IOSR-JBM   Volume-18 ~ Issue-2 ~ February-2016

Abstract:The brutality of the current crisis and the events which knows the Arab world constitute for the companies a real testing period compared to their strategic choices. Family SME (Small and medium-sized enterprise) often suffered from a negative image. But today, its weight is not any more to dispute (Allouche and Aman, 2000, Kenyon –Rouvenez and Ward, 2004). Its raison becomes the research of sustainability, of share the overlap of the sphere "family" and the sphere "undertaken", which creates dependences and emotional and financial interdependences. However, we have to admit that the sustainability of the family company refers to the strategy, to the capacity to be competitive, and to hold a successful team, which can precisely assure to him this sustainability.

[1]. Adler P.S., Kwon S.W., "Social Capital : Prospects for a New Concept", Academy of Management Review, vol. 27, n° 1, 2002, p.
17-40.
[2]. Allouche J. et Amann B., Le Retour Triomphant du Capitalisme Familial, Gestionnaires et Organisations, Toulouse, Presse de
l‟Université des Sciences Sociales de Toulouse, 1995.
[3]. Allouche J. et Amann B., « La confiance : une explication des performances des entreprises familiales », Économies et Sociétés,
série « Gestion », numéro spécial, n° 25, 1998, p. 124-154.
[4]. Allouche J. et Amann B., « L‟entreprise familiale : un état de l‟art », Finance, Contrôle,Stratégie, vol. 3, n° 1, 2000, p. 33-79.
[5]. Anderson R.C. et Reeb D.M., "Founding-Family Ownership and Firm Performance: Evidence from the S&P 500", Journal of
Finance, 58, 2003, p. 1301-1329.
[6]. Anderson R.C. et Reeb D.M., "Board Composition : Balancing Family Influence in S&P 500 Firms", Administrative Science
Quarterly, 49, 2004, p. 209-237.
[7]. Arrègle J.L., Durand R. et Very P., « Origines du capital social et avantages concurrentiels des firmes familiales », M@n@gement,
vol. 7, n° 2, 2004, p. 13-36.

Abstract: An increasing number of new generation startups have created something of an " euphoria" in major cities of India. Due to major shift in work culture, coupled by present government's effort to boost entrepreneurship by their major flagship program " Startup India", indian entrepreneurs have got the much needed momentum. But amidst this rosy picture what needs to be focused is that a major chunk of start ups fail and there is development of " fail fast" culture. The mad rush in VC funding, mounting losses, instable business models have become the reality of this industry. This article tries to identify the common reasons of failure of startups across different sectors. A case by case analysis of few successful models is given which can be emulated by rising entrepreneurs. Not only this, analysis of few failed start ups have been separately dealt with, providing a check list of mistakes not to be done.ss

[1]. http://www.forbes.com/sites/neilpatel/2015/01/16/90-of-startups-will-fail-heres-what-you-need-to-know-about-the-10/#616c1c9755e1

[2]. https://www.techinasia.com/10-reasons-startups-fail-confessions-of-founders

[3]. https://www.cbinsights.com/research-reports/The-20-Reasons-Startups-Fail.pdf

[4]. http://www.forbes.com/sites/neilpatel/2015/01/16/90-of-startups-will-fail-heres-what-you-need-to-know-about-the-10/#616c1c9755e1

[5]. https://www.techinasia.com/10-reasons-startups-fail-confessions-of-founders

[6]. https://www.cbinsights.com/research-reports/The-20-Reasons-Startups-Fail.pdf

Abstract: Pradhan Mantri Jan Dhan Yojana, is an ambitious scheme for comprehensive financial inclusion launched by the Honorable Prime Minister of India, Shri Narendra Modi on 28th August, 2014. He had announced this scheme on his first Independence Day speech on 15th August, 2014. In a run up to the formal launch of this scheme, the Prime Minister personally mailed to CEOs of all banks to gear up for the gigantic task of enrolling over 6 crore (75 Million) households and to open their accounts. In this email he categorically declared that a bank account for each household was a "national priority".

[1]. Mr.S. I. Malligar and Mr. B. Bankapur (2016) "Performance of Pradhan Mantri Jan-Dhan Yojana", Indian Journal of Applied Research January, 2016.
[2]. Harpreet Kaur and Kawal Nain Singh (2015) "Pradhan Mantri Jan Dhan Yojana (PMJDY): A Leap towards Financial Inclusion in India", International Journal of Emerging Research in management and Technology.
[3]. Rajanikanta Khuntia (2014) "Pradhan Mantri Jan Dhan Yojana (PMJDY): A New Drive towards Financial Inclusion in India", International Journal of Business Economics and Management Research.
[4]. Rajeev Singh Bhandari (2015) "A Statistical Note: Financial Inclusion-Pradhan Mantri Jan Dhan Yojana", International Journal of Science Technology and Management.
[5]. Mr. Santana Guha (2015) "The role of Pradhan Mantri Jan Dhan Yojana in Financial Inclusion- An Evaluative Study", GJRA-Global Journal for Research Analysis July, 2015.
[6]. Ahmed Hussain (2015) "Pradhan Mantri Jan Dhan Yojana: The most intensive Financial Inclusion scheme in India, International Journal of Core Engineering and Management (IJCEM).

Abstract:This paper shows the magnitude and impact of financial performance on its stock price of a company having three earning potential variables-Earnings-per-share (EPS) and Net asset value per share (NAVPs) and Return on Common stock Equity (ROCE). Study contains sector wise analysis on these variables using mean, standard deviation, correlation and multivariate regression techniques for making and drawing a conclusion. Reactions of the stock price as the consequence of the movement of the micro and macroeconomic factors is strongly supported by the literature review. We have taken only three earning potential ratios to test the impact on market price of stock. Multiple regression analysis is conducted to find out the relationship among different variables with the stock price per share. In this study an insignificant linear relationship among market price and such factors like EPS, NAVPs and ROCE of pharmaceutical and chemical industries are found at 95 percent level of significance.

[1]. Adesola, W. A., and Okwong, A. E. (2009). An empirical study of dividend policy of quoted companies in Nigeria. Global Journal of Social Sciences, vol.8 (1),pp. 85–101.
[2]. Anderson, K. & C. Brooks (2006). Decomposing the price-earnings ratio.Journal of Asset Management, vol.6(6), pp.456-469.
[3]. Adelegan, O. J. (2003), "An empirical analysis of the relationship between dividend changes and cash flow in Nigeria", African Development Review, vol.15, pp. 35–49.
[4]. Adelegan, O.J. (2004), "How efficient is the Nigerian stock market? Further evidence", African Review of Money, Finance and Banking, pp.143–65. Milan, Italy.
[5]. Black, F. and Scholes, M. (1973).The pricing of options and corporate liabilities.The journal of political economy, pp. 637-654.

Abstract:Introduction : Patents are exclusive property rights in intangible creations of human mind.

[1]. ShrivastavaV. K. (2007). "Patent Law and Indian Pharmaceutical Industry", The Pharma Review at 49.
[2]. Pécoul B., Chirac P.,Trouiller P. &Pinel J. (1992). Access to Essential Drugs in Poor Countries A Lost Battle? JAMA, 281(4) pp.361-367.
[3]. Watal J. (2000). Pharmaceutical Patents, Prices and Welfare Losses: Policy Options for India Under the WTO TRIPS Agreement. The World Economy, 23(5), pp.733–752.
[4]. Wertheimer A., Levy R. &O'Connor T. (2001). Too many drugs? The clinical and economic value of incremental innovations, in Irina Farquhar, Kent Summers, Alan Sorkin (ed.) Investing in Health: The Social and Economic Benefits of Health Care Innovation (Research in Human Capital and Development, Volume 14) Emerald Group Publishing Limited, pp.77 - 118
[5]. Creyer E.H., Hrsistodoulakis I. & Cole C.A. (2001). "Changing a drug from Rx to OTC status: the consumer behavior and public policy implications of switch drugs", Journal of Product & Brand Management, 10(1), pp.52 - 64

Abstract:Financial literacy refers to the competency of an individual in taking efficient and effective financial decisions. In the present set up, management of finances have become highly challenging due to high degree of volatility seen in the various fundamental economic parameters.One of the critical factors which determine the pace of economic development of a nation is the level of financial literacy attained by its residents. Awareness of the residents will affect the allocation of resources amongst the various industrial sectors. Moreover as stated by Wolcott and Hughes(1999) "financial hardship can increase isolation, emotional stress, depression and lower self-esteem, which, in turn, can generate or exacerbate marital tensions" that lead to divorce. Therefore, an attempt was made in this study to examine the financial behavior of the respondents and also to check their level of financial knowledge. It was found that most of the respondents, who were investors, though expressed that they always feel concerned about their financial resources, though they expressed that they act in an economical manner while meeting their financial needs but it was found that the level of financial knowledge possessed by them was much below the expected level, no respondent could score more than 60% score and more than 90% respondents scored less than 50% marks. Respondents were found to lack financial knowledge about the very basic concepts like the nature of relationship between risk and return, 64% of the respondents could not give correct reply to the kind of relationship between diversification and risk, around 45% respondents didn't understand the nature relationship between rate of inflation and the rate of return. It was found that senior people, people with higher income and people who took formal training in management of funds have better financial knowledge.

[1]. Beal, Diana J. - Delpachitra, Sarath B. (2003), "Financial Literacy among Australian University Students", Economic Papers: A Journal of Applied Economics and Policy, Volume.22, Issue.1, pp.65-78.
[2]. Bowen, Cathy F. (2002), "Financial Knowledge of Teens and Their Parents", FinancialCounseling and Planning, Volume 13,Issue.2, pp.93-102.
[3]. Chen, Haiyang - Volpe, Ronald P. (1998), "An Analysis of Personal Financial Literacy among College Students‟‟, Financial Services Review, Volume.7, Issue.2, pp.107-128.
[4]. Danes, Sharon M. - Hira, Tahira K. (1987), "Money Management Knowledge of College Students", The Journal of Student Financial Aid, Volume.17, Issue.1, pp.4-16.
[5]. Dew, Jefferey - Xiao, Jing J. (2011), ""The Financial Management Behavior Scale: Development and Validation‟‟, Journal of Financial Counseling and Planning, Volume. 22, Issue.1, pp.43-59.

Abstract:The purpose of this paper is to analyse the ethics of marketing used by Publius using various ethical theories. It is concluded that certain important aspects of ethics seems to be ignored by Utilitarianism. According to Justice and the consideration of Rights, until marketers of Publius publicly state their stand, there is no way user of Publius software will be safe, escape censorship or even be brought to court if he or she is caught by the relevant repressive government authorities who really mean business. Creators of Publius should not in any way suggest or act to say that no one can censor or track down the user. They can be traced and traced to the original users. In this way, people will not be disillusioned when they discover that the repressive governments or authorities can still track down on the users, perhaps not instantly, but surely in due time. Perhaps some technology could be made to spot-check on the misuse of such software and the criminals brought to court, like introducing parallel user-checks on the criminals, child abusers, hackers, terrorists or the email virus-punks. It is true that this Publius could fall into the wrong hands, especially the perpetrators of crimes – terrorists, child pornographers, hackers, cyber attackers – and the military-led governments. Henceforth, clear terms and conditions should be properly stated and printed for their understandings and use. At the same time, software, running in tandem with this software programme might greatly help to track down those abusers of this software. Once alerted, they should be immediately channelled to the relevant authorities to have them prosecuted in court.

[1]. About Education, 2015, About 20th Century History, http://history1900s.about.com/ [2]. Adams, R. M. 1976. "Motive Utilitarianism". The Journal of Philosophy 73 (14). JSTOR 2025783. [3]. Anscombe, G. E. M. 1958. "Modern Moral Philosophy". Philosophy 33 (124). JSTOR 3749051. [4]. Bayles, M. D. 1968. Contemporary Utilitarianism. Anchor Books, Doubleday. [5]. Bentham, J. 2009. An Introduction to the Principles of Morals and Legislation (Dover Philosophical Classics). Dover Publications.

Abstract:The philosophy of Islamic banking system essentially focuses on the idea of sharing and utilizing resources at risk by the enterprises on equal sharing basis. The popularity of Islamic banking is growing day by day in Balochistan. Customer satisfaction is supreme for toward a product and service is on hike due to stiff competition in banking industry of Balochistan. A survey based approach utilizes to measure the customer satisfaction and service quality in Islamic banking of Balochistan with special reference to Quetta to collect the necessary data. There were 300 samples for data collection from the number of Islamic commercial banks in Balochistan mainly from Quetta. This research study enlightenspolicy variable incorporate in Islamic banking of the province by measuring number of variables such as: trustworthiness, responsiveness, Credibility, Security, tangibility in order to evaluate service quality for the satisfaction of customer. Islamic banks are bound to procure the best services it can by thrusting it resources. The research study indicates the vital areas of improvement of Islamic banking in Balochistan especially in Quetta, The results of study show that there is immense need of improvement regarding the service quality in order to satisfy the Islamic banks' customers in the province.

[1]. Ahmad Ashfaq., Kashif-ur-Rehman, &SafwanNadeem. (2010), "Comparative study of Islamic and conventional banking in Pakistan based on customer satisfaction" .African Journal of Business Management, Vol.5 (5), pp. 1768-1773. [2]. Awan, Abdul Ghafoor. (2011). "Comparison of Islamic and Conventional Banking in Pakistan". Department of Economics, Islamia University, Bahawalpur-Pakistan.. [3]. Bolton and Drew, 1991; Cronin J, Taylor S, (1992). Measuring quality service: A re-examination and extension. Bank mark, 56(3):55-68. [4]. Bolton, 1998; Rust, Zahoric Keening, 1994, 1995), return on investment. European.J.Mark, 36(7/8):811-28. [5]. Caruana A (2002). Service loyalty: the effect of service quality and mediating role of customer satisfaction, European.J.Mark, 36(7/8):811-28.

Abstract:Most SAARC countries are near the Indian Ocean and are dependent on its resources for Trade, fishing, agriculture and Tourism. Their climate and weather patterns are affected by the Monsoons which originate over the ocean mass and move on to land and back annually. Besides Global Warming and heavy rainfall there are dangers to life and business through floods, Tsunamis and cyclones. Suitable warning systems which are coordinated can give member states advance notification of any impending disasters originating in the ocean areas. Another area of cooperation is in the Renewable energy field. Wind, solar and tidal energy networks can use the ocean as a storehouse of energy. Island countries like Seychelles, Mauritius, can also come into the ambit of such ocean based networks which can be useful for Meteorology, Trade, Fisheries and Energy.

[1]. ADB (2013), Disaster Risk Management in Asia and the Pacific Issues Paper April 2013 A Joint Study of the Asian Development Bank and the Asian Development Bank Institute
[2]. Anbumozhi V. 2012. "Enhancing Adaptive Capacity in the Asia Pacific Region: Opportunities for Innovation and Experimentation". In: Climate Change in Asia and the Pacific: How Countries Can Adapt?, edited by V. Anbumozhi, M. Breiling, S. Pathmarjaha, and V.R. Reddy. Manila and New Delhi: ADBI Sage
[3]. Bashir uddin,M (2014)," Human trafficking in S Asia: Issues of Corruption and Human Security", Int Jnl of Social Work and Human Services Practice, V2,1, pp18-27
[4]. Bhalla S, (2006)," Common Issues and Common Concerns in the SAARC region: Employment generation and Poverty Reduction", Working Paper 33, Institute for Human Development, New Delhi
[5]. Bloom N, Genakos C, Sadun R, Reenen J,(2011) " Management Practices across Firms and Countries", HBS working paper 12- 052,, Dec 19, 2011,

Abstract:Present study was conducted to ascertain the effect of locale on decision making style of middle age Indian consumers in purchase of clothing. Survey study was conducted on 600 respondents belonging to Delhi and Gorakhpur. A questionnaire was designed to collect data by face to face interview. Chi square was calculated to know association between locale and decision making of respondents. The result showed significant difference in decision making style of consumers belonging to metropolitan and non-metropolitan city is found.

[1]. Bernan, B., and Evans, J. R., (2007). Retail management a strategic approach (9th ed.). Dorling Kindersley (India) Pvt. Ltd., New Delhi.
[2]. Erwin, M. D., Kinchen, L. A., and Peters, K. A., (1979). Clothing for moderns (6th ed.) Macmillan publishing Co., Inc.: New York.
[3]. Ryan, M. S., (1966). Clothing: a study in human behavior. New York: Holt.
[4]. Soloman, M. R., and Rabolt, N. I., (2004). Consumer behavior in fashion (2nd ed.). Dorling Kindersley (India) Pvt. Ltd., New Delhi.
[5]. Sproles, B.G. 1983. From Perfectionism to faddism: Measuring Consumers' Decision-Making Styles. Proceedings American Council on Consumer Interests, 31: 79-85.

Abstract:Arnold Brecht (1967:57), one of the leading 20th century-political scientist, maintains that clarity and unambiguity of all terms and concepts used in a study are the first requirements of logical reasoning. It is against this background that the three academics have decided to examine systematically the concept of approaches which has been erroneously used interchangeably and synonymously with the concept of methods in the social sciences........

[1] Arnold Brecht: Political Theory: The foundations of the Twentieth- Century Political Though: New Jersey: Princeton University,
1976.
[2] J.J.N Cloete; Introduction to Public Administration: Pretoria: J.L van Schaik, 1986.
[3] S. B. M. Marume, Public administration: epistemological and methodological aspects of African social research studies : Academic
work No. 17: unpublished PhD thesis proposal: California University for Advanced Studies, State of California, September 30,
1988..

Abstract:Public administration is a science and as such its activities have to be undertaken according to reputable and reliable work studies, methods and procedures; hence the necessity to study in some details the three concepts. These then constitute the subject of this article.

[1] Pffiner, J.M, and Presthus, R.V., Public Administration (5th ed.), The Ronald Press Co., New York, 1967, chapter 13.
[2] Marx, F.M. (ed.), Elements of Public Administration (2nd ed.). Prentice-Hall Inc., Englewood Cliffs, N.J., 1959, Chapters 3 and 17.
[3] Lepawsky, A., Administration: The Art and Science of Organisation and Management, Alfred A. Knopf, New York, 1952, chapters
7 and 18.
[4] Waldo D. (ed), Ideas and Issue in Public Administration: A handbook of Readings, McGraw Hill Book Co. New York, 1953, pp. 2
– 23, 51 – 64.
[5] Golembiewski, R.T., et al. (eds), Public Administration: Readings in Institutions, Processes, Behaviour, Rand McNally, Chicago,
1966, items 8A, 18, 21, 33.

Abstract:Many bank customers could be feeling that 'no other economy had faced more closures of banks and financial institutions as Zimbabwe in Africa, and even in some parts of the developing world'. With such reaction to bank closures of banks in Zimbabwe, former account holders wrote an obituary pouring out their hearts highlighting pertinent issues to the closed banks(dead banks), ailing banks and the strong banks.....

[1] Anthony M. Simpasa, (2013),"Increased Foreign Bank Presence, Privatisation And Competition In The Zambian Banking Sector", Managerial Finance, Vol. 39 Iss 8 pp. 787 – 808
[2] Bukair .A. A and Rahman A. A(2015) Bank Performance And Board Of Directors Attributes By Islamic Banks, International Journal of Islamic and Middle Eastern Finance and Management, Vol.8 Iss: 3, pp. 291-309.
[3] Bukhari K.S, Awan H.M and Ahmed. F, (2013),"An Evaluation Of Corporate Governance Practices Of Islamic Banks Versus Islamic Bank Windows Of Conventional Banks", Management Research Review, Vol. 36 Iss 4 pp. 400 – 416.
[4] Cadet. R.L, (2009) "A Theory Of Linkage Between Monetary Policy And Banking Failure In Developing Countries", Journal of Financial Economic Policy, Vol. 1 Iss: 2, pp.143 – 154
[5] Coffey, A. and Atkinson. P, (1996)Narratives and Stories. Making Sense of Qualitative Data. Sage Publishers

Abstract:This study establishes whether there is easy and reasonable access to a government's requirements for street vending. Literature profiling was employed to achieve aims of this study, and profiled literature emerged into seven themes that explained how street-vendors accessed government requirements for street vending. Access to government requirements for street vending tended to be addressed through themes related to communication factors, criminalization factors, and officialdom factors.....

[1]. M. Monte, Informal Street Vendors and Urban Policies in Rio de Janeiro. Berlim, Technische Universität Berlin, 2010.
[2]. V.E. Tokman, Policies for a heterogeneous informal sector in Latin America. World Development, 17(7), pp.1067-1076, 1989.
[3]. S. S. Nath, Street food vendors in Delhi (Doctoral dissertation, uniwien), 2010.
[4]. M. S. de Vries, The Importance of Being Earnest Contextualizing the ethics involved in the Arab spring, 2013.
[5]. K. Liu, & 刘开智. Street vendors in Chinese cities since economic reform: a case study of Guangzhou (Doctoral dissertation, The University of Hong Kong (Pokfulam, Hong Kong), 2013..

Abstract:The NGO are non-governmental bodies that work for society, and so are well aware about the problems of society and scope of improvement. Many NGO's works for various problems for society, which is a great advantage to reach the needy ones. So in the corporate social responsibility model the NGO s and voluntary groups has a key role for creation of healthy and better environment in developing countries. And my research paper will reflect same in it.....

[1]. DNicolas M. Dahan, Jonathan P. Doh, Jennifer Oetzel and Michael Yaziji, Corporate-NGO Collaboration:
[2]. Co-creating New Business Models for Developing Markets,Long Range Planning 43 (2010) 326-342.
[3]. (http://www.elsevier.com/locate/lrp).
[4]. Brinkmann, J. (2004), Looking at consumer behavior in a moral perspective, Journal of
[5]. Business Ethics, 51 (2), pp.129-141