IOSR-JBM   Volume-17 ~ Issue-5 ~ May-2015

Abstract: The mobilization of rural consumers' potential savings to generate credit for inclusive lending to the rural/urban poor consumers in emerging markets presents a strategic challenge for policy makers. Large-scale credit aggregation can only be achieved by the use of modern banks. However, rural consumers may resist the use of banks as objects of nonlocal origin. The authors rely on the classic theory of demand aggregation advantage to critically analyze the public policy framework underpinning rural banking for the attainment of inclusive economic development goals of bottom-of the-pyramid markets. An empirical test of the framework in Karnataka's rural banking programs shows that demand aggregation advantage predicts consumer satisfaction with the inclusive lending practices of banking institutions among existing clients but not new clients. The study suggests that the public policy framework for promoting compliance with inclusive lending goals of rural banking programs in Karnataka does not adequately consider rural consumers' interpretation of demand aggregation activities.

Keywords: Consumer inclusiveness, Demand aggregation advantage, Rural economic development policy, Financial Institutions, Karnataka.

[1]. Natraj, V. K. (2007). Backward classes and minorities in Karnataka politics.Karnataka Government and Politics, 397.

[2]. Jagadeesh, B. (2014). Self Help among women: A study in Udupi district of Karnataka. International Journal of Retailing & Rural Business Perspectives, 3(1), 804-807.

[3]. Burgess, S. M., & Steenkamp, J. B. E. (2006). Marketing renaissance: How research in emerging markets advances marketing science and practice.International Journal of Research in Marketing, 23(4), 337-356.

[4]. Bell, C. (1990). Interactions between institutional and informal credit agencies in rural India. The World Bank Economic Review, 4(3), 297-327.

[5]. Dawar, N. D. N., & Chattopadhyay, A. (2002). Rethinking marketing programs for emerging markets. Long Range Planning, 35(5), 457-474.

Abstract: The research examined the role played by bank inspection in the viability of commercial banks ( a case study of UBA). It adopted a questionnaire-based method of evaluation based on five point likert scale and tested the efficacy of the Hypothesis using the chi-square method. The study revealed that the Bank inspection functions have not been effective in creating stability in the commercial banking system. Bank inspection functions have not been effective in improving Corporate Governance issues in commercial banking system. Bank inspection have not stemmed the incidence of widespread bad loan portfolio in the commercial banking system. Effective inspection would boost the volume and the value of transactions witnessed in commercial banks.

Keywords: Bank, inspection, viability, United Bank for Africa

[1]. Bench, R. R. (1993). "Development in International Financial Regulation: SomeObservations". Salt Lake City, Utah: paper presented at the Gain Institute of Finance Annual Conference.
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Abstract: This research is concluded in a way Affective commitment and Person Organization Fit are positively correlated to and influence to the overall satisfaction of the employee and the person organization fit and affective commitment cause to increase in employee engagement in turn overall satisfaction of the employee increase. It is best for the companies to make policies for the companies to engage employees for the longer period of time. By the using of these factors of person organization fit and affective commitment such efforts by organization cause for the fulfillment of the overall satisfaction of the employees

[1]. Allen,NJ and Meyer, JP 1990, Measurement and the Antecedents of Affective, Continuance and Normative Commitment to the Organization, Journal of Occupational Psychology, 63, pp.1-18.
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Abstract: Information technology has captured the attention of organizations in the private and public sectors. This study is to answer the question related to the impact of information technology on performance in Jordanian Institutions. The research proposes a model to evaluate the impact of information technology on the performance of Jordanian Institutions. The model was tested by using survey data collected from 66 managers and employees. Correlation and Regression analysis show the importance of information technology in improving the performance levels. The results show that there is a strong relationship and a positive impact of information technology on performance.

Keywords: Information technology, Hardware, Human Resources, Programs, Procedures, Networks, Database, Performance.

[1]. Abdullah, Salah. (1999). "The Effectiveness of the Performance Evaluation", research presented to a symposium effective manager, Institute of Public Administration, Riyadh, Saudi Arabia.
[2]. Ajam, Ibrahim Mohammed Hassan. (2007). "Information Technology and Knowledge Management and their Impact on the Strategic Choice", Ph.D. Thesis, Mustansiriya University.
[3]. Aldowailah, Yoseph Fahd. (2007). "The Impact of Organizational Culture on the Performance of Employees in the Kuwaiti Industrial Companies," Master Thesis in Business Administration, University of Amman, Jordan.
[4]. Aljaddaah, Mohammed. (2008). "The Level of Use of the Tools of ICT and its Impact on Organizational Performance in the Jordanian Public Shareholding Companies," Jordan Journal of Business Management, Volume 4, Issue 0.2, Jordan.
[5]. Allam, Mohammed Hamdan, et al. (2012). "The Impact of the Ownership Structure in Investment in Information Technology and Its Impact on the Jordanian Banks Performance: an analytical study of the period 2003-2008," The Islamic University of Economics and Management Studies Journal, Volume 20, Issue 2, pp 381-416, Jordan, in June.

Abstract: The appointment of the new Governors of Central Bank of Nigeria (CBN) Lamido Sanusi, has introduced a spate of reforms in response to the global financial crisis and the mismanagement of certain Nigeria banks. Major changes to the financial industry are under way in Nigeria, the populous nation in sub-Saharan Africa, the populous nation in the world and the seventh largest exporters of oil. The CBN under Sanusi intends to raise the quality of banks supervision and bank operations to a world standard and has signalled its more interventionist role in the Nigeria economy.

[1]. Abati, R (2007) "CBN Bankers Committee and Female Bankers" The Punch Newspaper, Friday, 28 September.
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[3]. Ahmed, J.U. (2010) "Growth of Bank Deposits and its Determinants: A Pragmatic Study on Commercial Banks" European Journal of Business and management. Vol. 3, No. 4.
[4]. Alabi, C.K. et al (2007) "A Synthesis of the Critical Factors Affecting Performance of The Nigerian Banking System" European Journal of Economic and Administrative Sciences. Vol. 17, No. 4 Pp. 50-87.
[5]. Aliyu, S. (2010) "The Nigerian Banking Industry Reforms; Challenges and Prospects". A Paper Presented at the Conference on Reformation in the Banking Industry: Challenge and Prospect, Organized By Kaduna State Polytechnic, Nigeria.

Abstract: Working capital management is considered to be a crucial element in determining the financial performance of an organization. The primary purpose of this paper is to investigate the relationship between working capital management and financial performance of EASTERN CONDIMENTS PRIVATE LIMITED. Data were collected from annual reports of sampled firm for the period of 2008 to 2013. Performance was measured in terms of ratio analysis, trend analysis cash conversion cycle were used as measures of working capital management. The study has helped us to find out that the company's needs to reduce its current liabilities and its payables deferral period to an extent. Also the company needs to increase its cash balance as it is the most liquid asset.

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Abstract: The road safety depends on humans, vehicles, and road conditions and these factors influence the road safety separately or in combination. It is then essential to investigate the relationship between road accident rates and road design parameters to prevent road accidents and to provide a safe and comfortable driving environment to users. The objective of this paper to investigate the relationship between road accident rates and the road design parameters. Also, to developan accident prediction model to predict the accidentrates on four-lane National Highway in Karnataka.

[1]. Chikkakrishna N K, Parida M, Jain S S (2013) - "Crash Prediction for Multilane Highway Stretch in India", Proceedings of the Eastern Asia Society for Transportation Studies, Vol.9.
[2]. Singh R K &Suman S K (2012) - "Accident Analysis and Prediction of Model on National Highways"- International Journal of Advanced Technology in Civil Engineering, Volume-1(2).
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Abstract: With the government's efforts geared on the smooth implementation of the ZimAsset, the participation and capacitating of small to medium enterprises becomes an unavoidable policy prescription. The need to finance SMEs through government grants and private sector bank loans is critical. A proactive evaluation of how SMEs used the loans which they got from commercial banks in the dollarization era of 2009 to 2014 became imperative before giving them additional loans for the next phase of economic transformation. A study of 30 SMEs taken from various sectors was done to establish how they benefited on their operations, in capacity building and in meeting their overall business objectives. Recommendations on the need to upgrade loan utilisation were made basing on the research findings.

Key Words: small and medium enterprises, bank loan, loan utilisation, non-performing loans and commercial banks.

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[4]. Yavas U, Babakus E and Erglu S(2004) Bank Choice Behaviour of Small and Medium Sized Construction Firms, Journal of Business and Industrial Marketing Vol 19. No. 4 pp 258-256.
[5]. Berger A N and Udell G F (1995) 'Relationship Lending and Lines of Credit in Small Firm Finance', Journal of Business, 351-381.

Abstract:The existence of marketplaces in human society has a long history from before the Agora of Ancient Greece to the online trading places of the 21st century (McMillan 2002). Larger organizations, with their more extensive resources, are investing in E marketing to take advantage of the significant trading benefits, however, the electronic environment can be intimidating to many smaller firms and adoption of E marketing remains a mystery to many SMEs. This is contributed by a number of factors that range from decision marking, firm characteristic and environmental factors. This study analyzes factors influencing adoption of E marketing by SMEs in Kisumu Municipality. The study employed cross sectional descriptive research design. Data on Factors influencing adoption of E marketing by SMEs was collected through a survey questionnaire of 195 randomly selected SMEs in Kisumu Municipality. Collected data was analyzed using descriptive statistics.

Key words: Small and Medium Enterprises, Electronic Marketing

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[3]. contextuality and promise. Proceedings of the 9th International Conference on Social Implications of Computers in Developing Countries, São Paulo, Brazil, May 2007.
[4]. Bakos, J.Y. (1998), "The emerging role of electronic marketplaces on the Internet", Communications of the ACM 41(8), 35 - 42.
[5]. Bar, F. (2002), "The construction of marketplace architecture", available at: www.standford.edu/