IOSR-JBM   Volume-18 ~ Issue-10 ~ October-2016

Abstract: It is a known fact that the financial sector reform is an essential ingredient in the economic growth and developmental process of every nation. This is clearly underscored in the literature linking the growth in financial sector with national economic growth. Hence the financial sector is regarded as the pivot of every economy. In recognition of this fact, managers of the Nigerian economy have targeted the banking sector as a channel for implementing economic policy reforms and policy shift to enhance its developmental process. Consequently, in January 2012, such economic reform in the Nigerian financial sector was exercised with the formal introduction of the cashless economic policy...............

Keywords: Cashless policy, e-payment, Payment channels, ROA

[1]. Adegbaju, A. A. and Olukoye, F.O. (2008). ―Recapitalization and banks performance: A case study of Nigerian Banks‖, African Economic and Business Review, Vol. 6(1): 27-41
[2]. Adeyemi,K. S.(2006), ―Banking Sector Consolidation: Issues and Challenges‖, A paper presented by an Executive Director, Union Bank of Nigeria PLC.
[3]. Agu, J.C. (2012), ―Socio-Political Factors Affecting Project Planning, Management through Implementation in Nigeria‖, International Journal of Current Research, Vol. 4(11), 362-372.
[4]. Ajayi, M. (2006). ―Banking sector reforms and banking consolidation: conceptual framework‖, Bullion, Vol. 29(2): 60-74
[5]. Akhalumeh. P. B. and Ohiokha, F. (2012). ―Nigeria's cashless economy: the Imperatives‖, International Journal of Management and Business Studies, Vol. 2(2): 31-36s

Abstract: The productivity of the work force is the most decisive factor as far as the success of an organization is concerned. The productivity in turn is dependent on the psychosocial well-being of the employees. Stress can affect one"s health, work performance, social life and the relationship with family members. The stress response is a complex emotion that produces physiological changes to prepare us for "fight or flight" to defend ourselves from the threat or flee from it.The stressors and its consequences are to be understood at individual and organizational level..........

Keywords: Workplace Stress, Stressors, Stress Management, Yoga, Meditation, Humor.

[1]. Selys, H., (1936), Quoted by Pestonjee, DM (1999), Stress and Coping: the Indian Experience, Sage Publication, 2nd Edition, p 15.
[2]. Robbins, SP., (2010), Organisational Behaviour, Pearson Education Pvt. Ltd. Delhi, 11th Edition, p 569.
[3]. Steven L. Sauter PhD, Occupational stress and work-related upper extremity disorders: Concepts and models, Journal of Occupational Health Psychology.
[4]. Keeley, K and Harcourt, M., (2001), Occupational Stress: A Study of the New Zealand and Reserve Bank, Research and Practice in Human Resource Management, 9(2), pp 109-118.
[5]. Kulkarni GK., (2006), in an article Burnout published in Indian Journal of Occupational and Environmental Medicine 2006 [cited 2008 Feb 28];10:3-4 K. Chandraiah, S.C. Agrawal, P. Marimuthu and N. Manoharan - Occupational Stress and Job Satisfaction Among Managers published in Indian Journal of Occupational and Environmental Medicine,7(2), May-August 2003

Abstract: This study aims to identify and analyze the role of the private sector in improving the quality of hospital services. Besides, the study also aims to build a model of private partnerships and government in improving the quality of hospital services. The government's success in improving the quality of services at the hospital depends on all parties, including the business community, private sector and civil society. Private sector role in improving the quality of hospital services in East Java is still relatively less, this is indicated by the results of interviews with hospital administrators were selected as sample.............

Keywords: Public Private, Partnership, Quality

[1]. Churchill and Suprenant, 1982; Oliver and De Sarbo, 1988; Spreng and Olshavsky, 1993, International Journal of Bank Marketing, 16/2, 1998, p. 53)
[2]. China, 1990; Daniel, 1992; Synchan, 1990, Implication of Loyalty Program Membership and Service Experiences for customer Retention Value, Journal of Academy of Marketing Science.
[3]. Don and Taylor, 1982, Measuring service quality : a reexamination and extension, Journal of Marketing Vol. 56, July, pp. 55-68.
[4]. Dikson Jonah, 2008, Partnership on urban poverty alleviation programs" legality journal Vol 3 no 2
[5]. Evans, 1999. Customer Relationship Management : Creating The Customer-centric

Abstract: carbon emissions during airplane taking off and landing is a direct source of air pollution in the airport. For the low carbon development of civil aviation industry and environmental protection, based on the standard LTO cycle concept and engine emission data from the International Civil Aviation Organization, combined with the Chinese civil aviation airplane's data, this paper analyzes the annual airplane carbon emissions and carbon emission rate in 22 airports of Yangtze River Delta........

Keywords: Airplane, airport, carbon emissions, solution, Yangtze River Delta

[1] Ding Wenshan, Cai Liangcai, Shao Bin, Ding Fei. research on airport air pollution status. Journal of Environmental Engineering, (6), 2014, 69-72.
[2] Gong hui. Influence of the low carbon storm on the air transport industry and the countermeasures. Comprehensive transportation, (1), 2010, 55-58.
[3] Ma jun. The countermeasure analysis of China's air transport industry to carry out the policy of low carbon transportation. Foreign economic and trade, (10), 2010, 79-81.
[4] Zhang hui, Wang zhengyuan. Discussion on the development strategy of air transport industry in the era of low carbon economy. Air transport business, (2), 2011, 41-43.
[5] Cai yufeng. Under the new situation to our country airline company energy conservation and emission reduction work ponder, Air transport business, (16), 2009, 4-7.

Abstract: The organic farming system is a method that can be applied in producing high-quality products and ensuring the preservation of the environment for sustainable production. As the farm manager, organic farmers have an important role in as well as an increasing their farming income and family welfare as the goal of their farming activity. This research aims to know the management capacity and know how the characterisitics of entrepreneurship against the management capacity of organic rice farming.........

Keywords: Entrepreneurship, entrepreneurial characteristics, capacity management

[1]. Biao, Xie. Wang Xiaorong, Ding Zhuhong dan Yang Yaping.. Critical impact assessment of organic agriculture. Journal of Agricultural and environmental Ethics vol. 16, 2003. 297-311
[2]. Canavari, M., Guido Maria Gazzani, Roberta Spadoni dan Domenico Regazzi. Food safety and organic fruit demand in Italy: a survey. British Food Journal. 104 (3-5), 2002, 220-232
[3]. Connor, R. dan Lesley Douglas. Consumer attitudes to organic foods. Nutrition and Food Science, 31 (4/5) , 2002. 254-258.
[4]. Badan Standardisasi Nasional. Standar Nasional Indonesia, . 2002, nomor 01-6729-2002 tentang Sistem pangan organik.
[5]. Priyanto, Sony Heru. Structural Model of Business Performance : Empirical Study on Tobacco Farmers. Gadjah Mada International Journal of Business, (1) January-April 2006.

Abstract: The late 20th century was considered a turbulent environment for business because of the rapid growth in technology and globalization. Change has become synonymous with standard business practice and an organization needs to change in order to remain competitive. Therefore, effective communication is regarded as highly important in the successful implementation of change, because it is used as a tool for announcing, explaining and preparing the people involved for both the positive and negative effects of implementing change. In order to understand why some change implementations succeed.........

Keywords: Resistance to change, reasons for resistance to change

[1]. Aqdas. R, Bilal,A .Abbas. A, Zirwa. Z, (2016), Impact of resistance to change and creative self-efficacy on Enhancing Creative Performance,Journal of Global Business and Social Entrepreneurship (GBSE) Vol. 2: no. 1
[2]. Ashley May Calder, (2013), Organizational Change: Models for Successfully. Implementing Change, Thesis submitted in partial fulfilment of the requirements for the degree honors in university studies with departmental honors, Utah State University.
[3]. Ackar, N. (2013). A change Seldom Comes Alone, neither Does the Feelings Attached to Them: A study about employee personal experiences during a multiple change implementation, Master Thesis. University of Gothenburg.
[4]. Alas, R. &Sharifi, S., (2002). Organizational Learning and Resistance to Change. Wesley Publishing Company. London.
[5]. Alas, R., (2007). Organizational Change from Learning Perspective. Problems and Perspectives in Management, 5(2), pp. 43 - 50.

Abstract: Customer purchase intention serves as an early indication of the sales of the final products. The organizations try to uncover the customer purchase intention. Customer purchase intention consists of an amalgamation of various antecedents that build it up. The literature related to the antecedents of customer purchase intention is scattered and a properly organized and comprehensive study has not been done that highlights the relations between these antecedents and the customer purchase intention. In this paper, a comprehensive study is done related to the antecedents of the customer purchase intention. The research papers are arranged in the chronological order and they are analyzed based.........

Keywords: Purchase Intention, Customer, Brand, Price, trust

[1]. Aaker, D.A. (1991) Managing Brand Equity. New York: Free Press. pp. 21-26.
[2]. Aaker, D. A (1991) ―Managing Brand Equity: Capitalizing on the Value of a Brand Name,‖ New York: The Free Press.
[3]. Ahasanul, H., Ali, K., &Sabbir, R. (2006). Factors influencing buying behavior of piracy products and its
[4]. impact to Malaysian market. International Review of Business Research Papers, 5(2), 383-401.
[5]. Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior And Human Decision Processes ,vol. 50, pp. 179-211

Abstract: Strategy and strategic planning are essential for the long-term success of organizations, regardless of industry, or whether the organization is profit driven or mission oriented. Charting the course for the organization requires a broad base of inputs sources as well as incorporating the needs of end users within the decision making process. Planning for the long-term, however, is critically dependent on the following reality. All organizations must produce more resources through operational activities than are consumed by those same operational activities. If this situation fails to occur, the entity will not remain in business for long. Stated differently, in order to successfully plan and execute long term strategies at an organizational level, it is imperative that management professionals implement and execute short-term objectives consistently.

[1] Barakat, A., &Parhizgar, K. D. (2015). The weakness of intrapreneurial and venture capitalist approaches to disruptive innovation: an opportunity for angle investors. Journal Of Competitiveness Studies, 23(4), 19-35.
[2] Garrett Jr., R. P., &Covin, J. G. (2015). Internal corporate venture operations independence and performance: A knowledge-based perspective. Entrepreneurship: Theory & Practice, 39(4), 763-790. doi:10.1111/etap.12059
[3] Gawer, A., &Cusumano, M. A. (2014). Industry platforms and ecosystem innovation. Journal Of Product Innovation Management, 31(3), 417-433. doi:10.1111/jpim.12105
[4] Hamada T. (2014). Adaptation to technological innovation and corporate core-rigidities. International Journal Of Innovation Management, 18(2), -1. doi:10.1142/S1363919614500194
[5] Hancock, B. V., & Beasley, M. S. (2015). Becoming a strategic risk adviser. Journal Of Accountancy, 219(2), 38-42.

Abstract: Internet is definitely a boon. At the same time Internet addiction among children is also a growing concern. We should utilize technology to compete with this fast world. Every coin has two sides. It's up to us to receive good and to leave bad. Internet addiction, sometimes referred to as cyberspace addiction or online addiction, can manifest itself in many ways in today's teens. The Internet is a seductive place, especially for today's linked-in teens that are far more likely to add graffiti to their friend's Face book wall than they........

Keywords: Challenge, Technology, Graffiti, Manifest, Addiction.

[1]. Weinstein A, Lejoyeux M. Internet addiction or excessive Internet use. The American Journal of Drug and Alcohol Abuse. 2010 Aug;36(5 ):277–83. [PubMed]
[2]. Beard KW. Internet addiction: a review of current assessment techniques and potential assessment questions. CyberPsychology & Behavior. 2005 Feb;8(1 ):7–14. [PubMed]
[3]. Chou C, Condron L, Belland JC. A review of the research on Internet addiction. Educational Psychology Review. 2005 Dec;17(4 ):363–88.
[4]. Douglas AC, Mills JE, Niang M, Stepchenkova S, Byun S, Ruffini C, et al. Internet addiction: meta-synthesis of qualitative research for the decade 1996-2006. Computers in Human Behavior. 2008 Sep;24(6 ):3027–44.
[5]. Wolfling K, Buhler M, Lemenager T, Morsen C, Mann K. Gambling and internet addiction. Review and research agenda. Der Nervenarzt. 2009 Sep;80(9 ):1030–9. [PubMed]

Abstract: Job performance have identified as the key element at workforce performance. The purpose of this study is to initially construct a conceptual framework of factors affecting job performance. Information were collected from secondary sources. The study revealed that motivation, skills, satisfaction directly affecting for job performance at work place while rewards moderates to all three main factors to jobperformance

Keywords: Motivation, Skills, Satisfaction, Reward, Job performance

[1]. Alonso, P., & Lewis, G. B. (2001). Public Service Motivation and Job Performance Evidence from the Federal Sector. The American Review of Public Administration, 31(4), 363-380. http://dx.doi.org/10.1177/02750740122064992
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[3]. Borman, W. C. and Motowidlo, S. J. (1993) Expanding the criterion domain to include elements of contextual performance. InmPersonnel Selection in Organizations (N. Schmitt & W. C.Borman, eds), pp. 71-98. San Francisco: Jossey-Bass.
[4]. Brewer, G. A., Selden, S. C., and Facer II, R. L. (2000) Individual conceptions of public service motivation. Public Administration Review, 60(3): 254-264.
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Abstract: Kenyan commercial banks have continued to use huge investments in innovations and Training of manpower to handle new technologies. The fast-changing competitive environment, globalization, economic changes, regulation, privatization and the like demands that commercial banks are run efficiently and effectively by continuously engaging in innovations. The relationship between the growing investment in bank innovations and bank financial performance in Kenya needs to be studied. If an organization is not capable of introducing innovations on an ongoing basis, it risks that it will lag behind and the initiative will be taken over by other entities..........

Keywords: Performance, Innovation

[1]. Abishua, D. A. (2010). Strategic Responses used by Equity Bank to Compete in the Kenyan Banking Industry. Social Science Research Network.
[2]. Aboelmaged, M.G., & Gebba,T. R. (2013). Mobile Banking Adoption: An Examination of Technology Acceptance Model and Theory of Planned Behavior. International Journal of Business Research and Development, 35-50.
[3]. Acharya, R.N., & Kagan, A.(2004). Commercial B2B Web site attributes within the perishable sector. Journal of Internet Commerce, 3(4):79-91.
[4]. Acharya, V, & Subramanian, K. V. (2009). Bankruptcy codes and innovation. Review of Financial Studies, 22, 4949-4988.
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Abstract: This document describes the design of a Knowledge Management Model that focused on research skills development of the human capital that work in companies of high technology sectors. The main objective of the model is re capitalize the knowledge generated in companies belonging to strategic sectors for increasing competitiveness since the scientific and technological production has an impact on international indicators to measure social welfare and economic development of countries..........

Keywords: Conceptual design, Knowledge Management Model, High-tech companies

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Abstract: Pensions funds are the principal sources of retirement income for millions of people in the world. The need for re-investing one's retirement savings to improve the level of income of pensioners is an important issue facing the contemporary society more so among retirees without a sound investment plan or financial literacy to back their investment activities. This study thus, sought to assess the determinants of investment decisions for pensioners in institutions of higher learning in Kenya. The objectives of the study were; to determine how income levels influence investment decisions by pensioners in institutions of higher learning; to investigate how financial literacy................

[1]. Gamble, K. J., Boyle, P. A., Yu, B. L., & Bennett, D. A. (2015). How Does Aging Affect Financial Decision Making. Center for Retirement Research at Boston College. 15(1), 1-7.
[2]. Huston, S., J. (2010). Measuring Financial Literacy. The Journal of Consumer Affairs , vol. 44(2), pp. 296-317.
[3]. Islamoglu, M., Apan, M., & Ayvali, A. (2015). Determination of Factors Affecting Individual Investor Behaviours: A Study on Bankers. International Journal of Economics and Financial Issues. 5(2), 531-543.
[4]. Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature , vo. 52(1), pp. 4-44.
[5]. Nyakundi D. B (2006), Problems Facing Kenya's Pension System: A case for reforms of Laws Relating to pensions, Nairobi; UoN

Abstract: Education system creates hope and it should never aim at creating mere hypes. Over a period of time many changes have occurred in different sectors of economy including the education system. Education sector unlike any other sector has seen many stages in its evolution. From Guru-Shishya system of conducting the class in open garden under the trees to closed class room lectures, presentation form of teaching with the aid of LCD touch-screen projector to online notes and now instant Whatsapp messages is the buzzword among the students..........

Keywords: Digitization, Cloud Learning, Education, Digital Education, Technology etc

[1]. https://www.ncsl.org/portals/1/documents/educ/item013161.pdf
[2]. http://eprints.ioe.ac.uk/628/1/Laurillard2008Digital_technologies.pdf
[3]. http://www.greenbaypressgazette.com/story/money/2014/10/21/technologys-impact-higher-education/17693719/
[4]. Https/ Indian express/ can digital educate India Written by Maya Escueta Updated: Aug 17, 2015.
[5]. KiranYadav, Role of cloud computing in education, ―International journal of innovation research in computer and communication engineering‖.

Abstract: This study aims to examine job satisfaction at the real estate sector according to various variables and the research depends on Survey Questionnaire Model. The research group, randomly selected, 126employee working in real estate sector in İstanbul. Firstly, some demographic questions were asked and then Minnesota Satisfaction is carried out to participants. The analysis was carried out through Descriptive and Inferential Statistics. The main purpose of this study was to illustrate the applicability of Multiple Correspondence Analysis (MCA) in detecting and representing underlying structures on the datasets.

Keywords: Job Satisfaction, Multiple Correspondence Analysis (MCA), Real Estate, Principal Component Analysis

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