impact of different levels of information and conditions on the herding behavior. This study reflects that there is a positive relationship between the information uncertainty and the biasness of investor's behavior and occurrence of herding. Studies also reveal that the previously existing financial information and previously shown behavior in the market also encourages the herding phenomenon prevailing in the market. Researches indicate that the change in the Cognitive profile of the investors is more significant due to the increase in the financial information and the historical record of the transaction. There is also a significant change in the biasness of the investor due to the public information.
Keywords: Herding Behavior, investor behavior, information uncertainty, hearing impact, cognitive profile.

[1] Alevy, J. H. (2007). "Information cascades: evidence from a field experiment with financial market professionals". The Journal of Finance.
[2] Allen, F. S. (1993). Finite bubbles with short sale constraints and asymetric information. Journal of Economic Theory.
[3] Beatriz Fernández, T. G.-M. (2001). the role of the interaction between information and behavioral bias in explaining herding. Departments of Financial Economics and Accounting, and Management.
[4] Bellando, r. (2010). Measuring Herding Intensity: a Hard Task. * Laboratoire d‟Economie d‟Orléans.
[5] Bikhchandani, S. a. (2001). "Herd behavior in financial markets". IMF Staff Papers.

Paper Type	:	Research Paper
Title	:	Work Overload, Work-Family Conflict, Family-Work Conflict and Their Effects on Job Embeddedness: The Moderating Role of Coworker Support
Country	:	Pakistan
Authors	:	Fatima Salam
	:	10.9790/487X-16157580

Abstract: The study was intended to find out the impact of work overload, work-family conflict and family-work conflict on job embeddedness. For the analysis of the study an aggregate of 250 responses were chosen. Analysis was made through Simple, multiple and moderating regression. Results have shown a substantial influences of work overload and family-work conflict towards job embeddedness. Support of coworker could not moderate any of the proposed relationships.

[1]. Adams, G. A., King, L. A., & King, D. W. (1996). Relationships of job and family involvement, family social support, and work–family conflict with job and life satisfaction. Journal of Applied Psychology.Vol. 81 No. 4
[2]. Aslam, N. Imran R. Anwar, M., Hameed, Z., Kafayat, A. (2013) The Impact of Work Family Conflict on Turnover Intentions: An Empirical Evidence from PakistanWorld Applied Sciences Journal Vol. 24 No. 5
[3]. Armstrong, D. J., Riemenschneider, C. K., W. A. Myria, Reid, M. F. (2007).Advancement, voluntary turnover and women in IT:A cognitive study of work–family conflictJournal of Information & managementVol. 44
[4]. Basford T. E.,AND Offermann L. R.(2012). Beyond leadership: The impact of coworker relationships on employee motivation and intent to stayJournal of Management & OrganizationVol.18 no.6
[5]. Bedeian , A . G . , Mossholder , K . W . and Armenakis , A . A . ( 1983 ) Role perception-outcome relationships: Moderating effects of situational variables . Human Relations.

Paper Type	:	Research Paper
Title	:	Management Development for Women Entrepreneurs in the SME Sector of Bangladesh
Country	:	Bangladesh
Authors	:	Md. Alamgir Jalil1 || Fatema Roksana || Md. Jahangir Alam
	:	10.9790/487X-16158187

Abstract: The paper strives to analyze the management practices to realize the necessity of management development for women entrepreneurs in SME sector. This study shows the necessity of management development for enhancing competitive efficiency and effectiveness of women entrepreneurs in the SME sector of the developing economy of Bangladesh. Integrated Management Process, Risk Management and Credit Control, Productivity Management, Quality Management, Sales Management, Human Resource Management, Business Process Improvement, Health and Safety Measures and Social Responsibility are considered as the parameters to comprehend practice pattern of management development tools. Qualitative discussion along with quantitative analysis detects the necessity as well as the significance of management development for women entrepreneurs in the SME sector in Bangladesh.
Keywords: Management Development, Small & Medium Enterprise (SME), Women Entrepreneurship, Performance, Effectiveness and Efficiency.

[1]. Ahmed, K. and Chowdhury, T.A. 2009, "Performance Evaluation of SMEs of Bangladesh",International Journal of Business Management, Vol. 4, No. 7
[2]. Al-Hossienie 2011, Chowdhury Abdullah "Socio-Economic Impact of Women Entrepreneurship in Sylhet City, Bangladesh", Bangladesh Development Research Working Paper Series, 12, P. 3.
[3]. Anwar S. Farhat 1992, "Management of Rural Women Entrepreneurs: The Case of Bangladesh", Journal of Business Administration Vol. 18, No. 3 & 4, Dhaka.
[4]. Mazumder M. H. and T. R. Choudhury 2001 "Problems of Managing Small and Medium Enterprises in Bangladesh", Bank Parikrama: A Journal of Banking and Finance, Vol. 26, No. 1, pp. 5-32.
[5]. Miah, Ayub 2007 "Small & Medium Enterprise Sector Development Policies & Programs", Dhaka, Bangladesh: Dhaka: SME Cell, Ministry of Industries (mimeo).

Paper Type	:	Research Paper
Title	:	Strategic quality planning and its impact on patients satisfaction: Empirical evidence from private health care sector of Pakistan
Country	:	Pakistan
Authors	:	Mudassar bilal || Dr. Hummayoun Naeem
	:	10.9790/487X-16158891

Abstract: Strategic quality planning is considered as essential in today's global competition. Limited work has been conducted on SQPP (Strategic quality planning process).This paper describes the strategic quality planning and its impact on private health care sector of Pakistan.
Keywords: strategic quality planning, patient's satisfaction, Pakistani private health care sector.

[1]. http://totalqualitymanagement.wordpress.com/2008/10/04/strategic-quality-planning/
[2]. http://en.wikipedia.org/wiki/Strategic_planning
[3]. http://aiqmindia.blogspot.com/2011/01/strategic-quality-planning-and.html
[4]. http://www.aaos.org/news/aaosnow/jun13/advocacy5.asp
[5] Employee empowerment and customer satisfaction: Empirical evidence from the banking sector of Pakistan by Hummayoun Naeem* and Muhammad Iqbal Saif.

Paper Type	:	Research Paper
Title	:	A Comparative Study of Selected Public & Private Sector Equity Diversified Mutual Fund Schemes in India
Country	:	India
Authors	:	Dr. Vinay Kandpal || Prof. P. C. Kavidayal
	:	10.9790/487X-161592101

Abstract: This study is an effort to analyze the performance of selected Equity Diversified schemes with a view to see its impact on investor's decision making. In this study 18 Equity Diversified Mutual Funds schemes are taken as sample and the selection of schemes was on the basis of Corpus size and Returns of last 5 years. The risk free rate taken is 5.5%. In order to give an increased return in domestic savings of investors and improvement in allocation of investment in different sectors, the need and scope for mutual fund as an investment option has increased immensely. Investment in Mutual fund is restricted to Tier 1 and Tier 2 cities whereas the rural and semi urban communities. One of the reasons behind it is lack of awareness in rural and semi urban areas. There is, therefore, a strong need for improving the awareness. The Private Sector Mutual Funds have recorded much better performance as compared to the Public sector Mutual Funds mainly due to better Funds allocation, better Management and efficient performance of Portfolio Manager. This result was arrived at after calculating and comparing the Sharpe, Treynor, beta and Jensen ratio.
Keywords: Mutual Fund, Beta, Standard Deviation, Sharpe's Index, Jensen.

[1]. Debasish, Sathya Swaroop, Performance Evaluation Choice Funds, SCMS Journal of Indian Management, January- March 2007.
[2]. Gupta, Amitabh, ―Market Timing Abilities of Indian Mutual Fund Managers: An Empirical Study.‖ The ICFAI Journal of Applied Finance. Vol. 6, No.2, April 47-60, 2000.
[3]. Jayadev, N., ―Mutual Fund Performance: An analysis of Monthly Returns‖ Finance India, Vol. X No.1, March 1996.
[4]. Jensen, M.C, (1968), ―The Performance of Mutual Funds‖, Journal of Finance, Vol. 23, No.2. ―The Performance of Mutual Funds In The Period 1945 – 1964‖, Journal Of Finance (May 1968)
[5]. Panwar,Sharad and Dr. Madhumathi (2006), ―Characteristics and performance evaluation of selected mutual funds in India‖, www.ssrn.com, paper no.876402 and pp. 1-19

Paper Type	:	Research Paper
Title	:	The System in Islamic Banking In-terms of Customer Satisfaction in Pakistan
Country	:	Pakistan
Authors	:	Syed Muhammad Kazim Hamdani
	:	10.9790/487X-1615102106

Abstract: Customer satisfaction is one of the most important aspects of banking sector. The satisfaction of different customers in Pakistan is very much focused on receiving good quality of products and level of customer services provided by the employees in the Islamic banks. The research objective was to check the customer satisfaction of different users and how they accept the Islamic banking. The research was conducted through questionnaire survey, Meezan and Bank Islami were considered for the collection of data. The section of research includes 149 different customers from Bank Islami and Meezan bank. Regression, Anova and correlation were used and it shows a positive relationship. The study helps the employees to grow themselves as well as to increase their standing and to carry variation about the products/services as compared to the other banking system.

[1]. Omar Mustafa Ansari, June 19, 2007, Managing Finances: A Shariah Complaints way, Published by Time Management club, Pg number (32-40).
[2]. Hazrat Mulana Mufti Mohammad shafi, Mulana Mufti Mohammad Taqi Usmani, 1997, The Issue of Interest, 3rd edition, Published by Dar ul Ishaat, Pg number (13-16).
[3]. S.A Meenai, 1984, Money and Banking in Pakistan, Islamization of Banking, 3rd edition, Published by oxford university press 1984, Pg number (50-63).
[4]. DAWN 13-05-2006 - Image building of banks.
[5]. The News 20-mar-2006 - Personal finance and consumer complaints.

Paper Type	:	Research Paper
Title	:	Tour operators perceptions on "Zimbabwe: A World of Wonders" tourism brand
Country	:	Zimbabwe
Authors	:	Mirimi Kumbirai || Vengesayi Sebastian || Kabote Forbes || Chikafu Jesca
	:	10.9790/487X-1615107117

Abstract: Zimbabwe's brand theme "Discover Zimbabwe" put in place soon after the country's independence was replaced by "Zimbabwe: Africa's Paradise" which was characterised by images of economic hardships which negatively affected tourism development resulting in the destination being rebranded to "Zimbabwe: A World of Wonders". In today's competitive environment, destinations have to fight for visitors and therefore strategic approaches to destination branding are essential. The failure to incorporate stakeholder perspectives in managing brands to competitively contribute to tourism development can compromise collaboration amongst different players in the tourism sector. This study used a quantitative approach to explore Tour Operators' perceptions on Zimbabwe's destination rebranding exercise (Zimbabwe: A World of Wonders), mainly focusing on brand coverage, stakeholder consultation and value for money associated with the brand. Findings from the study indicate that in terms of brand coverage, Zimbabwe: A World of Wonders brand covers extensive aspects (economic, heritage, and destination accessibility). Further the findings indicate that stakeholders were consulted on policy and partnership issues but implementation was the challenge. We therefore concluded that in as much as the brand covers a wide range of aspects, issues addressed during stakeholder consultation have to be implemented for the brand to succeed.
Keywords: branding, rebranding, tour operator, destination, stakeholders.

[1] Ndlovu, J. Branding as a strategic tool to reposition a destination: a survey of key tourism stakeholders in Zimbabwe. Unpublished PhD Thesis. University of Pretoria, 2009.
[2] Mirimi, K., Utete, B., Mapingure, C., Mumbengegwi, P and Kabote, F. Appropriateness of branding as a tourism resuscitation tool for Zimbabwe, American Journal of Tourism Management, 2 (2), 2013, 47-54.
[3] Muleya, D. Tourism tumbles in Zimbabwe. (Online) Available from http://allafrica.com/stories/200211220434.html. 2002, [Accessed: 23-10-2013].
[4] Ndlovu, J., Nyakunu, E and Heath, E.T. Branding a destination in a political crisis: Re-learning, re-thinking and realigning strategies, NJLC, 3 (2), 2009, December.
[5] Dolnicar, S. and Huybers, T. Different Tourists - Different Perceptions of Different Cities Consequences for Destination Image Measurement and Strategic Destination Marketing In J. A.. Mazanec and K. Wöber (Eds.), Analysing International City Tourism, Vienna / New York: Springer, 2010, 127-146.