IOSR-JBM   Volume-16 ~ Issue-4 ~ April-2014

Paper Type	:	Research Paper
Title	:	Customer Brand Loyalty towards Corporate Retail Store - [A case study of Big Bazaar retail store in Bangalore city]
Country	:	India
Authors	:	Marri Sreenivasulu , Dr. G. Janardhana M.com B. l., , Ph.D, Dr. Mamilla Rajasekhar
	:	10.9790/487X-16460108

Abstract: Brand loyalty is the consumer's emotionally-charged decision to purchase a specific brand again and again. Recent studies focused on loyalty concept in goods as well as services sector. Of late brand loyalty is receiving a great deal of attention in corporate retailing sector. So there is a need for introducing comprehensive brand loyalty model for this retail sector. The present study is taken up with an objective to measure the opinion on the antecedents of brand loyalty such as product quality, price, purchase decision, perceived quality, store environment and design; to assess the customer satisfaction; and to suggest specific steps to improve brand loyalty towards Big Bazaar in Bangalore city is chosen through the judgment sampling method, and 100 samples are considered to pool up the opinions by convenience sampling through a well structured questionnaire.

[1]. Valarie A. Zeithml, Mary Jo Bitner, "Services Marketing" International editions 1996 pp. 75-100 and 116,117,123.
[2]. David Gilbert, "Retail Marketing Management" Sixth Impression 2009, pp.304-325.
[3]. www.bigbazaar.co.in
[4]. www.organizedretail.co.in
[5]. zeithaml V.A. and Bitner (2008), service marketing-integrating customer focus across the firm, Tata McGrawHill Publishers, 83-118,531-540.
[6]. Reichheld, F. F. and Sasser, W. E. Jr. (1990) Zero Defections: Quality Comes to Services, Harvard Business Review, (September-October), 105-111.
[7]. Lau M.M., Chang, M.S., Moon, K., & Liu, W.S. (2006). The brand loyalty of sportswear in Hong Kong, Journal of Textile and apparel. Technology and Management, 5, 1-13.

Paper Type	:	Research Paper
Title	:	Factors Analysis of Self-Efficacy Outcome Expectations In Influencing The Commitment And Performance Of Information Technology End Users
Country	:	Indonesia
Authors	:	Enny Radjab
	:	10.9790/487X-16460918

Abstract: Research proceeds with the background that the acceptance and utilization of information technology will facilitate increasing work achievement's effectiveness and efficiency. Other than computer, end user's attitude and behavior also becomes important factor contributing to information technology's acceptance and utilization.

[1]. Arikunto & Suharsini. (1988), "Prosedur Penelitian Suatu Pendekatan Praktek", Rineka Cipta, Jakarta
[2]. Bandura (1997), Self-Efficacy: The Exercise of Control, W. H. Freeman and Company, New York NY
[3]. Bandura, A (1986), Social Foundations of Thought and Action: A Social Cognitive Theory, Prentice-Hall, Englewood Cliffs, NJ
[4]. Compeau, Deborah R; & Higgins, A Christoper (1995), Computer Self-Efficacy: Development of Measure and Initial Test, MIS Quarterly, 19(2), p: 189-211
[5]. Compeau, Deborah R; Higgins, A Christoper; & Sid, Huff (1999), Social Cognitif Theory and Individual Reaction to Computing Technology: A Longitudinal Study, MIS Quarterly, Jun, 23, 2, p: 145
[6]. Davis, F.D (1986), Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), p. 319-340

Paper Type	:	Research Paper
Title	:	Make Or Break It In SMEs Brand Building, An Empirical Study Of The Impact Of Brand Development On The Performance Of Thai SMEs
Country	:	India
Authors	:	Mr. Dulyathip Suntivong
	:	10.9790/487X-16461928

Abstract: In every country the Small and Medium Size Enterprises (SMEs) sector is the backbone for economic development. In many parts of the world SMEs become main contributor to country's Gross Domestic Product (GDP). However, nine of every ten new businesses failed within the first two years and SMEs is a big portion of that frightening indicator. Low survival rate and lack of distinctive products amplify the chance of failure. The need for product differentiation to improve customer recognition through branding is one of the key success factors for SMEs.

[1]. Blackburn, R. et al (2013). "Small Business Performance, Business Strategy and Owner Manager Characteristics". Journal of Small Business and Enterprise Development, 20:1, 8-27.
[2]. Centeno, E. et al (2013). "The Five Phases of SME Brand Building". Journal of Brand Management, 20, 445-457. Gabriel, L. Copy of Thai SMEs Brand Building.
[3]. Harrigan, P. et al (2011). "Exploring and Explaining SME Marketing". Journal of Strategic Marketing, 20:2, 127-163.
[4]. E CRM enables customer communication and information capabilities.
[5]. Gill, A. & N. Biger (2012). "Barriers to Small Business Growth on Canada". Journal of Small Business and Enterprise Development,19:4, 656-668.

Paper Type	:	Research Paper
Title	:	Performance of State Level Public Enterprises of West Bengal: A Study on the Post Reform Era
Country	:	India
Authors	:	Assistant Professor of Commerce Department of Commerce, Tarakeswar Degree College, Hooghly.
	:	10.9790/487X-16462939

Abstract: Public sector enterprises (PSEs) once were considered as the Temples of India. But gradually they became such a burden on the Government exchequer that in 1991 we had to take a U-turn on economic policy in general and on PSEs in particular. Since then a number of studies have been conducted to see how the Central Public Enterprises (CPSEs) are working in the changed scenario. But on State Level Public Enterprises (SLPEs), particularly of West Bengal there is hardly any study in post-reform era. In this background, this paper attempts to analyse the performance of SEPEs of West Bengal during the period from 2004-05 to 2010-11. Of three types of SLPEs, e.g, Departmental Undertakings, Public Corporation and Government Companies, the paper has however dealt with last two types of SLPEs as the structural and functional characteristic of first one are largely different from other two.
Keywords: West Bengal, Government exchequer, economic policy, Post reform era, Performance of SLPEs,

[1]. Ghosh Tarun Kanti "State Level Government Companies in West Bengal"

[2]. Report of Comptroller and Auditor General (Commercial)

[3]. Sivayya K.V. and Das V.M.B (2001) "Indian Industrial Economy," S. Chand and Company Ltd. New Delhi. 2001

[4]. Planning Committee, Seventh Five Years Plan Government of India, Vol-2

[5]. Mallya N.N. (1971) "Public Enterprise in India" National publishing house Delhi.

Paper Type	:	Research Paper
Title	:	The Effect of Longevity on Pensions in the Nigerian Pension Scheme
Country	:	India
Authors	:	Dr. Martin Osawaru Omorodion, Rapheal Onyechefule Akalonu
	:	10.9790/487X-16464042

Abstract: The old pension scheme pension were based on length of service and on a percentage of final salaries. In the new pension scheme contributions are invested till retirement. Accumulated contributions are used to purchase pension at retirement. The paper looks at the effect of longevity on the annuity values at retirement and the consequent pensions. Three lives age 25, 35 and 45 with 35, 25 and 15 years to retirement are considered.
Five Life Tables with life expectancies of 13.48, 14.43, 15.61, 17.98 and 19.51 years at age 60 each were considered. We find that the new pension rate is considerably less than the old rate for each Life Table and longevity increases annuity value, thereby reducing pensions.
The percentage goes from 100% to 82.8% taking the Life .Table with the least life expectancy as a base and for a life aged 25.The same result follows for each life considered,
Key words: Life Table, Longevity, annuities, asset accumulation, and pensions.

[1]. CFO Research Service, creating benefits that work for employers and employees. 12 May 2012 CFO Publishing LLC
[2]. CFO Research Services, Greater employee Choice in the face of rising benefits, 4 May, 2012 Publishing LLC
[3]. Theresa Minton – Eversole and Stephen Miler. Pension plans still at risk from Global Economic Downturn. On line Editors forms SHRM, 2012

Paper Type	:	Research Paper
Title	:	Analysis of the Impact of the Economy on Pensions in a Defined Contribution Scheme
Country	:	Nigeria
Authors	:	Dr. Martin Osawaru Omorodion
	:	10.9790/487X-16464346

Abstract: Retires depend solely on the final salaries and length of service in order to determine their pensions at retirement. In a defined contribution scheme the accumulated investments over the working life of the retiree is used to purchase pensions depending upon the annuity value at retirement.
In a boom period the economy yields good investment returns. The investment return drops as the economy gets weak and also the discounting rate prevailing affects the annuity value calculated actuarially.
This paper examines the relationship between pensions and the prevailing economic conditions considering investment returns and discounting rates. The assumed investment returns on all assets are 8%, 10%, 10% and 12% per annum and the discounting rates are 9%, 10%, 11%, 12% and 13% to reflect various states of the economy.
The analysis is done for 3 lives aged 25, 35 and 45years with 35, 25, 15 years of service left before retirement. Comparisons are made. It is found that pension value is more than twice its value when investment return and discounting rates are 14% each compared to when investment return is 8% and discounting rate is 9%
Retirees faces pension risk due to the state of the economy.
Key Words: Discounting rate, investment return, Pension Length of Service, annuity.

[1]. CFO Research Service, creating benefits that work for employers and employees. 12 May 2012 CFO Publishing LLC
[2]. CFO Research Services, Greater employee Choice in the face of rising benefits, 4 May, 2012 Publishing LLC
[3]. Theresa Minton – Eversole and Stephen Miler. Pension plans still at risk from Global Economic Downturn. On line Editors forms SHRM, 2012

Paper Type	:	Research Paper
Title	:	Induction and Staff Attitude towards Retention and Organizational Effectiveness
Country	:	India
Authors	:	Odunayo Paul Salau , Hezekiah Olubusayo Falola. James Olalekan Akinbode
	:	10.9790/487X-16464752

Abstract: Organizations continuously find themselves assessing what resources or tools that can be used to educate their employees. This may be due to the fact that organizations do not have clear ethics which can be communicated to employees. Therefore, this study examined how knowledgeable staffs are about the meaning and benefits of induction. It examined the main attitudes of workers towards induction/orientation to work and how induction programmes motivate staff to be committed to the organizational effectiveness. Descriptive research method was adopted for this study using two hundred and seventy one (271) valid questionnaires which were completed by academic and non-academic staff of Olabisi Onabanjo University, Ago Iwoye, Ogun State Nigeria. The data collected were carefully analyzed using descriptive statistics to represent the raw data in a meaningful manner. The findings revealed that induction significantly influences staff attitude and behaviour towards organizational effectiveness. This means that well packaged induction programme will positively influence staff attitude. It was recommended that induction programmes should be reviewed and improved upon from time to time to earn employees loyalty and positive attitudes towards work
Keywords: Induction, Orientation, Effectiveness, Attitude, Values, Performance, Commitment

[1]. Adenekan A.S (2008) Corporate Ethical Values and Organizational Commitment in Marketing. Lagos, Malthouse Press ltd,.
[2]. Armstrong, M.A (1982) Handbook of Personnel Management Practice. London, Thompson learning
[3]. Armstrong, M.A (2003) A Handbook of Human Resource Management Practice (9th ed.). kundli, replica press ltd.
[4]. Boxall P., Purcell J., Wright P. (2007): The Oxford of Human Resource Management. Britain, oxford university press
[5]. Brodie, J.M. (2006). Getting managers on board. Human Resources Magazine, November, 105–108.

Paper Type	:	Research Paper
Title	:	A Survey of Determinant of Access to Informal Credit by Small Businesses in Meru County, Kenya
Country	:	India
Authors	:	Kirimi Eliphas Titus , Guyo S. Huka
	:	10.9790/487X-16465360

Abstract: Research has shown that one of the challenges facing small scale businesses is access to formal and informal credit. General rules and regulations in the formal financial institutions hold that the poor are not bankable since they cannot afford the required collateral, and hence considered not credit-worthy. This research intended to contribute towards this end by investigating the factors that determine access to informal credit by small scale businesses in County, Kenya. The purpose of this study was to generate a profile of the factors affecting access to informal credit by the small businesses, with the aim of shedding some light on specific financial challenges these businesses are facing. The factors that were investigated in this research are whether collateral, interest rate, level of education and the poverty level limits access to informal credit. Using descriptive survey design and purposive sampling technique 60 businesses people were selected from 10 Small shopping centres in Egoji Divisions of Meru County. A structured questionnaire was used to collect data from the sample respondents. It has been established that there was a weak relationship between the amount borrowed and the level of education of the borrower, there was strong relationship between the amount borrowed and the interest rate charged (R2 = 0.838), that and there was a negative relationship between poverty and the amounts borrowed.
Key Words: Credit, Access to capital, poverty levels

[1]. Adams, D. W. (1992). Using Contracts to Analyze Informal Finance, Economics and Sociology Occasional Paper No. 1972, Rural Finance Program, Ohio State University, Ohio.
[2]. Aredo, D. (1993). The Informal and Semi-formal Financial Sectors in Ethiopia: A Study of the Iqqub, Iddir and Savings and Credit Co-operatives, AERC Research Paper 21.
[3]. Basu, K. (1997). Analytical Development Economics. The Less Developed Economy Revisited. MIT Press.
[4]. Besley, Timothy. (1994). "How Do Market Failures Justify Interventions in Rural Credit Markets?" World Bank Research Observer.
[5]. Besley, T. and Coate, S. (1991). Group Lending, Repayment Incentives and Social Collateral, Princeton University.

Paper Type	:	Research Paper
Title	:	Creation of ASEAN Economic Community (AEC) For Future Automotive Industry
Country	:	Malaysia
Authors	:	Dr (Mrs) Muneer Sultana,. Khairul Amilin Ibrahim.
	:	10.9790/487X-16466165

Abstract: ASEAN Economic Community (AEC) shall be the goal of regional economic integration by 2015. AEC envisages the following key characteristics: (a) a single market and production base, (b) a highly competitive economic region, (c) a region of equitable economic development, and (d) a region fully integrated into the global economy. The AEC areas of cooperation include human resources development and capacity building; recognition of professional qualifications; closer consultation on macroeconomic and financial policies; trade financing measures; enhanced infrastructure and communications connectivity; development of electronic transactions through e-ASEAN; integrating industries across the region to promote regional sourcing; and enhancing private sector involvement for the building of the AEC. The study is prepared based on primary data and secondary data. The primary data has collected through oral interview from stalwarts of automotive industry. The secondary data is collected from the reports of international conference of automotive industry and all existing literature has collected also from internet automotive websites, auto business magazines, e-auto journals etc. Findings of the research reveal that, ASEAN motor vehicles is going to be expanded further in future years. Finally suggestions have been framed and conclusions have been drawn for the study.
Key Words: ASEAN, Economic Community, Automotive Industry, International Automotive conference

[1]. Business Monitor International: Commercial Segment Key Driver of Asian Growth; March 26th 2008, p.5.
[2]. According to ASEAN Statistics (2010), reported that in 2009, total ASEAN merchandise trade was $1.5 trillion, a slight decrease from $1.71 trillion in 2008, and U.S.-ASEAN trade was nearly $146 billion and 18 percent decrease from 2008.
[3]. ASEAN Secretariat: ASEAN Statistics: Selected Basic Economic Indicators; March 15th 2010.
[4]. Business Monitor International: Indonesia Auto Report and Malaysia Auto Report Q2, February 2010, p.17.
[5]. Deutsche Bank Research Asia : ASEAN Auto Market September 29th ,(2011) available

Paper Type	:	Research Paper
Title	:	A Study on Mobile Banking Services with Special Reference to Ponmalai Area at Tricky
Country	:	India
Authors	:	Mrs. R. Buvaneswari .Ms. B. Bharathi, . Dr. R. Prakash Babu, Ms. Mahalakshmi Venkatesh .Mr. R. Vinoth Babu
	:	10.9790/487X-16466674

Abstract: Mobile banking is defined as the "type of execution of financial services in the course of which – within an electronic procedure – the customer uses mobile communication techniques in conjunction with mobile devices". Moreover, it is defined as "a channel whereby the customer interacts with a bank via a mobile device, such as a mobile phone or personal digital assistant" Today, mobile banking services enable consumers [e.g. to check the balance and transactions of their accounts, pay invoices and transfer funds between accounts, monitor the use of credit cards, check when invoices fall due, make buy and sell orders for the stock exchange and receive portfolio and price information]. It's always-on functionality and the option to bank virtually any time and anywhere characterise mobile banking services. However, mobile banking has not yet completely convinced bank customers of its usefulness and added value that it offers and its use is yet in an initial stage. Most of the users are highly satisfied with the recent developments in the banking services. There seems to be resistance to adopt these innovative banking services. Now a day's customers expect more facilities. So the banks have to update the mobile banking facilities which would satisfy the customers.

[1]. Farnood,H.(2008).Sultanate.Soheila, "mobile banking", Journal of Information TechnologyEra,No. 38.
[2]. MARKETING MANAGEMENT : Kothari, Mehta, sharma
[3]. Publisher : Ramesh Book Depot.
[4]. Jaipur – New Delhi.
[5]. MARKETING MANAGEMENT : Philip Kolter

Paper Type	:	Research Paper
Title	:	Comparative Analysis of Hyman P. Minsk Hypothesis to Evaluate the Current Credit Crunch
Country	:	Bangladesh
Authors	:	Jannatul Islam. Md. Mehedi Hasan
	:	10.9790/487X-16467591

Abstract: The research problem is topical issue named by credit crunch to the business and economic life in the society. All the businesses as an economic activities have ups and downs. But the phenomenon is changing with the phases of time. As a result the previous economist frameworks are getting inadequate to explain the financial crisis. The researcher takes the Hyman P. Minsky's framework as a justification tool of the current credit crunch. The research problem viewed in different way from the different point of view. The research presents interest and rationale in the introduction why the researcher selected the title. In the literature review the main theme along with the different authorities' scholarly work has presented for the justification and support the validity of Minsky's framework and his hypothesis. The literature review also covers some critics as well with prove of invalidity of the criticism. The methodology has written after that. Without the actual feature and difficulties of credit crunch it is not possible to argue about any conceptual validation. The reality and reason behind credit crunch have presented in findings and analysis showing the match of Minsky predictions. The discussions also covers the introduced of Minsky framework to the financial instability in short term and long term of the capitalist economy. In the conclusions and recommendation the researcher tries to show the economic trend and suggests the poli-psychological positiveness and international division of responsibility to create a positive eco-system to the society..

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